Investor Presentaiton

Growing Digital Adoption and Engagement¹ Digital Adoption Rate² Active Digital Banking Users³ (MM) +2% 82.4% 84.4% Q3/22 Q3/23 Digital Transactions4 (MM) +17% 69 6.2 Q3/22 +8% Transactions by Channel4 6.7% Digital Channel Usage (# of Sessions, MM) +13% 335 6.8 296 Q3/23 Q3/22 Q3/23 5.9% 58 18 93.3% 94.1% 16 70 60 Q3/22 Q3/23 Q3/22 ■ eTransfers ■ Bill Payments ■ Other5 ■Digital Channel CIBC For footnoted information refer to slide 37. Q3/23 Non-Digital Channel 16

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