Overview Financials News + Filings Key Docs Charts Holdings Ownership Insiders
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| In millions, except per share items | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 | Dec-31-13 | Dec-31-12 | Dec-31-11 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 6,058.0 | 5,385.0 | 4,939.0 | 4,506.0 | 4,617.0 | 4,633.0 | 5,035.0 | 5,219.0 |
| Interest income on investments | 849.0 | 756.0 | 636.0 | 558.0 | 575.0 | 547.0 | 594.0 | 709.0 |
| Interest income on trading account | 197.0 | 147.0 | 111.0 | 84.0 | 76.0 | 69.0 | 65.0 | 78.0 |
| | 7,205.0 | 6,387.0 | 5,778.0 | 5,265.0 | 5,384.0 | 5,388.0 | 5,867.0 | 6,181.0 |
| Interest expense: |
| Interest on deposits | 711.0 | 404.0 | 259.0 | 219.0 | 235.0 | 291.0 | 429.0 | 624.0 |
| Interest on borrowings | 132.0 | 62.0 | 38.0 | 30.0 | 39.0 | 34.0 | 37.0 | 43.0 |
| | 1,218.0 | 754.0 | 557.0 | 501.0 | 544.0 | 535.0 | 765.0 | 1,116.0 |
| Net interest income | 5,987.0 | 5,633.0 | 5,221.0 | 4,764.0 | 4,840.0 | 4,853.0 | 5,102.0 | 5,065.0 |
| Provision for loan losses | 208.0 | 409.0 | 444.0 | 165.0 | 342.0 | 553.0 | 1,395.0 | 1,513.0 |
| Net interest income after provision for loan losses | 5,779.0 | 5,224.0 | 4,777.0 | 4,599.0 | 4,498.0 | 4,300.0 | 3,707.0 | 3,552.0 |
| Deposit and loan fees | 579.0 | 603.0 | 630.0 | 622.0 | 645.0 | 657.0 | 676.0 | 685.0 |
| Credit and debit card fees | 324.0 | 344.0 | 327.0 | 329.0 | 320.0 | 310.0 | 316.0 | 463.0 |
| Gain on sale of investments, net | | | | 21.0 | -15.0 | 3.0 | 1,981.0 | 123.0 |
| Other non-interest income | 2,323.0 | 2,407.0 | 2,426.0 | 2,296.0 | 2,373.0 | 2,244.0 | 2,400.0 | 2,150.0 |
| Total non-interest income | 3,226.0 | 3,354.0 | 3,383.0 | 3,268.0 | 3,323.0 | 3,214.0 | 5,373.0 | 3,421.0 |
| Non-interest expenses | 5,673.0 | 5,764.0 | 5,468.0 | 5,160.0 | 5,543.0 | 5,831.0 | 6,284.0 | 6,234.0 |
| Pre-tax income before non-recurring items | 3,420.0 | 3,066.0 | 2,830.0 | 2,849.0 | 2,525.0 | 1,810.0 | 2,919.0 | 853.0 |
| Non-recurring items | | 107.0 | | | 105.0 | | | |
| Pre-tax income | 3,420.0 | 2,959.0 | 2,830.0 | 2,849.0 | 2,420.0 | 1,810.0 | 2,919.0 | 853.0 |
| Income taxes | 548.0 | 532.0 | 805.0 | 764.0 | 493.0 | 322.0 | 812.0 | 79.0 |
| Tax rate | 16.0% | 18.0% | 28.4% | 26.8% | 20.4% | 17.8% | 27.8% | 9.3% |
| Minority interest | 9.0 | 9.0 | 9.0 | 10.0 | 11.0 | 17.0 | 26.0 | 13.0 |
| Net income | 2,668.0 | 2,179.0 | 1,811.0 | 1,863.0 | 1,722.0 | 1,297.0 | 1,931.0 | 495.0 |
| Net margin | 29.6% | 25.4% | 22.2% | 23.7% | 22.0% | 17.3% | 21.3% | 7.1% |
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| Basic EPS | $5.79 | $4.53 | $3.63 | $3.62 | $3.26 | $2.43 | $3.62 | $0.94 |
| Diluted EPS | $5.74 | $4.47 | $3.60 | $3.58 | $3.23 | $2.41 | $3.59 | $0.94 |
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| Shares outstanding (basic) | 460.9 | 481.3 | 498.6 | 514.8 | 527.5 | 534.3 | 534.1 | 524.0 |
| Shares outstanding (diluted) | 465.0 | 487.0 | 503.5 | 520.6 | 533.4 | 539.1 | 538.1 | 527.6 |
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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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