Q1 Financial Review

Canadian Uninsured Residential Mortgages - Q1/20 Originations Beacon Distribution 41% 38% 36% 32% 31% 25% 16%15%15% 15% 11%. 11% 5% 4% 5% ≤650 651-700 701-750 751-800 >800 ■Canada ■GVA² ■GTA² Loan-to-value (LTV)1 Distribution 41% 30% 34% 31% 33% 24% 22%20% 16% 9% 13% 11% 7% 5% 4% CIBC <30% 30 to <45% 60 to ≤75% >75% 45 to <60% ■Canada ■GVA² ■GTA² • Originations of $9B in Q1/20 Average LTV1 in Canada: 64% . GVA²: 57% • GTA²: 61% 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 24 of the Q1 2020 Quarterly Report for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. 24 24

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