Investor Presentation February 2024 slide image

Investor Presentation February 2024

Loan Portfolio Overview Gross Loans & Acceptances Canada & Total % of By Industry U.S. Other¹ BMO ($B, as at Q1 24) Residential Mortgages 150.0 26.5 176.6 27% Consumer Instalment and Other Personal 69.5 22.5 92.0 14% Credit Cards 11.2 1.4 12.5 2% Total Consumer 230.7 50.4 281.0 43% Total • • Portfolio is well diversified by geography and industry Total Gross Loans & Acceptances down 2% Q/Q or up 1% excluding impact of the stronger U.S. dollar and RV loan portfolio sale Canada & Other Countries 10% Commercial Real Estate 37.1 34.6 71.7 11% Financial 17.7 52.2 69.9 11% 31% Service Industries 28.6 35.8 64.4 10% 59% Manufacturing 8.8 29.6 38.5 6% Retail Trade 17.2 13.8 31.0 5% Wholesale Trade 6.7 16.8 23.5 4% Agriculture 13.3 5.1 18.4 3% U.S. Transportation 4.9 10.0 14.9 2% 17% 19% Utilities 7.9 4.6 12.5 2% Construction (non-real estate) 2.4 4.6 7.0 1% Oil and Gas 3.0 0.7 3.7 1% Other Business and Government² 8.5 7.8 16.3 2% 64% Total Business and Government 156.2 215.6 371.9 57% Total Gross Loans & Acceptances 386.9 266.0 652.9 100% ■P&C/BMO Wealth Management - Consumer P&C/BMO Wealth Management - Business & Government BMO Capital Markets Totals may not add due to rounding 1 Includes approximately $11.7B from other countries 2 Other Business and Government includes all industry segments that are each <1% of total loans BMOM Investor Presentation ⚫ February 2024 32
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