Canadian Personal Banking Digital Transformation

Canadian Personal and Commercial Banking Net Income - Adjusted ($MM)1 Net Interest Margin (bps) 258 256 256 250 244 862 763 817 688 275 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Average Loans & Acceptances² ($B) Average Deposits ($B) 320 66 325 325 265 248 234 880000 70 18 19 69 19 13 12 69 91 84 -11 79 223 Q3/19 RESL 224 226 155 164 174 Q2/20 Q3/20 Q3/19 Q2/20 Q3/20 ■Cards ■■Other Personal Lending Business ■ Personal Deposits ■ Business Deposits CIBC 1 Adjusted results are non-GAAP financial measures. See slide 36 for further details. 2 Loan amounts are stated before any related allowances. 26

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