Third Quarter 2023 Financial Results Overview

Our Digital Footprint Growing Digital Adoption & Engagement¹ Digital Adoption Rate² +2% Active Digital Banking Users³ (MM) +8% 84.4% 82.4% Q3/22 Digital Transactions4 (MM) +17% Q3/23 6.2 Q3/22 Transactions by Channel4 6.7% Digital Channel Usage (# of Sessions, MM) +13% 335 6.8 296 Q3/23 Q3/22 Q3/23 5.9% 69 58 18 93.3% 94.1% 16 70 60 Q3/22 Q3/23 Q3/22 Q3/23 ■ eTransfers ■ Bill Payments 5 ■ Other ■Digital Channel Non-Digital Channel Endnotes are included on slides 46 to 51. CIBC◇ Third Quarter, 2023 29 29

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