Canadian Personal & Commercial Banking - Financial Results

Strong Q3'23 CET1 Ratio1 of 12.3% 12.2% Common Equity Tier 1 Ratio¹ +5 bps -12 bps +10 bps -12 bps +20 bps -3 bps 12.3% Q2'23 Internal capital generation DRIP Source currency RWA AIR MILES acquisition² Acquisition & integration costs and tax-related charge³ Other Q3'23 Q3'23 CET1 ratio¹ of 12.3%, up from Q2'23 Internal capital generation DRIP shares issued from treasury Lower source currency RWA primarily from asset size and methodology changes Partially offset by AIR MILES acquisition² Impact of acquisition and integration costs³ and charge related to Canadian tax measures³ Basis points may not add due to rounding 1 The Common Equity Tier 1 (CET1) Ratio is disclosed in accordance with OSFI's Capital Adequacy Requirements (CAR) Guideline 2 AIR MILES acquisition impact includes capital deductions for goodwill and intangible assets and RWA resulting from the acquisition 3 Includes Q3'23 after-tax acquisition and integration costs and charge related to tax measures enacted by the Canadian government that amended the GST/HST definition for financial services ($370MM and $131MM respectively). Refer to the Non-GAAP and Other Financial Measures of the Third Quarter 2023 MD&A for further information BMOM . Financial Results ⚫ August 29, 2023 15

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