CIBC Investor Presentation

CIBC Funding Strategy and Source Funding Strategy CIBC • • • 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. 156.1BN), Maturity Profile 660 40 40 Wholesale deposits Canada, U.S. Credit card securitization Canada, U.S. 50 Global MTN programs Mortgage securitization 30 programs Secured Unsecured 32 20 20 9 19 24 20 20 10 19 13 Covered Bond program Structured Notes 12 4 3 Less than 1m 1m-3m 3m-6m 6m-12m 1y-2y Over 2y Source: CIBC Q2-2021 Report to Shareholders CIBC Investor Presentation | 35

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