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Bank of Montreal offers Market Linked Notes (Series K) — equity‑linked, auto‑callable securities due May 25, 2028. These notes reference the lowest performing of Keysight Technologies (KEYS), NextEra Energy (NEE) and Visa (V). The original offering price is $1,000 per security and the issuer’s estimated initial value on the pricing date was $958.33 per security. The notes pay a contingent coupon of 11.76% per annum (monthly) only when the lowest performing underlier on a calculation day is at or above its coupon threshold (50% of starting value). The notes are automatically called if the lowest performing underlier is at or above 90% of its starting value on specified monthly calculation days (August 2026–April 2028). If not called, maturity pays $1,000 unless the lowest performing underlier on the final calculation day is below its downside threshold (50% of starting value), in which case the maturity payment equals $1,000 × performance factor, exposing investors to loss of principal. Payments are unsecured obligations of Bank of Montreal and subject to its credit risk. Pricing date: May 22, 2026; issue date: May 28, 2026.
Bank of Montreal priced Market Linked Senior Medium-Term Notes (Series K) — equity-linked, auto-callable securities due May 25, 2029. The original offering price is $1,000 per security and the issuer’s estimated initial value on the pricing date was $931.29 per security. The securities pay a contingent coupon of 25.30% per annum monthly when the lowest-performing underlier on each calculation day is at or above its 50% coupon threshold. Starting values on the pricing date (May 22, 2026) were GOOGL $382.97, MU $751.00, and NVDA $215.33. If an automatic call occurs on a calculation day where the lowest-performing underlier is at or above its starting value, holders receive face amount plus accrued contingent coupon payments; otherwise, at maturity the holder may receive less than face amount depending on the lowest-performing underlier’s ending value, with full downside exposure below the 50% downside threshold. The agent discount is $23.25 per security and aggregate original offering price was $16,048,000. These are unsecured obligations of Bank of Montreal and subject to issuer credit risk and complex tax uncertainty.
Bank of Montreal is offering Senior Medium-Term Notes—equity index linked securities tied to the Nasdaq-100 Index® with a stated maturity date of June 2, 2028. The securities have a face amount of $1,000 per security and an original offering price of $1,000 per security.
The securities provide upside participation of 125% subject to a maximum return that will be at least 24.00% of face amount (at least $240), a downside buffer of 15% (threshold = 85% of starting value), and 1-to-1 downside exposure beyond the buffer. The calculation day is May 30, 2028 and the pricing date is May 29, 2026.
Bank of Montreal prices market-linked, auto-callable senior notes linked to NVDA, ORCL and UNH due June 1, 2029. These notes have a face amount of $1,000 per security, an estimated initial value of $960.60 and an original offering price of $1,000 per security. The contingent coupon rate will be set on the pricing date and will be at least 23.30% per annum. Monthly calculation days determine whether a contingent coupon is paid, and the notes are auto-callable if the lowest performing Underlier meets its call threshold on a calculation day. At maturity, if not called, repayment depends on the performance of the lowest performing Underlier: full face amount if its ending value is ≥ 60% of its starting value, otherwise a pro rata payment (example: 45% ending value → $450 per security). Payments are unsecured obligations of Bank of Montreal and subject to its credit risk.
Bank of Montreal reports updated earnings coverage ratios for the 12 months ended April 30, 2026 and October 31, 2025. Earnings before interest on subordinated indebtedness and income tax were $13,368.32 million for the April 2026 period and $11,989.87 million for the October 2025 period.
Interest coverage on subordinated indebtedness was 30.12 times for April 2026 compared with 26.32 times for October 2025. Grossed up dividend coverage on Class B preferred shares and other equity instruments was 25.74 times versus 23.63 times, and combined interest and dividend coverage was 14.13 times versus 12.70 times for the same comparative periods.
Bank of Montreal submitted a Form 6-K that incorporates its latest quarterly report for the period ended April 30, 2026 into existing SEC registration statements. The filing includes Section 302 certifications in which the CEO and CFO state that, to their knowledge, the report is accurate and fairly presents the bank’s financial condition.
They also describe their responsibilities for designing, evaluating, and maintaining disclosure controls and internal control over financial reporting, and for disclosing any significant deficiencies, material weaknesses, or fraud to the auditors and audit committee.
Bank of Montreal announced that its Board of Directors declared a quarterly common share dividend of $1.71 per share for the third quarter of fiscal 2026. This represents a 4 cent, or 2 percent, increase from the prior quarter and is up 5 percent from the prior year.
The common share dividend is payable on August 26, 2026 to shareholders of record on July 30, 2026. The Board also declared a dividend on Class B Preferred Shares Series 44, payable on August 25, 2026 to shareholders of record on July 30, 2026.
Both common and preferred dividends are designated as eligible dividends for Canadian tax purposes. Common shareholders may choose to reinvest cash dividends in additional common shares through BMO’s Shareholder Dividend Reinvestment and Share Purchase Plan, with shares purchased on the open market without a discount.
The Bank of Montreal is offering non‑interest bearing, principal‑at‑risk notes linked to the S&P 500® Index with $1,000 principal amounts per note. The notes may be automatically called on a call observation date (expected 12–14 months after trade date) for the principal plus a call premium (expected 10.31%–12.09%).
If not called, the stated maturity is expected at about 24 months and the maturity payment depends on index performance: positive participation equals a 150% upside participation rate on appreciation; negative performance results in a one‑for‑one loss of principal (you lose 1% of principal for each 1% the index declines). The issuer’s initial estimated value is expected to be $954.00–$984.00 per $1,000 principal amount; the notes are unsecured obligations of Bank of Montreal and are not FDIC‑insured.
BMO Financial Group reported strong growth for the second quarter ended April 30, 2026. Reported net income rose to $2,630 million, up 34% from $1,962 million a year earlier, while adjusted net income reached $2,733 million, also up 34%. Diluted EPS increased to $3.53 reported and $3.67 adjusted, reflecting higher revenue across Canadian and U.S. banking, Wealth Management and Capital Markets, and a lower provision for credit losses of $739 million versus $1,054 million.
Return on equity improved to 13.0% reported and 13.5% adjusted, and the quarterly dividend was raised to $1.71 per share, 5% above the prior year. The CET1 capital ratio was 13.0%. BMO also agreed to sell its Transportation Finance and Vendor Finance businesses to Stonepeak, expecting an approximate $1.1 billion pre-tax charge in fiscal 2026 and to retain a 19.9% equity interest in the new entity.
BMO Financial Group reported a strong second quarter of 2026 with sharply higher profit and earnings per share. Net income was $2,630 million, up 34% from $1,962 million a year earlier, while adjusted net income rose to $2,733 million, also up 34%. Diluted EPS increased to $3.53, up 41%, and adjusted EPS reached $3.67, up 40%. Reported return on equity improved to 13.0%, with adjusted ROE at 13.5%, reflecting higher revenue, lower credit losses and controlled expenses.
Provision for credit losses fell to $739 million from $1,054 million, and the total PCL ratio declined to 0.45%. BMO declared a quarterly common dividend of $1.71 per share, up 5% year-over-year and 2% sequentially, equivalent to $6.84 annually, and repurchased 6.0 million common shares at an average price of $193.47. Capital ratios remained robust, with a Common Equity Tier 1 Ratio of 13.0% and a TLAC Ratio of 29.0%. BMO also agreed to sell its Transportation Finance and Vendor Finance businesses to Stonepeak for cash plus an earn-out, retaining an approximate 19.9% equity interest and expecting a pre-tax charge of about $1.1 billion in the third quarter treated as an adjusting item.