Q1 2020 Fixed Income Investor Presentation
22
22
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. 152.6BN), Maturity Profile
Wholesale deposits Canada,
U.S.
Credit card securitization
Canada, U.S.
60
60
Secured
Unsecured
50
40
40
Global MTN programs
Mortgage securitization
programs
30
20
33
23
Covered Bond program
Structured Notes
10
16
13
22
22
8
23
8
Less than 1m-3m
1m
3m-6m 6m-12m
1y-2y
Over 2y
CIBC Q1 2020 Fixed Income Investor Presentation
Source: CIBC Q1-2020 Report to ShareholdersView entire presentation