Financial insights of ZION

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	898	875
Interest on money market investments	41	50
Interest on securities	125	126
Total interest income	1,064	1,051
Interest on deposits	313	312
Interest on short- and long-term borrowings	79	91
Total interest expense	392	403
Net interest income	672	648
Provision for loan and lease losses	45	3
Provision for unfunded lending commitments	4	-4
Total provision for credit losses	49	-1
Net interest income after provision for credit losses	623	649
Commercial account fees	47	46
Card fees	24	24
Retail and business banking fees	19	19
Loan-related fees and income	20	19
Capital markets fees and income	24	28
Wealth management fees	14	14
Other customer-related fees	15	14
Customer-related noninterest income	163	164
Dividends and other income	15	12
Securities gains (losses), net	11	14
Total noninterest income	189	190
Salaries and employee benefits	337	336
Technology, telecom, and information processing	70	65
Occupancy and equipment, net	42	40
Professional and legal services	14	13
Marketing and business development	11	12
Deposit insurance and regulatory expense	16	20
Credit-related expense	6	6
Other real estate expense, net	0	0
Other	31	35
Total noninterest expense	527	527
Income before income taxes	285	312
Income taxes	63	68
Net income	222	244
Preferred stock dividends	1	1
Net earnings applicable to common shareholders	221	243

Basic EPS	1.48	1.63
Diluted EPS	1.48	1.63
Basic Average Shares	147,045,000	147,044,000
Diluted Average Shares	147,125,000	147,053,000

Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.