Canadian Bail-in Regime Update

Canadian Consumer Lending Reported Net Write-Offs Q1/20 Q1/23 Q4/23 Canadian Residential Mortgages Canadian Credit Cards Canadian Personal Lending Unsecured 0.01% <0.01% <0.01% Q1/24 <0.01% Net Write-off Ratio² 0.29% 3.16% 2.65% 2.64% 2.93% 0.27% 0.77% 0.59% 0.96% 0.96% 0.21% 1.80% 1.20% 1.86% 1.86% Secured 0.02% 0.01% 0.02% 0.03% Total 0.28% 0.21% 0.27% 0.29% 225 241 173 90+ Days Delinquency Rates¹ Q1/20 Q1/23 Q4/23 Q1/24 Canadian Residential Mortgages 0.30% 0.16% 0.21% 0.25% Q1/23 Q4/23 Q1/24 Canadian Credit Cards 0.82% 0.74% 0.66% 0.78% Canadian Personal Lending 0.37% 0.41% 0.48% 0.53% Net Write-offs ($MM] Net Write-off Ratio Unsecured 0.47% 0.52% 0.58% 0.67% Secured 0.32% 0.27% 0.34% 0.46% Total 0.34% 0.22% 0.27% 0.32% Balances ($B; principal) Net Write-offs: • Overall consumer net write-offs increased slightly QoQ from Unsecured Personal Lending due to sustained high interest rates and rising unemployment rates 319 325 325 16 18 19 22 22 22 19 19 19 51 47 46 20 • YoY increases in personal lending were driven by sustained high interest rates and increasing unemployment rates • Cards remained below pre-pandemic levels due to favourable insolvencies performance and the acquired Costco portfolio credit quality 90+ Days Delinquencies: 211 219 • While mortgage delinquencies have increased in-line with expectation, they remain below pre-pandemic levels Q1/23 Q4/23 ■Uninsured Mortgages ■Insured Mortgages ■ HELOC • Credit cards & personal lending QoQ increase is due to seasonality, combined with rising unemployment, and sustained high interest rates 1. CIBC 2. 90+ Days Delinquency Rate - 90+ days delinquencies as a percentage of the gross carrying amount of loans. Net write-off Ratio - Net write-offs as a percentage of average loan balances. 3. Net Write-Offs - Net write-offs include write-offs net of recoveries. 219 Q1/24 Unsecured Personal (including auto lending) Cards 26 46

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