Investor Presentation

CIBC Funding Composition Funding Sources - January 20224 Others (Includes Securitization & Covered Bonds 6% derivatives) 8% Capital² 6% Securities sold short or repurchase agreements 11% Funding Sources BN Personal deposits 220.1 Business and government deposits 233.4 Unsecured funding¹ 148.7 Securities sold short or repurchase agreements 94.0 Personal deposits 26% Others (Includes derivatives) 65.2 Capital² 52.8 Securitization & Covered Bonds 47.5 Total 861.7 Wholesale market, currency³ BN USD 99.5 CAD 47.7 Business and government Unsecured funding1 17% deposits 27% Other Total 39.6 186.8 CIBC 3 1 Unsecured funding is comprised of wholesale bank deposits, certificates of deposit and commercial paper, bearer deposit notes and bankers' acceptances, senior unsecured EMTN and senior unsecured structured notes 2 Capital includes subordinated liabilities ³ Currency composition, in Canadian dollar equivalent, of funding sourced by CIBC in the wholesale market. Source: CIBC Q1-2022 Report to Shareholders 4 Percentages may not add up to 100% due to rounding. Source: CIBC Q1-2022 Supplementary Financial Information. 36

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