Canadian Personal Banking Digital Transformation

Exposure to Oil & Gas represents 2.3% of our lending portfolio Oil & Gas Mix (Outstanding) $9.6B drawn exposure in Q3/20 Midstream 22% Petroleum Distribution 11% $9.6B Exploration & Production 55% Retail Exposure in Oil Provinces 12.3% 11.1% O&G Services 5% . 43% investment grade • The U.S. comprises 35% of drawn loan exposure • 80% of undrawn exposure is investment grade • Downstream 4% • Integrated 3% 10.5% 10.0% 9.5% $39.8B of retail exposure¹ to oil provinces² ($31.6B mortgages) Alberta accounts for $31.5B or 79% of the retail exposure1 87% of retail loans are secured • Exposure represents 15% of total retail loans • Average LTV³ of 67% in the uninsured mortgage portfolio Retail Drawn Exposure ($B) in Oil Provinces 5 LO Unsecured HELOC Uninsured 16 Mortgages 35 Secured 39.6 40.7 40.4 39.9 39.8 16 Insured Mortgages Q4/16 CIBC Q4/17 Q4/18 Q4/19 Q3/20 % of Total Loans Retail Exposure ($B) 1 Comprises mortgages, HELOC, unsecured personal lines and loans, and credit cards. 2 Alberta, Saskatchewan and Newfoundland and Labrador. 3 LTV ratios for residential mortgages are calculated based on weighted average. 22 22

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