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Jul 31, 2025
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BMO Q3 2025 Earnings Report
BMO reported strong third-quarter results with solid net income and revenue growth.
Key Takeaways
BMO delivered a strong Q3 2025, with net income rising to CAD 2.33 billion and adjusted EPS of CAD 3.23. The bank demonstrated disciplined execution, improved performance in U.S. operations, and maintained solid credit quality and capital strength.
Reported net income was CAD 2.33 billion, up from CAD 1.865 billion the previous year.
Adjusted EPS reached CAD 3.23, reflecting strong operational performance.
Provision for credit losses decreased to CAD 797 million from CAD 906 million.
Common Equity Tier 1 ratio improved to 13.5%.
Forward Guidance
BMO continues to invest in long-term growth and efficiency, supported by a strong balance sheet and disciplined execution.
Positive Outlook
- Continued investment in AI and digital capabilities.
- Expansion through acquisition of Burgundy Asset Management.
- Strong U.S. segment performance.
- Improved credit quality and lower provisions.
- Stable CET1 ratio at 13.5%.
Challenges Ahead
- Slight decline in Canadian P&C net income.
- Ongoing expense pressures in some segments.
- Credit uncertainty remains a consideration.
- Market conditions may impact revenue growth.
- Dependence on regulatory approvals for new NCIB.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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