Q2 2019 Financial Results

Credit Quality - Canadian Consumer Net Write-offs Reported Q2/18 Q1/19 Q2/19 Credit cards up due to seasonality Canadian Residential Mortgages 0.01% 0.01% 0.01% Canadian Credit Cards Canadian Personal Lending 3.41% 3.02% 3.48% 0.75% 0.76% 0.82% Total 0.29% 0.27% 0.30% Net Write-off Ratio 0.29% 0.30% 0.27% 180 177 190 Q2/18 Q1/19 Net Write-offs Q2/19 -Net Write-off Ratio CIBC 15

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