Investor Presentation Fourth Quarter 2020

Canadian Uninsured Residential Mortgages – Beacon Distribution 12% 11% 12% 4% 3% 3% ≤650 46% 41% 42% 28% 29% 23% - Q4/20 Originations 17% 15% 14% 651-700 701-750 751-800 >800 ■ Canada ■ GVA² 2 ■GTA² 2 Loan-to-value (LTV)1 Distribution 6% 7% CIBC <30% 33% 28% 29% 19% 15% 16% 12% 9% 7% 5% 44% 41% 29% 30 to <45% 45 to <60% 60 to ≤75% >75% ■ Canada ■ GVA² 2 2 ■GTA 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 63 of the Annual Report for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. • Originations of $14B in Q4/20 Average LTV1 in Canada: 63% . GVA²: 58% • GTA²: 62% Fourth Quarter, 2020 33

View entire presentation