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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Bank of Montreal (BMO) investor relations material
Bank of Montreal RBC Capital Markets Canadian Bank CEO Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.RBC Capital Markets Canadian Bank CEO Conference summary6 Jan, 2026
Strategic priorities and financial targets
Reaffirmed commitment to achieving a 15% ROE by exiting 2027, with high conviction in sustaining this level into 2028 and beyond.
Achieved 150 basis points ROE improvement in the past year, fastest among peers, driven by operating performance rather than credit normalization.
U.S. banking segment targeted to reach 12% ROE by end of 2027, leveraging recent structural reorganization and balance sheet optimization.
Continued focus on positive operating leverage, capital optimization, and active share buybacks, with 22 million shares repurchased last year.
Restructuring efforts expected to yield $250 million annual run-rate benefit, with half realized in 2026 and full benefit in 2027.
U.S. and Canadian business outlook
U.S. business benefits from integrated structure, with optimization work nearly complete and mid-single digit loan growth expected post-Q2 2026.
Deposit growth in the U.S. expected to match loan growth, with a strategic shift toward full client relationships and efficient deposit mix.
Canadian loan growth forecasted at low single digits, contingent on macroeconomic resilience and client confidence.
Capital deployment to increase gradually, with readiness to capture commercial opportunities in both Canada and the U.S.
No reliance on large performing loan releases for ROE targets; credit normalization expected to contribute less than 100 basis points.
Capital markets and growth strategies
Capital markets business outperformed targets in 2025, with expectations for higher PPPT and continued strong performance in 2026.
U.S. capital markets seen as a key growth area, leveraging lower market share and integration with commercial banking.
Mining and resource sector franchise positioned to benefit from global policy shifts, though capital flows expected to ramp up gradually.
M&A activity not prioritized unless it accelerates strategic goals without delaying ROE targets; focus remains on organic growth and densification.
Portfolio optimization continues, with branch sales in non-core markets to redeploy capital to higher-return areas.
What are key levers for 15% ROE by 2027?
What is BMO's US M&A strategy?
What drives US capital markets growth?
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Next Bank of Montreal earnings date
Q1 202624 Feb, 2026
Next Bank of Montreal earnings date
Q1 202624 Feb, 2026
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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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