Investor Presentaiton

Highlights - US Commercial Banking & Wealth Management Strategic priorities accelerating growth Reported Adjusted¹ (US$MM) Revenue Q3/23 YOY QoQ Q3/23 YOY QoQ 499 5% 5% 499 5% 5% Net Interest Income 358 10% 6% 358 10% 6% Non-Interest Income 141 (5%) 1% 141 (5%) 1% Expenses 258 (1%) (1%) 248 0% 0% PPPT2 241 14% 12% 251 12% 10% Provision for Credit Losses 191 $163 $8 191 $163 $8 Net Income 55 (64%) 38% 62 (62%) 24% Loans (Average, $B) 3,5 41 7% 1% 41 7% 1% Deposits (Average, $B)5 33 (6%) (4%) 33 (6%) (4%) Net Interest Margin (bps) 346 10 5 346 10 5 ☑ AUA4 ($B) 101 9% 7% 101 9% 7% AUM ($B) 76 6% 5% 76 6% 5% CIBC◇ Q3/23 | Key Highlights +14% $2.7B Growing Commercial Banking by delivering expertise and unique solutions to meet clients' needs Expanding Private Wealth Management with continued focus on high-touch relationships and building scale Investing in technology and infrastructure to scale our platform and drive connectivity ~$100MM Cross-LOB Referrals6 Double-digit year-over-year growth Net Flows from New Clients7 Over the last twelve months Invested over 12 months Moderating spend and harvesting investments For footnoted information refer to slide 37. 19

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