CIBC Investor Presentation

CIBC Snapshot (TSE & NYSE: CM) $44B 10MM 44K 12.1% 9.1% #1 MOBILE MARKET-CAP1 CLIENTS1 EMPLOYEES¹ CET1 RATIO1 PRE-PROVISION BANKING APP FOR 7 DIVERSIFIED EARNINGS MIX STRONG CREDIT RATINGS Net Income by Strategic Business Unit4 Net Income Contribution by Region Agency Rating 1,5 18% Moody's Aa2 (Senior A2), Stable 24% $8.2B 42% Pre-Provision 9% Earnings 25% ■ Canadian Personal & Business Banking ■ Canadian Commercial Banking & Wealth Mgmt. ■ U.S. Commercial Banking & Wealth Mgmt. ■Capital Markets -25% 17% U.S. Mid-term Goal S&P A+ (Senior6, BBB+), Stable 65% ■ Canada ■ United States ■ Other Fitch AA (Senior, AA-), Negative DBRS AA (Senior AA(low)), Stable LEADING CANADIAN FINANCIAL INSTITUTION WITH GROWING U.S. BUSINESS Note: All amounts are in Canadian dollars unless otherwise indicated. 1 As of 10/31/2020. 2 As of F2020. 3 As ranked by the Forrester Banking Wave TM: Canadian Mobile Apps, Q4 2020. 42020. Excludes Corporate & Other. 5 Long-term senior debt ratings 6 Subject to conversion under the bank recapitalization "bail-in" regime CIBC CIBC Investor Presentation | 5

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