Fourth Quarter, 2023 Financial Overview

Canadian Uninsured Residential Mortgages Credit bureau score¹ and LTV2 distributions remain healthy Endnotes are included on slides 58 to 66. CIBC◇ Credit Bureau Score¹ Distribution 13% 13% 13% 14% 20%17% 19%20% 4% 3% 4% 4% 6% 4% 6% 6% ≤650 651-700 751-800 701-750 3 3 ■Canada Total ■ GVA Loan-to-Value (LTV)2 Distribution ■GTA ■Canada Variable Rate 27% 28%27%. 28% 25% 26% 25% 23% 23% 23% 22% 20% 20% 17% 17% 14% <30% 30 to <45% 45 to <60% 60 to ≤75% ■ Canada Total ■ GVA3 ■GTA3 Canada Variable Rate Fourth Quarter, 2023 57% 63% 58% 56% >800 13% 9% 9% 4% >75% 48

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