First Quarter, 2024 Earnings Report

Commercial Real Estate - Multi-Family Loans Credit quality continues to remain strong • Multi-family portfolios¹ are well diversified across various regions in both Canada and the U.S., with healthy risk-ratings and robust overall loan-to-values No impaired balances as at Q1/24 Canada Ontario US Chicago-Naperville-Elgin IL-IN-WI GTA 31% Atlanta-Sandy Springs-Roswell GA Non-GTA 17% Phoenix-Mesa-Scottsdale AZ Quebec 21% Dallas-Fort Worth-Arlington TX British Columbia 16% Houston-The Woodlands-Sugar Land TX Atlantic 7% Orlando-Kissimmee-Sanford FL Alberta Other 6% 2% Detroit-Warren-Dearborn MI Raleigh NC Nashville-Davidson--Murfreesboro--Franklin TN Austin-Round Rock TX Other (Including over 40+ MSAs with no single MSAs accounting for more than 3%) Total outstanding ($B) Weighted Average LTV² Watchlist Loan Ratio Gross Impaired Loan Ratio Annualized Net Charge-off Ratio Endnotes are included on slides 49 to 54. CIBC 57% of drawn loans are investment grade C$9.9 Total outstanding ($B) 59% Weighted Average LTV² 0.2% Watchlist Loan Ratio 0.0% Gross Impaired Loan Ratio 0.0% Annualized Net Charge-off Ratio First Quarter, 2024 12% 8% 7% 7% 5% 5% 4% 3% 3% 3% 43% US$5.3 55% 3.7% 0.0% 0.0% 62% of drawn loans are investment grade 44

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