First Quarter, 2024 Earnings Report

Business Segment Trends U.S. Region: Commercial Banking & Wealth Management ($US) Revenue ($MM) Net Interest Margin on Average Interest-Earning Assets² Non-Interest Expenses ($MM) & Efficiency Ratio (%) 400 80.0% 356 340 85.0% 3.54% 526 507 477 499 492 171 141 139 144 161 80.0% ROE 300 283 284 283 271 278 3.49% 261 258 248 248 745.0% 3.46% 250 Reported (0.3)% 70.1% 3.44% 70.0% 200 Adjusted¹ 2.2% 3.41% 65.0% 140 YoY (7)%(5)%1 57.8% 60.0% 355 338 358 348 346 100 54.7% 53.7% 56.2% 51.9% 55.6% 4.0% 50 51.5% 50.0% 51.9% 49.9% 44.0% Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 ■Net Interest Income ■Non-Interest Income Average Loans & Deposits ($B)3,4 Non-Interest Expenses - Reported Efficiency Ratio - Reported AUM & AUA ($B)5,6 Non-Interest Expenses - Adjusted 1 Efficiency Ratio- Adjusted 1 Clients with Private Banking & Wealth? 15% 40 40 37 41 4 41 4 40 4 4 35 33 11 10 9 34 =4 9 44 40 94 36 8 35 36 37 36 35 28 25 25 24 25 Q1/23 Q2/23 Q3/23 ■Commercial Banking Loans ■Interest-Bearing Deposits Endnotes are included on slides 49 to 54. CIBC Q4/23 72 94 73 101 93 76 70 101 78 Q1/24 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 ■AUA AUM Wealth Management Loans ■ Non-Interest-Bearing Demand Deposits First Quarter, 2024 Net Flows from New Clients³ $2.9B (LTM) 33

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