Investor Presentation

Canadian Uninsured Residential Mortgages - Q1/22 Originations FICO score Distribution 3% 2% 3% ≤650 13% 10% 11% 46% 44% 42% 29% 29% 27% 15% 13% 13% 651-700 ■ Canada 701-750 ■ GVA² 751-800 >800 ■GTA² Loan-to-value (LTV)1 Distribution 15% 17% 16% 10% 8% 8% 4% 5% 4% <30% CIBC 41% 40% 35% 33% 37% 27% 30 to <45% ■ Canada 45 to <60% ■ GVA² 60 to ≤75% >75% ■GTA² Originations of $17B in Q1/22 Average LTV1 in Canada: 66% • GVA²: 63% • GTA²: 65% 1LTV 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. 54

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