Investor Presentation

Diversified business mix with strong, resilient revenue Diversified by business % of Operating Groups Reported Revenue² - LTM Q1'24 Canadian P&C 33% Canadian Personal BMO Capital Markets 19% Diversified by geography % of Reported and Adjusted Net Income¹ by Geography - LTM Q1'24 Reported Adjusted³ U.S. P&C 31% Canadian Commercial Banking & Business Banking Investment & Corporate Banking Global Markets Personal Wealth Insurance Asset Management U.S. Commercial Banking U.S. Personal & Business Banking Canada & Other 81% 56% U.S. 19% 44% BMO Wealth Management 17% Diversified by customer % of Reported Revenue by Customer²,3 - LTM Q1'24 Business 47% Consumer 53% Prior period amounts have been reclassified to conform with the current period presentation, including the retrospective application of IFRS 17 LTM is last twelve months 1 Adjusted results and measures are non-GAAP, see slide 56 for more information and slide 57 for adjustments to reported results 2 Percentages determined excluding results in Corporate Services 3 Business consists of Commercial Banking revenue and BMO Capital Markets revenue; Consumer consists of Personal and Business Banking revenue and BMO Wealth Management revenue BMOM Investor Presentation ⚫ February 2024 6

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