Fourth Quarter, 2023 Financial Overview

Medium-Term Objectives Financial performance against our objectives Medium-Term Objectives 1,2 3-Year 5-Year Diluted EPS Growth of 7% - 10% Reported: 7.9% Reported: (2.4)% (CAGR³) Adjusted 4.5: 11.5% Adjusted 45: 1.9% Return on Equity of 16%+ Reported: 13.5% Reported: 13.0% (Average) Adjusted 4.6: 14.9% Adjusted 4.6: 14.4% Reported: (0.6)% Positive Operating Leverage (Average) Reported 9: (1.5)% Adjusted 4.7: 0.0% Adjusted 47: (0.1)% Reported: 55.6% Reported: 52.4% Dividend Payout Ratio of 40% - 50% (Average) Adjusted 48: 45.9% Endnotes are included on slides 58 to 66. CIBC Fourth Quarter, 2023 Adjusted 48: 48.9% 33 33

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