First Quarter 2022 Financial Results

Credit Quality - gross impaired loan ratios remained stable in Q1/22 Reported Canadian Residential Mortgages Q1/21 Q4/21 Q1/22 0.27% 0.17% 0.17% • Canadian Personal Lending 0.35% 0.26% 0.27% • Business & Government Loans¹ 0.97% 0.59% 0.56% CIBC FirstCaribbean (FCIB) 3.72% 4.33% 4.61% Total 0.58% 0.39% 0.39% Gross Impaired Loan Ratio² 0.58% 2,455 Q1/21 Gross Impaired Loans ($MM) CIBC◇ Balances were down YoY & up QoQ Canadian retail impaired balances continued to remain low in Q1/22 U.S. Commercial experienced higher impairments in the quarter New Formations ($MM) 840 0.39% 0.39% 726 407 192 414 456 442 70 81 109 1,833 1,900 534 433 344 375 333 Q4/21 Q1/22 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Gross Impaired Loan Ratio ■ Consumer ■ Business & Government 1 Excludes CIBC FirstCaribbean business & government loans. 2 See note 8 on slide 38. First Quarter, 2022 24

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