Fourth Quarter, 2023 Financial Overview

Financial Results Overview Fourth quarter results continue to demonstrate the momentum and resilience of our business Diluted Earnings Per Share Return on Equity Revenue Operating Leverage¹ Reported $1.53 Reported 11.8% Adjusted² $1.57 Adjusted2 12.1% $5.8B +8%/+9% YoY Reported/Adjusted² Reported 9.7% Adjusted 2.3 6.2% PPPT4 $2.4B +26% +18% YoY Reported/Adjusted² PCL Ratio5 Total 40 bps Impaired 35 bps CET1 Ratio 12.4% +65 bps YoY vs. OSFI requirement of 11% (as of Oct/23) Liquidity Coverage Ratio? 135% +6% YOY vs. OSFI requirement of >100% Endnotes are included on slides 58 to 66. CIBC Fourth Quarter, 2023 10

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