Laurentian Bank Of Canada · TSX:LB
Laurentian Bank Of Canada — Investor Presentation (December 2025)
14 slides from Laurentian Bank Of Canada's investor presentation, December 2025
Slide 1: Laurentian Bank
Laurentian Bank December 2025
Slide 2: Forward-Looking Statements and Non-GAAP Financial Measures
Forward-Looking Statements and Non-GAAP Financial Measures Caution Regarding Forward-Looking Statements and orders to pay damages, penalties, and fines); reputational risks; exposure to, and resolution of, significant litigation or regulatory matters, the appeal of From time to time, Laurentian Bank
Slide 3: Who We Are
0 Who We Are
Slide 4: Who We Are | Franchise Snapshot
Who We Are | Franchise Snapshot Geographic Network Key Stats Quebec Rest of Canada United States $50.1B $24.0B in balance sheet in deposits Commercial Banking Commercial Banking Commercial Banking assets Personal Banking Personal Banking • Inventory Financing • 58 Retail Branches(1) • Advisor & Brok
Slide 5: Who We Are | Our Path Forward
Who We Are | Our Path Forward We will succeed by focusing on the execution of our strategy across the Bank Personal & Commercial Banking Segment Capital Markets Segment Key Focus Areas Compete where we have Efficiency and Drive accountability for Harness the power of an edge and market Simplificatio
Slide 6: Introduction | Financial Results
Introduction | Financial Results FY25 Q4/25 Net Income EPS Net Income EPS Adjusted(1) $147.2MM Adjusted(2) $3.00 Adjusted(1) $34.2MM Adjusted(2) $0.73 Reported $139.9MM Reported $2.84 Reported $31.5MM Reported $0.66 ROE Efficiency Ratio ROE Efficiency Ratio Adjusted(2) 5.2% Adjusted(2) 75.2% Adjuste
Slide 7: Investing in Laurentian
0 Investing in Laurentian
Slide 8: Our Unique Value Proposition
Investing in Laurentian | Our Unique Value Proposition Building a Serving the middle- Enhancing stronger economy class competition We contribute to the prosperity We contribute to the prosperity We offer a differentiated of all our customers by building of middle-class Canadians by offering through
Slide 9: Our Foundation
Investing in Laurentian | Our Foundation Prudent Capital Management Diversified Funding Strategy Strong Record of Credit Quality Path to Improved Efficiency New strategic plan with sound business line growth strategies 9
Slide 10: Building a Stronger Bank
Investing in Laurentian | Building a Stronger Bank Engage in strategic Invest in process partnerships to bolster our simplification and re- technology ecosystem and engineering to improve improve our product offering the customer experience Reduce complexity and Focus Personal Banking cost structure
Slide 11: Strong Capital Position
Investing in Laurentian | Strong Capital Position We have employed a prudent capital management strategy with a strong base to weather economic turmoil Laurentian Bank Capital Ratios(1) Canadian Banking CET1 Capital Ratios Q4/25 Regulatory Minimum Q4/25 Actual Ratio +4.1% Total LBC 11.3% 14.6% Capit
Slide 12: Stable and Diversified Funding
Investing in Laurentian | Stable and Diversified Funding Multiple Funding Sources Well-diversified funding sources to support our growth Funding ($B)(1) Funding stability with strong liquidity base 41.4 41.3 39.8 2.9 2.9 Shareholders' equity ✓ Prudent liquidity position 2.8 0.3 0.3 0.3 Subordinated
Slide 13: Solid Record of Credit Quality
Investing in Laurentian | Solid Record of Credit Quality Prudent Approach to Risk Management Provision for Credit Losses (in bps) ✓ Historical losses at about half the industry ✓ ~94% of the loan book is secured ✓ 63% Residential mortgages are insured, and remaining has a LTV of 50% 41 42 Risk-Adjus
Slide 14: Investor Relations Contact
Investor Relations Contact Raphael Ambeault Vice President Finance and Investor Relations (514) 601-0944 Raphael.Ambeault@laurentianbank.ca www.laurentianbank.ca/en/about-us/investor-relations
Laurentian Bank of Canada — Investor Presentation (December 2025) on 6ix