Operator
Good morning, and welcome to the BMO Monetary Group’s This fall 2025 Earnings Launch and Convention Name for December 4, 2025. Your host for right this moment is Christine Viau. Please go forward.
Christine Viau
Head of Investor Relations
Thanks, and good morning. We’ll start the decision right this moment with remarks from Darryl White, BMO’s CEO; adopted by Tayfun Tuzun, our Chief Monetary Officer; and Piyush Agrawal, our Chief Threat Officer. Additionally current to reply questions are our group heads: Matt Mehrotra from Canadian Private and Enterprise Banking; Sharon Haward-Laird, Canadian Business Banking; Aron Levine, U.S. Banking; Alan Tannenbaum, BMO Capital Markets; Deland Kamanga, BMO Wealth Administration; and Darrel Hackett, BMO U.S. CEO.
[Operator Instructions] As famous on Slide 2, forward-looking statements could also be made throughout this name, which contain assumptions which have inherent dangers and uncertainties. Precise outcomes may differ materially from these statements. I’d additionally remind listeners that the financial institution makes use of non-GAAP monetary measures to reach at adjusted outcomes, administration measures efficiency on a reported and adjusted foundation and considers each to be helpful in assessing


