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Capital Markets & Funding Strategies

Continuous Improvement Driving Shareholder Value Winning at Relationships Growth Metrics 2018 Q2/22 Loans ($B) 382 502 Deepening Client Experience Deposits ($B) 461 665 to Drive Growth AUA ($B) 2,304 2,918 US CIBC Private Wealth #4 by Barron's (Registered Investment Advisor) W E LU Deepening Commercial & Strategic Client relationships simplii FINANCIAL #1 by Ipsos Financial Service Excellence Award 2 Efficiency Metrics 2018 Q2/22 N DOWER Investing in Process Improvements to Drive Efficiency Reported Efficiency Ratio Adjusted Efficiency Ratio 57.5% 57.9% 55.6% 55.8% Sales to Service Ratio¹ 63.3% 66.2% CIBC #1 in Mobile Banking (2nd year in a row) S Meeting client needs both sides of the border Strategic partnership with leading retailer COSTCO WHOLESALE CIBC 1 Sales to Service Ratio is defined as the number of sales or advisory roles divided by the number of service and administrative roles. 2 Simplii is tied for 1st in Ipsos Customer Satisfaction Index 2021 & 2022 Q2 16
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