Q2 2019 Financial Results

Corporate and Other Adjusted¹ Q2/18 Q1/19 Q2/19 ($MM) International Banking 185 197 199 Other 25 26 (14) Revenue² 210 223 185 Non-Interest Expenses 256 268 293 Pre-Provision Earnings (46) (45) (108) Impaired 1 8 5 Performing 5 (3) (13) Provision for (reversal of) Credit Losses 6 5 (8) Net Income (Loss) - Reported³ 38 31 8 Net Income (Loss) - Adjusted¹ 58 37 3 256 268 293 210 223 185 Q2/18 Q1/19 Revenue ■Expense Q2/19 1 Adjusted results are Non-GAAP financial measures. See slide 27 for further details. 2 Revenue is reported on a taxable equivalent basis (TEB). 3 Reported results are on slide 25. • Strong revenue growth in CIBC FirstCaribbean Lower Treasury revenue Expense growth reflecting strategic investments Provision for Credit Losses: Release in performing in CIBC FirstCaribbean CIBC 11

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