Q2 2023 Financial Results

Notes on slides 3-11 Slide 3 - A leading Canadian financial institution All results are in Canadian dollars unless otherwise indicated. Global regular head count for CIBC. This excludes FCIB, temporary employees and contingent workers. For additional information on the composition, see the "Glossary" section on pages 51-57 in the Q2/23 Report to Shareholders, available on SEDAR at www.sedar.com. 1. 2. 3. 4. TSR is calculated based on common share price appreciation plus reinvested dividend income as at April 30, 2023. 5. 6. 7. Includes revenue from US Commercial Banking & Wealth Management, and revenue from Capital Markets operations in the US. 8. 9. Calculated pursuant to Office of the Superintendent of Financial Institutions (OSFI) Capital Adequacy Requirements (CAR) Guideline, which is based on Basel Committee on Banking Supervision (BCBS) standards. Corporate & Other not included in total NIAT. Moody's Long-Term Deposit and Counterparty Risk Assessment Rating; S&P issuer Credit Rating; Fitch Long-Term Deposit Rating and Derivative Counterparty Rating; DBRS Long-Term Issuer Rating as at Q2/23. Subject to conversion under the bank recapitalization "bail-in❞ regime. Slide 5 - Our disciplined approach to resource allocation continues to drive profitable growth 1. 2. 3. 4. 5. Slide 6 1. 2. 3. Reflects referrals over a twelve-month period Apr/22 to Mar/23. Net incremental funds managed from Personal clients by Personal & Business Banking, which include loans and acceptances, deposits, and AUA/investments. Based on the 2023 Private Asset Management Awards. Reflects CIBC's collaboration with Export Development Canada (EDC) towards a new sustainable finance offering. The Sustainable Finance Guarantee (SFG) pilot program is a risk-sharing solution aimed at helping with lending activities that contribute to decarbonizing the economy, and will provide up to $1 billion in financing over the next three years. Applications migrated to the Cloud cover our hybrid strategy of private, public and external SaaS/AMS Cloud services. - Robust operational framework underpinning strength and stability of our bank... Our capital ratios are calculated pursuant to OSFI's Capital Adequacy Requirements (CAR) Guideline, which is based on BCBS standards. For additional information, see the "Capital management" section in the Q2/23 Report to Shareholders, available on SEDAR at www.sedar.com. LCR is calculated pursuant to OSFI's Liquidity Adequacy Requirements (LAR) Guideline, which is based on BCBS standards. For additional information, see the "Liquidity risk" section in the Q2/23 Report to Shareholders, available on SEDAR at www.sedar.com. See note 3 on slide 42. Slide 7...and providing the foundation to deliver sustainable outperformance through the cycle 1. 2. We have set through the cycle targets for each of these measures, which we currently define as three to five years, assuming a normal business environment and credit cycle. Based on adjusted measures. See the non-GAAP section on slide 41. Slide 8 - Furthering our ESG strategy by putting our ambitions into action 1. 2. 3. Source: Inframation. For transactions that closed from January 1, 2022 to December 31, 2022 (North American Renewables League Tables). Refer to footnotes in Section 1.3 of CIBC's Sustainability Report 2022, ESG scorecard for more information. Our Independent Assurance and Verification Statements can be found on our website at www.cibc.com. Slide 9 - External recognition for our commitment to sustainability 1. Ratings are not a recommendation to make an investment in any security of CIBC and may be revised or withdrawn at any time by the issuing organization. Slide 11 Investments in top-line growth delivering for shareholders 1. 2. 3. For additional information on the composition, see the "Glossary" section on pages 51-57 in the Q2/23 Report to Shareholders, available on SEDAR at www.sedar.com. All per common share amounts reflect the two for one common share split effective May 13, 2022, and prior periods have been restated for comparative purposes. Adjusted results are non-GAAP measures. For additional information see slide 41. CIBC 37

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