Investor Presentaiton

High-Quality, Client-Driven Balance Sheet (Based on Q4 2020 Results) 37% Liquid Assets Assets $770B Cash & Repos Trading & Investment Securities Residential Mortgages¹ Liabilities & Equity 137% Unsecured Funding 27% Coverage (Liquid Assets / Wholesale Funding Wholesale Funding) Secured Funding³ 53% Loan Portfolio Other Retail Loans 120% Coverage (Deposits + Capital / Loans) Corporate Loans 10% Other Assets² Mainly Derivatives Personal Deposits Business & Gov't Deposits Securitization & Covered Bonds Capital 64% Capital + Client-related Funding Other Liabilities² 9% Mainly Derivatives CIBC 1 Securitized agency MBS are on balance sheet as per IFRS. 2 Derivatives related assets, are largely offset by derivatives related liabilities. Under IFRS derivative amounts with master netting agreements cannot be offset and the gross derivative assets and liabilities are reported on balance sheet. 3 Includes obligations related to securities sold short, cash collateral on securities lent and obligations related to securities under repurchase agreements. CIBC Fixed Income Investor Presentation | 23

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