First Quarter, 2024 Earnings Report

Business Segment Trends Canadian Banking: Commercial Banking & Wealth Management Revenue ($MM) Net Interest Margin on Average Interest-Earning Assets² 3.49% 3.49% 1,351 1,336 1,350 1,366 1,374 887 883 907 914 925 464 453 443 452 449 Q1/23 Q2/23 Q3/23 ■Net Interest Income Q4/23 Non-Interest Income Average Loans & Deposits ($B)3,4 3.37% 3.35% 685 Non-Interest Expenses ($MM) & Efficiency Ratio (%) €80 675 670 49.2% 665 3.31% 665 680 50.4% 679 49.9% 674 49.7% 673 51.0% 50.5% 50.0% 40.5% 669 40.0% 48.7% 48.5% 48.0% Q1/24 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 Q1/23 Q2/23 Non-Interest Expenses Q3/23 Q4/23 Q1/24 Efficiency Ratio 93 97 94 95 96 96 96 98 7 2 6 2 5 2 95 2 98 2 90 90 92 90 92 91 94 92 93 92 AUM & AUA ($B)5,6 342 362 347 350 332 233 220 224 225 214 Q1/23 Q2/23 Q3/23 ■Commercial Banking Loans ■Commercial Banking Deposits Q4/23 Wealth Management Loans Wealth Management Deposits Q1/24 Q1/23 Q2/23 Q3/23 Q4/23 Q1/24 ■AUA AUM Endnotes are included on slides 49 to 54. CIBC First Quarter, 2024 ROE Reported & Adjusted¹ 21.3% YoY 0% Net Wealth Client Growth? +9% YOY Net Sales (incl. reinvestment income)8 $2.5B (YTD) 31

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