Fourth Quarter, 2023 Financial Overview

Canadian Personal & Commercial Banking 1 Continued loan and deposit growth underlying the Canadian P&C business Net Income ($MM) Net Interest Margin on Average Interest Earning Assets (bps)³ +24% YoY Reported +17% QoQ Reported +22% YoY Adjusted² +14% QoQ Adjusted² 991 996 1027 1033 856 870 1060 1064 903 933 Q4/22 Q1/23 Q2/23 ■Reported ■ Adjusted² Average Loans ($B)4,5 +3% Q3/23 Q4/23 248 247 257 267 267 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Net Interest Margin (bps) Average Deposits ($B)4 +3% 413 421 424 329 335 339 93 96 97 120 121 123 320 325 327 209 214 216 Q4/22 Endnotes are included on slides 58 to 66. CIBC Q3/23 Q4/23 ■ Personal ■ Business6 Fourth Quarter, 2023 Q4/22 Q3/23 Q4/23 ■ Personal ■ Business 39

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