CIBC Q1 2019 Fixed Income Investor Presentation

Strong, High Quality Liquid Client Driven Balance Sheet Based on Q1/19 results Assets CAD 615BN Liabilities & Equity 30% Liquid Assets Cash and Repos Trading & Investment Securities 111% Coverage Unsecured Funding 27% Wholesale Funding Secured Funding (3) 103% Residential Mortgages (1) Personal Deposits Coverage (Deposits +Capital /Loans) 61% Loan Portfolio Other Retail Loans Corporate Loans 63% Capital + Client related Business & Gov't Deposits funding Securitization & Covered Bonds Capital Other Liabilities (2) Mainly Derivatives Other Assets (2) (1) Securitized agency MBS are on balance sheet as per IFRS Mainly Derivatives (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 Q1 2019 Fixed Income Investor Presentation CIBC 16

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