Fourth Quarter, 2023 Financial Overview

Canadian Uninsured Residential Mortgages - Q4/23 Originations1 Credit quality of new originations continues to remain high Originations of $10B in Q4/23 Average LTV² in Canada: 66%, GVA³: 61%, GTA³: 65% Credit Bureau Score4 Distribution Endnotes are included on slides 58 to 66. CIBC 44% 50% 48% 45% 26% 26% 26% 26% 19% 19% 16% 16% 8% 8% 7% 5% 3% 3% 2% 3% ≤650 651-700 ■ Canada Total 701-750 751-800 >800 3 3 ■ GVA ■GTA ■Canada Variable Rate Loan-to-Value (LTV)2 Distribution 14% 15% 16% 16% 12% 9% 9% 8% 4% 6% 5% 3% 48% 42% 40% 33% 30% 30% 29% 31% <30% 30 to <45% 45 to <60% 60 to ≤75% >75% ■ Canada Total ■ GVA 3 ■GTA³ ■Canada Variable Rate Fourth Quarter, 2023 49

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