Investor Presentation

Growing digital engagement and adoption¹ Digital Adoption Rate² Active Digital Banking Users³ (MM) 75.5% Q1/21 Digital Transactions4 (MM) 2.0% 77.5% Q1/22 9.2% 126 116 53 48 16 16 52 57 4.3 Q1/21 6.4% 4.6 Transactions by Channel4 7.4% Digital Channel Usage (# of Sessions, MM) 3.8% 248 258 Q1/22 Q1/21 Q1/22 6.8% 92.6% 93.2% Q1/21 Q1/22 ■ eTransfers ■ Bill Payments ■ Other 5 Q1/21 ■Digital Channel Q1/22 ■Non-Digital Channel CIBC 1 Canadian Personal Banking excluding Simplii Financial. 2 Digital Adoption Rate calculated using 90-day active users. 3 Active Digital Users represent the 90-day Active clients in Canadian Personal Banking. 4 Reflect financial transactions only. 5 Other includes transfers and eDeposits. 24 24

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