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9	9	* In USA the bank has a network of more than 525 branches, dedicated contact centres, digital banking platforms, and nationwide access to more than 40,000 automated teller machines.
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12	12	= Company Overview =
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14	14	Bank of Montreal (NYSE:BMO, TSX:BMO) is a leading bank driven by a single purpose: to Boldly Grow the Good in business and life. Everywhere the company do business, we’re focused on building, investing and transforming how the company work to drive performance and continue growing the good.{{footnote}}https://www.bmo.com/main/about-bmo/{{/footnote}}
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17	17	In 1817, the Montreal Bank became Canada’s first bank, and went on to play a critical role in the building of a nation, its financial systems, and the prosperity of its people. The bank recently celebrate its 200 yeas of establishment.
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21	21	= Business Segments =
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40	40	Commercial Banking provides clients with a comprehensive range of commercial products and services, including multiple financing options and treasury and payment solutions, as well as risk management products. Commercial bankers partner with clients, anticipating their financial needs and sharing expertise and knowledge to help them grow and manage their businesses.
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43	43	== BMO Wealth Management ==
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45	45	BMO Wealth Management serves a full range of clients from individuals and families to business owners and institutions. It offers a wide spectrum of asset, wealth management and insurance products and services aimed at helping clients plan, grow, protect and transition their wealth. The asset management business is focused on making a positive impact and delivering innovative client solutions.
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64	64	Global Markets offers research and access to financial markets for institutional, corporate and retail clients through an integrated suite of sales and trading solutions that include debt, foreign exchange, interest rate, credit, equity, securitization and commodities. New product development and origination services are also offered, as well as risk management advice and services to hedge against fluctuations in a variety of key inputs, including interest rates and commodities prices. In addition, Global Markets provides funding and liquidity management to clients.
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68	68	= Financial Highlights =
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