Investor Presentaiton

Wholesale Funding Geography " CAD 50.8 BN Canada Mortgage Bonds Credit Cards Securitization Medium Term Notes Canadian Dollar Deposits Wholesale Funding By Currency¹ EUR 7.1 BN, CHF 2.2 BN, GBP 3.5 BN, SEK 2.0 BN, NOK: 0.15 BN Covered Bonds Medium Term Notes " USD 56.8 BN Covered Bond Program Credit Cards Securitization Medium Term Notes US Dollar Deposits Credit Cards Securitization 6% Wholesale Funding By Product1,3 Secured 26% Mortgage Securitization 45% Covered Bonds 49% Medium Term Notes 39.7% Unsecured? 75% Term Deposits 0.5% CD and CP 46.0% 123 1. Source: CIBC Annual Report 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 3.7 BN Medium Term Notes Sub-debt 5.0% AUD 5.7 BN Covered Bonds Medium Term Notes Bankers Acceptances 9.0% CIBC CIBC Fixed Income Investor Presentation | 27

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