Investor Presentation February 2024

U.S. Personal & Commercial Banking Performance Reported Revenue (teb¹, US$MM) 1,875 1,811 1,822 1,833 Average Gross Loans & Acceptances (US$B) 152.7 152.1 36.3 33.9 758 1,292 732 721 717 102.4 9.7 396 116.4 118.2 92.7 1,117 1,079 1,101 1,116 896 Q1'24 Q1'23 Q4'23 ■Commercial Q1'24 Personal & Business Banking Q1'23 Q2'23 Q3'23 ■Commercial Q4'23 ■Personal & Business Banking Digital Adoption² +3% 58.6% Q1'23 Average Deposits (US$B) 158.0 160.7 110.6 77.3 80.0 47.6 61.6% Q1'24 80.7 80.7 63.0 Q1'23 ■Commercial Q4'23 Personal & Business Banking Q1'24 Prior period amounts have been reclassified to conform with the current period presentation 1 Operating group revenue is stated on a taxable equivalent basis (teb). This teb adjustment (Q1'24 US$7MM, Q4'23 US$7MM, Q3'23 US$6MM, Q2'23 US$6MM, Q1'23 US$6MM) is offset in Corporate Services 2 Digital adoption is the percent of deposit customers that logged on in the last 90 days (revised to exclude joint account-only customers); data includes Bank of the West BMOM Investor Presentation ⚫ February 2024 23

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