Canadian Bail-in Regime Update

Canadian Real Estate Secured Personal Lending • Mortgage growth has been driven by clients with deep and balanced relationships • . 87% of mortgages are owner-occupied; investor mortgages performance is strong and compares favourably with owner-occupied mortgages We continue to connect with clients in negative amortization mortgages to offer proactive solutions where appropriate • The portion of non-amortizing variable mortgages is $43B, down from $50B last quarter, and represent 50% of the total variable rate mortgages 90+ Days Delinquency Rates Q1/20 Q4/22 Q4/23 Q1/24 Mortgages 90+ Day Delinquency Rates - Investor vs. Owner Occupied Total Mortgages 0.30% 0.13% 0.17% 0.21% 0.40% Uninsured Mortgages 0.43% 0.24% 0.25% 0.29% 0.30% Uninsured Mortgages in GVA1 0.24% 0.11% 0.15% 0.20% 0.20% Uninsured Mortgages in GTA¹ 0.15% 0.07% 0.17% 0.28% 0.10% 0.00% Q4/19 Q4/20 Investor Q4/21 Owner Occupied Q4/22 Q4/23 Mortgage Balances ($B; principal) 262 141 265 266 143 143 HELOC Balances ($B; principal) 19.4 19.1 19.0 10.6 10.4 10.3 87 88 89 6.3 6.2 6.2 34 34 34 2.5 2.5 2.5 Q4/22 Q3/23 Q4/23 Q4/22 Q3/23 Q4/23 GVA1 ☐ GTA1 1 ■ Other Region ■ GVA ■GTA1 ■ Other Region CIBC 1. GVA and GTA definitions based on regional mappings from Teranet. 2. Alberta, Saskatchewan and Newfoundland and Labrador. 49 40

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