Canadian Bail-in Regime Update

Provision for credit losses up YoY and QoQ on an adjusted basis ($MM) Q1/23 Q4/23 Q1/24 Cdn. Personal & Business Banking 158 282 329 Impaired 188 259 285 Performing (30) 23 44 Cdn. Commercial Banking & Wealth 46 11 20 Impaired 26 11 16 Provision for Credit Losses up YoY and down QoQ • Impaired provisions remained flat in Q1/24, largely due to higher impairments in the U.S. commercial and Canadian retail portfolios, offset by lower impairments in the Canadian commercial portfolio and CIBC FirstCaribbean Performing provision in Q1/24 largely driven by U.S. commercial portfolio reflective of an allowance increase for the office sector, and Canadian retail portfolio reflective of unfavourable credit migration Performing 20 4 Provision for Credit Losses Ratio¹ U.S. Commercial Banking & Wealth 198 249 244 0.43% 0.40% Impaired 41 205 189 Performing 57 44 55 0.22% 0.36% 0.35% Capital Markets (10) 4 8 0.19% Impaired (11) 6 6 Performing 1 (2) 2 93 63 Corporate & Other 3 (5) (16) Impaired 15 (4) 36 478 492 Performing (12) (2) (12) 259 Total PCL Impaired Performing 295 541 585 259 478 492 36 63 93 Q1/23 Q4/23 Q1/24 PCL on Impaired 1 -Impaired PCL Ratio PCL on Performing Total PCL Ratio CIBC 1. Total PCL Ratio - Provision for (reversal of) credit losses to average loans and acceptances, net of allowance for credit losses. Impaired PCL Ratio - Provision for (reversal of) credit losses on impaired loans to average loans and acceptances, net of allowance for credit losses. 27

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