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Net Income by Segment
Shows the profitability of each business segment, highlighting which areas drive the most earnings and where there may be challenges or opportunities for growth.Commercial Bank is the clear earnings engine — steady, material recovery in 2024–26 driven by loan growth and margin expansion — while Consumer Bank is accelerating into 2025–26, supporting recurring earnings. The outsized, volatile negative swings in “Other” (large 2H‑2024 hits and remaining drag into 2026) are the main wild card: they swamp underlying franchise gains and could pressure reported EPS and capital if they recur. Management’s guidance (strong NII, commercial loan growth, modest reserve build and Basel‑III tailwind) supports the core thesis, but investors should demand clarity on the drivers and recurrence of Other losses.
Date | Other | Consumer Bank | Commercial Bank |
|---|---|---|---|
Jun 30, 2026 | -$118.00M | $203.00M | $423.00M |
Mar 31, 2026 | -$102.00M | $173.00M | $451.00M |
Dec 31, 2025 | -$38.00M | $137.00M | $410.00M |
Sep 30, 2025 | -$30.00M | $152.00M | $367.00M |
Jun 30, 2025 | -$46.00M | $122.00M | $349.00M |
Mar 31, 2025 | -$34.00M | $118.00M | $321.00M |
Dec 31, 2024 | -$703.00M | $75.00M | $384.00M |
Sep 30, 2024 | -$796.00M | $86.00M | $300.00M |
Jun 30, 2024 | $0.00 | $67.00M | $207.00M |
Mar 31, 2024 | -$36.00M | $55.00M | $200.00M |