Table 1:

Financial & Statistical Summary—Consolidated

Table 2:

Consolidated Statements of Income

Table 3:

Consolidated Balance Sheets

Table 4:

Notes to Consolidated Financial Statements & Statistical Summary (Tables 1 — 3)

Table 5:

Average Balances, Net Interest Income and Net Interest Margin

Table 6:

Loan Information and Performance Statistics

Table 7:

Loan Information and Performance Statistics (Excluding Acquired Loans) ⁽³⁾

Financial & Statistical Summary—Credit Card Business

Financial & Statistical Summary—Consumer Banking Business

Financial & Statistical Summary—Commercial Banking Business

Financial & Statistical Summary—Other and Total

Notes to Loan and Business Segment Disclosures (Tables 6 — 11)

Reconciliation of Non-GAAP Measures and Calculation of Regulatory Capital Measures

The information contained in this Financial Supplement is preliminary and based on data available at the time of the earnings presentation, and investors should refer to our December 31, 2012 Annual Report on Form 10-K once it is filed with the Securities and Exchange Commission.

References to ING Direct refer to the business and assets acquired and liabilities assumed in the February 17, 2012 acquisition. References to HSBC refer to the May 1, 2012 transaction in which we acquired substantially all of HSBC’s credit card and private-label credit card business in the United States (“HSBC U.S. card”).

We use the term “acquired loans” to refer to a limited portion of the credit card loans acquired in the HSBC U.S. card acquisition and the substantial majority of loans acquired in the ING Direct and Chevy Chase Bank (“CCB”) acquisitions, which were recorded at fair value at acquisition and subsequently accounted for based on estimated cash flows expected to be collected over the life of the loans (under the accounting standard formerly known as “SOP 03-3”). Because SOP 03-3 takes into consideration future credit losses expected to be incurred over the life of the loans, there are no charge-offs or an allowance associated with these loans unless the estimated cash flows expected to be collected decrease subsequent to acquisition. In addition, these loans are not classified as delinquent or nonperforming even though the customer may be contractually past due because we expect that we will fully collect the carrying value of these loans. The accounting and classification of these loans may significantly alter some of our reported credit quality metrics. We therefore supplement certain reported credit quality metrics with metrics adjusted to exclude the impact of these acquired loans.

(Dollars in millions, except per share data and as noted) (unaudited)

Earnings

Net interest income

Non-interest income^{(4) (5)}

Total net revenue⁽⁶⁾

Provision for credit losses

Marketing expenses

Operating expenses⁽⁷⁾

Income from continuing operations before income taxes

Income tax provision

Income from continuing operations, net of tax

Loss from discontinued operations, net of tax⁽⁴⁾

Net income

Dividends and undistributed earnings allocated to participating securities⁽⁸⁾

Preferred stock dividends

Net income available to common stockholders

Common Share Statistics

Basic EPS:⁽⁸⁾

Income from continuing operations, net of tax

Loss from discontinued operations, net of tax

Net income per common share

Diluted EPS:⁽⁸⁾

Income from continuing operations, net of tax

Loss from discontinued operations, net of tax

Net income per common share

Weighted average common shares outstanding (in millions):

Basic EPS

Diluted EPS

Common shares outstanding (period end, in millions)

Dividends per common share

Tangible book value per common share (period end)^{(9) (26)}

Balance Sheet (Period End)

Loans held for investment⁽¹⁰⁾

Interest-earning assets

Total assets

Interest-bearing deposits

Total deposits

Borrowings

Stockholders’ equity

Balance Sheet (Quarterly Average Balances)

Average loans held for investment⁽¹⁰⁾

Average interest-earning assets

Average total assets

Average interest-bearing deposits

Average total deposits

Average borrowings

Average stockholders’ equity

Performance Metrics

Net interest income growth (quarter over quarter)

Non-interest income growth (quarter over quarter)

Total net revenue growth (quarter over quarter)

Total net revenue margin⁽¹¹⁾

Net interest margin⁽¹²⁾

Return on average assets⁽¹³⁾

Return on average total stockholders’ equity⁽¹⁴⁾

Return on average tangible common equity^{(15) (26)}

Non-interest expense as a % of average loans held for investment⁽¹⁶⁾

Efficiency ratio⁽¹⁷⁾

Effective income tax rate

Full-time equivalent employees (in thousands), period end

Credit Quality Metrics^{(10) (18)}

Allowance for loan and lease losses

Allowance as a % of loans held for investment

Allowance as a % of loans held for investment (excluding acquired loans)

Net charge-offs

Net charge-off rate⁽¹⁹⁾

Net charge-off rate (excluding acquired loans)⁽¹⁹⁾

30+ day performing delinquency rate

30+ day performing delinquency rate (excluding acquired loans)

30+ day delinquency rate⁽²⁰⁾

30+ day delinquency rate (excluding acquired loans)⁽²⁰⁾

Capital Ratios ⁽²¹⁾

Tier 1 common ratio⁽²²⁾

Tier 1 risk-based capital ratio⁽²³⁾

Total risk-based capital ratio⁽²⁴⁾

Tangible common equity (“TCE”) ratio^{(25) (26)}

(Dollars in millions, except per share data) (unaudited)

Interest income:

Loans held for investment

Investment securities

Other

Total interest income

Interest expense:

Deposits

Securitized debt obligations

Senior and subordinated notes

Other borrowings

Total interest expense

Net interest income

Provision for credit losses

Net interest income after provision for credit losses

Non-interest income:

Service charges and other customer-related fees

Interchange fees, net

Net other-than-temporary impairment losses recognized in earnings

Bargain purchase gain⁽⁵⁾

Other⁽⁴⁾

Total non-interest income

Non-interest expense:

Salaries and associate benefits

Occupancy and equipment

Marketing

Professional services

Communications and data processing

Amortization of intangibles⁽⁷⁾

Merger-related expense⁽⁷⁾

Other

Total non-interest expense

Income from continuing operations before income taxes

Income tax provision

Income from continuing operations, net of tax

Loss from discontinued operations, net of tax⁽⁴⁾

Net income

Dividends and undistributed earnings allocated to participating securities⁽⁸⁾

Preferred stock dividends

Net income available to common stockholders

Basic earnings per common share:⁽⁸⁾

Income from continuing operations

Loss from discontinued operations

Net income per basic common share

Diluted earnings per common share:⁽⁸⁾

Income from continuing operations

Loss from discontinued operations

Net income per diluted common share

Weighted average common shares outstanding (in millions):⁽⁸⁾

Basic EPS

Diluted EPS

Dividends paid per common share

(Dollars in millions) (unaudited)

Assets:

Cash and due from banks

Interest-bearing deposits with banks

Federal funds sold and securities purchased under agreements to resell

Cash and cash equivalents

Restricted cash for securitization investors

Securities available for sale, at fair value

Loans held for investment:

Unsecuritized loans held for investment

Restricted loans for securitization investors

Total loans held for investment

Less: Allowance for loan and lease losses