Investor Presentaiton

Asset yields and funding costs Average Assets ($B) & Yields 1,2,3 3.89% 2.89% 5.17% 5.35% 4.77% Average Liabilities and Equity ($B), & Costs 1,4,5 2.38% 1.28% 3.28% 3.63% 3.86% 948 953 948 953 933 944 900 900 50 50 933 51 944 52 49 245 234 209 211 216 384 389 362 381 368 177 190 189 196 174 2.79% 3.27% 3.77% 3.79% 2.01% 140 118 1.66% 2.66% 155 3.48% 166 167 3.90% 4.17% 203 212 510 3.46% 526 529 4.38% 5.19% 535 5.57% 537 1.09% 2.13% 214 3.05% 209 203 3.49% 3.82% 5.78% 162 0.36% 157 0.70% Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q3/22 Q4/22 150 0.88% Q1/23 145 141 0.93% 0.77% Q2/23 Q3/23 Loans & Acceptances Securities Other Yield on Avg. Interest-Earning Assets Client Deposit Mix (Spot Balances)6 Notice/Demand - Personal Equity Notice/Demand - Corporate & Commercial Cost of Liabilities over Avg. Interest-Earning Assets Term - Client Other 25% Q3/22 $491B 51% 32% 24% Q2/23 $514B 47% 21% 32% Interest-Bearing Deposits - Notice / Demand Interest-Bearing Deposits - Term CIBC◇ For footnoted information refer to slide 36. Q3/23 $510B 47% 21% Non-Interest-Bearing Deposits • Loan yields continue to expand (YoY and sequentially), capturing rate increases by the Bank of Canada and the Fed Despite mix shift to higher-cost term deposits as a result of changes in client behaviour, demand and notice deposit betas behaving generally as expected in response to changes in the environment 11

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