Financial Performance Highlights - Revenue reached $26.5 billion, a 4% year-over-year increase[2] - Net income was $7.1 billion, up 3% year-over-year[2] - Earnings per share (EPS) increased by 7% year-over-year to $0.89[2] - The return on average common shareholders' equity (ROE) was 100% and return on average tangible common shareholders' equity (ROTCE) was 134%[2] Balance Sheet Strength - Deposits totaled $20 trillion, a 5% increase year-over-year[2] - The common equity tier 1 (CET1) ratio was 115%, exceeding regulatory minimums[2] - Global liquidity sources (GLS) averaged $938 billion[2] Business Segment Growth - Consumer investment assets increased by 13% year-over-year to approximately $540 billion[9] - Global Banking average deposits grew 15% year-over-year to over $600 billion[10] - Global Wealth & Investment Management (GWIM) client balances increased 10% year-over-year to $44 trillion, with assets under management (AUM) up 13%[9] Artificial Intelligence and Innovation - The company is leveraging AI to drive efficiencies across various operations, including customer service, content summarization, and code generation[11] - Over 50 AI-enabled fraud detection models are in use[11] - The company has approximately 1,400 AI and machine learning patents granted and pending[11] Net Interest Income and Outlook - Net interest income (NII) increased by 7% year-over-year to $147 billion[14] - The company expects net interest income to be approximately $155 billion-$157 billion in 4Q25[51] Asset Quality - Total net charge-offs were $15 billion[12] - The allowance for loan and lease losses represented 117% of total loans and leases[65]