Overview Financials News + Filings Key Docs Charts Holdings Ownership Insiders
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| In millions, except per share items | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 11,481.0 | 13,485.0 | 7,982.0 | 6,894.0 | 6,230.0 | 5,985.0 | 5,347.0 | 5,163.0 |
| Interest income on investments | 2,090.0 | 1,739.0 | 1,319.0 | 1,160.0 | 1,092.0 | 1,029.0 | 941.0 | 939.0 |
| | 13,774.0 | 15,548.0 | 9,409.0 | 8,120.0 | 7,374.0 | 7,066.0 | 6,327.0 | 6,142.0 |
| Interest expense: |
| Interest on deposits | 148.0 | 785.0 | 1,101.0 | 644.0 | 344.0 | 251.0 | 233.0 | 239.0 |
| | 768.0 | 1,722.0 | 2,096.0 | 1,438.0 | 839.0 | 745.0 | 735.0 | 768.0 |
| Net interest income | 13,006.0 | 13,826.0 | 7,313.0 | 6,682.0 | 6,535.0 | 6,321.0 | 5,592.0 | 5,374.0 |
| Provision for loan losses | -813.0 | 2,335.0 | 615.0 | 566.0 | 547.0 | 572.0 | 428.0 | 251.0 |
| Net interest income after provision for loan losses | 13,819.0 | 11,491.0 | 6,698.0 | 6,116.0 | 5,988.0 | 5,749.0 | 5,164.0 | 5,123.0 |
| Deposit and loan fees | | | | | | | 631.0 | 632.0 |
| Credit and debit card fees | | | | | | | 218.0 | 207.0 |
| Gain on sale of investments, net | | | | | | | | -23.0 |
| Other non-interest income | 9,290.0 | 8,879.0 | 5,255.0 | 4,876.0 | 4,782.0 | 4,472.0 | 3,170.0 | 3,040.0 |
| Total non-interest income | 9,290.0 | 8,879.0 | 5,255.0 | 4,876.0 | 4,782.0 | 4,472.0 | 4,019.0 | 3,856.0 |
| Non-interest expenses | 15,116.0 | 14,897.0 | 7,934.0 | 6,932.0 | 7,444.0 | 6,721.0 | 6,266.0 | 5,852.0 |
| Pre-tax income before non-recurring items | 8,815.0 | 6,333.0 | 4,379.0 | 4,206.0 | 3,441.0 | 3,671.0 | 3,082.0 | 3,173.0 |
| Non-recurring items | 822.0 | 860.0 | 360.0 | 146.0 | 115.0 | 171.0 | 165.0 | 46.0 |
| Pre-tax income | 7,993.0 | 5,473.0 | 4,019.0 | 4,060.0 | 3,326.0 | 3,500.0 | 2,917.0 | 3,127.0 |
| Income taxes | 1,556.0 | 981.0 | 782.0 | 803.0 | 911.0 | 1,058.0 | 794.0 | 921.0 |
| Tax rate | 19.5% | 17.9% | 19.5% | 19.8% | 27.4% | 30.2% | 27.2% | 29.5% |
| Minority interest | -3.0 | 10.0 | 13.0 | 20.0 | 21.0 | 16.0 | 39.0 | 75.0 |
| Net income | 6,033.0 | 4,184.0 | 3,028.0 | 3,063.0 | 2,220.0 | 2,259.0 | 1,936.0 | 1,983.0 |
| Net margin | 26.1% | 20.5% | 25.3% | 27.9% | 20.6% | 22.1% | 21.1% | 22.1% |
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| Basic EPS | $4.51 | $3.11 | $3.76 | $3.96 | $2.78 | $2.81 | $2.59 | $2.76 |
| Diluted EPS | $4.47 | $3.08 | $3.71 | $3.91 | $2.74 | $2.77 | $2.55 | $2.72 |
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| Shares outstanding (basic) | 1,337.1 | 1,347.1 | 805.1 | 773.0 | 799.2 | 804.7 | 748.0 | 718.1 |
| Shares outstanding (diluted) | 1,349.4 | 1,358.3 | 815.2 | 783.5 | 811.0 | 814.9 | 757.8 | 728.4 |
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| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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