What did Bank of Montreal change in its amended Form 40-F/A related to BERZ?

The amendment to Bank of Montreal’s Form 40-F solely corrects the date of its Management’s Discussion and Analysis for the fiscal year ended October 31, 2025. It also provides an updated exhibit index, refiled MD&A as Exhibit 99.2, new CEO and CFO Section 302 certifications, and a new signature page, while leaving all other information in the original annual report unchanged.

Bank of Montreal (NYSE: BMO) amends Form 40-F to correct MD&A filing date

Q: How many Bank of Montreal common shares are reported outstanding in this 40-F/A filing for BERZ?

The filing reports that Bank of Montreal had 708,905,679 common shares outstanding as of the close of the period covered by the annual report, alongside multiple series of Class B Non-Viability Contingent Capital (NVCC) preferred shares.

Q: What capital note redemptions and issuances does Bank of Montreal disclose in this Form 40-F/A?

The document states that on November 12, 2025 the bank redeemed its Cdn$1,250 million 4.300% Limited Recourse Capital Notes Series 1 (NVCC) and the associated 1,250,000 Class B Preferred Shares Series 48 . It also notes that on July 29, 2025 the bank issued US$1 billion 6.875% Fixed Rate Reset Limited Recourse Capital Notes Series 6 , supported by trust assets that include US$1 billion of concurrently issued Class B Preferred Shares Series 55 (NVCC).

Q: Which securities of Bank of Montreal are listed on a U.S. exchange in this filing?

The filing shows that Bank of Montreal’s common shares trade under the symbol BMO on the New York Stock Exchange , as disclosed in the securities registration table.

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

40-F/A

Rhea-AI Filing Summary

Bank of Montreal filed Amendment No. 1 to its annual Form 40-F to correct the date on its Management’s Discussion and Analysis for the fiscal year ended October 31, 2025. The amendment adds an updated exhibit index, a refiled MD&A with the corrected date, new CEO and CFO certifications under Section 302 of the Sarbanes-Oxley Act, and a new signature page, while stating that no other part of the original annual report is amended, updated, or restated.

The cover disclosure shows 708,905,679 common shares outstanding, along with several series of Class B Non-Viability Contingent Capital preferred shares as of the period end. Footnotes note that on November 12, 2025, the bank redeemed its Cdn$1,250 million 4.300% Limited Recourse Capital Notes Series 1 together with 1,250,000 Class B Preferred Shares Series 48, and that on July 29, 2025, it issued US$1 billion 6.875% Fixed Rate Reset Limited Recourse Capital Notes Series 6 supported by US$1 billion of concurrently issued Class B Preferred Shares Series 55.

AI-generated analysis. How Rhea-AI works. Not financial advice.

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google

Accepted by SEC EDGAR 12/16/2025 - 07:28 PM

FAQ

How many Bank of Montreal common shares are reported outstanding in this 40-F/A filing for BERZ?

The filing reports that Bank of Montreal had 708,905,679 common shares outstanding as of the close of the period covered by the annual report, alongside multiple series of Class B Non-Viability Contingent Capital (NVCC) preferred shares.

What capital note redemptions and issuances does Bank of Montreal disclose in this Form 40-F/A?

The document states that on November 12, 2025 the bank redeemed its Cdn$1,250 million 4.300% Limited Recourse Capital Notes Series 1 (NVCC) and the associated 1,250,000 Class B Preferred Shares Series 48. It also notes that on July 29, 2025 the bank issued US$1 billion 6.875% Fixed Rate Reset Limited Recourse Capital Notes Series 6, supported by trust assets that include US$1 billion of concurrently issued Class B Preferred Shares Series 55 (NVCC).

Does this Bank of Montreal Form 40-F/A change any previously reported financial results for investors in BERZ?

No. The amendment explicitly states that, other than the corrected MD&A date and the associated updated exhibits and certifications, it does not amend, update, or restate any information in the original annual report and does not reflect events occurring after that original filing.

Which securities of Bank of Montreal are listed on a U.S. exchange in this filing?

The filing shows that Bank of Montreal’s common shares trade under the symbol BMO on the New York Stock Exchange, as disclosed in the securities registration table.

Who is the independent auditor for Bank of Montreal in this 40-F/A?

The independent registered public accounting firm identified in the filing is KPMG LLP, located in Toronto, Ontario, Canada, with PCAOB ID Number 85.

trueFY0000927971 0000927971 2024-10-31 0000927971 2025-10-31 0000927971 2024-11-01 2025-10-31 0000927971 bmo:OtherSectorMember 2023-11-01 2024-10-31 0000927971 bmo:OtherSectorMember 2024-11-01 2025-10-31 0000927971 bmo:ResidentialRealEstateLoanMember ifrs-full:CreditRiskMember 2024-11-01 2025-10-31 0000927971 bmo:ValueAtRiskMember ifrs-full:MarketRiskMember 2024-11-01 2025-10-31 0000927971 dei:BusinessContactMember 2024-11-01 2025-10-31 0000927971 bmo:ManufacturingSectorMember 2024-10-31 0000927971 bmo:DrawnMember bmo:OtherSectorMember 2024-10-31 0000927971 bmo:GovernmentSectorMember 2024-10-31 0000927971 bmo:RepoStyleTransactionsMember bmo:GovernmentSectorMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:OtherSectorMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:OilAndGasSectorMember 2024-10-31 0000927971 bmo:DrawnMember bmo:OilAndGasSectorMember 2024-10-31 0000927971 bmo:WholesaleTradeSectorMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:ManufacturingSectorMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:GovernmentSectorMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:OilAndGasSectorMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:OilAndGasSectorMember 2024-10-31 0000927971 bmo:DrawnMember bmo:ManufacturingSectorMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:ManufacturingSectorMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:ManufacturingSectorMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:GovernmentSectorMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:GovernmentSectorMember 2024-10-31 0000927971 bmo:RepoStyleTransactionsMember bmo:FinancialInstitutionsMember 2024-10-31 0000927971 bmo:FinancialInstitutionsMember 2024-10-31 0000927971 bmo:DrawnMember bmo:GovernmentSectorMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:FinancialInstitutionsMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:FinancialInstitutionsMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:FinancialInstitutionsMember 2024-10-31 0000927971 bmo:IndividualSectorMember 2024-10-31 0000927971 bmo:DrawnMember bmo:FinancialInstitutionsMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember 2024-10-31 0000927971 bmo:DrawnMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:IndividualSectorMember 2024-10-31 0000927971 bmo:DrawnMember bmo:IndividualSectorMember 2024-10-31 0000927971 bmo:RepoStyleTransactionsMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:OtherSectorMember 2024-10-31 0000927971 bmo:OtherSectorMember 2024-10-31 0000927971 bmo:UtilitiesSectorMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:OtherSectorMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:UtilitiesSectorMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:UtilitiesSectorMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:UtilitiesSectorMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:WholesaleTradeSectorMember 2024-10-31 0000927971 bmo:OilAndGasSectorMember 2024-10-31 0000927971 bmo:DrawnMember bmo:UtilitiesSectorMember 2024-10-31 0000927971 bmo:DrawnMember bmo:WholesaleTradeSectorMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:WholesaleTradeSectorMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:WholesaleTradeSectorMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:ServiceIndustriesSectorMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:ServiceIndustriesSectorMember 2024-10-31 0000927971 bmo:ServiceIndustriesSectorMember 2024-10-31 0000927971 bmo:RetailTradeSectorMember 2024-10-31 0000927971 bmo:DrawnMember bmo:ServiceIndustriesSectorMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:ServiceIndustriesSectorMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:RetailTradeSectorMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:RetailTradeSectorMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:RetailTradeSectorMember 2024-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:RealEstateSectorMember 2024-10-31 0000927971 bmo:RealEstateSectorMember 2024-10-31 0000927971 bmo:DrawnMember bmo:RetailTradeSectorMember 2024-10-31 0000927971 bmo:DrawnMember bmo:RealEstateSectorMember 2024-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:RealEstateSectorMember 2024-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:RealEstateSectorMember 2024-10-31 0000927971 bmo:NoMaturityMember 2024-10-31 0000927971 ifrs-full:NotLaterThanOneMonthMember 2024-10-31 0000927971 bmo:LaterThanSixMonthsAndNotLaterThanNineMonthsMember 2024-10-31 0000927971 ifrs-full:LaterThanThreeMonthsAndNotLaterThanSixMonthsMember 2024-10-31 0000927971 ifrs-full:LaterThanOneMonthAndNotLaterThanThreeMonthsMember 2024-10-31 0000927971 ifrs-full:LaterThanFiveYearsMember 2024-10-31 0000927971 ifrs-full:LaterThanTwoYearsAndNotLaterThanFiveYearsMember 2024-10-31 0000927971 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember 2024-10-31 0000927971 bmo:LaterThanNineMonthsAndNotLaterThanOneYearMember 2024-10-31 0000927971 bmo:HundredBasisPointIncreaseMember 2024-10-31 0000927971 bmo:HundredBasisPointDecreaseMember 2024-10-31 0000927971 ifrs-full:BottomOfRangeMember ifrs-full:EquityPriceRiskMember 2024-10-31 0000927971 ifrs-full:TopOfRangeMember ifrs-full:EquityPriceRiskMember 2024-10-31 0000927971 bmo:AverageMember ifrs-full:EquityPriceRiskMember 2024-10-31 0000927971 ifrs-full:EquityPriceRiskMember 2024-10-31 0000927971 bmo:AverageMember ifrs-full:CurrencyRiskMember 2024-10-31 0000927971 ifrs-full:CurrencyRiskMember 2024-10-31 0000927971 ifrs-full:BottomOfRangeMember ifrs-full:CurrencyRiskMember 2024-10-31 0000927971 ifrs-full:TopOfRangeMember ifrs-full:CurrencyRiskMember 2024-10-31 0000927971 ifrs-full:BottomOfRangeMember ifrs-full:InterestRateRiskMember 2024-10-31 0000927971 ifrs-full:TopOfRangeMember ifrs-full:InterestRateRiskMember 2024-10-31 0000927971 bmo:AverageMember ifrs-full:InterestRateRiskMember 2024-10-31 0000927971 ifrs-full:InterestRateRiskMember 2024-10-31 0000927971 bmo:AverageMember ifrs-full:RiskDiversificationEffectMember 2024-10-31 0000927971 ifrs-full:RiskDiversificationEffectMember 2024-10-31 0000927971 ifrs-full:BottomOfRangeMember ifrs-full:MarketRiskMember 2024-10-31 0000927971 ifrs-full:TopOfRangeMember ifrs-full:MarketRiskMember 2024-10-31 0000927971 bmo:AverageMember ifrs-full:MarketRiskMember 2024-10-31 0000927971 ifrs-full:MarketRiskMember 2024-10-31 0000927971 ifrs-full:BottomOfRangeMember ifrs-full:CommodityPriceRiskMember 2024-10-31 0000927971 ifrs-full:TopOfRangeMember ifrs-full:CommodityPriceRiskMember 2024-10-31 0000927971 bmo:AverageMember ifrs-full:CommodityPriceRiskMember 2024-10-31 0000927971 ifrs-full:CommodityPriceRiskMember 2024-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:NotLaterThanOneMonthMember 2024-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:LaterThanOneMonthAndNotLaterThanThreeMonthsMember 2024-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:LaterThanThreeMonthsAndNotLaterThanSixMonthsMember 2024-10-31 0000927971 bmo:CommitmentToExtendCreditMember bmo:LaterThanSixMonthsAndNotLaterThanNineMonthsMember 2024-10-31 0000927971 bmo:CommitmentToExtendCreditMember bmo:LaterThanNineMonthsAndNotLaterThanOneYearMember 2024-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember 2024-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:LaterThanTwoYearsAndNotLaterThanFiveYearsMember 2024-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:LaterThanFiveYearsMember 2024-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:NotLaterThanOneMonthMember 2024-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:LaterThanOneMonthAndNotLaterThanThreeMonthsMember 2024-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:LaterThanThreeMonthsAndNotLaterThanSixMonthsMember 2024-10-31 0000927971 bmo:LetterOfCreditMember bmo:LaterThanSixMonthsAndNotLaterThanNineMonthsMember 2024-10-31 0000927971 bmo:LetterOfCreditMember bmo:LaterThanNineMonthsAndNotLaterThanOneYearMember 2024-10-31 0000927971 bmo:CommitmentToExtendCreditMember 2024-10-31 0000927971 bmo:LetterOfCreditMember 2024-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember 2024-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:LaterThanTwoYearsAndNotLaterThanFiveYearsMember 2024-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:LaterThanFiveYearsMember 2024-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:NotLaterThanOneMonthMember 2024-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:LaterThanOneMonthAndNotLaterThanThreeMonthsMember 2024-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:LaterThanThreeMonthsAndNotLaterThanSixMonthsMember 2024-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember bmo:LaterThanSixMonthsAndNotLaterThanNineMonthsMember 2024-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember 2024-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember bmo:LaterThanNineMonthsAndNotLaterThanOneYearMember 2024-10-31 0000927971 bmo:OtherCommitmentsMember bmo:LaterThanSixMonthsAndNotLaterThanNineMonthsMember 2024-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:LaterThanThreeMonthsAndNotLaterThanSixMonthsMember 2024-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:LaterThanOneMonthAndNotLaterThanThreeMonthsMember 2024-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:NotLaterThanOneMonthMember 2024-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:LaterThanFiveYearsMember 2024-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:LaterThanTwoYearsAndNotLaterThanFiveYearsMember 2024-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember 2024-10-31 0000927971 bmo:OtherCommitmentsMember 2024-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:LaterThanFiveYearsMember 2024-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:LaterThanTwoYearsAndNotLaterThanFiveYearsMember 2024-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember 2024-10-31 0000927971 bmo:OtherCommitmentsMember bmo:LaterThanNineMonthsAndNotLaterThanOneYearMember 2024-10-31 0000927971 bmo:DerivativeAndRepoStyleTransactionsMember 2024-10-31 0000927971 bmo:ManufacturingSectorMember 2025-10-31 0000927971 bmo:GovernmentSectorMember 2025-10-31 0000927971 bmo:RepoStyleTransactionsMember bmo:GovernmentSectorMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:OtherSectorMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:OilAndGasSectorMember 2025-10-31 0000927971 bmo:DrawnMember bmo:OilAndGasSectorMember 2025-10-31 0000927971 bmo:WholesaleTradeSectorMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:OilAndGasSectorMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:OilAndGasSectorMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:ManufacturingSectorMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:ManufacturingSectorMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:ManufacturingSectorMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:GovernmentSectorMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:GovernmentSectorMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:GovernmentSectorMember 2025-10-31 0000927971 bmo:DrawnMember bmo:ManufacturingSectorMember 2025-10-31 0000927971 bmo:RepoStyleTransactionsMember bmo:FinancialInstitutionsMember 2025-10-31 0000927971 bmo:FinancialInstitutionsMember 2025-10-31 0000927971 bmo:DrawnMember bmo:GovernmentSectorMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:FinancialInstitutionsMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:FinancialInstitutionsMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:FinancialInstitutionsMember 2025-10-31 0000927971 bmo:DrawnMember bmo:IndividualSectorMember 2025-10-31 0000927971 bmo:RepoStyleTransactionsMember bmo:IndividualSectorMember 2025-10-31 0000927971 bmo:IndividualSectorMember 2025-10-31 0000927971 bmo:DrawnMember bmo:FinancialInstitutionsMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:IndividualSectorMember 2025-10-31 0000927971 bmo:RepoStyleTransactionsMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember 2025-10-31 0000927971 bmo:OtherSectorMember 2025-10-31 0000927971 bmo:DrawnMember 2025-10-31 0000927971 bmo:UtilitiesSectorMember 2025-10-31 0000927971 bmo:DrawnMember bmo:OtherSectorMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:OtherSectorMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:OtherSectorMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:UtilitiesSectorMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:UtilitiesSectorMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:UtilitiesSectorMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:WholesaleTradeSectorMember 2025-10-31 0000927971 bmo:OilAndGasSectorMember 2025-10-31 0000927971 bmo:DrawnMember bmo:UtilitiesSectorMember 2025-10-31 0000927971 bmo:DrawnMember bmo:WholesaleTradeSectorMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:WholesaleTradeSectorMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:WholesaleTradeSectorMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:ServiceIndustriesSectorMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:ServiceIndustriesSectorMember 2025-10-31 0000927971 bmo:ServiceIndustriesSectorMember 2025-10-31 0000927971 bmo:RetailTradeSectorMember 2025-10-31 0000927971 bmo:DrawnMember bmo:ServiceIndustriesSectorMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:ServiceIndustriesSectorMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:RetailTradeSectorMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:RetailTradeSectorMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:RetailTradeSectorMember 2025-10-31 0000927971 bmo:OverTheCounterDerivativesMember bmo:RealEstateSectorMember 2025-10-31 0000927971 bmo:RealEstateSectorMember 2025-10-31 0000927971 bmo:DrawnMember bmo:RetailTradeSectorMember 2025-10-31 0000927971 bmo:DrawnMember bmo:RealEstateSectorMember 2025-10-31 0000927971 bmo:UndrawnCommitmentsMember bmo:RealEstateSectorMember 2025-10-31 0000927971 bmo:OtherOffBalanceSheetItemsMember bmo:RealEstateSectorMember 2025-10-31 0000927971 bmo:ValueAtRiskMember ifrs-full:MarketRiskMember 2025-10-31 0000927971 ifrs-full:LaterThanOneMonthAndNotLaterThanThreeMonthsMember 2025-10-31 0000927971 ifrs-full:NotLaterThanOneMonthMember 2025-10-31 0000927971 ifrs-full:LaterThanTwoYearsAndNotLaterThanFiveYearsMember 2025-10-31 0000927971 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember 2025-10-31 0000927971 bmo:LaterThanNineMonthsAndNotLaterThanOneYearMember 2025-10-31 0000927971 bmo:LaterThanSixMonthsAndNotLaterThanNineMonthsMember 2025-10-31 0000927971 ifrs-full:LaterThanThreeMonthsAndNotLaterThanSixMonthsMember 2025-10-31 0000927971 bmo:NoMaturityMember 2025-10-31 0000927971 ifrs-full:LaterThanFiveYearsMember 2025-10-31 0000927971 country:CA 2025-10-31 0000927971 country:US 2025-10-31 0000927971 bmo:OtherJurisdicationsMember 2025-10-31 0000927971 bmo:HundredBasisPointIncreaseMember 2025-10-31 0000927971 country:US bmo:HundredBasisPointIncreaseMember 2025-10-31 0000927971 country:CA bmo:HundredBasisPointIncreaseMember 2025-10-31 0000927971 bmo:HundredBasisPointDecreaseMember 2025-10-31 0000927971 country:US bmo:HundredBasisPointDecreaseMember 2025-10-31 0000927971 country:CA bmo:HundredBasisPointDecreaseMember 2025-10-31 0000927971 ifrs-full:BottomOfRangeMember ifrs-full:EquityPriceRiskMember 2025-10-31 0000927971 ifrs-full:TopOfRangeMember ifrs-full:EquityPriceRiskMember 2025-10-31 0000927971 ifrs-full:BottomOfRangeMember ifrs-full:CurrencyRiskMember 2025-10-31 0000927971 ifrs-full:TopOfRangeMember ifrs-full:CurrencyRiskMember 2025-10-31 0000927971 bmo:AverageMember ifrs-full:CurrencyRiskMember 2025-10-31 0000927971 ifrs-full:CurrencyRiskMember 2025-10-31 0000927971 ifrs-full:BottomOfRangeMember ifrs-full:InterestRateRiskMember 2025-10-31 0000927971 ifrs-full:TopOfRangeMember ifrs-full:InterestRateRiskMember 2025-10-31 0000927971 bmo:AverageMember ifrs-full:InterestRateRiskMember 2025-10-31 0000927971 ifrs-full:InterestRateRiskMember 2025-10-31 0000927971 bmo:AverageMember ifrs-full:RiskDiversificationEffectMember 2025-10-31 0000927971 ifrs-full:RiskDiversificationEffectMember 2025-10-31 0000927971 ifrs-full:BottomOfRangeMember ifrs-full:MarketRiskMember 2025-10-31 0000927971 ifrs-full:TopOfRangeMember ifrs-full:MarketRiskMember 2025-10-31 0000927971 bmo:AverageMember ifrs-full:MarketRiskMember 2025-10-31 0000927971 ifrs-full:MarketRiskMember 2025-10-31 0000927971 bmo:AverageMember ifrs-full:CommodityPriceRiskMember 2025-10-31 0000927971 ifrs-full:CommodityPriceRiskMember 2025-10-31 0000927971 bmo:AverageMember ifrs-full:EquityPriceRiskMember 2025-10-31 0000927971 ifrs-full:EquityPriceRiskMember 2025-10-31 0000927971 ifrs-full:BottomOfRangeMember ifrs-full:CommodityPriceRiskMember 2025-10-31 0000927971 ifrs-full:TopOfRangeMember ifrs-full:CommodityPriceRiskMember 2025-10-31 0000927971 bmo:LetterOfCreditMember bmo:LaterThanNineMonthsAndNotLaterThanOneYearMember 2025-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:NotLaterThanOneMonthMember 2025-10-31 0000927971 bmo:LetterOfCreditMember 2025-10-31 0000927971 bmo:LetterOfCreditMember bmo:LaterThanSixMonthsAndNotLaterThanNineMonthsMember 2025-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:LaterThanThreeMonthsAndNotLaterThanSixMonthsMember 2025-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:LaterThanOneMonthAndNotLaterThanThreeMonthsMember 2025-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:NotLaterThanOneMonthMember 2025-10-31 0000927971 bmo:CommitmentToExtendCreditMember 2025-10-31 0000927971 bmo:CommitmentToExtendCreditMember bmo:NoMaturityMember 2025-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:LaterThanFiveYearsMember 2025-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:LaterThanTwoYearsAndNotLaterThanFiveYearsMember 2025-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember 2025-10-31 0000927971 bmo:CommitmentToExtendCreditMember bmo:LaterThanNineMonthsAndNotLaterThanOneYearMember 2025-10-31 0000927971 bmo:CommitmentToExtendCreditMember bmo:LaterThanSixMonthsAndNotLaterThanNineMonthsMember 2025-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:LaterThanThreeMonthsAndNotLaterThanSixMonthsMember 2025-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:LaterThanOneMonthAndNotLaterThanThreeMonthsMember 2025-10-31 0000927971 bmo:CommitmentToExtendCreditMember ifrs-full:NotLaterThanOneMonthMember 2025-10-31 0000927971 bmo:OtherCommitmentsMember bmo:LaterThanNineMonthsAndNotLaterThanOneYearMember 2025-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember 2025-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:LaterThanTwoYearsAndNotLaterThanFiveYearsMember 2025-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:LaterThanFiveYearsMember 2025-10-31 0000927971 bmo:OtherCommitmentsMember bmo:NoMaturityMember 2025-10-31 0000927971 bmo:OtherCommitmentsMember 2025-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember bmo:NoMaturityMember 2025-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember 2025-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:NotLaterThanOneMonthMember 2025-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:LaterThanOneMonthAndNotLaterThanThreeMonthsMember 2025-10-31 0000927971 bmo:OtherCommitmentsMember ifrs-full:LaterThanThreeMonthsAndNotLaterThanSixMonthsMember 2025-10-31 0000927971 bmo:OtherCommitmentsMember bmo:LaterThanSixMonthsAndNotLaterThanNineMonthsMember 2025-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember bmo:LaterThanNineMonthsAndNotLaterThanOneYearMember 2025-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember 2025-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:LaterThanTwoYearsAndNotLaterThanFiveYearsMember 2025-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:LaterThanFiveYearsMember 2025-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember bmo:LaterThanSixMonthsAndNotLaterThanNineMonthsMember 2025-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:LaterThanThreeMonthsAndNotLaterThanSixMonthsMember 2025-10-31 0000927971 bmo:BackstopLiquidityFacilitiesMember ifrs-full:LaterThanOneMonthAndNotLaterThanThreeMonthsMember 2025-10-31 0000927971 bmo:LetterOfCreditMember bmo:NoMaturityMember 2025-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:LaterThanFiveYearsMember 2025-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:LaterThanTwoYearsAndNotLaterThanFiveYearsMember 2025-10-31 0000927971 bmo:LetterOfCreditMember ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember 2025-10-31 0000927971 bmo:DerivativeAndRepoStyleTransactionsMember 2025-10-31 0000927971 bmo:ExceptionsToTradingBookMarketCapitalizedAsPerStandardisedApproachMember 2025-10-31 iso4217:CAD xbrli:pure utr:Day xbrli:shares

U.S. Securities and Exchange Commission

Washington, D.C. 20549

Form

40-F/A

(Amendment No. 1)

[Check one]

☐	Registration statement pursuant to Section 12 of the Securities Exchange Act of 1934

☒	Annual report pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934


For the fiscal year ended October 31, 2025		Commi ssion File Number 001-13354

BANK OF MONTREAL

(Exact name of Registrant as specified in its charter)

Not Applicable

(Translation of Registrant’s name into English (if applicable))

Canada

(Province or other jurisdiction of incorporation or organization)

6029

(Primary Standard Industrial Classification Code Number (if applicable))

13-4941092

(I.R.S. Employer Identification Number (if applicable))

100 King Street West, 1 First Canadian Place, Toronto, Ontario, Canada M5X 1A1

(416-867-6785)

(Address and telephone number of Registrant’s principal executive offices)

Sajida Ali, Bank of Montreal, 320 S. Canal Street, 7th Floor, Chicago, Illinois

60606

(312-519-1023)

(Name, address (including zip code) and telephone number (including area code)

of agent for service in the United States)

Securities registered or to be registered pursuant to Section 12(b) of the Securities Exchange Act of 1934 (“Exchange Act”):


Title Of Each Class	Trading Symbol	Name Of Each Exchange On Which Registered
Common Shares	BMO	New York Stock Exchange

Securities registered or to be registered pursuant to Section 12(g) of the Exchange Act:

Not Applicable

Securities for which there is a reporting obligation pursuant to Section 15(d) of the Exchange Act:

Not Applicable

For annual reports, indicate by check mark the information filed with this Form:

☐ Annual information form ☐ Audited annual financial statements

Indicate the number of outstanding shares of each of the issuer’s classes of capital or common stock as of the close of the period covered by the annual report.


Common Shares			708,905,679
Class B Preferred Shares Series 44 (Non-Viability Contingent Capital (NVCC))			16,000,000
Class B Preferred Shares Series 48 (Non-Viability Contingent Capital (NVCC)) 1			1,250,000
Class B Preferred Shares Series 49 (Non-Viability Contingent Capital (NVCC))			750,000
Class B Preferred Shares Series 50 (Non-Viability Contingent Capital (NVCC))			500,000
Class B Preferred Shares Series 51 (Non-Viability Contingent Capital (NVCC))			1,000,000
Class B Preferred Shares Series 52 (Non-Viability Contingent Capital (NVCC))			650,000
Class B Preferred Shares Series 53 (Non-Viability Contingent Capital (NVCC))			1,000,000
Class B Preferred Shares Series 54 (Non-Viability Contingent Capital (NVCC))			750,000
Class B Preferred Shares Series 55 (Non-Viability Contingent Capital (NVCC)) 2			1,000,000

On November 12, 2025, the Bank redeemed all of its Cdn$1,250 million 4.300% Limited Recourse Capital Notes Series 1

(Non-Viability

Contingent Capital (NVCC)) together with all of its 1,250,000 Class B Preferred Shares Series 48

(Non-Viability

Contingent Capital (NVCC)).

On July 29, 2025, the Bank issued US$1 billion 6.875% Fixed Rate Reset Limited Recourse Capital Notes Series 6

(Non-Viability

Contingent Capital (NVCC)) (“LRCN 6”). Upon the occurrence of a recourse event, the noteholders will have recourse to assets held in a consolidated trust managed by a third party trustee. The trust assets include US$1 billion of BMO issued

Non-Cumulative

5-Year

Fixed Rate Reset Class B Preferred Shares Series 55

(Non-Viability

Contingent Capital (NVCC)) issued concurrently with the LRCN 6.

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Exchange Act during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days.

Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation

S-T

(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the Registrant was required to submit such files).

Yes ☒ No ☐

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule

12b-2

of the Exchange Act.

Emerging growth company ☐

If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards† provided pursuant to Section 13(a) of the Exchange Act. ☐

† The term “new or revised financial accounting standard” refers to any update issued by the Financial Accounting Standards Board to its Accounting

Standards Codification after April 5, 2012.

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.

Yes ☒ No ☐

If securities are registered pursuant to Section 12(b) of the Exchange Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to

§240.10D-1(b). ☐

Auditor Name: KPMG LLP

Auditor Location: Toronto, Ontario, Canada

Auditor PCAOB ID Number: 85

EXPLANATORY NOTE

This Amendment No. 1 (this “Amendment”) amends the Annual Report on Form

40-F

of Bank of Montreal (the “Bank”) originally filed with the Securities and Exchange Commission (“SEC”) on December 4, 2025 (the “Original Annual Report”), solely to correct the date of the Bank’s Management’s Discussion and Analysis for the Fiscal Year Ended October 31, 2025. This Amendment consists solely of (i) a Cover Page, (ii) this Explanatory Note, (iii) an updated Exhibit Index, (iv) a “Management’s Discussion and Analysis for the Fiscal Year Ended October 31, 2025”, amended solely to correct the date thereof, filed as Exhibit 99.2 hereto, (v) new certifications required by Rule

13a-14(a)

or Rule

15d-14(a)

under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), filed as Exhibits 99.5 and 99.6 hereto, and (vi) a signature page.

Other than as expressly set forth herein, this Amendment does not, and does not purport to, amend, update, or restate the information in any item of the Original Annual Report or reflect any events that have occurred after the Original Annual Report was filed. Accordingly, this Amendment should be read in conjunction with the Original Annual Report.

EXHIBIT INDEX


Exhibits		Description

97.1 *		Bank of Montreal Clawback and Recoupment Policy (incorporated by reference to Exhibit 97.1 of the Bank’s Annual Report on Form 40-F filed with the Commission on December 1, 2023)

99.1 *		Annual Information Form

99.2		Management’s Discussion and Analysis for the Fiscal Year Ended October 31, 2025

99.3 *		Consolidated Financial Statements for the Fiscal Year Ended October 31, 2025

99.4 *		Consent of Independent Registered Public Accounting Firm dated December 4, 2025

99.5		Certifications of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

99.6		Certifications of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

99.7 *		Certifications pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

99.8 *		Code of Conduct (incorporated by reference to the Bank’s Current Report on Form 6-K furnished to the Commission on March 4, 2024)

101 *		Inline Interactive Data File (the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document)

104 *		Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)

* Previously filed.

SIGNATURES

Pursuant to the requirements of the Exchange Act, the Registrant certifies that it meets all of the requirements for filing on Form

40-F

and has duly caused this Amendment to the Original Annual Report to be signed on its behalf by the undersigned, thereto duly authorized.

Registrant: BANK OF MONTREAL


By:		/s/ Tayfun Tuzun
		Tayfun Tuzun
		Chief Financial Officer

Date: December 16, 2025

Source: View Original Filing on SEC EDGAR

Bank of Montreal (NYSE: BMO) amends Form 40-F to correct MD&A filing date

Rhea-AI Filing Summary

Positive

Negative

FAQ

How many Bank of Montreal common shares are reported outstanding in this 40-F/A filing for BERZ?

What capital note redemptions and issuances does Bank of Montreal disclose in this Form 40-F/A?

Does this Bank of Montreal Form 40-F/A change any previously reported financial results for investors in BERZ?

Which securities of Bank of Montreal are listed on a U.S. exchange in this filing?

Who is the independent auditor for Bank of Montreal in this 40-F/A?