CIBC Investor Presentation

Commercial Real Estate Exposure Remains Diversified Canadian Commercial Real Estate Exposure by Sector¹ Office 12% Residential 19% U.S. Commercial Real Estate Exposure by Sector² Industrial 15% Office 26% Industrial Residential 1% 10% Seniors Housing 6% $33.4B US$15.4B Other 5% Retail 12% Healthcare 3% Hotel 2% Retail 24% Multi Family 24% • 64% of drawn loans investment grade³ Other 13% Multi Family 28% • 30% of drawn loans investment grade³ 1 Includes $3.2B in Multi Family that is included in residential mortgages in the Supplementary Financial Information package. 2 Includes US$1.2B in loans that are included in other industries in the Supplementary Financial Information package, but are included because of the nature of the security. 3 Incorporates security pledged; equivalent to S&P/Moody's rating of BBB-/Baa3 or higher. CIBC CIBC Investor Presentation | 55

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