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Investor Presentaiton

Non-GAAP measures - ROI (cont.) The calculation of ROA and ROI, along with a reconciliation of ROI to the calculation of ROA, is as follows: (Dollars in millions) Numerator Consolidated net income Denominator Average total assets' Return on assets (ROA) CALCULATION OF RETURN ON ASSETS Jul 31, Oct 31, Trailing Twelve Months Ending Jan 31, Apr 30, Jul 31, 2022 2022 2023 2023 2023 $ 14,015 $ 9,116 $ 11,292 $ 11,085 $ 13,991 $ 242,876 $ 246,254 $ 244,029 $ 245,598 $ 5.8 % 3.7 % 4.6% 4.5 % 251,160 5.6 % Jul 31, Certain Balance Sheet Data 2021 Oct 31, 2021 Jan 31, 2022 April 30, 2022 Jul 31, 2022 Oct 31, 2022 Jan 31, 2023 April 30, Jul 31, 2023 2023 Total assets $ Accumulated depreciation and amortization 98,346 Accounts payable 49,601 Accrued liabilities 23,915 238,552 $ 244,851 100,168 57,156 24,474 $ 244,860 $ 246,142 $ 247,199 $ 247,656 $ 243,197 $ 245,053 $ 255,121 102,211 104,295 105,963 55,261 26,060 52,926 54,191 107,628 57,263 110,286 113,164 115,878 53,742 54,268 56,576 21,061 23,843 27,443 31,126 27,527 29,239 1The average is based on the addition of the account balance at the end of the current period to the account balance at the end of the prior period and dividing by 2
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