蒙特利尔银行 (BMO) 2002年年度报告「TSX」.pdf

1、T O O U R F E L L OW S H A R E H O L D E R S185 T H A N N U A L R E P O R T 2002Trust is the essence of our business.We earn trust by delivering strong returns for our shareholders.We earn trust by providing our customers with excellent service and financialsolutions tailored to meet their individua

2、l needs.We earn trust,too,by treating our employeesand communities responsibly and with respect and dignity.As importantly,we inspire trust by conducting our business according to the principles of honesty,transparency and accountability.In practice,this means doing as we say we will,listening and r

3、esponding to criticism and,always,behaving ethically and fairly.At BMO Financial Group,trust is thefoundation of our success and our promise for the future.YOU R B MO F I N A N C I A L G ROU P M A N AG E M E N T T E A MY VA N J.P.B OU R D E AURO B E R T W.P E A R C EF.A N T HON Y COM P E RL L OY D F

4、.DA R L I NG T ONW I L L I A M A.D OW N EK A R E N E.M A I D M E N TG I L L E S G.OU E L L E T T ERO S E M.PAT T E NRO N A L D G.ROG E R SF R A N K J.T EC H A R14228 EACover BMO 12/16/02 12:02 PM Page cTrim This Area1Chairmans Message to Shareholders4Insights from your Management Board Executive Com

5、mittee7Corporate Governance and Board of Directors10Managements Discussion and Analysis of Operations and Financial Condition11Objectives,Measures and Targets12Financial Performance and Condition at a Glance14Canadian and North American Peer Group Comparisons15Value Measures18Financial Statement Ana

6、lysis26Enterprise-Wide Strategic Management27Enterprise-Wide Risk Management35Enterprise-Wide Capital Management36Review of Operating Groups Performance37Personal and Commercial Client Group41Private Client Group44Investment Banking Group48Corporate Support,including Technology and Solutions 49Harri