Canadian House Prices and Banking Performance slide image

Canadian House Prices and Banking Performance

Highlights US Commercial Banking & Wealth Management - Strategic priorities to build on our momentum Reported Adjusted 1 (US $MM) Q1/23 YOY QoQ Q1/23 YOY QoQ Revenue 526 10% 9% 526 10% 9% Net interest income 355 16% 3% 355 16% 3% 22 Non-interest income 171 (1%) 25% 171 (1%) 25% Expenses 283 13% 7% 271 14% 8% PPPT² 243 6% 11% 255 5% 10% Provision for Credit Losses 73 $51 (4%) 73 $51 (4%) Net Income 150 (16%) 29% 159 (15%) 27% Loans (Average, $B)3,5 40 12% 1% 40 12% 1% Deposits (Average, $B)5 37 4% 2% 37 4% 2% Net Interest Margin (bps) 354 9 5 354 9 5 AUA4 ($B) 94 (4%) 6% AUM4 ($B) 72 (5%) 6% རྒྱས 94 (4%) 6% ☑ 72 (5%) 6% Growing Commercial Banking by delivering expertise and solutions to meet clients' unique needs Expanding Private Wealth Management with continued focus on high-touch relationships Investing in technology and infrastructure to scale our platform and drive connectivity Q1/23 | Key Highlights 12% / 4% Loan & Deposit Growth 3,5 Robust annual growth 4.8% Annualized Net Flows / AUM6 amidst challenging markets ~$100M M Invested over 12 months $8MM increase over Q1/22 CIBC For footnoted information refer to slide 38. 20 20
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