Investor Presentaiton

Highlights - Capital Markets Reported & Adjusted¹ ($MM) Q3/23 YOY QoQ Revenue² 1,355 13% (1%) Non-Trading Net Interest Income 500 6% 5% Non-Trading Non-Interest Income 336 20% 6% Trading Revenue 519 16% (9%) Expenses 673 13% 1% PPPT³ 682 13% (2%) Provision for Credit Losses 6 $15 ($13) Net Income 494 11% (1%) Loans (Average, $B)4,5 71 11% 1% Deposits (Average, $B) 5 117 19% (3%) Q3/23 | Key Highlights +165K Strategic priorities accelerating growth +13% Leverage our leading platform, capabilities and expertise in Canada to grow with our clients Expand our franchise in the US, to continue delivering double-digit growth Focus on connectivity to accelerate Direct Financial Services and deepen relationships across our bank +26% Net New Client Growth [LTM]6 in Simplii Financial U.S. Revenue Growth $112MM increase over YTD Q3/22 DFS Revenue Growth Driven by Simplii Financial & ASG7 CIBC◇ For footnoted information refer to slide 37. 20 20

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