Investor Presentation February 2024

Reasons to invest in BMO Diversified businesses that deliver resilient and robust earnings Integrated and competitively advantaged North American bank built for growth Strong foundation that delivers long-term value for shareholders Award winning technology and innovation • • . • . • • • Premium commercial banking franchise with a top 4 market position in North America1 Flagship personal banking business with a strong deposit base and growing market share Diversified, high-return wealth business with a strong client focus and competitive position Competitive global capital markets franchise that is well positioned for growth Well-established, highly profitable banking business in Canada Top 10 U.S. bank² with presence in key growth markets and a digital platform that extends our footprint nationally Alignment across businesses to deliver leading One Client customer experiences Well-capitalized with strong credit ratings Longest running dividend paying company in Canada Strong risk culture with a long-term track record of peer-leading credit performance Digital First operating model where business and technology are fully integrated, driving efficiency, speed and scale Investing in innovation that makes banking easier and delivers exceptional customer experiences Long-standing commitment to sustainability • Deeply embedded purpose-driven culture focused on inclusive and equitable growth for everyone and strengthening the communities we serve Consistently recognized for our industry leadership in climate action and sustainability 1 Share of commercial loans based upon publicly available U.S. regulatory filings (FR Y-9Cs and FFIEC 002s) and internal analysis 2 Ranking by assets as of December 31, 2023 and internal analysis. Source: SNL Financial. Top 10 U.S.: JP Morgan, Bank of America, Citibank, Wells Fargo, U.S. Bank, PNC Bank, Truist Bank, TD Bank, Capital One, BMO BMOM Investor Presentation ⚫ February 2024 5

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