Investor Presentation

Established Competitive Advantages in Faster Growing, Future Differentiators • • • • • • Direct Financial Services Offering digital-first banking services with Simplii, CIBC Investor's Edge, and our Alternate Solutions Group (FX payment solutions) Building deep and loyal relationships with digitally savvy clients who prefer self-serve options Delivering double digit revenue growth through a continued focus on innovation and delivering fintech- like services Agile and modular approach to strategy and technology Leveraging data analytics to enrich the client experience and drive personalized client offerings Simplii's NPS increasing twofold since 2018; leveraging this strong momentum and brand perception to franchise clients and deepen relationships • 514 Innovation Banking Providing capital and strategic advice to the North American innovation economy Strong momentum with annual growth in excess of 100% Growing our team to support new client acquisition and serve the needs of our key sponsor relationships Differentiated cross-border business model, with increased connectivity driving high conversion rates on wealth management referrals Enhancing the client experiences with simpler, streamlined processes • • Renewables and Sustainable Finance Dedicated expertise and finance to support our corporate clients in their sustainability goals О #1 in Canada for sustainable finance Leading franchise to support renewables sector O #1 in Canada and top-10 in North American renewables and advisory Doubled our commitment to mobilizing sustainable finance to a target of $300 billion by 2030 Founding member of Project Carbon, a blockchain- enabled carbon offset marketplace First bank to launch ESG-linked MLGICs CIBC 11

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