Investor Presentaiton

1 Lending portfolio mix remains sound Overall Loan Mix (Outstanding) Consumer 66% Real Estate Secured Lending 58% • . Nearly two-thirds of our portfolio is consumer lending composed mainly of mortgages, with uninsured having an average loan-to-value of 52% Oil and gas is 2.2% of the loan portfolio; 44% investment grade 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 Cards 3% Auto Lending 1% Canadian Uninsured Mortgage Loan-To-Value Ratios Personal Lending 4% Retail 1% $416B 53% 54% 53% Oil & Gas 2% 52% Leisure & 51% Entertainment 1% 49% 50% 48% Other Business & Government 20% Incorporates security pledged; equivalent to S&P/Moody's rating of BBB+/Baa2. Commercial Real Estate 10% 43% Business & Government 34% 43% 47% 46% Q4/17 Q4/18 Q4/19 Q4/20 Canada GVA GTA CIBC CIBC Fixed Income Investor Presentation | 14

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