Bank of Montreal Balance Sheet

Financials in millions CAD. Fiscal year is November - October.

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021
Cash & Equivalents	70,322	68,738	82,043	93,200	101,564
Securities and Investments	231,173	227,954	196,366	163,792	127,303
Short-Term Interbank Lending and Reverse Repurchase Agreements	129,421	110,907	115,662	113,194	107,382
Trading Assets	249,454	216,179	163,694	156,337	141,124
Gross Loans	682,211	682,372	660,472	553,956	460,826
Allowance for Loan Losses	-5,050	-4,356	-3,807	-2,617	-2,564
Net Loans	677,161	678,016	656,665	551,339	458,262
Net Property, Plant & Equipment	6,252	6,249	6,241	4,841	4,454
Accrued Interest and Accounts Receivable	43,878	32,275	61,113	13,235	14,021
Other Intangible Assets	4,758	4,925	5,216	2,193	2,266
Goodwill	16,797	16,774	16,728	5,285	5,378
Long-Term Investments	-	-	-	1,293	1,135
Other Non-Earning Assets	47,586	47,630	43,278	34,490	25,286
Total Assets	1,476,802	1,409,647	1,347,006	1,139,199	988,175
Total Deposits	976,202	982,440	910,879	769,478	685,631
Short-Term Interbank Borrowing and Repurchase Agreements	134,967	110,791	106,108	103,963	97,556
Trading Liabilities	113,605	93,333	93,967	100,935	62,888
Accounts Payable	45,881	34,766	61,865	13,235	14,021
Long-Term Debt	8,500	8,377	8,228	8,150	6,893
Other Liabilities	109,547	95,654	89,836	72,400	63,663
Total Liabilities	1,388,702	1,325,361	1,270,883	1,068,161	930,652
Preferred Stock	8,956	8,087	6,958	6,308	5,558
Common Stock	23,359	23,921	22,941	17,744	13,599
Additional Paid-in Capital	373	354	328	317	313
Accumulated Other Comprehensive Income	7,986	5,419	1,862	1,552	2,556
Retained Earnings	47,377	46,469	44,006	45,117	35,497
Shareholders' Equity	88,051	84,250	76,095	71,038	57,523
Total Liabilities & Equity	1,476,753	1,409,611	1,346,978	1,139,199	988,175
Total Debt	8,500	8,377	8,228	8,150	6,893
Net Cash (Debt)	-8,500	-8,377	-8,228	-8,150	-6,893
Net Cash Per Share	-11.75	-11.50	-11.58	-12.24	-10.63
Book Value	88,051	84,250	76,095	71,038	57,523
Book Value Per Share	121.74	115.64	107.10	106.71	88.68
Tangible Book Value	66,496	62,551	54,151	63,560	49,879
Tangible Book Value Per Share	91.94	85.86	76.21	95.48	76.89

Updated Oct 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.