Investor Presentation February 2024

Our Purpose BOLDLY GROW THE GOOD IN BUSINESS AND LIFE 0000 For a Thriving Economy Providing access to capital and valuable financial advice - investing in businesses, supporting home ownership and strengthening the communities we serve, while driving innovation that makes banking easier • Committed US$2 million to expand BMO's Welcome Home Grant program, helping households in underserved California communities make progress for homeownership Received an "Outstanding" rating for Community Reinvestment Act (CRA) performance from January 2020 to December 2022 - the third consecutive time BMO has earned this highest possible rating For a Sustainable Future Being our clients' lead partner in the transition to a net zero world, delivering on our commitments to sustainable financing and responsible investing • • Launched an innovative financing program in partnership with the Canada Infrastructure Bank to help Canadian commercial building owners finance energy retrofits, enabling progress towards a net zero world Arranged Green Loan financing for the construction of Trinity College's Lawson Centre for Sustainability, a mass timber, zero carbon, LEED Platinum multi-use building, the first of its kind for a North American post- secondary institution Ranked among the most sustainable companies on the Dow Jones Sustainability Indices (DJSI). BMO earned the highest possible score in Customer Relationship Management for 2023 For an Inclusive Society Committing to zero barriers to inclusion through investments, financial products and services, and partnerships that remove systemic barriers for under-represented customers, employees and communities - and drive inclusion and equitable growth for everyone Employees contributed more than $31 million during the annual Employee Giving Campaign to the United Way and thousands of other community organizations across North America Launched the BMO Young Indigenous Leaders Program in partnership with Université Laval, with a $500,000 commitment to support Indigenous forestry students through scholarships for internships, mentorship and community projects This slide contains forward-looking statements. Refer to the Caution Regarding Forward-Looking Statements on slide 2 BMOM Investor Presentation ⚫ February 2024 4

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