Canadian House Prices and Banking Performance

A leading Canadian financial institution1 1867 13MM 50K FOUNDED CLIENTS EMPLOYEES² $432MM NET-INCOME (Q1/23) $1,841 MM Adjusted ³ 3.1% ROE4 (Q1/23) 15.5% Adjusted³ 31.6% 11.6% TSR5 (3-YR) CET1 RATIO6 (Q1/23) DIVERSIFIED EARNINGS MIX STRONG CREDIT RATINGS Net Income by Strategic Business Unit (Q1/23)7 Net Income Contribution by Region (Q1/23)7 Agency Rating⁹ Canadian Personal Other Moody's Aa2 (Senior 10, A2), Stable Capital Markets & Business Banking US8 8% 18% 33% 31% S&P A+ (Senior 10, A-), Stable Fitch AA (Senior 10, AA-), Stable Canadian 11% 25% US Commercial & Wealth 74% DBRS AA (Senior 10, AA (low)), Stable Canada Commercial & Wealth CIBC◇ For footnoted information refer to slide 36. 3

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