蒙特利尔银行 (BMO) 2017年年度报告「TSX」.pdf

1、BMO Financial Group 200th Annual Report 2017TOMORROWSTARTS TODAYWe arent waiting for the future to arrive.Were creating it.Connecting.Learning.Adapting.Innovating.Finding new ways to be relevant.Ready for what comes next.Business Review2 Who We Are/Financial Snapshot3 Reasons to Invest in BMO4 Chair

2、mans Message5 Chief Executive Officers Message9 Priorities and Principles10 Tomorrow Starts Today16 Performance Highlights18 Our Strategic Footprint20 Executive Committee21 Board of DirectorsFinancial Review24 Financial Performance and Condition at a Glance26 Managements Discussion and Analysis122 S

3、upplemental Information136 Statement of Managements Responsibility for Financial Information137 Independent Auditors Report of Registered Public Accounting Firm138 Report of Independent Registered Public Accounting Firm 139 Consolidated Financial Statements144 Notes to Consolidated Financial Stateme

4、ntsResources and Directories202 Glossary of Financial Terms204 Where to Find More InformationIBC Shareholder Information2017Marla PhilpotAssociate Project Manager Chicago,ILErvey AyvarCoordinator,Administrative Services,U.S.Finance Chicago,IL Gerrick Ratliff Human Resources Consultant Chicago,IL2 BM

5、O Financial Group 200th Annual Report 2017 Reported Adjusted1As at or for the year ended October 31(Canadian$in millions,except as noted)2017 2016 2017 2016Revenue,net of CCPB2(p 38)20,722 19,544 20,722 19,628Provision for credit losses(p 42)774 815 850 815Non-interest expense(p 43)13,302 12,997 13,

6、007 12,544Net income(p 37)5,350 4,631 5,508 5,020Earnings per share diluted($)(p 34)7.92 6.92 8.16 7.52Return on equity(%)(p 35)13.3%12.1%13.7%13.1%Operating leverage,net of CCPB(%)(p 43)3.7%1.1%1.9%2.1%Common Equity Tier 1 Ratio(%)(p 35)11.4%10.1%na naNet Income by Segment3Canadian P&C(p 47)2,512 2