Covered Bond Program Overview

CIBC Funding Composition Funding Sources - April 20224 Others (Includes derivatives) 10% Securitization & Covered Bonds 5% Capital² 6% Securities sold short or repurchase agreements 10% Unsecured funding1 17% Funding Sources BN Personal deposits 225.2 Business and government deposits 237.7 Unsecured funding¹ 153.8 Securities sold short or repurchase agreements 88.9 Personal deposits 25% Others (Includes derivatives) 85.5 Capital² 54.2 Securitization & Covered Bonds 48.8 Total 894.1 Wholesale market, currency³ BN USD 104.2 CAD 50.6 Business and government deposits 27% Other Total 40.3 195.1 CIBC 1 Unsecured funding is comprised of wholesale bank deposits, certificates of deposit and commercial paper, bearer deposit notes and bankers' acceptances, senior unsecured EMTN and senior unsecured structured notes 2 Capital includes subordinated liabilities 3 Currency composition, in Canadian dollar equivalent, of funding sourced by CIBC in the wholesale market. Source: CIBC Q2/22 Report to Shareholders 4 Percentages may not add up to 100% due to rounding. Source: CIBC Q2/22 Report to Shareholders. 29

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