Strategic Priorities & Financial Overview

Highlights US Commercial Banking & Wealth Management - Reported Adjusted¹ Strategic priorities accelerating growth (US$MM) Revenue F23 YOY F23 YOY 1,994 5% 1,994 5% Net Interest Income 1,399 9% 1,399 9% 22 Building and deepening client relationships Non-Interest Income 595 (4%) 595 (4%) Expenses 1,086 6% 1,045 7% PPPT² 908 4% 949 2% Strengthening and diversifying our deposit base Provision for Credit Losses 630 461 630 461 Net Income 280 (52%) 310 (51%) Loans (Average, $B)3,4 40 8% 40 8% Deposits (Average, $B)4 35 (2%) 35 (2%) Improving efficiency and capabilities through data and technology Net Interest Margin (bps) 346 4 346 4 Assets Under Administration5 ($B) Assets Under Management 5 ($B) 37 93 5% 93 5% 70 3% 770 3% Advancing the growth and transformation of our business F23 | Key Highlights 35% $2.7B ~$120 MM Cross-LOB Referrals in F236 versus 10% in F22 Net Flows from New Clients7 I over the last twelve months Invested over the Year Investments in people, technology, infrastructure CIBC For footnoted information refer to slide 36. 18

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