Fourth Quarter 2022 Financial Highlights

Credit Performance - Gross Impaired Loans Gross impaired loan ratios down YoY and stable QoQ While the total bank gross impaired ratio was stable QoQ, impaired dollars were up slightly mainly attributable to the retail portfolio New formations remain stable and low from a historical perspective Gross Impaired Loan Ratio² 0.39% Gross Impaired Loan Ratios Q4/21 Q3/22 Q4/22 Canadian Residential Mortgages 0.17% 0.14% 0.13% Canadian Personal Lending 0.26% 0.34% 0.37% Business & Government Loans¹ 0.59% 0.44% 0.41% CIBC FirstCaribbean (FCIB) 4.33% 4.18% 4.10% Total 0.39% 0.33% 0.33% New Formations ($MM)² 0.33% 0.33% 537 456 483 485 442 151 91 81 109 140 1,833 1,701 1,743 375 333 343 386 394 Q4/21 Gross Impaired Loans ($MM) Q3/22 1 Excludes CIBC FirstCaribbean business & government loans. 2 See notes 12-13 on slide 47. CIBC Q4/22 Gross Impaired Loan Ratio Q4/21 Q1/22 Q2/22 Fourth Quarter, 2022 Q3/22 Q4/22 Consumer ■ Business & Government 27

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