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 | 4,088.0 | 3,452.0 | 3,610.0 | 3,866.0 | 3,613.0 | 3,228.0 | 3,066.0 | 2,942.0 |
| Interest income on investments | 688.0 | 533.0 | 582.0 | 643.0 | 625.0 | 596.0 | 563.0 | 564.0 |
| Interest income on trading account | | | | | | | | 5.0 |
| | 5,102.0 | 4,081.0 | 4,262.0 | 4,596.0 | 4,337.0 | 3,987.0 | 3,814.0 | 3,603.0 |
| Interest expense: |
| Interest on deposits | 197.0 | 64.0 | 180.0 | 447.0 | 250.0 | 156.0 | 117.0 | 109.0 |
| | 316.0 | 167.0 | 368.0 | 851.0 | 602.0 | 373.0 | 313.0 | 268.0 |
| Net interest income | 4,786.0 | 3,914.0 | 3,894.0 | 3,745.0 | 3,735.0 | 3,539.0 | 3,398.0 | 3,307.0 |
| Provision for loan losses | 271.0 | -524.0 | 1,330.0 | | | 150.0 | 262.0 | 241.0 |
| Net interest income after provision for loan losses | 4,515.0 | 4,438.0 | 2,564.0 | 3,745.0 | 3,735.0 | 3,389.0 | 3,136.0 | 3,066.0 |
| Deposit and loan fees | | | | | | | | 662.0 |
| Credit and debit card fees | | | | | | | | 364.0 |
| Gain on sale of investments, net | | | | | | | | 29.0 |
| Other non-interest income | 2,429.0 | 2,524.0 | 2,393.0 | 2,116.0 | 2,019.0 | 1,962.0 | 2,011.0 | 3,161.0 |
| Total non-interest income | 2,429.0 | 2,524.0 | 2,393.0 | 2,116.0 | 2,019.0 | 1,962.0 | 2,011.0 | 4,216.0 |
| Non-interest expenses | 4,068.0 | 3,747.0 | 3,643.0 | 3,489.0 | 3,570.0 | 3,491.0 | 3,483.0 | 3,607.0 |
| Pre-tax income | 3,507.0 | 3,909.0 | 1,534.0 | 2,388.0 | 1,955.0 | 1,860.0 | 1,664.0 | 1,530.0 |
| Income taxes | 631.0 | 694.0 | 220.0 | 403.0 | 387.0 | 619.0 | 510.0 | 455.0 |
| Tax rate | 18.0% | 17.8% | 14.3% | 16.9% | 19.8% | 33.3% | 30.6% | 29.7% |
| Earnings from continuing ops | 2,146.0 | 2,400.0 | 991.0 | 1,503.0 | 1,504.0 | 1,177.0 | 1,090.0 | 1,011.0 |
| Earnings from discontinued ops | | | | | 191.0 | 22.0 | 9.0 | -13.0 |
| Net income | 2,146.0 | 2,400.0 | 991.0 | 1,503.0 | 1,695.0 | 1,199.0 | 1,099.0 | 998.0 |
| Net margin | 30.9% | 34.5% | 20.0% | 1902.5% | 2387.3% | 22.4% | 21.4% | 13.7% |
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| Basic EPS | $2.30 | $2.51 | $1.03 | $1.51 | $1.38 | $0.99 | $0.87 | $0.76 |
| Diluted EPS | $2.28 | $2.49 | $1.03 | $1.50 | $1.36 | $0.98 | $0.86 | $0.76 |
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| Shares outstanding (basic) | 935.0 | 956.0 | 959.0 | 995.0 | 1,092.0 | 1,186.0 | 1,255.0 | 1,325.0 |
| Shares outstanding (diluted) | 942.0 | 963.0 | 962.0 | 999.0 | 1,102.0 | 1,198.0 | 1,261.0 | 1,334.0 |
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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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