Investor Presentation

Diversified wholesale term funding program BMO's wholesale funding principles seek to match the term of assets with the term of funding. Loans for example are funded with customer deposits and capital, with any difference funded with longer-term wholesale funding BMO has a well diversified wholesale funding platform across markets, products, terms, currencies and maturities Wholesale Capital Market Term Funding Composition¹ ($133B) as at January 31, 2024 US$ Senior Debt 27% Senior Debt (Other International Issuances) 6% Covered Bonds 20% Mortgage & HELOC Securitization 14% C$ Senior Debt 18% FHLB advances 10% Other Asset Backed Securitizations 6% Wholesale Capital Market Term Funding Maturity Profile1,2 as at January 31, 2024 25 22 25 25 21 15 11 F2024 F2025 F2026 F2027 F2028 ≥ F2029 ■Term Debt ■Securitization (Ex - FHLB) 1 Wholesale capital market term funding primarily includes non-structured funding for terms greater than or equal to two years and term ABS. Excludes capital issuances 2 BMO term debt maturities includes term unsecured and Covered Bonds BMOM Investor Presentation ⚫ February 2024 51

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