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What Canadian bank earnings say about the health of the financial sectorBank of Montreal's stock was downgraded by an influential Bay Street analyst on concern the lender is building up credit losses at a faster. Bank of Montreal's shares dropped sharply due to concerns about its exposure to commercial loan losses, with executives warning of further difficulties ahead. Shares fell 6% in Toronto and triggered a rating downgrade, the stock's second in a month, on a worsening credit outlook. "We freely admit that.