Fourth Quarter, 2023 Financial Overview

Credit Performance - Gross Impaired Loans Gross impaired loan ratios up YoY and QoQ . Gross impaired loan ratio was up, mainly attributable to the headwinds in the U.S. commercial real estate sector Gross Impaired Loan Ratios Q1/20 Q4/22 Q3/23 Q4/23 • New formations remained relatively stable, with an increase in retail offset by a reduction in business and government loans Canadian Residential Mortgages Canadian Personal Lending Business & Government Loans¹ CIBC FirstCaribbean 0.30% 0.13% 0.17% 0.21% 0.37% 0.37% 0.45% 0.48% 0.59% 0.41% 0.79% 0.92% 3.80% 4.10% 3.84% 3.67% Total 0.47% 0.33% 0.48% 0.55% Gross Impaired Loan Ratio² 0.33% 1,743 New Formations ($MM)² 0.55% 0.48% 1,009 1,074 1,091 721 509 573 528 537 485 232 2,990 2,616 151 91 582 489 481 501 386 394 Q4/22 Q3/23 Q4/23 Q3/22 Q4/22 Q1/23 Gross Impaired Loans ($MM) Gross Impaired Loan Ratio ■Consumer Endnotes are included on slides 58 to 66. CIBC Fourth Quarter, 2023 Q2/23 Q3/23 Q4/23 ■ Business & Government 26

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