By , the bank had branches in every province of Atlantic Canada , with the opening of a branch in Charlottetown. Rating agency Moody’s Investors Service began to review the long-term ratings of the Bank of Montreal and other Canadian banks because of concerns about consumer debt levels, housing prices, and a sizable exposure to capital markets in October BMO is divided into three «client groups» which serve different markets. History of Montreal. Upload your resume — Let employers find you.