Investor Presentation

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 Market (CAD Eq. 186.8BN), Maturity Profile 50 50 70 Wholesale deposits Canada, U.S. Credit card securitization Canada, U.S. 60 60 ■ Secured ■ Unsecured Wholesale Funding Sources Mortgage securitization Global MTN programs programs BN 40 40 20 32 30 29 29 28 28 24 29 29 Source: CIBC Q1-2022 Report to Shareholders 10 17 13 Covered Bond program Structured Notes 5 5 6 Less than 1m 1m-3m 3m-6m 6m-12m 1y-2y Over 2y CIBC◇ 34

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