Covered Bond Program Overview

Wholesale Funding Geography Wholesale Funding By Currency¹ CAD 49.5 BN Canada Mortgage Bonds Credit Cards Securitization Medium Term Notes ☐ Canadian Dollar Deposits CIBC USD 79.6 BN Covered Bond Program Credit Cards Securitization Medium Term Notes ■ US Dollar Deposits Credit Cards Securitization 4% Mortgage Securitization 33% Covered Bonds 63% EUR 13.8 BN, CHF 3.0 BN, GBP 8.0 BN, NOK: 0.15 BN Covered Bonds Medium Term Notes Certificates of Deposit Wholesale Funding By Product1,3 JPY 55.0 BN Medium Term Notes HKD 11.2 BN Medium Term Notes Certificates of Deposit " AUD 9.3 BN Covered Bonds Medium Term Notes Certificates of Deposit Secured 25% Unsecured² 75% Term Deposits 1% Medium Term Notes 44% Sub-debt 4% Bankers Acceptances 5% CD and CP 47% 1 Source: CIBC Q2/22 Report to Shareholders. 2 "Unsecured" includes Obligation 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. 28

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