First Quarter, 2024 Earnings Report

Non-Interest Income Strong trading activity and higher fees drive growth in non-interest income Non-Interest Income by Category ($MM)4,6 Reported: $2,616MM 2,972 2,724 2,6505 2,650 2,517 848 670 548 470 594 Market-Related Fees4 Transactional Fees4 Underwr 1,147 1,132 1,143 1,127 1,178 & Advis. 8% 752 725 801 770 782 Mutual Fund 22% Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Non-Trading 2,054 2,047 YoY % (2)% 4% 2,102 2% 2,056 7% 2,124 3% ■Trading Market-Related (excl. Trading)² ■ Transactional² = Other³ • Trading 42% $2.0B +12% YoY Other 5% Investment Mgmt & Custodial 23% Credit 47% $782MM +4% YoY FX 10% Deposit & Payment 30% Card 13% Non-interest income up 9% YoY, or 3% excluding trading Transactional revenues up 4% YoY driven mainly by higher credit and deposit and payment fees Market-sensitive fees excluding trading were up 3% YoY, sustained by stronger underwriting and advisory activity and higher investment management fees, partly offset by lower foreign exchange revenue related to treasury activities and mutual fund fees Trading non-interest income up 27% YoY, and 43% on a sequential basis Endnotes are included on slides 49 to 54. CIBC First Quarter, 2024 11

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