
$ millions, as at October 31	Payable on demand (3)		Payable after notice (4)		Payable on a fixed date (5)(6)		2022 Total		2021 Total

Personal	$	16,104	$	139,042	$	76,949	$	232,095	$	213,932
Business and government (7)(8)		113,259		89,253		194,676		397,188		344,388
Bank		11,706		93		10,724		22,523		20,246
Secured borrowings (9)		–		–		45,766		45,766		42,592
	$	141,069	$	228,388	$	328,115	$	697,572	$	621,158
Comprises:
Held at amortized cost							$	670,770	$	602,628
Designated at fair value								26,802		18,530
							$	697,572	$	621,158
Total deposits include : (10)
Non-interest-bearing deposits
Canada							$	93,801	$	93,850
U.S.								17,053		16,522
Other international								6,452		5,601
Interest-bearing deposits
Canada								447,409		406,642
U.S.								92,333		70,312
Other international								40,524		28,231
							$	697,572	$	621,158

(1)	Includes deposits of $243.3 billion (2021: $215.4 billion) denominated in U.S. dollars and deposits of $53.1 billion (2021: $37.1 billion) denominated in other foreign currencies.

(2)	Net of purchased notes of $3.0 billion (2021: $2.2 billion).

(3)	Includes all deposits for which we do not have the right to require notice of withdrawal. These deposits are generally chequing accounts.

(4)	Includes all deposits for which we can legally require notice of withdrawal. These deposits are generally savings accounts.

(5)	Includes all deposits that mature on a specified date. These deposits are generally term deposits, guaranteed investment certificates, and similar instruments.

(6)

Includes $55.1 billion (2021: $32.6 billion) of deposits which are subject to the bank recapitalization (bail-in) conversion regulations issued by the Department of Finance Canada. These regulations provide certain statutory powers to the Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities of CIBC into common shares in the

event

that CIBC is determined to be non-viable.

(7)	Includes nil (2021: $300 million) of Notes issued to CIBC Capital Trust. These Notes were redeemed on November 1, 2021. For additional information, see Note 1 6 .

(8)	Includes $10.6 billion (2021: $8.8 billion) of structured note liabilities that were sold upon issuance to third-party financial intermediaries, who may resell the notes to retail investors in foreign jurisdictions.

(9)	Comprises liabilities issued by or as a result of activities associated with the securitization of residential mortgages, Covered Bond Programme, and consolidated securitization vehicles.

(10)	Classification is based on geographical location of the CIBC office.