Q2 2023 Financial Results

Lending portfolio has a strong risk profile Nearly two-thirds of our portfolio is consumer lending, composed mainly of mortgages, with uninsured having an average loan-to- value of 53% • • Total variable rate mortgage portfolio accounts for 36% of the Canadian mortgage portfolio Overall Loan Mix (Outstanding Loans and Acceptances) Balance of portfolio is in business and government lending with an average risk rating equivalent¹ to BBB Consumer 62% CIBC◇ Canadian Uninsured Mortgage Loan-To-Value? Ratios 53% 53% 51% 52% 49% 49% 46% 44% 46% 47% 46% 43% Q2/20 Q2/21 Q2/22 Q2/23 Canada -GVA³ -GTA³ 3 For footnoted information refer to slide 38. Real Estate Secured Lending 55% $538B Cards 3% Auto Lending 1% Personal Lending 3% Other Business & Government 25% Commercial Real Estate 11% Business & Government 38% Oil Retailers 1% & Gas 1% 15

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