Q2 2023 Financial Results

Notes on slides 18-22 Slide 18 Growing digital adoption and engagement 1. 2. 3. 4. 5. Canadian Personal Banking only, excluding Simplii Financial. Based on spot balances as at April 30 for the respective periods. Digital Adoption (Penetration) Rate represents the percentage share of Digital Registered Customers who have been engaged on CIBC Online Banking and/or CIBC Mobile Banking at least once in the last 90 calendar days out of all Canadian Personal Banking customers engaged across any channel. Active Digital Users represent the 90-day Active clients in Canadian Personal Banking. Reflects financial transactions only. Other includes transfers and eDeposits. Slide 19 Loan & Deposit Highlights - Canadian Personal & Business Banking 1. 2. All figures represent average balances. Average balances are calculated as a weighted average of daily closing balances. Loan amounts are stated before any related allowances. Slide 20 Highlights - Canadian Commercial Banking & Wealth Management 1. 2. 3. 4. Adjusted results are non-GAAP measures. See slide 41 for further details. Pre-provision, pre-tax earnings is revenue net of non-interest expenses and is a non-GAAP measure. See slide 41 for further details. Comprises loans and acceptances and notional amount of letters of credit. Loan amounts are stated before any related allowances. Assets under management (AUM) are included in assets under administration (AUA). 5. For additional information on the composition, see the "Glossary" section on pages 51-57 in the Q2/23 Report to Shareholders, available on SEDAR at www.sedar.com. Loan and deposit growth is calculated using average balances. Average balances are calculated as a weighted average of daily closing balances. 56980 6. 7. 8. Annual net flows are calculated based on net investment sales from Private Wealth Management and include the impact of reinvested income. A referral is defined as a single opportunity received by one line of business, from another line of business. The opportunity could be for an existing client of the referring party, or a new client to the Bank. Slide 21 Highlights - U.S. Commercial Banking & Wealth Management 1234 3. 56 - Adjusted results are non-GAAP measures. See slide 41 for further details. Pre-provision, pre-tax earnings is revenue net of non-interest expenses and is a non-GAAP measure. See slide 41 for further details. Loan amounts are stated before any related allowances or purchase accounting adjustments. Assets under management (AUM) are included in assets under administration (AUA). Includes certain Canadian Commercial Banking and Wealth Management assets that U.S. Commercial Banking and Wealth Management provides sub-advisory services for. Loan and deposit growth is calculated using average balances. Average balances are calculated as a weighted average of daily closing balances. Metric refers to referrals made across lines of business (LOB) within the US Commercial and Wealth Management segment. Slide 22 Highlights - Capital Markets 1. Adjusted results are non-GAAP measures. See slide 41 for further details. 2. Revenue is reported on a taxable equivalent basis (TEB). TEB adjustment in Q2/23 was $64 million. 3. 23456 5. Pre-provision, pre-tax earnings is revenue net of non-interest expenses and is a non-GAAP measure. See slide 41 for further details. Loan amounts are before any related allowances or purchase accounting adjustments. Loan and deposit growth is calculated using average balances. Average balances are calculated as a weighted average of daily closing balances. Includes net client acquisition from Simplii Financial over the last twelve months (LTM) - May/22 to April/23. CIBC 39

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