Q4 2021 Bank of Montreal Earnings Call Transcript
Good morning, and welcome to the BMO Financial Group's Q4 2021 Earnings Release and Conference Call for December 3, 2021. Your host for today is Christine Viau. Please go ahead.
Thank you, and good morning. Welcome to BMO's Fourth Quarter 2021 Results Presentation. We will begin the call with remarks from Darryl White, BMO's CEO; followed by Tayfun Tuzun, our Chief Financial Officer; and Pat Cronin, our Chief Risk Officer.
Also present to take questions today are Ernie Johannson from Canadian P&C; Dave Casper from U.S. P&C; Dan Barclay from BMO Capital Markets and Deland Kamanga from BMO Wealth Management. 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
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