TORONTO, ONTARIO–(Marketwire – December 4, 2012) – BMO Financial Group (TSX:BMO)(NYSE:BMO) and BMO Bank of Montreal –

  Financial Results Highlights(1):

  Fiscal 2012 Compared with Fiscal 2011:

  ·Net income of $4,189 million, up $1,075 million or 35%

  ·Adjusted net income(2) of $4,092 million, up $817 million or 25%

  ·EPS(3) of $6.15, up 27%

  ·Adjusted EPS(2)(3) of $6.00, up 18%

 

  TORONTO, ONTARIO–(Marketwire – December 4, 2012) – BMO Financial Group (TSX:BMO)(NYSE:BMO) and BMO Bank of Montreal –

  Financial Results Highlights(1):

  Fiscal 2012 Compared with Fiscal 2011:

  ·Net income of $4,189 million, up $1,075 million or 35%

  ·Adjusted net income(2) of $4,092 million, up $817 million or 25%

  ·EPS(3) of $6.15, up 27%

  ·Adjusted EPS(2)(3) of $6.00, up 18%

  ·Provisions for credit losses of $765 million; adjusted provisions of $471 million, down $637 million

  ·Common Equity Ratio increases to 10.5% using a Basel II approach

  Fourth Quarter 2012 Compared with Fourth Quarter 2011:

  ·Net income of $1,082 million, up $314 million or 41%

  ·Adjusted net income(2) of $1,125 million, up $293 million or 35%

  ·EPS(3) of $1.59, up 43%

  ·Adjusted EPS(2)(3) of $1.65, up 38%

  ·ROE of 15.6%, compared with 12.7%

  ·Adjusted ROE(2) of 16.3%, compared with 13.9%

  ·Provisions for credit losses of $192 million; adjusted provisions of $113 million, down $168 million

  For the fourth quarter ended October 31, 2012, BMO Financial Group reported strong net income of $1,082 million or $1.59 per share. On an adjusted basis, net income was $1,125 million or $1.65 per share. For fiscal 2012, net income was $4,189 million and EPS was $6.15. Adjusted net income was $4,092 million and adjusted EPS was $6.00.

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