CIBC Q1 2019 Fixed Income Investor Presentation

How Bail-In Is Expected To Work When OSFI deems a bank has ceased to or may be about to cease to continue to be viable, it may trigger temporary takeover of the bank and carry out the bail-in conversion of NVCC capital and bail-in debt to common equity. ■ At bail-in, all NVCC instruments would be fully converted to common equity based on pre-determined conversion ratios ■ Portion of the bail-in debt that would be converted to common equity as well as the conversion ratio would be determined by the authorities on a case-by-case basis 1. Pre-Loss Balance Sheet 2. Loss Event 3. Post Bail-in Other Senior Liabilities Bail-in Debt Loss Other Senior Liabilities Assets NVCC Sub- Debt Bail-in Debt Assets Assets NVCC NVCC Sub- Debt Preferred Equity Common Equity CIBC Q1 2019 Fixed Income Investor Presentation NVCC Preferred Equity Common Equity Other Senior Liabilities Bail-in Debt Common Equity CIBC 28

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