Canadian Personal Banking Digital Transformation

Commercial Real Estate exposure remains diversified Canadian Commercial Real Estate Exposure by Sector¹ CIBC • Industrial 10% Retail 24% Office 13% Residential 18% Seniors Housing 7% U.S. Commercial Real Estate Exposure by Sector² Industrial 14% Office 27% $28.9B Other 5% Retail 12% US$15.5B Hotel 3% Multi Family 68% of drawn loans investment grade³ 23% Multi Family 28% • 35% of drawn loans investment grade³ 1 Includes $2.7B in Multi Family that is included in residential mortgages in the Supplementary Financial Information package. 2 Includes US$702 million 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% 21

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