Overall Financial Performance - The bank's Q3/25 net income was $2,527 million, a 32% increase Y/Y and a 24% increase Q/Q[16] - Revenues increased by 13% Y/Y to $9,486 million[16] - The bank's return on equity was 122%, up 240 bps Y/Y[13] - The CET1 ratio stood at 133%, an improvement of approximately 10 basis points Q/Q[13, 18] Segment Performance - Canadian Banking reported net income of $958 million, a 2% decrease Y/Y[23] - Global Wealth Management's net income increased by 14% Y/Y to $417 million[13, 25] - Global Banking and Markets saw a 29% Y/Y increase in net income, reaching $473 million[13, 26] - International Banking reported net income of $670 million, a 6% increase Y/Y[32] Risk Management - The total ACL ratio was 96 bps, up 1 bp Q/Q[43] - Gross impaired loans increased Q/Q by $41 million[58] - Net write-offs increased Q/Q by $17 million[58] Digital Adoption - Canadian Banking's active digital users increased by 47% Y/Y[84] - International Banking's digital adoption grew by 210 bps Y/Y[87]