Canadian House Prices and Banking Performance

Growing Digital Adoption and Engagement¹ Digital Adoption Rate² Active Digital Banking Users³ (MM) CIBC +6% +42% Active Digital Banking Users³ (Existing Personal Banking Clients vs. Co-brand) 91% 83.6% 78% 6.5 77.5% 4.6 Q1/22 Digital Channel Usage (# of Sessions, MM) +24% Q1/23 Q1/22 Q1/23 Existing Clients New (Costco) Clients Digital Transactions4 (MM) +15% 62 Transactions by Channel4 6.7% 6.0% 53 318 17 93.3% 94.0% 258 16 57 65 Q1/22 For footnoted information refer to slide 37. Q1/23 Q1/22 Q1/23 Q1/22 Q1/23 ■ eTransfers ■ Bill Payments ■ Other5 ■ Digital Channel ■Non-Digital Channel 17

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