Third Quarter 2023 Financial Results Overview

Credit Performance - Gross Impaired Loans Gross impaired loan ratios up YoY and QoQ . Gross impaired loan ratio was up, mainly attributable to the U.S. commercial real estate sector Gross Impaired Loan Ratios Q1/20 • New formations were up in business and government loans • The overall consumer lending portfolio has shown a continued trend back to pre-pandemic levels Canadian Residential Mortgages Canadian Personal Lending Business & Government Loans¹ CIBC FirstCaribbean Q3/22 0.30% 0.14% 0.16% 0.37% 0.34% 0.43% 0.45% 0.59% 0.44% 0.63% 0.79% Q2/23 Q3/23 0.17% 3.80% 4.18% 4.30% 3.84% Total 0.47% 0.33% 0.43% 0.48% Gross Impaired Loan Ratio² New Formations ($MM)² 1,009 1,074 0.48% 0.43% 0.33% 721 573 528 537 483 485 232 2,616 151 2,328 140 91 1,701 489 481 501 343 386 394 Q3/22 Q2/23 Q3/23 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Gross Impaired Loans ($MM) Gross Impaired Loan Ratio Consumer ■ Business & Government Endnotes are included on slides 46 to 51. CIBC◇ Third Quarter, 2023 23

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