First Quarter, 2024 Earnings Report

Business Segment Trends Growing Digital Adoption & Engagement in Canadian Personal Banking1 Digital Adoption Rate² Active Digital Banking Users³ (MM) 85.8% Digital Channel Usage (# of Sessions, MM) 83.6% 374 اس اس اس Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Digital Transactions4 (MM) 163 157 157 145 146 Transactions by Channel4 Digital Sales 70 69 68 34.8% 62 62 6.0% 5.7% 5.9% 5.6% 5.2% 17 17 18 18 17 65 66 70 72 76 94.0% 94.3% 94.1% 94.4% 94.8% 38.2% 36.9% 32.1% 32.3% Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 ■ eTransfers ■ Bill Payments Other5 ■Digital Channel ■Non-Digital Channel Endnotes are included on slides 49 to 54. CIBC First Quarter, 2024 Awards & Recognition Ranked #1 for overall satisfaction in mobile banking by J.D. Power for the third year Ranked #1 for mobile banking experience by the Surviscor Consumer Mobile Banking Experience Review for the sixth time in seven years Ranked #1 in the Canadian Mobile & Online Banking Scorecard by Javelin across 180 different functionalities 30 30

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