Investor Presentation

Lending portfolio is well diversified Overall Loan Mix (Outstanding) Consumer 63% Real Estate Secured Lending 57% • • Cards 2% • Personal Lending 3% Auto Lending 1% Nearly two-thirds of our portfolio is consumer lending composed mainly of mortgages, with uninsured having an average loan-to-value of 48% Oil and gas is 1% of the loan portfolio; 55% investment grade¹ The balance of our portfolio is in business and government lending with an average risk rating equivalent¹ to a BBB, with minimal exposure to the leisure and entertainment sectors Canadian Uninsured Mortgage Loan-To-Value Ratios Commercial Real Estate 54% 53% 10% 52% $483B Oil & Gas 1% 51% 50% Retailers 1% 49% 48% Leisure & Entertainment 1% 47% 47% 46% 45% Other 44% Business & Government 24% Q1/19 Q1/20 Q1/21 Q1/22 Business & Government 37% Canada GVA GTA CIBC 1 Incorporates security pledged; equivalent to S&P/Moody's rating of BBB/Baa2 222 22

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