Investor Presentaiton

Exposure to Oil & Gas Represents 2.2% of our Lending Portfolio Oil & Gas Mix (Outstanding) Midstream 24% Petroleum Distribution 10% O&G Services 5% $9.0B Exploration & Production 54% Downstream 6% Integrated 1% • $9.0B drawn exposure in Q4/20 44% investment grade The U.S. comprises 30% of drawn loan exposure • 76% of undrawn exposure is investment grade • • $40.0B of retail exposure¹ to oil provinces² ($31.8B mortgages) Alberta accounts for $31.8B or 80% of the retail exposure¹ 87% of retail loans are secured Exposure represents 15% of total retail loans Average LTV³ of 66% in the uninsured mortgage portfolio Retail Exposure in Oil Provinces 12.3% 11.1% 10.5% 10.0% 9.5% 39.6 40.7 40.4 39.9 40.0 Q4/16 Q4/17 Q4/18 Q4/19 Q4/20 % of Total Loans Retail Exposure ($B) Retail Drawn Exposure ($B) in Oil Provinces 5 Unsecured HELOC 15 Uninsured Mortgages 35 Secured 17 Insured Mortgages 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. CIBC CIBC Fixed Income Investor Presentation | 43

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