Investor Presentaiton

Highlights - Canadian Commercial Banking & Wealth Management Reported & Adjusted¹ ($MM) Q3/23 YOY QoQ Strategic priorities accelerating growth Revenue 1,350 1% 1% Net Interest Income Non-Interest Income Expenses 443 0% (2%) 907 1% 3% Investing in our platforms to maintain commercial banking momentum & capitalize on wealth management opportunities 674 1% 0% PPPT² 676 1% 2% Provision for Credit Losses 40 $30 ($6) Net Income 467 (4%) 3% Increasing connectivity to attract and deepen high- value relationships Commercial Banking - Loans (Average, $B)³,6 92 6% 0% Commercial Banking - Deposits (Average, $B)6 91 8% 1% Net Interest Margin (bps) 335 (5) (14) Assets Under Administration 4,5 (AUA, $B) 350 5% 1% J Focusing on future differentiators and faster growing sectors Assets Under Management 4,5 (AUM, $B) 225 5% 1% CIBC◇ Q3/23 | Key Highlights 6% / 8% Loan & Deposit Growth 3,6 Continued growth momentum 4.2% Annualized Net Flows7 / AUA from Private Wealth Management $2.6B Annualized Referral Volume Continued stability in volumes For footnoted information refer to slide 37. 18

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