1、BMO Financial Group 206th Annual Report2023 Annual Report to Shareholders|Business Review2 Who We Are4 Financial Performance5 Digital Strategy and Leadership6 Chairs Message7 Chief Executive Officers Message10 Economic Progress12Sustainable Progress14 Equitable Progress16 One Client Leadership18 Boa

2、rd of Directors and Executive Committee Financial Review19 Enhanced Disclosure Task Force20Managements Discussion and Analysis126 Supplemental Information138 Statement of Managements Responsibility for Financial Information139 Independent Auditors Report142 Reports of Independent Registered Public A

3、ccounting Firm145 Consolidated Financial Statements150 Notes to Consolidated Financial Statements Resources and Directories135 Glossary of Financial Terms215 Where to Find More Information216 Shareholder InformationOur Purpose is comprised of three core commitments:For a thriving economy Providing a

4、ccess to capital and valuable financial advice investing in businesses,supporting home ownership and strengthening the communities we serve,while driving innovation that makes banking easierFor a sustainable futureBeing our clients lead partner in the transition to a net zero world,delivering on our

5、 commitments to sustainable financing and responsible investingFor an inclusive society Committing to zero barriers to inclusion through investments,financial products and services,and partnerships that remove systemic barriers for under-represented customers,employees and communities and drive incl

6、usion and equitable growth for everyoneA LEED Gold-certified building,the Nova Centre houses BMOs Atlantic Canada headquarters in Halifax,Nova Scotia.Photography:Dean Casavechia BMO Financial Group 206th Annual Report 2023 1Our StrategyAt BMO,were building a high-performing,digitally-enabled,future-