Investor Presentaiton

Canadian Residential-Secured Lending Residential-Secured Lending by Region ($166.6B) HELOC $76.1 Uninsured Mortgages ■Insured Mortgages 25% $26.4 $33.1 25% 29% $19.6 55% 17% 60% 33% • • 42% $6.8 $4.6 12% 50% 16% 20% • 44% 29% 15% 38% 44% 46% • Atlantic Quebec Ontario Alberta British Columbia All Other Canada Avg. LTV¹ Atlantic Quebec Ontario Alberta Uninsured British All Other Columbia Canada Total Canada Mortgage Portfolio 54% 55% 51% 60% 48% 53% 52% - Origination 73% 73% 69% 74% 68% 74% 70% HELOC - Portfolio 44% 50% 42% 54% 42% 45% 45% Origination 71% 74% 63% 67% 61% 70% 65% Total Canadian residential-secured lending portfolio at $166.6B, representing 35% of total loans (peer average ~48%) - - LTV1 on uninsured of 48% 90-day delinquency rate for RESL remains good at 14 bps; loss rate for the trailing 4 quarter period was 1 bp Residential mortgage portfolio of $126.3B - 34% of portfolio insured - - LTV1 on uninsured of 52% 79% of the mortgage portfolio has an effective remaining amortization of 25 years or less HELOC portfolio of $40.3B outstanding of which 69% is amortizing GTA and GVA portfolios demonstrate better LTV¹, delinquency rates and bureau scores compared to the national average 1 LTV is the ratio of outstanding mortgage balance or the HELOC authorization to the original property value indexed using Teranet data. Portfolio LTV is the combination of each individual mortgage or HELOC LTV weighted by the mortgage balance or HELOC authorization BMO Financial Group Investor Presentation • October 2021 33

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