CIBC Investor Presentation

Canadian Uninsured Residential Mortgages Beacon Distribution 11% 11% 10% 5% 4% 5% ≤650 25% 25% 23% 42% 43% 43% Better current Beacon and LTV1 distributions in GVA2 and GTA2 than the Canadian average Less than 1% of this portfolio has a Beacon score of 650 or lower and an LTV1 over 75% Average LTV1 in Canada: 51% 19% • GVA²: 47% 17% 17% • GTA²: 49% 651-700 701-750 751-800 >800 ■ Canada GVA² ■GTA² Loan-to-value (LTV)1 Distribution 33% 29% 29% 27% 25% 25% 25% 22% 19% 17% 15% 13% <30% 30 to <45% 45 to <60% ■ Canada ■GVA 2 ■GTA 8% 6% 7% 60 to ≤75% 2 >75% 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 | 59

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