Company Profile For Bank of Montreal

Bank of Montreal (BMO) is a diversified financial services provider. The Company operates through three segments: Personal and Commercial Banking Canada, Private Client Group and BMO Capital Markets (BMO CM). Personal and Commercial Banking Canada provides financial services to personal and commercial customers across Canada and in select markets in the United States. Private Client Group provides wealth management products and solutions to individuals and institutional segments. BMO Capital Markets offers clients financial and capital markets solutions to corporate, institutional and government clients primarily in Canada and the United States, as well as in the United Kingdom, Europe, Asia and Australia. During the fiscal year ended October 31, 2008, BMO completed the acquisition of Pyrford International plc, (Pyrford International), Ozaukee Bank, Merchants and Manufacturers Bancorporation, Inc., Griffin, Kubik, Stephens and Thompson Inc.

BRIEF: For the nine months ended 31 July 2009, Bank of Montreal's interest income fell 29% to C$7.95B. Net interest income after LLP fell 4% to C$2.91B. Net income applicable to Common fell 23% to C$1.06B. Net interest income reflects a decrease in interest from loans & securities, was partially offset by lower interest expense on deposits. Net income also reflects lower securities commission & fees and the presence of securities loss.

Bank of Montreal
100 King Street W, 21st floor
1 First Canadian Place
Toronto   ON   M5X 1A1
P: +1416.8675000
F: +1416.8673367

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