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Capital Markets & Funding Strategies

0.93 0.27 0.26 Financial Highlights: U.S. Commercial Banking and Wealth Management Net Income 1,2 ($B) 0.98 Q1 Pre-Provision Pre-Tax Earnings 1.2 ($B) Q1 Q2 1.14 Q2 Q3 1.07 1.00 Q3 Q4 0.92 0.28 Q4 0.27 0.28 0.28 0.27 0.44 0.27 0.56 0.60 0.38 0.41 0.43 0.22 0.23 0.18 0.19 0.26 0.28 0.27 0.29 0.19 0.20 0.23 0.24 0.28 0.30 0.29 0.31 2020 2021 2022 2020 2021 2022 Reported Adjusted Reported Adjusted Efficiency Ratio 1.2 (%) 55.1 51.1 51.1 48.0 CIBC 2020 2021 Reported Adjusted NIMĀ² (%) 54.1 3.50 51.2 3.35 3.39 Q2/22 2020 2021 Q2/22 1 Adjusted results are non-GAAP measures. See non-GAAP section of CIBC's Q2/22 Report to Shareholders. Certain prior period information has been revised. 2 Results were affected by economic impacts from COVID-19 pandemic. 28
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