BMO(US:BMO)2025-08-26 11:15Financial Performance - BMO's Q3'25 reported EPS was $3.14, up 22% Y/Y, and adjusted EPS was $3.23, up 14% Y/Y[9] - YTD'25 PPPT2 reached $11.4 billion, a 19% increase Y/Y[9] - The reported Return on Equity (ROE) for Q3'25 was 11.6%, while the adjusted ROE was 12.0%[10] - Adjusted net income increased by 21%, excluding $69 million amortization of acquisition-related intangible assets[32] Business Segment Performance - Canadian Personal & Commercial Banking revenue increased by 7% YTD and 2% in Q3'25, reaching $6.6 billion[13] - U S Personal & Commercial Banking revenue increased by 3% YTD and 4% in Q3'25, reaching US$5.5 billion[15] - BMO Wealth Management revenue increased by 13% YTD, reaching $4.7 billion[17] - BMO Capital Markets revenue increased by 7% YTD, reaching $5.6 billion[19] Digital Strategy - Active digital users in retail banking increased by 5% to 4,863,000 in Q3'25[23] - Active digital users in commercial banking increased by 9% to 350,000 in Q3'25[26] Risk Management - Q3'25 PCL ratio on impaired loans was 45 bps, down 1bp Q/Q[82] - Allowance on performing loans stood at 70 bps[88]