CIBC Investor Presentation

Transforming the Bank through Our Continuous Improvement Journey WHERE WE WERE & WHERE WE ARE TODAY Earnings by Region 2014 Q2 2021 Growth Metrics 2014 Q2 2021 J.D. Power Retail #5 #51 Satisfaction Ranking Diversifying Improving Client Experience to Drive Growth Loans ($B) 268 432 Earnings Growth Canada While Maintaining U.S. Deposits ($B) 325 577 Risk Discipline Other AUA ($MM) 1,703 2,783 75% 69% 6% 20% 19% 11% Efficiency Metrics 2014 Q2 2021 Capital & Liquidity Metrics 2014 Q2 2021 Efficiency Ratio 59.0% 54.9% Investing in Process Improvements to Strong Capital and Liquidity for Challenging CET1 10.3% 12.4% Economic Drive Efficiency Sales to Service Ratio² 50.4% 68.1% Scenarios Liquidity Coverage Ratio (LCR) 129%3 134% CIBC CREATING ENDURING SHAREHOLDER VALUE BY EXECUTING ON OUR LONG-TERM PROFITABLE GROWTH STRATEGY 1 J.D. Power Ranking Canadian Retail Banking Satisfaction Survey for 2021. Result was impacted by COVID-19 pandemic operational issues. 2Sales to Service Ratio is defined as the number of sales or advisory roles divided by the number of service and administrative roles. ³ Regulatory disclosure of Liquidity Coverage Ratio was effective the first quarter after Jan/15. CIBC's Q2/15 LCR was 129%. CIBC Investor Presentation | 11

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