CIBC Investor Presentation

Financial Highlights: Canadian Commercial Banking and Wealth Management Adjusted Net Income¹ ($B) Adjusted Pre-Provision Earnings 1,2 ($B) $1.57 $1.77 $1.29 $1.14 $1.29 $1.20 $0.34 $0.32 $0.21 $0.34 2017 2018 2019 2020 2017 2018 Q1 Q2 Q3 Q4 56.3% Adjusted Efficiency Ratio¹ (%) 53.9% 52.3% 2017 2018 2019 52.9% 2.91% 3.04% 2020 2017 $1.92 $1.94 $0.49 $0.49 $0.47 $0.49 2019 2020 NIM² (%) 3.14% 3.17% 2018 2019 2020 DELIVERING GROWTH THROUGH FULL-SERVICE, SOLUTIONS-BASED APPROACH 1 Adj. results are non-GAAP measures. See non-GAAP section of CIBC's 2020 Annual Report. 2 F20 results were affected by economic impacts from COVID-19 pandemic CIBC CIBC Investor Presentation | 30

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