蒙特利尔银行 (BMO) 2014年年度报告「TSX」.pdf

1、BMO Financial Group 197th Annual Report 2014Not just any bank.Real life doesnt follow a script.Neither do we.What matters is making the right choices.Being part of something thats growing.And staying a few steps ahead in a world of constant change.We get it.And were here to help.Financia al Snaps sh

2、otReported1Adjusted1,2AsAs ata ot at or or forfo the yeaear ended October 31 1 1(Canadian$in in milmi li lions,except as note ed)20142013201401432013Revenue(p 36)6,16 6,68 86,7186 716 0,06361616 06316,7182 215,372Provision for credr credit losses(p 40)p 40)5 5 5 5 56561585875613573535Non-interterest

3、 expense(p 41)10,92 212110,22610,7619,7559 9Net in n ncomencome(p 33)(p 33)4,3334 4,195 4,4534,454,223EaEar r rnings per share ded($)diluted(p 33)16.41 1 14141 16.17 6.59.5966.21RetReturn on equity(p(p 34)14.0%14.4.4.9%4.9%4.9%1414 4.4.4%15.0%5.0%at tin i g g le eveverara age eOperat tin ineratier(p

4、 41)(2.7 7)%(0.1)0.1)0.1)1)1)%1.6)%1.6)%(1.6)%(0.3)%ommo on Equity l IBasel Coml III Comr 1 RaTie er roRaRati tio op 3 34)(p%1 10.1%9.9%9%10 010 0.10 0.1%9.9%eg gegmentgmentg gSegeIncome by Net IanaCanadian P&Can na adiaanaCa adiap 4p 45)(p p0142,0141,81,812 2,02222,02282 22 2 81,1,8 8U.S.P&C P&CU U

5、(p 48)(p 48)64 4865815669 96631 6 6 6ntnnagememenWealth Man naWeWeWeWe(p 51)85 578 85 58083 3048 8848485757578 8ets eMar rkeO CaCapetke eketapital MaMaral Mar rkerkeO CapitO CapitO O O OBMO O OMO(p 54)(p1,0 90791,04044 4 4 0 4 4,0801,04 46 6,0 0461 1,cesceorate Ste S SeServic ceoCo oCorpoCoCorp37)57

6、)(p 57)(3)3)193(72)(19193193193)3)3)(1(1(1 1 1(1(1(1(1(1333)me et incomet t NetNet et(p(p 33)4,334,3 333 33334,1954,4,4,4534,4534,453,4534 24 4 2 22323 32 2222 232322 234 4 4,2,24,4,2 222224,21 embmbmber 1,2013,B BMemveOn NovNovemevememove3,B BMoptedoed3,B B BMOBM M MO adou unun n nuou unumenmemeunc