First Quarter, 2024 Earnings Report

Canadian Uninsured Residential Mortgages Credit bureau score¹ and LTV2 distributions remain healthy Endnotes are included on slides 49 to 54. CIBC Credit Bureau Score¹ Distribution 57% 63% 58% 55% 13% 13% 13% 14% 20% 17% 19% 20% 4% 3% 4% 5% 6% 4% 6% 6% ≤650 651-700 701-750 751-800 >800 ■ Canada Total ■ GVA³ ■GTA³ ■Canada Variable Rate Loan-to-Value (LTV)2 Distribution 25% 27% 27%27% 27% 22% 22% 24% 24% 23% 22% 16% 18% 19% 13% 17% 45 to <60% 60 to ≤75% GTA³ Canada Variable Rate <30% 30 to <45% ■ Canada Total GVA³ First Quarter, 2024 17% 14% 12% 4% >75% 40 40

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