Financial insights of RF-PC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Loans, including fees	5,463	5,732	5,733	4,088
Debt securities	1,145	925	749	688
Loans held for sale	35	39	40	36
Other earning assets	430	412	375	290
Total interest income	7,073	7,108	6,897	5,102
Deposits	1,766	1,971	1,255	197
Short-term borrowings	17	40	96	0
Long-term borrowings	299	279	226	119
Total interest expense	2,082	2,290	1,577	316
Net interest income	4,991	4,818	5,320	4,786
Provision for credit losses	470	487	553	271
Net interest income after provision for credit losses	4,521	4,331	4,767	4,515
Deposit Account	635	612	592	641
Credit And Debit Card	487	467	504	513
Asset Management1	362	338	313	297
Capital Markets	347	348	222	339
Mortgage Banking	158	146	109	156
Securitiesgainslossesnet	-53	-208	-5	-1
Other Non Interest Income	599	562	521	484
Total noninterest income	2,535	2,265	2,256	2,429
Salaries and employee benefits	2,616	2,529	2,416	2,318
Equipment and software expense	421	406	412	392
Net occupancy expense	288	278	289	300
Other	988	1,029	1,299	1,058
Total non-interest expense	4,313	4,242	4,416	4,068
Income before income taxes	2,743	2,354	2,607	2,876
Income tax expense	587	461	533	631
Net income	2,156	1,893	2,074	2,245

Basic EPS	2.31	1.94	2.11	2.29
Diluted EPS	2.3	1.93	2.11	2.28
Basic Average Shares	892,000,000	916,000,000	936,000,000	935,000,000
Diluted Average Shares	896,000,000	918,000,000	938,000,000	942,000,000