Investor Presentaiton

Oil and Gas Industry Overview Industry by Sub-sector 11% 24% $8.9 B 58% 7% Exploration & Development Manufacturing & Refining ■Pipelines ■Services Industry by Risk Rating 54% $8.9 B 3% 43% ■Investment Grade Sub-Investment Grade Impaired The Oil and Gas Portfolio is geographically well diversified; 54% in Canada, 38% in the U.S. and the remaining in other geographies Of the $5.3B in Exploration and Development (E&D) gross loans and acceptances, 65% is borrowing-base lending: ~100% of U.S. E&D loans 43% of Canada and other countries E&D loans; 78% of non-borrowing base E&D loans in Canada and other countries are investment grade BMO Financial Group - Investor Presentation • October 2021 34

View entire presentation