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4Q21 Financial Results

Pretax Net income EPS Firmwide net credit reserve release $1,839 $1,398 0.47 4Q21 Financial highlights 1 See note 4 on slide 19 2 Represents the estimated Basel III common equity Tier 1 (“CET1”) capital and ratio for the current period. See note 1 on slide 20 3 Last twelve months (“LTM”). Net of stock issued to employees

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