First Quarter, 2024 Earnings Report

Capital and Liquidity Robust balance sheet, with capitalization and liquidity in excess of our normal course operating targets Capital Position CET1 ratio of 13.0%, up 64 bps sequentially • Increase primarily due to: . • • $B Average Loans and Acceptances¹ Average Deposits¹ Q1/23 Q4/23 Q1/24 529.2 539.5 538.8 715.1 721.2 732.4 36.6 40.3 41.2 11.6% 12.4% 13.0% Risk-Weighted Assets (RWA)² 315.0 326.1 316.3 Leverage Ratio² 4.3% 4.2% 4.3% Liquidity Coverage Ratio (average)² 134% 135% 137% HQLA (average)² 184.0 187.8 191.7 Net Stable Funding Ratio² 115% 118% 115% RWA ($B) Internal capital generation and share issuances Methodology changes, including the adoption of IRB on a majority of the U.S. portfolio, partly offset by regulatory changes related to negatively amortizing mortgages and revised market risk and CVA frameworks Net of organic RWA growth in the quarter CET1 Capital² CET1 Ratio CET1 Ratio 28 bps 6 bps 13.0% (6) bps 11 bps 25 bps 12.4% Q4/23 326.1 1.4 (7.5) 316.3 (3.7) Earnings Net Share Issuances Methodology & Policy³ RWA Growth Other Q1/24 Q4/23 Credit Risk Market & Operational Risk FX Q1/24 of Dividends Endnotes are included on slides 49 to 54. CIBC First Quarter, 2024 13

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