Capital Markets & Funding Strategies

CIBC's Mortgage Portfolio CIBC CIBC Canadian Residential Mortgages: CAD 254.0 BN CAD 140 BN 83% CAD 51 BN Insured Uninsured Condo Exposure: CAD 43.7 BN Condo Mortgages Condo Developers CAD 37.1 BN CAD 6.6 BN Uninsured 78% Undrawn 80% CAD 27 BN 84% CAD 20 BN CAD 16 BN 53% 17% 16% 47% 73% 27% 59% Insured 22% Drawn 41% 20% Ontario BC & Territories Alberta Quebec Other 22% of CIBC's Canadian residential mortgage portfolio is insured, with 63% of insurance being provided by CMHC . The average loan to value¹ of the uninsured portfolio is 46% • The condo developer exposure is diversified across 109 projects . Condos account for approximately 15% of the total mortgage portfolio 1 LTV ratios for residential mortgages are calculated based on weighted average. The house price estimates for April 30, 2022 and October 31, 2021 are based on the Forward Sortation Area level indices from the Teranet - National Bank National Composite House Price Index (Teranet) as of March 31, 2022 and September 30, 2021, respectively. Teranet is an independent estimate of the rate of change in Canadian home prices. 40

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