Investor Presentation

Continuous Improvement Driving Shareholder Value Winning at Relationships Growth Metrics 2018 Q1/22 Loans ($B) 382 N 483 Deepening Client Experience Deposits ($B) 461 650 to Drive Growth AUA ($B) 2,304 3,010 S Meeting client needs both sides of the border Efficiency Metrics 2018 Q1/22 JDPOWER Investing in Process Reported Efficiency Ratio Adjusted Efficiency Ratio 57.5% 55.0% 55.6% 53.8% Improvements to Drive Efficiency Sales to Service Ratio¹ 63.3% 67.8% CIBC #1 in Mobile Banking (2nd year in a row) CIBC 1 Sales to Service Ratio is defined as the number of sales or advisory roles divided by the number of service and administrative roles. ☑ W LUI E Deepening Commercial & Strategic Client relationships US CIBC Private Wealth #4 by Barron's (Registered Investment Advisor) COSTCO WHOLESALE Strategic partnership with leading retailer 16

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