Investor Presentation February 2024
Strong and stable balance sheet, capital and liquidity
Balance Sheet (As At)
Gross Loans &
Deposits ($B)
914
Total Assets ($B)
1,052
1,187
1,325
Acceptances ($B)
653
563
501
Book Value Per
Share ($)
83.66
94.23
96.88
787
705
372
■Total
318
Other
277
Deposits
Business and
Government
Customer
657
Deposits
■Total
Consumer
545
281
505
224
245
Q1'22 Q1'23 Q1'24
Q1'22 Q1'23 Q1'24
Capital & Liquidity
CET1 Ratio¹ (%)
18.2
14.1
12.8
11.5%
regulatory
expectation¹
Q1'22 Q1'23 Q1'24
Q1'22 Q1'23 Q1'24
Leverage Ratio² (%)
TLAC Ratio³ (%)
5.9
4.7
4.2
3.5%
regulatory
expectation²
37.2
28.7
27.6
25.0%
regulatory
expectation³
Liquidity Coverage
Ratio4
Q1'22 Q1'23 Q1'24
Q1'22 Q1'23 Q1'24
Prior period amounts have been reclassified to conform with the current period presentation
Q1'22 Q1'23 Q1'24
1 Common Equity Tier 1 (CET1) Ratio is disclosed in accordance with OSFI's Capital Adequacy Requirements (CAR) Guideline; regulatory minimum of 11.5% as at Q1'24, 11.0% as at Q1'23, 10.5% as at Q1'22.
2 Leverage Ratio is disclosed in accordance with OSFI's Leverage Requirements (LR) Guideline; regulatory minimum of 3.5% as at Q1'24, 3.0% as at Q1'23, 3.0% as at Q1'22
3 Total Loss Absorbing Capacity (TLAC) Ratio is disclosed in accordance with OSFI's Total Loss Absorbing Capacity (TLAC) Guideline; regulatory minimum of 25.0% as at Q1'24, 24.5% as at Q1'23, 24.0% at Q1'22.
4 Liquidity Coverage Ratio (LCR) is disclosed in accordance with OSFI's Liquidity Adequacy Requirements (LAR) Guideline; regulatory minimum of 100% for all periods shown
BMO M
144
129
129
Q1'22 Q1'23 Q1'24
100%
regulatory
expectation4
Investor Presentation ⚫ February 2024
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