Investor Presentaiton

CIBC's Mortgage Portfolio CIBC Canadian Residential Mortgages: CAD 264.8 BN CAD 148 BN 86% CAD 52 BN Insured Uninsured CAD 27 BN 87% CAD 22 BN CAD 16 BN 57% 77% 13% 13% 42% 22% 63% 37% Ontario BC & Territories Alberta Quebec Other CIBC◇ • Condo Exposure: CAD 48.1 BN Condo Mortgages Condo Developers CAD 39.9 BN CAD 8.2 BN Uninsured 81% Undrawn 73% Drawn Insured 27% 19% 18% of CIBC's Canadian residential mortgage portfolio is insured, with 59% of insurance being provided by CMHC • The average loan to value of the uninsured portfolio is 51% The condo developer exposure is diversified across 120 projects Condos account for approximately 15% of the total mortgage portfolio For footnoted information refer to slide 38. 29

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