Bank of Montreal (BMO) Q3 2025 Earnings Call

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WEBVTT 00:00:00.402 -- 00:00:05.450 Good morning and welcome to the BMO Financial Group's Q3 2025 00:00:05.450 -- 00:00:10.594 earnings release and conference call for August 26, 2025. 00:00:10.858 -- 00:00:15.244 Your host for today is Christine Viau. Please go ahead. 00:00:15.244 -- 00:00:20.412 Thank you. We will begin today's call with remarks from Gerald White, BMO CEO, followed 00:00:20.412 -- 00:00:25.980 by Typhoon Tizun, our Chief Financial Officer, and Piyush Agrawal, our Chief Risk Officer. 00:00:25.980 -- 00:00:28.668 Also present to answer questions are our group heads. 00:00:28.668 -- 00:00:33.295 Matt Marotra, Canadian Personal and Business Banking, Sharon Hayward-Laird, Canadian 00:00:33.295 -- 00:00:38.984 Commercial Banking, Aaron Levine, U.S. Banking, Alan Tenenbaum, BMO Capital Markets, 00:00:38.984 -- 00:00:42.930 Dellen Kamenga, BMO Wealth Management, and Daryl Hackett, BMO U.S. 00:00:42.930 -- 00:00:48.118 CEO. As our call will end at 8.15, and to give everyone a chance to participate, please 00:00:48.118 -- 00:00:53.106 limit your questions to one and re-queue. As noted on slide two, forward-looking statements 00:00:53.106 -- 00:00:56.511 may be made during this call, which involve assumptions that have inherent risks and 00:00:56.511 -- 00:01:00.595 uncertainties. Actual results could differ materially from these statements. 00:01:00.595 -- 00:01:04.259 I would also remind listeners that the bank uses non-GAAP financial measures to arrive 00:01:04.259 -- 00:01:08.584 at adjusted results. Management measures performance on a reported and adjusted basis 00:01:08.584 -- 00:01:12.267 and considers both to be useful in assessing underlying business performance. 00:01:12.267 -- 00:01:16.011 Daryl and Typhoon will be referring to adjusted results in...