蒙特利尔银行 2024年度报告

Form 40-F [Check one]☐Registration statement pursuant to Section12 of the Securities Exchange Act of 1934 or ☒Annual report pursuant to Section13(a) or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended October 31, 2025 BANK OF MONTREAL(Exact name of Registrant as specified in its charter)Not Applicable(Translation of Registrant’s name into English (if applicable))Canada(Province or other jurisdiction of incorporation or organization)6029(Primary Standard Industrial Classification Code Number (if applicable))13-4941092(I.R.S. Employer Identification Number (if applicable))100 King Street West, 1 First Canadian Place, Toronto, Ontario, Canada M5X 1A1 (416-867-6785)(Address and telephone number of Registrant’s principal executive offices)Sajida Ali, Bank of Montreal, 320 S. Canal Street, 7th Floor, Chicago, Illinois60606 (312-519-1023)(Name, address (including zip code) and telephone number (including area code)of agent for service in the United States)Securities registered or to be registered pursuant to Section12(b) of the Securities Exchange Act of 1934 (“Exchange Act”):Title Of Each ClassTrading SymbolNameOfEachExchangeOnWhichRegistere Securities registered or to be registered pursuant to Section 12(g) of the Exchange Act: Not Applicable Securities for which there is a reporting obligation pursuant to Section 15(d) of the Exchange Act: Not Applicable For annual reports, indicate by check mark the information filed with this Form: ☒Annual information form Indicate the number of outstanding shares of each of the issuer’s classes of capital or common stock as of the close of the period covered by the annualreport. 708,905,67916,000,0001,250,000750,000500,0001,000,000650,0001,000,000750,0001,000,000 Common Shares ClassB Preferred Shares Series 44 (Non-Viability Contingent Capital (NVCC)) Class B Preferred Shares Series 48 (Non-Viability Contingent Capital (NVCC))ClassB Preferred Shares Series 49 (Non-Viability Contingent Capital (NVCC)) 1ClassB Preferred Shares Series 50 (Non-Viability Contingent Capital (NVCC))ClassB Preferred Shares Series 51 (Non-Viability Contingent Capital (NVCC))Class B Preferred Shares Series 52 (Non-Viability Contingent Capital (NVCC))Class B Preferred Shares Series 53 (Non-Viability Contingent Capital (NVCC))Class B Preferred Shares Series 54 (Non-Viability Contingent Capital (NVCC)) 1On November 12, 2025, the Bank redeemed all of its Cdn$1,250 million 4.300% Limited Recourse Capital Notes Series 1 (Non-Viability ContingentCapital (NVCC)) together with all of its 1,250,000 Class B Preferred Shares Series 48 (Non-Viability Contingent Capital (NVCC)). 2On July 29, 2025, the Bank issued US$1 billion 6.875% Fixed Rate Reset Limited Recourse Capital Notes Series 6 (Non-Viability Contingent Capital(NVCC)) (“LRCN 6”). Upon the occurrence of a recourse event, the noteholders will have recourse to assets held in a consolidated trust managed by athird party trustee. The trust assets include US$1 billion of BMO issued Non-Cumulative 5-Year Fixed Rate Reset Class B Preferred Shares Series 55(Non-Viability Contingent Capital (NVCC)) issued concurrently with the LRCN 6. Indicate by check mark whether the Registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Exchange Act during thepreceding 12months (or for such shorter period that the Registrant was required to file such reports) and (2)has been subject to such filing requirements No☐ Yes☒ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 ofRegulationS-T (§232.405 of this chapter) during the preceding 12months (or for such shorter period that the Registrant was required to submit such files). Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 12b-2 of the Exchange Act. Emerging growth company☐ If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant has electednot to use the extended transition period for complying with any new or revised financial accounting standards† provided pursuanttoSection13(a)oftheExchangeAct.☐ † The term “new or revised financial accounting standard” refers to any update issued by the Financial Accounting Standards Board to its AccountingStandards Codification after April5, 2012. Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internalcontrol over financial reporting under Section404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that If securities are registered pursuant to Section 12(b) of the Exchange Act, indicate by check mark whether the financial statements of the registrantincluded in the filing reflect the correction of an error to previously issued financial statements.☐ Ind