Dollars in millions, except per share data	Three Months Ended									Nine Months Ended
Summary Financial Data & Key Metrics	September 30, 2025			June 30, 2025			September 30, 2024			September 30, 2025			September 30, 2024
Results of Operations:
Net interest income	$	1,734		$	1,695		$	1,796		$	5,092		$	5,434
Provision for credit losses	191			115			117			460			276
Net interest income after provision for credit losses	1,543			1,580			1,679			4,632			5,158
Noninterest income	699			678			650			2,012			1,916
Noninterest expense	1,491			1,500			1,456			4,484			4,218
Income before income taxes	751			758			873			2,160			2,856
Income tax expense	183			183			234			534			779
Net income	568			575			639			1,626			2,077
Preferred stock dividends	14			14			15			43			46
Net income available to common stockholders	$	554		$	561		$	624		$	1,583		$	2,031
Adjusted net income available to common stockholders (1)	$	573		$	593		$	660		$	1,679		$	2,168
Pre-tax, pre-provision net revenue (PPNR) (1)	942			873			990			2,620			3,132
Adjusted PPNR (1)	973			929			1,041			2,767			3,314
Per Share Information:
Diluted earnings per common share (EPS)	$	43.08		$	42.36		$	43.42		$	119.70		$	140.26
Adjusted diluted EPS (1)	44.62			44.78			45.87			127.03			149.71
Book value per common share at period end	1,672.54			1,637.72			1,547.81
Tangible book value per common share (TBV) (1)at period end	1,628.64			1,594.38			1,504.75
Key Performance Metrics:
Return on average assets (ROA)	0.98		%	1.01		%	1.15		%	0.95		%	1.27		%
Adjusted ROA (1)	1.01			1.07			1.22			1.01			1.35
PPNR ROA (1)	1.62			1.54			1.79			1.54			1.91
Adjusted PPNR ROA (1)	1.67			1.64			1.88			1.62			2.03
Return on average common equity (ROE)	10.26			10.41			11.30			9.82			12.73
Adjusted ROE (1)	10.62			11.00			11.94			10.43			13.59
Return on average tangible common equity (ROTCE) (1)	10.53			10.69			11.63			10.09			13.12
Adjusted ROTCE (1)	10.91			11.30			12.29			10.71			14.00
Efficiency ratio	61.27			63.22			59.49			63.12			57.38
Adjusted efficiency ratio (1)	56.78			57.92			54.15			58.08			51.72
Net interest margin (NIM) (2)	3.26			3.26			3.53			3.26			3.62
NIM, excluding purchase accounting accretion (PAA) (1) (2)	3.15			3.14			3.33			3.13			3.35
Select Balance Sheet Items at Period End:
Total investment securities	$	45,124		$	43,346		$	38,663
Total loans and leases	144,758			141,269			138,695
Total operating lease equipment, net	9,446			9,466			9,186
Total deposits	163,190			159,935			151,574
Total borrowings	38,675			38,112			37,161
Loan to deposit ratio	88.71		%	88.33		%	91.50		%
Noninterest-bearing deposits to total deposits	26.20			25.56			25.99
Capital Ratios at Period End: (3)
Total risk-based capital ratio	14.05		%	14.25		%	15.36		%
Tier 1 risk-based capital ratio	12.15			12.63			13.78
Common equity Tier 1 ratio	11.65			12.12			13.24
Tier 1 leverage capital ratio	9.34			9.62			10.17
Asset Quality at Period End:
Nonaccrual loans to total loans and leases	0.97		%	0.93		%	0.90		%
Allowance for loan and lease losses (ALLL) to loans and leases	1.14			1.18			1.21
Net charge-off ratio for the period	0.65			0.33			0.42			0.47			0.37
(1) Denotes a non-GAAP measure. Refer to the non-GAAP reconciliation tables included at the end of this financial supplement for a reconciliation to the most directly comparable GAAP measure. “Adjusted” items exclude the impacts of Notable Items.
(2)Calculated net of average credit balances of factoring clients to appropriately reflect the interest-earning portion of factoring receivables.
(3) Capital ratios as of the current quarter-end are preliminary pending completion of quarterly regulatory filings.

1

Dollars in millions, except share and per share data	Three Months Ended						Nine Months Ended
Income Statement (unaudited)	September 30, 2025		June 30, 2025		September 30, 2024		September 30, 2025		September 30, 2024
Interest income
Interest and fees on loans	$	2,300	$	2,270	$	2,430	$	6,806	$	7,206
Interest on investment securities	433		419		358		1,266		970
Interest on deposits at banks	265		256		350		766		1,176
Total interest income	2,998		2,945		3,138		8,838		9,352
Interest expense
Deposits	911		894		1,004		2,698		2,907
Borrowings	353		356		338		1,048		1,011
Total interest expense	1,264		1,250		1,342		3,746		3,918
Net interest income	1,734		1,695		1,796		5,092		5,434
Provision for credit losses	191		115		117		460		276
Net interest income after provision for credit losses	1,543		1,580		1,679		4,632		5,158
Noninterest income
Rental income on operating lease equipment	273		272		262		815		776
Lending-related fees	67		69		67		202		189
Deposit fees and service charges	61		59		57		178		172
Client investment fees	58		52		55		163		159
Wealth management services	57		55		54		168		157
International fees	34		33		29		99		86
Factoring commissions	18		18		19		53		55
Cardholder services, net	39		41		42		121		122
Merchant services, net	12		13		12		39		36
Insurance commissions	13		14		14		41		42
Realized gain on sale of investment securities, net	—		—		4		—		4
Fair value adjustment on marketable equity securities, net	13		2		9		10		3
Gain on sale of leasing equipment, net	3		8		5		16		19
Loss on extinguishment of debt	—		—		—		—		(2)
Other noninterest income	51		42		21		107		98
Total noninterest income	699		678		650		2,012		1,916
Noninterest expense
Depreciation on operating lease equipment	98		100		99		296		293
Maintenance and other operating lease expenses	67		55		59		180		164
Personnel cost	817		810		788		2,445		2,277
Net occupancy expense	58		61		62		177		182
Equipment expense	137		131		128		404		368
Professional fees	26		30		42		81		91
Third-party processing fees	67		63		55		193		173
FDIC insurance expense	38		38		31		114		105
Marketing expense	33		32		20		97		52
Acquisition-related expenses	28		38		46		108		148
Intangible asset amortization	13		13		15		41		47
Other noninterest expense	109		129		111		348		318
Total noninterest expense	1,491		1,500		1,456		4,484		4,218
Income before income taxes	751		758		873		2,160		2,856
Income tax expense	183		183		234		534		779
Net income	$	568	$	575	$	639	$	1,626	$	2,077
Preferred stock dividends	14		14		15		43		46
Net income available to common stockholders	$	554	$	561	$	624	$	1,583	$	2,031
Basic earnings per common share	$	43.08	$	42.36	$	43.42	$	119.70	$	140.27
Diluted earnings per common share	$	43.08	$	42.36	$	43.42	$	119.70	$	140.26
Weighted average common shares outstanding (basic)	12,849,339		13,237,226		14,375,974		13,217,940		14,480,874
Weighted average common shares outstanding (diluted)	12,849,339		13,237,226		14,375,974		13,217,940		14,481,919

2

Dollars in millions, except share data
Balance Sheet (unaudited)	September 30, 2025		June 30, 2025		September 30, 2024
Assets
Cash and due from banks	$	874	$	889	$	862
Interest-earning deposits at banks	24,798		26,184		25,640
Securities purchased under agreements to resell	83		300		455
Investment in marketable equity securities	110		97		82
Investment securities available for sale	34,963		33,060		28,190
Investment securities held to maturity	10,051		10,189		10,391
Assets held for sale	112		125		68
Loans and leases	144,758		141,269		138,695
Allowance for loan and lease losses	(1,652)		(1,672)		(1,678)
Loans and leases, net of allowance for loan and lease losses	143,106		139,597		137,017
Operating lease equipment, net	9,446		9,466		9,186
Premises and equipment, net	2,283		2,115		1,974
Goodwill	346		346		346
Other intangible assets, net	208		221		265
Other assets	7,108		7,064		6,091
Total assets	$	233,488	$	229,653	$	220,567
Liabilities
Deposits:
Noninterest-bearing	$	42,752	$	40,879	$	39,396
Interest-bearing	120,438		119,056		112,178
Total deposits	163,190		159,935		151,574
Credit balances of factoring clients	1,326		1,077		1,250
Borrowings:
Short-term borrowings	423		471		391
Long-term borrowings	38,252		37,641		36,770
Total borrowings	38,675		38,112		37,161
Other liabilities	8,311		8,233		7,754
Total liabilities	$	211,502	$	207,357	$	197,739
Stockholders’ equity
Preferred stock	881		881		881
Common stock:
Class A - $1 par value	12		12		13
Class B - $1 par value	1		1		1
Additional paid in capital	270		1,179		3,389
Retained earnings	20,866		20,337		18,703
Accumulated other comprehensive loss	(44)		(114)		(159)
Total stockholders’ equity	21,986		22,296		22,828
Total liabilities and stockholders’ equity	$	233,488	$	229,653	$	220,567

3

Dollars in millions, except share per share data	Three Months Ended						Nine Months Ended
Notable Items (1)	September 30, 2025		June 30, 2025		September 30, 2024		September 30, 2025		September 30, 2024
Noninterest income
Rental income on operating lease equipment (2)	$	(165)	$	(155)	$	(158)	$	(476)	$	(457)
Realized gain on sale of investment securities, net	—		—		(4)		—		(4)
Fair value adjustment on marketable equity securities, net	(13)		(2)		(9)		(10)		(3)
Gain on sale of leasing equipment, net	(3)		(8)		(5)		(16)		(19)
Loss on extinguishment of debt	—		—		—		—		2
Other noninterest income (3)	—		—		—		—		(4)
Impact of notable items on adjusted noninterest income	$	(181)	$	(165)	$	(176)	$	(502)	$	(485)
Noninterest expense
Depreciation on operating lease equipment (2)	(98)		(100)		(99)		(296)		(293)
Maintenance and other operating lease equipment expense (2)	(67)		(55)		(59)		(180)		(164)
Personnel cost (4)	(6)		—		—		(6)		—
Professional fees (5)	—		—		—		—		(4)
FDIC insurance special assessment	—		—		—		—		(11)
Acquisition-related expenses	(28)		(38)		(46)		(108)		(148)
Intangible asset amortization	(13)		(13)		(15)		(41)		(47)
Other noninterest expense (6)	—		(15)		(8)		(18)		—
Impact of notable items on adjusted noninterest expense	$	(212)	$	(221)	$	(227)	$	(649)	$	(667)
Impact of notable items on adjusted pre-tax income	$	31	$	56	$	51	$	147	$	182
Income tax impact (7)	12		24		15		51		45
Impact of notable items on adjusted net income	$	19	$	32	$	36	$	96	$	137
Impact of notable items on adjusted diluted EPS	$	1.54	$	2.42	$	2.45	$	7.33	$	9.45

(1) Notable items include income and expense for infrequent transactions and certain recurring items (typically noncash) that management believes should be excluded from adjusted measures (non-GAAP) to enhance understanding of operations and comparability to historical periods. Management utilizes both GAAP and adjusted measures (non-GAAP) to analyze BancShares’ performance. Refer to subsequent pages of this financial supplement for a reconciliation of non-GAAP measures to the most directly comparable GAAP measures.

(2)Depreciation and maintenance and other operating lease expenses are deducted from rental income on operating lease equipment to calculate adjusted rental income on operating lease equipment (non-GAAP). There is no net impact to earnings for this non-GAAP item because adjusted noninterest income and expense are reduced by the same amount. Management believes adjusted rental income on operating lease equipment (non-GAAP) is meaningful because it helps management monitor the performance and profitability of the operating leases after deducting direct expenses. Refer to subsequent pages of this financial supplement for a reconciliation of non-GAAP measures to the most directly comparable GAAP measures.

(3)Other noninterest income includes a gain on settlement of litigation in 1Q24.

(4) Personnel cost includes impairment of internal use software under development in 3Q25.

(5) Professional fees include expenses related to integration activities in 1Q24 and 2Q24.

(6) Other noninterest expense includes an accrual resulting from a vendor dispute and an increase in litigation reserve in 2Q25, impairment of capitalized software and related projects in 1Q25, litigation reserve releases in 1Q24 and 2Q24, and a technology fee in 3Q24.

(7) For the periods presented, the income tax impact may include tax discrete items and changes in the estimated annualized effective tax rate.

4

Dollars in millions, except share and per share data	Three Months Ended						Nine Months Ended
Condensed Income Statements (unaudited) - Adjusted for Notable Items (1)	September 30, 2025		June 30, 2025		September 30, 2024		September 30, 2025		September 30, 2024
Interest income	$	2,998	$	2,945	$	3,138	$	8,838	$	9,352
Interest expense	1,264		1,250		1,342		3,746		3,918
Net interest income	1,734		1,695		1,796		5,092		5,434
Provision for credit losses	191		115		117		460		276
Net interest income after provision for credit losses	1,543		1,580		1,679		4,632		5,158
Noninterest income	518		513		474		1,510		1,431
Noninterest expense	1,279		1,279		1,229		3,835		3,551
Income before income taxes	782		814		924		2,307		3,038
Income tax expense	195		207		249		585		824
Net income	$	587	$	607	$	675	$	1,722	$	2,214
Preferred stock dividends	14		14		15		43		46
Net income available to common stockholders	$	573	$	593	$	660	$	1,679	$	2,168
Basic earnings per common share	$	44.62	$	44.78	$	45.87	$	127.03	$	149.72
Diluted earnings per common share	44.62		44.78		45.87		127.03		149.71
Weighted average common shares outstanding (basic)	12,849,339		13,237,226		14,375,974		13,217,940		14,480,874
Weighted average common shares outstanding (diluted)	12,849,339		13,237,226		14,375,974		13,217,940		14,481,919

(1)The GAAP income statements and notable items are included previously in this financial supplement. The condensed adjusted income statements above (non-GAAP) exclude the impact of notable items. Refer to the non-GAAP reconciliation tables at the end of this financial supplement for a reconciliation of non-GAAP measures to the most directly comparable GAAP measure.

5

Dollars in millions
Loans and Leases by Class (end of period)	September 30, 2025		June 30, 2025		September 30, 2024
Commercial
Commercial construction	$	5,926	$	5,714	$	4,924
Owner occupied commercial mortgages	17,232		17,053		16,372
Non-owner occupied commercial mortgages	15,645		16,100		16,078
Commercial and industrial (1)	41,172		40,658		40,043
Leases	2,066		2,028		2,020
Global fund banking (1)	31,615		28,677		27,114
Investor dependent (1)	2,772		2,777		3,562
Total commercial	$	116,428	$	113,007	$	110,113
Consumer
Residential mortgage	$	23,036	$	23,059	$	23,237
Revolving mortgage	2,794		2,736		2,455
Consumer auto	1,463		1,490		1,543
Consumer other	1,037		977		1,347
Total consumer	$	28,330	$	28,262	$	28,582
Total loans and leases	$	144,758	$	141,269	$	138,695
Less: allowance for loan and lease losses	(1,652)		(1,672)		(1,678)
Total loans and leases, net of allowance for loan and lease losses	$	143,106	$	139,597	$	137,017

(1) During the second quarter of 2025, the loan classes which were reported in the SVB portfolio in the 2024 Form 10-K, were recast to the Commercial portfolio (the “2025 Loan Class Changes”) as summarized below.

•Global fund banking remained a separate loan class, but is reported under the Commercial portfolio.

•Investor dependent–early stage and investor dependent–growth stage were combined into a single investor dependent loan class, which is reported under the Commercial portfolio.

•Cash flow dependent and innovation C&I was combined with the commercial and industrial loan class, which is reported under the Commercial portfolio.

Loan and lease disclosures for all periods presented in this Financial Supplement were recast to reflect the 2025 Loan Class Changes.

Dollars in millions
Deposits by Type (end of period)	September 30, 2025		June 30, 2025		September 30, 2024
Noninterest-bearing demand	$	42,752	$	40,879	$	39,396
Checking with interest	23,731		23,283		23,216
Money market	38,718		37,654		34,574
Savings	46,915		46,877		40,259
Time	11,074		11,242		14,129
Total deposits	$	163,190	$	159,935	$	151,574

6

	Three Months Ended									Nine Months Ended
Credit Quality and Allowance for Loan and Lease Losses (ALLL)	September 30, 2025			June 30, 2025			September 30, 2024			September 30, 2025			September 30, 2024
Nonaccrual loans at period end	$	1,406		$	1,319		$	1,244
Ratio of nonaccrual loans to total loans at period end	0.97		%	0.93		%	0.90		%
Charge-offs	$	(256)		$	(144)		$	(177)		$	(567)		$	(464)
Recoveries	22			25			32			70			84
Net charge-offs	$	(234)		$	(119)		$	(145)		$	(497)		$	(380)
Net charge-off ratio	0.65		%	0.33		%	0.42		%	0.47		%	0.37		%
ALLL to loans ratio at period end	1.14		%	1.18		%	1.21		%
ALLL at beginning of period	$	1,672		$	1,680		$	1,700		$	1,676		$	1,747
Provision for loan and lease losses	214			111			123			473			311
Net charge-offs	(234)			(119)			(145)			(497)			(380)
ALLL at end of period	$	1,652		$	1,672		$	1,678		$	1,652		$	1,678

7

Dollars in millions	Three Months Ended
	September 30, 2025						June 30, 2025						September 30, 2024
Average Balance Sheets, Yields and Rates	Average Balance		Income/Expense		Yield/Rate		Average Balance		Income/Expense		Yield/Rate		Average Balance		Income/Expense		Yield/Rate
Loans and leases (1) (2)	$	141,785	$	2,300	6.44	%	$	140,699	$	2,270	6.47	%	$	137,602	$	2,430	7.03	%
Investment securities	44,827		430		3.83		43,935		416		3.79		38,189		354		3.70
Securities purchased under agreements to resell	284		3		4.32		237		3		4.34		241		4		5.34
Interest-earning deposits at banks	24,146		265		4.36		23,304		256		4.40		26,167		350		5.33
Total interest-earning assets (2)	$	211,042	$	2,998	5.64	%	$	208,175	$	2,945	5.67	%	$	202,199	$	3,138	6.18	%
Operating lease equipment, net	$	9,463					$	9,419					$	9,028
Cash and due from banks	757						804						717
Allowance for loan and lease losses	(1,702)						(1,713)						(1,725)
All other noninterest-earning assets	10,969						10,867						10,247
Total assets	$	230,529					$	227,552					$	220,466
Interest-bearing deposits
Checking with interest	$	23,028	$	99	1.70	%	$	22,929	$	97	1.69	%	$	23,946	$	134	2.23	%
Money market	39,396		280		2.82		37,980		269		2.84		34,132		278		3.24
Savings	47,005		435		3.66		46,163		428		3.72		39,939		436		4.34
Time deposits	11,146		97		3.45		11,510		100		3.48		14,429		156		4.29
Total interest-bearing deposits	120,575		911		3.00		118,582		894		3.02		112,446		1,004		3.55
Borrowings:
Securities sold under customer repurchase agreements	442		1		0.51		471		—		0.57		384		—		0.55
Senior unsecured borrowings	555		7		5.27		555		8		5.27		361		2		2.59
Subordinated debt	1,350		17		5.02		1,473		19		5.23		900		8		3.34
Other borrowings	35,911		328		3.66		35,880		329		3.66		35,803		328		3.66
Long-term borrowings	37,816		352		3.73		37,908		356		3.74		37,064		338		3.64
Total borrowings	38,258		353		3.70		38,379		356		3.71		37,448		338		3.61
Total interest-bearing liabilities	$	158,833	$	1,264	3.16	%	$	156,961	$	1,250	3.19	%	$	149,894	$	1,342	3.57	%
Noninterest-bearing deposits	$	40,049					$	39,082					$	39,026
Credit balances of factoring clients	1,175						1,157						1,195
Other noninterest-bearing liabilities	8,181						7,864						7,500
Stockholders' equity	22,291						22,488						22,851
Total liabilities and stockholders’ equity	$	230,529					$	227,552					$	220,466
Net interest income			$	1,734					$	1,695					$	1,796
Net interest spread (2)					2.48	%					2.48	%					2.61	%
Net interest margin (2)					3.26	%					3.26	%					3.53	%
(1) Loans and leases include nonaccrual loans and loans held for sale. Interest income on loans and leases includes loan PAA income and loan fees.
(2)The average balances and yields for loans and leases are calculated net of average credit balances of factoring clients to appropriately reflect the interest-earning portion of factoring receivables.
Note: Certain items above do not precisely recalculate as presented due to rounding.

8

Dollars in millions	Nine Months Ended
Average Balance Sheets, Yields and Rates	September 30, 2025						September 30, 2024
	Average Balance		Income/Expense		Yield/Rate		Average Balance		Income/Expense		Yield/Rate
Loans and leases (1) (2)	$	140,668	$	6,806	6.46	%	$	135,302	$	7,206	7.11	%
Investment securities	44,110		1,257		3.80		35,769		960		3.58
Securities purchased under agreements to resell	268		9		4.34		240		10		5.37
Interest-earning deposits at banks	23,386		766		4.38		29,192		1,176		5.38
Total interest-earning assets (2)	$	208,432	$	8,838	5.66	%	$	200,503	$	9,352	6.22	%
Operating lease equipment, net	$	9,412					$	8,908
Cash and due from banks	785						751
Allowance for loan and lease losses	(1,707)						(1,762)
All other noninterest-earning assets	10,940						10,087
Total assets	$	227,862					$	218,487
Interest-bearing deposits
Checking with interest	$	23,292	$	300	1.72	%	$	24,112	$	401	2.22	%
Money market	38,055		806		2.83		32,364		760		3.14
Savings	45,707		1,280		3.74		38,290		1,242		4.33
Time deposits	11,752		312		3.55		15,712		504		4.28
Total interest-bearing deposits	118,806		2,698		3.04		110,478		2,907		3.51
Borrowings:
Securities sold under customer repurchase agreements	447		2		0.53		398		1		0.49
Senior unsecured borrowings	428		17		5.20		371		7		2.53
Subordinated debt	1,262		44		4.68		904		23		3.32
Other borrowings	35,878		985		3.66		35,829		980		3.65
Long-term borrowings	37,568		1,046		3.71		37,104		1,010		3.63
Total borrowings	38,015		1,048		3.67		37,502		1,011		3.59
Total interest-bearing liabilities	$	156,821	$	3,746	3.19	%	$	147,980	$	3,918	3.53	%
Noninterest-bearing deposits	$	39,431					$	39,339
Credit balances of factoring clients	1,141						1,178
Other noninterest-bearing liabilities	8,058						7,793
Stockholders' equity	22,411						22,197
Total liabilities and stockholders’ equity	$	227,862					$	218,487
Net interest income			$	5,092					$	5,434
Net interest spread (2)					2.47	%					2.69	%
Net interest margin (2)					3.26	%					3.62	%
(1) Loans and leases include nonaccrual loans and loans held for sale. Interest income on loans and leases includes loan PAA income and loan fees.
(2)The average balances and yields for loans and leases are calculated net of average credit balances of factoring clients to appropriately reflect the interest-earning portion of factoring receivables.
Note: Certain items above do not precisely recalculate as presented due to rounding.

9

Dollars in millions, except share and per share data		Three Months Ended						Nine Months Ended
Non-GAAP Reconciliations		September 30, 2025		June 30, 2025		September 30, 2024		September 30, 2025		September 30, 2024
Net income and EPS
Net income (GAAP)	a	$	568	$	575	$	639	$	1,626	$	2,077
Preferred stock dividends		14		14		15		43		46
Net income available to common stockholders (GAAP)	b	$	554	$	561	$	624	$	1,583	$	2,031
Total notable items, after income tax	c	19		32		36		96		137
Adjusted net income (non-GAAP)	d = (a+c)	587		607		675		1,722		2,214
Adjusted net income available to common stockholders (non-GAAP)	e = (b+c)	$	573	$	593	$	660	$	1,679	$	2,168
Weighted average common shares outstanding
Basic	f	12,849,339		13,237,226		14,375,974		13,217,940		14,480,874
Diluted	g	12,849,339		13,237,226		14,375,974		13,217,940		14,481,919
EPS (GAAP)
Basic	b/f	$	43.08	$	42.36	$	43.42	$	119.70	$	140.27
Diluted	b/g	43.08		42.36		43.42		119.70		140.26
Adjusted EPS (non-GAAP)
Basic	e/f	$	44.62	$	44.78	$	45.87	$	127.03	$	149.72
Diluted	e/g	44.62		44.78		45.87		127.03		149.71
Noninterest income and expense
Noninterest income (GAAP)	h	$	699	$	678	$	650	$	2,012	$	1,916
Impact of notable items, before income tax		(181)		(165)		(176)		(502)		(485)
Adjusted noninterest income (non-GAAP)	i	$	518	$	513	$	474	$	1,510	$	1,431
Noninterest expense (GAAP)	j	$	1,491	$	1,500	$	1,456	$	4,484	$	4,218
Impact of notable items, before income tax		(212)		(221)		(227)		(649)		(667)
Adjusted noninterest expense (non-GAAP)	k	$	1,279	$	1,279	$	1,229	$	3,835	$	3,551
PPNR
Net income (GAAP)	a	$	568	$	575	$	639	$	1,626	$	2,077
Plus: provision for credit losses		191		115		117		460		276
Plus: income tax expense		183		183		234		534		779
PPNR (non-GAAP)	l	$	942	$	873	$	990	$	2,620	$	3,132
Impact of notable items (1)		31		56		51		147		182
Adjusted PPNR (non-GAAP)	m	$	973	$	929	$	1,041	$	2,767	$	3,314
(1) Excludes the impact of notable items on income taxes as this is excluded from PPNR as presented in the table above.
Note: Certain items above do not precisely recalculate as presented due to rounding.

10

Dollars in millions		Three Months Ended									Nine Months Ended
Non-GAAP Reconciliations (continued)		September 30, 2025			June 30, 2025			September 30, 2024			September 30, 2025			September 30, 2024
ROA
Net income (GAAP)	a	$	568		$	575		$	639		$	1,626		$	2,077
Annualized net income	n = a annualized	2,254			2,307			2,544			2,173			2,775
Adjusted net income (non-GAAP)	d	587			607			675			1,722			2,214
Annualized adjusted net income	p = d annualized	2,332			2,435			2,684			2,303			2,958
Average assets	o	230,529			227,552			220,466			227,862			218,487
ROA	n/o	0.98		%	1.01		%	1.15		%	0.95		%	1.27		%
Adjusted ROA (non-GAAP)	p/o	1.01			1.07			1.22			1.01			1.35
PPNR ROA
PPNR (non-GAAP)	l	$	942		$	873		$	990		$	2,620		$	3,132
Annualized PPNR	q = l annualized	3,738			3,501			3,942			3,503			4,184
Adjusted PPNR (non-GAAP)	m	973			929			1,041			2,767			3,314
Annualized adjusted PPNR	r = m annualized	3,860			3,728			4,141			3,700			4,427
PPNR ROA (non-GAAP)	q/o	1.62		%	1.54		%	1.79		%	1.54		%	1.91		%
Adjusted PPNR ROA (non-GAAP)	r/o	1.67			1.64			1.88			1.62			2.03
ROE and ROTCE
Annualized net income available to common stockholders	s = b annualized	$	2,196		$	2,249		$	2,483		$	2,115		$	2,713
Annualized adjusted net income available to common stockholders	t = e annualized	$	2,275		$	2,377		$	2,623		$	2,245		$	2,896
Average stockholders' equity (GAAP)		$	22,291		$	22,488		$	22,851		$	22,411		$	22,197
Less: average preferred stock		881			881			881			881			881
Average common stockholders' equity	u	$	21,410		$	21,607		$	21,970		$	21,530		$	21,316
Less: average goodwill		346			346			346			346			346
Less: average other intangible assets		216			229			275			230			290
Average tangible common equity (non-GAAP)	v	$	20,848		$	21,032		$	21,349		$	20,954		$	20,680
ROE	s/u	10.26		%	10.41		%	11.30		%	9.82		%	12.73		%
Adjusted ROE (non-GAAP)	t/u	10.62			11.00			11.94			10.43			13.59
ROTCE (non-GAAP)	s/v	10.53			10.69			11.63			10.09			13.12
Adjusted ROTCE (non-GAAP)	t/v	10.91			11.30			12.29			10.71			14.00
Tangible common equity to tangible assets at period end
Stockholders' equity (GAAP)	w	$	21,986		$	22,296		$	22,828
Less: preferred stock		881			881			881
Common equity	x	$	21,105		$	21,415		$	21,947
Less: goodwill		346			346			346
Less: other intangible assets		208			221			265
Tangible common equity (non-GAAP)	y	$	20,551		$	20,848		$	21,336
Total assets (GAAP)	z	233,488			229,653			220,567
Tangible assets (non-GAAP)	aa	232,934			229,086			219,956
Total equity to total assets (GAAP)	w/z	9.42		%	9.71		%	10.35		%
Tangible common equity to tangible assets (non-GAAP)	y/aa	8.82			9.10			9.70
Note: Certain items above do not precisely recalculate as presented due to rounding.

11

Dollars in millions, except share and per share data		Three Months Ended									Nine Months Ended
Non-GAAP Reconciliations (continued)		September 30, 2025			June 30, 2025			September 30, 2024			September 30, 2025			September 30, 2024
Book value and tangible book value per common share at period end
Common shares outstanding at period end	bb	12,618,629			13,075,979			14,179,208
Book value per share	x/bb	$	1,672.54		$	1,637.72		$	1,547.81
Tangible book value per common share (non-GAAP)	y/bb	1,628.64			1,594.38			1,504.75
Efficiency ratio
Net interest income	cc	$	1,734		$	1,695		$	1,796		$	5,092		$	5,434
Efficiency ratio (GAAP)	j / (h + cc)	61.27		%	63.22		%	59.49		%	63.12		%	57.38		%
Adjusted efficiency ratio (non-GAAP)	k / (i + cc)	56.78			57.92			54.15			58.08		%	51.72		%
Rental income on operating lease equipment
Rental income on operating lease equipment (GAAP)		$	273		$	272		$	262		$	815		$	776
Less: depreciation on operating lease equipment		98			100			99			296			293
Less: maintenance and other operating lease expenses		67			55			59			180			164
Plus: accelerated depreciation on impaired operating lease equipment		—			—			—			—			—
Adjusted rental income on operating lease equipment (non-GAAP)		$	108		$	117		$	104		$	339		$	319
Net interest income & Net interest margin
Net interest income (GAAP)	cc	$	1,734		$	1,695		$	1,796		$	5,092		$	5,434
Loan PAA	dd	71			75			107			230			415
Other PAA	ee	(10)			(9)			(6)			(28)			(16)
PAA	ff = (dd + ee)	$	61		$	66		$	101		$	202		$	399
Net interest income, excluding PAA (non-GAAP)	gg = (cc - ff)	$	1,673		$	1,629		$	1,695		$	4,890		$	5,035
Annualized net interest income	hh = cc annualized	$	6,878		$	6,800		$	7,147		$	6,808		$	7,259
Annualized net interest income, excluding PAA	ii = gg annualized	6,637			6,533			6,746			6,537			6,726
Average interest-earning assets	jj	211,042			208,175			202,199			208,432			200,503
NIM (GAAP)	hh/jj	3.26		%	3.26		%	3.53		%	3.26		%	3.62		%
NIM, excluding PAA (non-GAAP)	ii/jj	3.15			3.14			3.33			3.13			3.35
Interest income on loans (GAAP)		$	2,300		$	2,270		$	2,430		$	6,806		$	7,206
Less: loan PAA	dd	71			75			107			230			415
Interest income on loans, excluding loan PAA (non-GAAP)		$	2,229		$	2,195		$	2,323		$	6,576		$	6,791
Income tax expense
Income tax expense		$	183		$	183		$	234		$	534		$	779
Impact of notable items		12			24			15			51			45
Adjusted income tax expense (non-GAAP)		$	195		$	207		$	249		$	585		$	824
Note: Certain items above do not precisely recalculate as presented due to rounding.

12