Q1 Financial Review

Credit Quality - Gross Impaired Loans Reported Canadian Residential Mortgages Canadian Personal Lending Business & Government Loans¹ CIBC FirstCaribbean (FCIB) Total Q1/19 Q4/19 Q1/20 0.27% 0.28% 0.30% 0.34% 0.37% 0.37% 0.61% 0.60% 0.59% 4.54% 3.96% 3.80% 0.46% 0.47% 0.47% Gross Impaired Loans stable YoY and QoQ . Slightly higher impairments in Canadian residential mortgages The gross impaired loan ratio remained stable Gross Impaired Loan Ratio CIBC 0.46% 0.47% 0.47% 1,794 1,866 1,902 Q1/19 Q4/19 Gross Impaired Loans ($MM) Q1/20 Gross Impaired Loan Ratio 1 Excludes CIBC FirstCaribbean business & government loans. 16

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