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Bank of Montreal (BMO) investor relations material
Bank of Montreal Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Financial Services Conference summary9 Sep, 2025
Macroeconomic and industry outlook
Sentiment in Canada and the U.S. has improved since the start of the year, with reduced uncertainty around tariffs and trade policies.
Canadian economic growth remains slow at 1–1.5%, but government support and fiscal capacity provide a benign outlook.
USMCA continues to support trade, and its renegotiation is expected to add further certainty.
Clients are more engaged and positive, with business activity and originations picking up in both countries.
Unemployment remains high in Canada and may continue to rise.
Credit quality and provisions
Performing PCLs have increased for 13 consecutive quarters, reaching a 70 basis point coverage level.
Impaired PCLs have declined over the last three quarters, with expectations to return to historical levels by 2026–2027.
Some macro challenges from tariffs persist, but government policies are expected to support normalization.
Unsecured consumer exposures in Canada may see increased impaired provisions, but the portfolio is small.
Overall credit outlook is more confident, with trends expected to align with long-term historical performance.
Loan growth and business trends
Canadian loan growth was strong through early 2024 but has slowed due to policy changes and trade uncertainty.
U.S. loan growth was delayed by muted demand and internal ROE optimization, but origination levels are improving.
New U.S. organizational structure and leadership are expected to drive better growth and performance.
Net loan growth is anticipated to improve in 2026 as fundamentals strengthen.
Unsecured consumer credit outlook in Canada?
Balance sheet optimization impact on loan growth?
GenAI impact on efficiency in next 1-2 years?
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Next Bank of Montreal earnings date
Q4 20254 Dec, 2025
Next Bank of Montreal earnings date
Q4 20254 Dec, 2025
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Frequently asked questions
Canada's First Bank
Founded in 1817, Bank of Montreal (BMO) holds the prestigious title of being Canada's first bank. With its headquarters in Montreal, Quebec, BMO has become a mainstay in the Canadian financial sector. The bank offers a diverse range of services, including personal and commercial banking, wealth management, and investment banking services. BMO has extended its reach into various international markets, including the United States, where it operates as BMO Harris Bank.
The Birth of a Canadian Institution
Bank of Montreal was founded after a British charter that allowed businessmen in Montreal to establish a bank to serve the developing and thriving colonial economy. The bank played a key role in the nation's early days, fostering commercial growth and financing infrastructure projects, including railways and telegraph systems. With a solid foundation and an emphasis on fostering economic growth, BMO quickly grew to become a prominent fixture of the Canadian financial ecosystem. Some of the bank's main competitors in Canada are institutions such as RBC, CIBC, and TD.
A Comprehensive Suite of Financial Services
Throughout the decades, BMO has diversified its portfolio, offering a comprehensive range of financial services to meet the needs of its clientele. In Personal and Commercial banking, BMO provides a suite of financial products including checking and savings accounts, credit cards, mortgages, loans, and business banking services.
BMO, like many of its competitors also offers wealth management services. This service provides private banking, investment advisory services, and estate planning. The investment banking arm of BMO Financial Group, BMO Capital Markets, offers a broad range of services, including equity and debt underwriting, corporate lending and project financing, merger and acquisitions advisory services, and other services typically offered by this type of financial institution.
Southward Expansion
BMO expanded its presence in the United States with the acquisition of Harris Bankcorp in 1984. Today, BMO Harris Bank is one of the largest banks in the Midwest serving private individuals as well as commercial customers. Even if BMO is first and foremost a Canadian institution, expansion into the US has been well-received throughout the years and has allowed the bank to significantly increase its reach.
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