Q2 2023 Financial Results

Highlights - US Commercial Banking & Wealth Management Strategic priorities accelerating growth Reported Adjusted¹ (US$MM) Q2/23 YOY QoQ Q2/23 YOY QoQ Revenue 477 2% (9%) 477 Net Interest Income 338 11% (5%) 338 2% 11% (5%) (9%) Non-Interest Income 139 (15%) (19%) 139 (15%) (19%) Expenses 261 3% (8%) 248 4% (8%) PPPT² 216 1% (11%) 229 0% (10%) Provision for Credit Losses 183 $140 $110 183 $140 $110 Net Income 40 (72%) (73%) 50 (67%) (69%) Loans (Average, $B)3,5 41 11% 3% 41 11% 3% Deposits (Average, $B) 5 35 0% (6%) 35 0% (6%) Net Interest Margin (bps) 341 2 (13) 341 2 (13) ☑ AUA4 ($B) 94 2% 0% 94 2% 0% AUM ($B) 73 2% 0% 73 2% 0% Growing Commercial Banking by delivering expertise and unique solutions to meet clients' needs Expanding Private Wealth Management with continued focus on high-touch relationships and building scale Investing in technology and infrastructure to scale our platform and drive connectivity Q2/23 | Key Highlights +10% Cross-LOB Referrals6 Double-digit year-over-year growth $2.6B Net Flows from New Clients Over 12 months ~$100MM Invested over 12 months Flat relative to Q2/22 CIBC◇ For footnoted information refer to slide 39. 21 2

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