CIBC Investor Presentation

Wholesale Funding Geography CAD 51.9 BN ■ Canada Mortgage Bonds " Credit Cards Securitization Medium Term Notes Canadian Dollar Deposits " USD 66.1 BN Covered Bond Program ■ Credit Cards Securitization " Medium Term Notes " US Dollar Deposits Credit Cards Securitization 6% Wholesale Funding By Currency EUR 7.2 BN, CHF 2.2 BN, GBP 4.8 BN, SEK 1.9 BN, NOK: 0.14 BN Covered Bonds Medium Term Notes JPY 56.8 BN Medium Term Notes Wholesale Funding By Product Secured 26% Mortgage Securitization 45% Covered Bonds 49% HKD 5.4 BN Medium Term Notes AUD 4.2 BN Covered Bonds Medium Term Notes Medium Term Notes 39.7% Unsecured 75% Term Deposits 0.5% CD and CP 46.0% Source: CIBC Annual Report 2020 Unsecured includes Obligations related to securities sold short, Cash collateral on securities lent and Obligations related to securities under repurchase agreements. Percentages man not add up to 100% due to rounding Sub-debt 5.0% Bankers Acceptances 9.0% CIBC CIBC Investor Presentation | 39

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