CIBC Investor Presentation

Wholesale Funding Geography CAD 46.5 BN Canada Mortgage Bonds Credit Cards Securitization Medium Term Notes Canadian Dollar Deposits " " USD 66.6 BN Covered Bond Program Credit Cards Securitization Medium Term Notes US Dollar Deposits Credit Cards Securitization 4% Wholesale Funding By Currency¹ EUR 8.1 BN, CHF 2.2 BN, GBP 3.7 BN, SEK 2.0 BN, NOK: 0.15 BN Covered Bonds Medium Term Notes Wholesale Funding By Product1,3 Secured 25% Mortgage Securitization 47% Covered Bonds 49% Medium Term Notes 36.4% Term Deposits Unsecured² 75% 0.5% CD and CP 51.5% 123 1. Source: CIBC Q2-2021 Report to Shareholders 2. "Unsecured" includes Obligations 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 JPY 55.0 BN Medium Term Notes HKD 5.7 BN ☐ Medium Term Notes Sub-debt 4.8% AUD 5.5 BN Covered Bonds Medium Term Notes Bankers Acceptances 6.8% CIBC CIBC Investor Presentation | 36

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