(Adds fourth-quarter details, compares results with estimates) Dec 3 (Reuters) – Bank of Montreal beat Wall Street estimates for quarterly profit on Tuesday, helped by strength in its domestic personal and commercial banking unit. Net income rose 6% to C$716 million ($538 million) in the unit, the lender’s biggest. Personal and commercial banking net income in the U.S. unit was up 6%. Net income at its wealth management unit jumped 22%. However, the company’s net income fell nearly 30% to C$1.19 billion, or C$1.78 per share, in the fourth quarter, hit by a restructuring charge of C$357 million related to severance and real estate costs. reut.rs/2DI7ge5 Excluding items, BMO earned C$2.43 per share, ahead of analysts’ expectations of C$2.41 per share, according to IBES data from Refinitiv. BMO set aside C$253 million for credit losses in the quarter ended Oct. 31, up 45% from a year earlier.