Canadian Bail-in Regime Update

Commercial Real Estate exposure is well diversified - Q1/24 • Canada represents 63% of total Canadian & U.S. real estate exposure Gross impaired loans as a percentage of total Canadian & U.S. real estate is 1.71% Canadian Commercial Real Estate Exposure by Sector¹ U.S. Commercial Real Estate Exposure by Sector² US Office Portfolio - Geographic Breakdown, US$B Residential (Housing) 1% Chicago-Naperville-Elgin 0.3 Washington-Arlington-Alexandria 0.3 Residential (Housing) 22% Multi Family 24% Other 18% Boston-Cambridge-Newton 0.3 Multi Family 28% Miami-Fort Lauderdale-West Palm Beach 0.3 Dallas-Fort Worth-Arlington 0.2 Other 4% $41.3B Office 10% US$18.3B Office 19% Minneapolis-St. Paul-Bloomington Pittsburgh 0.2 0.1 San Francisco-Oakland-Hayward 0.1 Retail 7% New York-Newark-Jersey City 0.1 Retail 21% Industrial 14% Industrial 22% Seniors Housing 5% Healthcare 3% Total Hotel 2% Los Angeles-Long Beach-Anaheim Other 0.1 1.5 3.5 56% of drawn loan investment grade³ 56% of drawn loan investment grade³ CIBC For footnoted information refer to slide 70. 51

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