Investor Presentaiton

CIBC Funding Strategy and Sources Funding Strategy CIBCO • 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. 200.9BN), Maturity Profile 80 Wholesale deposits Canada, U.S. Credit card securitization Canada, U.S. ■Secured ■ Unsecured 70 60 31 50 Global MTN programs Mortgage securitization 贡 40 programs 30 20 44 19 37 19 28 10 8 Covered Bond program Structured Notes 8 4 1 2 Less than 1m-3m 3m-6m 6m-12m 1y-2y Over 2y 1m Source: CIBC Q3-2023 Report to Shareholders 23

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