Q1 Financial Review

Canadian Uninsured Residential Mortgages Beacon Distribution 40% 42%41% 26% 23%26% 7% 6% 6% 13%12%13% 14% 17% 14% ≤650 651-700 701-750 751-800 >800 ■Canada ■GVA² ■GTA² Loan-to-value (LTV)1 Distribution 33% 29% 30%30% 29% 28% 23% 23% 16% 14% 12% 9% CIBC 11% 7% 6% <30% 30 to <45% 45 to <60% 60 to ≤75% >75% ■Canada ■GVA² ■GTA² 2 . • Better current Beacon and LTV1 distributions in GVA² and GTA² than the Canadian average Less than 1% of this portfolio has a Beacon score of 650 or lower and an LTV1 over 75% Average LTV1 in Canada: 53% GVA²: 47% GTA²: 50% 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 24 of the Q1 2020 Quarterly Report for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. 25

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