Investor Presentation February 2024

Canadian Personal & Commercial Banking Performance Reported Revenue ($MM) Average Gross Loans & Acceptances ($B)² 2,778 2,557 2,716 2,796 2,490 314.2 317.3 301.4 757 761 768 765 732 128.1 134.8 136.5 6.5 6.8 6.1 51.8 51.9 50.7 1,948 2,039 2,017 1,792 1,758 10.6 12.1 12.8 105.9 109.0 109.4 Q1'23 Q2'23 Q3'23 ■Personal & Business Banking Digital Adoption¹ +2% 70.8% Q1'23 Q4'23 Q1'24 Q1'23 Q4'23 ■Commercial ■Commercial ■Credit Cards ■Business Banking Residential Mortgages Average Deposits ($B) 261.3 80.0 Q1'24 Consumer Loans 283.9 288.8 89.1 89.2 72.4% 194.8 199.6 181.3 Q1'24 Q1'23 Q4'23 Q1'24 ■Personal & Business Banking ■Commercial Prior period amounts have been reclassified to conform with the current period presentation 1 Digital adoption is the percent of deposit customers that logged on in the last 90 days (revised to exclude joint account-only customers) 2 Commercial loans exclude corporate cards and small business cards. Commercial and small business cards balances represented 13% of total credit card portfolio in Q1'24, Q4'23 and Q1'23 BMOM Investor Presentation ⚫ February 2024 21

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