CIBC Investor Presentation

CIBC Funding Composition Funding Sources - April 20211 Others Securitization & Covered Bonds (Includes 5% derivatives) 9% Capital² 6% Securities sold short or repurchase agreements 11% Unsecured funding¹ 16% Personal deposits 26% Business and government deposits 26% Source: CIBC Q2-2021 Supplementary Financial Information 1 Percentages may not add up to 100% due to rounding. Funding Sources BN Personal deposits 207.0 Business and government deposits 207.2 Unsecured funding¹ 123.2 Securities sold short or repurchase agreements 89.6 Others (Includes derivatives) 68.4 Capital² 48.3 Securitization & Covered Bonds 39.2 Total 782.9 Wholesale market, currency³ BN USD 83.9 CAD Other Total 46.5 25.7 156.1 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 Q2-2021 Report to Shareholders CIBC CIBC Investor Presentation | 37

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