蒙特利尔银行 (BMO) 2013年年度报告「TSX」.pdf

1、 BMO FINANCIAL GROUP 196TH ANNUAL REPORT 2013 Lillian Ishak,Private Banking,Montreal,QC All of us expect great things.But it takes a true meeting of minds to bring big plans to life to find opportunities that spark action and inspire change.The key is to add,not take away.To grow the value of what w

2、e do by creating value for others.And to meet their great expectations by expecting as much from ourselves.Business Review 2 BMO at a Glance 4 Our Strategic Priorities 6 Chairman s Message 7 Chief Executive Officer s Message 11 Senior Leadership Team 12 Great Expectations 20 Corporate Governance 22

3、Board of Directors Financial Review 23 CFOs Foreword to the Financial Review 24 Financial Performance and Condition at a Glance 26 Management s Discussion and Analysis 104 Supplemental Information 122 Statement of Management s Responsibility for Financial Information 123 Independent Auditors Report

4、of Registered Public Accounting Firm 124 Report of Independent Registered Public Accounting Firm 125 Consolidated Financial Statements 130 Notes to Consolidated Financial Statements Resources and Directories 189 Principal Subsidiaries 190 Glossary of Financial Terms 192 Where to Find More Informatio

5、n IBC Shareholder Information BMO Financial Group 196th Annual Report 2013 3 BMO AT A GLANCE Delivering on Our Strategic Priorities 2013 Performance Net Income$4.2 billion Adjusted$4.3 billion Reported net income rose by 1%.Adjusted net income increased$0.2 billion or 5%.The bank achieved record rev

6、enue,net income and earnings per share.P 35 Revenue$16.3 billion Adjusted$15.6 billion Reported revenue rose by 1%.Adjusted revenue increased$0.5 billion or 3%.The increase was primarily due to revenue growth in Wealth Management,BMO Capital Markets and Canadian P&C.P 38 Return on Equity(ROE)14.9%Ad