Canadian Bail-in Regime Update

Canadian Uninsured Residential Mortgages - Q1/24 Originations1 Credit Bureau Score¹ Distribution 57% 63% 58% 55% • • Originations of $7B in Q1/24 Average LTV2 in Canada: 67% . GVA³: 62% GTA³: 66% 13% 13% 13% 14% 20%17% 19% 20% 4% 3% 4% 5% 6% 4% 6% 6% ≤650 651-700 ■Canada Total 701-750 751-800 3 GVA³ ■GTA³ ■Canada Variable Rate Loan-to-Value (LTV)2 Distribution 25% 27% 27%4 27% 27% 22% 22% 24% 24% 23% 22% 16% 18% 19% 17% 13% <30% 30 to <45% 45 to <60% ■ Canada Total GVA³ ☐ CIBC For footnoted information refer to slide 70. 60 to ≤75% GTA³ Canada Variable Rate >800 17% 14% 12% 4% >75% 50

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