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 fiscal year ended 31 October 2009, Bank of Montreal's interest income increased 10% to C$5.57B. Net interest income after LLP increased 6% to C$3.97B. Net income applicable to Common fell 12% to C$1.79B. Net interest income reflects a decrease in interest from loans & securities. Net income also reflects lower securities commission & fees and the presence of securities loss and a decrease in credir card fees.