Canadian Bail-in Regime Update

Allowance coverage remains higher than pre-pandemic levels Total Allowance Coverage Q1/20 Q4/20 Q1/23 Q4/23 Q1/24 Total allowance coverage ratio down YoY and up QoQ Canadian Credit Cards 4.0% 6.2% 5.1% 4.2% 4.2% • Increase QoQ is due to higher allowances in both performing and impaired portfolios Canadian Residential Mortgages <0.1% 0.1% <0.1% 0.1% 0.1% Canadian Personal Lending 1.3% 1.9% 2.0% 2.3% 2.4% Canadian Small Business 2.3% 2.9% 3.2% 2.7% 2.6% Canadian Commercial Banking 0.5% 0.9% 0.5% 0.6% 0.4% U.S. Commercial Banking 0.5% 1.4% 1.0% 1.8% 2.1% Capital Markets¹ 0.4% 1.1% 0.2% 0.2% 0.2% CIBC FirstCaribbean (FCIB) Total 3.3% 5.1% 4.0% 3.4% 3.3% 0.51% 0.89% 0.63% 0.76% 0.77% Total Allowance Coverage Ratio² 0.63% 0.76% 0.77% Performing and Impaired Allowance Coverage Ratios 38% 36% 36% 0.56% 0.58% 4,117 4,182 0.49% 3,371 Q1/23 Q4/23 Q1/24 Q1/23 Q4/23 Allowance for Credit Losses ($MM) Allowance Coverage Ratio Impaired ACL to GIL 2 CIBC For footnoted information refer to slide 68. Q1/24 -Performing ACL to Performing Loans 25

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