Financial Performance and ESG Strategy Update

CIBC's Mortgage Portfolio CIBC Canadian Residential Mortgages: CAD 261.7 BN CAD 145 BN Condo Exposure: CAD 46.3 BN Condo Mortgages Condo Developers 85% CAD 52 BN Insured Uninsured CAD 27 BN 86% CAD 21 BN CAD 16 BN 55% 15% 14% 45% 75% 25% 61% 39% Ontario BC & Territories Alberta Quebec Other CIBC◇ • CAD 38.7 BN CAD 7.6 BN Uninsured 80% Undrawn 78% Insured Drawn 20% 22% 20% of CIBC's Canadian residential mortgage portfolio is insured, with 61% of insurance being provided by CMHC • The average loan to value1 of the uninsured portfolio is 48% The condo developer exposure is diversified across 112 projects Condos account for approximately 15% of the total mortgage portfolio For footnoted information refer to slide 39. 30

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