Fourth Quarter, 2023 Financial Overview

Our Digital Footprint Growing Digital Adoption & Engagement¹ Digital Adoption Rate² +2% Active Digital Banking Users³ (MM) +10% 85.0% 82.8% Q4/22 Digital Transactions4 (MM) +14% 6.3 Q4/23 Q4/22 68 88 Transactions by Channel4 Digital Channel Usage (# of Sessions, MM) +12% 6.9 301 335 Q4/23 Q4/22 Q4/23 6.5% 5.6% 61 17 93.5% 94.4% 16 72 61 Q4/22 Q4/23 Q4/22 ■ eTransfers ■ Bill Payments ■ Other5 ■Digital Channel Endnotes are included on slides 58 to 66. CIBC◇ Q4/23 ■Non-Digital Channel Fourth Quarter, 2023 38

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