
Balance Sheet:	Consolidated Company		Commercial		Consumer Related		Corporate & Other
At June 30, 2025:	(in millions)
Assets:
Cash, cash equivalents, and investment securities	$	21,368	$	16	$	53	$	21,299
Loans HFS	3,022		—		3,022		—
Loans HFI, net of deferred fees and costs	55,939		33,207		22,732		—
Less: allowance for credit losses	(395)		(332)		(63)		—
Net loans HFI	55,544		32,875		22,669		—

Goodwill and other intangible assets, net	653		290		363		—
Other assets	6,138		318		1,978		3,842
Total assets	$	86,725	$	33,499	$	28,085	$	25,141
Liabilities:
Deposits	$	71,107	$	26,307	$	38,546	$	6,254
Borrowings and qualifying debt	6,730		—		44		6,686
Other liabilities	1,481		76		564		841
Total liabilities	79,318		26,383		39,154		13,781
Allocated equity:	7,407		3,503		2,352		1,552
Total liabilities and equity	$	86,725	$	29,886	$	41,506	$	15,333
Excess funds provided (used)	$	—	$	(3,613)	$	13,421	$	(9,808)




Income Statement:
Three Months Ended June 30, 2025:	(in millions)
Interest income	$	1,154.4	$	612.9	$	303.3	$	238.2
Interest expense	456.8		153.5		156.9		146.4
Funds transfer pricing	—		(138.3)		286.0		(147.7)
Net interest income (expense)	697.6		321.1		432.4		(55.9)
Provision for credit losses	39.9		35.0		4.8		0.1
Net interest income (expense) after provision for credit losses	657.7		286.1		427.6		(56.0)
Non-interest income	148.3		38.3		86.0		24.0
Salaries and employee benefits	179.9		35.4		39.1		105.4
Other non-interest expense (1)	334.8		134.4		291.2		(90.8)
Income (loss) before provision for income taxes	291.3		154.6		183.3		(46.6)
Income tax expense (benefit)	53.5		28.1		34.3		(8.9)
Net income (loss)	$	237.8	$	126.5	$	149.0	$	(37.7)

Six Months Ended June 30, 2025:	(in millions)
Interest income	$	2,250.0	$	1,204.4	$	588.5	$	457.1
Interest expense	901.8		303.4		312.9		285.5
Funds transfer pricing	—		(270.1)		556.2		(286.1)
Net interest income (expense)	1,348.2		630.9		831.8		(114.5)
Provision for (recovery of) credit losses	71.1		66.2		9.9		(5.0)
Net interest income (expense) after provision for credit losses	1,277.1		564.7		821.9		(109.5)
Non-interest income	275.7		75.2		165.5		35.0
Salaries and employee benefits	362.3		79.6		82.1		200.6
Other non-interest expense (1)	652.8		259.2		557.9		(164.3)
Income (loss) before provision for income taxes	537.7		301.1		347.4		(110.8)
Income tax expense (benefit)	100.8		50.5		59.5		(9.2)
Net income (loss)	$	436.9	$	250.6	$	287.9	$	(101.6)


Balance Sheet:	Consolidated Company		Commercial		Consumer Related		Corporate & Other
At December 31, 2024:	(in millions)
Assets:
Cash, cash equivalents, and investment securities	$	19,191	$	14	$	—	$	19,177
Loans HFS	2,286		—		2,286		—
Loans HFI, net of deferred fees and costs	53,676		31,544		22,132		—
Less: allowance for credit losses	(374)		(320)		(54)		—
Net loans HFI	53,302		31,224		22,078		—

Goodwill and other intangible assets, net	659		291		368		—
Other assets	5,496		367		1,923		3,206
Total assets	$	80,934	$	31,896	$	26,655	$	22,383
Liabilities:
Deposits	$	66,341	$	25,487	$	33,767	$	7,087
Borrowings and qualifying debt	6,472		15		37		6,420
Other liabilities	1,414		72		476		866
Total liabilities	74,227		25,574		34,280		14,373
Allocated equity:	6,707		2,727		1,899		2,081
Total liabilities and equity	$	80,934	$	28,301	$	36,179	$	16,454
Excess funds provided (used)	$	—	$	(3,595)	$	9,524	$	(5,929)




Income Statement:
Three Months Ended June 30, 2024:	(in millions)
Interest income	$	1,147.5	$	625.5	$	258.5	$	263.5
Interest expense	490.9		174.8		155.3		160.8
Funds transfer pricing	—		(158.6)		236.0		(77.4)
Net interest income	656.6		292.1		339.2		25.3
Provision for credit losses	37.1		36.1		1.0		—
Net interest income after provision for credit losses	619.5		256.0		338.2		25.3
Non-interest income	115.2		23.1		90.0		2.1
Salaries and employee benefits	153.0		39.8		31.5		81.7
Other non-interest expense (1)	333.8		110.4		299.9		(76.5)
Income before provision for income taxes	247.9		128.9		96.8		22.2
Income tax expense	54.3		28.1		21.5		4.7
Net income	$	193.6	$	100.8	$	75.3	$	17.5

Six Months Ended June 30, 2024:
Interest income	$	2,202.5	$	1,232.7	$	510.9	$	458.9
Interest expense	947.0		343.1		289.4		314.5
Funds transfer pricing	—		(308.9)		410.7		(101.8)
Net interest income	1,255.5		580.7		632.2		42.6
Provision for credit losses	52.3		51.4		0.6		0.3
Net interest income after provision for credit losses	1,203.2		529.3		631.6		42.3
Non-interest income	245.1		49.1		185.7		10.3
Salaries and employee benefits	307.9		74.6		69.0		164.3
Other non-interest expense (1)	660.7		231.0		558.6		(128.9)
Income before provision for income taxes	479.7		272.8		189.7		17.2
Income tax expense	108.7		61.9		43.3		3.5
Net income	$	371.0	$	210.9	$	146.4	$	13.7