Canadian Bail-in Regime Update

Asset yields and funding costs Average Assets ($B) & Yields 1,2,3 4.77% 5.17% Average Liabilities and Equity ($B), & Costs 1,4,5 5.60% 5.61% 4.16% 4.18% 5.35% 3.86% 3.28% 3.63% 982 953 944 962 953 933 944 962 53 982 54 933 50 51 52 215 213 234 209 211 384 397 362 381 391 190 189 196 210 228 3.27% 3.77% 3.79% 4.08% 4.03% 155 166 167 171 3.48% 3.90% 4.17% 4.37% 184 4.61% 529 5.19% 535 537 539 539 214 209 203 207 209 5.57% 5.78% 6.04% 3.05% 3.49% 3.82% 6.11% 3.96% 3.99% 150 0.88% 145 141 140 0.93% 0.77% 1.19% 138 1.06% Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Loans & Acceptances Securities Other Notice/Demand - Personal Notice/Demand - Corporate & Commercial Term - Client Other Yield on Avg. Interest-Earning Assets Equity - Cost of Liabilities over Avg. Interest-Earning Assets Client Deposit Mix (Spot Balances)6 31% Q1/23 $519B 21% 33% 48% Q4/23 $528B 47% 20% 35% Q1/24 $532B 18% 47% Interest-Bearing Deposits - Notice/Demand Interest-Bearing Deposits - Term Non-Interest-Bearing Deposits CIBC For footnoted information refer to slide 68. • Loan yields and deposit costs continue to rise, capturing recent rate increases by the Bank of Canada and the Federal Reserve Further mix shift to higher-cost term deposits driven by changes in client behaviour; demand and notice deposit betas behaving in aggregate generally as expected, with some exceptions in either direction 20 20

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