Investor Presentaiton

Canadian Uninsured Residential Mortgages Beacon Distribution 12% 11% 11% 6% 5% 5% ≤650 25% 26% 22% 41% 43% 42% 19% 16% 16% 651-700 701-750 751-800 >800 2 2 ■ Canada ■ GVA ■GTA Loan-to-value (LTV)1 Distribution 17% 14% 12% 25% 35% 30% 27% 27% 28% 27% 23% 15% 9% 6% 5% <30% 30 to <45% 45 to <60% 60 to ≤75% >75% ■ Canada ■ GVA² ■GTA² Better current Beacon and LTV1 distributions in GVA² and GTA² than the Canadian average Less than 1% of this portfolio has a Beacon score of 650 or lower and an LTV1 over 75% Average LTV1 in Canada: 52% GVA²: 46% GTA²: 48% 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 63 of the 2020 Annual Report for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. CIBC CIBC Fixed Income Investor Presentation | 51

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