Q2 F2023 - Bank of the West Contribution & Financial Results slide image

Q2 F2023 - Bank of the West Contribution & Financial Results

Q2 F2023 - Bank of the West Contribution to U.S. Segment U.S. Segment Reported U.S. Segment Adjusted¹ (US$MM) BMO ex. BOTW BMO ex. BOTW BMO BOTW BMO BOTW Revenue Expenses 1,874 790 2,664 1,879 790 2,669 1,127 1,162 2,289 1,121 556 1,677 PPPT² 747 (372) 375 758 234 992 Total PCL 43 535 578 43 18 61 Income (Loss) before Taxes 704 (907) (203) 715 216 931 Net Income (Loss) 563 (667) (104) 571 169 740 Average Gross Loans and Acceptances 139,594 58,032 197,626 139,594 58,032 197,626 Average Deposits 166,609 66,554 233,163 166,609 66,554 233,163 Efficiency Ratio (%) 60.1 147.1 85.9 59.6 70.4 62.8 See the Significant Events section of BMO's Second Quarter 2023 MD&A for more information 1 Adjusted results and measures are non-GAAP, see slide 40 for more information and slide 42 for adjustments to reported results 2 Reported and adjusted Pre-Provision Pre-Tax earnings (PPPT) are non-GAAP measures. See slide 40 for more information and slide 44 for calculation of PPPT BMOM Financial Results May 24, 2023 • 39
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