Strategic Priorities & Financial Overview

CIBC's Mortgage Portfolio CIBC Canadian Residential Mortgages: CAD 265.9 BN CAD 149 BN 87% CAD 52 BN Insured Uninsured CAD 26 BN 88% CAD 22 BN CAD 16 BN 59% 13% 12% 41% Ontario BC & Territories Alberta 78% 22% Quebec 64% 36% Other CIBC Condo Exposure: CAD 48.7 BN Condo Mortgages Condo Developers CAD 40.2 BN CAD 8.5 BN Uninsured 82% Undrawn 74% Drawn Insured 18% 26% • • 17% of CIBC's Canadian residential mortgage portfolio is insured, with 58% of insurance being provided by CMHC The average loan to value1 of the uninsured portfolio is 50% The condo developer exposure is diversified across 121 projects Condos account for approximately 16% of the total mortgage portfolio For footnoted information refer to slide 37. 28

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