Overview Financials News + Filings Key Docs Charts Holdings Ownership Insiders
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| In millions, except per share items | Dec-31-22 | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 13,603.0 | 10,747.0 | 12,018.0 | 14,099.0 | 13,120.0 | 11,788.0 | 10,777.0 | 10,059.0 |
| Interest income on investments | 3,378.0 | 2,365.0 | 2,428.0 | 2,893.0 | 2,616.0 | 2,232.0 | 2,078.0 | 2,001.0 |
| | 17,945.0 | 13,487.0 | 14,840.0 | 17,494.0 | 16,173.0 | 14,346.0 | 13,134.0 | 12,402.0 |
| Interest expense: |
| Interest on deposits | 1,872.0 | 320.0 | 950.0 | 2,855.0 | 1,869.0 | 1,041.0 | 622.0 | 457.0 |
| | 3,217.0 | 993.0 | 2,015.0 | 4,442.0 | 3,254.0 | 1,966.0 | 1,468.0 | 1,401.0 |
| Net interest income | 14,728.0 | 12,494.0 | 12,825.0 | 13,052.0 | 12,919.0 | 12,380.0 | 11,666.0 | 11,001.0 |
| Provision for loan losses | 1,977.0 | -1,173.0 | 3,806.0 | 1,504.0 | 1,379.0 | 1,390.0 | 1,324.0 | 1,132.0 |
| Net interest income after provision for loan losses | 12,751.0 | 13,667.0 | 9,019.0 | 11,548.0 | 11,540.0 | 10,990.0 | 10,342.0 | 9,869.0 |
| Deposit and loan fees | 1,298.0 | 1,338.0 | 1,245.0 | | | | | 702.0 |
| Credit and debit card fees | | | | | | | | 1,070.0 |
| Gain on sale of investments, net | | | | | | | -6.0 | -1.0 |
| Other non-interest income | 8,158.0 | 8,889.0 | 9,156.0 | 9,831.0 | 9,602.0 | 9,317.0 | 9,296.0 | 7,321.0 |
| Total non-interest income | 9,456.0 | 10,227.0 | 10,401.0 | 9,831.0 | 9,602.0 | 9,317.0 | 9,290.0 | 9,092.0 |
| Non-interest expenses | 14,906.0 | 13,728.0 | 13,369.0 | 12,785.0 | 12,464.0 | 12,790.0 | 11,527.0 | 10,931.0 |
| Pre-tax income | 7,301.0 | 10,166.0 | 6,051.0 | 8,594.0 | 8,678.0 | 7,517.0 | 8,105.0 | 8,030.0 |
| Income taxes | 1,463.0 | 2,181.0 | 1,066.0 | 1,648.0 | 1,554.0 | 1,264.0 | 2,161.0 | 2,097.0 |
| Tax rate | 20.0% | 21.5% | 17.6% | 19.2% | 17.9% | 16.8% | 26.7% | 26.1% |
| Minority interest | 13.0 | 22.0 | 26.0 | 32.0 | 28.0 | 35.0 | 56.0 | 54.0 |
| Net income | 5,501.0 | 7,605.0 | 4,621.0 | 6,583.0 | 6,784.0 | 5,913.0 | 5,589.0 | 5,608.0 |
| Net margin | 24.8% | 31.8% | 23.8% | 30.8% | 32.1% | 29.1% | 28.5% | 29.6% |
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| Basic EPS | $3.69 | $5.11 | $3.06 | $4.16 | $4.15 | $3.53 | $3.25 | $3.18 |
| Diluted EPS | $3.69 | $5.10 | $3.06 | $4.16 | $4.14 | $3.51 | $3.24 | $3.16 |
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| Shares outstanding (basic) | 1,489.0 | 1,489.0 | 1,509.0 | 1,581.0 | 1,634.0 | 1,677.0 | 1,718.0 | 1,764.0 |
| Shares outstanding (diluted) | 1,490.0 | 1,490.0 | 1,510.0 | 1,583.0 | 1,638.0 | 1,683.0 | 1,724.0 | 1,772.0 |
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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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