Q2 2019 Financial Results

Credit Quality - Canadian Personal Banking Delinquencies 90+ Days Delinquency Rates Q2/18 Q1/19 Q2/19 Residential Mortgages 0.25% 0.27% 0.27% Uninsured Insured Credit Cards 0.20% 0.21% 0.21% 0.32% 0.37% 0.37% 0.90% 0.82% 0.79% Personal Lending 0.32% 0.34% 0.34% Canadian Personal Banking 0.29% 0.31% 0.31% Balances ($B; spot) 252 252 251 90+ Days Delinquency rates flat QoQ Stable across all Canadian consumer portfolios Q2/18 Q1/19 Q2/19 CIBC 16

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