Bank of Montreal

All participants, please continue to stand by. The conference will begin momentarily. Once again, please continue to stand by. We thank you for your patience. This conference is being recorded. Cette conférence est enregistrée.

All participants, please stand by. Your conference is ready to begin. Good morning and welcome to BMO Financial Group's Q3 2024 Earnings Release and Conference Call for August 27, 2024. Your host for today is Christine Veal. Please go ahead.

Thank you and good morning. We will begin the call with remarks from Gerald White, BMO CEO, followed by Typhoon Tuzun, our Chief Financial Officer, and Piyush Agrawal, our Chief Risk Officer. Also present to take questions are Ernie Johanson, Head of BMO North American Personal and Business Banking, Nadeem Herji, Head of BMO Commercial Banking, Alan Tannenbaum, Head of BMO Capital Markets, Deland Kamenga, Head of BMO Wealth Management, and Daryl Hackett, BMO U.S. CEO. As our call will end at 8.15 this morning, please limit yourselves to one question during the Q&A and re-queue to give everyone a chance to participate. As noted on slide 2, forward-looking statements may be made during this call, which involve assumptions that have inherent risks and uncertainties. Actual results could differ materially from these statements. I would also remind listeners that the Bank uses non-GAAP financial measures to arrive at adjusted results. Management measures performance on a reported and adjusted basis and considers both to be useful in assessing underlying business performance. Daryl and Typhoon will be referring to adjusted results in their remarks unless otherwise noted. I will now turn the call over to Daryl.