Strategic Priorities & Financial Overview

Asset yields and funding costs Average Assets ($B) & Yields 1,2,3 3.89% 4.77% 5.17% 5.35% 5.60% Average Liabilities and Equity ($B), & Costs 1,4,5 2.38% 3.28% 3.63% 4.16% 3.86% 962 948 953 933 944 948 953 50 50 933 51 944 52 962 53 213 245 234 209 211 389 384 362 381 391 190 189 196 210 177 3.27% 3.77% 3.79% 4.08% 2.79% 140 2.66% 155 3.48% 166 3.90% 167 171 4.17% 4.37% 526 529 535 5.57% 537 5.78% 539 212 214 4.38% 5.19% 6.04% 2.13% 3.05% 209 3.49% 203 207 3.82% 3.96% 157 0.70% 150 0.88% Q4/22 Q1/23 Q2/23 Loans & Acceptances Securities → Yield on Avg. Interest-Earning Assets Client Deposit Mix (Spot Balances) Q3/23 Other Q4/23 Q4/22 Q1/23 145 0.93% Q2/23 141 140 0.77% 1.19% Q3/23 Q4/23 Notice/Demand - Personal Equity Notice/Demand - Corporate & Commercial Term - Client Cost of Liabilities over Avg. Interest-Earning Assets Other 27% Q4/22 $507B 50% 23% 32% Q3/23 $510B 47% 21% 33% Interest-Bearing Deposits - Notice / Demand Interest-Bearing Deposits - Term CIBC For footnoted information refer to slide 35. Q4/23 $528B 47% 20% Non-Interest-Bearing Deposits • Loan yields continue to expand (YoY and sequentially), capturing rate increases by the Bank of Canada and the Fed Mix shift to higher-cost term deposits largely stabilized; demand and notice deposit betas behaving in aggregate generally as expected with some exceptions in either direction 10

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