Canadian Personal Banking Digital Transformation

Lending portfolio mix remains sound Overall Loan Mix (Outstanding) Consumer 65% CIBC Real Estate Secured Lending 57% Cards 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 52% Oil and gas is 2.3% of the loan portfolio; 43% investment grade 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 Personal Lending 4% 54% 53% $414B Oil & Gas 2% 52% 52% Leisure & 50% Entertainment 1% 51% 47% Commercial 46% Real Estate 11% 46% 46% 46% Other Business & Government 42% 21% 1 Incorporates security pledged; equivalent to S&P/Moody's rating of BBB+/Baa1. Business & Government 35% Q3/17 Q3/18 Q3/19 Q3/20 -Canada GVA -GTA 18

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