Overview Financials News + Filings Key Docs Charts Transactions Holdings Ownership Insiders
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| In millions, except per share items | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on investments | 83.0 | 127.0 | 188.0 | 118.0 | 89.0 | 131.0 | 157.0 | 179.0 |
| | 9,033.0 | 10,083.0 | 12,084.0 | 10,606.0 | 8,563.0 | 7,484.0 | 7,545.0 | 7,179.0 |
| Interest expense: |
| Interest on deposits | 458.0 | 943.0 | 1,559.0 | 1,287.0 | 779.0 | 598.0 | 475.0 | 373.0 |
| | 1,283.0 | 2,098.0 | 3,464.0 | 2,943.0 | 2,112.0 | 1,705.0 | 1,623.0 | 1,707.0 |
| Net interest income | 7,750.0 | 7,985.0 | 8,620.0 | 7,663.0 | 6,451.0 | 5,779.0 | 5,922.0 | 5,472.0 |
| Provision for loan losses | | | | | 1,868.0 | 1,235.0 | 1,190.0 | 1,138.0 |
| Net interest income after provision for loan losses | 7,750.0 | 7,985.0 | 8,620.0 | 7,663.0 | 4,583.0 | 4,544.0 | 4,732.0 | 4,334.0 |
| Credit and debit card fees | | | | | | | 2,700.0 | 2,712.0 |
| Gain on sale of investments, net | | | | | | | | 100.0 |
| Other non-interest income | 34,630.0 | 28,102.0 | 34,936.0 | 32,675.0 | 30,427.0 | 29,659.0 | 24,196.0 | 25,904.0 |
| Total non-interest income | 34,630.0 | 28,102.0 | 34,936.0 | 32,675.0 | 30,427.0 | 29,659.0 | 26,896.0 | 28,716.0 |
| Non-interest expenses | 33,110.0 | 27,061.0 | 31,554.0 | 28,864.0 | 26,693.0 | 25,369.0 | 22,892.0 | 23,153.0 |
| Pre-tax income before non-recurring items | 10,679.0 | 4,421.0 | 8,554.0 | 8,099.0 | 7,467.0 | 8,371.0 | 7,912.0 | 9,402.0 |
| Non-recurring items | -10.0 | 125.0 | 125.0 | -23.0 | 42.0 | 329.0 | -26.0 | 411.0 |
| Pre-tax income | 10,689.0 | 4,296.0 | 8,429.0 | 8,122.0 | 7,425.0 | 8,042.0 | 7,938.0 | 8,991.0 |
| Income taxes | 2,629.0 | 1,161.0 | 1,670.0 | 1,201.0 | 4,677.0 | 2,667.0 | 2,775.0 | 3,106.0 |
| Tax rate | 24.6% | 27.0% | 19.8% | 14.8% | 63.0% | 33.2% | 35.0% | 34.5% |
| Net income | 8,060.0 | 3,135.0 | 6,759.0 | 6,921.0 | 2,748.0 | 5,375.0 | 5,163.0 | 5,885.0 |
| Net margin | 29.1% | 14.3% | 24.0% | 26.0% | 7.8% | 15.7% | 16.3% | 17.8% |
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| Basic EPS | $10.22 | $3.89 | $8.16 | $8.09 | $3.11 | $5.76 | $5.17 | $5.63 |
| Diluted EPS | $10.20 | $3.89 | $8.14 | $8.06 | $3.10 | $5.75 | $5.15 | $5.60 |
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| Shares outstanding (basic) | 789.0 | 805.0 | 828.0 | 856.0 | 883.0 | 933.0 | 999.0 | 1,045.0 |
| Shares outstanding (diluted) | 790.0 | 806.0 | 830.0 | 859.0 | 886.0 | 935.0 | 1,003.0 | 1,051.0 |
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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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