Third Quarter 2023 Financial Results Overview

Canadian Real Estate Secured Personal Lending Uninsured mortgage delinquencies continue to remain low Mortgage balance growth has been driven by clients with deep and balanced relationships 87% of mortgages are owner-occupied; investor mortgages performance is strong and compares favourably with owner-occupied mortgages We continue to connect with clients in negative amortization mortgages to offer proactive solutions where appropriate • The portion of non-amortizing variable mortgages is $50B, representing 56% of the total variable rate mortgages Mortgages 90+ Days Delinquency Rates - Investor vs. Owner Occupied 0.50% 0.40% 0.30% 0.20% 0.10% 0.00% Q3/19 Q3/20 Q3/21 Q3/22 Q3/23 -Investor Owner Occupied Mortgage Balances ($B; principal) 260 140 263 265 90+ Days Delinquency Rates Q1/20 Q3/22 Q2/23 Q3/23 Total Mortgages 0.30% 0.14% 0.16% 0.17% Uninsured Mortgages 0.24% 0.11% 0.15% 0.15% Uninsured Mortgages in GVA¹ 0.15% 0.08% 0.20% 0.17% Uninsured Mortgages in GTA¹ 0.14% 0.06% 0.10% 0.13% HELOC Balances ($B; principal) 19.4 142 143 10.6 19.0 19.1 10.3 10.4 86 87 88 6.3 6.2 6.2 34 34 34 2.5 2.5 2.5 Q3/22 Q2/23 Q3/23 Q3/22 Q2/23 Q3/23 ■ GVA1 ■GTA¹ ■ Other Region ■GVA¹ ■GTA¹ ■ Other Region Endnotes are included on slides 46 to 51. CIBC◇ Third Quarter, 2023 25

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