Q3 2019 Fixed Income Investor Presentation
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CIBC Funding Strategy and Sources
Funding Strategy
▸ 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. 148.7BN), Maturity Profile
60
Wholesale deposits Canada,
U.S.
Credit card securitization
Canada, U.S.
■Secured
Unsecured
50
40
Global MTN programs
Mortgage securitization
programs
30
20
20
9
17
21
Covered Bond program
Structured Notes
10
15
CIBC Q3 2019 Fixed Income Investor Presentation
28
22
22
Less than 1m-3m
1m
3m-6m
6m-12m
1y-2y
Over 2y
Source: CIBC Q3-2019 Report to Shareholders
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