Canadian Personal Banking Digital Transformation

Canadian Uninsured Residential Mortgages - Q3/20 Originations Beacon Distribution 15% 15% 13% 4% 4% 4% ≤650 40% 38% 38% 30% 29% 29% 16% 13% 12% 651-700 701-750 751-800 >800 2 ■ Canada ■GVA ■GTA² 2 Loan-to-value (LTV)1 Distribution 31% 28% 29% 22% 18% 15% 8% 8% 11% 10% 6% 5% CIBC <30% 43% 38% 28% 30 to <45% 45 to <60% 60 to ≤75% >75% ■ Canada ■GVA² ■GTA² 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 32 of the Q3/20 Quarterly Report for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. • Originations of $11B in Q3/20 Average LTV1 in Canada: 63% . GVA²: 58% • GTA²: 62% 31

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