Ratings

Reported book assets. Includes letter of credit, guarantees and acceptances in Japan and other Asian countries. Not adjusted for revaluations.

Risk-adjusted assets as defined by the relevant regulatory body.

Loans and leases net of loss reserves and unearned income (except in U.S. and Australia, where loans are before loss reserves and include other real estate (ORE), i.e. foreclosed assets). Excludes guarantees and acceptances except in Australia and Japan.

Deposits other than interbank deposits. In the U.S., this category denotes core deposits (domestic deposits under $100,000).

Total shareholders' equity as reported, including preferred stock (excluding auction rate preferred) and minority interest.

Common stockholders' equity, including minority interest, less goodwill and dividends. Excludes revaluation accounts not arising from inflation accounting (including unrealized gains/losses on securities available for sale in the U.S.).

Total equity, less goodwill, dividends and revaluations, plus preferred stock (up to limits defined by Standard & Poor's) and excess reserves (loans loss reserves in excess of one-third nonperforming assets in U.S.).

Net interest income (in U.S. taxable equivalent, including loan fees) plus noninterest income excluding gains on sale of nonloan assets and long-term equity holdings. In the U.S. revenues excludes gains from sale of nontrading securities.

Noninterest expenses adjusted for restructuring charges and other nonrecurring items. Including depreciation and amortization expenses.

Revenues minus noninterest expenses.

Loan loss provisions (net new) added to reserves (general and specific), including current period net charge-offs where applicable.

Pretax income as reported.

Net income as reported before preferred dividends and minority interest (and items reported below the line in the U.S.).

One- to four-family first, second, and revolving mortgages.

Loans to individuals, including credit card and installment loans.

Loans secured by real estate other than residential mortgages, including construction loans, commercial mortgages, plus real estate-related loans not secured by real estate, plus ORE.

Domestic commercial and industrial, financial institution, agricultural, government, and other loans.

Commercial and personal loans.

Revenues divided by average (daily averages if available, otherwise mean of current and prior period-end) assets as reported.

Net interest income divided by average assets.

Noninterest income divided by average assets.

Noninterest expenses divided by average assets.

Revenues minus noninterest expense divided by average assets.

Revenues minus loans loss provisions, minus noninterest expense divided by average assets.

Loan loss provisions divided by average assets.

Pretax income as published divided by average assets.

Net income divided by average assets.

Revenues divided by average regulatory risk assets.

Net income divided by average regulatory risk assets.

Net interest income divided by revenues.

Noninterest income divided by revenues.

Noninterest expenses divided by revenues.

Revenues less noninterest expenses divided by revenues.

Revenues less Loans loss provisions less noninterest expenses divided by revenues.

Loans loss provisions divided by revenues.

Pretax income as reported divided by revenues (before adjustments included in definition above).

Net income divided by revenues (before adjustments included in definition above).

Net interest income divided by average (daily if available) interest earning assets.

Net income (before below-the-line extraordinary items in the U.S.) minus preferred dividends divided by average adjusted common equity.

Total deposits including those due to banks divided by total liabilities.

Loans divided by customer or core deposits.

Loans net of reserves for loan losses divided by assets.

Deposited due to banks (in U.S. Fed funds bought) minus deposits due from banks (Fed funds sold) divided by total liabilities.

Adjusted common equity divided by assets.

Adjusted common equity divided by regulatory risk assets.

Adjusted common equity divided by loans.

Parent company equity investments in subsidiaries (bank, nonbank, holding companies, including goodwill) divided by total consolidated shareholders' equity.

Total unadjusted equity plus loan loss reserves divided by loans net of unearned income plus ORE.

As reported by company according to regulatory prescription.

Adjusted total equity divided by assets.

Adjusted total equity divided by regulatory risk assets.

Dividends on common stock divided by net income minus preferred dividends.

Loans loss provisions divided by average loans (daily average or best available average).

Charge-offs minus recoveries divided by average loans.

Total loans reserves (allowance), including both general and specific reserves divided by gross loans net of unearned income.

Total loan loss reserves (allowance) divided by regulatory risk assets.

Nonaccrual and restructured loans (plus 90-day past-due loans in the U.S.) before deducting loan loss reserves, plus ORE divided by gross loans net of unearned income plus ORE.

Nonaccrual and restructured loans (plus 90-day past-due loans in U.S.) minus total loss reserves divided by loans net of unearned income and total loans reserves plus ORE.

Total loan loss reserve divided by nonaccrual and restructured loans (and 90-day past-due loans in the U.S.) before deducting loans loss reserves plus ORE.