Who We Are
Founded in 1846
Serving Personal, Commercial, and Capital Markets customers
Operations in Canada and the United States
Solid financial foundation and good diversification
Total Revenue ($MM)
Net Income ($MM)
Diluted Earnings (Loss) per Share
$49.9 $28.0 $0.51Total Assets ($B)
Adjusted Net Income(1) ($MM)
Adjusted Diluted Earnings per Share(3)
$36.1 (0.6)% 91.0%Total Loans(1)(2) ($B)
Return on Common Shareholders' Equity(3)
Efficiency Ratio(4)
$24.4 3.6% 76.1%Total Deposits(1)(2) ($B)
Adjusted Return on Common Shareholders' Equity(3)
Adjusted Efficiency Ratio(4)
Loan portfolio mix(2)A good proportion of higher margin commercial loans in the Bank mix
Q3-26
53% Geographic footprint(2) Loans across Canada and the United States
7% 10%
Multiple funding sources(2)Well-diversified funding sources to support our growth
5% 3 6 13% %Q3-26
39%13% %
Q3-26
34% 3%28% 1% 43% 42%
Commercial loans Residential mortgage Personal loans
British Columbia Alberta & Prairies Ontario Quebec
Atlantic Provinces United States
Notice and demand deposits Term deposits
Wholesale deposits
Debt related to securitization activities Subordinated debt
Net income (loss) ($MM) ROE (%)(3) Total revenue ($MM) & Adjusted efficiency ratio (%)(3)39.6 37.5
75.7
77.6
76.1
28.0
22.6
5.4
5.0
3.4
3.6
246.8 246.8
236.2
241.7 241.7
213.7
1.5
(0.6)
Q3-2025
(20.6)
Q2-2026
Q3-2026
Q3-2025
(3.7)
Q2-2026
Q3-2026
Q3-2025
Q2-2026
Q3-2026
Adjusted net income (1) Net income Adjusted ROE (3) ROE (3)
Adjusted total revenue (1)
Adjusted efficiency ratio (3)
Total revenue
Shareholders' equity
(1) This is a non-GAAP financial measure. (2) Amounts reported include assets and liabilities classified as held for sale in accordance with IFRS 5, Non-current Assets Held for Sale and Discontinued Operations on the Bank's Consolidated Balance Sheet. (3) This is a non-GAAP ratio. (4) This is a supplementary financial measure.
For additional information, refer to the Non-GAAP Financial and Other Measures section beginning on page 5 of the Third Quarter 2026, including the Management's Discussion and Analysis (MD&A) for the period ended July 31, 2026, which pages are incorporated by reference herein. The MD&A is available on SEDAR+ at https://www.sedarplus.ca.
CONTACT INFORMATION
Investor Relations Tel.: 514-601-0944
Email: investor.relations@lbcfg.ca https://www.laurentianbank.ca
Corporate Offices
Montreal
1360 René-Lévesque Blvd West, Suite 600
Toronto
199 Bay St, Suite 600 Toronto, Ontario M5L 0A2
Transfer Agent and Registrar
Computershare Investor Services Inc.
650 de Maisonneuve Blvd. West, suite 700 Montreal, Quebec H3A 3T2
A Healthy Capital PositionCommon Equity Tier 1 capital ratio(1) (%)
Good track record of strong credit qualityProvision for credit losses (PCL)(1) (bps)
12.0
6.0
11.3
11.2
10.2
10.9
9.1
Regulatory minimum
42 40
35
26
15
16
17
17
12
3
-
2022 2023 2024 2025 Q3-2026
(1) In accordance with OSFI's "Capital Adequacy Requirements" guideline.
2022 2023 2024 2025 Q3-2026
YTD
Laurentian Bank Industry Average (2)(1) PCL as a % of average total loans, including loans classified as assets held for sale, is a non-GAAP ratio.
Strong balance sheet(1)(3) ($B)$49.9B $49.9B
Diversified commercial loan portfolio(1)(2) ($B) High quality residential mortgage portfolio(1) (%) 2.1Other assets
Capital
Demand & notice deposits
Other liabilities
12% 4.6 1.0 25%Liquid
assets (2)
$19.0B
4.4$15.1B
Loans, net
Term deposits &
wholesale funding
4.8 63% 2.1Total
Assets
Liabilities
& Capital
Inventory Financing Other Commercial Loans Other Term Lending
Equipment Financing Construction & Land Multi-Residential
Alt-A Prime Insured Conventional
Amounts reported include assets and liabilities classified as held for sale in accordance with IFRS 5, Non-current Assets Held for Sale and Discontinued Operations of the Bank's Consolidated Balance Sheet.
This is a supplementary financial measure.
Numbers may not add due to rounding.
(1) Amounts reported include loans classified as held for sale in (1) Amounts reported include loans classified as held for sale in accordance with IFRS 5, Non-current Assets Held for Sale accordance with IFRS 5, Non-current Assets Held for Sale
and Discontinued Operations of the Bank's Consolidated Balance Sheet.
(2) Numbers may not add due to rounding.
and Discontinued Operations of the Bank's Consolidated Balance Sheet.
(2) Reflects current estimated value of collateral, including HELOCs.
LTV on uninsured mortgages 51% (2)
33.2
35.9
8.4
5.6
2.7
1.1
12.9
(2) Industry average is defined as the Big Six Canadian banks, using Adjusted Provisions for Credit Losses as reported in their Third Quarter 2026.
Credit Ratings(1) | Deposits, Senior Debt | Short-term Instruments | NVCC Sub. Debt | NVCC LRCN | NVCC Pref. Share | Rating Outlook |
S&P | BBB | A-2 | BB+ | BB- | BB- | CreditWatch-Negative |
400
260
-
-
600
DBRS BBB R-2 (high) BB(1) As at August 27, 2026
BB
(low)
Pfd-4 (high)
Under Review with Positive Implications
2026 2027 2028 2029 Greater
than 4 years
Share information
(as at July 31, 2026)
TSX stock symbol
Common shares outstanding Market capitalization Quarterly dividend
Dividend yield
Preferred share Series 13
LB
44,861 MM
$1,807 MM
$0.47 4.7% LB.PR.H
CONTACT INFORMATION
Investor Relations Tel.: 514-601-0944
Email: investor.relations@lbcfg.ca https://www.laurentianbank.ca
Corporate Offices
Montreal
1360 René-Lévesque Blvd West, Suite 600
Toronto
199 Bay St, Suite 600 Toronto, Ontario M5L 0A2
Transfer Agent and Registrar
Computershare Investor Services Inc.
650 de Maisonneuve Blvd. West, suite 700 Montreal, Quebec H3A 3T2

