Q3 2019 Fixed Income Investor Presentation

Credit Review Provision For Credit Losses (PCL) 1.00% 0.75% 0.50% 0.25% PCL Loan loss ratio 0.00% 0 Q1/13 Q3/13 Q1/14 Q3/14 Q1/15 Q3/15 Q1/16 Q3/16 Q1/17 Q3/17 01/18 Q3/18 Q1/19 Q3/19 Fiscal Quarter 400 350 300 250 200 150 100 50 Provision for Impaired up QoQ Higher provisions in U.S. Commercial Banking and Capital Markets Lower provisions in Canadian Commercial Banking and Canadian Personal and Small Business Banking Reported & Adjusted¹ ($MM) Cdn. Personal & Small Business Q3/18 Q2/19 Q3/19 199 202 197 90+ Days Cdn. Commercial Banking & Wealth 2 25 15 Delinquency Rates 90+ Days Delinquency Rates Q3/18 Q2/19 Q3/19 U.S. Commercial Banking & Wealth 28 12 38 Residential Mortgages Capital Markets 1 6 18 Uninsured Corporate & Other 44 5 4 Insured Provision for Impaired 274 250 272 Credit Cards 0.24% 0.27% 0.27% 0.19% 0.21% 0.22% 0.33% 0.37% 0.38% 0.78% 0.79% 0.70% Provision for Performing (33) 5 19 Personal Lending 0.31% 0.34% 0.34% Total Provision for Credit Losses 241 255 291 Canadian Personal Banking 0.28% 0.31% 0.31% (1) Adjusted results are Non-GAAP financial measures that do not have any standardized meaning prescribed by GAAP and are therefore unlikely to be comparable to similar measures presented by other Canadian Banks. CIBC (2) Source: CIBC Q3, 2019 Investor Presentation CIBC Q3 2019 Fixed Income Investor Presentation 19

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