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Jan 31, 2025
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BMO Q1 2025 Earnings Report
BMO reported strong revenue growth and higher earnings in Q1 2025, driven by solid performance across all business segments.
Key Takeaways
BMO's Q1 2025 net income increased to $2.138 billion, compared to $1.292 billion in Q1 2024. Revenue grew to $9.266 billion, reflecting higher net interest and non-interest income. Adjusted EPS rose to $3.04 from $2.56. The bank maintained a strong CET1 capital ratio of 13.6%.
Net income increased to $2.138 billion, up from $1.292 billion last year.
Revenue rose to $9.266 billion, reflecting broad-based growth.
Adjusted EPS grew to $3.04, compared to $2.56 in Q1 2024.
Common Equity Tier 1 (CET1) ratio remained strong at 13.6%.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
BMO remains well-positioned for future growth with strong capital reserves and strategic investments, despite potential credit risks and macroeconomic uncertainties.
Positive Outlook
- Strong capital position with a CET1 ratio of 13.6%.
- Revenue growth across all major segments.
- Resumption of share buyback program.
- Adjusted ROE improved to 11.3%.
- Continued expansion in U.S. banking operations.
Challenges Ahead
- Higher provisions for credit losses impact profitability.
- Economic uncertainties could affect loan growth.
- Higher operating expenses due to investments and regulatory costs.
- Competition in the banking sector remains high.
- Interest rate fluctuations may impact net interest margins.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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