Investor Presentation February 2024

BMO Covered Pool Current Collateral Pool Asset Percentage Requirement Current Balance (CAD) C$ Equivalent of Outstanding Covered Bonds Number of Loans Average Balance (CAD) Weighted Average Original LTV Weighted Average Current Indexed LTV Weighted Ave Current Unindexed LTV Weighted Average Remaining Term Weighted Average Seasoning 90 day + Arrears² Fixed Rate Loans² Pool Summary as of January 31, 2024¹ • Canadian uninsured residential mortgages 93.50% 41,374,444,667 25,464,837,900 • 129,773 318,822 • 69.30% 48.31% • 60.32% 26.28 months • 26.98 months . 0.14% • 73.44% • 77.38% Owner Occupied Loans² 1 Collateral information available on https://www.bmo.com/main/about-bmo/investor-relations/fixed-income-investors/covered-bonds/registered-covered-bond 2 As a percentage of current balance BMOM Investor Presentation ⚫ February 2024 54

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