Q2 2019 Financial Results

8 Adjusted¹ Q2/18 Q1/19 ($MM) Commercial Banking 359 413 Canadian Commercial Banking and Wealth Management Profitable results driven by strong volume growth and expense management • Strong results in Commercial Banking driven by higher fee income and volume growth Q2/19 408 Wealth Management 578 579 595 - Loan balances up 12% YoY Revenue 937 992 1,003 - Deposit balances up 15% YoY Non-Interest Expenses 511 515 530 • Pre-Provision Earnings 426 477 473 Impaired 1 48 25 Performing (5) (2) • Provision for Credit Losses 1 43 23 AUM growth of 7% YoY Operating leverage of 3.2% Provision for Credit Losses: PCL for Impaired: ratio of 17 bps Net Income Reported² 310 319 328 Net Income Adjusted' - 310 319 328 Commercial Banking Wealth Management 55 60 62 274 273 287 53 53 46 165 168 177 Q2/18 Q1/19 Loans & Acceptances ($B) Q2/19 ■Deposits ($B) 1 Adjusted results are Non-GAAP financial measures. See slide 27 for further details. 2 Reported results are on slide 25. 3 Comprises loans and acceptances and notional amount of letters of credit. 4 Assets under management (AUM) are included in assets under administration (AUA). Q2/18 Q1/19 Q2/19 3 AUA ($B)* ■ AUM ($B)* CIBC

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