Investor Presentaiton

Strong capital, liquidity and balance sheet position $B Average Loans and Acceptances Q4/19 Q3/20 Q4/20 Q4 Highlights • 396.4 414.9 413.1 Continued capital, liquidity and balance sheet strength Average Deposits 485.6 557.4 568.7 CET1 capital 27.7 30.2 30.9 • CET1 Increase driven by internal capital generation and a net decrease in RWAs 23 bps capital generation from earnings, net of dividends CET1 ratio 11.6% 11.8% 12.1% • RWAs decreased $1.8B QoQ Risk-weighted assets (RWA) 239.9 256.7 254.9 Fully loaded CET1¹ ratio of 11.9% Leverage ratio 4.3% 4.6% 4.7% Liquidity coverage ratio (average) 125% 150% 145% HQLA (average) 119.4 178.0 187.2 CET1 Ratio 11.8% 5 bps 12 bps (6) bps 23 bps 12.1% Q3/20 Earnings net of Dividends RWA Movements (excl. FX and Migration) RWA from Credit Migration Other Q4/20 1 Fully loaded CET1 ratio is based on the CET1 capital excluding the benefit of the ECL transitional arrangement provided by OSFI as announced on March 27, 2020. CIBC Fixed Income Investor Presentation | 17

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