2026 Q3 Investor fact sheets

‌Laurentian Bank at a Glance - Q3-2026 Highlights $241.7 $1.5 $(0.08)

Total Revenue ($MM)

Net Income ($MM)

Diluted Earnings (Loss) per Share

$49.9 $28.0 $0.51

Total 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 Position

Common Equity Tier 1 capital ratio(1) (%)

Good track record of strong credit quality

Provision 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) (%) 2.1

Other 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% 2.1

Total

Assets

Liabilities

& Capital

Inventory Financing Other Commercial Loans Other Term Lending

Equipment Financing Construction & Land Multi-Residential

Alt-A Prime Insured Conventional

1. 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.

2. This is a supplementary financial measure.

3. 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.

(2) Industry average is defined as the Big Six Canadian banks, using Adjusted Provisions for Credit Losses as reported in their Third Quarter 2026.

Unsecured wholesale funding maturities ($MM)

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