Capital Markets & Funding Strategies

CIBC Funding Strategy and Sources Funding Strategy • CIBC's funding strategy includes access to funding through retail deposits and wholesale funding and deposits • CIBC updates its three-year funding plan on at least a quarterly basis The wholesale funding strategy is to develop and maintain a sustainable funding base through which CIBC can access funding across many different depositors and investors, geographies, maturities, and funding instruments Wholesale Funding Sources Wholesale Market (CAD Eq. 195.1BN), Maturity Profile CIBC Wholesale deposits Canada, U.S. Credit card securitization Canada, U.S. 80 ■Secured Unsecured 26 70 60 50 Global MTN programs Mortgage securitization 孟 40 programs 30 20 20 37 33 23 20 31 21 6 5 4 Less than 1m-3m 3m-6m 6m-12m 1y-2y Over 2y 1m 10 13 Covered Bond program Structured Notes Source: CIBC Q2/22 Report to Shareholders 34

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