Investor Presentation February 2024

About BMO Established in 1817, BMO Financial Group is a highly diversified financial services provider based in North America 8th largest bank in North America by assets¹ $1.3 trillion in total assets² 13 million customers globally Operating Groups Personal & Commercial Banking BMO Wealth Management BMO Capital Markets Our Strategy At BMO, we continue to build a high-performing, digitally-enabled, future-ready bank with engaged employees and a winning culture. We are focused on helping our customers make real financial progress, and on financing our clients' growth and innovation, while also investing in our workforce. Anchored by our Purpose, we are driven by our strategic priorities for growth, strengthened by our approach to sustainability and guided by our values as we build a foundation of trust with our stakeholders. Our Purpose Boldly Grow the Good in business and life до For a thriving economy For a sustainable future For an inclusive society Our Strategic Priorities World-class loyalty and growth, powered by One Client leadership Winning culture driven by alignment, empowerment and recognition Digital first for speed, scale and the elimination of complexity Be our clients' lead partner in the transition to a net zero world Superior management of risk, capital and funding performance Our Values > Integrity > Empathy > Diversity > Responsibility 1 Source: Bloomberg GICS screen of largest North American banks by total assets as at January 31, 2024 2 As at January 31, 2024 BMOM Investor Presentation ⚫ February 2024 3

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