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Investor Presentation

Financial Highlights: Canadian Personal and Business Banking Net Income 1.2 ($B) 2.49 2.50 0.60 0.61 1.79 1.79 0.64 0.64 0.60 0.60 Pre-Provision Pre-Tax Earnings 1,2 ($B) Q3 0800 Q1 3.61 3.62 3.74 3.75 Q2 0.98 0.99 Q4 0800 Q1 Q2 Q3 Q4 0.94 0.94 0.88 0.88 0.65 0.65 0.69 0.70 0.94 0.94 1.03 1.04 2020 2021 Q1/22 2020 2021 Q1/22 Reported Adjusted Reported Adjusted 54.4 54.3 CIBC 2020 Efficiency Ratio 1,2 (%) 54.2 54.0 NIMĀ² (%) 2.35 2.21 52.8 52.2 2.18 2021 Reported Adjusted Q1/22 2020 2021 Q1/22 1 Adjusted results are non-GAAP measures. See non-GAAP section of CIBC's Q1/22 Report to Shareholders. Certain prior period amounts have been revised. 2 Results were affected by economic impacts from COVID-19 pandemic. 23
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