Canadian Personal Banking Digital Transformation

Third Quarter 2020 Key Performance Measures EPS Pre-Provision Earnings² Efficiency Ratio CET1 Ratio Reported $2.55 Reported $2.0B Reported 57.4% 11.8% +36 bps YoY Adjusted¹ $2.71 -13% YoY Adjusted¹ $2.1B +1% YoY 54.8% Adjusted¹ -60 bps YoY ROE Dividend Payout Ratio PCL Ratio –Trailing 12 Months Allowance for Credit Losses as a % of Total Loans Reported 12.1% Reported 67.5% Total 50 bps +21 bps YoY 0.86% +38 bps YoY Adjusted¹ 12.9% Adjusted¹ 59.6% Impaired 29 bps +2 bps YoY CIBC 2 1 Adjusted results are non-GAAP financial measures. See slide 36 for further details. Pre-provision earnings is revenue net of non-interest expenses and is a non-GAAP measure. See slide 36 for further details. 4

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