Q2 2023 Financial Results

Growing Digital Adoption and Engagement¹ Digital Adoption Rate² Active Digital Banking Users³ (MM) CIBC +3% 84.2% 81.5% Q2/22 Digital Channel Usage (# of Sessions, MM) +19% Q2/23 5.8 +14% Active Digital Banking Users³ (Existing Personal Banking Clients vs. Co-brand) 90% 78% 6.6 Q2/22 Q2/23 Existing Clients New (Costco) Clients Digital Transactions4 (MM) +15% Transactions by Channel4 6.7% 5.7% 62 53 321 270 18 93.3% 94.3% 16 58 66 Q2/22 Q2/23 Q2/22 Q2/23 Q2/22 Q2/23 ■ eTransfers ■ Bill Payments Other 5 Digital Channel ■Non-Digital Channel For footnoted information refer to slide 39. 18

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