Financial Results

Committed to our strategic priorities and financial objectives Strategic priorities World-class loyalty and growth powered by One Client leadership Medium-term objectives (adjusted) 1,2 EPS growth of 7-10% Winning culture driven by alignment, empowerment and recognition Return on equity ≥ 15% Digital First for speed, scale and the elimination of complexity Return on tangible common equity ≥ 18% Be our client's lead partner in the transition to a net zero world Superior management of risk, capital and funding performance Operating Leverage ≥ 2% Maintain strong capital ratios 1 We have established medium-term financial objectives for certain important performance measures. Medium-term is generally defined as three to five years, and performance is measured on an adjusted basis 2 Adjusted results and measures are non-GAAP. See slide 39 and Non-GAAP and Other Financial Measures section of the 2023 Annual MD&A for more information BMOM Strategic Highlights • December 1, 2023 8

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