Investor Presentaiton

Notes on slides 22-32 Slide 22 - High-quality, client-driven balance sheet Derivatives related assets, are largely offset by derivatives related liabilities. Under IFRS derivative amounts with master netting agreements cannot be offset and the gross derivative assets and liabilities are reported on balance sheet. 1. Securitized agency MBS are on balance sheet as per IFRS. 2. 3. 4. Capital includes subordinated liabilities Includes obligations related to securities sold short, cash collateral on securities lent and obligations related to securities under repurchase agreements. Slide 24 Wholesale funding geography 1. 2. 3. Source: CIBC Q3-2023 Report to Shareholders. "Unsecured" includes Obligation related to securities sold short, Cash collateral on securities lent and Obligations related to securities under repurchase agreements Percentages may not add up to 100% due to rounding Slide 25 CIBC funding composition 1. 2. 3. 4. Unsecured funding is comprised of wholesale bank deposits, certificates of deposit and commercial paper, bearer deposit notes and bankers' acceptances, senior unsecured EMTN and senior unsecured structured notes Capital excludes subordinated liabilities Currency composition, in Canadian dollar equivalent, of funding sourced by CIBC in the wholesale market Percentages may not add up to 100% due to rounding. Source: CIBC Q3-2023 Report to Shareholders. Slide 27 - Mortgage Market Performance and Urbanization Rates 1. 2. 3. Source: UK Finance, CBA, MBA. *Mortgage arrears of 3+ months in Canada and UK or in foreclosure process in the US Source: Canadian Banker's Association Source: 2014 Census for France, 2021 Census for Canada, 2011 Census for UK, Germany; 2020 Census for US Slide 28 Canadian House Prices Source: CREA, July 2023 1. 2. 1 USD = 1.3215 CAD 3. 45 Source: Teranet - National Bank House Price Index 4. Source: OECD, 2022 or latest available. Household debt ratios across countries can be significantly affected by different institutional arrangements, among which tax regulations regarding tax deductibility of interest payments. Source: Bloomberg, Teranet - National Bank House Price Index 5. Slide 29 - CIBC's Mortgage Portfolio 1. LTV ratios for residential mortgages are calculated based on weighted average. The house price estimates for July 31, 2023 and October 31, 2022 are based on the Forward Sortation Area level indices from the Teranet - National Bank National Composite House Price Index (Teranet) as of June 30, 2023 and September 30, 2022, respectively. Teranet is an independent estimate of the rate of change in Canadian home prices. Slide 32 Canadian Bail-In Regime Update 1. 2. As referenced in the Bank Recapitalization (Bail-in) Regulations: http://laws-lois.justice.gc.ca/eng/regulations/SOR-2018-57/FullText.html Increases to 25.00% on November 1, 2023 upon increase of Domestic Stability Buffer to 3.50% (versus the maximum of 4.00%) from 3.00% CIBC 38

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