Canadian Bail-in Regime Update

High-Quality, Client-Driven Balance Sheet (Based on Q1-2024 Results) CIBC Assets Liabilities & Equity $972B Cash & Repos 137% Unsecured Funding 38% Coverage Liquid Assets (Liquid Assets/ Trading & Investment Wholesale Funding) Collateral Financing³ Securities Residential Mortgages¹ 54% Loan Portfolio Other Retail Loans 115% Coverage (Deposits + Capital / Loans) Corporate Loans 8% Other Assets² Mainly Derivatives Personal Deposits Business & Gov't Deposits Securitization & Covered Bonds Capital4 28% Wholesale-sourced Funding 64% Capital + Client-related Funding Other Liabilities² 8% Mainly Derivatives 1. Securitized agency MBS are on balance sheet as per IFRS. 2. Derivatives related assets, are largely offset by derivatives related liabilities. Under IFRS derivative amounts with master netting agreements cannot be offset and the gross derivative assets and liabilities are reported on balance sheet. 3. Includes obligations related to securities sold short, cash collateral on securities lent and obligations related to securities under repurchase agreements. 4. Capital includes subordinated liabilities 21

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