1、BuildingShareholderValueBank of Montreal Group of Companies 180th Annual Report 1997Bankof MontrealGroup of CompaniesIndexChairmans Message.2Building Shareholder Value.4Presidents Message.14Performance at a Glance.17Management Analysis of Operations.20Consolidated Financial Statements.66Glossary.90C
2、orporate Governance.91Shareholder Information.IBCBank of Montreal,Canadas first bank,is a highly diversified financial services institution offering a fullrange of services in all three NAFTA countries.These are the companies that serve you:Bank of Montreal,through its Canadian operations,is a leadi
3、ng and innovative provider of a completerange of financial products and services to individuals,small businesses,corporations,governments and institutional clients.The Banks telephone banking andInternet banking services and its automatic bankingmachines,together with its nationwide network ofcommun
4、ity-based banking locations,offer round-the-clock service to more than six million Canadians wherever they live,work or do business.Nesbitt Burns Inc.is one of Canadas leading full-service investment firms,serving the financial needs of individual,corporate,institutional and govern-ment clients thro
5、ugh more than 125 branches across Canada and 14 international locations.Harris Bank provides banking,trust and investmentservices to individuals,small and mid-market busi-nesses and not-for-profit and government entitieswithin Chicago and surrounding communities and is a leading provider of corporat
6、e banking services,primarily in the Midwest,and trust,cash management,investment management and private banking servicesthroughout the United States.mbanxTM,our direct banking division,provides clientswith full-service banking by Internet,computer,telephone,ABM,fax and mail,allowing customers tocond