Fourth Quarter 2022 Financial Highlights

Commercial Real Estate Commercial real estate exposure is well diversified . • Gross impaired loans as a percentage of total Canadian & U.S. real estate is 30bps Five-year average loan losses for Canadian & U.S. real estate is 13bps Canadian Commercial Real Estate Exposure by Sector¹ Seniors Housing 5% Residential 21% Office 10% Other 4% Multi Family 26% $38.9B Retail 23% Industrial 11% . 68% of drawn loans investment grade³ U.S. Commercial Real Estate Exposure by Sector² Other 16% Hotel 2% Healthcare 3% Multi Family 31% Residential 2% Office 22% US$18.4B Industrial 17% Retail 7% . 34% of drawn loans investment grade³ 1 Includes $3.6B in Multi Family that is reported in residential mortgages in the Supplementary Financial Information package. 2 3 Includes US$1.7B in loans that are reported in other industries in the Supplementary Financial Information package, but are included here because of the nature of the security. Incorporates security pledged; equivalent to S&P/Moody's rating of BBB-/Baa3 or higher. CIBC◇ Fourth Quarter, 2022 32

View entire presentation