Q3 2019 Fixed Income Investor Presentation

CIBC Canadian Uninsured Residential Mortgages - Q3/19 Originations Beacon Distribution 5% 5% 5% 37% 37%39% 31% 30% 31% 16% °14% 15% 14% 11% 10% ≤650 651-700 701-750 751-800 >800 ■Canada ■GVA² ■GTA² Loan-to-value (LTV)1 Distribution 42% .32% 30% 29% 35% 24% 22%21% 17% 15% 10% 4% 7% 4% 8% <30% 30 to <45% 45 to <60% ■Canada ■GVA² ■GTA² 60 to ≤75% >75% 1 LTV ratios for residential mortgages are calculated based on weighted average. 2 GVA and GTA definitions based on regional mappings from Teranet. CIBC Q3 2019 Fixed Income Investor Presentation Originations of $9B in Q3/19 Average LTV1 in Canada: 64% GVA²: 57% GTA²: 62% CIBC 43

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