v3.25.2
Consolidated Income Statement - USD ($)
$ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2025
Mar. 31, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Income Statement [Line Items]          
Interest income from financial instruments measured at amortized cost and fair value through other comprehensive income $ 7,283 $ 6,981 $ 9,320 $ 14,264 $ 19,399
Interest expense from financial instruments measured at amortized cost (6,817) (6,948) (9,319) (13,765) (19,042)
Net interest income from financial instruments measured at fair value through profit or loss and other 1,500 1,597 1,533 3,096 3,118
Net interest income 1,965 1,629 1,535 3,595 3,475
Other net income from financial instruments measured at fair value through profit or loss 3,408 3,937 3,684 7,346 7,866
Fee and commission income 7,361 7,426 7,211 14,787 14,291
Fee and commission expense (653) (649) (679) (1,302) (1,268)
Net fee and commission income 6,708 6,777 6,531 13,485 13,023
Other income 30 213 154 243 278
Total revenues 12,112 12,557 11,904 24,668 24,642
Credit loss expense / (release) 163 100 95 263 201
Personnel expenses 6,976 7,032 7,119 14,008 14,068
General and administrative expenses 1,881 2,431 2,318 4,312 4,731
Depreciation, amortization and impairment of non-financial assets 898 861 903 1,759 1,798
Operating expenses 9,756 10,324 10,340 20,080 20,597
Operating profit / (loss) before tax 2,193 2,132 1,469 4,325 3,844
Tax expense / (benefit) (209) 430 293 221 905
Net profit / (loss) 2,402 1,702 1,175 4,105 2,939
Net profit / (loss) attributable to non-controlling interests 7 10 40 18 48
Net profit / (loss) attributable to shareholders $ 2,395 $ 1,692 $ 1,136 $ 4,087 $ 2,890
Earnings per share          
Basic $ 0.75 $ 0.53 $ 0.35 $ 1.29 $ 0.90
Diluted $ 0.72 $ 0.51 $ 0.34 $ 1.23 $ 0.86