CIBC Investor Presentation

Financial Highlights: Canadian Personal and Business Banking Adjusted Net Income 1,2 ($B) Adjusted Pre-Provision Earnings 1,2 ($B) $2.55 $2.25 2017 2018 52.6% $4.21 $4.25 $2.46 $3.83 $3.89 $1.97 $0.99 $0.64 $0.91 $0.51 $0.93 $0.20 $0.62 $1.06 2019 2020 2017 2018 2019 2020 Q1 Q2 Q3 Q4 Adjusted Efficiency Ratio 1,2 (%) 51.0% 51.5% 54.1% 2.36% 2.40% NIM² (%) 2.49% 2.44% CIBC 2017 2018 2019 2020 2017 2018 2019 2020 REVITALIZING OUR CONSUMER BUSINESS TO DELIVER SUSTAINABLE, MARKET LEADING PERFORMANCE 1 Adjusted 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 Investor Presentation | 28

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