Third Quarter 2023 Financial Results Overview

Commercial Real Estate Commercial real estate exposure is well diversified . Canada represents 62% of total Canadian & U.S. real estate exposure Gross impaired loans as a percentage of total Canadian & U.S. real estate is 1.32% Trailing five-year average loan losses for Canadian & U.S. real estate is 17bps Canadian Commercial Real Estate Exposure by Sector¹ Residential (Housing) 21% Multi Family 26% Other 4% $41.5B Office 10% Retail 21% Industrial 13% U.S. Commercial Real Estate Exposure by Sector² Residential (Housing) 1% Seniors Housing 5% . 69% of drawn loans investment grade³ . Endnotes are included on slides 46 to 51. CIBC◇ Third Quarter, 2023 Other 14% Multi Family 30% Office 20% US$19.0B Retail 9% Industrial 21% Healthcare 3% Hotel 2% 57% of drawn loans investment grade³ 41

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