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1、 2025 WellsFargo Bank,N.A.All rights reserved.1Q25 Financial Results April11,2025 2 1Q25 Financial Results 1Q25 results Financial Results ROE:11.5%ROTCE:13.6%1 Efficiency ratio:69%2 Credit Quality Capital and Liquidity CET1 ratio:11.1%5 LCR:125%6 TLAC ratio:25.1%7 Provision for credit losses4 of$932

2、 million Total net loan charge-offs of$1.0 billion,down$140 million,with net loan charge-offs of 0.45%of average loans(annualized)Allowance for credit losses for loans of$14.6 billion,down 2%Common Equity Tier 1(CET1)capital5 of$135.6 billion CET1 ratio5 of 11.1%under the Standardized Approach Liqui

3、dity coverage ratio(LCR)6 of 125%Net income of$4.9 billion,or$1.39 per diluted common share,included:Revenue of$20.1 billion,down 3%Net interest income of$11.5 billion,down 6%Noninterest income of$8.7 billion,up slightly Noninterest expense of$13.9 billion,down 3%Pre-tax pre-provision profit3 of$6.3

4、 billion,down 4%Effective income tax rate of 9.6%and included$313 million of discrete tax benefits Average loans of$908.2 billion,down 2%Average deposits of$1.3 trillion,down slightly Comparisons in the bullet points are for 1Q25 versus 1Q24,unless otherwise noted.Endnotes are presented starting on

5、page 17.($in millions,except EPS)Pre-tax Income EPS Discrete tax benefits related to the resolution of prior period matters$313$0.09 Gain on the previously announced sale of the non-agency third party servicing segment of our commercial mortgage servicing business 263 0.06 Losses on debt securities

6、related to a repositioning of the investment portfolio(149)(0.03)3 1Q25 Financial Results 1Q25 earnings Quarter ended$Change from$in millions,except per share data 1Q25 4Q24 1Q24 4Q24 1Q24 Net interest income$11,495 11,836 12,227($341)(732)Noninterest income 8,654 8,542 8,636 112 18 Total revenue 20