Bank Of Montreal · TSX:BMO
Bank Of Montreal — BMO Financial Group — Morgan Stanley U.S. Financials, Payments & CRE Conference 2021
15 slides from Bank Of Montreal's conference presentation, Jun 14, 2021
Slide 1: Morgan Stanley U.S. Financials, Payments & CRE Conference
June 14, 2021 Darryl White, CEO Morgan Stanley U.S. Financials, Payments & CRE Conference
Slide 2: Forward looking statements & non-GAAP measures
Forward looking statements & non-GAAP measures ‘Caution Regarding Forward-Looking Statements Bank of Montreal's public communications often include written or oral forward-looking statements. Statements ofthis type are included in this document and may be included in other flings with Canadian secur
Slide 3: BMO Financial Group
BMO Financial Group A highly diversified financial services provider based in North America 8' largest bank in ali ali A $950 billion 12+ million N O rt h Am erica in total assets? customers globally by assets? Our Purpose Our Strategic Priorities Medium Term Objectives? Boldly Grow the Good > World
Slide 4: Advantaged, diversified business mix with strong, resilient revenue
Advantaged, diversified business mix with strong, resilient revenue Diversified by business Adjusted Net Income by geography - LTM' % of Operating Groups Net Revenue - LTM! Other 7% Canadian BMO Capital P&C Markets 33% & 24% canada s us. 56% af fo Canadian e Commercial Banking Global Markets Adjuste
Slide 5: Personal and Commercial Banking and Wealth Management footprint
• • • • • • Personal and Commercial Banking and Wealth Management footprint Additional Commercial Banking, Wealth Management and Capital Markets footprint
Slide 6: Strong financial performance
Strong financial performance Adjusted Pre-provision, Adjusted Efficiency ratio’ (%) Adjusted ROE’ and ROTCE (%) pre-tax earnings’? growth (%) 27.0 175 137 61.9 614 16.1 16.3 59.8 we 137 119 7.0 71 73 56.4 10.3 2018 2019 2020 = YTD 2021 2018 2019 2020. = YTD 2021 2018 2019 2020 ~~ YTD 2021 —®—Adjuste
Slide 7: Delivering strong shareholder returns
Delivering strong shareholder returns 192 year dividend track record F2020 15-year CAGR © ($ per share)! ; 4.06 4.24 4.24 -2@ * BMO has the longest-running dividend payout record of any company in Canada * Dividend Yield4: 3.3% 2.80 2.82 271 280 280 2.80 1.85 Total Shareholder Return (CAD, %) 75.9 3
Slide 8: Leading track record in risk management
Leading track record in risk management * Long track record of outperforming peers on credit, with 20-year historical average loss rates well below peer banks * Adjusted PPPT earnings would cover PCL rate of ~240bps", over six times the historical average * Prudent underwriting, consistent approach,
Slide 9: Strong balance sheet and capital position
Strong balance sheet and capital position Q2’21 CET1 Ratio of 13.0%, up 60bps Q/Q; Total Capital Ratio of 16.7% * Sound Q2’21 leverage and liquidity ratios ~ Leverage Ratio 5.1% Long term deposits / legacy senior debt! Credit Ratings - Liquidity Coverage Ratio 129% Senior debt A2 A AA (low) AA- Outl
Slide 10: Investing for growth across our businesses
Investing for growth across our businesses Canadian Personal & Commercial U.S. Personal & Commercial * PPPT! growth of 11% and adjusted ROE? of * Adjusted PPPT'? growth of 22% and adjusted 26.8% YTD, with revenue growth momentum ROE? of 16.4% YTD, with good revenue growth and disciplined focus on ex
Slide 11: Proven strength in Commercial Banking with advantaged market share
Proven strength in Commercial Banking with advantaged market share + Arelationship-based commercial bank; top 10 commercial lender’ in North America — In Canada: Top-tier commercial banking business, #2 market share for business loans up to $25 million2 — In the U.S.: Large, diversified national bus
Slide 12: Advancing our digital experience in-line with customer preferences
Advancing our digital experience in-line with customer preferences Strong digital foundation in place Accelerated Digital Engagement Delivering speed, efficiency and scale Digital adoption, % [orem nnn nnn nena nnn neem nnn nn nn en neem nnn eny 3 + Personalized, data-driven experiences, = + Leading
Slide 13: Our Purpose
Our Purpose BOLDLY GROW THE GOOD IN BUSINESS AND LIFE For a sustainable future For a thriving economy For an inclusive society > Declared Climate Ambition, a > Deployed ~US$1.5B in loans and > Recognized as one of the World's focused commitment to drive economic transformation toward a net zero worl
Slide 14: Reasons to Invest in BMO
Reasons to Invest in BMO * Diversified businesses that continue to deliver resilient and robust earnings growth and long- term value for shareholders * Strong foundation built for growth and differentiating strengths that drive competitive advantage: Top 10 commercial lender in North America with ad
Slide 15: E-mail:
E-mail: magazine Award winner Canada 2021
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