Numbers That Matter

Total Revenue ($ billions)

See Revenue in the 2008 Financial Performance Review (PDF, 404 KB) section of the MD&A

Non-Interest Expense ($ billions)

See Non-Interest Expense in the 2008 Financial Performance Review (PDF, 404 KB) section of the MD&A

Net Income ($ billions)

See Earnings per Share Growth in the Value Measures (PDF, 222 KB) section of the MD&A

Provision for Credit Losses as a % of Average Net Loans and Acceptances

Provision for credit losses includes changes in the general allowance.

See Provision for Credit Losses in the 2008 Financial Performance Review (PDF, 404 KB) section of the MD&A

Return on Equity (%)

BMO has generated a return on common shareholders’ equity of 13% or more in each of the past 19 years, the only major North American bank in our peer group to do so.

See Return on Equity in the Value Measures (PDF, 222 KB) section of the MD&A

Tier 1 Capital Ratio (%)

Basel I and Basel II measures are not comparable. The Tier 1 capital ratio under Basel I would be 9.41% for 2008.

See Enterprise-Wide Capital Management in the Financial Condition Review (PDF, 363 KB) section of the MD&A

Earnings per Share ($)

All earnings per share (EPS) measures in this report refer to diluted EPS, unless specified otherwise.

See Earnings per Share Growth in the Value Measures (PDF, 222 KB) section of the MD&A

Five-Year Average Annual Total Shareholder Return (%)

See Total Shareholder Return in the Value Measures (PDF, 222 KB) section of the MD&A

Dividends Declared ($ per share)

See Enterprise-Wide Capital Management in the Financial Condition Review (PDF, 363 KB) section of the MD&A

Average Training Days per Employee

(2004-2005 averages based on employee headcount, 2006-2008 averages based on full-time employee equivalent)

See Employees