First Quarter, 2024 Earnings Report

Commercial Real Estate Commercial real estate exposure is well diversified . Canada represents 63% of total Canadian & U.S. real estate exposure Gross impaired loans as a percentage of total Canadian & U.S. real estate is 1.71% Canadian Commercial Real Estate Exposure by Sector¹ U.S. Commercial Real Estate Exposure by Sector² US Office Portfolio - Geographic Breakdown, US$B Residential (Housing) 1% Chicago-Naperville-Elgin 0.3 Washington-Arlington-Alexandria 0.3 Residential (Housing) 22% Multi Family 24% Other 18% Boston-Cambridge-Newton 0.3 Multi Family 28% Miami-Fort Lauderdale-West Palm Beach 0.3 Minneapolis-St. Paul-Bloomington 0.2 Other 4% $41.3B US$18.3B Office 19% Dallas-Fort Worth-Arlington 0.2 New York-Newark-Jersey City 0.1 Office 10% Retail 7% Retail 21% Industrial 14% Los Angeles-Long Beach-Anaheim 0.1 San Francisco-Oakland-Hayward 0.1 Industrial 22% Healthcare 3% Pittsburgh 0.1 Seniors Housing 5% 56% of drawn loan investment grade³ Hotel 2% Other 1.5 Total 3.5 56% of drawn loan investment grade³ Endnotes are included on slides 49 to 54. CIBC First Quarter, 2024 43

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