Q2 2026 Earnings

Eligible Unsecured Long-Term Debt to Risk-Weighted Assets

10.6

June 30, 2026 ($ in millions) | TLAC | Regulatory Minimum (1) | Eligible Unsecured Long-term Debt | Regulatory Minimum Total eligible amount | $ | 306,119 | 142,308 Percentage of RWAs (2) | 22.81 | % | 21.50 | 10.60 | 7.50 Percentage of total leverage exposure | 11.58 | 8.00 | 5.39 | 3.00

Eligible Unsecured Long-Term Debt to Total Leverage Exposure

5.39

June 30, 2026 ($ in millions) | TLAC | Regulatory Minimum (1) | Eligible Unsecured Long-term Debt | Regulatory Minimum Total eligible amount | $ | 306,119 | 142,308 Percentage of RWAs (2) | 22.81 | % | 21.50 | 10.60 | 7.50 Percentage of total leverage exposure | 11.58 | 8.00 | 5.39 | 3.00

Supplementary Leverage Ratio

5.78

($ in millions) | Quarter ended June 30, 2026 Tier 1 capital | (A) | $ | 152,737 Total consolidated assets | 2,282,201 Adjustments: Derivatives (1) | 89,997 Repo-style transactions (2) | 13,450 Credit equivalent amounts of other off-balance sheet exposures | 338,757 Other (3) | (81,943) Total adjustments | 360,261 Total leverage exposure | (B) | $ | 2,642,462 Supplementary leverage ratio | (A)/(B) | 5.78 | % Total adjusted average assets (4) | (C) | $ | 2,199,518 Tier 1 leverage ratio | (A)/(C) | 6.94 | %

Tier 1 Capital Ratio — Advanced Approach

13.4

Standardized Approach | Advanced Approach ($ in millions) | RequiredCapitalRatios (1) | Jun 30,2026 | Dec 31,2025 | RequiredCapitalRatios (1) | Jun 30,2026 | Dec 31,2025 Common Equity Tier 1 | (A) | $ | 137,698 | 137,346 | 137,698 | 137,346 Tier 1 capital | (B) | 152,737 | 153,567 | 152,737 | 153,567 Total capital | (C) | 184,202 | 184,682 | 174,208 | 174,617 Risk-weighted assets | (D) | 1,342,325 | 1,294,609 | 1,140,242 | 1,112,533 Common Equity Tier 1 capital ratio | (A)/(D) | 8.50 | % | 10.26 | * | 10.61 | 8.50 | 12.08 | 12.35 Tier 1 capital ratio | (B)/(D) | 10.00 | 11.38 | * | 11.86 | 10.00 | 13.40 | 13.80 Total capital ratio | (C)/(D) | 12.00 | 13.72 | * | 14.27 | 12.00 | 15.28 | 15.70

Tier 1 Capital Ratio — Standardized Approach

11.38

Standardized Approach | Advanced Approach ($ in millions) | RequiredCapitalRatios (1) | Jun 30,2026 | Dec 31,2025 | RequiredCapitalRatios (1) | Jun 30,2026 | Dec 31,2025 Common Equity Tier 1 | (A) | $ | 137,698 | 137,346 | 137,698 | 137,346 Tier 1 capital | (B) | 152,737 | 153,567 | 152,737 | 153,567 Total capital | (C) | 184,202 | 184,682 | 174,208 | 174,617 Risk-weighted assets | (D) | 1,342,325 | 1,294,609 | 1,140,242 | 1,112,533 Common Equity Tier 1 capital ratio | (A)/(D) | 8.50 | % | 10.26 | * | 10.61 | 8.50 | 12.08 | 12.35 Tier 1 capital ratio | (B)/(D) | 10.00 | 11.38 | * | 11.86 | 10.00 | 13.40 | 13.80 Total capital ratio | (C)/(D) | 12.00 | 13.72 | * | 14.27 | 12.00 | 15.28 | 15.70

Tier 1 Leverage Ratio

6.94

($ in millions) | Quarter ended June 30, 2026 Tier 1 capital | (A) | $ | 152,737 Total consolidated assets | 2,282,201 Adjustments: Derivatives (1) | 89,997 Repo-style transactions (2) | 13,450 Credit equivalent amounts of other off-balance sheet exposures | 338,757 Other (3) | (81,943) Total adjustments | 360,261 Total leverage exposure | (B) | $ | 2,642,462 Supplementary leverage ratio | (A)/(B) | 5.78 | % Total adjusted average assets (4) | (C) | $ | 2,199,518 Tier 1 leverage ratio | (A)/(C) | 6.94 | %

Total Capital Ratio — Advanced Approach

15.28

Standardized Approach | Advanced Approach ($ in millions) | RequiredCapitalRatios (1) | Jun 30,2026 | Dec 31,2025 | RequiredCapitalRatios (1) | Jun 30,2026 | Dec 31,2025 Common Equity Tier 1 | (A) | $ | 137,698 | 137,346 | 137,698 | 137,346 Tier 1 capital | (B) | 152,737 | 153,567 | 152,737 | 153,567 Total capital | (C) | 184,202 | 184,682 | 174,208 | 174,617 Risk-weighted assets | (D) | 1,342,325 | 1,294,609 | 1,140,242 | 1,112,533 Common Equity Tier 1 capital ratio | (A)/(D) | 8.50 | % | 10.26 | * | 10.61 | 8.50 | 12.08 | 12.35 Tier 1 capital ratio | (B)/(D) | 10.00 | 11.38 | * | 11.86 | 10.00 | 13.40 | 13.80 Total capital ratio | (C)/(D) | 12.00 | 13.72 | * | 14.27 | 12.00 | 15.28 | 15.70

Total Capital Ratio — Standardized Approach

13.72

Standardized Approach | Advanced Approach ($ in millions) | RequiredCapitalRatios (1) | Jun 30,2026 | Dec 31,2025 | RequiredCapitalRatios (1) | Jun 30,2026 | Dec 31,2025 Common Equity Tier 1 | (A) | $ | 137,698 | 137,346 | 137,698 | 137,346 Tier 1 capital | (B) | 152,737 | 153,567 | 152,737 | 153,567 Total capital | (C) | 184,202 | 184,682 | 174,208 | 174,617 Risk-weighted assets | (D) | 1,342,325 | 1,294,609 | 1,140,242 | 1,112,533 Common Equity Tier 1 capital ratio | (A)/(D) | 8.50 | % | 10.26 | * | 10.61 | 8.50 | 12.08 | 12.35 Tier 1 capital ratio | (B)/(D) | 10.00 | 11.38 | * | 11.86 | 10.00 | 13.40 | 13.80 Total capital ratio | (C)/(D) | 12.00 | 13.72 | * | 14.27 | 12.00 | 15.28 | 15.70

Total Loss Absorbing Capacity Ratio

22.81

June 30, 2026 ($ in millions) | TLAC | Regulatory Minimum (1) | Eligible Unsecured Long-term Debt | Regulatory Minimum Total eligible amount | $ | 306,119 | 142,308 Percentage of RWAs (2) | 22.81 | % | 21.50 | 10.60 | 7.50 Percentage of total leverage exposure | 11.58 | 8.00 | 5.39 | 3.00

Total Loss Absorbing Capacity to Total Leverage Exposure

11.58

June 30, 2026 ($ in millions) | TLAC | Regulatory Minimum (1) | Eligible Unsecured Long-term Debt | Regulatory Minimum Total eligible amount | $ | 306,119 | 142,308 Percentage of RWAs (2) | 22.81 | % | 21.50 | 10.60 | 7.50 Percentage of total leverage exposure | 11.58 | 8.00 | 5.39 | 3.00

Company-Wide Advisory Assets

1.2K

Selected Metrics Return on allocated capital | 32.4 | % | 25.0 | 30.4 | % | 23.0 Efficiency ratio | 81 | 83 | 83 | 85 Client assets ($ in billions, period-end): Advisory assets | $ | 1,225 | 1,042 | 183 | 18 Other brokerage assets and deposits | 1,466 | 1,304 | 162 | 12 Total Company-wide client assets (1) | $ | 2,691 | 2,346 | 345 | 15

Company-Wide Other Brokerage Assets and Deposits

1.5K

Client assets ($ in billions, period-end): Advisory assets | $ | 1,225 | 1,042 | 183 | 18 Other brokerage assets and deposits | 1,466 | 1,304 | 162 | 12 Total Company-wide client assets (1) | $ | 2,691 | 2,346 | 345 | 15

Consumer Advisory and Brokerage Client Assets

282

Consumer, Small and Business Banking: Deposit spread (4) | 2.60 | % | 2.53 | 2.59 | % | 2.49 Debit card purchase volume ($ in billions) (5) | $ | 144.8 | 133.6 | 11.2 | 8 | $ | 279.1 | 259.6 | 19.5 | 8 Debit card purchase transactions (# in millions) (5) | 2,780 | 2,655 | 5 | 5,362 | 5,141 | 4 Client assets in advisory and brokerage accounts ($ in billions, period-end) | 282 | 249 | 33 | 13

Total Company-Wide Client Assets

2.7K

Client assets ($ in billions, period-end): Advisory assets | $ | 1,225 | 1,042 | 183 | 18 Other brokerage assets and deposits | 1,466 | 1,304 | 162 | 12 Total Company-wide client assets (1) | $ | 2,691 | 2,346 | 345 | 15 Total WIM client assets | $ | 2,409 | 2,097 | 312 | 15

Total WIM Client Assets

2.4K

Client assets ($ in billions, period-end): Advisory assets | $ | 1,225 | 1,042 | 183 | 18 Other brokerage assets and deposits | 1,466 | 1,304 | 162 | 12 Total Company-wide client assets (1) | $ | 2,691 | 2,346 | 345 | 15 Total WIM client assets | $ | 2,409 | 2,097 | 312 | 15

Company-Wide Advisory Net Flows

4.6

Quarter ended June 30, | Six months ended June 30, (in billions) | 2026 | 2025 | 2026 | 2025 Balance, beginning of period | $ | 1,119.3 | 980.0 | $ | 1,127.1 | 997.7 Inflows (outflows), net (1) | 4.6 | (2.4) | 12.4 | (8.1) Market impact (2) | 101.0 | 64.1 | 85.4 | 52.1 Balance, end of period (Company-wide) | 1,224.9 | 1,041.7 | $ | 1,224.9 | 1,041.7

Auto Loans 30+ Days Delinquency Rate

1.31

Auto: Auto loan originations ($ in billions) | $ | 9.7 | 6.9 | 2.8 | 41 | $ | 19.4 | 11.5 | 7.9 | 69 Auto loans 30+ days delinquency rate (period-end) (8) | 1.31 | % | 1.72

Auto Net Loan Charge-Off Ratio

0.39

Quarter ended June 30, | Six months ended June 30, 2026 | 2025 | 2026 | 2025 ($ in millions) | Net loancharge-offs | % ofaverageloans (1) | Net loancharge-offs | % ofaverageloans (1) | Net loancharge-offs | % ofaverageloans (1) | Net loancharge-offs | % ofaverageloans (1) Commercial and industrial | $ | 131 | 0.11 | % | $ | 179 | 0.18 | % | $ | 462 | 0.20 | % | $ | 287 | 0.15 | % Commercial real estate | 16 | 0.05 | 61 | 0.18 | 35 | 0.05 | 156 | 0.23 Lease financing | 9 | 0.23 | 7 | 0.17 | 19 | 0.25 | 15 | 0.19 Total commercial | 156 | 0.10 | 247 | 0.18 | 516 | 0.17 | 458 | 0.17 Residential mortgage | (14) | (0.02) | (3) | — | (28) | (0.02) | (18) | (0.01) Credit card | 600 | 4.18 | 622 | 4.54 | 1,205 | 4.20 | 1,272 | 4.65 Auto | 54 | 0.39 | 30 | 0.29 | 117 | 0.44 | 94 | 0.45 Other consumer | 80 | 0.88 | 101 | 1.35 | 166 | 0.95 | 200 | 1.37 Total consumer | 720 | 0.74 | 750 | 0.81 | 1,460 | 0.76 | 1,548 | 0.83 Total | $ | 876 | 0.34 | % | $ | 997 | 0.44 | % | $ | 1,976 | 0.39 | % | $ | 2,006 | 0.44 | %

Credit Card Loans 30+ Days Delinquency Rate

2.58

Credit Card (5): Credit card purchase volume ($ in billions) | $ | 44.5 | 39.9 | 4.6 | 12 | $ | 84.5 | 76.6 | 7.9 | 10 Credit card new accounts (# in thousands) | 662 | 452 | 46 | 1,293 | 848 | 52 Credit card loans 30+ days delinquency rate (period-end) (8) | 2.58 | % | 2.63 Credit card loans 90+ days delinquency rate (period-end) (8) | 1.34 | 1.32

Credit Card Loans 90+ Days Delinquency Rate

1.34

Credit Card (5): Credit card purchase volume ($ in billions) | $ | 44.5 | 39.9 | 4.6 | 12 | $ | 84.5 | 76.6 | 7.9 | 10 Credit card new accounts (# in thousands) | 662 | 452 | 46 | 1,293 | 848 | 52 Credit card loans 30+ days delinquency rate (period-end) (8) | 2.58 | % | 2.63 Credit card loans 90+ days delinquency rate (period-end) (8) | 1.34 | 1.32

Credit Card Net Loan Charge-Off Ratio

4.18

Quarter ended June 30, | Six months ended June 30, 2026 | 2025 | 2026 | 2025 ($ in millions) | Net loancharge-offs | % ofaverageloans (1) | Net loancharge-offs | % ofaverageloans (1) | Net loancharge-offs | % ofaverageloans (1) | Net loancharge-offs | % ofaverageloans (1) Commercial and industrial | $ | 131 | 0.11 | % | $ | 179 | 0.18 | % | $ | 462 | 0.20 | % | $ | 287 | 0.15 | % Commercial real estate | 16 | 0.05 | 61 | 0.18 | 35 | 0.05 | 156 | 0.23 Lease financing | 9 | 0.23 | 7 | 0.17 | 19 | 0.25 | 15 | 0.19 Total commercial | 156 | 0.10 | 247 | 0.18 | 516 | 0.17 | 458 | 0.17 Residential mortgage | (14) | (0.02) | (3) | — | (28) | (0.02) | (18) | (0.01) Credit card | 600 | 4.18 | 622 | 4.54 | 1,205 | 4.20 | 1,272 | 4.65 Auto | 54 | 0.39 | 30 | 0.29 | 117 | 0.44 | 94 | 0.45 Other consumer | 80 | 0.88 | 101 | 1.35 | 166 | 0.95 | 200 | 1.37 Total consumer | 720 | 0.74 | 750 | 0.81 | 1,460 | 0.76 | 1,548 | 0.83 Total | $ | 876 | 0.34 | % | $ | 997 | 0.44 | % | $ | 1,976 | 0.39 | % | $ | 2,006 | 0.44 | %

Home Lending Loans 30+ Days Delinquency Rate

0.32

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Home Lending: Mortgage loan originations ($ in billions) | $ | 9.0 | 7.4 | 1.6 | 22 | $ | 15.3 | 11.8 | 3.5 | 30 % of originations held for sale (HFS) | 20.6 | % | 34.0 | 22.2 | % | 35.6 Third-party mortgage loans serviced ($ in billions, period-end) (6) | $ | 361.4 | 455.5 | (94.1) | (21) Home lending loans 30+ days delinquency rate (period-end) (7)(8) | 0.32 | 0.30

Net Loan Charge-Off Ratio

0.34

Components: Allowance for loan losses | $ | 13,905 | 13,961 | $ | 13,905 | 13,961 Allowance for unfunded credit commitments | 502 | 607 | 502 | 607 Allowance for credit losses for loans | $ | 14,407 | 14,568 | $ | 14,407 | 14,568 Net loan charge-offs (annualized) as a percentage of average total loans | 0.34 | % | 0.44 | 0.39 | % | 0.44 Allowance for loan losses as a percentage of total loans | 1.35 | 1.51 | 1.35 | 1.51 Allowance for credit losses for loans as a percentage of total loans | 1.40 | 1.58 | 1.40 | 1.58

Nonaccrual Loans as a Percentage of Total Loans

0.74

($ in millions) | Jun 30, 2026 | Dec 31, 2025 Nonaccrual loans Commercial loans | $ | 4,735 | 5,266 Consumer loans | 2,908 | 2,935 Total nonaccrual loans | $ | 7,643 | 8,201 Nonaccrual loans as a % of total loans | 0.74 | % | 0.83 Allowance for credit losses (ACL) for loans | $ | 14,407 | 14,337 ACL for loans as a % of total loans | 1.40 | % | 1.45

Nonperforming Assets as a Percentage of Total Loans

0.77

($ in millions) | Jun 30, 2026 | Dec 31, 2025 Nonaccrual loans: Commercial and industrial | $ | 1,248 | 1,312 Commercial real estate | 3,402 | 3,879 Lease financing | 85 | 75 Total commercial | 4,735 | 5,266 Residential mortgage (1) | 2,811 | 2,838 Auto | 72 | 70 Other consumer | 25 | 27 Total consumer | 2,908 | 2,935 Total nonaccrual loans | $ | 7,643 | 8,201 As a percentage of total loans | 0.74 | % | 0.83 Foreclosed assets: Government insured/guaranteed (2) | $ | 6 | 8 Commercial | 259 | 262 Consumer | 36 | 32 Total foreclosed assets | 301 | 302 Total nonperforming assets | $ | 7,944 | 8,503 As a percentage of total loans | 0.77 | % | 0.86

Allowance for Credit Losses for Loans as a Percentage of Total Loans

1.4

($ in millions) | Jun 30, 2026 | Dec 31, 2025 Nonaccrual loans Commercial loans | $ | 4,735 | 5,266 Consumer loans | 2,908 | 2,935 Total nonaccrual loans | $ | 7,643 | 8,201 Nonaccrual loans as a % of total loans | 0.74 | % | 0.83 Allowance for credit losses (ACL) for loans | $ | 14,407 | 14,337 ACL for loans as a % of total loans | 1.40 | % | 1.45

Digital Active Customers

38

Selected Metrics Consumer Banking and Lending: Return on allocated capital (1) | 27.1 | % | 16.4 | 25.1 | % | 15.6 Efficiency ratio (2) | 61 | 64 | 63 | 66 Retail bank branches (#, period-end) | 4,079 | 4,135 | (1) Digital active customers (# in millions, period-end) (3) | 38.0 | 36.6 | 4 Mobile active customers (# in millions, period-end) (3) | 33.7 | 32.1 | 5

Mobile Active Customers

33.7

Selected Metrics Consumer Banking and Lending: Return on allocated capital (1) | 27.1 | % | 16.4 | 25.1 | % | 15.6 Efficiency ratio (2) | 61 | 64 | 63 | 66 Retail bank branches (#, period-end) | 4,079 | 4,135 | (1) Digital active customers (# in millions, period-end) (3) | 38.0 | 36.6 | 4 Mobile active customers (# in millions, period-end) (3) | 33.7 | 32.1 | 5

Retail Bank Branches

4.1K

Selected Metrics Consumer Banking and Lending: Return on allocated capital (1) | 27.1 | % | 16.4 | 25.1 | % | 15.6 Efficiency ratio (2) | 61 | 64 | 63 | 66 Retail bank branches (#, period-end) | 4,079 | 4,135 | (1) Digital active customers (# in millions, period-end) (3) | 38.0 | 36.6 | 4 Mobile active customers (# in millions, period-end) (3) | 33.7 | 32.1 | 5

Average High-Quality Liquid Assets

414.2K

Average for quarter ended (in millions, except ratio) | Jun 30, 2026 | Mar 31, 2026 | Jun 30, 2025 HQLA (1): Eligible cash | $ | 155,729 | 146,454 | 131,453 Eligible securities (2) | 258,511 | 256,743 | 236,155 Total HQLA | 414,240 | 403,197 | 367,608 Projected net cash outflows (3) | 347,085 | 335,531 | 303,111 LCR | 119 | % | 120 | 121

Average Projected Net Cash Outflows

347.1K

Average for quarter ended (in millions, except ratio) | Jun 30, 2026 | Mar 31, 2026 | Jun 30, 2025 HQLA (1): Eligible cash | $ | 155,729 | 146,454 | 131,453 Eligible securities (2) | 258,511 | 256,743 | 236,155 Total HQLA | 414,240 | 403,197 | 367,608 Projected net cash outflows (3) | 347,085 | 335,531 | 303,111 LCR | 119 | % | 120 | 121

Liquidity Coverage Ratio

119

Average for quarter ended (in millions, except ratio) | Jun 30, 2026 | Mar 31, 2026 | Jun 30, 2025 HQLA (1): Eligible cash | $ | 155,729 | 146,454 | 131,453 Eligible securities (2) | 258,511 | 256,743 | 236,155 Total HQLA | 414,240 | 403,197 | 367,608 Projected net cash outflows (3) | 347,085 | 335,531 | 303,111 LCR | 119 | % | 120 | 121

Total Available Liquidity

979.7K

(in millions) | Jun 30, 2026 | Mar 31, 2026 | Jun 30, 2025 Primary sources of liquidity: Central bank deposits | $ | 156,460 | 135,952 | 155,384 High-quality liquid debt securities (1) | 387,251 | 406,849 | 331,076 Total | 543,711 | 542,801 | 486,460 Contingent sources of liquidity (2): Pledged loans and other | 435,968 | 411,001 | 351,602 Total available liquidity | $ | 979,679 | 953,802 | 838,062

Company Trading General VaR — Average

31

Quarter ended June 30, 2026 | March 31, 2026 | June 30, 2025 (in millions) | Average | Low | High | Average | Low | High | Average | Low | High Company Trading General VaR Risk Categories Credit | $ | 14 | 11 | 18 | 18 | 15 | 26 | 20 | 14 | 36 Interest rate | 14 | 7 | 22 | 8 | 6 | 12 | 3 | 2 | 7 Equity | 28 | 24 | 38 | 21 | 15 | 38 | 20 | 14 | 28 Commodity | 4 | 2 | 20 | 4 | 3 | 13 | 3 | 1 | 4 Foreign exchange | 1 | 1 | 3 | 1 | 1 | 2 | 5 | 3 | 7 Diversification benefit (1) | (30) | (23) | (21) Company Trading General VaR | $ | 31 | 29 | 30

Company Efficiency Ratio

60

Quarter ended | Jun 30, 2026 % Change from | Six months ended ($ in millions, except ratios and per share amounts) | Jun 30,2026 | Mar 31,2026 | Jun 30,2025 | Mar 31,2026 | Jun 30,2025 | Jun 30,2026 | Jun 30,2025 | %Change Performance Ratios Return on average assets (ROA) (5) | 1.15 | % | 0.98 | 1.14 | 1.07 | % | 1.09 Return on average equity (ROE) (6) | 15.0 | 12.2 | 12.8 | 13.6 | 12.2 Return on average tangible common equity (ROTCE) (4) | 17.7 | 14.5 | 15.2 | 16.1 | 14.4 Efficiency ratio (7) | 60 | 67 | 64 | 64 | 67 Net interest margin on a taxable-equivalent basis | 2.43 | 2.47 | 2.68 | 2.45 | 2.67

Net Interest Margin on a Taxable-Equivalent Basis

2.43

Performance Ratios Return on average assets (ROA) (5) | 1.15 | % | 0.98 | 1.14 | 1.07 | % | 1.09 Return on average equity (ROE) (6) | 15.0 | 12.2 | 12.8 | 13.6 | 12.2 Return on average tangible common equity (ROTCE) (4) | 17.7 | 14.5 | 15.2 | 16.1 | 14.4 Efficiency ratio (7) | 60 | 67 | 64 | 64 | 67 Net interest margin on a taxable-equivalent basis | 2.43 | 2.47 | 2.68 | 2.45 | 2.67 Selected Balance Sheet Data (average)

Consumer, Small and Business Banking Deposit Spread

2.6

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Consumer, Small and Business Banking: Deposit spread (4) | 2.60 | % | 2.53 | 2.59 | % | 2.49 Debit card purchase volume ($ in billions) (5) | $ | 144.8 | 133.6 | 11.2 | 8 | $ | 279.1 | 259.6 | 19.5 | 8 Debit card purchase transactions (# in millions) (5) | 2,780 | 2,655 | 5 | 5,362 | 5,141 | 4

Mortgage Originations Held for Sale

20.6

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Home Lending: Mortgage loan originations ($ in billions) | $ | 9.0 | 7.4 | 1.6 | 22 | $ | 15.3 | 11.8 | 3.5 | 30 % of originations held for sale (HFS) | 20.6 | % | 34.0 | 22.2 | % | 35.6

Auto Loan Originations

9.7

Auto: Auto loan originations ($ in billions) | $ | 9.7 | 6.9 | 2.8 | 41 | $ | 19.4 | 11.5 | 7.9 | 69 Auto loans 30+ days delinquency rate (period-end) (8) | 1.31 | % | 1.72

Mortgage Loan Originations

9

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Home Lending: Mortgage loan originations ($ in billions) | $ | 9.0 | 7.4 | 1.6 | 22 | $ | 15.3 | 11.8 | 3.5 | 30 % of originations held for sale (HFS) | 20.6 | % | 34.0 | 22.2 | % | 35.6

Credit Card Purchase Volume

44.5

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Home Lending: Mortgage loan originations ($ in billions) | $ | 9.0 | 7.4 | 1.6 | 22 | $ | 15.3 | 11.8 | 3.5 | 30 % of originations held for sale (HFS) | 20.6 | % | 34.0 | 22.2 | % | 35.6 Third-party mortgage loans serviced ($ in billions, period-end) (6) | $ | 361.4 | 455.5 | (94.1) | (21) Home lending loans 30+ days delinquency rate (period-end) (7)(8) | 0.32 | 0.30 Credit Card (5): Credit card purchase volume ($ in billions) | $ | 44.5 | 39.9 | 4.6 | 12 | $ | 84.5 | 76.6 | 7.9 | 10 Credit card new accounts (# in thousands) | 662 | 452 | 46 | 1,293 | 848 | 52

Debit Card Purchase Transactions

2.8K

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Consumer, Small and Business Banking: Deposit spread (4) | 2.60 | % | 2.53 | 2.59 | % | 2.49 Debit card purchase volume ($ in billions) (5) | $ | 144.8 | 133.6 | 11.2 | 8 | $ | 279.1 | 259.6 | 19.5 | 8 Debit card purchase transactions (# in millions) (5) | 2,780 | 2,655 | 5 | 5,362 | 5,141 | 4

Debit Card Purchase Volume

144.8

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Consumer, Small and Business Banking: Deposit spread (4) | 2.60 | % | 2.53 | 2.59 | % | 2.49 Debit card purchase volume ($ in billions) (5) | $ | 144.8 | 133.6 | 11.2 | 8 | $ | 279.1 | 259.6 | 19.5 | 8 Debit card purchase transactions (# in millions) (5) | 2,780 | 2,655 | 5 | 5,362 | 5,141 | 4

Return on Average Assets

1.15

Performance Ratios Return on average assets (ROA) (5) | 1.15 | % | 0.98 | 1.14 | 1.07 | % | 1.09 Return on average equity (ROE) (6) | 15.0 | 12.2 | 12.8 | 13.6 | 12.2 Return on average tangible common equity (ROTCE) (4) | 17.7 | 14.5 | 15.2 | 16.1 | 14.4 Efficiency ratio (7) | 60 | 67 | 64 | 64 | 67 Net interest margin on a taxable-equivalent basis | 2.43 | 2.47 | 2.68 | 2.45 | 2.67

Return on Average Equity

15

Performance Ratios Return on average assets (ROA) (5) | 1.15 | % | 0.98 | 1.14 | 1.07 | % | 1.09 Return on average equity (ROE) (6) | 15.0 | 12.2 | 12.8 | 13.6 | 12.2 Return on average tangible common equity (ROTCE) (4) | 17.7 | 14.5 | 15.2 | 16.1 | 14.4 Efficiency ratio (7) | 60 | 67 | 64 | 64 | 67 Net interest margin on a taxable-equivalent basis | 2.43 | 2.47 | 2.68 | 2.45 | 2.67

Return on Average Tangible Common Equity

17.7

Performance Ratios Return on average assets (ROA) (5) | 1.15 | % | 0.98 | 1.14 | 1.07 | % | 1.09 Return on average equity (ROE) (6) | 15.0 | 12.2 | 12.8 | 13.6 | 12.2 Return on average tangible common equity (ROTCE) (4) | 17.7 | 14.5 | 15.2 | 16.1 | 14.4 Efficiency ratio (7) | 60 | 67 | 64 | 64 | 67 Net interest margin on a taxable-equivalent basis | 2.43 | 2.47 | 2.68 | 2.45 | 2.67

Commercial Banking Efficiency Ratio

45

Quarter ended June 30, | Six months ended June 30, ($ in millions) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Selected Metrics Return on allocated capital | 17.2 | % | 15.8 | 16.1 | % | 13.6 Efficiency ratio | 45 | 52 | 48 | 54

Consumer Banking and Lending Efficiency Ratio

61

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Selected Metrics Consumer Banking and Lending: Return on allocated capital (1) | 27.1 | % | 16.4 | 25.1 | % | 15.6 Efficiency ratio (2) | 61 | 64 | 63 | 66 Retail bank branches (#, period-end) | 4,079 | 4,135 | (1)

Corporate and Investment Banking Efficiency Ratio

46

Quarter ended June 30, | Six months ended June 30, ($ in millions) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Selected Metrics Return on allocated capital | 19.2 | % | 14.9 | 17.1 | % | 15.9 Efficiency ratio | 46 | 48 | 48 | 49

Wealth and Investment Management Efficiency Ratio

81

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Selected Metrics Return on allocated capital | 32.4 | % | 25.0 | 30.4 | % | 23.0 Efficiency ratio | 81 | 83 | 83 | 85 Client assets ($ in billions, period-end):

Commercial Banking Return on Allocated Capital

17.2

Quarter ended June 30, | Six months ended June 30, ($ in millions) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Selected Metrics Return on allocated capital | 17.2 | % | 15.8 | 16.1 | % | 13.6 Efficiency ratio | 45 | 52 | 48 | 54

Consumer Banking and Lending Return on Allocated Capital

27.1

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Selected Metrics Consumer Banking and Lending: Return on allocated capital (1) | 27.1 | % | 16.4 | 25.1 | % | 15.6 Efficiency ratio (2) | 61 | 64 | 63 | 66

Corporate and Investment Banking Return on Allocated Capital

19.2

Quarter ended June 30, | Six months ended June 30, ($ in millions) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Selected Metrics Return on allocated capital | 19.2 | % | 14.9 | 17.1 | % | 15.9 Efficiency ratio | 46 | 48 | 48 | 49

Wealth and Investment Management Return on Allocated Capital

32.4

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Selected Metrics Return on allocated capital | 32.4 | % | 25.0 | 30.4 | % | 23.0 Efficiency ratio | 81 | 83 | 83 | 85

Third-Party Mortgage Loans Serviced

361.4

Quarter ended June 30, | Six months ended June 30, ($ in millions, unless otherwise noted) | 2026 | 2025 | $ Change | % Change | 2026 | 2025 | $ Change | % Change Home Lending: Mortgage loan originations ($ in billions) | $ | 9.0 | 7.4 | 1.6 | 22 | $ | 15.3 | 11.8 | 3.5 | 30 % of originations held for sale (HFS) | 20.6 | % | 34.0 | 22.2 | % | 35.6 Third-party mortgage loans serviced ($ in billions, period-end) (6) | $ | 361.4 | 455.5 | (94.1) | (21) Home lending loans 30+ days delinquency rate (period-end) (7)(8) | 0.32 | 0.30

Headcount

197.5K

Selected Balance Sheet Data (period-end) Available-for-sale and held-to-maturity debt securities | 448,899 | 426,953 | 406,362 | 5 | 10 Loans | 1,031,115 | 1,016,787 | 924,418 | 1 | 12 Allowance for credit losses for loans | 14,407 | 14,374 | 14,568 | — | (1) Assets | 2,282,201 | 2,205,752 | 1,981,269 | 3 | 15 Deposits | 1,501,405 | 1,454,939 | 1,340,703 | 3 | 12 Headcount (#) (period-end) | 197,466 | 200,999 | 212,804 | (2) | (7)