Investor Presentaiton
Summary Financial Performance
($in millions; except per share amounts)
Q3'23
Q3'22
YOY%
Inc/(Dec)
Total Revenues Net of Interest Expense
$15,381
$13,556
13%
FX-Adjusted*
$13,652
13%
Pretax Pre-Provision Income**
$4,333
$3,237
34%
Provision Expense
$1,233
$778
58%
Net Income
$2,451
$1,879
30%
Diluted EPS+
$3.30
$2.47
34%
Average Diluted Shares Outstanding
733
749
(2%)
* Total Revenues Net of Interest Expense adjusted for FX is a non-GAAP measure. FX-adjusted information assumes a constant exchange rate between the periods being compared
for purposes of currency translation into U.S. dollars (i.e., assumes Q3'23 foreign exchange rates apply to Q3'22 results). ** Pretax pre-provision income is a non-GAAP measure. See
Annex 1 for a reconciliation to Pretax income on a GAAP basis. +Attributable to common shareholders. Represents net income less earnings allocated to participating share awards
and dividends on preferred shares.
AM
EX
2View entire presentation