Canadian Bail-in Regime Update

Cover Pool Summary Statistics (January 31, 2024)¹ Current Collateral Pool Asset Percentage Requirement Current Balance Outstanding Covered Bonds Number of Loans 1 Canadian uninsured residential mortgages 93.00% CAD 48,060,262,592 CAD Eq. 33,413,646,500 152,506 CAD 315,137 Average Balance Weighted Ave Original LTV Weighted Ave Current Indexed LTV Weighted Ave Current Unindexed LTV Weighted Ave Remaining Term Weighted Ave Remaining Amortization Weighted Ave Seasoning 90 day + Arrears² 69.66% 48.10% 61.01% 24 months 269 months 48 months Insured Fixed 2,3 Owner Occupied 2,4 0.06% No 75.41% 81.42% Collateral information available on https://www.cibc.com/ca/investor-relations/debt-info/legislative-covered-bond-program.html 12 1. 2. As a percentage of current balance CIBC 3. No interest only loans 4. Inclusive of "combined" occupancy status loans where the mortgagor both resides in and sublets a portion of the mortgaged property 40 40

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