Capital Markets & Funding Strategies

Wholesale Funding Geography Wholesale Funding By Currency 1 CAD 49.5 BN Canada Mortgage Bonds Credit Cards Securitization Medium Term Notes ☐ Canadian Dollar Deposits CIBC USD 79.6 BN Covered Bond Program Credit Cards Securitization ■ Medium Term Notes ■ US Dollar Deposits Credit Cards Securitization 4% Mortgage Securitization 33% Covered Bonds 63% EUR 13.8 BN, CHF 3.0 BN, GBP 8.0 BN, NOK: 0.15 BN Covered Bonds Medium Term Notes Certificates of Deposit Wholesale Funding By Product1,3 JPY 55.0 BN Medium Term Notes HKD 11.2 BN Medium Term Notes Certificates of Deposit AUD 9.3 BN Covered Bonds Medium Term Notes Certificates of Deposit Secured 25% Unsecured² 75% Term Deposits 1% Medium Term Notes 44% Sub-debt 4% Bankers Acceptances 5% CD and CP 47% 1 Source: CIBC Q2/22 Report to Shareholders. 2 "Unsecured” includes Obligation related to securities sold short, Cash collateral on securities lent and Obligations related to securities under repurchase agreements. 3 Percentages may not add up to 100% due to rounding. 35

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