Canadian Bail-in Regime Update

CIBC Funding Composition Funding Sources -January 20244 Others (Includes Capital² 6% derivatives) 7% Securities sold short or repurchase agreements 12% Wholesale Funding 21% CIBC◇ Funding Sources BN Client Deposits 532.3 Personal deposits 243.3 Business, Bank and Government deposits 288.9 Wholesale Funding 200.1 Unsecured funding¹ 150.2 Securitization & Covered Bonds 49.9 Securities sold short or repurchase agreements 117.3 Others (Includes derivatives) 67.6 Client Deposits 55% Capital² 54.3 Total 971.7 Wholesale market, currency³ BN USD 111.2 CAD 46.9 Other 42.0 Total 200.1 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 excludes subordinated liabilities 3. Currency composition, in Canadian dollar equivalent, of funding sourced by CIBC in the wholesale market 4. Percentages may not add up to 100% due to rounding. Source: CIBC Q1-2024 Quarterly Report. 31

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