Investor Presentation Fourth Quarter 2020

Exposure to Oil & Gas represents 2.2% of our lending portfolio Oil & Gas Mix (Outstanding) $9.0B drawn exposure in Q4/20 • 44% investment grade Midstream 24% Petroleum Distribution 10% • The U.S. comprises 30% of drawn loan exposure • 76% of undrawn exposure is investment grade . O&G Services 5% $9.0B $40.0B of retail exposure¹ to oil provinces² ($31.8B mortgages) • Alberta accounts for $31.8B or 80% of the retail exposure1 • Downstream 6% 87% of retail loans are secured • Integrated 1% Exposure represents 15% of total retail loans Exploration & Production 54% Retail Exposure in Oil Provinces 12.3% 11.1% 10.5% 10.0% 9.5% • Average LTV³ of 66% in the uninsured mortgage portfolio Retail Drawn Exposure ($B) in Oil Provinces 5 Unsecured HELOC Uninsured 15 35 Mortgages 35 Secured 39.6 40.7 40.4 39.9 40.0 17 Insured Mortgages Q4/16 CIBC Q4/17 Q4/18 Q4/19 Q4/20 % of Total Loans Retail Exposure ($B) 1 Comprises mortgages, HELOC, unsecured personal lines and loans, and credit cards 2 Alberta, Saskatchewan and Newfoundland and Labrador 3 LTV ratios for residential mortgages are calculated based on weighted average Fourth Quarter, 2020 31

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