First Quarter, 2024 Earnings Report

Credit Performance - Gross Impaired Loans Gross impaired loan ratios stabilized and flat QoQ • Gross impaired loan ratio was flat QoQ, with increases in retail offset by write- offs in business and government loans Gross Impaired Loan Ratios Q1/20 Q1/23 Q4/23 Q1/24 Canadian Residential Mortgages 0.30% 0.16% 0.21% 0.25% New formations remained relatively stable, with an increase in retail offset by a reduction in business and government loans Canadian Personal Lending¹ 0.37% 0.41% 0.48% 0.53% Business & Government Loans² 0.59% 0.46% 0.92% 0.87% CIBC FirstCaribbean Total 3.80% 4.38% 3.67% 3.62% 0.47% 0.36% 0.55% 0.55% Gross Impaired Loan Ratio³ 0.36% 1,942 New Formations ($MM)³ 1,074 1,091 1,089 0.55% 0.55% 1,009 721 509 456 573 528 485 232 2,990 2,997 91 582 633 489 481 501 394 Q1/23 Q4/23 Q1/24 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Gross Impaired Loans ($MM) Gross Impaired Loan Ratio ■Consumer Business & Government Endnotes are included on slides 49 to 54. CIBC First Quarter, 2024 23

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