Investor Presentation

Wholesale Funding Geography " " CAD 46.6 BN Canada Mortgage Bonds Credit Cards Securitization Medium Term Notes Canadian Dollar Deposits Wholesale Funding By Currency1 EUR 11.2 BN, CHF 2.4 BN, GBP 8.6 BN, NOK: 0.15 BN Covered Bonds Medium Term Notes Certificates of Deposit CIBC " USD 83.2 BN Covered Bond Program Credit Cards Securitization " Medium Term Notes " US Dollar Deposits Credit Cards Securitization 4% Mortgage Securitization 36% Covered Bonds 60% Wholesale Funding By Product1,3 Secured 25% Medium Term Notes 39% JPY 55.0 BN Medium Term Notes HKD 8.5 BN Medium Term Notes " Certificates of Deposit Term Unsecured2 75% Deposits 1% CD and CP 49% " AUD 8.2 BN Covered Bonds Medium Term Notes Certificates of Deposit Sub-debt 4% Bankers Acceptances 7% 1 Source: CIBC Q1-2022 Report to Shareholders 2 "Unsecured" includes Obligations related to securities sold short, Cash collateral on securities lent and Obligations related to securities under repurchase agreements. 3 Percentages may not add up to 100% due to rounding 35

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