Q2 2019 Financial Results

Canadian Personal Banking Digital Transformation1 Digital Adoption Rate² 4.4% Active Mobile Users³ (Millions) 29.2% 66.2% 67.7% 2.7 63.3% 2.4 2.1 Q2/17 Q2/18 Q2/19 Banking Centres -4.9% Q2/18 Q2/17 Self-Serve Transactions 4 (%) 3.5% Q2/19 1,096 1,067 88.8% 1,042 87.1% 85.3% Q2/17 Q2/18 Q2/19 1 Excludes Simplii Financial. 2 Digital Adoption Rate calculated using 90-day active users. 3 Active Mobile Users represent the 90-day Active clients in Canadian Personal Banking. 4 Reflect financial transactions only. Q2/17 Q2/18 Q2/19 CIBC 18

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