Investor Presentation Fourth Quarter 2020

Commercial Real Estate exposure remains diversified Canadian Commercial Real Estate Exposure by Sector¹ CIBC Industrial 9% Retail 24% Office 12% Residential 19% Seniors Housing 7% U.S. Commercial Real Estate Exposure by Sector² Industrial 15% Office 27% $30.2B Other 5% Retail 12% US$15.4B Hotel 3% Multi Family • 69% of drawn loans investment grade³ 24% Multi Family 27% 31% of drawn loans investment grade³ 1 Includes $2.6B in Multi Family that is included in residential mortgages in the Supplementary Financial Information package. 2 Includes US$1.4B in loans that are included in other industries in the Supplementary Financial Information package, but are included because of the nature of the security. Incorporates security pledged; equivalent to S&P/Moody's rating of BBB-/Baa3 or higher. 3 Other 13% Residential 1% Healthcare 2% Fourth Quarter, 2020 30

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