美国富国银行Wells Fargo ＆amp Company（WFC）2025年第四季度及全年财务业绩报告「NYSE」（英文版）（25页）.pdf

1、 2026 WellsFargo Bank,N.A.All rights reserved.4Q25 Financial ResultsJanuary14,202624Q25 Financial Results4Q25 resultsFinancial ResultsROE:12.3%ROTCE:14.5%1Efficiency ratio:64%2Credit QualityCapital and LiquidityCET1 ratio:10.6%6LCR:119%7TLAC ratio:23.2%8Provision for credit losses5 of$1.0 billion To

2、tal net loan charge-offs of$1.0 billion,down$165 million,with net loan charge-offs of 0.43%of average loans(annualized)Allowance for credit losses for loans of$14.3 billion,down 2%Common Equity Tier 1(CET1)capital6 of$137.3 billionCET1 ratio6 of 10.6%under the Standardized Approach Liquidity coverag

3、e ratio(LCR)7 of 119%Net Income of$5.4 billion,or$1.62 per diluted share,included$612 million(pre-tax),or$0.14 per share,of severance expense Net income,excluding severance expense,of$5.8 billion,or$1.76 per diluted share3Revenue of$21.3billion,up 4%Net interest income of$12.3 billion,up 4%Nonintere

4、st income of$9.0 billion,up 5%Noninterest expense of$13.7billion,down 1%Pre-tax pre-provision profit4 of$7.6 billion,up 17%Effective income tax rate of 16.9%Average loans of$955.8billion,up 5%Average deposits of$1.4trillion,up 2%Comparisons in the bullet points are for 4Q25 versus 4Q24,unless otherw

5、ise noted.Endnotes are presented starting on page 20.34Q25 Financial Results4Q25 earningsQuarter ended$Change fromYear ended$Change from$in millions,except per share data 4Q25 3Q254Q243Q254Q24202520242024Net interest income$12,331 11,950 11,836$381 495$47,484 47,676 ($192)Noninterest income 8,961 9,

6、486 8,542 (525)419 36,215 34,620 1,595 Total revenue 21,292 21,436 20,378 (144)914 83,699 82,296 1,403 Net charge-offs 1,030 954 1,188 76 (158)3,990 4,759 (769)Change in the allowance for credit losses 10 (273)(93)283 103 (332)(425)93 Provision for credit losses1 1,040 681 1,095 359 (55)3,658 4,334