CIBC Investor Presentation

Lending portfolio mix remains sound Overall Loan Mix (Outstanding) Consumer 66% Real Estate Secured Lending 59% • • Nearly two-thirds of our portfolio is consumer lending composed mainly of mortgages, with uninsured having an average loan-to-value of 51% Oil and gas is 1.8% of the loan portfolio; 47% investment grade The balance of our portfolio is in business and government lending with an average risk rating equivalent¹ to a BBB, with minimal exposure to the leisure and entertainment sectors Cards 2% Auto Lending 1% Canadian Uninsured Mortgage Loan-To-Value Ratios Personal 54% 54% Lending 4% 53% $432B Retailers 1% 51% Oil & Gas 2% 52% 49% Leisure & Entertainment 1% 51% 49% Commercial Real Estate 10% 47% 46% 45% 43% Other Business & Government 20% Business & Government Q2/18 Q2/19 Q2/20 Q2/21 34% Canada GVA GTA 1 Incorporates security pledged; equivalent to S&P/Moody's rating of BBB/Baa2. CIBC CIBC Investor Presentation | 23

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