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  <xs:element id="bmo_RelatedToPerformingLoansAssumingHundredPercentBaseCaseScenarioMember" abstract="true" name="RelatedToPerformingLoansAssumingHundredPercentBaseCaseScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_RelatedToPerformingLoansAssumingHundredPercentSevereDownsideScenarioMember" abstract="true" name="RelatedToPerformingLoansAssumingHundredPercentSevereDownsideScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_PerformingLoansStageOneScenarioMember" abstract="true" name="PerformingLoansStageOneScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_BaseCaseScenarioMember" abstract="true" name="BaseCaseScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_SevereDownsideScenarioMember" abstract="true" name="SevereDownsideScenarioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_AllowanceForCreditLossesOnFinancialAssets" abstract="false" name="AllowanceForCreditLossesOnFinancialAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_AllowanceAccountForCreditLossesOffBalanceSheet" abstract="false" name="AllowanceAccountForCreditLossesOffBalanceSheet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_ScenarioWeighting" abstract="false" name="ScenarioWeighting" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bmo_ModelledAllowanceAccountForCreditLossesOfFinancialAssetsBasedOnAssumptions" abstract="false" name="ModelledAllowanceAccountForCreditLossesOfFinancialAssetsBasedOnAssumptions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_ExpectedCreditLossPeriod" abstract="false" name="ExpectedCreditLossPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="bmo_StageTwoMember" abstract="true" name="StageTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_StageThreeMember" abstract="true" name="StageThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_ResidentialMortgagesMember" abstract="true" name="ResidentialMortgagesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_ConsumerInstallmentAndOtherPersonalLoansMember" abstract="true" name="ConsumerInstallmentAndOtherPersonalLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_CreditCardLoansMember" abstract="true" name="CreditCardLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_BusinessAndGovernmentLoansMember" abstract="true" name="BusinessAndGovernmentLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_AllowanceForLoanLossesMember" abstract="true" name="AllowanceForLoanLossesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_AllowanceForOtherCreditInstrumentsMember" abstract="true" name="AllowanceForOtherCreditInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_TransferToStageOneAllowanceAccountForCreditLossesOfFinancialAssets" abstract="false" name="TransferToStageOneAllowanceAccountForCreditLossesOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_TransfersToStageTwoAllowanceAccountForCreditLossesOfFinancialAssets" abstract="false" name="TransfersToStageTwoAllowanceAccountForCreditLossesOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_TransfersToStageThreeAllowanceAccountForCreditLossesOfFinancialAssets" abstract="false" name="TransfersToStageThreeAllowanceAccountForCreditLossesOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_NetRemeasurementOfAllowanceAccountForCreditLossesOfFinancialAssets" abstract="false" name="NetRemeasurementOfAllowanceAccountForCreditLossesOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_LoanOriginationOfAllowanceAccountForCreditLossesOfFinancialAssets" abstract="false" name="LoanOriginationOfAllowanceAccountForCreditLossesOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_DerecognitionsAndMaturitiesAllowanceAccountForCreditLossesOfFinancialAssets" abstract="false" name="DerecognitionsAndMaturitiesAllowanceAccountForCreditLossesOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_ModelChangesAllowanceAccountForCreditLossesOfFinancialAssets" abstract="false" name="ModelChangesAllowanceAccountForCreditLossesOfFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_ProvisionForCreditLosses" abstract="false" name="ProvisionForCreditLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bmo_ComponentOfLoanReceivableDomain" abstract="true" name="ComponentOfLoanReceivableDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bmo_InterestMember" abstract="true" name="InterestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_GrossTotalLoansAndAcceptancesMember" abstract="true" name="GrossTotalLoansAndAcceptancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_NetTotalLoansAndAcceptancesMember" abstract="true" name="NetTotalLoansAndAcceptancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_LoanCommitmentsAndFinancialGuaranteeContractsIssuedMember" abstract="true" name="LoanCommitmentsAndFinancialGuaranteeContractsIssuedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_GrossCommitmentsAndFinancialGuaranteeContractsMember" abstract="true" name="GrossCommitmentsAndFinancialGuaranteeContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_ExceptionallyLowProbabilityOfDefaultMember" abstract="true" name="ExceptionallyLowProbabilityOfDefaultMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_VeryLowProbabilityOfDefaultMember" abstract="true" name="VeryLowProbabilityOfDefaultMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_LowProbabilityOfDefaultMember" abstract="true" name="LowProbabilityOfDefaultMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_MediumProbabilityOfDefaultMember" abstract="true" name="MediumProbabilityOfDefaultMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_HighProbabilityOfDefaultMember" abstract="true" name="HighProbabilityOfDefaultMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bmo_DefaultAndImpairedMember" abstract="true" name="DefaultAndImpairedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_InvestmentGradeMember" abstract="true" name="InvestmentGradeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_SubInvestmentGradeMember" abstract="true" name="SubInvestmentGradeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_WatchListMember" abstract="true" name="WatchListMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bmo_ExposureToCreditRiskOnLoansOrReceivables" abstract="false" name="ExposureToCreditRiskOnLoansOrReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_LoansAndReceivablesCarriedAtFairValueThroughProfitOrLoss" abstract="false" name="LoansAndReceivablesCarriedAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_NumberOfDaysForWhichTheLoanReceivableIsOverdueForTheLoansToBeWrittenOff" abstract="false" name="NumberOfDaysForWhichTheLoanReceivableIsOverdueForTheLoansToBeWrittenOff" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bmo_CreditCardConsumerInstallmentAndOtherPersonalLoansMember" abstract="true" name="CreditCardConsumerInstallmentAndOtherPersonalLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_SecuritizedLoansMember" abstract="true" name="SecuritizedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_LoansPastDueButNotImpaired" abstract="false" name="LoansPastDueButNotImpaired" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_UpsideScenariosMember" abstract="true" name="UpsideScenariosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_BaseScenariosMember" abstract="true" name="BaseScenariosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_DownsideScenariosMember" abstract="true" name="DownsideScenariosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_First12MonthsMember" abstract="true" name="First12MonthsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_RemainingTwoYearsHorizonMember" abstract="true" name="RemainingTwoYearsHorizonMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_RealGrossDomesticProductGrowthRate" abstract="false" name="RealGrossDomesticProductGrowthRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bmo_CorporateBbbTenYearSpread" abstract="false" name="CorporateBbbTenYearSpread" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bmo_UnemploymentRate" abstract="false" name="UnemploymentRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="bmo_HousingPriceIndex" abstract="false" name="HousingPriceIndex" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="bmo_USDollarsMember" abstract="true" name="USDollarsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_NonUsdNonCadMember" abstract="true" name="NonUsdNonCadMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_LongtermDebtInstrumentsAxis" abstract="true" name="LongtermDebtInstrumentsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bmo_LongtermDebtInstrumentsDomain" abstract="true" name="LongtermDebtInstrumentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_BankReCapitalizationBailinRegimeMember" abstract="true" name="BankReCapitalizationBailinRegimeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_SourceOfDepositAxis" abstract="true" name="SourceOfDepositAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bmo_SourceOfDepositDomain" abstract="true" name="SourceOfDepositDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_DepositsAmortizedCostMember" abstract="true" name="DepositsAmortizedCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_BankDepositsMember" abstract="true" name="BankDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_BusinessAndGovernmentDepositsMember" abstract="true" name="BusinessAndGovernmentDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_PersonalDepositMember" abstract="true" name="PersonalDepositMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_DepositsAtFairValueThroughProfitAndLossMember" abstract="true" name="DepositsAtFairValueThroughProfitAndLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_OtherCountriesMember" abstract="true" name="OtherCountriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_DisclosureOfDepositsLineItems" abstract="true" name="DisclosureOfDepositsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bmo_BalancesOnDemandDepositsFromCustomersInterestBearing" abstract="false" name="BalancesOnDemandDepositsFromCustomersInterestBearing" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_BalancesOnDemandDepositsFromCustomersNoninterestBearing" abstract="false" name="BalancesOnDemandDepositsFromCustomersNoninterestBearing" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_BalancesOnNoticeDepositsFromCustomers" abstract="false" name="BalancesOnNoticeDepositsFromCustomers" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_NonInterestBearingDepositsInstant" abstract="false" name="NonInterestBearingDepositsInstant" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_DisclosureOfDepositsPayableToCustomersOnFixedDateTable" abstract="true" name="DisclosureOfDepositsPayableToCustomersOnFixedDateTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bmo_DepositsMoreThanOneHundredThousandDollarMember" abstract="true" name="DepositsMoreThanOneHundredThousandDollarMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_DisclosureOfDepositsPayableToCustomersOnFixedDateLineItems" abstract="true" name="DisclosureOfDepositsPayableToCustomersOnFixedDateLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bmo_DebenturesSeries20Member" abstract="true" name="DebenturesSeries20Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_SubordinatedDebtMember" abstract="true" name="SubordinatedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_BorrowingsPeriodicPrincipalPayment" abstract="false" name="BorrowingsPeriodicPrincipalPayment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_BorrowingsPeriodicPrincipalPaymentPeriod" abstract="false" name="BorrowingsPeriodicPrincipalPaymentPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bmo_InsuranceInvestmentReturn" abstract="false" name="InsuranceInvestmentReturn" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_InsuranceFinanceIncomeExpensesFromInsuranceAndReinsuranceContractsHeld" abstract="false" name="InsuranceFinanceIncomeExpensesFromInsuranceAndReinsuranceContractsHeld" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_IncomeExpenseDueToChangesInInvestmentContractLiabilities" abstract="false" name="IncomeExpenseDueToChangesInInvestmentContractLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_ContractualServiceMarginFromContracts" abstract="false" name="ContractualServiceMarginFromContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_OnerousContractLosses" abstract="false" name="OnerousContractLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_LaterThanTenYearsAndNotLaterThanTwentyYearsMember" abstract="true" name="LaterThanTenYearsAndNotLaterThanTwentyYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_LaterThanTwentyYearsAndNotLaterThanThirtyYearsMember" abstract="true" name="LaterThanTwentyYearsAndNotLaterThanThirtyYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_AfterThirtyYearsMember" abstract="true" name="AfterThirtyYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_IncreaseInProfitOrLossFromFiftyBasisPointIncreaseInInterestRates" abstract="false" name="IncreaseInProfitOrLossFromFiftyBasisPointIncreaseInInterestRates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_DecreaseInProfitOrLossFromFiftyBasisPointDecreaseInInterestRates" abstract="false" name="DecreaseInProfitOrLossFromFiftyBasisPointDecreaseInInterestRates" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_IncreaseInProfitOrLossFromTenPercentIncreaseInEquityPrices" abstract="false" name="IncreaseInProfitOrLossFromTenPercentIncreaseInEquityPrices" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_DecreaseInProfitOrLossFromTenPercentDecreaseInEquityPrices" abstract="false" name="DecreaseInProfitOrLossFromTenPercentDecreaseInEquityPrices" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_ClassBSeriesFortyFourPreferredSharesMember" abstract="true" name="ClassBSeriesFortyFourPreferredSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_ClassBSeriesFiftyPreferredSharesMember" abstract="true" name="ClassBSeriesFiftyPreferredSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_ClassBSeriesFiftyTwoPreferredSharesMember" abstract="true" name="ClassBSeriesFiftyTwoPreferredSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_OtherEquityInstrumentsMember" abstract="true" name="OtherEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_ClassBSeriesFortyEightPreferredSharesMember" abstract="true" name="ClassBSeriesFortyEightPreferredSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_DebtInstrument1Axis" abstract="true" name="DebtInstrument1Axis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="bmo_DebtInstrument1Domain" abstract="true" name="DebtInstrument1Domain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_FourPointEightPercentageAdditionalTier1CapitalNotesNvccMember" abstract="true" name="FourPointEightPercentageAdditionalTier1CapitalNotesNvccMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_FourPointThreePercentageLimitedRecourseCapitalNotesSeriesOneMember" abstract="true" name="FourPointThreePercentageLimitedRecourseCapitalNotesSeriesOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_FivePointSixTwoFivePercentageLimitedRecourseCapitalNotesSeriesTwoMember" abstract="true" name="FivePointSixTwoFivePercentageLimitedRecourseCapitalNotesSeriesTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_SevenPointThreeTwoFivePercentageLimitedRecourseCapitalNotesSeriesThreeMember" abstract="true" name="SevenPointThreeTwoFivePercentageLimitedRecourseCapitalNotesSeriesThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_SevenPointSevenPercentageLimitedRecourseCapitalNotesSeriesFourMember" abstract="true" name="SevenPointSevenPercentageLimitedRecourseCapitalNotesSeriesFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_SevenPointThreePercentageLimitedRecourseCapitalNotesSeriesFiveMember" abstract="true" name="SevenPointThreePercentageLimitedRecourseCapitalNotesSeriesFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_SixPointEightSevenFivePercentageLimitedRecourseCapitalNotesSeriesSixMember" abstract="true" name="SixPointEightSevenFivePercentageLimitedRecourseCapitalNotesSeriesSixMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_StockOptionPlanMember" abstract="true" name="StockOptionPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_BurgundyAssetManagementLtd.Member" abstract="true" name="BurgundyAssetManagementLtd.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bmo_RedeemablePreferenceSharesValueOutstanding" abstract="false" name="RedeemablePreferenceSharesValueOutstanding" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bmo_PreferredSharesRedeemed" abstract="false" name="PreferredSharesRedeemed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_NumberOfSharesConvertibleUnderStockOptionPlan" abstract="false" name="NumberOfSharesConvertibleUnderStockOptionPlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bmo_NumberOfSharesIssuedUnderStockOptionPlan" abstract="false" name="NumberOfSharesIssuedUnderStockOptionPlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bmo_NumberOfSharesIssuedThroughAcquisitionOfSubsidiaryEquity" abstract="false" name="NumberOfSharesIssuedThroughAcquisitionOfSubsidiaryEquity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="bmo_SharesBuybackProgramDomain" abstract="true" name="SharesBuybackProgramDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bmo_NumberOfSharesRepurchaseUnderNormalCourseIssuerBid" abstract="false" name="NumberOfSharesRepurchaseUnderNormalCourseIssuerBid" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bmo_ShareRepurchaseProgramNumberOfSharesRepurchased" abstract="false" name="ShareRepurchaseProgramNumberOfSharesRepurchased" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="bmo_FinancialAssetsOrLiabilitiesMeasuredAtFairValueMember" abstract="true" name="FinancialAssetsOrLiabilitiesMeasuredAtFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bmo_LoansNetOfAllowanceForLoanLosses" abstract="false" name="LoansNetOfAllowanceForLoanLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bmo_SecuritiesSoldButNotYetPurchasedAtFairValue" abstract="false" name="SecuritiesSoldButNotYetPurchasedAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bmo_DisclosureOfSharebasedPaymentTable" abstract="true" name="DisclosureOfSharebasedPaymentTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bmo_PensionPlansMember" abstract="true" name="PensionPlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="bmo_DefinedBenefitPlansImpactOfPlanAmendmentsExpenses" abstract="false" name="DefinedBenefitPlansImpactOfPlanAmendmentsExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_AdministrativeExpensesNetDefinedBenefitLiabilityAsset" abstract="false" name="AdministrativeExpensesNetDefinedBenefitLiabilityAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bmo_PensionAndOtherEmployeeFutureBenefitExpensesRecovery" abstract="false" name="PensionAndOtherEmployeeFutureBenefitExpensesRecovery" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_TypesOfShareBasedPaymentArrangementsUsedToCalculateDilutiveEPSAxis" abstract="true" name="TypesOfShareBasedPaymentArrangementsUsedToCalculateDilutiveEPSAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="bmo_DilutivePotentialSharesFromStockOptionsMember" abstract="true" name="DilutivePotentialSharesFromStockOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_AntiDilutiveEffectOfOrdinaryCommonSharesPotentiallyRepurchasedOnEarningPerShare" abstract="false" name="AntiDilutiveEffectOfOrdinaryCommonSharesPotentiallyRepurchasedOnEarningPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bmo_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount1" abstract="false" name="AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bmo_WeightedAverageExercisePriceOfAverageOutstandingShareOptionsExcludedFromCalculationOfDilutedEarningsPerShare" abstract="false" name="WeightedAverageExercisePriceOfAverageOutstandingShareOptionsExcludedFromCalculationOfDilutedEarningsPerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="bmo_AdditionalIncomeTaxAndInterestAssessed" abstract="false" name="AdditionalIncomeTaxAndInterestAssessed" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_NumberOfOperatingGroups" abstract="false" name="NumberOfOperatingGroups" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="bmo_UnitedStatesPersonalAndCommercialBankingMember" abstract="true" name="UnitedStatesPersonalAndCommercialBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_WealthManagementMember" abstract="true" name="WealthManagementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_BmoCapitalMarketsMember" abstract="true" name="BmoCapitalMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_CorporateServicesMember" abstract="true" name="CorporateServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_AllOtherOperatingSegmentsMember" abstract="true" name="AllOtherOperatingSegmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_ImpairedLoansMember" abstract="true" name="ImpairedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_PerformingLoansMember" abstract="true" name="PerformingLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_OperatingIncomeExcludingInterest" abstract="false" name="OperatingIncomeExcludingInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="bmo_AverageEarningAssets" abstract="false" name="AverageEarningAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_FirstCitizensAndTrustCompanyMember" abstract="true" name="FirstCitizensAndTrustCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_StonepeakPartnersLPNewlyCombinedEntityMember" abstract="true" name="StonepeakPartnersLPNewlyCombinedEntityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="bmo_BusinessAcquisitionMaximumAmountOfPaymentForContingentConsiderationPeriod" abstract="false" name="BusinessAcquisitionMaximumAmountOfPaymentForContingentConsiderationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bmo_NumberOfBranchesToBeSold" abstract="false" name="NumberOfBranchesToBeSold" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bmo_DepositsHeldForSale" abstract="false" name="DepositsHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_LoansAssetHeldForSale" abstract="false" name="LoansAssetHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_PercentageOfNetDepositPremium" abstract="false" name="PercentageOfNetDepositPremium" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bmo_ExpectedOwnershipOfInterestInSubsidiary" abstract="false" name="ExpectedOwnershipOfInterestInSubsidiary" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bmo_ExpectedImpactOfAssetsReclassifiedToHeldForSaleBeforeTax" abstract="false" name="ExpectedImpactOfAssetsReclassifiedToHeldForSaleBeforeTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_ExpectedImpactOfAssetsReclassifiedToHeldForSaleAfterTax" abstract="false" name="ExpectedImpactOfAssetsReclassifiedToHeldForSaleAfterTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_OtherAssetsRecognisedAsOfAcquisitionDate" abstract="false" name="OtherAssetsRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_IdentifiableAssetsAcquiredRecognisedAsOfAcquisitionDate" abstract="false" name="IdentifiableAssetsAcquiredRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_OtherLiabilitiesRecognizedAsOfAcquisitionDate" abstract="false" name="OtherLiabilitiesRecognizedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bmo_LiabilitiesRecognisedAsOfAcquisitionDate" abstract="false" name="LiabilitiesRecognisedAsOfAcquisitionDate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
