Q2 2019 Financial Results

Credit Quality - Gross Impaired Loans Reported Q2/18 Q1/19 Q2/19 Gross Impaired Loans up QoQ Canadian Residential Mortgages 0.25% 0.27% 0.27% Canadian Personal Lending CIBC Business & Government Loans¹ CIBC Bank USA CIBC FirstCaribbean Total excluding CIBC FirstCaribbean Total 0.32% 0.34% 0.34% 0.39% 0.56% 0.74% 0.65% 0.82% 0.92% 5.34% 4.54% 4.25% 0.30% 0.38% 0.44% Primarily due to funding of a previously impaired commitment in the utility sector 0.41% 0.46% 0.52% Gross Impaired Loan Ratio 0.41% 0.52% 0.46% 1,523 1,794 2,043 Q2/18 ■Gross Impaired Loans ($MM) Q1/19 Q2/19 -Gross Impaired Loan Ratio CIBC 1 Excludes CIBC Bank USA and CIBC FirstCaribbean business & government loans. 14

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