Investor Presentation February 2024

Strong Q1'24 CET1 Ratio¹ of 12.8% Common Equity Tier 1 Ratio¹ . +14 bps +10 bps +14 bps 12.5% -9 bps 12.8% -8 bps +7 bps Q4'23 Internal capital generation DRIP Sale of RV loans Source currency RWA FDIC special assessment Other Q1'24 Q1'24 CET1 ratio¹ of 12.8%, up from Q4'23 Internal capital generation DRIP shares issued from treasury - Sale of RV loan portfolio Other mainly from unrealized gains on FVOCI securities Partially offset by: Higher source currency RWA, mainly reflects higher market and operational risks and net asset quality changes, partially offset by reduction in asset size and impact from methodology & model updates FDIC special assessment Basis points may not add due to rounding 1 The Common Equity Tier 1 (CET1) Ratio is disclosed in accordance with Office of the Superintendent of Financial Institutions (OSFI) Capital Adequacy Requirements (CAR) Guideline BMOM Investor Presentation ⚫ February 2024 17

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