蒙特利尔银行 (BMO) 2012年年度报告「TSX」.pdf

1、BMO FINANCIAL GROUP 195TH ANNUAL REPORT 2012Bank of Montreal uses a unified branding approach that links the organizations member companies under the brand“BMO Financial Group”.Information about the intercorporate relationships among Bank of Montreal and its principal subsidiaries is provided on pag

2、e 182 of the 2012 financial statements,which page is incorporated herein by reference.These subsidiaries are incorporated under the laws of the state,province or country in which their head or principal office is located with the exception of:BMO Harris Financial Advisors,Inc.,BMO(US)Lending,LLC,BMO

3、 Global Capital Solutions,Inc.,BMO Capital Markets Corp.,BMO Harris Financing,Inc.,BMO Financial Corp.,BMO Asset Management Corp.,psps Holdings,LLC,and BMO Capital Markets GKST Inc.,each of which is incorporated in Delaware.Financial SnapshotReported1 Adjusted1,2As at or for the year ended October 3

4、1(Canadian$in millions,except as noted)2012 2011 2012 2011Revenue(p 36)16,130 13,943 15,067 13,742 Provision for credit losses(p 40)765 1,212 471 1,108Non-interest expense(p 42)10,238 8,741 9,513 8,453Net income(p 32)4,189 3,114 4,092 3,275Earnings per share diluted($)(p 32)6.15 4.84 6.00 5.10Return

5、 on equity(p 34)15.9%15.1%15.5%16.0%Basel II Common Equity Ratio(p 61)10.5%9.6%10.5%9.6%Basel III Common Equity Ratio pro-forma(p 62)8.7%6.9%8.7%6.9%Net Income by SegmentPersonal&Commercial Canada(p 46)1,784 1,773 1,794 1,781Personal&Commercial U.S.(p 49)517 352 581 387 Private Client Group(p 52)525

6、 476 546 486BMO Capital Markets(p 55)948 902 949 902Corporate Services(p 58)3 415(389)222(281)Net income(p 32)4,189 3,114 4,092 3,2751 As of November 1,2011,BMOs financial results have been reported in accordance with International Financial Reporting Standards(IFRS).Results for fiscal 2011 have bee