Capital Markets & Funding Strategies

Growing digital engagement and adoption1 Digital Adoption Rate² 4.5% Active Digital Banking Users³ (MM) 33.4% 79.7% 4.4 75.2% Q2/21 Digital Transactions4 (MM) Q2/22 Q2/21 Transactions by Channel 4 6.7% 127 7.4% 119 53 50 17 16 53 58 Digital Channel Usage (# of Sessions, MM) 5.8 251 7.7% 270 Q2/22 Q2/21 Q2/22 6.7% 92.6% 93.3% Q2/21 Q2/22 Q2/21 Q2/22 5 ■ eTransfers ■ Bill Payments ■ Other ■Digital Channel ■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

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