TORONTO, ONTARIO--(Marketwire - December 4, 2012) - BMO Financial Group (TSX:BMO)(NYSE:BMO) and BMO Bank of Montreal -

Financial Results Highlights(1):

Fiscal 2012 Compared with Fiscal 2011:

·Net income of $4,189 million, up $1,075 million or 35%

·Adjusted net income(2) of $4,092 million, up $817 million or 25%

·EPS(3) of $6.15, up 27%

·Adjusted EPS(2)(3) of $6.00, up 18%

·Provisions for credit losses of $765 million; adjusted provisions of $471 million, down $637 million

·Common Equity Ratio increases to 10.5% using a Basel II approach

Fourth Quarter 2012 Compared with Fourth Quarter 2011:

·Net income of $1,082 million, up $314 million or 41%

·Adjusted net income(2) of $1,125 million, up $293 million or 35%

·EPS(3) of $1.59, up 43%

·Adjusted EPS(2)(3) of $1.65, up 38%

·ROE of 15.6%, compared with 12.7%

·Adjusted ROE(2) of 16.3%, compared with 13.9%

·Provisions for credit losses of $192 million; adjusted provisions of $113 million, down $168 million

For the fourth quarter ended October 31, 2012, BMO Financial Group reported strong net income of $1,082 million or $1.59 per share. On an adjusted basis, net income was $1,125 million or $1.65 per share. For fiscal 2012, net income was $4,189 million and EPS was $6.15. Adjusted net income was $4,092 million and adjusted EPS was $6.00.

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Contact Information

Media Relations Contacts

Ralph Marranca, Toronto

416-867-3996

[email protected]

Valerie Doucet, Montreal

514-877-8224

[email protected]

Investor Relations Contacts

Sharon Haward-Laird

Head, Investor Relations

416-867-6656

[email protected]

Andrew Chin

Senior Manager

416-867-7019

[email protected]

Chief Financial Officer

Tom Flynn

Executive Vice-President and CFO

416-867-4689

[email protected]

Corporate Secretary

Barbara Muir

Senior Vice-President, Deputy General Counsel,

Corporate Affairs and Corporate Secretary

416-867-6423

[email protected]