Q2 2023 Financial Results

CIBC funding strategy and sources Funding Strategy • 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. 198.2BN), Maturity Profile CIBCO 80 Wholesale deposits Canada, U.S. Credit card securitization Canada, U.S. 函 40 Mortgage securitization Global MTN programs programs 50 30 825232 ■Secured ■ Unsecured 70 60 31 20 34 39 27 28 16 10 12 4 1 4 Covered Bond program Structured Notes Less than 1m-3m 3m-6m 6m-12m 1y-2y Over 2y 1m Source: CIBC Q2-2023 Report to Shareholders 25

View entire presentation