CIBC Investor Presentation

CIBC Funding Composition Funding Sources - Oct 20201 Others (Includes Securitization derivatives) & Covered Bonds 5% 8% Capital² 6% Securities sold short or repurchase agreements 12% Unsecured funding1 16% Source: CIBC Q4-2020 Supplementary Financial Information 1 Percentages may not add up to 100% due to rounding. Personal deposits 26% Business and government deposits 27% Funding Sources BN Personal deposits 202.2 Business and government deposits 209.0 Unsecured funding 119.4 Securities sold short or repurchase agreements 89.4 Others (Includes derivatives) 62.3 Capital² 47.0 Securitization & Covered Bonds 40.2 Total 769.6 Wholesale market, currency³ BN USD 75.4 CAD 50.8 Other 26.1 Total 152.3 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 Annual Report 2020 CIBC CIBC Investor Presentation | 40

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