Financial Performance and ESG Strategy Update

Growing Digital Engagement and Adoption1 CIBC Digital Adoption Rate² Active Digital Banking Users³ (MM) 6.0% 39.8% Active Digital Banking Users³ (Existing Personal Banking Clients vs. Co-brand) 6.3 93% 82.8% 78% 76.8% 4.5 Q4/21 Digital Channel Usage (# of Sessions, MM) 19.3% Q4/22 Q4/21 Q4/22 Existing Clients New (Costco) Clients Digital Transactions4 Transactions by Channel4 (MM) 12.7% 7.1% 6.5% 61 51 301 16 252 16 92.9% 93.5% 55 61 Q4/21 Q4/22 Q4/21 Q4/22 Q4/21 Q4/22 ■ eTransfers ■ Bill Payments ■ Other5 ■Digital Channel ■Non-Digital Channel For footnoted information refer to slide 37. 17

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