CIBC Investor Presentation

CIBC Snapshot¹ (TSE & NYSE: CM) CIBC TOP-TIER MOBILE $57B 10MM 44K 12.4% 9.0% MARKET-CAP² CLIENTS² EMPLOYEES¹ CET1 RATIO² PPPT (5-yr CAGR)³ BANKING APP - 7 CONSECUTIVE YEARS4 DIVERSIFIED EARNINGS MIX Net Income by Strategic Business Unit5 29% 35% 13% 23% ■ Canadian Personal & Business Banking ■ Canadian Commercial Banking & Wealth Mgmt. ■U.S. Commercial Banking & Wealth Mgmt. ■Capital Markets STRONG CREDIT RATINGS Net Income Contribution by Region Agency Rating2,6 11% Moody's Aa2 (Senior A2), Stable 20% -25% U.S. Mid-term Goal S&P A+ (Senior7, BBB+), Stable 69% ■ Canada ■ United States ■ Other Fitch AA (Senior7, AA-), Negative DBRS AA (Senior AA(low)), Stable LEADING CANADIAN FINANCIAL INSTITUTION WITH GROWING U.S. BUSINESS Note: All amounts are in Canadian dollars unless otherwise indicated. 1 All financial results are non-GAAP measures. See non-GAAP section of CIBC's Q2/21 Report to Shareholders 2As of 4/30/2021. 3 Rolling 5-year compound annual growth rate on Pre-Provision Pre-Tax Earnings (PPPT) as of Q2/21. 4 As ranked by the Forrester Banking Wave™: Canadian Mobile Apps, Q4 2020. 5 Q2 2021. Excludes Corporate & Other. 6 Long-term senior debt ratings Subject to conversion under the bank recapitalization "bail-in" regime CIBC Investor Presentation | 5

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