Covered Bond Program Overview

A Leading Canadian Financial Institution $64B 11MM 48K 11.7% REPORTED 5.9% ADJUSTED 8.8% MARKET-CAP1 CLIENTS1 EMPLOYEES CET1 RATIO1 PPPT EARNINGS 5-YR CAGR OUR GOAL Deliver superior client experience and top-tier shareholder returns while maintaining our financial strength OUR PURPOSE To help make our clients' ambitions a reality CIBC TOP SCORING MOBILE BANKING APP 7 OF THE PAST 8 YEARS³ OUR STRATEGIC PRIORITIES ✓ Elevating the client experience in an increasingly digital world Focusing on high-growth, high-touch client segments Investing in future differentiators within faster growing markets Note: All amounts are in Canadian dollars unless otherwise indicated. 1 As of 4/30/2022. 2 Rolling 5-year compound annual growth rate on Pre-Provision Pre-Tax Earnings (PPPT) as of Q2/22. 3 Forrester Digital Experience Review: Canadian Mobile Banking Apps for 2021. 15

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