Slide 1: Investor Presentation Third Quarter 2026
Investor Presentation Third Quarter 2026 August 28th, 2026
Slide 2: Forward-Looking Statements and Non-GAAP Financial Measures
Forward-Looking Statements and Non-GAAP Financial Measures Caution Regarding Forward-Looking Statements (which has resulted in or in which could lead to the Bank being subject to various legal and regulatory proceedings, the potential outcome of which could include regulatory restrictions, and order
Slide 3: Introduction | Q3/26 Results Highlights
Introduction | Q3/26 Results Net Income Diluted EPS (Loss) Highlights Adjusted(1) $28.0MM Adjusted(2) $0.51 Reported $1.5MM Reported -$0.08 • Recorded $26.4MM of after-tax ROE Efficiency Ratio adjusting items related to the Adjusted(2) 3.6% Adjusted(2) 76.1% Reported(2) -0.6% Reported(3) 91.0% trans
Slide 4: Adjusting Items
Financial Review | Adjusting Items Q3/26 In $MM(1) Pre-Tax After-Tax Impact Impact Impact ($ / Share) Severance and employee benefits $16.0 $11.7 $0.26 Highlights Accelerated amortization of software and other intangible assets $10.6 $7.8 $0.17 • All of the adjusting items are related to the transac
Slide 5: Q3/26 Financial Results
Financial Review | Q3/26 Financial Results Reported ($MM) Q3/26 Y/Y Q/Q Y/Y Highlights • Adjusted total revenue decreased by $5.1MM, due to a decrease of $8.7MM in Total revenue $ 241.7 -2% +13% adjusted other income, partially offset by an increase of $3.6MM in net interest Provision for credit los
Slide 6: Net Interest Income and Net Interest Margin
Financial Review | Net Interest Income and Net Interest Margin Net Interest Income and Margin ($MM, %) Key Assets ($B)(1) Q3/26 Y/Y Q/Q Liquid assets(2) $ 12.9 -2% +2% 1.82% 1.79% 1.89% 1.84% 1.81% Personal loans $ 2.0 —% +1% Residential mortgage loans $ 15.1 -7% -3% Commercial loans $ 19.0 +8% +4%
Slide 7: Optimizing Funding Structure and Costs
Financial Review | Optimizing Funding Structure and Costs Funding ($B)(1)(2) Y/Y Highlights Total funding increased by $0.4B, explained by: 41.4 41.6 41.7 • Deposits up $0.1B mainly from Advisors and Brokers, partly 2.9 2.8 2.7 offset by partnership deposits and wholesale funding Shareholders' equit
Slide 8: Other Income
Financial Review | Other Income Other Income ($MM)(1) Q3/26 Y/Y Q/Q Y/Y Highlights Income from mutual funds $ 11.1 +5% +2% • Other income decreased by $8.7MM, mainly due to lower income from financial instruments as well as lower income from fees and Lending fees $ 10.1 +7% +4% securities brokerage
Slide 9: Non-Interest Expenses (NIE)
Financial Review | Non-Interest Expenses (NIE) NIE ($MM)(1) Q3/26 Y/Y Q/Q Y/Y Highlights • Reported NIE increased by $30.2MM, driven by restructuring and Salaries and employee benefits $ 90.9 -6% —% impairment charges as well as transaction and conversion costs related Premises and technology $ 54.2
Slide 10: Strong Capital Position
Financial Review | Strong Capital Position Common Equity Tier 1 Capital Ratio (CET1)(1)(2) Risk-Weighted Assets (RWA) ($B)(1)(2) 11.3% 11.3% 11.2% 10.9% 11.0% 20.5 20.7 21.1 20.6 20.2 Q3/25 Q4/25 Q1/26 Q2/26 Q3/26 Q3/25 Q4/25 Q1/26 Q2/26 Q3/26 Evolution of the CET1 Ratio (%)(2) Y/Y Highlights • CET1
Slide 11: Strong and Diversified Commercial Loan Portfolio
Financial Review | Strong and Diversified Commercial Loan Portfolio(1) Commercial Loan Portfolio ($B)(2) Pan-Canadian Portfolio and U.S. Presence (as at July 31, 2026) 18.3 19.0 17.6 Quebec Commercial Lending 4.6 4.1 4.7 25% Ontario Inventory financing 2.1 2.1 2.0 Equipment financing Alberta & Prair
Slide 12: Diversified Inventory Financing Portfolio
Financial Review | Diversified Inventory Financing Portfolio Inventory Finance Overview Inventory Finance Main Product Lines (as at July 31, 2026) • 7,000+ dealers in the U.S. and Canada Marine 13% Recreational Vehicle 6% 33% • $800,000 average dealer line utilization(1) Trailer 14% Power Sports Man
Slide 13: Strong Commercial Real Estate Portfolio
Financial Review | Strong Commercial Real Estate Portfolio(1) Commercial Real Estate Portfolio (as at July 31, 2026) Portfolio Overview Insured Term Loans – Multi- • >71% of our portfolio is residential: 65% Multi-Residential Residential and 6% Condos • Loan to Value (LTV) on uninsured multi-residen
Slide 14: High Quality Residential Mortgage Loan Portfolio
Financial Review | High Quality Residential Mortgage Loan Portfolio(1) Insured vs Uninsured Pan-Canadian Portfolio (as at July 31, 2026) 12% 12% 12% 6% 10% Quebec 26% 25% 25% Alt-A 29% Ontario Conventional 17% Alberta & Prairies British Columbia 62% 63% 63% Insured Atlantic Provinces 38% Q3/25 Q2/26
Slide 15: Allowances for Credit Losses
Financial Review | Allowances for Credit Losses(1) Allowances for Credit Losses (ACL) ($MM)(2) Y/Y Highlights • ACL increased by $4.1MM, mainly from higher allowances on impaired loans, partly offset by lower allowances on performing loans 189.9 188.8 192.6 194.0 181.4 68.8 76.2 78.1 82.4 Q/Q Highli
Slide 16: Provision for Credit Losses
Financial Review | Provision for Credit Losses Provision for Credit Losses (PCL) ($MM)(1) Y/Y Highlights • PCL increased by $14.4MM, primarily driven by higher provisions on 18.0 26.9 25.6 impaired loans and lower releases of provisions on performing loans 11.1 1.6 16.5 • PCL as a % of average total
Slide 17: Impaired Loans
Financial Review | Impaired Loans(1) Gross Impaired Loans ($MM, bps)(2) Net Impaired Loans ($MM, bps)(2) 117 118 98 97 109 86 96 100 81 419.5 425.9 350.6 349.7 75 7.3 5.1 392.9 4.3 2.9 310.4 55.1 56.2 350.8 357.6 3.6 51.6 52.6 288.6 2.4 272.7 5.5 4.0 54.2 3.5 2.3 51.3 57.5 52.8 49.4 54.0 357.0 364.6
Slide 18: Appendices
sit Appendices
Slide 19: Appendices | Adjusting Items
Appendices | Adjusting Items Q3/26 Q2/26 Q3/25 In $MM(1) Pre-Tax After-Tax Impact Pre-Tax After-Tax Impact Pre-Tax After-Tax Impact Impact Impact ($ / Share) Impact Impact ($ / Share) Impact Impact ($ / Share) Severance and employee benefits $16.0 $11.7 $0.26 $17.5 $12.9 $0.29 $0.6 $0.4 $0.01 Accele
Slide 20: Appendices | Non-GAAP Financial Measures
Appendices | Non-GAAP Financial Measures In $MM(1) Q3/26 Q2/26 Q3/25 Total revenue $241.7 $213.7 $246.8 Net loss on the Syndicated Loan Transaction(2) — 22.5 — Adjusted total revenue $241.7 $236.2 $246.8 Income (loss) before income taxes -$3.7 -$32.7 $45.9 Provision for credit losses 25.6 26.9 11.1
Slide 21: 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