CIBC Investor Presentation

High-Quality, Client-Driven Balance Sheet (Based on Q4 2020 Results) Assets $770B Liabilities & Equity Cash & Repos 37% Liquid Assets Trading & Investment 137% Coverage (Liquid Assets / Wholesale Funding) Unsecured Funding 27% Wholesale Funding Secured Funding³ Securities Residential Mortgages¹ 53% Loan Portfolio Other Retail Loans 120% Coverage (Deposits + Capital / Loans) Corporate Loans 10% Other Assets² Mainly Derivatives Personal Deposits Business & Gov't 64% Capital + Client-related Funding Deposits Securitization & Covered Bonds Capital Other Liabilities² 9% 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 | 37

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