Investor Presentation

Canadian Uninsured Residential Mortgages FICO score Distribution 11% 10% 11% 4% 4% 4% ≤650 27% 26% 23% 43% 45% 44% 18% 15% 15% 651-700 701-750 751-800 >800 ■ Canada ■ GVA² ■GTA² Loan-to-value (LTV)1 Distribution 30% 28% 26% 29% 27% 28% 23% 21% 21% 19% 19% 17% <30% 30 to <45% 45 to <60% 60 to ≤75% ■ Canada ■GVA² ■GTA² 2 CIBC◇ 5% 3% 4% >75% Better current FICO score and LTV1 distributions in GVA² and GTA² than the Canadian average Less than 1% of this portfolio has a FICO score of 650 or lower and an LTV1 over 75% Average LTV1 in Canada: 48% • GVA²: 45% GTA²: 47% 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 27 of the Q1 2022 Quarterly Report for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. 55

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