Financial Results

Our Purpose 0000 For a Thriving Economy Providing access to capital and valuable financial advice - investing in businesses, supporting home ownership and strengthening the communities we serve, while driving innovation that makes banking easier For a Sustainable Future Being our clients' lead partner in the transition to a net zero world, delivering on our commitments to sustainable financing and responsible investing For an Inclusive Society Committing to zero barriers to inclusion through investments, financial products and services, and partnerships that remove systemic barriers for under-represented customers, employees and communities - and drive inclusion and equitable growth for everyone • • BOLDLY GROW THE GOOD IN BUSINESS AND LIFE Launched BMO EMpowerTM 2.0, pledging more than US$40 billion to support organizations in communities across the United States focused on advancing home ownership, growing small businesses, strengthening communities and creating a more equitable society Launched the First Home Savings Account (FHSA), a new tax-advantaged registered savings plan that empowers Canadians to invest and save towards the down payment on their first home Launched one of the first sustainability-linked deposit offerings in North America and acted as co-lead manager on the government of Canada's Ukraine sovereignty bond, which was recognized as Social Bond of the year by Environmental Finance Included in Corporate Knights' list of Canada's Best 50 Corporate Citizens, with top-quartile scores in board gender diversity and the representation of visible minorities in our executive leadership - the only Canadian bank named to this listing. We also received a top-quartile Sustainable Revenue score, demonstrating our ongoing commitment to sustainable financing and responsible investing Ranked among the most sustainable companies on the Dow Jones Sustainability Indices (DJSI). BMO ranked in the 95th percentile among banks globally and earned the highest possible score in the areas of Environmental Reporting, Social Reporting and Financial Inclusion Introduced the BMO for Indigenous Entrepreneurs program, providing Indigenous business owners with greater access to working capital, educational resources and professional partnerships to start up, scale up and accelerate their businesses Received a top score on the Disability Equality Index for the eighth consecutive year and named among the Best Places to Work for Disability Inclusion by Disability:IN and the American Association of People with Disabilities (AAPD) Continued to drive progress for mental health treatment with a $5 million donation to the Centre for Addiction and Mental Health to support independent research and help build a research centre; and a $2 million donation to the Royal Ottawa Health Care Group to support the newly-established BMO Innovative Clinic for Depression This slide contains forward-looking statements. Refer to the Caution Regarding Forward-Looking Statements on slide 2 BMOM Strategic Highlights December 1, 2023 7

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