Large Bank Examination Workshop February 2026

Management’s discussion and analysis

The NSFR is calculated and disclosed using an OSFI-prescribed template, which captures the key quantitative information based on liquidity characteristics unique to the NSFR as defined in the LAR Guideline. As a result, amounts presented in the table below may not allow for direct comparison with the annual consolidated financial statements. a b c d e Unweighted value by residual maturity

No maturity <6 months

6 months to <1 year

Weighted value

>1 year

$ millions, as at October 31, 2024

ASF item 1

Capital

$ 58,771 $

– $

– $ 6,920 $ 65,691

58,771

– –

– –

6,920

65,691

2 3

Regulatory capital

–

–

–

Other capital instruments

4 Retail deposits and deposits from small business customers

185,364 87,975 97,389 190,085 121,408 68,677

58,947 23,521 35,426 211,459

24,111 11,496 12,615 49,925

18,942

266,198 126,063 140,135 238,281 62,626 175,655

9,221 9,721

5 6 7 8 9

Stable deposits

Less stable deposits

Wholesale funding (1)

96,435

3,844

–

–

Operational deposits Other wholesale funding

207,615

49,925

96,435 12,785

Liabilities with matching interdependent assets

– –

1,397

597

–

10 11 12 13 14

Other liabilities

85,653 (2) 12,127 (2)

8,967

NSFR derivative liabilities

–

64,498

122

8,906

8,967

All other liabilities and equity not included in the above categories

Total ASF

579,137

RSF item 15

Total NSFR HQLA

19,860

16 Deposits held at other financial institutions for operational purposes

–

2,981

–

200

1,691

Performing loans and securities

80,260

124,770 16,823

79,780

347,305

417,248

17 18 19

–

2,259

20

1,991

Performing loans to financial institutions secured by Level 1 HQLA Performing loans to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions Performing loans to non-financial corporate clients, loans to retail and small business customers, and loans to sovereigns, central banks and public sector entities, of which: With a risk weight of less than or equal to 35% under the Basel II standardized approach for credit risk With a risk weight of less than or equal to 35% under the Basel II standardized approach for credit risk Securities that are not in default and do not qualify as HQLA, including exchange-traded equities Performing residential mortgages, of which:

1,139

44,057

10,266

21,565

32,740

20

39,782

32,479

31,627

128,385

175,233

21

–

–

–

–

–

18,575

29,498

35,204

189,158

181,518

22 23

18,575

29,423

35,126

183,506

176,637

24

20,764

1,913 1,397

424 597

8,177

25,766

Assets with matching interdependent liabilities

–

12,785

–

25 26 27 28 29 30 31 32 33 34

Other assets

14,719

81,188 (2)

49,381

4,195

3,566

Physical traded commodities, including gold

Assets posted as initial margin for derivative contracts and contributions to default funds of central counterparties

11,522 (2) 9,378 (2)

9,794

–

NSFR derivative assets

35 (2)

1,092

NSFR derivative liabilities before deduction of variation margin posted

10,524

52,414

163

7,676

34,929 15,255

All other assets not included in the above categories

Off-balance sheet items

446,021 (2)

Total RSF

$ 503,435

NSFR

115%

Weighted value

$ millions, as at July 31, 2024

35 36 37

Total ASF Total RSF

$ 569,690 $ 491,722

NSFR

116%

Weighted value

$ millions, as at October 31, 2023

38 39 40

Total ASF Total RSF

$ 563,515 $ 476,312

NSFR 118% (1) In the first quarter of 2024, we implemented the changes related to the treatment of high-interest savings account exchange-traded funds as unsecured wholesale funding sources. (2) No assigned time period per disclosure template design. Our NSFR as at October 31, 2024, decreased to 115% from 116% in the prior quarter, and decreased from 118% in 2023, mainly due to an increase in loans. CIBC considers the impact of its business decisions on the LCR, NSFR and other liquidity risk metrics that it regularly monitors as part of a robust liquidity risk management function. Variables that can impact the metrics month-over-month include, but are not limited to, items such as wholesale funding activities and maturities, strategic balance sheet initiatives, and transactions and market conditions affecting collateral. Reporting of the LCR and NSFR is calibrated centrally by Treasury, in conjunction with the SBUs and other functional groups.

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CIBC 2024 ANNUAL REPORT