 BMOs Third Quarter 2021 Report to Shareholders, including the unaudited interim consolidated financial statements for the period ended July 31, 2021, is available online at and at Financial Results Highlights Third Quarter 2021 Compared With Third Quarter 2020: Net income of 2,275 million, an increase of 85; adjusted net income1,4 of 2,292 million, an increase of 82 Reported EPS2 of 3.41, an increase of 89; adjusted EPS1,2,4 of 3.44, an increase of 86 Recovery of credit losses of 70 million, compared with a provision for credit losses PCL of 1,054 million Reported net efficiency ratio3 of 56.0, compared with 57.4; adjusted net efficiency ratio1,3,4 of 55.7, compared with 56.8 Return on equity ROE of 17.5, an increase from 9.4; adjusted ROE1,4 of 17.6, an increase from 9.6 Common Equity Tier 1 Ratio of 13.4, an increase from 11.6 in the prior year Year-to-Date 2021 Compared With Year-to-Date 2020: Net income of 5,595 million, an increase of 59; adjusted net income1,4,5 of 6,425 million, an increase of 79 Reported EPS2 of 8.35, an increase of 61; adjusted EPS1,2,4,5 of 9.63, an increase of 82 PCL of 146 million, compared with 2,521 million Reported net efficiency ratio3 of 60.6, compared with 60.8; adjusted net efficiency ratio1,3,4,5 of 56.2, compared with 60.2 ROE of 14.5, an increase from 9.3; adjusted ROE1,4,5 of 16.7, an increase from 9.5 TORONTO, Aug. 24, 2021 PRNewswire - For the third quarter ended July 31, 2021, BMO Financial Group TSX:BMO NYSE:BMO recorded net income of 2,275 million or 3.41 per share on a reported basis, and net income of 2,292 million or 3.44 per share on an adjusted basis. 