Canadian Bail-in Regime Update

CIBC's Mortgage Portfolio CIBC Canadian Residential Mortgages: CAD 264.9 BN CAD 149 BN 87% CAD 52 BN Insured Uninsured CAD 26 BN 88% CAD 22 BN CAD 16 BN 59% 13% 41% 12% Ontario BC & Territories Alberta 79% 21% Quebec 65% 35% Other CIBC◇ 1. Condo Exposure: CAD 48.6 BN Condo Mortgages Condo Developers CAD 40.3 BN CAD 8.3 BN Uninsured 82% Undrawn 75% Insured 18% Drawn 25% 18% of CIBC's Canadian residential mortgage portfolio is insured, with 58% of insurance being provided by CMHC The average loan to value1 of the uninsured portfolio is 50% • The condo developer exposure is diversified across 121 projects • Condos account for approximately 16% of the total mortgage portfolio LTV ratios for residential mortgages are calculated based on weighted average. The house price estimates for January 31, 2024 and 2023 are based on the Forward Sortation Area level indices from the Teranet - National Bank National Composite House Price Index (Teranet) as September 30, 2023, respectively. Teranet is an independent estimate of the rate of change in Canadian home prices. 35

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