Canadian House Prices and Banking Performance
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. 183.5BN), Maturity Profile
80
Wholesale deposits Canada,
U.S.
Credit card securitization
Canada, U.S.
70
28
■ Secured ■ Unsecured
60
36
50
函 40
Global MTN programs
Mortgage securitization
programs
30
20
35
10
18
18
Covered Bond program
Structured Notes
34
10
5
4
Less than 1m-3m
1m
3m-6m
6m-12m 1y-2y
Over 2y
22
22
CIBC◇
Source: CIBC Q1-2023 Report to Shareholders
24
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