Fourth Quarter, 2023 Financial Overview

Non-Interest Income Double-digit growth driven by strong trading momentum and higher fees Non-Interest Income by Category ($MM)4 Market-Related Fees4 Transactional Fees4 Reported: $2,614MM 2,722 2,6485 2,647 2,515 2,203 282 670 Underwrit 548 470 594 Trading 35% & Advis. 8% Credit 48% 1,147 1,132 1,143 1,127 1,043 725 752 725 801 770 Q4/22 Q1/23 ■Market-related (excl. trading)1 Q2/23 Q3/23 Q4/23 Trading 2 Transactional 1 ■ Other3 Mutual Fund 24% $1.7B +30% YoY Other 7% Investment Mgmt & Custodial 26% Non-interest income up 20% YoY, or 7% excluding trading • Transactional revenues up 6% YoY driven mainly by higher credit and deposit and payment fees • $770MM +6% YoY Deposit & Payment 30% FX 9% Card 13% Market-sensitive fees excluding trading were up 8% YoY, sustained by higher investment management revenue and foreign exchange gains on Treasury Funding activities, partly offset by weaker underwriting and advisory Trading non-interest income up 111% YoY, and 8% on a sequential basis Endnotes are included on slides 58 to 66. CIBC◇ Fourth Quarter, 2023 14

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