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Capital Markets & Funding Strategies

High-Quality, Client-Driven Balance Sheet Assets Liabilities & Equity $894B 33% Cash & Repos 123% Coverage (Liquid Assets/ Unsecured Funding 27% Wholesale Funding Liquid Assets Trading & Investment Securities Wholesale Funding) Secured Funding³ Residential Mortgages1 55% Loan Portfolio Other Retail Loans 115% Coverage (Deposits + Capital / Loans) Corporate Loans 11% Other Assets² Mainly Derivatives Personal Deposits Business & Gov't 63% Capital + Client-related Funding Deposits Securitization & Covered Bonds Capital Other Liabilities² 10% 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. 33
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