蒙特利尔银行 (BMO) 2011年年度报告「TSX」.pdf

1、BMO FINANCIAL GROUP 194TH ANNUAL REPORT 2011ContentsBusiness Review2 Who we are4 Chairmans Message5 President and Chief Executive Officers Message 8 The conversation begins and ends with customers.10 Creating value for shareholders and acting in the long-term interest of customers are two sides of t

2、he same coin.12 Banks will live up to the role that society has given them.14 The keys to prosperity and growth are not lost.Corporate Directory16 Corporate Governance17 Our Governance Structure18 Board of Directors20 Management Committee 21 Performance CommitteeFinancial Review22 CFOs Foreword to t

3、he Financial Review24 Financial Performance and Condition at a Glance26 Managements Discussion and Analysis 100 Supplemental Information115 Consolidated Financial Statements119 Notes to Consolidated Financial StatementsResources181 Principal Subsidiaries182 Glossary184 Shareholder InformationIBC Whe

4、re to Find More InformationchangeoccupyenvironmentjobsclimateeconomyrecoveryenergyprotesttechnologyfuturedebtmediaprivacyIt may be that the world offers more questions than answers.But its also possible to make sense of things.At BMO,we don t claim to know exactly what the future holds.But were conf

5、ident of seeing the way forward because we understand whats expected of us.Delivering on OurStrategic Priorities2011 Performance$3.27billionAdjusted$3.28 billionNet IncomeReported net income rose by 16%,or$456 million.Adjusted net income increased 15%,or$439 million.Revenue growth was good and provi

6、sions for credit losses were lower.P 3412.3%Adjusted 10.3%Revenue GrowthReported revenue rose by$1.5 billion,or 12.3%,following growth of 10.4%and 8.4%in the past two years.Adjusted revenue increased$1.3 billion,or 10.3%.There was revenue growth in each of the operating groups,on both bases.P 3915.3