美国富国银行Wells Fargo ＆ Company (WFC) 2024年第三季度业绩报告（英文版）（22页）.pdf

1、3Q24 Financial Results October11,2024 2024 WellsFargo Bank,N.A.All rights reserved.3Q24 results Financial Results ROE:11.7%ROTCE:13.9%1 Efficiency ratio:64%2 Credit Quality Net income of$5.1 billion,or$1.42 per diluted common share,included:$(447)million,or$(0.10)per share,of net losses on debt secu

2、rities related to a repositioning of the investment securities portfolio Revenue of$20.4 billion,down 2%Net interest income of$11.7 billion,down 11%Noninterest income of$8.7 billion,up 12%Noninterest expense of$13.1 billion,down slightly Pre-tax pre-provision profit3 of$7.3 billion,down 6%Effective

3、income tax rate of 17.2%4 Average loans of$910.3 billion,down 3%Average deposits of$1.3 trillion,stable Provision for credit losses5 of$1.1 billion Total net loan charge-offs of$1.1 billion,up$261 million,with net loan charge-offs of 0.49%of average loans(annualized)Allowance for credit losses for l

4、oans of$14.7 billion,down 2%Common Equity Tier 1(CET1)capital6 of$138.3 billion CET1 ratio6 of 11.3%under the Standardized Approach Liquidity coverage ratio(LCR)7 of 127%Capital and Liquidity CET1 ratio:11.3%6 LCR:127%7 TLAC ratio:25.3%8 Comparisons in the bullet points are for 3Q24 versus 3Q23,unle

5、ss otherwise noted.Endnotes are presented starting on page 18.3Q24 Financial Results 2 3Q24 earnings Quarter ended$Change from$in millions,except per share data 3Q24 2Q24 3Q23 2Q24 3Q23 Net interest income$11,690 11,923 13,105($233)(1,415)Noninterest income 8,676 8,766 7,752(90)924 Total revenue 20,

6、366 20,689 20,857(323)(491)Net charge-offs 1,111 1,303 864(192)247 Change in the allowance for credit losses(46)(67)333 21(379)Provision for credit losses1 1,065 1,236 1,197(171)(132)Noninterest expense 13,067 13,293 13,113(226)(46)Pre-tax income 6,234 6,160 6,547 74(313)Income tax expense(benefit)2