Q1 Financial Review

Credit Quality - Canadian Consumer Net Write-offs Reported Canadian Residential Mortgages Canadian Credit Cards Personal Lending Total Q1/19 Q4/19 Q1/20 0.01% 0.01% 0.01% 3.02% 3.20% 3.16% 0.76% 0.86% 0.77% 0.27% 0.30% 0.28% Net Write-offs stable YoY & down QoQ Write-offs remained relatively stable in our consumer portfolio Net Write-off Ratio CIBC 0.27% 0.30% 0.28% 196 177 180 Q1/19 Net Write-offs Q4/19 Q1/20 -Net Write-off Ratio 17

View entire presentation