Q2 2023 Financial Results

Highlights - Canadian Personal and Business Banking Reported Adjusted² Strategic priorities accelerating growth ($MM) Q2/23 YOY QoQ Q2/23 YOY QoQ Revenue 2,280 6% 1% 2,280 7% 1% 8° Differentiating with high-touch, personalized advice to win in Affluent Net Interest Income 1,732 9% 1% 1,732 10% 1% Non-Interest Income 548 (2%) (1%) 548 (2%) (1%) Expenses 1,274 6% (1%) 1,268 8% (1%) PPPT1 1,006 6% 4% 1,012 5% 4% ☐ Provision for Credit Losses 123 ($150) ($35) 123 ($56) ($35) Focusing on mass market through digital client experiences to drive simplicity and speed Net Income 637 28% 8% 643 11% 8% Loans (Average, $B)3,4 315 6% 0% 315 6% 0% Deposits (Average, $B)4 218 8% 0% 218 8% 0% ☑ Net Interest Margin (bps) 227 8 11 227 9 11 Increasing productivity and operational excellence to win at client relationships and Q2/23 | Key Highlights +685K Net New Client Growth [LTM]5 +375K excluding co-brand clients +$10B Net Funds Managed [LTM] from franchising new and existing clients6 94% Digital Transactions? Record high number completed digitally CIBC◇ For footnoted information refer to slide 38. 17

View entire presentation