BMO reported record Q3 2025 net income of $2.4B and 22% EPS growth, driven by all operating groups and capital optimization. The bank acquired Burgundy Asset Management to expand wealth offerings and restructured U.S. banking segments under Aron Levine. Credit risk stabilized with $797M PCLs (45 bps), while U.S. loan growth guidance emphasized short-term optimization and long-term market alignment. Management reaffirmed 15% all-bank ROE targets and plans a $30M share repurchase, despite macro uncertainties and sector-specific credit challenges.

 

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