CIBC Investor Presentation

High-Quality, Client-Driven Balance Sheet (Based on Q2 2021 Results) Assets $783B Liabilities & Equity Cash & Repos 35% Liquid Assets Trading & Investment Securities 130% Coverage (Liquid Assets / Wholesale Funding) Unsecured Funding 27% Wholesale Funding Secured Funding³ Residential Mortgages¹ 54% Loan Portfolio Other Retail Loans 116% Coverage (Deposits + Capital / Loans) Corporate Loans 10% Other Assets² Mainly Derivatives Personal Deposits Business & Gov't Deposits 63% Capital + Client-related Funding Securitization & Covered Bonds Capital Other Liabilities² 10% Mainly Derivatives 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 CIBC Investor Presentation | 34

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