First Quarter, 2024 Earnings Report

Canadian Uninsured Residential Mortgages - Q1/24 Originations1 Credit quality of new originations continues to remain high • Originations of $7B in Q1/24 • Average LTV² in Canada: 67%, GVA³: 62%, GTA³: 66% Endnotes are included on slides 49 to 54. CIBC Credit Bureau Score4 Distribution 24% 23% 24% 25% 19% 16% 18% 18% 9% 7% 7% 7% 3% 1% 2% 1% ≤650 651-700 3 ■ Canada Total ■GVA 701-750 ■GTA 3 751-800 ■Canada Variable Rate 53% 49%49% 45% >800 Loan-to-Value (LTV)2 Distribution 47% 45% 43% 28% 32%29%28% 32% 15% 16% 16% 14% 12% 8% 8% 8% 7% 4% 4% 4% <30% 30 to <45% 3 3 ■ Canada Total ■GVA 45 to <60% ■GTA³ ■ Canada Variable Rate 60 to ≤75% >75% First Quarter, 2024 41

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