Fourth Quarter 2022 Financial Highlights

Credit Portfolio Breakdown Lending portfolio has a strong risk profile Nearly two-thirds of our portfolio is consumer lending, composed mainly of mortgages with uninsured having an average loan-to-value of 48% Overall Loan Mix (Outstanding Loans and Acceptances) • • The total variable rate mortgage portfolio with fixed payments accounts for 38% of the Canadian mortgage portfolio The balance of our portfolio is in business and government lending with an average risk rating equivalent¹ to a BBB Consumer 62% Canadian Uninsured Mortgage Loan-To-Value² Ratios 54% 52% 50% 49% 48% 48% 48% 47% 47% 46% 45% 44% Q4/19 Q4/20 Q4/21 Q4/22 3 Canada GVA GTA³ 1 2 3 Incorporates security pledged; equivalent to S&P/Moody's rating of BBB/Baa2. LTV ratios for residential mortgages are calculated based on weighted average. See pages 66-67 of the 2022 Annual Report for further details. GVA and GTA definitions based on regional mappings from Teranet. CIBC Real Estate Secured Lending 55% $529B Cards 3% Personal Lending 3% Auto Lending 1% Commercial Real Estate 10% Other Business & Government 25% Business & Government 38% Retailers 1% Oil & Gas 1% Leisure & Entertainment 1% Fourth Quarter, 2022 26

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