CIBC is one of Canada's six large chartered banks, serving personal, business, commercial, and institutional clients primarily in Canada, with a growing presence in the U.S. CIBC's two largest businesses are Canadian retail and commercial banking. On the retail side, CIBC offers everyday banking products — checking accounts, credit cards, mortgages, and personal loans — with a particular focus on the "mass affluent" segment through its Imperial Service platform, which pairs clients with a dedicated personal banker. On the commercial side, CIBC serves mid-market Canadian businesses with loans, deposits, and treasury services. CIBC also runs a wealth management business serving high-net-worth individuals and institutional investors in Canada and the U.S. In the U.S., CIBC focuses on commercial and industrial lending, private wealth management, and cross-border referrals from its Canadian platform. CIBC's capital markets segment provides trading, investment banking, and corporate banking to institutional and corporate clients across North America. CIBC earns primarily through net interest income — the spread between loan yields and deposit costs — and fee income from wealth management and investment banking. CIBC's growth strategy centers on deepening existing client relationships rather than geographic expansion, with key priorities including growing the mass affluent and private wealth franchise, expanding digital banking capabilities, and driving cross-referrals between business units.