Canadian Imperial Bank of Commerce (CM) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning. Welcome to the CIB CQ3 Quarterly Results Conference Call. Please be advised that this call is being recorded. I would now like to turn the meeting over to Jeff Weiss, Senior Vice President, Investor Relations. Please go ahead, Jeff. Thank you and good morning. We'll begin this morning's call with opening remarks from Victor Dodig, our President and Chief Executive Officer, followed by Rob Sedran, our Chief Financial Officer, and Frank Guse, our Chief Risk Officer. Also on the call today are a number of our senior executives, including Harry Collum, our Chief Operating Officer, Sean Bieber, U.S. Commercial and Wealth Management, Raj Panosian, Personal and Business Banking, and Susan Rimmer, Canadian Commercial Banking and Wealth Management. They're all available to take questions following the prepared remarks. We have a hard stop at 8.30 and would like to give everyone a chance to participate. So as usual, we ask that you please limit your questions to one and re-queue in the Q&A. We'll make ourselves available after the call for any follow-ups. As noted on slide two of our investor presentation, our comments may contain forward-looking statements which involve assumptions and have inherent risks and uncertainties. Actual results may differ materially. I would also remind listeners that the bank uses non-GAAP financial measures to arrive at adjusted results. Management measures performance on a reported and adjusted basis and considers both to be useful in assessing underlying business performance. With that, I'll now turn the call over to Victor. Thanks, Jeff, and good morning, everyone. I'd like to begin the call today with three key messages. The first message is that our client focus and execution mindset has culminated into another clean quarter wi...