Bank of Montreal - 40-F annual report 2024

falseFY0000927971These amounts are either supported by insured mortgages or issued by U.S. agencies and government-sponsored enterprises. NHA refers to the National Housing Act, MBS refers to mortgage-backed securities and CMO refers to collateralized mortgage obligations.All amounts presented based on contractual amounts outstanding at October 31, 2023, with the exception of securities, recorded in non-derivative assets, presented based on carrying value.Notional amounts represent the amount to which a rate or price is applied in order to calculate the amount of cash that must be exchanged under the contract. Notional amounts do not represent assets or liabilities and therefore are not recorded in our Consolidated Balance Sheet.Includes certain cross-currency swap positions where both the pay and receive legs referenced a CDOR or BA rate. For those derivatives, the table above includes the notional amounts for both the pay and receive legs in the relevant columns aligning with the CDOR or BA rate exposure.Excludes personal lines of credit and credit cards that are unconditionally cancellable at our discretion. A large majority of these commitments expire without being drawn upon. As a result, the total contractual amounts may not be representative of the funding likely to be required for these commitments.Includes loan commitments where our customers have the option to draw from their facility in multiple currencies. Amounts drawn will be subject to prevailing IBORs for the foreign currency, including those that are in scope of IBOR reform.Commitments include backstop liquidity facilities provided by the bank to external parties.Gains (losses) on these securities may be offset by certain (losses) gains from changes in insurance-related liabilities, as described above under Securities Designated at FVTPL.Includes $0 million of assets that have been pledged supporting FHLB activity ($41,510 million as at October 31, 2023).Includes NHA MBS of $0 million, which are included in loans in our Consolidated Balance Sheet ($4,481 million as at October 31, 2023).Includes on-balance sheet securities borrowed or purchased under resale agreements and off-balance sheet collateral received.Includes the fair value of bond futures in fair value hedges rounded down to $nil million as at October 31, 2024 ($nil million as at October 31, 2023).The fair values of hedging derivatives wholly or partially offset the changes in fair values of the related on-balance sheet financial instruments.Replacement cost and credit risk equivalent are presented after the impact of master netting agreements and calculated using the Standardized Approach for Counterparty Credit Risk (SA-CCR) in accordance with the CAR Guideline issued by OSFI. The table therefore excludes loan commitment derivatives.Includes interest income on securities measured at fair value through other comprehensive income (FVOCI) and amortized cost, calculated using the effective interest rate method, of $7,826 million for the year ended October 31, 2024 ($6,027 million in 2023).The carrying values of securities that are part of fair value hedging relationships are adjusted for related gains (losses) on hedge contracts.Represents unrealized gains (losses) recorded as part of derivative instruments in assets and liabilities, respectively, in our Consolidated Balance Sheet.Includes derivatives entered into in relation to our acquisition of Bank of the West and its subsidiaries, which were settled upon completion of the transaction. Refer to Note 10 for further details.Represents life to date amounts.Includes the fair value of bond futures rounded down to $nil million as at October 31, 2024.Represents the unrealized gains (losses) within derivative instruments in assets and liabilities, respectively, in our Consolidated Balance Sheet.Represents the carrying value in our Consolidated Balance Sheet and includes amortized cost, before ACL, plus fair value hedge adjustments, except for FVOCI securities that are carried at fair value.On closing our acquisition of Bank of the West on February 1, 2023, we settled the foreign exchange forward contracts entered to mitigate foreign exchange risk of the purchase price of Bank of the West and reclassified an after-tax gain of $269 million to goodwill. Refer to Note 10 for further details.Tax balance related to net investment hedges accumulated other comprehensive income was $593 million as at October 31, 2024 ($555 million as at October 31, 2023).Tax balance related to cash flow hedges accumulated other comprehensive income was $527 million as at October 31, 2024 ($2,029 million as at October 31, 2023).FVTPL securities include $969 million of Federal Home Loan Bank (FHLB) and Federal Reserve Bank equity and $587 million of investments in LIHTC entities, acquired as a result of our acquisition of Bank of the West in 2023.Interest expense for liabilities carried at fair value is $2,774 million for the year ended October 31, 2024 ($2,274 million for the year ended October 31, 2023). Interest expense for liabilities carried at amortized cost is $43,743 million for the year ended October 31, 2024 ($34,619 million for the year ended October 31, 2023).Other liabilities include certain investment contract liabilities and segregated fund liabilities in our insurance business, as well as certain securitization and structured entities’ liabilities measured at FVTPL.In computing diluted earnings per common share, we excluded average stock options outstanding of 3,220,995 with a weighted-average exercise price of $130.33 for the year ended October 31, 2024 (2,204,402 with a weighted-average exercise price of $135.69 for the year ended October 31, 2023), as the average share price in each of the two years did not exceed the exercise price.Gold contracts are included in foreign exchange contracts.Commitments to extend credit exclude personal lines of credit and credit cards that are unconditionally cancellable at our discretion.The fair value of the related derivatives included in our Consolidated Balance Sheet was $8 million as at October 31, 2024 ($3 million as at October 31, 2023).Other commitments include $4,511 million as at October 31, 2024 ($5,611 million as at October 31, 2023) of underwriting commitments that are extended but not yet accepted by the borrower.Includes off-balance sheet securities borrowing and lending.Other assets include precious metals, segregated fund assets and investment properties in our insurance business, carbon credits, certain receivables and other items measured at fair value. We completed a buyout of our UK pension plan in the fourth quarter of 2024 whereby we transferred our defined benefit obligations and an equal amount of plan assets to a third-party insurer, who has assumed the responsibility of administering payments to the plan members. We do not have any further involvement in the plan. There was no pre-tax impact from this transfer. Deferred tax assets and liabilities related to the pension plan were reduced to $nil.Deposits include structured note liabilities, money market and metals deposits designated at FVTPL and certain embedded options related to structured deposits carried at amortized cost.Relates to the defined benefit plan included in our acquisition of Bank of the West in fiscal 2023. Refer to Note 10 for further information.Includes the tax impact of deferred revenue and purchase accounting adjustments in connection with our acquisition of Bank of the West.Net asset values are provided by fund managers and therefore have no other reasonably possible alternative assumptions. Sensitivity of private equity investments is determined by adjusting the price multiples based on the range of multiples of comparable companies. Sensitivity of investment properties is determined by adjusting the capitalization rate.Includes dividends paid on securities sold but not yet purchased.This amount is net of cash and cash equivalents of $3,646 million acquired as part of acquisitions during the year ended October 31, 2023. To mitigate changes in the Canadian dollar equivalent of the Bank of the West purchase price on closing, we entered into forward contracts, which qualified for hedge accounting. Includes deposits with the Bank of Canada, the U.S. Federal Reserve and other central banks.Not intended to represent our actual exposure to credit risk.Trending to 4.00% in 2041 and remaining at that level thereafter.Includes the tax impact of the legal provision reversal recorded in relation to the lawsuit described in Note 25.Financial assets received/pledged as collateral are disclosed at fair value and limited to the net balance sheet exposure (i.e. any over-collateralization is excluded from the table).Certain amounts of collateral are restricted from being sold or repledged except in the event of default or the occurrence of other predetermined events.Includes impairment charges.The low and high input values represent the lowest and highest actual level of inputs used to value a group of financial instruments in a particular product category. These value ranges do not reflect the level of input uncertainty but are affected by the specific underlying instruments within each product category. The value ranges will therefore vary from period to period based on the characteristics of the underlying instruments held at each balance sheet date. Includes the fair value of bond futures rounded down to $nil million as at October 31, 2023.Gains are net of (losses) on hedge contracts.Changes in unrealized gains (losses) on trading and FVTPL securities still held on October 31, 2024 and 2023 are included in earnings for the year. Amounts included in share-based payments are the fair values of awards granted in the year.Includes customers’ liability under acceptances.We had no ACL on impaired loans related to these amounts as at October 31, 2024 and 2023.Includes the tax impact of interest rate swaps and securities we purchased to mitigate the impact of changes in interest rates in our acquisition of Bank of the West (refer to Note 10 for additional details) and the tax impact of leasing assets.Foreign exchange translation on assets and liabilities held by foreign operations is included in Consolidated Statement of Comprehensive Income as part of net gains on translation of net foreign operations.The pension benefit current service cost was calculated using a separate discount rate of 5.6% and 5.4% for 2024 and 2023, respectively.The other employee future benefit plans current service cost was calculated using a separate discount rate of 5.7% and 5.5% for 2024 and 2023, respectively.Trending to 4.03% in 2040 and remaining at that level thereafter.Securities held that are issued by our Canadian and U.S. customer securitization vehicles comprises asset-backed commercial paper (ABCP) and are classified as either trading securities, FVTPL securities or FVOCI securities.Maximum exposure to loss represents securities held, undrawn liquidity facilities, any remaining unfunded committed amounts to the BMO funded vehicle, derivative assets and other assets. 0000927971 2023-10-31 0000927971 2024-10-31 0000927971 2023-11-01 2024-10-31 0000927971 2022-11-01 2023-10-31 0000927971 2024-06-18 2024-06-18 0000927971 2022-10-31 0000927971 2024-12-05 0000927971 2022-11-01 0000927971 2023-08-22 0000927971 2022-11-01 2023-01-31 0000927971 2022-12-15 2022-12-15 0000927971 2024-07-05 2024-07-05 0000927971 2022-11-08 2022-11-08 0000927971 2023-08-22 2023-08-22 0000927971 bmo:OtherSectorMember 2022-11-01 2023-10-31 0000927971 ifrs-full:OtherAssetsMember 2022-11-01 2023-10-31 0000927971 country:US 2022-11-01 2023-10-31 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U.S. Securities and Exchange Commission

Washington, D.C. 20549

Form

40-F

[Check one]

☐	Registration statement pursuant to Section 12 of the Securities Exchange Act of 1934

☒	Annual report pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934


For the fiscal year ended October 31, 2024		Commission File Number 001-13354

BANK OF MONTREAL

(Exact name of Registrant as specified in its charter)

Not Applicable

(Translation of Registrant’s name into English (if applicable))

Canada

(Province or other jurisdiction of incorporation or organization)

6029

(Primary Standard Industrial Classification Code Number (if applicable))

13-4941092

(I.R.S. Employer Identification Number (if applicable))

100 King Street West, 1 First Canadian Place, Toronto, Ontario, Canada M5X 1A1

(416-867-6785)

(Address and telephone number of Registrant’s principal executive offices)

Colleen Hennessy, Bank of Montreal, 320 S. Canal Street, 7th Floor, Chicago, Illinois

60606

(312-497-6153)

(Name, address (including zip code) and telephone number (including area code)

of agent for service in the United States)

Securities registered or to be registered pursuant to Section 12(b) of the Act:


Title Of Each Class	Trading Symbol	Name Of Each Exchange On Which Registered
Common Shares	BMO	New York Stock Exchange

Securities registered or to be registered pursuant to Section 12(g) of the Act:

Not Applicable

Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act:

Not Applicable

For annual reports, indicate by check mark the information filed with this Form:

☒ Annual information form ☒ Audited annual financial statements

Indicate the number of outstanding shares of each of the issuer’s classes of capital or common stock as of the close of the period covered by the annual report.


Common Shares			729,585,048
Class B Preferred Shares Series 31 (Non-Viability Contingent Capital (NVCC)) 1			12,000,000
Class B Preferred Shares Series 33 (Non-Viability Contingent Capital (NVCC))			8,000,000
Class B Preferred Shares Series 44 (Non-Viability Contingent Capital (NVCC))			16,000,000
Class B Preferred Shares Series 48 (Non-Viability Contingent Capital (NVCC))			1,250,000
Class B Preferred Shares Series 49 (Non-Viability Contingent Capital (NVCC))			750,000
Class B Preferred Shares Series 50 (Non-Viability Contingent Capital (NVCC))			500,000
Class B Preferred Shares Series 51 (Non-Viability Contingent Capital (NVCC))			1,000,000
Class B Preferred Shares Series 52 (Non-Viability Contingent Capital (NVCC))			650,000
Class B Preferred Shares Series 53 (Non-Viability Contingent Capital (NVCC)) 2			1,000,000
Class B Preferred Shares Series 54 (Non-Viability Contingent Capital (NVCC)) 3			750,000

On November 25, 2024, the Bank redeemed all of its outstanding Class B Preferred Shares Series 31 (Non-Viability Contingent Capital (NVCC)).

On March 8, 2024, the Bank issued US$1 billion 7.700% Fixed Rate Reset Limited Recourse Capital Notes Series 4 (Non-Viability Contingent Capital (NVCC)) (“LRCN 4”). Upon the occurrence of a recourse event, the noteholders will have recourse to assets held in a consolidated trust managed by a third party trustee. The trust assets are currently comprised of US$1 billion of the Non-Cumulative 5-Year Fixed Rate Reset Class B Preferred Shares Series 53 (Non-Viability Contingent Capital (NVCC)) issued concurrently with the LRCN 4.

On July 17, 2024, the Bank issued US$750 million 7.300% Fixed Rate Reset Limited Recourse Capital Notes Series 5 (Non-Viability Contingent Capital (NVCC)) (“LRCN 5”). Upon the occurrence of a recourse event, the noteholders will have recourse to assets held in a consolidated trust managed by a third party trustee. The trust assets are currently comprised of US$750 million of the Non-Cumulative 5-Year Fixed Rate Reset Class B Preferred Shares Series 54 (Non-Viability Contingent Capital (NVCC)) issued concurrently with the LRCN 5.

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Exchange Act during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days.

Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of

Regulation S-T

(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the Registrant was required to submit such files).

Yes ☒ No ☐

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule

12b-2

of the Exchange Act.

Emerging growth company ☐

If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards† provided pursuant to Section 13(a) of the Exchange Act. ☐

† The term “new or revised financial accounting standard” refers to any update issued by the Financial Accounting Standards Board to its Accounting Standards Codification after April 5, 2012.

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.

Yes ☒ No ☐

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐

Auditor Name: KPMG LLP

Auditor Location: Toronto, Ontario, Canada

Auditor PCAOB ID Number: 85

TABLE OF CONTENTS


DISCLOSURE CONTROLS AND PROCEDURES

INTERNAL CONTROL OVER FINANCIAL REPORTING

AUDIT AND CONDUCT REVIEW COMMITTEE FINANCIAL EXPERT

CODE OF ETHICS

PRINCIPAL ACCOUNTANT FEES AND SERVICES

OFF-BALANCE SHEET ARRANGEMENTS

CONTRACTUAL AND OTHER OBLIGATIONS

IDENTIFICATION OF THE AUDIT AND CONDUCT REVIEW COMMITTEE

SUMMARY OF SIGNIFICANT CORPORATE GOVERNANCE DIFFERENCES

NOTE ON CERTAIN ACTIVITIES

UNDERTAKING

SIGNATURES

EXHIBIT INDEX

Bank of Montreal Clawback and Recoupment Policy

Annual Information Form

Management’s Discussion and Analysis for the Fiscal Year Ended October 31, 2024

Consolidated Financial Statements for the Fiscal Year Ended October 31, 2024

Consent of Independent Registered Public Accounting Firm dated December 5, 2024

Section 302 Certifications of Chief Executive Officer

Section 302 Certifications of Chief Financial Officer

Section 906 Certifications

Code of Conduct

Inline Interactive Data File

Cover Page Interactive Data File

DISCLOSURE CONTROLS AND PROCEDURES

The information provided under the heading “Management’s Annual Report on Disclosure Controls and Procedures and Internal Control over Financial Reporting — Disclosure Controls and Procedures” (page

) contained in the Bank’s Management’s Discussion and Analysis for the fiscal year ended October 31, 2024 (“2024 MD&A”), filed as Exhibit 99.2 to this annual report on

Form 40-F,

is incorporated by reference herein.

INTERNAL CONTROL OVER FINANCIAL REPORTING

a. Management’s annual report on internal control over financial reporting

The information provided under the heading “Management’s Annual Report on Disclosure Controls and Procedures and Internal Control over Financial Reporting — Internal Control over Financial Reporting” (page 116) contained in the 2024 MD&A, filed as Exhibit 99.2 to this annual report on

Form 40-F,

is incorporated by reference herein.

b. Auditor’s attestation report on internal control over financial reporting

The Bank’s shareholders’ auditors, KPMG LLP, have issued an audit report on our internal control over financial reporting. This audit report appears on page 133 of the Bank’s Consolidated Financial Statements for the fiscal year ended October 31, 2024, filed as Exhibit 99.3 to this annual report on

Form 40-F

and is incorporated by reference herein.

c. Changes in internal control over financial reporting

The information provided under the heading “Management’s Annual Report on Disclosure Controls and Procedures and Internal Control over Financial Reporting — Changes in Internal Control over Financial Reporting” (page 116) contained in the 2024 MD&A, filed as Exhibit 99.2 to this annual report on

Form 40-F,

is incorporated by reference herein.

AUDIT AND CONDUCT REVIEW COMMITTEE FINANCIAL EXPERT

The information provided under the heading “Audit and Conduct Review Committee Information — Composition of the Audit and Conduct Review Committee” (page 16) identifying the Bank’s Audit and Conduct Review Committee Financial Experts, and confirming the independence of the Audit and Conduct Review Committee Financial Experts, as set forth in the Bank’s Annual Information Form (dated December 5, 2024), filed as Exhibit 99.1 to this annual report on

Form 40-F,

is incorporated by reference herein.

CODE OF ETHICS

The Bank’s Code of Conduct (“Code”) is a principles-based foundational document that outlines the Bank’s expectation around business conduct and ethical behaviour. It is applicable to every director and employee of the Bank. In fiscal 2024 the Bank completed a refresh of the Code, primarily intended to increase accessibility and ensure content is relevant and aligned with evolving business and regulatory expectations. The content of the prior Code was simplified and enhanced. The most significant changes include: (1) a shift from 5 principles to 5 new commitments; (2) new content and expanded topics including, diversity, equity and inclusion, human rights, responsible use of artificial intelligence, reputation risk, and approved channels for business communications; and (3) other general enhancements including new Chair and Chief Executive Officer messages and the addition of more references and resource links. In addition to these changes, certain other technical, administrative, or non-substantive amendments were made to the Code. The amended version of the Code was furnished to the Commission on Form 6-K on March 4, 2024. The Code is available on the Bank’s website

www.bmo.com/main/about-bmo

under “Learn more about us” and is available in print without charge to any shareholder upon request. Unless and to the extent specifically referred to herein, the information on the Bank’s website shall not be deemed to be incorporated by reference in this annual report on Form 40-F.

PRINCIPAL ACCOUNTANT FEES AND SERVICES

The information provided under the heading “Shareholders’ Auditors’ Services and Fees — Shareholders’ Auditors’ Fees” and “—

Pre-Approval

Policies and Procedures” (page 115) contained in the 2024 MD&A, filed as Exhibit 99.2 to this annual report on

Form 40-F,

is incorporated by reference herein.

OFF-BALANCE

SHEET ARRANGEMENTS

The information provided under the heading “Financial Condition Review –

Off-Balance

Sheet Arrangements” (pages 66 and 67) contained in the 2024 MD&A, filed as Exhibit 99.2 to this annual report on

Form 40-F,

is incorporated by reference herein.

CONTRACTUAL AND OTHER OBLIGATIONS

The information provided under the heading “Enterprise-Wide Risk Management – Liquidity and Funding Risk – Contractual Maturities of Assets and Liabilities and

Off-Balance

Sheet Commitments” (pages 98 and 99) contained in the 2024 MD&A, filed as Exhibit 99.2 to this annual report on

Form 40-F,

is incorporated by reference herein.

IDENTIFICATION OF THE AUDIT AND CONDUCT REVIEW COMMITTEE

The information provided under the heading “Audit and Conduct Review Committee Information — Composition of the Audit and Conduct Review Committee” (page 16) identifying the Bank’s Audit and Conduct Review Committee and confirming the independence of the Audit and Conduct Review Committee as set forth in the Bank’s Annual Information Form (dated December 5, 2024), filed as Exhibit 99.1 to this annual report on

Form 40-F,

is incorporated by reference herein.

SUMMARY OF SIGNIFICANT CORPORATE GOVERNANCE DIFFERENCES

A summary of significant ways corporate governance practices followed by the Bank differ from corporate governance practices required to be followed by U.S. domestic companies under The New York Stock Exchange’s listing standards (disclosure required by Section 303A.11 of the NYSE Listed Company Manual) is available on the Bank’s website at

www.bmo.com

. Unless and to the extent specifically referred to herein, the information on the Bank’s website shall not be deemed to be incorporated by reference in this annual report on Form 40-F.

NOTE ON CERTAIN ACTIVITIES

During the fiscal year ended October 31, 2024, the Bank identified accounts held in Canada for an individual added to the Specially Designated Nationals (“SDN”) list of the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”) under Executive Order 13224 (the “Executive Order”) on February 14, 2024. The Bank has blocked these accounts, is in the process of closing the accounts and has reported the assets to OFAC as required.

Pursuant to Section 13(r) of the Exchange Act, the Bank is required to disclose whether it or any of its affiliates knowingly engaged in certain activities, transactions or dealings with certain individuals or entities, including those listed on OFAC’s SDN list under the Executive Order. Disclosure is generally required even where the activities, transactions or dealings were conducted outside the U.S. in compliance with applicable law. Revenues and profits from this relationship were not calculated but would be considered negligible.

UNDERTAKING

Registrant undertakes to make available, in person or by telephone, representatives to respond to inquiries made by the Commission staff, and to furnish promptly, when requested to do so by the Commission staff, information relating to the securities in relation to which the obligation to file an annual report on

Form 40-F

arises or transactions in said securities.

SIGNATURES

Pursuant to the requirements of the Exchange Act, the Registrant certifies that it meets all of the requirements for filing on

Form 40-F

and has duly caused this annual report to be signed on its behalf by the undersigned, thereto duly authorized.

Registrant: BANK OF MONTREAL


By:		/s/ Tayfun Tuzun
		Tayfun Tuzun
		Chief Financial Officer

Date: December 5, 2024

EXHIBIT INDEX


Exhibits		Description

97.1		Bank of Montreal Clawback and Recoupment Policy (incorporated by reference to Exhibit 97.1 of the Bank’s Annual Report on Form 40-F filed with the Commission on December 1, 2023)

99.1		Annual Information Form

99.2		Management’s Discussion and Analysis for the Fiscal Year Ended October 31, 2024

99.3		Consolidated Financial Statements for the Fiscal Year Ended October 31, 2024

99.4		Consent of Independent Registered Public Accounting Firm dated December 5, 2024

99.5		Certifications of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

99.6		Certifications of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

99.7		Certifications pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

99.8		Code of Conduct (incorporated by reference to the Bank’s Current Report on Form 6-K furnished to the Commission on March 4, 2024)

101		Inline Interactive Data File

104		Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)

Bank of Montreal - 40-F annual report 2024

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