Canadian Personal & Commercial Banking - Financial Results

Canadian Residential-Secured Lending Total Canadian residential-secured lending portfolio at $196.2B, representing 30% of total loans LTV1 on uninsured of 51% 90-day delinquency rate for RESL remains good at 14 bps; loss rates for the trailing 4 quarter period were less than 1 bp 2% of uninsured RESL balances are to borrowers with <680 FICO and >70% LTV1 Residential-Secured Lending by Region ($196.2B) $94.1 $38.7 26% 26% $31.0 29% $20.2 59% 62% 41% 16% Residential mortgage portfolio of $147.7B $7.7 36% $4.5 13% 29% of portfolio insured 16% 44% 30% 15% 48% 35% 12% 43% 49% LTV1 on uninsured of 55% Atlantic Quebec Ontario Alberta British Canada - 54% of the mortgage portfolio has an effective remaining amortization of 25 years or less Columbia Other HELOC Uninsured Mortgages ■Insured Mortgages HELOC portfolio of $48.5B outstanding of which 73% is amortizing Condo Mortgage portfolio is $22.8B with 27% insured GTA and GVA portfolios demonstrate better LTV1, delinquency rates and bureau scores compared to the national average HELOC - Revolving Mortgage - Uninsured $104.2B / 53% $13.0B/ 7% Avg. LTV¹ Uninsured Atlantic Quebec Ontario Alberta British Columbia Canada Other Total Canada HELOC - Amortizing $35.5B / 18% Mortgage Portfolio $196.2B 55% 56% 56% 59% 52% 54% 55% HELOC Origination 70% Portfolio 71% 70% 73% 67% 73% 70% 47% 50% 45% 52% 45% 46% 46% Mortgage - Insured $43.5B/ Origination 63% 69% 60% 64% 61% 69% 62% 22% 1 LTV is the ratio of outstanding mortgage balance or the HELOC authorization to the original property value indexed using Teranet data. Portfolio LTV is the combination of each individual mortgage or HELOC LTV weighted by the mortgage balance or HELOC authorization BMOM • Risk Review August 29, 2023 28

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