7Baggers
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 
      
    		                          
      interest income on:
    		                          
      loans, including fees
    		1,386,000,000 1,377,000,000 1,342,000,000 1,416,000,000 1,463,000,000 1,432,000,000 1,421,000,000 1,457,000,000 1,462,000,000 1,454,000,000 1,360,000,000 1,208,000,000 1,072,000,000 932,000,000 876,000,000 902,000,000 847,000,000 849,000,000 854,000,000 906,000,000 903,000,000 898,000,000 903,000,000 923,000,000 970,000,000 992,000,000 
      debt securities
    		293,000,000 286,000,000 266,000,000 256,000,000 241,000,000 219,000,000 209,000,000 192,000,000 185,000,000 185,000,000 187,000,000 222,000,000 171,000,000 157,000,000 138,000,000 134,000,000 135,000,000 131,000,000 133,000,000 136,000,000 140,000,000 148,000,000 158,000,000    
      loans held for sale
    		9,000,000 9,000,000 8,000,000 11,000,000 11,000,000 9,000,000 8,000,000 9,000,000 14,000,000 10,000,000 7,000,000 9,000,000 8,000,000 10,000,000 9,000,000 6,000,000 7,000,000 12,000,000 12,000,000 9,000,000 8,000,000 6,000,000 5,000,000 5,000,000 5,000,000 4,000,000 
      other earning assets
    		108,000,000 112,000,000 109,000,000 119,000,000 105,000,000 102,000,000 86,000,000 93,000,000 105,000,000 90,000,000 87,000,000 113,000,000 92,000,000 56,000,000 29,000,000 14,000,000 17,000,000 14,000,000 14,000,000 10,000,000 8,000,000 11,000,000 13,000,000 13,000,000 12,000,000 15,000,000 
      total interest income
    		1,796,000,000 1,784,000,000 1,725,000,000 1,802,000,000 1,820,000,000 1,762,000,000 1,724,000,000 1,751,000,000 1,766,000,000 1,739,000,000 1,641,000,000 1,552,000,000 1,343,000,000 1,155,000,000 1,052,000,000 1,056,000,000 1,006,000,000 1,006,000,000 1,013,000,000 1,061,000,000 1,059,000,000 1,063,000,000 1,079,000,000    
      interest expense on:
    		                          
      deposits
    		456,000,000 447,000,000 442,000,000 467,000,000 507,000,000 502,000,000 495,000,000 449,000,000 367,000,000 260,000,000 179,000,000 114,000,000 50,000,000 20,000,000 13,000,000 13,000,000 15,000,000 17,000,000 19,000,000 24,000,000 32,000,000 40,000,000 84,000,000 98,000,000 116,000,000 125,000,000 
      short-term borrowings
    		8,000,000 1,000,000 4,000,000 16,000,000 10,000,000 13,000,000 1,000,000 10,000,000 39,000,000 42,000,000 5,000,000           2,000,000 8,000,000 12,000,000 14,000,000 14,000,000 
      long-term borrowings
    		75,000,000 77,000,000 85,000,000 89,000,000 85,000,000 61,000,000 44,000,000 61,000,000 69,000,000 56,000,000 40,000,000 37,000,000 31,000,000 27,000,000 24,000,000 24,000,000 26,000,000 26,000,000 27,000,000 31,000,000 39,000,000 49,000,000 59,000,000 70,000,000 83,000,000 96,000,000 
      total interest expense
    		539,000,000 525,000,000 531,000,000 572,000,000 602,000,000 576,000,000 540,000,000 520,000,000 475,000,000 358,000,000 224,000,000 151,000,000 81,000,000 47,000,000 37,000,000 37,000,000 41,000,000 43,000,000 46,000,000 55,000,000 71,000,000 91,000,000 151,000,000 180,000,000 213,000,000 235,000,000 
      net interest income
    		1,257,000,000 1,259,000,000 1,194,000,000 1,230,000,000 1,218,000,000 1,186,000,000 1,184,000,000 1,231,000,000 1,291,000,000 1,381,000,000 1,417,000,000 1,401,000,000 1,262,000,000 1,108,000,000 1,015,000,000 1,019,000,000 965,000,000 963,000,000 967,000,000 1,006,000,000 988,000,000 972,000,000 928,000,000    
      benefit from credit losses
    		105,000,000 126,000,000 124,000,000 120,000,000 113,000,000 102,000,000 152,000,000 155,000,000 145,000,000 118,000,000 135,000,000 112,000,000 135,000,000 60,000,000 -36,000,000 110,000,000 -155,000,000 -337,000,000 -142,000,000 -38,000,000 113,000,000 882,000,000 373,000,000    
      net interest income after benefit from credit losses
    		1,152,000,000 1,133,000,000 1,070,000,000 1,110,000,000 1,105,000,000 1,084,000,000 1,032,000,000 1,076,000,000 1,146,000,000 1,263,000,000 1,282,000,000 1,289,000,000 1,127,000,000 1,048,000,000 1,051,000,000 909,000,000 1,120,000,000 1,300,000,000 1,109,000,000 1,044,000,000 875,000,000 90,000,000 555,000,000    
      non-interest income:
    		                          
      service charges on deposit accounts
    		160,000,000 151,000,000 161,000,000 155,000,000 158,000,000 151,000,000 148,000,000 143,000,000 142,000,000 152,000,000 155,000,000 152,000,000 156,000,000 165,000,000 168,000,000 166,000,000 162,000,000 163,000,000 157,000,000 160,000,000 152,000,000 131,000,000 178,000,000 187,000,000 186,000,000 181,000,000 
      card and atm fees
    		122,000,000 125,000,000 117,000,000 113,000,000 118,000,000 120,000,000 116,000,000 127,000,000 126,000,000 130,000,000 121,000,000 130,000,000 126,000,000 133,000,000 124,000,000 127,000,000 129,000,000 128,000,000 115,000,000 117,000,000 115,000,000 101,000,000 105,000,000 112,000,000 114,000,000 120,000,000 
      investment management and trust fee income
    		91,000,000 90,000,000 86,000,000 89,000,000 85,000,000 83,000,000 81,000,000 81,000,000 79,000,000 77,000,000 76,000,000 76,000,000 74,000,000 72,000,000 75,000,000 74,000,000 69,000,000 69,000,000 66,000,000 67,000,000 62,000,000 62,000,000 62,000,000 64,000,000 63,000,000 59,000,000 
      capital markets income
    		104,000,000 83,000,000 80,000,000 97,000,000 92,000,000 68,000,000 91,000,000 48,000,000 64,000,000 68,000,000 42,000,000 61,000,000 93,000,000 112,000,000 73,000,000 83,000,000 87,000,000 61,000,000 100,000,000 110,000,000 61,000,000 95,000,000 9,000,000 61,000,000 36,000,000 39,000,000 
      mortgage income
    		38,000,000 48,000,000 40,000,000 35,000,000 36,000,000 34,000,000 41,000,000 31,000,000 28,000,000 26,000,000 24,000,000 24,000,000 37,000,000 47,000,000 48,000,000 49,000,000 50,000,000 53,000,000 90,000,000 75,000,000 108,000,000 82,000,000 68,000,000 49,000,000 56,000,000 31,000,000 
      securities gains
    		-27,000,000 -1,000,000 -25,000,000 -30,000,000 -78,000,000 -50,000,000 -50,000,000 -2,000,000 -1,000,000  -2,000,000  -1,000,000    1,000,000 1,000,000 1,000,000  3,000,000 1,000,000  -2,000,000  -19,000,000 
      other
    		171,000,000 150,000,000 131,000,000 126,000,000 161,000,000 139,000,000 136,000,000 152,000,000 128,000,000 123,000,000 118,000,000 157,000,000 120,000,000 111,000,000 96,000,000 116,000,000 151,000,000 144,000,000 112,000,000 151,000,000 154,000,000 101,000,000 63,000,000 91,000,000 103,000,000 83,000,000 
      total non-interest income
    		659,000,000 646,000,000 590,000,000 585,000,000 572,000,000 545,000,000 563,000,000 580,000,000 566,000,000 576,000,000 534,000,000 600,000,000 605,000,000 640,000,000 584,000,000 615,000,000 649,000,000 619,000,000 641,000,000 680,000,000 655,000,000 573,000,000 485,000,000 562,000,000 558,000,000 494,000,000 
      non-interest expense:
    		                          
      salaries and employee benefits
    		671,000,000 658,000,000 625,000,000 617,000,000 645,000,000 609,000,000 658,000,000 608,000,000 589,000,000 603,000,000 616,000,000 604,000,000 593,000,000 575,000,000 546,000,000 575,000,000 552,000,000 532,000,000 546,000,000 581,000,000 525,000,000 527,000,000 467,000,000 488,000,000 481,000,000 469,000,000 
      equipment and software expense
    		106,000,000 104,000,000 99,000,000 104,000,000 101,000,000 100,000,000 101,000,000 102,000,000 107,000,000 101,000,000 102,000,000 102,000,000 98,000,000 97,000,000 95,000,000 96,000,000 90,000,000 89,000,000 90,000,000        
      net occupancy expense
    		72,000,000 72,000,000 70,000,000 67,000,000 69,000,000 68,000,000 74,000,000 71,000,000 72,000,000 73,000,000 73,000,000 74,000,000 76,000,000 75,000,000 75,000,000 76,000,000 75,000,000 75,000,000 77,000,000 78,000,000 80,000,000 76,000,000 79,000,000 79,000,000 80,000,000 80,000,000 
      total non-interest expense
    		1,103,000,000 1,073,000,000 1,039,000,000 1,038,000,000 1,069,000,000 1,004,000,000 1,131,000,000 1,185,000,000 1,093,000,000 1,111,000,000 1,027,000,000 1,017,000,000 1,170,000,000 948,000,000 933,000,000 983,000,000 938,000,000 898,000,000 928,000,000 987,000,000 896,000,000 924,000,000 836,000,000 897,000,000 871,000,000 861,000,000 
      income before income taxes
    		708,000,000 706,000,000 621,000,000 657,000,000 608,000,000 625,000,000 464,000,000 471,000,000 619,000,000 728,000,000 789,000,000 872,000,000 562,000,000 740,000,000 702,000,000 541,000,000 831,000,000 1,021,000,000 822,000,000 144,250,000 634,000,000 -261,000,000 204,000,000    
      income tax expense
    		139,000,000 143,000,000 131,000,000 123,000,000 118,000,000 124,000,000 96,000,000 80,000,000 129,000,000 147,000,000 177,000,000 187,000,000 133,000,000 157,000,000 154,000,000 103,000,000 180,000,000  180,000,000 121,000,000 104,000,000  42,000,000 98,000,000 107,000,000 93,000,000 
      net income
    		569,000,000 563,000,000 490,000,000 534,000,000 490,000,000 501,000,000 368,000,000 391,000,000 490,000,000 581,000,000 612,000,000 685,000,000 429,000,000 583,000,000 548,000,000 438,000,000 651,000,000 790,000,000 642,000,000 616,000,000 530,000,000 -214,000,000 162,000,000 389,000,000 409,000,000 390,000,000 
      yoy
    		16.12% 12.38% 33.15% 36.57% 0.00% -13.77% -39.87% -42.92% 14.22% -0.34% 11.68% 56.39% -34.10% -26.20% -14.64% -28.90% 22.83% -469.16% 296.30% 58.35% 29.58% -154.87%     
      qoq
    		1.07% 14.90% -8.24% 8.98% -2.20% 36.14% -5.88% -20.20% -15.66% -5.07% -10.66% 59.67% -26.42% 6.39% 25.11% -32.72% -17.59% 23.05% 4.22% 16.23% -347.66% -232.10% -58.35% -4.89% 4.87%  
      net income margin %
    		                          
      net income available to common shareholders
    		548,000,000 534,000,000 465,000,000 508,000,000 446,000,000 477,000,000 343,000,000 367,000,000 465,000,000 556,000,000 588,000,000 660,000,000 404,000,000 558,000,000 524,000,000 414,000,000 624,000,000 748,000,000 614,000,000 588,000,000 501,000,000 -237,000,000 139,000,000 366,000,000 385,000,000 374,000,000 
      weighted-average number of shares outstanding:
    		                          
      basic
    		890,000,000 898,000,000 906,000,000 916,000,000 914,000,000 917,000,000 921,000,000 936,000,000 939,000,000 939,000,000 935,000,000 935,000,000 934,000,000 934,000,000 938,000,000 956,000,000 955,000,000 958,000,000 961,000,000 959,000,000 960,000,000 960,000,000 957,000,000 995,000,000 988,000,000 1,010,000,000 
      diluted
    		894,000,000 900,000,000 910,000,000 918,000,000 918,000,000 918,000,000 923,000,000 938,000,000 940,000,000 939,000,000 942,000,000 942,000,000 940,000,000 940,000,000 947,000,000 963,000,000 962,000,000 965,000,000 968,000,000 962,000,000 962,000,000 960,000,000 961,000,000 999,000,000 991,000,000 1,012,000,000 
      earnings per common share:
    		                          
      basic
    		620,000 590,000 510,000 560,000 490,000 520,000 370,000 390,000 490,000 590,000 630,000 700,000 430,000 600,000 560,000 440,000 650,000 780,000 640,000 610,000 520,000 -250,000 150,000 380,000 390,000 370,000 
      diluted
    		610,000 590,000 510,000 550,000 490,000 520,000 370,000 400,000 490,000 590,000 620,000 700,000 430,000 590,000 550,000 430,000 650,000 770,000 630,000 610,000 520,000 -250,000 140,000 370,000 390,000 370,000 
      other comprehensive income, net of tax:
    		                          
      unrealized losses on securities transferred to held to maturity:
    		                          
      unrealized losses on securities transferred from available for sale during the period
    		 -55,000,000 -115,000,000  -325,000,000                      
      less: reclassification adjustments for amortization of unrealized losses on securities transferred to held to maturity
    		-9,000,000 -32,000,000 -15,000,000  -1,000,000 -1,000,000    -1,000,000    -1,000,000 -1,000,000  -2,000,000 -1,000,000 -2,000,000  -2,000,000 -1,000,000 -1,000,000    
      net change in unrealized losses on securities transferred to held to maturity, net of tax
    		9,000,000 -23,000,000 -100,000,000  -324,000,000 1,000,000    1,000,000    1,000,000 1,000,000  2,000,000 1,000,000 2,000,000  2,000,000 1,000,000 1,000,000    
      unrealized gains on securities available for sale:
    		                          
      unrealized losses on securities transferred to held to maturity during the period (net of zero and 111 tax effect, respectively
    		                          
      unrealized holding gains
    		215,000,000 127,000,000 345,000,000  870,000,000 -73,000,000 -237,000,000  -595,000,000 -256,000,000 333,000,000  -1,102,000,000 -694,000,000 -1,117,000,000  -75,000,000 71,000,000 -410,000,000  -2,000,000 185,000,000 446,000,000    
      less: reclassification adjustments for securities gains
    		-20,000,000 -1,000,000 -19,000,000  -58,000,000 -38,000,000 -37,000,000  -1,000,000  -2,000,000  -1,000,000     1,000,000 1,000,000   1,000,000     
      net change in unrealized gains on securities available for sale, net of tax
    		235,000,000 183,000,000 479,000,000  1,253,000,000 -35,000,000 -200,000,000  -594,000,000 -256,000,000 335,000,000  -1,101,000,000 -694,000,000 -1,117,000,000  -75,000,000 70,000,000 -411,000,000  -4,000,000 184,000,000 446,000,000    
      unrealized gains on derivative instruments designated as cash flow hedges:
    		                          
      less: reclassification adjustments for gains
    		-49,000,000 -45,000,000 -50,000,000  -82,000,000 -86,000,000 -87,000,000  -61,000,000 -24,000,000 -11,000,000   58,000,000 82,000,000  81,000,000 78,000,000 76,000,000  70,000,000 45,000,000 7,000,000    
      net change in unrealized gains on derivative instruments, net of tax
    		58,000,000 151,000,000 253,000,000  436,000,000 -11,000,000 -216,000,000  -213,000,000 -346,000,000 159,000,000  -471,000,000 -167,000,000 -393,000,000  -63,000,000 -22,000,000 -324,000,000  -68,000,000 108,000,000 959,000,000    
      defined benefit pension plans and other post employment benefits:
    		                          
      net actuarial gains
    		                          
      less: reclassification adjustments for amortization of actuarial loss and settlements realized in net income
    		-5,000,000 -5,000,000 -4,000,000  -6,000,000 -4,000,000 -4,000,000  -11,000,000 -5,000,000 -5,000,000  -7,000,000 -7,000,000 -6,000,000  -17,000,000 -10,000,000 -10,000,000   -9,000,000 -8,000,000    
      net change from defined benefit pension plans and other post employment benefits, net of tax
    		5,000,000 5,000,000 4,000,000  6,000,000 4,000,000 4,000,000  11,000,000 5,000,000 5,000,000  7,000,000 7,000,000 6,000,000  17,000,000 10,000,000 10,000,000  9,000,000 9,000,000 8,000,000    
      other comprehensive income, net of tax
    		307,000,000 316,000,000 636,000,000  1,371,000,000 -41,000,000 -412,000,000  -796,000,000 -596,000,000 499,000,000  -1,565,000,000 -853,000,000 -1,503,000,000  -119,000,000 59,000,000 -723,000,000  -61,000,000 302,000,000 1,414,000,000    
      comprehensive income
    		876,000,000 879,000,000 1,126,000,000  1,861,000,000 460,000,000 -44,000,000  -306,000,000 -15,000,000 1,111,000,000  -1,136,000,000 -270,000,000 -955,000,000  532,000,000 849,000,000 -81,000,000  469,000,000 88,000,000 1,576,000,000    
      unrealized losses on securities transferred to held to maturity during the period
    		170,000,000 170,000,000   325,000,000                      
      unrealized losses on securities transferred to held to maturity during the period (net of 19 and zero tax effect, respectively
    		 55,000,000                         
      unrealized losses on securities transferred to held to maturity during the period (net of 38 and zero tax effect, respectively
    		  115,000,000                        
      unrealized losses on securities transferred to held to maturity during the period (net of 111 and zero tax effect, respectively
    		    325,000,000                      
      income tax benefit
    		                 231,000,000    -47,000,000     
      furniture and equipment expense
    		                   90,000,000 89,000,000 86,000,000 83,000,000 82,000,000 83,000,000 84,000,000 
      less: reclassification adjustments for securities gains realized in net income
    		                    2,000,000      
      unrealized holding gains on derivatives arising during the period
    		                    2,000,000      
      less: reclassification adjustments for amortization of actuarial losses and settlements realized in net income
    		                    -9,000,000      
      unrealized holding gains arising during the period
    		                    629,000,000      
      interest income, including other financing income on:
    		                          
      debt securities - taxable
    		                       155,000,000 160,000,000 163,000,000 
      operating lease assets
    		                       12,000,000 13,000,000 14,000,000 
      total interest income, including other financing income
    		                       1,108,000,000 1,160,000,000 1,188,000,000 
      depreciation expense on operating lease assets
    		                       10,000,000 10,000,000 11,000,000 
      total interest expense and depreciation expense on operating lease assets
    		                       190,000,000 223,000,000 246,000,000 
      net interest income and other financing income
    		                       918,000,000 937,000,000 942,000,000 
      benefit from loan losses
    		                       96,000,000 108,000,000 92,000,000 
      net interest income and other financing income after benefit from loan losses
    		                       822,000,000 829,000,000 850,000,000 
      income from continuing operations before income taxes
    		                       487,000,000 516,000,000 483,000,000 
      income from continuing operations
    		                       389,000,000 409,000,000 390,000,000 
      discontinued operations:
    		                          
      income from discontinued operations before income taxes
    		                          
      income from discontinued operations, net of tax
    		                          
      net income from continuing operations available to common shareholders
    		                       366,000,000 385,000,000 374,000,000 
      earnings per common share from continuing operations:
    		                          
      basic
    		620,000 590,000 510,000 560,000 490,000 520,000 370,000 390,000 490,000 590,000 630,000 700,000 430,000 600,000 560,000 440,000 650,000 780,000 640,000 610,000 520,000 -250,000 150,000 380,000 390,000 370,000 
      diluted
    		610,000 590,000 510,000 550,000 490,000 520,000 370,000 400,000 490,000 590,000 620,000 700,000 430,000 590,000 550,000 430,000 650,000 770,000 630,000 610,000 520,000 -250,000 140,000 370,000 390,000 370,000 
      earnings per common share:
    		                          
      
    		                          
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.