Annual Report 2016

Financial Snapshot

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These figures appear in the Financial Snapshot and Management’s Discussion & Analysis including Supplemental Information sections of the Annual Report.

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Reported Results
 

(1) Commencing in the first quarter of 2015, insurance claims, commissions and changes in policy benefit liabilities (CCPB) are reported separately. They were previously reported as a reduction in insurance revenue in non-interest revenue. Prior period amounts have been reclassified.

Revenue (1) 17,103 16,830 18,223 19,389 21,087
Insurance claims, commissions and changes in policy benefit liabilities (CCPB) (1) 1,174 767 1,505 1,254 1,543
Revenue, net of CCPB (1) 15,929 16,063 16,718 18,135 19,544
Provision for credit losses 764 587 561 612 815
Non-interest expense 10,135 10,226 10,921 12,182 12,997
Net income 4,156 4,195 4,333 4,405 4,631
Adjusted Results (1)
 

(1) Adjusted results are non-GAAP and discussed in the Non-GAAP Measures (PDF, 34 KB) section of the MD&A.

(2) Commencing in the first quarter of 2015, insurance claims, commissions and changes in policy benefit liabilities (CCPB) are reported separately. They were previously reported as a reduction in insurance revenue in non-interest revenue. Prior period amounts have been reclassified.

Revenue (2) 16,040 16,139 18,223 19,391 21,171
Insurance claims, commissions and changes in policy benefit liabilities (CCPB) (2) 1,174 767 1,505 1,254 1,543
Revenue, net of CCPB (2) 14,866 15,372 16,718 18,137 19,628
Provision for credit losses 470 357 561 612 815
Non-interest expense 9,410 9,755 10,761 11,819 12,544
Net income 4,059 4,223 4,453 4,681 5,020

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Reported Results
 
Earnings per share – diluted ($) 6.10 6.17 6.41 6.57 6.92
Adjusted Results (1)
 

(1) Adjusted results are non-GAAP and discussed in the Non-GAAP Measures (PDF, 34 KB) section of the MD&A.

Earnings per share – diluted ($) 5.95 6.21 6.59 7.00 7.52

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Reported Results
 

n/a – not applicable

One-year total shareholder return 5.2% 28.8% 17.1% -3.0% 17.0%
Three-year average annual total shareholder return 10.8% 11.5% 16.7% 13.5% 9.9%
Five-year average annual total shareholder return 4.2% 17.0% 15.5% 9.5% 12.5%
Return on equity 15.9% 14.9% 14.0% 12.5% 12.1%
Common Equity Tier 1 Ratio n/a 9.9% 10.1% 10.7% 10.1%
Adjusted Results (1)
 

(1) Adjusted results are non-GAAP and discussed in the Non-GAAP Measures (PDF, 34 KB) section of the MD&A.

(2) Total shareholder returns and Common Equity Tier 1 (CET1) Ratio measures are the same in both as reported and adjusted views.

n/a – not applicable

One-year total shareholder return (2) 5.2% 28.8% 17.1% -3.0% 17.0%
Three-year total shareholder return (2) 10.8% 11.5% 16.7% 13.5% 9.9%
Five-year total shareholder return (2) 4.2% 17.0% 15.5% 9.5% 12.5%
Return on equity 15.5% 15.0% 14.4% 13.3% 13.1%
Common Equity Tier 1 Ratio (2) n/a 9.9% 10.1% 10.7% 10.1%

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Reported Results
 

(1) BMO Financial Group results include the results of Corporate Services, which are not separately disclosed above.

Canadian P&C 2,015 2,105 2,207
U.S. P&C 656 829 1,081
Wealth Management 780 850 762
BMO Capital Markets 1,074 1,029 1,268
BMO Financial Group (1) 4,333 4,405 4,631
U.S. P&C (US$ in millions) 599 661 817
Adjusted Results (1)
 

(1) Adjusted results are non-GAAP and discussed in the Non-GAAP Measures (PDF, 34 KB) section of the MD&A.

(2) BMO Financial Group results include the results of Corporate Services, which are not separately disclosed above.

Canadian P&C 2,019 2,109 2,209
U.S. P&C 708 882 1,131
Wealth Management 843 955 863
BMO Capital Markets 1,075 1,031 1,269
BMO Financial Group (2) 4,453 4,681 5,020
U.S. P&C (US$ in millions) 646 703 854
 

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