Investor Presentation

High-Quality, Client-Driven Balance Sheet Assets Liabilities & Equity $861B Cash & Repos 35% 125% Coverage Unsecured Funding Liquid Assets Trading & Investment (Liquid Assets/ Wholesale Funding) Secured Funding³ Securities Residential Mortgages1 55% Loan Portfolio Other Retail Loans 116% Coverage (Deposits + Capital / Loans) Corporate Loans 10% Other Assets² Mainly Derivatives Personal Deposits 28% Wholesale Funding Business & Gov't 64% Capital + Client-related Funding Deposits Securitization & Covered Bonds Capital Other Liabilities² 8% Mainly Derivatives CIBC 1 Securitized agency MBS are on balance sheet as per IFRS. 2 Derivatives related assets, are largely offset by derivatives related liabilities. Under IFRS derivative amounts with master netting agreements cannot be offset and the gross derivative assets and liabilities are reported on balance sheet. 3 Includes obligations related to securities sold short, cash collateral on securities lent and obligations related to securities under repurchase agreements. 33

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