News Releases

Financial Results Highlights:

Third Quarter 2015 Compared with Third Quarter 2014:

- Net income of $1,192 million, up 6%; adjusted net income(1) of $1,230 million, up 6%

- EPS(2) of $1.80, up 8%; adjusted EPS(1,2) of $1.86, up 8%

- ROE of 13.6%, compared with 14.4%; adjusted ROE(1) of 14.0%, compared with 14.9%

- Provisions for credit losses of $160 million, compared with $130 million

- Basel III Common Equity Tier 1 Ratio of 10.4%

Year-to-Date 2015 Compared with Year-to-Date 2014:

- Net income of $3,191 million, down 2%; adjusted net income(1) of $3,417 million, up 2%

- EPS(2) of $4.75, down 2%; adjusted EPS(1,2) of $5.10, up 3%

- ROE of 12.3%, compared with 14.3%; adjusted ROE(1) of 13.2%, compared with 14.7%

- Provisions for credit losses of $484 million, compared with $391 million

Financial Results Highlights:

Second Quarter 2015 Compared with Second Quarter 2014:

- Net income of $1 billion, down 7%; adjusted net income(1) of $1,146 million, up 5%

- EPS(2) of $1.49, down 7%; adjusted EPS(1,2) of $1.71, up 5%

- ROE of 11.4%, compared with 14.3%; adjusted ROE(1) of 13.2%, compared with 14.6%

- Provisions for credit losses of $161 million, compared with $162 million

- Basel III Common Equity Tier 1 Ratio of 10.2%

- Dividend increased by $0.02 or 2% from the preceding quarter to $0.82

Year-to-Date 2015 Compared with Year-to-Date 2014:

- Net income of $1,999 million, down 6%; adjusted net income(1) of $2,187 million, unchanged

- EPS(2) of $2.95, down 7%; adjusted EPS(1,2) of $3.24, unchanged

- ROE of 11.6%, compared with 14.3%; adjusted ROE(1) of 12.8%, compared with 14.6%

- Provisions for credit losses of $324 million, compared with $261 million