Investor Presentation Fourth Quarter 2020

Canadian Personal and Commercial Banking Net Income - Adjusted ($MM)1 Net Interest Margin (bps) 256 256 250 248 244 817 763 829 688 275 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Average Loans & Acceptances² ($B) Average Deposits ($B) 322 325 328 238 67 69 69 19 19 19 13 -11 - -11 81 223 226 229 157 Q4/19 ■RESL 265 279 99 91 174 180 Q3/20 Q4/20 Q4/19 Q3/20 Q4/20 ■Cards ■Other Personal Lending ■Business ■ Personal Deposits ■ Business Deposits CIBC 1 Adjusted results are non-GAAP financial measures. See slide 38 for further details. 2 Loan amounts are stated before any related allowances. Fourth Quarter, 2020 26

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