Bank of Montreal (NYSE: BMO) leaders affirm controls

Rhea-AI Filing Summary

Bank of Montreal (BMO) furnished a Form 6-K primarily to provide CEO and CFO certifications for its quarterly report for the period ended July 31, 2026. The filing states that the report has been reviewed by the certifying officers and that it fairly presents, in all material respects, the bank’s financial condition, results of operations and cash flows.

The certifications describe responsibilities for establishing and maintaining disclosure controls and procedures and internal control over financial reporting, evaluating their effectiveness, and disclosing any material changes. They also confirm that significant deficiencies, material weaknesses, and any fraud involving key employees have been disclosed to auditors and the audit committee. The Form 6-K and its exhibit are incorporated by reference into certain effective registration statements.

Key Figures

Reporting period: Quarter ended July 31, 2026 Certification date (CEO): August 25, 2026 Certification date (CFO): August 25, 2026

3 metrics

Reporting period Quarter ended July 31, 2026 Period covered by the CEO and CFO certifications

Certification date (CEO) August 25, 2026 Date of Darryl White’s Section 302 certification

Certification date (CFO) August 25, 2026 Date of Rahul Nalgirkar’s Section 302 certification

Key Terms

disclosure controls and procedures, internal control over financial reporting, material weaknesses, significant deficiencies, +1 more

5 terms

disclosure controls and procedures regulatory

"responsible for establishing and maintaining disclosure controls and procedures"

Policies, routines and internal checks a public company uses to identify, collect and verify information that must appear in its financial reports and public filings, and to make sure that material news is disclosed accurately and on time. Investors care because effective controls increase confidence that the company’s reported numbers and disclosures are reliable and reduce the risk of surprises, much like a building’s inspection and alarm system helps occupants trust the structure’s safety.

internal control over financial reporting regulatory

"internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f)"

Internal control over financial reporting is a company’s system of procedures and checks designed to make sure its financial statements are accurate and complete, like a set of guardrails and verification steps that catch mistakes or fraud before numbers are published. Investors care because strong controls make reported results more trustworthy, lower the risk of surprise restatements or regulatory problems, and give greater confidence when valuing the company or comparing it to peers.

material weaknesses regulatory

"All significant deficiencies and material weaknesses in the design or operation"

Material weaknesses are significant flaws in a company’s systems for ensuring its financial reports are accurate and reliable. Like a broken lock on a safe, they increase the chance that financial statements contain big errors or omissions, which can mislead investors about performance and risk; discovering one often raises questions about management oversight, may lead to restated results, and can affect investor confidence and a company’s valuation.

significant deficiencies regulatory

"All significant deficiencies and material weaknesses in the design or operation"

Sarbanes-Oxley Act of 2002 regulatory

"as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002"

FAQ

What is the purpose of BMO’s August 25, 2026 Form 6-K filing?

The Form 6-K provides CEO and CFO certifications for Bank of Montreal’s quarterly report for the period ended July 31, 2026, addressing fair presentation of the financial statements, disclosure controls and procedures, and internal control over financial reporting.

Which period does BMO’s certified quarterly report cover (symbol BMO)?

The certified quarterly report of Bank of Montreal covers the period ended July 31, 2026. The CEO and CFO each state they have reviewed this report and that it fairly presents the bank’s financial condition, results of operations and cash flows for the periods presented.

What controls do BMO’s CEO and CFO describe in their certifications?

They describe responsibilities for disclosure controls and procedures and internal control over financial reporting, including designing these controls, evaluating their effectiveness, reporting conclusions in the quarterly report, and disclosing any material changes during the most recent fiscal quarter.

What internal control issues must BMO’s officers disclose under these certifications?

The CEO and CFO state they have disclosed to the auditors and audit committee all significant deficiencies and material weaknesses in internal control over financial reporting and any fraud, whether or not material, involving management or employees with significant internal control responsibilities.

How is this BMO Form 6-K used in relation to registration statements?

The Form 6-K states that its information and exhibits are incorporated by reference into certain Bank of Montreal registration statements that are on file with and declared effective by the SEC, so those registration statements are deemed to include these certifications.

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Form 6-K: How Foreign Companies Report to the SEC →

Available on EDGAR 08/25/2026 - 11:54 AM Accepted by SEC EDGAR 08/25/2026 - 11:54 AM Learn about SEC filing dates

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

Report of Foreign Private Issuer

Pursuant to Rule 13a-16 or 15d-16

of the Securities Exchange Act of 1934

For the month of: August, 2026 Commission File Number: 001-13354

BANK OF MONTREAL

(Name of Registrant)

100 King Street West
1 First Canadian Place		129 rue Saint-Jacques
Toronto, Ontario		Montreal, Quebec
Canada, M5X 1A1		Canada, H2Y 1L6
(Executive Offices)		(Head Office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F ☐   Form 40-F ☒

INCORPORATION BY REFERENCE

The information contained in this Form 6-K and any exhibits hereto shall be deemed filed with the Securities and Exchange Commission (“SEC”) solely for purposes of incorporation by reference into and as part of the following registration statements of the registrant on file with and declared effective by the SEC:

1. Registration Statement – Form F-3 – File No. 333-214934

2. Registration Statement – Form F-3 – File No. 333-285508

3. Registration Statement – Form S-8 – File No. 333-191591

4. Registration Statement – Form S-8 – File No. 333-180968

5. Registration Statement – Form S-8 – File No. 333-177579

6. Registration Statement – Form S-8 – File No. 333-177568

7. Registration Statement – Form S-8 – File No. 333-176479

8. Registration Statement – Form S-8 – File No. 333-175413

9. Registration Statement – Form S-8 – File No. 333-175412

10. Registration Statement – Form S-8 – File No. 333-113096

11. Registration Statement – Form S-8 – File No. 333-14260

12. Registration Statement – Form S-8 – File No. 33-92112

13. Registration Statement – Form S-8 – File No. 333-207739

14. Registration Statement – Form S-8 – File No. 333-237522

15. Registration Statement – Form S-8 – File No. 333-276007

EXHIBIT INDEX

Exhibit		Description of Exhibit
99.1		Officers’ Certificates Pursuant to Rule 13a-14 or Rule 15d-14 of the Securities Exchange Act of 1934

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

				BANK OF MONTREAL
				By:		/s/ Rahul Nalgirkar
				Name:		Rahul Nalgirkar
				Title:		Chief Financial Officer
Date: August 25, 2026				By:		/s/ Pascale Elharrar
				Name:		Pascale Elharrar
				Title:		Corporate Secretary

Exhibit 99.1

Certifications

Pursuant to Rule 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Darryl White, Chief Executive Officer of Bank of Montreal, certify that:

1.   I have reviewed the quarterly report for the period ended July 31, 2026 (the “report”) of Bank of Montreal (the “issuer”);

2.   Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.   Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the issuer as of, and for, the periods presented in this report;

4.   The issuer’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the issuer and have:

(a)  Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the issuer, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b)  Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c)  Evaluated the effectiveness of the issuer’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d)  Disclosed in this report any change in the issuer’s internal control over financial reporting that occurred during the issuer’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the issuer’s internal control over financial reporting; and

5.   The issuer’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the issuer’s auditors and the audit committee of the issuer’s board of directors (or persons performing the equivalent functions):

(a)  All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the issuer’s ability to record, process, summarize and report financial information; and

(b)  Any fraud, whether or not material, that involves management or other employees who have a significant role in the issuer’s internal control over financial reporting.

Date: August 25, 2026

/s/ Darryl White

Darryl White

Chief Executive Officer

Certifications

Pursuant to Rule 13a-14(a) or 15d-14(a) under the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

I, Rahul Nalgirkar, Chief Financial Officer of Bank of Montreal, certify that:

1.   I have reviewed the quarterly report for the period ended July 31, 2026 (the “report”) of Bank of Montreal (the “issuer”);

2.   Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.   Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the issuer as of, and for, the periods presented in this report;

4.   The issuer’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the issuer and have:

(a)  Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the issuer, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b)  Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c)  Evaluated the effectiveness of the issuer’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d)  Disclosed in this report any change in the issuer’s internal control over financial reporting that occurred during the issuer’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the issuer’s internal control over financial reporting; and

5.   The issuer’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the issuer’s auditors and the audit committee of the issuer’s board of directors (or persons performing the equivalent functions):

(a)  All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the issuer’s ability to record, process, summarize and report financial information; and

(b)  Any fraud, whether or not material, that involves management or other employees who have a significant role in the issuer’s internal control over financial reporting.

Date: August 25, 2026

/s/ Rahul Nalgirkar

Rahul Nalgirkar

Chief Financial Officer

Filing Exhibits & Attachments

1 document

Press Releases

• EX-99.1 EX-99.1 13.5 KB