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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 2
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