1、In 2004We delivered record net income and increased our quarterly dividends to shareholders by 26%.We focused on providing our clients with personalized service and relevant financial solutions to meet their individual needs at every point of contact.We continued to be an employer of choice,recogniz
2、ed for our ongoing commitment to providing our people with a workplace that is equitable and supportive.We gave back to our communities,through corporate donations,sponsorships and the passionate commitment of our employees,to help make a real difference in the cities and towns where we do business.
3、Whats Next?187th Annual Report 2004Established in 1817 as Bank of Montreal,BMOFinancial Group(TSX,NYSE:BMO)is a highly diversified financial servicesorganization.With total assets of$265 bil-lion at October 31,2004 and more than34,000 employees,BMO provides a broadrange of retail banking,wealth mana
4、ge-ment and investment banking products and solutions.We serve Canadian clients through BMO Bank ofMontreal,our personal and commercial banking business,and BMO Nesbitt Burns,one of Canadas leading full-serviceinvestment and wealth management firms.In the United States,clients are served through Har
5、ris,a major U.S.Midwest financial services organization with a network of community banks in the Chicago area andwealth management offices across the United States,as wellas Harris Nesbitt,a leading mid-market investment and corporate bank.Trim this areaAbout BMO Financial GroupOur vision is to be t
6、he top-performing Canada-U.S.financial services company.Our strategy is to grow our core Canadian franchise,and improve and selectively expand our U.S.franchise.In all of our businesses,we will build strong,lastingrelationships with our clients by delivering exceptionalservice.We will consistently i