SUPPLEMENTAL INFORMATION TABLE 6 Revenue  ($ millions, except as noted) For the year ended October 31 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 Total Revenue Total revenue (teb) 8,859 8,863 8,664 7,928 7,270 7,167 6,227 5,666 5,196 4,861 Year-over-year growth (%) — 2.3 9.3 9.0 1.4 15.1 9.9 9.0 6.9 9.4 Non-recurring items — 155 226 (28) — — — — — — Total revenue (teb) excluding non-recurring items 8,859 8,708 8,438 7,956 7,270 7,167 6,227 5,666 5,196 4,861 Year-over-year growth (%) 1.7 3.2 6.1 9.4 1.4 15.1 9.9 9.0 6.9 9.6 Net Interest Income Net interest income as reported 4,829 4,499 4,204 4,279 4,024 4,077 3,603 3,480 3,258 3,139 Taxable equivalent adjustment (teb) 106 142 134 138 128 109 108 84 67 68 Net interest income (teb) 4,935 4,641 4,338 4,417 4,152 4,186 3,711 3,564 3,325 3,207 Year-over-year growth (%) 6.3 7.0 (1.8) 6.4 (0.8) 12.8 4.1 7.2 3.7 5.6 Net interest income (teb) excluding non-recurring items 4,935 4,641 4,338 4,417 4,152 4,186 3,711 3,564 3,325 3,207 Year-over-year growth (%) 6.3 7.0 (1.8) 6.4 (0.8) 12.8 4.1 7.2 3.7 5.8 Margin Total average assets 247,990 243,248 234,944 226,714 227,450 196,721 158,316 144,115 122,234 113,387 Net interest margin (%) 1.99 1.91 1.85 1.95 1.83 2.13 2.34 2.47 2.72 2.83 Canadian dollar net interest margin (%) 2.58 2.78 2.70 2.82 2.52 2.70 2.94 3.39 3.48 3.44 U.S. dollar and other currencies net interest margin (%) 1.37 1.15 1.01 1.19 1.17 1.48 1.58 1.22 1.59 1.94 Non-Interest Revenue Securities commissions and fees (a) 813 742 859 666 657 742 614 414 313 238 Deposit and payment service charges 732 670 646 616 558 508 473 451 437 430 Trading revenues 209 490 388 295 40 276 277 225 226 202 Lending fees 306 352 322 329 290 240 194 186 180 145 Card fees 260 204 216 205 196 251 234 230 211 208 Investment management and custodial fees 314 336 373 419 407 299 221 240 197 194 Mutual fund revenues 309 251 232 207 199 155 87 53 56 30 Securitization revenues 329 331 343 296 158 32 — — — — Underwriting and advisory fees (a) 228 234 210 175 212 177 146 81 NA NA Investment securities gains (losses) (b) (146) 123 183 (85) 97 52 71 46 37 40 Foreign exchange, other than trading 151 127 146 133 103 126 120 99 89 48 Insurance income 105 125 96 73 62 62 44 36 51 18 Other revenues (c) 314 237 312 182 139 61 35 41 74 101 Total non-interest revenue 3,924 4,222 4,326 3,511 3,118 2,981 2,516 2,102 1,871 1,654 Year-over-year growth (%) (7.1) (2.4) 23.2 12.6 4.6 18.5 19.7 12.3 13.1 17.8 Other income as a % of total revenue  44.3 47.6 49.9 44.3 42.9 41.6 40.4 37.1 36.0 34.0 Non-recurring items (b)(c) — 155 226 (28) — — — — — — Total non-interest revenue excluding non-recurring items 3,924 4,067 4,100 3,539 3,118 2,981 2,516 2,102 1,871 1,654 Year-over-year growth (%) (3.5) (0.8) 15.8 13.5 4.6 18.5 19.7 12.3 13.1 17.8 Total non-interest revenue as a % of total revenue 44.3 46.7 48.6 44.5 42.9 41.6 40.4 37.1 36.0 34.0 (a) In 1993 and 1994, underwriting and advisory fees are included in securities commissions and fees. (b) Non-recurring items include: a $321 million gain on the sale of Bancomer and a $178 million write-down of equity investments in CBOs in 2001; a $112 million gain on the sale of Partners First in 2000; and a $55 million write-down in the distressed investment portfolio in 1999. (c) Non-recurring items include: a $12 million gain on the sale of branches in 2001; a $40 million gain on the sale of branches and a $74 million gain on the sale of Corporate Trust in 2000; and a $27 million gain on the sale of Global Custody in 1999. NA — not available 54 BMO FINANCIAL GROUP ANNUAL REPORT 2002