BMO Financial Group Reports Third Quarter 2026 Results
Rhea-AI Summary
BMO Financial Group (TSX:BMO, NYSE:BMO) reported third quarter 2026 net income of $1,750 million, down 25% year over year, and EPS of $2.38, with reported ROE of 8.4%. Results were reduced by a $962 million after-tax goodwill-related charge from the announced sale of the Transportation and Vendor Finance businesses. Adjusted net income rose 19% to $2,859 million and adjusted EPS increased 22% to $3.96, with adjusted ROE of 14.0%. Provision for credit losses fell to $722 million from $797 million, and the CET1 capital ratio was 13.0%. All operating segments delivered higher adjusted earnings, including strong growth in Capital Markets. BMO declared a Q4 2026 dividend of $1.71 per common share and repurchased 3.8 million shares in the quarter, and intends to establish a new NCIB for up to 25 million shares, subject to regulatory and exchange approvals.
Positive
- Adjusted net income Q3 2026 up 19% to $2,859 million
- Adjusted EPS Q3 2026 up 22% to $3.96
- Provision for credit losses decreased to $722 million from $797 million
- Capital Markets reported net income up 46% to $645 million
- CET1 ratio remained strong at 13.0% as of July 31, 2026
- Dividend $1.71 per share for Q4 2026, up 5% year over year
- Share repurchases 3.8 million shares at an average $239.37 under NCIB
- Planned new NCIB for up to 25 million common shares, subject to approvals
Negative
- Reported net income Q3 2026 down 25% to $1,750 million
- Goodwill-related charge $1,092 million pre-tax ($962 million after-tax) on divestitures
- Corporate Services reported net loss widened to $1,151 million
- CET1 ratio lower than 13.5% in prior year period
- Insurance net income declined 8% to $88 million
- Total PCL remained elevated at $722 million despite year-over-year decrease
Key Figures
Previous Earnings Reports
| Date | Event | Sentiment | 24h Move | Catalyst |
|---|---|---|---|---|
| May 27 | Second-quarter earnings | Positive | +0.8% | Net income and EPS rose; credit losses fell and capital remained strong. |
| Feb 25 | First-quarter earnings | Positive | +4.1% | Net income and EPS increased while provision for credit losses declined. |
| Aug 26 | Third-quarter earnings | Positive | +4.9% | Net income, EPS and segments rose; BMO announced buybacks and acquisition. |
| May 28 | Second-quarter earnings | Positive | +1.4% | Net income and EPS increased despite higher credit-loss provisions and mixed segments. |
| Feb 25 | First-quarter earnings | Positive | +4.4% | Net income and EPS rose alongside revenue growth and higher credit losses. |
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
All five tag-specific earnings events recorded positive 24-hour reactions, indicating consistent historical alignment with positive earnings news.
Key Terms
cet1 ratio financial
provision for credit losses financial
normal course issuer bid financial
non-gaap financial
AI-generated analysis. How Rhea-AI works. Not financial advice.
BMO's Third Quarter 2026 Report to Shareholders, including the unaudited interim consolidated financial statements for the period ended July 31, 2026, are available online at www.bmo.com/investorrelations, on the Canadian Securities Administrators' website at www.sedarplus.ca, and on the EDGAR section of the
Third Quarter 2026 compared with Third Quarter 2025:
- Reported net income1 of
$1,750 million 25% from$2,330 million $2,859 million 19% from$2,399 million - Reported earnings per share (EPS)2 of
$2.38 24% from$3.14 $3.96 22% from$3.23 - Provision for credit losses (PCL) of
$722 million $797 million - Reported return on equity (ROE) of
8.4% , compared with11.6% ; adjusted ROE1of14.0% , compared with12.0% - Common Equity Tier 1 (CET1) Ratio3 of
13.0% , compared with13.5%
Year-to-Date 2026 compared with Year-to-Date 2025:
- Reported net income1 of
$6,869 million 7% from$6,430 million $8,143 million 21% from$6,734 million - Reported EPS2 of
$9.30 10% from$8.47 $11.11 25% from$8.89 - PCL of
$2,207 million $2,862 million - Reported ROE of
11.1% , compared with10.5% ; adjusted ROE1of13.3% , compared with11.1%
"BMO delivered another strong quarter, driven by disciplined execution against the commitments we made at our March Investor Day to elevate ROE and accelerate growth. Every business segment delivered record pre-provision pre-tax earnings, with sustained momentum in Capital Markets and Wealth Management, and continued commercial loan growth in both
"We continue to reallocate and deploy capital to areas positioned to deliver sustainable and long-term value for our shareholders. This includes profitable loan growth to help support economic expansion, investing in talent, technology and AI-powered capabilities, and returning capital through dividends and share repurchases, while maintaining a robust CET1 ratio," concluded Mr. White.
Concurrent with the release of results, BMO announced a fourth quarter 2026 dividend of
On August 25, 2026, we announced our intention to establish a new NCIB for up to 25 million common shares, subject to the approval of the Office of the Superintendent of Financial Institutions (OSFI) and the Toronto Stock Exchange. Once approvals are obtained, the timing and amount of purchases under the new NCIB will be at management's discretion, based on factors such as market conditions and capital levels.
Caution | |
The foregoing section contains forward-looking statements. Please refer to the Caution Regarding Forward-Looking Statements section. | |
(1) | Results and measures in this document are presented on a generally accepted accounting principles (GAAP) basis. They are also presented on an adjusted basis that excludes the impact of certain specified items from reported results. Adjusted results and ratios are non-GAAP and are detailed in the Non-GAAP and Other Financial Measures section. Unless otherwise indicated, all amounts are in Canadian dollars. All ratios and percentage changes in this document are based on unrounded numbers. |
(2) | All EPS measures in this document refer to diluted EPS, unless specified otherwise. |
(3) | The CET1 Ratio is disclosed in accordance with the Capital Adequacy Requirements (CAR) Guideline, as set out by the Office of the Superintendent of Financial Institutions (OSFI), as applicable. |
Adjusted results and ratios in this section are on a non-GAAP basis. Refer to the Non-GAAP and Other Financial Measures section for further information on adjusting items.
Canadian P&C
Reported net income was
Reported net income was
On a
Wealth Management
Reported net income was
Capital Markets
Reported net income was
Corporate Services
Reported net loss was
Credit Quality
Total provision for credit losses was
Refer to the Critical Accounting Estimates and Judgments section of BMO's 2025 Annual Report and Note 3 of the audited annual consolidated financial statements for further information on the allowance for credit losses as at October 31, 2025.
Capital
BMO's Common Equity Tier 1 (CET1) Ratio was
Results and measures in this document are presented on a generally accepted accounting principles (GAAP) basis. Unless otherwise indicated, all amounts are in Canadian dollars and have been derived from our audited annual consolidated financial statements and our unaudited interim consolidated financial statements, prepared in accordance with International Financial Reporting Standards (IFRS), as issued by the International Accounting Standards Board (IASB). References to GAAP mean IFRS. We use a number of financial measures to assess our performance, as well as the performance of our operating segments, including amounts, measures and ratios that are presented on a non‑GAAP basis, as described below. We believe that these non‑GAAP amounts, measures and ratios, read together with our GAAP results, provide readers with a better understanding of how management assesses results.
Non-GAAP amounts, measures and ratios do not have standardized meanings under GAAP. They are unlikely to be comparable to similar measures presented by other companies and should not be viewed in isolation from, or as a substitute for, GAAP results.
Certain information contained in BMO's Third Quarter 2026 Management's Discussion and Analysis dated August 25, 2026, for the period ended July 31, 2026, is incorporated by reference into this document. For further details on the composition of our supplementary financial measures, refer to the Glossary of Financial Terms section of BMO's Third Quarter 2026 Report to Shareholders, which is available online at www.bmo.com/investorrelations and at www.sedarplus.ca.
Adjusted measures and ratios
Management considers both reported and adjusted results and measures to be useful in assessing underlying ongoing business performance. Adjusted results and measures remove certain specified items from revenue, non‑interest expense and income taxes, as detailed in the following table. Adjusted results and measures presented in this document are non‑GAAP. Presenting results on both a reported and an adjusted basis permits readers to assess the impact of certain items on results for the periods presented, and to better assess results excluding those items that may not reflect ongoing business performance. As such, the presentation may facilitate readers' analysis of underlying trends. Except as otherwise noted, management's discussion of changes in reported results in this document applies equally to changes in the corresponding adjusted results.
Net Interest Margin, excluding Global Markets and Insurance
Effective the first quarter of fiscal 2026, we report net interest margin on a basis that excludes net interest income from our Global Markets business in Capital Markets, and average earning assets from our Global Markets and Insurance businesses. Management considers this measure to be useful in allowing readers to assess performance of BMO's lending, investing and deposit-raising activities without the volatility that may be associated with market and trading-related activities. This measure replaces net interest margin, excluding trading and insurance previously disclosed, and prior periods have been reclassified to conform with the current period's presentation.
Tangible common equity and return on tangible common equity
Tangible common equity is calculated as common shareholders' equity, less goodwill and acquisition-related intangible assets, net of related deferred tax liabilities. Return on tangible common equity (ROTCE) is calculated as net income available to common shareholders, adjusted for the amortization of acquisition-related intangible assets and any impairments, as a percentage of average tangible common equity. ROTCE is commonly used in the North American banking industry and is meaningful as a consistent measure of the performance of businesses, whether they were acquired or developed organically.
Adjusting Items
Adjusted results in the current quarter and prior periods excluded the following items:
- Impact of divestitures of
$1 $973 million after-tax) in the current quarter included the announced sale of BMO's Transportation Finance and Vendor Finance businesses resulting in a charge of$1 $962 million after-tax), primarily related to goodwill, as well as divestiture-related costs related to the announced sale of 138 branches in selectU.S . markets of$14 million ($10 million after-tax). Prior periods included costs related to the sale of branches of$26 million ($24 million after-tax) in Q2-2026 and$4 million ($3 million after-tax) in Q1-2026. Amounts are recorded in non-interest expense in Corporate Services. - Acquisition and integration costs of
$6 million $4 million $3 million $2 million $9 million $7 million $5 million $4 million $2 million $1 million $10 million $7 million - Amortization of acquisition-related intangible assets of
$94 million $69 million $93 million $70 million $96 million $71 million $93 million $69 million $109 million $81 million $106 million $79 million - Change in fair value of contingent consideration related to the acquisition of Burgundy, recorded in non-interest revenue in Wealth Management. The increase in contingent consideration and reduction in non-interest revenue was
$63 million $7 million $16 million U.S . Federal Deposit Insurance Corporation (FDIC) special assessment recorded in non-interest expense in Corporate Services. Q1-2026 included a partial reversal of a prior charge of$47 million ($35 million after-tax). Prior periods included a partial reversal of$5 million ($4 million after-tax) in Q3-2025, expenses of$5 million ($4 million after-tax) in Q2-2025 and a partial reversal of$7 million ($5 million after-tax) in Q1-2025.- Impact of aligning accounting policies for employee vacation across legal entities of
$96 million $70 million
Adjusting items in aggregate decreased net income by
Non-GAAP and Other Financial Measures (1)
TABLE 1 | |||||
(Canadian $ in millions, except as noted) | Q3-2026 | Q2-2026 | Q3-2025 | YTD-2026 | YTD-2025 |
Reported Results | |||||
Net interest income | 5,567 | 5,268 | 5,496 | 16,478 | 15,991 |
Non-interest revenue | 4,329 | 4,299 | 3,492 | 12,809 | 10,942 |
Revenue | 9,896 | 9,567 | 8,988 | 29,287 | 26,933 |
Provision for credit losses | 722 | 739 | 797 | 2,207 | 2,862 |
Non-interest expense | 6,678 | 5,330 | 5,105 | 17,761 | 15,551 |
Income before income taxes | 2,496 | 3,498 | 3,086 | 9,319 | 8,520 |
Provision for income taxes | 746 | 868 | 756 | 2,450 | 2,090 |
Net income | 1,750 | 2,630 | 2,330 | 6,869 | 6,430 |
Dividends on preferred shares and distributions on other equity instruments | 81 | 139 | 66 | 301 | 273 |
Net income (loss) attributable to non-controlling interest in subsidiaries | 2 | 4 | 3 | 5 | 9 |
Net income available to common shareholders | 1,667 | 2,487 | 2,261 | 6,563 | 6,148 |
Diluted EPS ($) | 2.38 | 3.53 | 3.14 | 9.30 | 8.47 |
Adjusting Items Impacting Revenue (Pre-tax) | |||||
Change in fair value of contingent consideration (2) | (63) | (7) | – | (86) | – |
Impact of adjusting items on revenue (pre-tax) | (63) | (7) | – | (86) | – |
Adjusting Items Impacting Non-Interest Expense (Pre-tax) | |||||
Acquisition and integration costs | (6) | (3) | (5) | (18) | (13) |
Amortization of acquisition-related intangible assets (3) | (94) | (93) | (93) | (283) | (308) |
Impact of divestitures | (1,106) | (26) | – | (1,136) | – |
FDIC special assessment | – | – | 5 | 47 | 7 |
Impact of alignment of accounting policies | – | – | – | – | (96) |
Impact of adjusting items on non-interest expense (pre-tax) | (1,206) | (122) | (93) | (1,390) | (410) |
Adjusting Items Impacting Revenue (After-tax) | |||||
Change in fair value of contingent consideration (2) | (63) | (7) | – | (86) | – |
Impact of adjusting items on revenue (after-tax) | (63) | (7) | – | (86) | – |
Adjusting Items Impacting Non-Interest Expense (After-tax) | |||||
Acquisition and integration costs | (4) | (2) | (4) | (13) | (10) |
Amortization of acquisition-related intangible assets (3) | (69) | (70) | (69) | (210) | (229) |
Impact of divestitures | (973) | (24) | – | (1,000) | – |
FDIC special assessment | – | – | 4 | 35 | 5 |
Impact of alignment of accounting policies | – | – | – | – | (70) |
Impact of adjusting items on non-interest expense (after-tax) | (1,046) | (96) | (69) | (1,188) | (304) |
Impact of adjusting items on reported net income (after-tax) | (1,109) | (103) | (69) | (1,274) | (304) |
Impact on diluted EPS ($) | (1.58) | (0.14) | (0.09) | (1.81) | (0.42) |
Adjusted Results | |||||
Net interest income | 5,567 | 5,268 | 5,496 | 16,478 | 15,991 |
Non-interest revenue | 4,392 | 4,306 | 3,492 | 12,895 | 10,942 |
Revenue | 9,959 | 9,574 | 8,988 | 29,373 | 26,933 |
Provision for credit losses | 722 | 739 | 797 | 2,207 | 2,862 |
Non-interest expense | 5,472 | 5,208 | 5,012 | 16,371 | 15,141 |
Income before income taxes | 3,765 | 3,627 | 3,179 | 10,795 | 8,930 |
Provision for income taxes | 906 | 894 | 780 | 2,652 | 2,196 |
Net income | 2,859 | 2,733 | 2,399 | 8,143 | 6,734 |
Net income available to common shareholders | 2,776 | 2,590 | 2,330 | 7,837 | 6,452 |
Diluted EPS ($) | 3.96 | 3.67 | 3.23 | 11.11 | 8.89 |
(1) | Adjusted results exclude certain items from reported results and are used to calculate our adjusted measures as presented in the table above. Refer to the commentary in this Non-GAAP and Other Financial Measures section for further information on adjusting items. |
(2) | Recorded in non-interest revenue. |
(3) | Represents amortization of acquisition-related intangible assets and any impairment. |
Summary of Reported and Adjusted Results by Operating Segment
TABLE 2 | |||||||
Wealth | Capital | Corporate | |||||
(Canadian $ in millions, except as noted) | Canadian P&C | Management | Markets | Services | Total Bank | (US$ in millions) | |
Q3-2026 | |||||||
Reported net income (loss) | 980 | 868 | 408 | 645 | (1,151) | 1,750 | 68 |
Dividends on preferred shares and distributions on | |||||||
other equity instruments | 12 | 15 | 2 | 15 | 37 | 81 | 16 |
Net income attributable to non-controlling interest in subsidiaries | – | 1 | – | – | 1 | 2 | 1 |
Net income (loss) available to common shareholders | 968 | 852 | 406 | 630 | (1,189) | 1,667 | 51 |
Acquisition and integration costs | – | – | 4 | – | – | 4 | – |
Amortization of acquisition-related intangible assets | 3 | 57 | 5 | 4 | – | 69 | 42 |
Change in fair value of contingent consideration | – | – | 63 | – | – | 63 | – |
Impact of divestitures | – | – | – | – | 973 | 973 | 684 |
Adjusted net income (loss) (2) | 983 | 925 | 480 | 649 | (178) | 2,859 | 794 |
Adjusted net income (loss) available to common shareholders (2) | 971 | 909 | 478 | 634 | (216) | 2,776 | 777 |
Q2-2026 | |||||||
Reported net income (loss) | 884 | 790 | 428 | 638 | (110) | 2,630 | 655 |
Dividends on preferred shares and distributions on | |||||||
other equity instruments | 11 | 14 | 1 | 15 | 98 | 139 | 15 |
Net income attributable to non-controlling interest in subsidiaries | – | 4 | – | – | – | 4 | 3 |
Net income (loss) available to common shareholders | 873 | 772 | 427 | 623 | (208) | 2,487 | 637 |
Acquisition and integration costs | – | – | 2 | – | – | 2 | – |
Amortization of acquisition-related intangible assets | 3 | 57 | 7 | 3 | – | 70 | 43 |
Change in fair value of contingent consideration | – | – | 7 | – | – | 7 | – |
Impact of divestitures | – | – | – | – | 24 | 24 | 18 |
Adjusted net income (loss) (2) | 887 | 847 | 444 | 641 | (86) | 2,733 | 716 |
Adjusted net income (loss) available to common shareholders (2) | 876 | 829 | 443 | 626 | (184) | 2,590 | 698 |
Q3-2025 | |||||||
Reported net income (loss) | 849 | 767 | 392 | 442 | (120) | 2,330 | 661 |
Dividends on preferred shares and distributions on | |||||||
other equity instruments | 12 | 15 | 1 | 11 | 27 | 66 | 3 |
Net income attributable to non-controlling interest in subsidiaries | – | 2 | – | – | 1 | 3 | 3 |
Net income (loss) available to common shareholders | 837 | 750 | 391 | 431 | (148) | 2,261 | 655 |
Acquisition and integration costs | – | – | 3 | – | 1 | 4 | 1 |
Amortization of acquisition-related intangible assets | 3 | 62 | – | 4 | – | 69 | 47 |
FDIC special assessment | – | – | – | – | (4) | (4) | (3) |
Adjusted net income (loss) (2) | 852 | 829 | 395 | 446 | (123) | 2,399 | 706 |
Adjusted net income (loss) available to common shareholders (2) | 840 | 812 | 394 | 435 | (151) | 2,330 | 700 |
YTD-2026 | |||||||
Reported net income (loss) | 2,812 | 2,400 | 1,188 | 1,940 | (1,471) | 6,869 | 1,438 |
Dividends on preferred shares and distributions on | |||||||
other equity instruments | 36 | 43 | 5 | 45 | 172 | 301 | 48 |
Net income attributable to non-controlling interest in subsidiaries | – | 3 | – | – | 2 | 5 | 3 |
Net income (loss) available to common shareholders | 2,776 | 2,354 | 1,183 | 1,895 | (1,645) | 6,563 | 1,387 |
Acquisition and integration costs | – | – | 13 | – | – | 13 | – |
Amortization of acquisition-related intangible assets | 9 | 174 | 17 | 10 | – | 210 | 131 |
Change in fair value of contingent consideration | – | – | 86 | – | – | 86 | – |
Impact of divestitures | – | – | – | – | 1,000 | 1,000 | 704 |
FDIC special assessment | – | – | – | – | (35) | (35) | (26) |
Adjusted net income (loss) (2) | 2,821 | 2,574 | 1,304 | 1,950 | (506) | 8,143 | 2,247 |
Adjusted net income (loss) available to common shareholders (2) | 2,785 | 2,528 | 1,299 | 1,905 | (680) | 7,837 | 2,196 |
(1) | |
(2) | Refer to the commentary in this Non-GAAP and Other Financial Measures section for details on adjusting items. |
Certain comparative figures have been reclassified to conform with the current period's presentation. | |
Summary of Reported and Adjusted Results by Operating Segment (Continued)
TABLE 2 (Continued) | |||||||
Wealth | Capital | Corporate | |||||
(Canadian $ in millions, except as noted) | Canadian P&C | Management | Markets | Services | Total Bank | (US$ in millions) | |
YTD-2025 | |||||||
Reported net income (loss) | 2,490 | 2,003 | 1,040 | 1,465 | (568) | 6,430 | 1,815 |
Dividends on preferred shares and distributions on | |||||||
other equity instruments | 35 | 46 | 4 | 31 | 157 | 273 | 9 |
Net income attributable to non-controlling interest in subsidiaries | – | 7 | – | – | 2 | 9 | 7 |
Net income (loss) available to common shareholders | 2,455 | 1,950 | 1,036 | 1,434 | (727) | 6,148 | 1,799 |
Acquisition and integration costs | – | – | 3 | – | 7 | 10 | 5 |
Amortization of acquisition-related intangible assets | 10 | 208 | – | 11 | – | 229 | 153 |
FDIC special assessment | – | – | – | – | (5) | (5) | (4) |
Impact of alignment of accounting policies | – | – | – | – | 70 | 70 | 25 |
Adjusted net income (loss) (2) | 2,500 | 2,211 | 1,043 | 1,476 | (496) | 6,734 | 1,994 |
Adjusted net income (loss) available to common shareholders (2) | 2,465 | 2,158 | 1,039 | 1,445 | (655) | 6,452 | 1,978 |
See previous page for footnote references. |
Certain comparative figures have been reclassified to conform with the current period's presentation. |
Caution |
This Non-GAAP and Other Financial Measures section contains forward-looking statements. Please refer to the Caution Regarding Forward-Looking Statements. |
Bank of Montreal's public communications often include written or oral forward-looking statements. Statements of this type are included in this document and may be included in other filings with Canadian securities regulators or the
By their nature, forward-looking statements require us to make assumptions and are subject to inherent risks and uncertainties, both general and specific in nature. There is significant risk that predictions, forecasts, conclusions or projections will not prove to be accurate, that our assumptions may not be correct, and that actual results may differ materially from such predictions, forecasts, conclusions or projections. We caution readers of this document not to place undue reliance on our forward-looking statements, as a number of factors – many of which are beyond our control and the effects of which can be difficult to predict – could cause actual future results, conditions, actions or events to differ materially from the targets, expectations, estimates or intentions expressed in the forward-looking statements.
The future outcomes that relate to forward-looking statements may be influenced by many factors, including, but not limited to: general economic and market conditions in the countries in which we operate, including labour challenges and changes in foreign exchange and interest rates; political conditions, including changes relating to, or affecting, economic or trade matters, including tariffs, countermeasures and tariff mitigation policies; changes to our credit ratings; cyber and information security, including the threat of data breaches, hacking, identity theft and corporate espionage, as well as the possibility of denial of service resulting from efforts targeted at causing system failure and service disruption; technology resilience, innovation and competition; technological change, including the use of data and artificial intelligence (AI) in our business, including generative AI; failure of third parties to comply with their obligations to us; disruptions of global supply chains; environmental and social risk, including climate change; the Canadian housing market and consumer leverage; inflationary pressures; changes in laws, including tax legislation and interpretation, or in supervisory expectations or requirements, including capital, interest rate and liquidity requirements and guidance, including if the bank were designated a global systemically important bank, and the effect of such changes on funding costs, liquidity and capital requirements; changes in monetary, fiscal or economic policy; weak, volatile or illiquid capital or credit markets; the level of competition in the geographic and business areas in which we operate; exposure to, and the resolution of, significant litigation or regulatory matters, our ability to successfully appeal adverse outcomes of such matters and the timing, determination and recovery of amounts related to such matters; the accuracy and completeness of the information we obtain with respect to our customers and counterparties; our ability to successfully execute our strategic plans, complete acquisitions or dispositions and integrate acquisitions, including obtaining regulatory approvals, and realize any anticipated benefits from such plans and transactions; critical accounting estimates and judgments, and the effects of changes in accounting standards, rules and interpretations on these estimates; operational and infrastructure risks, including with respect to reliance on third parties; global capital markets activities; the emergence or continuation of widespread health emergencies or pandemics, and their impact on local, national or international economies, as well as their heightening of certain risks that may affect our future results; the possible effects on our business of war or terrorist activities; natural disasters, such as earthquakes or flooding, and disruptions to public infrastructure, such as transportation, communications, power or water supply; and our ability to anticipate and effectively manage risks arising from all of the foregoing factors.
We caution that the foregoing list is not exhaustive of all possible factors. Other factors and risks could adversely affect our results. For further information, please refer to the discussion in the Risks That May Affect Future Results section, and the sections related to credit and counterparty, market, liquidity and funding, operational non-financial, legal and regulatory compliance, strategic, environmental and social, and reputation risk in the Enterprise-Wide Risk Management section of BMO's 2025 Annual Report, and the Risk Management section in our Third Quarter 2026 Report to Shareholders, all of which outline certain key factors and risks that may affect our future results. Investors and others should carefully consider these factors and risks, as well as other uncertainties and potential events, and the inherent uncertainty of forward-looking statements. We do not undertake to update any forward-looking statements, whether written or oral, that may be made from time to time by the organization or on its behalf, except as required by law. The forward-looking information contained in this document is presented for the purpose of assisting shareholders and analysts in understanding our financial position as at and for the periods ended on the dates presented, as well as our strategic priorities and objectives, and may not be appropriate for other purposes.
Material economic assumptions underlying the forward-looking statements contained in this document include those set out in the Economic Developments and Outlook section of BMO's 2025 Annual Report, as updated in the Economic Developments and Outlook section and the Risk Management – Geopolitical and Trade Developments section in our Third Quarter 2026 Report to Shareholders, as well as in the Allowance for Credit Losses section of BMO's 2025 Annual Report, as updated in the Allowance for Credit Losses section in our Third Quarter 2026 Report to Shareholders. Assumptions about the performance of the Canadian and
Investor Presentation Materials
Interested parties are invited to visit BMO's website at www.bmo.com/investorrelations to review the 2025 Annual MD&A and audited annual consolidated financial statements, quarterly presentation materials and supplementary financial and regulatory information package.
Quarterly Conference Call and Webcast Presentations
Interested parties are also invited to listen to our quarterly conference call on Tuesday, August 25, 2026, at 7:15 a.m. (ET). The call may be accessed by telephone at 647-557-5533 (from within
A live webcast of the call can be accessed on our website at www.bmo.com/investorrelations. A replay can also be accessed on the website.
Shareholder Dividend Reinvestment and Share Purchase Plan (DRIP) Common shareholders may elect to have their cash dividends reinvested in For dividend information, change in shareholder address or to advise of duplicate mailings, please contact Computershare Trust Company of 320 Bay Street, 14th Floor Telephone: 416-263-9200 Fax: 1-888-453-0330 E-mail: service@computershare.com | For other shareholder information, please contact Bank of Montreal Shareholder Services Corporate Secretary's Department 1 First Canadian Place, 9th Floor Telephone: 416-867-6785 E-mail: corp.secretary@bmo.com For further information on this document, please contact Bank of Montreal Investor Relations Department P.O. Box 1, 1 First Canadian Place, 37th Floor |
BMO's 2025 Annual MD&A, audited consolidated financial statements, Annual Information Form and annual report on Form 40-F (filed with the | |
Annual Meeting 2027 | |
The next Annual Meeting of Shareholders will be held on Wednesday, April 14, 2027. | |
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