Investor Presentaiton

Our Purpose BOLDLY GROW THE GOOD For a sustainable future Declared Climate Ambition, a focused commitment to drive economic transformation toward a net zero world Ranked top bank in North America on Corporate Knights' 2021 Global 100 Among first Canadian banks to sign UN Principles for Responsible Banking Joined the Partnership for Carbon Accounting Financials (PCAF) Established Energy Transition Group providing clients with expertise and support Financing innovative Green, Transition and Sustainability- Linked Loan structures supporting clients' ESG goals BMO Financial Group - IN BUSINESS AND LIFE For a thriving economy BMO announced a 10-year, $12B commitment to finance affordable housing in Canada Deployed ~US$1.8B in loans and investments against BMO EMpower, a 5-year, US$5B commitment to address key barriers faced by minority businesses, communities and families in the U.S. BMO Celebrating Women pledged $200,000 in grants to women owned businesses in Canada & U.S. Continuing to support customers with access to government relief programs helping them bridge to financial recovery, including the CEBA, PPP, HASCAP and TELP programs¹ For an inclusive society BMO was named to Canada's Best 50 Corporate Citizens Ranking by Corporate Knights Recognized as one of the World's Most Ethical Companies for the 4th consecutive year by the Ethisphere Institute Recognized for the 6th consecutive year on the Bloomberg Gender- Equality Index Issued $750MM Women in Business Bond In Support of Women-Owned Businesses Announced US$10MM donation to create the Rush BMO Institute for Health Equity in Chicago 1 CEBA: Canadian Emergency Business Assistance, PPP: U.S. Paycheck Protection Program, HASCAP: Highly Affected Sectors Credit Availability Program, TELP: Trade Expansion Lending Program Investor Presentation October 2021 4

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