Third Quarter 2023 Financial Results Overview

Canadian Uninsured Residential Mortgages Credit bureau score¹ and LTV2 distributions remain healthy Endnotes are included on slides 46 to 51. CIBC◇ Credit Bureau Score¹ Distribution 20%17%20%21% 14% 12% 13% 14% 3% 3% 3% 3% 6% 4% 5% 6% ≤650 651-700 701-750 3 751-800 3 ■Canada Total ■GVA ■GTA ■Canada Variable Rate Loan-to-Value (LTV)2 Distribution 27% 27% .27%26% 28% 24% 24% 23% 23% 22% 22% 18% 19% 17% 16% 13% <30% 30 to <45% 45 to <60% 3 3 ■Canada Total ■ GVA ■GTA 60 to ≤75% ■Canada Variable Rate Third Quarter, 2023 57% 64% 59% 56% >800 16% 12% 11% 5% >75% 38

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