蒙特利尔银行 (BMO) 2020年年度报告「TSX」.pdf

1、2020 203rd Annual Report to Shareholders BMO Financial Group Business Review IFC About BMO 1 2020:Responding to a Crisis 2 Financial Snapshot 3 Performance Highlights 4 Chairs Message 5 Chief Executive Officers Message 8 Zero Barriers to Inclusion 10 Our Purpose in Action 12 Board of Directors and E

2、xecutive Committee Financial Review 13 Managements Discussion and Analysis 124 Supplemental Information 138 Statement of Managements Responsibility for Financial Information 139 Independent Auditors Report 142 Reports of Independent Registered Public Accounting Firm 145 Consolidated Financial Statem

3、ents 150 Notes to Consolidated Financial Statements Resources and Directories 212 Glossary of Financial Terms 214 Where to Find More Information IBC Shareholder Information On the cover:Daphne Jones,President of Glorious Malones Fine Sausage,Inc.,a family business in Milwaukee,WI.Malones has been a

4、BMO customer for 12 years.About BMO:Purpose-Driven and Future-Focused BMO is a diversified North American financial services provider with a clear strategy for driving long-term growth.Anchored by superior risk management and powered by industry-leading customer loyalty,we create sustainable value f

5、or our shareholders through three operating groups:Personal and Commercial Banking,BMO Capital Markets and BMO Wealth Management.Were a digitally driven bank,supporting individuals,families,businesses,institutional clients and communities with the tools and advice they need to move ahead delivered i

6、n a way thats distinctly BMO.We know our own growth helps fuel a more inclusive and growing economy.Thats why we work alongside BMOs diverse stakeholders to advance and accelerate positive change,united in the belief that success can and must be mutual and confident that even when the future seems u