CIBC Q1 2019 Fixed Income Investor Presentation

CIBC Canadian Uninsured Residential Mortgages Beacon Distribution 39% 42%40% 27%24%27% 14% 12% 13% 13%16%13% 7% 6% 7% ≤650 651-700 701-750 751-800 >800 2 Canada GVA ■GTA ■GTA² Loan-to-value (LTV)1 Distribution 39% 23% 27% 29% 30% 33% 27% 16% 9% 10% 21% 12% 12% 9% 3% <30% 30 to <45% 45 to <60% 60 to ≤75% >75% Canada 2 GVA ■GTA 2 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: 54% - GVA²: 44% - GTA²: 51% 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 23 of the Q1/19 Report to Shareholders for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. CIBC Q1 2019 Fixed Income Investor Presentation CIBC 43

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