Financial Performance and ESG Strategy Update

CIBC funding strategy and sources Funding Strategy CIBC • CIBC's funding strategy includes access to funding through retail deposits and wholesale funding and deposits . CIBC updates its three-year funding plan on at least a quarterly basis The wholesale funding strategy is to develop and maintain a sustainable funding base through which CIBC can access funding across many different depositors and investors, geographies, maturities, and funding instruments Wholesale Funding Sources Wholesale Market (CAD Eq. 196.7BN), Maturity Profile 80 Wholesale deposits Canada, U.S. Credit card securitization Canada, U.S. ■Secured ■ Unsecured 70 60 50 Mortgage securitization 孟 40 Global MTN programs programs 30 2320 40 20 20 10 20 13 Covered Bond program Structured Notes 28 37 34 14 3 4 3 Less than 1m-3m 3m-6m 6m-12m 1y-2y Over 2y 1m Source: CIBC 2022 Annual Report to Shareholders 24

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