CIBC Investor Presentation

CIBC Funding Strategy and Source 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 deposits Canada, U.S. Credit card securitization Canada, U.S. Wholesale Market (CAD Eq. 152.3BN), Maturity Profile 60 00 50 50 40 40 20 20 Global MTN programs Mortgage securitization Z30 programs Secured Unsecured 33 30 7 21 11 CIBC Less than 1m 1m-3m 3m-6m 6m-12m 1y-2y Over 2y 10 17 14 Covered Bond program Structured Notes 12 Source: CIBC Annual Report 2020 CIBC Investor Presentation | 38

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