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Company See / Credit Losses PCL / LTV / International Banking PCL / CIBC / Standard & Poor / Record Canadian Banking / Dexia / Total Capital / Liberty Life Insurance Company / Long-Term Mutual Funds / MBIA / Canadian Banking PCL / Impaired Loans ($ millions) PCL / Europe (1) Loans Outstanding Securities / International Banking Specific PCL / / Continent Asia / Europe / / Country United States / Canada / United Kingdom / / Currency USD / / Event Product Issues / Dividend Issuance / / Facility Investment Funds Institute of Canada / / IndustryTerm home equity products / personal products / retail banking operations / retail momentum / bulk insurance / insurance entities / / Organization Deposit Taking Institution / U.S. Securities and Exchange Commission / Investment Funds Institute of Canada / Canadian Bankers Association / / Person Janice Fukakusa / / Position Chief Administrative Officer and Chief Financial Officer / Nixon President and Chief Executive Officer / Broker / manager 9 Expanding High Net Worth and Ultra High Net Worth market share / global high-performing asset manager / analyst / Private / Risk Review Morten Friis Chief Risk Officer Provision / undisputed market leader / / Product M-16 / Loans / / ProvinceOrState Alberta / Quebec / Ontario / / Region Caribbean / northern Europe / / SocialTag 
First Quarter Results March 1, 2012 Financial information is presented on a continuing operations basis, in Canadian dollars and is based on International Financial Reporting Standards (IFRS), unless otherwise indicated.