Q2 2019 Fixed Income Investor Presentation

CIBC Canadian Uninsured Residential Mortgages - Q2/19 Originations Beacon Distribution 17% 14% 16% 38% 34%. 33% 34% 36% 31% 6% 7% 5% 9% 10% 10% ≤650 651-700 701-750 751-800 >800 Canada GVA2 ■GTA² Loan-to-value (LTV)1 Distribution 43% 35% 36% 30% '32% 25% 24% 18% 16% 7% 7% 9% 9% 4% 5% <30% 30 to <45% 45 to <60% ■Canada ■GVA² ■GTA² 60 to ≤75% >75% 1 LTV ratios for residential mortgages are calculated based on weighted average. 2 GVA and GTA definitions based on regional mappings from Teranet. CIBC Q2 2019 Fixed Income Investor Presentation Originations of $6B in Q2/19 Average LTV1 in Canada: 65% GVA²: 58% - GTA²: 62% CIBC 42

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