Q1 Financial Review

Credit Quality - Canadian Consumer Delinquencies 90+ Days Delinquency Rates Q1/19 Q4/19 Q1/20 Canadian Residential Mortgages 0.27% 0.28% 0.30% Uninsured Insured 0.21% 0.22% 0.24% 0.37% 0.41% 0.43% Canadian Credit Cards 0.82% 0.76% 0.82% Personal Lending 0.34% 0.37% 0.37% Total 0.31% 0.33% 0.34% Balances ($B; spot) CIBC 252 253 253 Q1/19 Q4/19 Q1/20 90+ Days Delinquency rates up YoY & QoQ • Delinquency rates have increased primarily as a result of seasoning of the mortgage portfolio 18

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