美国富国银行（Wells Fargo & Company（WFC）2025年第二季度财务业绩报告「NYSE」英文版）（21页）.pdf

1、 2025 WellsFargo Bank,N.A.All rights reserved.2Q25 Financial ResultsJuly15,202522Q25 Financial Results2Q25 resultsFinancial ResultsROE:12.8%ROTCE:15.2%1Efficiency ratio:64%2Credit QualityCapital and LiquidityCET1 ratio:11.1%5LCR:121%6TLAC ratio:24.4%7 Provision for credit losses4 of$1.0 billion Tota

2、l net loan charge-offs of$1.0 billion,down$304 million,with net loan charge-offs of 0.44%of average loans(annualized)Allowance for credit losses for loans of$14.6 billion,down 1%Common Equity Tier 1(CET1)capital5 of$136.4 billionCET1 ratio5 of 11.1%under the Standardized Approach Liquidity coverage

3、ratio(LCR)6 of 121%Net income of$5.5billion,or$1.60 per diluted common share,included:$253 million,or$0.06 per share,gain associated with our acquisition of the remaining interest in our merchant services joint venture Revenue of$20.8billion,up 1%Net interest income of$11.7 billion,down 2%Noninteres

4、t income of$9.1 billion,up 4%Noninterest expense of$13.4billion,up 1%Pre-tax pre-provision profit3 of$7.4 billion,up 1%Effective income tax rate of 14.3%Average loans of$916.7billion,stableAverage deposits of$1.3trillion,down 1%Comparisons in the bullet points are for 2Q25 versus 2Q24,unless otherwi

5、se noted.Endnotes are presented starting on page 17.32Q25 Financial Results2Q25 earningsQuarter ended$Change from$in millions,except per share data 2Q251Q252Q241Q252Q24Net interest income$11,708 11,495 11,923$213 (215)Noninterest income 9,114 8,654 8,766 460 348 Total revenue 20,822 20,149 20,689 67

6、3 133 Net charge-offs 997 1,009 1,303 (12)(306)Change in the allowance for credit losses 8 (77)(67)85 75 Provision for credit losses1 1,005 932 1,236 73 (231)Noninterest expense 13,379 13,891 13,293 (512)86 Pre-tax income 6,438 5,326 6,160 1,112 278 Income tax expense 916 522 1,251 394 (335)Effectiv