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3Q15 performance summary

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Net interest income rose 3% or $55 million to $1.89 billion as the impact of a 6% loan growth was partially offset by a lower net interest margin, which declined 13 basis points

Non-interest income rose 3%, led by higher contributions from wealth management, investment banking and treasury customer activities, and partially offset by lower trading

Total income rose 6% to a record $11.5 billion from higher loan volumes, improved net interest margin and broad-based non-interest income growth, the result of our investments

Total income increased 11% to $4.53 billion from higher loan volumes, increased fee contributions from wealth management, investment banking and cards, partially offset by

For the fourth quarter, total income increased 3% from the previous quarter to $657 million, driven by higher net interest income from loan and deposit volume growth and

Trading income (including net income from financial instruments designated at fair value) rose 45% to $188 million as trading gains and income from treasury customer flows

For the fourth quarter, total other non-interest income rose 18% from the previous quarter to $294 million from higher net gain on fixed assets, which amounted to $41 million

Net profit improved from $65 million in the previous quarter to $190 million as non-interest income rose and both expenses and allowances declined. Net interest income decreased