Covered Bond Program Overview

Diversified Businesses with Leading Canadian and Growing U.S. Platform 48% Net Income by Strategic Business Unit¹ 30% 37% F16 $4.3B 26% Q2/22 LTM $6.5B 14% U.S. Region 22% 23% CIBC 1 Does not include Corporate & Other 2% U.S. Region 2%2 28% ■ Personal & Business Banking U.S. Commercial & Wealth Cdn. Commercial & Wealth ■Capital Markets 2 Net income for the U.S. Commercial Banking and Wealth Management segment and Capital Markets U.S. region results as a percentage of net income for the entire Bank 16

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