Overview Financials News + Filings Key Docs Charts 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 on loans | 16,881.0 | 15,228.0 | 15,950.0 | 18,705.0 | 17,644.0 | 16,219.0 | 14,682.0 | 13,179.0 |
| Total interest income | 17,146.0 | 15,271.0 | 16,067.0 | 19,090.0 | 17,988.0 | 16,407.0 | 14,778.0 | 13,228.0 |
| Interest on deposits | 1,008.0 | 566.0 | 1,094.0 | 1,566.0 | 1,186.0 | 848.0 | 727.0 | 607.0 |
| Total interest expense | 1,521.0 | 1,032.0 | 1,665.0 | 2,291.0 | 1,870.0 | 1,391.0 | 1,248.0 | 916.0 |
| Net interest income | 15,625.0 | 14,239.0 | 14,402.0 | 16,799.0 | 16,118.0 | 15,016.0 | 13,530.0 | 14,144.0 |
| Net interest income after provision for loan losses | 15,625.0 | 14,239.0 | 14,402.0 | 16,799.0 | 16,118.0 | 15,016.0 | 13,530.0 | 14,144.0 |
| Other non-interest income | 380.0 | 481.0 | 405.0 | 371.0 | 265.0 | 288.0 | 344.0 | 392.0 |
| Total non-interest income | 380.0 | 481.0 | 405.0 | 371.0 | 265.0 | 288.0 | 344.0 | 392.0 |
| Non-interest expenses | 4,337.0 | 3,963.0 | 4,055.0 | 4,245.0 | 4,095.0 | 3,747.0 | 3,416.0 | 3,264.0 |
| Pre-tax income | 3,962.0 | 5,503.0 | 1,797.0 | 4,887.0 | 3,644.0 | 3,324.0 | 3,570.0 | 3,531.0 |
| Income taxes | 946.0 | 1,282.0 | 412.0 | 1,140.0 | 854.0 | 1,389.0 | 1,319.0 | 1,317.0 |
| Tax rate | 23.9% | 23.3% | 22.9% | 23.3% | 23.4% | 41.8% | 36.9% | 37.3% |
| Net income | 2,974.0 | 4,179.0 | 1,343.0 | 3,747.0 | 2,790.0 | 1,935.0 | 2,251.0 | 2,214.0 |
| Net margin | 18.6% | 28.4% | 9.1% | 21.8% | 17.0% | 12.6% | 16.2% | 15.2% |
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| Basic EPS | $6.19 | $7.40 | $2.28 | $5.59 | $3.76 | $2.43 | $2.71 | $2.66 |
| Diluted EPS | $6.15 | $7.34 | $2.27 | $5.56 | $3.74 | $2.42 | $2.71 | $2.65 |
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| Shares outstanding (basic) | 480.4 | 564.6 | 589.0 | 670.2 | 742.3 | 795.6 | 829.2 | 833.8 |
| Shares outstanding (diluted) | 483.4 | 569.3 | 590.8 | 673.5 | 746.9 | 799.7 | 831.5 | 835.5 |
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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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