Fourth Quarter 2022 Financial Highlights

Reconciliation GAAP (reported) to non-GAAP (adjusted) results¹ $MM Canadian Canadian Commercial Personal & Business Banking Banking & Wealth Management U.S. Commercial Banking & Wealth Management (C$) Capital Markets Corporate & Other CIBC Total U.S. Commercial Banking & Wealth Management (US$) Q4/22 Reported net income (loss) 471 469 161 378 (301) 1,185 116 After-tax impact of items of note² 14 12 97 123 9 Adjusted net income (loss)³ 485 469 173 378 (197) 1,308 125 Q3/22 Reported net income (loss) 595 484 193 447 (53) 1,666 152 After-tax impact of items of note² 42 13 3 58 10 Adjusted net income (loss)³ 637 484 206 447 (50) 1,724 162 Q4/21 Reported net income (loss) 597 442 256 378 (233) 1,440 204 After-tax impact of items of note² Adjusted net income (loss) 3 9 - 12 - 112 133 10 606 442 268 378 (121) 1,573 214 Q4/22 Reported non-interest expenses Pre-tax impact of items of note² 1,313 658 356 656 500 3,483 264 25 17 131 173 13 Adjusted non-interest expenses³ 1,288 658 339 656 369 3,310 251 Q3/22 Q4/21 Reported non-interest expenses Pre-tax impact of items of note² Adjusted non-interest expenses³ Reported non-interest expenses Pre-tax impact of items of note² 1,313 670 334 593 273 3,183 261 63 17 3 83 13 1,250 670 317 593 270 3,100 248 1,152 646 296 528 513 3,135 235 Adjusted non-interest expenses³ 12 1,140 - 16 - 152 180 13 646 280 528 361 2,955 222 The quantitative reconciliations for these non-GAAP measures for the years ended October 31, 2022 and October 31, 2021 have been incorporated by reference and can be found in the Non-GAAP measures section on pages 14 to 20 of our 2022 Annual Report, available on SEDAR at www.sedar.com. 1 2 Reflects Items of Note under the 2022 Financial Results Review section of the 2022 Annual Report. 3 This is a non-GAAP measure. See slide 43 for further details. CIBC Fourth Quarter, 2022 44

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