Canadian Personal Banking Digital Transformation

Exposure to vulnerable sectors represents 2% of our lending portfolio Leisure & Entertainment Loans Outstanding Restaurants 32% Air Transport 17% Hotels 12% $3.8B Amusement & Recreation¹ 39% • 29% of drawn loans investment grade² The U.S. comprises 18% of drawn exposure CIBC 1 Includes amusement services, gambling operations, sports clubs, horse racing, movie theaters, ski facilities, golf courses, etc. 2 Incorporates security pledged; equivalent to S&P/Moody's rating of BBB-/Baa3 or higher. Retailer Loans Outstanding Other Retail 10% Retail Clothing 3% • Auto Dealers 45% $4.8B Household Furnishing Stores 6% Auto Parts Retailers 12% Food, Beverage & Drug - Retail 18% 47% of drawn loans investment grade² The U.S. comprises 5% of drawn exposure Department & Convenience Stores 6% 20 20

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