Covered Bond Program Overview

Underpinned by a commitment to balance sheet strength Basel III CET1 Ratio (%) Basel III Total Capital Ratio (%) 11.4 11.6 12.1 12.4 11.7 14.9 15.0 16.1 16.2 15.3 2018 2019 2020 2021 Q2/22 2018 2019 2020 2021 Q2/22 Basel III Leverage Ratio (%) 4.3 4.3 2018 CIBC◇ 2019 4.7 2020 Liquidity Coverage Ratio (%)¹ 134 4.7 124 4.2 2021 Q2/22 Q2/18 Q2/19 131 Q2/20 134 125 Q2/21 Q2/22 1 For the quarter ended January 31, 2022, our three-month daily average LCR was 125% compared to 134% for the same period last year. The decrease was driven by improving economic conditions and the return of our LCR to pre-pandemic levels. 20 20

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