Canadian Bail-in Regime Update

Debt Programmes Summary CIBC Canada CIBC Secured Senior Outperformed most G7 economies as measured by long term GDP growth rate during 2002-20221 Strong diversified stable economy Aaa/AAA/AA+/AAA (Moody's/S&P/Fitch/DBRS) The World Economic Forum ranked Canada's soundness of banks first in the world from 2008 to 2016, second in the world in 2017 to 2018 and sixth in the world in 2019 to 20202 Well capitalized top 5 Canadian Bank with CET1, Tier 1 and total capital ratios of 13%, 14.6% and 17.0% respectively, as of January 31st, 20243 • • Deposit/Counterparty/Legacy Senior Aa2/A+/AA/AA (Moody's/S&P/Fitch/DBRS) Senior5 A2/A-/AA-/AA (low) (Moody's/S&P/Fitch/DBRS) CAD 60 billion Legislative Covered Bond Programme (Luxembourg) AAA-rated (or equivalent) from minimum two rating agencies . Collateral consisting of Canadian residential mortgage loans with original LTV capped at 80% CAD 8 billion Credit Card ABS Programme (CARDS II Trust) • Issuance in CAD and USD (Reg S/144A) AAA(sf)-rated (or equivalent) from at least two rating agencies (Senior Notes) International Debt Programmes • USD 40 billion Euro Medium Term Note (EMTN) Programme (Luxembourg) • USD 20 billion (SEC) Base Shelf (New York) USD Structured Note Programme (Luxembourg) USD 15 billion Medium Term Note (MTN) Programme (New York) • AUD 5 billion Medium Term Note Programme • Domestic Debt Programmes Senior Notes, prospectus exempt CAD 10 billion Canadian Base Shelf (regulatory capital instruments) Principal at Risk (PaR) Structured Note Programme 1. Source: International Monetary Fund, October 2022 2. Source: World Economic Forum, The Global Competitiveness Report 2020 3. CIBC capital requirements are determined in accordance with guidelines issued by the Office of the Superintendent of Financial Institutions (OSFI), which are based upon the risk-based capital standards developed by the Basel Committee on Banking Supervision (BCBS). OSFI requires all institutions to achieve target capital ratios that meet or exceed the 2021 all-in minimum ratios plus a conservation buffer. Please see CIBC Q1, 2024 supplementary financial information for additional details. 4. DBRS LT Issuer Rating; Moody's LT Deposit and Counterparty Risk Assessment Rating; S&P's Issuer Credit Rating; Fitch LT Issuer Default and Derivative Counterparty Rating. Includes: (a) Senior debt issued prior to September 23, 2018; and (b) Senior debt issued on or after September 23, 2018 which is excluded from the bank recapitalization "bail-in" regime. 5. Subject to conversion under the bank recapitalization "bail-in" regime 6

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