CIBC Investor Presentation

Canadian Uninsured Residential Mortgages - Q2/21 Originations Beacon Distribution 3% 2% 3% ≤650 12% 10% 11% 28% 28% 24% 47% 43% 43% 17% 14% 15% 651-700 701-750 751-800 >800 2 2 ■ Canada ■GVA ■GTA Loan-to-value (LTV)1 Distribution 20% 17% 16% 11% 8% 9% 5% 6% 4% <30% 40% 36% 33% 31% 37% 27% 30 to <45% 45 to <60% 60 to ≤75% >75% ■ Canada ■GVA² ■GTA² • Originations of $20B in Q2/21 Average LTV1 in Canada: 63% • GVA²: 58% • GTA²: 63% 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 25 of the Quarterly Report to Shareholders for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. CIBC CIBC Investor Presentation | 58

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