蒙特利尔银行 (BMO) 2005年年度报告「TSX」.pdf

1、188th Annual Report 2005Every customer.Every shareholder.Every employee.Every community.Every business.Every market.Every industry.Every stakeholder.Every individual.Every partnership.Every plan.Every goal.Every objective.Every answer.Every share.Every idea.Every policy.Every service.Every practice.

2、Every priority.Every target.Every initiative.Every value.Every experience.Every dream.Every aspiration.Every investment.Every opportunity.Every perspective.Every transaction.Every contribution.Every commitment.Every promise.Every loan.Every acquisition.Every channel.Every branch.Every department.Eve

3、ry group.Every action.Every intention.Every decision.Every solution.You can count on us.This is BMO today.Every Day2005 Awards and Recognition HighlightsTrim this areaFor the year ended October 312005 Target200520042003Income Statement Highlights(Canadian$in millions)Total revenue(teb)(a)(c)9,9589,4

4、889,149Provision for(recovery of)credit losses179(103)455Non-interest expense6,3276,1576,087Net income2,4002,3061,781Common Share Data($)(b)Earnings per share4.644.423.44Cash earnings per share(c)4.794.573.59Key Financial Measures(%)(b)Five-year average annual total shareholder return13.818.912.9Ear

5、nings per share growth(b)52928on a targeted basis(c)3%8%(d)9nanaReturn on equity17%18%18.819.416.4Revenue growth(teb)(c)5.03.74.7Cash productivity ratio(teb)(c)62.663.865.4targeted improvement(bps)150200 bps120160260Provision for credit losses as a%of average net loans and acceptances0.11(0.07)0.30t

6、argeted specific provision($millions)$40021967455Tier 1 Capital Ratio 8%10.259.819.55All ratios in this report are based on unrounded numbers.(a)All revenues in this report,except in the Consolidated Financial Statements,are reported on a taxable equivalent basis(teb).See pages 35 and 37.(b)All earn