First Quarter 2022 Financial Results

Lending portfolio is well diversified Overall Loan Mix (Outstanding) Consumer 63% Real Estate Secured Lending 57% CIBC◇ Cards 2% Personal Lending 3% Auto Lending 1% • Nearly two-thirds of our portfolio is consumer lending composed mainly of mortgages, with uninsured having an average loan-to-value of 48% Oil and gas is 1% of the loan portfolio; 55% investment grade1 The balance of our portfolio is in business and government lending with an average risk rating equivalent¹ to a BBB, with minimal exposure to the leisure and entertainment sectors Canadian Uninsured Mortgage Loan-To-Value Ratios Commercial Real Estate 10% 54% 53% $483B Oil & Gas 1% 52% 51% Retailers 1% 50% 49% 48% Leisure & Entertainment 1% 47% 47% 46% Other Business & 45% 44% Government 24% Q1/19 Q1/20 Q1/21 Q1/22 Business & Government 37% Canada -GVA -GTA 1 Incorporates security pledged; equivalent to S&P/Moody's rating of BBB/Baa2. First Quarter, 2022 23

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