Bank of Montreal 2000 Annual Report Download - page 31

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Bank of Montreal Group of Companies Annual Report 2000 ■7
0.25
0.22
0.09
0.23
0.23
96 97 98 99 00
0.25
0.22
0.09
0.23
0.23
96 97 98 99 00
10.51
8.53
6.66
7.65
15.71
96 97 98 99 00
10.51
8.53
6.66
7.65
15.71
96 97 98 99 00
27.8
29.2
28.4
35.6
35.8
96 97 98 99 00
27.8
29.2
28.4
35.6
35.8
96 97 98 99 00
8.83
7.72
7. 2 6
6.80
6.71
96 97 98 99 00
AA–AA–AA–AA–AA–
96 97 98 99 00
8.83
7.72
7. 2 6
6.80
6.71
96 97 98 99 00
AA–AA–
A+
AA–
A+
AA–
A+
AA–
96 97 98 99 00
Provision for Credit Losses
as a % of Average Loans
and Acceptances
Provision for Credit Losses as a % of
Average Loans and Acceptances
■Our performance of 0.25% was better
than the Canadian and North American
peer group averages of 0.44% and 0.69%,
respectively.
■
Excluding non-recurring items*, our
performance of 0.28% was better than the
Canadian and North American peer group
averages of 0.39% and 0.68%, respectively.
Gross Impaired Loans and
Acceptances as a % of Equity and
Allowance for Credit Losses
Gross Impaired Loans and
Acceptances as a % of Equity and
Allowance for Credit Losses
■
Our performance of 10.51% was above
the Canadian peer group average of 11.81%,
but below the North American peer group
average of 6.88%.
Tier 1 Capital Ratio (%)
Target
(1998
–
7%, 1999
–
7.25%, 2000
–
8.0%)
Tier 1 Capital Ratio (%)
■Our Tier 1 Capital Ratio of 8.83% was
above the Canadian peer group average
of 8.40%.
■On a U.S. basis, our Tier 1 Capital Ratio of
8.47% was above the North American peer
group average of 7.68%.
Credit Rating
■Our credit rating was comparable with
both the Canadian and North American
peer groups.
Credit Rating
The credit rating represents a composite of
Moody’s and Standard & Poor’s debt ratings.
Cash and Securities-to-Total Assets (%)
Cash and Securities-to-Total Assets (%)
■Our liquidity ratio of 27.8% was below the
Canadian and North American peer group
averages of 28.4% and 32.1%, respectively.
Bank of Montreal Results Peer Group Comparison
More information can be found on page 22.
More information can be found on page 22.
More information can be found on page 26.
More information can be found on page 28.
Bank of Montreal
Canadian Peer Group Average
North American Peer Group Average
*Non-recurring items are detailed in Table 19 of the Supplemental Information on page 82.