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CIBC Investor Presentation

Growing Digital Engagement and Adoption1 Digital Adoption Rate² 73.2% Q2/20 Digital Transactions4 (MM) 96 2.7% 75.9% Q2/21 24.4% 120 43 16 50 17 53 37 Q2/20 Q2/21 ■ eTransfers ■ Bill Payments ■ Other 5 Active Digital Banking Users³ (MM) 5.9% 4.4 4.1 Q2/20 Transactions by Channel4 8.9% Digital Channel Usage (# of Sessions, MM) 227 10.5% 251 Q2/21 Q2/20 Q2/21 7.4% 91.1% 92.6% Q2/20 ■Digital Channel Q2/21 ■Non-Digital Channel TOP-TIER MOBILE BANKING - A COMPETITIVE ADVANTAGE 1 Canadian Personal Banking excluding Simplii Financial. 2 Digital Adoption Rate calculated using 90-day active users. 3 Active Digital Users represent the 90-day Active clients in Canadian Personal Banking. 4 Reflect financial transactions only. 5 Other includes transfers and eDeposits. CIBC CIBC Investor Presentation | 25
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