Overview Financials News + Filings IR Vault 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 on investments | 179.0 | 182.0 | 252.0 | 179.0 | 40.0 | 27.0 | 38.0 | 49.0 |
| Total interest income | 12,864.0 | 10,651.0 | 11,095.0 | 11,993.0 | 10,893.0 | 9,648.0 | 8,616.0 | 7,945.0 |
| Interest expense: |
| Interest on deposits | 1,257.0 | 661.0 | 1,231.0 | 1,587.0 | 1,238.0 | 846.0 | 687.0 | 623.0 |
| | 1,865.0 | 1,134.0 | 1,865.0 | 2,530.0 | 2,139.0 | 1,648.0 | 1,398.0 | 1,263.0 |
| Net interest income | 10,999.0 | 9,517.0 | 9,230.0 | 9,463.0 | 8,754.0 | 8,000.0 | 7,218.0 | 6,682.0 |
| Provision for loan losses | 2,359.0 | 218.0 | 5,134.0 | 3,231.0 | 3,035.0 | 2,579.0 | | |
| Net interest income after provision for loan losses | 8,640.0 | 9,299.0 | 4,096.0 | 6,232.0 | 5,719.0 | 5,421.0 | 7,218.0 | 6,682.0 |
| Credit and debit card fees | | | | | | | | 335.0 |
| Gain on sale of investments, net | | | | | | | | 9.0 |
| Other non-interest income | 2,338.0 | 2,570.0 | 1,858.0 | 1,996.0 | 1,955.0 | 1,897.0 | 1,881.0 | 1,713.0 |
| Total non-interest income | 2,338.0 | 2,570.0 | 1,858.0 | 1,996.0 | 1,955.0 | 1,897.0 | 1,881.0 | 2,057.0 |
| Non-interest expenses | 5,236.0 | 4,805.0 | 4,519.0 | 4,393.0 | 4,077.0 | 3,781.0 | 3,584.0 | 3,615.0 |
| Pre-tax income before non-recurring items | 5,742.0 | 7,159.0 | 1,435.0 | 3,835.0 | 3,597.0 | 3,537.0 | 3,656.0 | 3,612.0 |
| Non-recurring items | | 95.0 | | | | | | |
| Pre-tax income | 5,742.0 | 7,064.0 | 1,435.0 | 3,835.0 | 3,597.0 | 3,537.0 | 3,656.0 | 3,612.0 |
| Income taxes | 1,350.0 | 1,615.0 | 294.0 | 878.0 | 855.0 | 1,438.0 | 1,263.0 | 1,315.0 |
| Tax rate | 23.5% | 22.9% | 20.5% | 22.9% | 23.8% | 40.7% | 34.5% | 36.4% |
| Net income | 4,304.0 | 5,351.0 | 1,104.0 | 2,908.0 | 2,689.0 | 2,031.0 | 2,339.0 | 2,246.0 |
| Net margin | 39.2% | 45.1% | 18.5% | 35.3% | 35.0% | 27.8% | 25.7% | 25.7% |
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| Basic EPS | $15.54 | $17.84 | $3.60 | $9.09 | $7.82 | $5.43 | $5.78 | $5.14 |
| Diluted EPS | $15.48 | $17.84 | $3.60 | $9.09 | $7.79 | $5.43 | $5.76 | $5.13 |
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| Shares outstanding (basic) | 277.0 | 300.0 | 307.0 | 320.0 | 344.0 | 374.0 | 405.0 | 437.0 |
| Shares outstanding (diluted) | 278.0 | 300.0 | 307.0 | 320.0 | 345.0 | 374.0 | 406.0 | 438.0 |
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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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