蒙特利尔银行 (BMO) 2016年年度报告「TSX」.pdf

1、ForwardBMO Financial Group Annual Report 2016BMO Financial Group 199th Annual Report 2016 1 Business Review2 Who We Are/Financial Snapshot3 Reasons to Invest in BMO4 Moving Forward10 Priorities and Principles12 Chairmans Message13 Chief Executive Officers Message18 Executive Committee19 Our Strategi

2、c Footprint20 Corporate Governance 22 Board of DirectorsFinancial Review24 Financial Performance and Condition at a Glance26 Managements Discussion and Analysis 122 Supplemental Information136 Statement of Managements Responsibility for Financial Information137 Independent Auditors Report of Registe

3、red Public Accounting Firm138 Report of Independent Registered Public Accounting Firm 139 Consolidated Financial Statements144 Notes to Consolidated Financial StatementsResources and Directories206 Glossary of Financial Terms208 Where to Find More InformationIBC Shareholder InformationDavin Tiwari A

4、s Director&Operational Risk Officer,Technology Risk Management Execution,Davin plays an integral role in cybersecurity at BMO,helping to uphold what is unequivocally our first responsibility as a bank:protecting our customers.When youve been around a while,you know the value of staying agile.Strateg

5、ically focused.Always ready for what comes next.Because life only moves in one direction.Forward.Financial Snapshot ReportedAdjusted1As at or for the year ended October 31(Canadian$in millions,except as noted)2016 2015 2016 2015Revenue,net of CCPB2(p 38)19,544 18,135 19,628 18,137Provision for credi

6、t losses(p 42)815 612 815 612Non-interest expense(p 43)12,997 12,182 12,544 11,819Net income(p 34)4,631 4,405 5,020 4,681Earnings per share diluted($)(p 34)6.92 6.57 7.52 7.00Return on equity(p 35)12.1%12.5%13.1%13.3%Operating leverage,net of CCPB2(p 43)1.1%(3.0)%2.1%(1.3)%Common Equity Tier 1 Ratio