Canadian Bail-in Regime Update

Credit Performance - Gross Impaired Loans Gross impaired loan ratios up YoY and QoQ • Gross impaired loan ratio was flat QoQ, with increases in retail offset by writeoffs in business and government loans New formations remained relatively stable, with an increase in retail offset by a reduction in business and government loans Gross Impaired Loan Ratio² Gross Impaired Loan Ratios Q1/20 Q1/23 Q4/23 Q1/24 Canadian Residential Mortgages 0.30% 0.16% 0.21% 0.25% Canadian Personal Lending 0.37% 0.41% 0.48% 0.53% Business & Government Loans¹ 0.59% 0.46% 0.92% 0.87% CIBC FirstCaribbean 3.80% 0.38% 3.67% 3.62% Total 0.47% 0.36% 0.55% 0.55% New Formations ($MM)² 0.55% 0.55% 0.36% 1,074 1,091 1,089 1,009 721 509 456 573 528 485 232 2,990 2,997 91 582 633 1,942 489 481 501 394 Q1/23 Q4/23 Q1/24 Q4/22 Q1/23 Q2/23 Consumer Q3/23 Business & Govemment Q4/23 Q1/24 Gross Impaired Loans ($MM) Gross Impaired Loan Ratio CIBC 1. Excludes CIBC FirstCaribbean business & government loans. 2. Gross Impaired Loan Ratio - Gross impaired loans as a percentage of the gross carrying amount of loans. The gross carrying amount of loans include certain loans that are measured at FVTPL. 24

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