Q1 2020 Fixed Income Investor Presentation

CIBC Canadian Uninsured Residential Mortgages - Q1/20 Originations Beacon Distribution 16%15%15% 5% 4% 5% ≤650 41% 38% 36% 32% 31% 25% 15% 11% 11% 651-700 701-750 751-800 >800 ■Canada GVA ■GTA Loan-to-value (LTV)1 Distribution 41% 34% 31% 30% 33% 24% 22%20% 16% 13% 9% °11% 7% 4% 5% <30% 30 to <45% 45 to <60% ■Canada GVA ■GTA 60 to ≤75% >75% " Originations of $9B in Q1/20 Average LTV1 in Canada: 64% GVA²: 57% • GTA²: 61% 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 58 of the 2019 Annual Report for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. CIBC Q1 2020 Fixed Income Investor Presentation CIBC 43

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