Slide 1: 3Q26 Financial Results
© 2026 Wells Fargo Bank, N.A. All rights reserved. 3Q26 Financial Results October 13, 2026 Exhibit 99.3
Slide 2: Clear progress on path to improved financial results and returns
23Q26 Financial Results 14.7% 16.2% YTD25 YTD26 $13.8 $13.7 Revenue-related Expenses Non-revenue Related Expenses 3Q25 3Q26 211 194 Headcount 3Q25 3Q26 Clear progress on path to improved financial results and returns Earnings Per Share ($ per diluted share) $20.4 $21.4 $21.9 3Q24 3Q25 3Q26 Return on
Slide 3: ...driven by growth across all our businesses
33Q26 Financial Results $10.2 $10.7 3Q25 3Q26 $4.9 $5.0 3Q25 3Q26 $3.0 $3.2 3Q25 3Q26 $3.7 $4.1 3Q25 3Q26 ...driven by growth across all our businesses Consumer Banking and Lending Corporate and Investment Banking Wealth and Investment Management Commercial Banking Revenue is $ in billions. Comparis
Slide 4: 3Q26 results
43Q26 Financial Results 3Q26 results Financial Results ROE: 13.8% ROTCE: 16.3%1 Efficiency ratio: 63%2 Credit Quality Capital and Liquidity CET1 ratio: 10.0%5 LCR: 122%6 TLAC ratio: 23.0%7 • Provision for credit losses4 of $1.0 billion – Total net loan charge-offs of $983 million, up $41 million, wi
Slide 5: 3Q26 earnings
53Q26 Financial Results 3Q26 earnings Quarter ended $ Change from $ in millions, except per share data 3Q26 2Q26 3Q25 2Q26 3Q25 Net interest income $12,517 12,317 11,950 $200 567 Noninterest income 9,353 10,305 9,486 (952) (133) Total revenue 21,870 22,622 21,436 (752) 434 Net charge-offs 983 883 95
Slide 6: Net interest income
63Q26 Financial Results Net Interest Income ($ in millions) 11,950 12,331 12,096 12,317 12,517 Net Interest Margin (NIM) on a taxable-equivalent basis 3Q25 4Q25 1Q26 2Q26 3Q26 2.43% Net interest income • Net interest income (NII) of $12.5 billion, up $567 million, or 5%, from 3Q25 – NII excluding Ma
Slide 7: Loans and deposits
73Q26 Financial Results Loans and deposits • Average loans up $104.7 billion, or 11%, year-over-year (YoY) as higher commercial and industrial loans, auto loans, securities-based loans in Wealth and Investment Management (WIM), and credit card loans were partially offset by lower residential mortgag
Slide 8: Noninterest income
83Q26 Financial Results 9,486 8,961 9,350 10,305 9,353 1,030 973 862 1,481 525 1,223 1,149 1,138 1,222 1,274 840 716 796 939 894 1,408 979 1,351 1,393 1,109 1,674 1,684 1,712 1,762 1,835 3,311 3,460 3,491 3,508 3,716 Investment Advisory Fees and Brokerage Commissions Deposit and Lending-related Fees
Slide 9: Noninterest expense
93Q26 Financial Results 13,846 13,726 14,330 13,661 13,743 4,825 4,649 4,737 4,810 4,998 8,725 8,465 9,593 8,851 8,745 Personnel Expense Non-personnel Expense 3Q25 4Q25 1Q26 2Q26 3Q26 Noninterest expense • Noninterest expense down $103 million, or 1%, from 3Q25 – Personnel expense down $276 million
Slide 10: Credit quality
103Q26 Financial Results • Commercial net loan charge-offs up $125 million to 18 bps of average loans (annualized) on higher commercial real estate (CRE) and commercial and industrial net loan charge-offs • Consumer net loan charge-offs decreased $18 million to 70 bps of average loans (annualized) o
Slide 11: Capital and liquidity
113Q26 Financial Results Capital and liquidity Capital Position • Common Equity Tier 1 (CET1) ratio1 of 10.0% at September 30, 2026 – A decrease in accumulated other comprehensive income driven by the impact of higher interest rates reduced the CET1 ratio 38 bps from 2Q26 Capital Return • $2.5 billi
Slide 12: Consumer Banking and Lending (CBL)
123Q26 Financial Results • Total revenue up 5% YoY and up 4% from 2Q26 – CSBB up 7% YoY driven by higher deposit balances and wider deposit spreads, as well as higher deposit-related fees, investment advisory fees, and debit card fees on higher volume; up 4% from 2Q26 – Credit Card up 3% YoY and up
Slide 13: Commercial Banking (CB)
133Q26 Financial Results Commercial Banking (CB) • Total revenue up 6% YoY and up 4% from 2Q26 – Net interest income up 9% YoY and up 4% from 2Q26 on higher deposit and loan balances – Noninterest income up 1% YoY reflecting higher deposit-related fees and higher investment banking and markets fees,
Slide 14: Corporate and Investment Banking (CIB)
143Q26 Financial Results Corporate and Investment Banking (CIB) • Total revenue up 3% YoY and down 8% from 2Q26 – Banking revenue up 8% YoY driven by: ◦ Higher Investment Banking revenue reflecting higher investment grade Debt Capital Markets, Equity Capital Markets, and M&A advisory fees, partially
Slide 15: Wealth and Investment Management (WIM)
153Q26 Financial Results Wealth and Investment Management (WIM) Summary Financials $ in millions 3Q26 vs. 2Q26 vs. 3Q25 Net interest income $950 $31 99 Noninterest income 3,154 181 331 Total revenue 4,104 212 430 Provision for credit losses 16 (1) 30 Noninterest expense 3,286 126 273 Pre-tax income
Slide 16: Corporate
163Q26 Financial Results Corporate • Revenue decreased YoY on lower net interest income due to the impact of lower interest rates on crediting rates to our operating segments and lower noninterest income reflecting lower revenue from our venture capital investments and a decrease in lease income rel
Slide 17: Outlook
173Q26 Financial Results Outlook Net Interest Income Noninterest Expense • Expect 2026 net interest income (NII) to be +/- $50 billion, unchanged from prior guidance • Expect 4Q26 net interest income to be ~$13 billion Net interest income performance will ultimately be determined by a variety of fac
Slide 18: Endnotes
183Q26 Financial Results Endnotes Page 2 – Clear progress on path to improved financial results and returns 1. Tangible common equity and return on average tangible common equity (ROTCE) are non-GAAP financial measures. For additional information, including a corresponding reconciliation to GAAP fin
Slide 19: Endnotes (continued)
193Q26 Financial Results Page 6 – Net interest income 1. Includes taxable-equivalent adjustments predominantly related to tax-exempt income on certain loans and securities. 2. Net interest income excluding Markets is a non-GAAP financial measure. For additional information, including a corresponding
Slide 20: Net Interest Income Excluding Markets
203Q26 Financial Results Net Interest Income Excluding Markets Quarter ended Sep 30, 2026 % Change from ($ in millions) Sep 30, 2026 Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Jun 30, 2026 Sep 30, 2025 Net interest income $ 12,517 12,317 12,096 12,331 11,950 2 % 5 Markets net interest incom
Slide 21: Tangible Common Equity
213Q26 Financial Results Tangible Common Equity Wells Fargo & Company and Subsidiaries TANGIBLE COMMON EQUITY We also evaluate our business based on certain ratios that utilize tangible common equity. Tangible common equity is a non-GAAP financial measure and represents total equity less preferred e
Slide 22: Common Equity Tier 1 under Basel III
223Q26 Financial Results 1. The Basel III capital rules provide for two capital frameworks (the Standardized Approach and the Advanced Approach applicable to certain institutions), and we must calculate our CET1, Tier 1 capital and total capital ratios under both approaches. 2. Determined by applyin
Slide 23: Disclaimer and forward-looking statements
233Q26 Financial Results Disclaimer and forward-looking statements Financial results reported in this document are preliminary. Final financial results and other disclosures will be reported in our Quarterly Report on Form 10-Q for the quarter ended September 30, 2026, and may differ materially from