Strategic Priorities & Financial Overview

Growing Digital Adoption and Engagement¹ CIBC Digital Adoption Rate² Active Digital Banking Users³ (MM) +2% +10% 82.8% 85.0% Q4/22 Digital Transactions4 (MM) +14% Q4/23 68 6.3 Q4/22 Transactions by Channel4 Digital Channel Usage (# of Sessions, MM) +12% 6.9 301 335 Q4/23 Q4/22 Q4/23 6.5% 5.6% 61 17 93.5% 94.4% 16 Ax 72 61 Q4/22 Q4/23 Q4/22 eTransfers ■ Bill Payments Other 5 Digital Channel For footnoted information refer to slide 36. Q4/23 Non-Digital Channel 15

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