Q2 2019 Financial Results

Canadian Uninsured Residential Mortgages Beacon Distribution 42%41% 39% 27% 24% ,27% 13% 12% 13% 14% 16% 13% 7% 6% 6% ≤650 651-700 701-750 Canada GVA² ■GTA² 751-800 2 >800 Loan-to-value (LTV)1 Distribution 38% 33% 29%30% 27% 27% 22% 21% 15% 13% 9% 10% 13% 9% 4% 23 Better current Beacon and LTV1 distributions in GVA² and GTA² than the Canadian average 1% of this portfolio has a Beacon score of 650 or lower and an LTV1 over 75% Average LTV1 in Canada: 54% - GVA²: 45% - GTA²: 51% <30% 30 to <45% 45 to <60% 60 to ≤75% Canada ■GVA² ■GTA² >75% 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 25 of the Q2/19 Report to Shareholders for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. CIBC

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