Canadian Bail-in Regime Update

Notes Slide 14 - A leading Canadian financial institution For additional information on the composition, see the "Glossary" section on pages 101-107 in the Q1/2024 Quarterly Report, available on SEDAR+ at www.sedarplus.ca. 1. All results are in Canadian dollars unless otherwise indicated. 2. Global regular head count for CIBC. This excludes FCIB, temporary employees and contingent workers. 3. 4. TSR is calculated based on common share price appreciation plus reinvested dividend income as at January 31, 2024. 5. 6. 7. Includes revenue from US Commercial Banking & Wealth Management, and revenue from Capital Markets operations in the US. 8. 9. Calculated pursuant to Office of the Superintendent of Financial Institutions (OSFI) Capital Adequacy Requirements (CAR) Guideline, which is based on Basel Committee on Banking Supervision (BCBS) standards. Corporate & Other not included in total NIAT. Moody's Long-Term Deposit and Counterparty Risk Assessment Rating; S&P issuer Credit Rating; Fitch Long-Term Deposit Rating and Derivative Counterparty Rating; DBRS Long-Term Issuer Rating as at Q1/24. Subject to conversion under the bank recapitalization "bail-in" regime. Slide 16-Making progress against our medium-term objectives 1. Based on adjusted measures. Adjusted measures are non-GAAP measures. See slide 38 for further details. 12 2. Medium-term targets are defined as through the cycle, which is currently defined as three to five years, assuming a normal business environment and credit cycle. The 3-year compound annual growth rate (CAGR) is calculated from 2020 to 2023 and the 5-year CAGR is calculated from 2018 to 2023. Adjusted results are non-GAAP measures. See slide 38 for further details. See note 1 on slide 71. 3. 4. 5. 6. See note 2 on slide 71. 7. See note 3 on slide 71. 8. See note 4 on slide 71. 9. For additional information on the composition, see the "Glossary" section on pages 101-107 in the Q1/2024 Quarterly Report, available on SEDAR+ at www.sedarplus.ca. Slide 18 Solid returns underpinned by a commitment to balance sheet strength... 1. Capital ratios are calculated pursuant to the Office of the Superintendent of Financial Institution's (OSFI's) Capital Adequacy Requirements (CAR) Guideline, the leverage ratio is calculated pursuant to OSFI's Leverage Requirements Guideline, and the LCR is calculated pursuant to OSFI's Liquidity Adequacy Requirements (LAR) Guideline, all of which are based on the Basel Committee on Banking Supervision (BCBS) standards. For additional information, see the "Capital management" and "Liquidity risk" sections in the 2024 Annual Report, available on SEDAR+ at www.sedarplus.ca. Slide 19 ...Prudent Risk Management Allowance for credit losses to gross carrying amount of loans. The gross carrying amount of loans include certain loans that are measured at fair value through profit or loss (FVTPL). 1. All results are on a Reported basis and in Canadian dollars unless otherwise indicated. 2. 3. Provision for (reversal of) credit losses on impaired loans to average loans and acceptances, net of allowance for credit losses. 4. Provision for (reversal of) credit losses to average loans and acceptances, net of allowance for credit losses. CIBC◇ 67

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