Covered Bond Program Overview

We continue to deploy Balance Sheet resources towards organic growth CET1 ratio of 11.7%, down 52 bps, reflecting: • $B Average Loans and Acceptances Q2/21 425.0 Q1/22 Q2/22 474.5 492.6 . Average Deposits 586.6 652.9 664.2 CET1 capital 31.9 34.8 35.1 CET1 ratio 12.4% 12.2% 11.7% Risk-weighted assets (RWA)1 258.0 284.2 299.5 Leverage ratio¹ 4.7% 4.3% 4.2% • Liquidity coverage ratio (average) 134% 123% 125% HQLA (average)1 179.0 174.7 173.3 Net Stable Funding Ratio¹ 118% 116% 117% Capital generation from earnings net of dividends Increase in RWAs from strong organic growth across all businesses Capital deployed against Costco card portfolio Impact of market volatility in the quarter CET1 Ratio 12.2% RWA ($B) 29 bps (41) bps (20) bps (20) bps 11.7% 284.2 1.9 11.5 1.9 299.5 Q1/22 Earnings net of Dividends RWA Movements (excl. FX) Costco Market Factors and Other Q2/22 Q1/22 Credit Risk (excl. FX) CCR, Market Risk FX and Other Q2/22 CIBC 1 RWA and our capital ratios are calculated pursuant to OSFI's CAR Guideline, the leverage ratio is calculated pursuant to OSFI's Leverage Requirements Guideline, HQLA and NSFR are calculated pursuant to OSFI's LAR Guideline, all of which are based on BCBS standards. For additional information, see the "Capital management" and "Liquidity risk" sections in the Q2/22 Management's discussion and analysis, available on SEDAR at www.sedar.com. 21

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