Investor Presentaiton

Highlights - Canadian Personal and Business Banking Strategic priorities accelerating growth Differentiating with high-touch, personalized advice to win in Affluent Reported Adjusted¹ ($MM) Q3/23 YOY QoQ Q3/23 YOY QoQ Revenue 2,412 4% 6% 2,446 6% 7% Net Interest Income 1,898 7% 10% 1,898 8% 10% Non-Interest Income² 514 (7%) (6%) 548 (1%) 0% Expenses 1,303 (1%) 2% 1,296 4% 2% PPPT3 1,109 10% 10% 1,150 8% 14% ☐ Provision for Credit Losses 423 $223 $300 423 $223 $300 Net Income 497 (16%) (22%) 527 (17%) (18%) Loans (Average, $B)4,5 318 3% 1% 318 3% 1% Deposits (Average, $B)5 218 6% 0% 218 6% 0% Net Interest Margin (bps) 238 11 238 10 11 Focusing on mass market through digital client experiences to drive simplicity and speed Increasing productivity and operational excellence to win at client relationships Q3/23 | Key Highlights +590K Net New Client Growth [LTM]7 Continued momentum in client growth $14B Funds Managed Growth [YTD] in Imperial Service 94% Digital Transactions⁹ Record high number completed digitally CIBC For footnoted information refer to slide 36. 15

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