Canadian Personal Banking Digital Transformation

Credit Quality - gross impaired loans trended higher Balances were up YoY and QoQ Higher impairments in both consumer loans and business and government loans Impacts related to COVID-19 and continued pressure on oil prices A few new impairments in the business and government portfolio Reported Q3/19 Q2/20 Q3/20 Canadian Residential Mortgages 0.27% 0.32% 0.36% • Canadian Personal Lending 0.34% 0.44% • 0.38% Business & Government Loans¹ 0.58% 0.67% 0.91% CIBC FirstCaribbean (FCIB) 4.12% 3.87% 3.72% Total 0.45% 0.53% 0.62% Gross Impaired Loan Ratio CIBC 0.45% 1,797 New Formations ($MM) 0.62% 0.53% 961 874 724 723 669 316 468 208 217 144 2,583 2,232 516 506 525 558 493 Q3/19 Q2/20 Q3/20 Q3/19 Gross Impaired Loans ($MM) -Gross Impaired Loan Ratio 1 Excludes CIBC FirstCaribbean business & government loans. Q4/19 Q1/20 Q2/20 Q3/20 ■ Consumer ■ Business & Government 23 23

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