Investor Presentaiton

Prudent risk management¹ 29 0.51 0.89 2019 2020 2019 33 33 CIBC◇ For footnoted information refer to slide 36. 61 Total Allowance Coverage Ratio² (%) 0.64 2021 Loan Loss Ratio (bps) 0.73 0.62 2022 Q3/23 35 26 21 16 14 4 2020 2021 2022 Q3/23 Impaired³ Total4 54 12

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