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Investor Presentaiton

Leading track record in risk management . ⚫ Long track record of outperforming peers on credit, with 30-year historical average loss rates well below peer banks • ⚫ Prudent underwriting, consistent approach, unparalleled expertise and industry knowledge, effectiveness of work-out process. Deep expertise across Risk and business teams ⚫ Credit risk discipline will serve us well through stress period ⚫ Credit allowances appropriately reflect diversification and underlying strength of portfolios 1.80% 1.60% 1.40% 1.20% 1.00% 0.80% 0.60% 0.40% 0.20% 0.00% PCL on Impaired Loans as a % of Avg. Net Loans & Acceptances 0.52% Cdn Peer Historical Avg. (1990-2020) 0.38% BMO Historical Avg. (1990-2020) 0.20% Cdn. Peer Avg. 0.06% BMO '90 191 192 193 '94 '95 '96 '97 '98 '99 '00 '01 '02 '03 '04 '05 '06 '07 '08 '09 '10 '11 '12 '13 '14 '15 '16 '17 '18 '19 '20 '21'21'21 BMO Cdn Peers Avg. BMO Historical Avg. (1990 - 2020) - Q1 Q2 Q3 Cdn Peers Historical Avg. (1990-2020) BMO Financial Group Investor Presentation • October 2021 17
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