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Financial Snapshot

For the year ended October 31 (Canadian $ in millions, except as noted) 2010 2009 2008
1 This is a non-GAAP measure. Please see the Non-GAAP Measures (PDF, 45 KB) section of the MD&A.
Revenue 12,210 11,064 10,205
Total provision for credit losses 1,049 1,603 1,330
Non-interest expense 7,590 7,381 6,894
Net income 2,810 1,787 1,978
 
Earnings per share – diluted ($) 4.75 3.08 3.76
Return on equity (ROE) 14.9% 9.9% 13.0%
Cash Operating leverage1 7.5% 1.3% 4.7%
Tier 1 Capital Ratio 13.45% 12.24% 9.77%
 
Net Income by Segment
P&C Canada 1,644 1,415 1,153
P&C U.S. 175 286 242
Private Client Group 470 359 426
BMO Capital Markets 820 873 568
Corporate Services, including Technology and Operations (T&O) (299) (1,146) (411)
Net Income 2,810 1,787 1,978

2010 Performance

Total Shareholder Return (%) – 2006: 24.1; 2007:-5.8; 2008:-27.9; 2009: 25.1; 2010: 26.4. 5.9% Total Shareholder return over 5 years.

Total Shareholder Return (TSR) (%)

BMO’s one-year TSR was 26.4%, providing an annual shareholder return in the top tier of our Canadian peer group – for the second consecutive year.

  • $2.8billion

    BMO Financial Group Net Income

    Net income rose by 57%, or more than $1 billion, driven by reduced provisions for credit losses and stronger results in P&C Canada.

  • 10.4%

    2010 Revenue Growth

    Revenue rose by more than $1.1 billion, or 10.4%, after having grown 8.4% and 9.2% in the past two years, demonstrating the benefits of our diversified business mix.

  • 13.45%

    Tier 1 Capital Ratio

    The Tier 1 Capital Ratio increased from 12.24% in 2009, providing greater operational and strategic flexibility.

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