First Quarter, 2024 Earnings Report

Credit Portfolio Breakdown Lending Portfolio has a strong risk profile Credit portfolio is well diversified Overall Loan Mix (Net Outstanding Loans and Acceptances) • 62% of our portfolio is consumer lending, composed mainly of mortgages, with uninsured having an average loan-to-value of 51% Total variable rate mortgage portfolio accounts for 32% of the Canadian mortgage portfolio Balance of portfolio is in business and government lending with an average risk rating equivalent¹ to BBB Canadian Uninsured Mortgage Loan-To-Value² Ratios Consumer 62% HELOC 4% Cards 3% Auto Lending 1% Personal Lending 3% Real Estate Secured Lending 51% 52% 52% 51% 49% 48% 51% 51% 47% 46% 46% 45% 44% Q1/21 Q1/22 Q1/23 Q1/24 Canada -GVA³ GTA³ Endnotes are included on slides 49 to 54. CIBC First Quarter, 2024 - $539B Other Business & Government 25% Commercial Real Estate 10% Business & Government 38% Oil Retailers 2% & Gas 1% 39

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