Investor Presentaiton

Historical Bank-Level Income Statement ($Millions) For the Year Ended December 31, Annualized 2015 2016 2017 2018 2019 Q1-20 Interest Income 520 696 843 1,030 1,222 1,226 Interest Expense 26 36 49 104 170 140 Net Interest Income 494 660 793 927 1,052 1,086 Non-Interest Income 29 41 41 53 51 67 Net Revenue 523 700 835 979 1,103 1,153 Salaries and Employee Benefits 149 189 214 252 278 287 Other 102 130 141 162 206 172 Total Non-Interest Expense 251 318 355 413 484 460 Provision for Credit Losses 4 11 19 23 19 205 Gains (Losses) on Securities¹ 1 2 (9) 7 (21) Pre-Tax Income 270 371 462 533 608 468 Income Tax Net Income 70 105 128 83 106 84 200 265 334 451 501 383 WA 1) Includes realized gains (losses) on held-to-maturity and available-for-sale securities and unrealized holding gains (losses) on equity securities not held for trading Components may not sum to totals due to rounding differences Source: Bank regulatory filings 29 22

View entire presentation