Canadian House Prices and Banking Performance

Lending portfolio has a strong risk profile Nearly two-thirds of our portfolio is consumer lending, composed mainly of mortgages with uninsured having an average loan-to-value of 52% The total variable rate mortgage portfolio accounts for 37% of the Canadian mortgage portfolio The balance of our portfolio is in business and government lending with an average risk rating equivalent¹ to a BBB Overall Loan Mix (Outstanding Loans and Acceptances) Consumer 62% Canadian Uninsured Mortgage Loan-To-Value2 Ratios 53% 52% 52% 50% 49% 48% 51% 47% 47% 46% 46% 45% Q1/20 Q1/21 Q1/22 3 3 Canada GVA GTA CIBC For footnoted information refer to slide 37. Oil Q1/23 & Gas 1% Real Estate Secured Lending 55% Leisure & Entertainment 1% $531B Cards 3% Auto Lending 1% Personal Lending 3% Retailers 1% Commercial Real Estate 10% Other Business & Government 25% Business & Government 38% 14

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