Laurentian Bank of Canada : 2026 Q3 Investor fact sheets

About this update from Laurentian Bank Of Canada

‌Laurentian Bank at a Glance - Q3-2026 Highlights 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 $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: [email protected] 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 $15.1B Loans, net Term deposits & wholesale funding 4.8 63% 2.1 Total Assets Liabilities & Capital Inventory Financing Other Commercial Loans Other Term Lending Equipment Financing Construction & Land Multi-Residential Alt-A Prime Insured Conventional Amounts reported include assets and liabilities classified as held for sale in accordance with IFRS 5, Non-current Assets Held for Sale and Discontinued Operations of the Bank's Consolidated Balance Sheet. This is a supplementary financial measure. Numbers may not add due to rounding. (1) Amounts reported include loans classified as held for sale in (1) Amounts reported include loans classified as held for sale in accordance with IFRS 5, Non-current Assets Held for Sale accordance with IFRS 5, Non-current Assets Held for Sale and Discontinued Operations of the Bank's Consolidated Balance Sheet. (2) Numbers may not add due to rounding. and Discontinued Operations of the Bank's Consolidated Balance Sheet. (2) Reflects current estimated value of collateral, including HELOCs. LTV on uninsured mortgages 51% (2) 33.2 35.9 8.4 5.6 2.7 1.1 12.9 (2) Industry average is defined as the Big Six Canadian banks, using Adjusted Provisions for Credit Losses as reported in their Third Quarter 2026. Credit Ratings (1) Deposits, Senior Debt Short-term Instruments NVCC Sub. Debt NVCC LRCN NVCC Pref. Share Rating Outlook S&P BBB A-2 BB+ BB- BB- CreditWatch-Negative Unsecured wholesale funding maturities ($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: [email protected] 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

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