First Quarter, 2024 Earnings Report

Funding & Liquidity A well-diversified, high-quality, client-driven balance sheet Liquidity and funding position continue to remain well-above regulatory requirement Client deposits are the primary source of funding, comprising over $500B of the total funding base • Funding strategy is supplemented in part by wholesale funding, which is diversified across investor type, geographies, currencies, maturities, security and funding instruments Wholesale funding comprises mostly of long-term funding, across both secured and unsecured 100% Minimum Requirement Total Loss Absorbing Capacity (TLAC)1 TLAC Composition ($B) and Ratio 99.8 Other (Deductions) 46.1 External Instruments 31.6% 7.7 Tier 2 Instruments 4.9 Additional Tier 1 Instruments 21.5% 41.2 CET1 Capital TLAC Composition Endnotes are included on slides 49 to 54. CIBC TLAC Ratio Q1/24 | 115% Net Stable Funding Ratio Minimum Requirement Funding Mix ($B, Spot) Repos 12% Other (incl. Derivatives 7% Client Deposits 55% First Quarter, 2024 Capital 5% Q1/24 $972B WSF Q1/24 | 137% Average Liquidity Coverage Ratio $200B < 1 Year Maturity 11% > 1 Year Maturity 10% 35

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