Canadian Bail-in Regime Update

Notes continued Slide 45 - Furthering Our ESG Strategy 1. 2. Sustainable financing largely relates to client activities that support, but are not limited to, sectors such as renewable and emission-free energy, energy efficiency, sustainable infrastructure or technology, sustainable real estate, affordable housing and basic infrastructure, and products such as, sustainability linked and green financial products. The services offered by CIBC included in our sustainable finance commitment to support these client activities include loans and loan syndications, debt and equity underwritings, M&A advisory and principal investments. The affordable housing sector includes loans and investments that meet our obligations under the U.S. Community Reinvestment Act. Includes donations from CIBC to CIBC Foundation as well as donations from the CIBC Foundation funded from investment growth. Slide 50 - Canadian Uninsured Residential Mortgages - Q1/24 Originations 1. 2. -23 Originations include refinancing of existing mortgages but not renewals. LTV ratios for residential mortgages are calculated based on weighted average. See page 67 of the Q1/2024 Quarterly Report for further details. 3. GVA and GTA definitions based on regional mappings from Teranet. 4. Starting Q4/23, our primary credit score provider is TransUnion as opposed to Equifax in the prior quarters. The scores are not identical, so score distributions up to Q2/23 are not directly comparable to score distributions starting Q4/23 and onwards. This change in credit score provider had no material impacts on provision for credit losses. Slide 51 Commercial Real Estate exposure is well diversified - Q4/23 123 2. 1. Includes $4.1B in Multi Family that is reported in residential mortgages in the Supplementary Financial Information package. Includes US$1.4B in loans that are reported in other industries in the Supplementary Financial Information package, but are included here because of the nature of the security. Incorporates security pledged; equivalent to S&P/Moody's rating of BBB-/Baa3 or higher. In Q1/23, CIBC Bank USA Loans were re-rated, and converted from the Legacy CIBC Bank USA internal rating methodology to the CIBC internal risk rating methodology. The internal risk rating system gives more benefit to certain secured loans and less benefit to certain higher risk loans, which had a significant impact on the risk ratings for these exposures. 3. CIBC◇ 69 60

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