EX-99.B3(D) 5 d91021dex99b3d.htm OTHER PAGES OF CIBC'S 2025 ANNUAL REPORT INCORPORATED IN ANNUAL INFORMATION FORM

Exhibit B.3(d): Other Pages of CIBC’s 2025 Annual Report incorporated in Annual Information Form

| ● |  | “Transfer Agent and Registrar” page 186

| ● |  | “Directors and Board Committees” page 187

Shareholder information

Fiscal Year

November 1st to October 31st

Key Dates

Reporting dates 2026

First quarter results – Thursday, February 26, 2026

Second quarter results – Thursday, May 28, 2026

Third quarter results – Thursday, August 27, 2026

Fourth quarter results – Thursday, December 3, 2026

Annual Meeting of Shareholders 2026

CIBC’s Annual Meeting of Shareholders will be held on April 16, 2026. For more details, please visit our Annual Meeting webpage at https://www.cibc.com/en/about-cibc/investor-relations/annual-meeting.html.

Common shares of CIBC (CM) are listed on the Toronto Stock Exchange and the New York Stock Exchange. Preferred shares are listed on the Toronto Stock Exchange.

Dividends

Quarterly dividends were paid on CIBC common and preferred shares in 2025:

Common shares

Record date |  | Payment date |  | Dividends per share |  | Number of common shares on record date
Sep 29/25 |  | Oct 28/25 |  | $0.97 |  | 928,768,222
Jun 27/25 |  | Jul 28/25 |  | $0.97 |  | 931,638,836
Mar 28/25 |  | Apr 28/25 |  | $0.97 |  | 938,188,664
Dec 27/24 |  | Jan 28/25 |  | $0.97 |  | 942,347,049

Preferred shares

Stock |  |  |  | Series 47 |  | Series 56 |  | Series 57 |  | Series 61
Ticker symbol |  |  |  | CM.PR.S |  | n/a |  | n/a |  | n/a
Quarterly dividend |  |  |  | $0.367375 |  | n/a |  | n/a |  | n/a
Semi-annual dividend |  |  |  | n/a |  | $36.825000 |  | $36.685000 |  | $31.845000

2026 dividend payment dates

(Subject to approval by the CIBC Board of Directors)

Record dates |  | Payment dates
December 29, 2025 |  | January 28, 2026
March 27, 2026 |  | April 28, 2026
June 29, 2026 |  | July 28, 2026
September 28, 2026 |  | October 28, 2026

Eligible dividends

CIBC designates any and all dividends paid or deemed for Canadian federal, provincial or territorial income tax purposes to be paid on or after January 1, 2006 to be “eligible dividends”, unless otherwise indicated in respect of dividends paid subsequent to this notification, and hereby notifies all recipients of such dividends of this designation.

Normal course issuer bid

CIBC is conducting a normal course issuer bid to purchase common shares for cancellation in the open market at market price until the earlier of: (i) CIBC purchasing 20 million common shares: (ii) CIBC providing a notice of termination, or (iii) September 9, 2026. A copy of the Notice of Intention to Make a Normal Course Issuer Bid that CIBC filed with the Toronto Stock Exchange may be obtained without charge by contacting the Corporate Secretary.

Regulatory capital

Information on CIBC’s regulatory capital instruments and regulatory capital position may be found at https://www.cibc.com/en/about-cibc/investor-relations/regulatory-capital-instruments.html.

Credit ratings

Credit rating information can be found on pages 75–76 in this Annual Report.

Shareholder investment plan

All Canadian and U.S. resident registered holders of CIBC common shares and designated Class A preferred shares may participate in one or more of the following options and pay no brokerage commissions or service charges:

Dividend reinvestment option – Canadian residents may have dividends reinvested in additional CIBC common shares.

Share purchase option – Canadian residents may purchase up to $50,000 of additional CIBC common shares during the fiscal year.

Stock dividend option – U.S. residents may elect to receive stock dividends on CIBC common shares.

Further information is available through TSX Trust Company and on the CIBC website at www.cibc.com.

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Transfer agent and registrar

For information relating to shareholdings, shareholder investment plan, dividends, direct dividend deposit, dividend reinvestment accounts and lost certificates, or to eliminate duplicate mailings of shareholder material, please contact:

TSX Trust Company, 301-100 Adelaide St. West, Toronto, ON M5H 4H1,

416 682-3860 or 1 800 387-0825 (Canada and the U.S. only), fax 416-361-0470, Email: shareholderinquiries@tmx.com,

website: www.tsxtrust.com.

Common and preferred shares are transferable in Canada at the offices of our agent, TSX Trust Company, in Toronto, Montreal, Calgary and Vancouver.

In the U.S., common shares are transferable at:

Computershare Inc., By Mail: P.O. Box 43078 Providence, RI 02940; By Overnight Delivery: 150 Royall St., Canton, MA 02021, 1 800-522-6645, website: www.computershare.com/investor.

Registered shareholders can opt to have their shares recorded electronically in the Direct Registration System (DRS). Please contact our transfer agent for details.

How to reach us:

CIBC Head Office 81 Bay Street, CIBC SQUARE, Toronto, Ontario, Canada M5J 0E7 SWIFT code: CIBCCATT Website: www.cibc.com |  | Investor Relations Email: Mailbox.InvestorRelations@cibc.com |  | Corporate Secretary Email: corporate.secretary@cibc.com |  | Client Complaint Appeals Office (CCAO) Toll-free across Canada: 1-888-947-5207 Email: mailbox.clientcomplaintappeals@cibc.com

CIBC Telephone Banking Toll-free across Canada: 1 800 465-2422 |  | Communications and Public Affairs Email: Mailbox.Communications@cibc.com |  | Client Care Toll-free across Canada: 1 800 465-2255 Email: client.care@cibc.com |  |

Where to find more information

CIBC Annual Report 2025

Additional print copies of the Annual Report will be available in March 2026 and may be obtained by emailing Mailbox.InvestorRelations@cibc.com. The Annual Report is also available online at www.cibc.com/ca/investor-relations/annual-reports.html.

Des exemplaires supplémentaires du Rapport annuel seront disponibles en mars 2026 et peuvent être commandés par courriel à relationsinvestisseurs@cibc.com. Le Rapport annuel est aussi disponible à l’adresse www.cibc.com/ca/investor-relations/annual-reports-fr.html.

CIBC Sustainability Report and Public Accountability Statement 2025

This report reviews our economic, environmental, social and governance activities over the past year and will be available in March 2026 at https://www.cibc.com/en/about-cibc/corporate-responsibility.html.

Management Proxy Circular 2026

The Management Proxy Circular contains information for shareholders about CIBC’s annual meeting, including information relating to the election of CIBC’s directors, appointment of auditors and shareholder proposals, as well as other matters. The 2026 Proxy Circular will be available in March 2026 at www.cibc.com.

Corporate Governance

CIBC’s Statement of Corporate Governance Practices describes the governance framework that guides the Board and management in fulfilling their obligations to CIBC and our shareholders. This statement and other information on Corporate Governance at CIBC, including our CIBC Code of Conduct for all employees and Directors, can be found on our corporate website at www.cibc.com/ca/inside-cibc/governance/governance-practices.html.

Regulatory Filings

In Canada with the Canadian Securities Administrators at www.sedarplus.com.

In the U.S. with the U.S. Securities and Exchange Commission at www.sec.gov/edgar.shtml.

Incorporation

Canadian Imperial Bank of Commerce (CIBC) is a diversified financial institution governed by the Bank Act (Canada). CIBC was formed through the amalgamation of The Canadian Bank of Commerce and Imperial Bank of Canada in 1961.

The Canadian Bank of Commerce was originally incorporated as Bank of Canada by special act of the legislature of the Province of Canada in 1858. Subsequently, the name was changed to The Canadian Bank of Commerce and it opened for business under that name in 1867. Imperial Bank of Canada was incorporated in 1875 by special act of the Parliament of Canada and commenced operations in that year.

Trademarks

Trademarks used in this Annual Report which are owned by Canadian Imperial Bank of Commerce, or its subsidiaries in Canada and/or other countries include, “Adapta”, “Ambition”, “Ambitions Made Real”, “Aventura”, “CIBC Agility”, “CIBC Bank USA Smart Account”, the CIBC logo, “CIBC CRTeX”, “CIBC eAdvantage”, “CIBC ForeignCash Online”, “CIBC Global Money Transfer”, “CIBC GoalPlanner”, “CIBC Investor’s Edge”, “CIBC Miracle Day”, “CIBC Mobile Banking”, “CIBC Private Wealth”, “CIBC Smart”, “CIBC Smart Planner”, “CIBC SmartBanking”, “Simplii Financial” and “Wood Gundy”. All other trademarks mentioned in this annual report which are not owned by Canadian Imperial Bank of Commerce or its subsidiaries are the property of their respective owners.

CIBC 2025 ANNUAL REPORT |  |  | 186 |

Board of Directors:

Katharine B. Stevenson Chair of the Board CIBC Corporate Director Toronto, Ontario, Canada Joined in 2011 |  | Ammar Aljoundi (RMC) President and Chief Executive Officer Agnico Eagle Mines Limited Toronto, Ontario, Canada Joined in 2022 |  | Nanci E. Caldwell (CGC – Chair, MRCC, TC) Corporate Director Woodside, California, U.S.A. Joined in 2015 |  | Michelle L. Collins (AC) President Cambium LLC Chicago, Illinois, U.S.A. Joined in 2017
Harry Culham President and Chief Executive Officer CIBC Toronto, Ontario, Canada Joined in 2025 |  | Marianne Harrison (AC, RMC) Corporate Director Dover, New Hampshire, U.S.A. Joined in 2025 |  | Kevin J. Kelly (MRCC – Chair, CGC) Corporate Director Toronto, Ontario, Canada Joined in 2013 |  | Christine E. Larsen (MRCC, TC) Corporate Director Montclair, New Jersey, U.S.A. Joined in 2016
Mary Lou Maher (AC – Chair, CGC) Corporate Director Toronto, Ontario, Canada Joined in 2021 |  | William F. Morneau (TC – Chair, CGC, RMC) Corporate Director Toronto, Ontario, Canada Joined in 2022 |  | Mark W. Podlasly (AC, RMC) Chief Executive Officer First Nations Major Projects Coalition Vancouver, B.C., Canada Joined in 2023 |  | François L. Poirier (RMC) President and Chief Executive Officer TC Energy Corporation Calgary, Alberta, Canada Joined in 2024
Martine Turcotte (AC, MRCC) Corporate Director Verdun, Québec, Canada Joined in 2014 |  | Barry L. Zubrow (RMC – Chair, CGC, TC) Chief Executive Officer ITB LLC West Palm Beach, Florida, U.S.A. Joined in 2015 |  |  |  |

AC – Audit Committee

CGC – Corporate Governance Committee

MRCC – Management Resources and Compensation Committee

RMC – Risk Management Committee

TC – Technology Committee

187 |  | CIBC 2025 ANNUAL REPORT