Investor Presentaiton

Sectors Impacted by COVID-19 Pandemic By Industry of Heightened Focus Gross Loans & Acceptances % of Total GL&A . ($B, as at Q3 21) (GL&A) Hotels 4.5 1.0% Restaurants 4.9 1.0% Amusement & Recreational 3.2 0.7% CRE Lodging REITS 0.6 0.1% CRE - Retail REITS 1.5 0.3% - CRE Retail Property Types 2.5 0.5% Retail Trade excl. Auto, Grocers & Pharmacies 4.5 1.0% Airlines 0.3 0.1% Total Industries of Heightened Focus 22.1 4.7% Total Business & Government 255.4 54.0% Gross Loans & Acceptances Total Gross Loans & Acceptances 472.7 100.0% BMO Financial Group Sectors highly impacted by COVID-19 make up less than 5% of the portfolio Portfolio is diversified and well-secured by real estate in some sectors Loss rates remain manageable Investor Presentation • October 2021 35

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