Q2 2019 Fixed Income Investor Presentation

Credit Review Provision For Credit Losses (PCL) 1.00% 0.75% 0.50% 0.25% PCL -Loan loss ratio 0.00% 0 Q4/12 Q2/13 Q4/13 Q2/14 Q4/14 Q2/15 04/15 02/16 Q4/16 02/17 Q4/17 Q2/18 Q4/18 Q2/19 Fiscal Quarter 400 350 300 250 200 150 100 50 Provision for Impaired up QoQ Overall credit quality remains positive The outlook, combined with stage migration, resulted in a lower PCL this quarter Reported Q2/18 Q1/19 Q2/19 (SMM) 90+ Days Delinquency Rates Canadian Personal & Small Business Banking 199 192 202 90+ Days Delinquency Rates Q2/18 Q1/19 Q2/19 Canadian Commercial Banking & Wealth 1 48 25 Residential Mortgages 0.25% 0.27% 0.27% U.S. Commercial Banking & Wealth 13 5 12 Capital Markets Corporate and Other Provision for Impaired 3 42 6 Uninsured Insured 0.20% 0.21% 0.21% 0.32% 0.37% 0.37% 8 5 Credit Cards 0.90% 0.82% 0.79% 217 295 250 Personal Lending 0.32% 0.34% 0.34% Provision for Performing Provision for Credit Losses Provision for Credit Losses - Adjusted' (5) 43 5 Canadian Personal Banking 0.29% 0.31% 0.31% 212 338 255 212 338 255 (1) Adjusted results are Non-GAAP financial measures that do not have any standardized meaning prescribed by GAAP and are therefore unlikely to be comparable to similar measures CIBC presented by other Canadian Banks. (2) Source: CIBC Q2, 2019 Investor Presentation CIBC Q2 2019 Fixed Income Investor Presentation 18

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