Q1 Financial Review

Canadian Personal and Commercial Banking Net Income - Adjusted ($MM)1 0% Net Interest Margin (bps) 251 249 862 815 817 760 763 258 256 256 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Average Loans & Acceptances² ($B) Average Deposits ($B) 2% 8% 318 322 323 226 238 243 64 67 68 17 -13 19 -13 19 75 81 83 -13 224 Q1/19 ■RESL CIBC 223 Q4/19 ■Cards ■ Other Personal Lending 223 151 157 160 Q1/20 Q1/19 Q4/19 ■Business Personal Deposits 1 Adjusted results are non-GAAP financial measures. See slide 28 for further details. 2 Loan amounts are stated before any related allowances. Q1/20 ■■Business Deposits 20 20

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