CIBC Investor Presentation

Commercial Real Estate Exposure Remains Diversified Canadian Commercial Real Estate Exposure by Sector¹ Industrial Office 12% Residential 19% U.S. Commercial Real Estate Exposure by Sector² Industrial 15% Office 27% 9% Seniors Housing 7% $30.2B US$15.4B Other 5% Retail 12% Hotel 3% Retail 24% Multi Family 24% 69% of drawn loans investment grade³ Multi Family 27% • 31% of drawn loans investment grade³ 1 Includes $2.6B in Multi Family that is included in residential mortgages in the Supplementary Financial Information package. 2 Includes US$1.4B in loans that are included in other industries in the Supplementary Financial Information package, but are included because of the nature of the security. 3 Incorporates security pledged; equivalent to S&P/Moody's rating of BBB-/Baa3 or higher. Other 13% Residential 1% Healthcare 2% CIBC CIBC Investor Presentation | 59

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