Investor Presentaiton

Liquidity and Funding Strategy Cash and Securities to Total Assets Ratio (%) 33.7 33.3 32.1 32.3 31.7 Q3'20 Q4'20 Q2'21 Q3'21 Q1'21 Customer Deposits¹ ($B) 489.7 461.5 468.0 472.0 474.4 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 BMO's Cash and Securities to Total Assets Ratio reflects a strong and stable liquidity position BMO's large base of customer deposits, along with our strong capital base, reduces reliance on wholesale funding 1 Customer deposits are operating and savings deposits, including term investment certificates and retail structured deposits, primarily sourced through our retail, commercial, wealth and corporate banking businesses. - BMO Financial Group Investor Presentation • October 2021 45

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