Adjusted EPS Financial Overview

Non-GAAP measures - ROI (cont.) The calculation of ROA and ROI, along with a reconciliation of ROI to the calculation of ROA, is as follows: (Dollars in millions) CALCULATION OF RETURN ON ASSETS Apr 30, Jul 31, Trailing Twelve Months Ending Oct 31, Jan 31, Apr 30, 2022 2022 2022 2023 2023 Numerator Consolidated net income $ 13,232 $ 14,015 $ 9,116 $ 11,292 $ 11,085 Denominator Average total assets' Return on assets (ROA) $ 241,362 5.5 % $ 242,876 $ 246,254 5.8 % $ 244,029 $ 245,598 3.7 % 4.6 % 4.5 % Certain Balance Sheet Data April 30, 2021 Jul 31, 2021 Oct 31, 2021 Jan 31, 2022 April 30, 2022 Jul 31, 2022 Oct 31, 2022 Jan 31, April 30, 2023 2023 Total assets $ 236,581 $ 238,552 $ 244,851 $ 244,860 $ 246,142 Accumulated depreciation and amortization 96,334 98,346 Accounts payable 48,151 49,601 Accrued liabilities 21,371 23,915 100,168 57,156 24,474 102,211 104,295 $ 247,199 105,963 $ 247,656 $ 243,197 $ 245,053 107,628 110,286 113,164 55,261 52,926 54,191 57,263 53,742 54,268 26,060 21,061 23,843 27,443 31,126 27,527 1The average is based on the addition of the account balance at the end of the current period to the account balance at the end of the prior period and dividing by 2

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