Investor Presentaiton
Provision for Credit Losses (PCL)
PCL By Operating Group
($MM)
Q3'21
Q2'21
Q3'20
$
bps
$
bps
$
bps
PCL in bps
Total Canadian P&C
101
15
154
24
257
41
=4
94
89
88
Total U.S. P&C
(9)
(3)
6
2
109
35
37
BMO Wealth Management
0
(1)
1
2
1
1
19
13
35
38
29
BMO Capital Markets
(19)
(13)
(6)
(4)
79
45
14
5
Corporate Services
(2)
n.m.
0
n.m.
0
n.m.
Q2'20
Q3'20
Q4'20
Q1'21
Q2'21
Q3'21
PCL on Impaired Loans
71
6
155
13
446
38
PCL on Impaired Loans
-Total
PCL on Performing Loans
(141)
(12)
(95)
(8)
608
51
Total PCL
(70)
(6)
60
1,054 89
PCL on Impaired Loans as a
2.00%
% of Average Net Loans &
1.50%
Acceptances
•
BMO's PCL loss rates have
1.00%
been lower than peer
average over time
0.50%
BMO Financial Group
0.00%
PCL on Impaired Loans as a % of Avg. Net Loans &
Acceptances
0.52% Cdn Peer Historical Avg. (1990-2020)
0.38% BMO Historical Avg. (1990-2020)
0.20% Cdn. Peer Avg.
0.06% BMO
'90'91 '92'93 '94'95 '96'97 '98 '99 '00 '01'02 '03 '04 '05 '06 '07 '08 '09 '10'11'12 '13 '14 '15 '16 '17'18'19'20'21'21'21
BMO
BMO Historical Avg. (1990-2020)
----
Cdn Peers Avg.
Cdn Peers Historical Avg. (1990-2020)
Q1 Q2 Q3
Investor Presentation October 2021
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