Canadian Bail-in Regime Update

Lending portfolio has a strong risk profile CIBC • 62% of our portfolio is consumer lending, composed mainly of mortgages, with uninsured having an average loan-to-value of 51% Total variable rate mortgage portfolio accounts for 32% of the Canadian mortgage portfolio Balance of portfolio is in business and government lending with an average risk rating equivalent1 to BBB Overall Loan Mix (Net Outstanding Loans and Acceptances) Consumer 62% HELOC 4% Auto Lending 1% Cards 3% Personal Lending 3% Canadian Uninsured Mortgage Loan-To-Value² Ratios 52% 52% 51% 49% 48% 51% 51% 47% 46% 46% 45% 44% Q1/21 Q1/22 Q1/23 Q1/24 -Canada -GVA³ -GTA³ 1. Incorporates security pledged; equivalent to S&P/Moody's rating of BBB/Baa2. Mortgages 51% $539B Oil & Gas 1% Other Business & Government 25% Commercial Real Estate 11% Retailers 1% Business & Government 38% 2. LTV ratios for residential mortgages are calculated based on weighted average. See page 35 of the Q1/24 Report to Shareholders for further details. 3. GVA and GTA definitions based on regional mappings from Teranet. 23

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