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2006 Annual Report

Financial Review

 

I. Management's Discussion and Analysis of Financial Condition and Results of Operations

1.
Recent Events >>
2.
MBNA Merger Overview >>
3.
Economic Overview >>
4.
Performance Overview >>
5.
Financial Highlights >>
6.
Balance Sheet Analysis >>
7.
Supplemental Financial Data >>
8.
Business Segment Operations >>

a. Global Consumer and Small Business Banking >>

b. Global Corporate and Investment Banking >>

c. Global Wealth and Investment Management >>

d. All Other >>

9.
Off- and On-Balance Sheet Financing Entities >>
10.
Obligations and Commitments >>
11.
Managing Risk >>
12.
Strategic Risk Management >>
13.
Liquidity Risk and Capital Management >>
14.
Credit Risk Management >>

a. Consumer Portfolio Credit Risk Management >>

b. Commercial Portfolio Credit Risk Management >>

c. Foreign Portfolio >>

d. Provision for Credit Losses >>

e. Allowance for Credit Losses >>

15.
Market Risk Management >>

a. Trading Risk Management >>

b. Interest Rate Risk Management for
Nontrading Activities >>

c. Mortgage Banking Risk Management >>

16.
Operational Risk Management >>
17.
Recent Accounting and Reporting Developments >>
18.
Complex Accounting Estimates >>

II. Statistical Financial Information

1.
2005 Compared to 2004 >>

a. Overview >>

b. Business Segment Operations >>

2.
Statistical Tables >>

III. Reports of Management and Independent Accounting Firm

1.
Report of Management on Internal Control Over
Financial Reporting >>
2.
Report of Independent Registered Public Accounting Firm >>

IV. Consolidated Financial Statements and Notes

1.
Consolidated Statement of Income >>
2.
Consolidated Balance Sheet >>
3.
Consolidated Statement of Changes in
Shareholders' Equity >>
4.
Consolidated Statement of Cash Flows >>
5.
Notes to Consolidated Financial Statements >>
6.
Note 1 — Summary of Significant
Accounting Principles >>
7.
Note 2 — MBNA Merger and Restructuring Activity >>
8.
Note 3 — Trading Account Assets and Liabilities >>
9.
Note 4 — Derivatives >>
10.
Note 5 — Securities >>
11.
Note 6 — Outstanding Loans and Leases >>
12.
Note 7 — Allowance for Credit Losses >>
13.
Note 8 — Mortgage Servicing Rights >>
14.
Note 9 — Securitizations >>
15.
Note 10 — Goodwill and Intangible Assets >>
16.
Note 11 — Deposits >>
17.
Note 12 — Short-term Borrowings and
Long-term Debt >>
18.
Note 13 — Commitments and Contingencies >>
19.
Note 14 — Shareholders' Equity and Earnings
Per Common Share >>
20.
Note 15 — Regulatory Requirements
and Restrictions >>
21.
Note 16 — Employee Benefit Plans >>
22.
Note 17 — Stock-Based Compensation Plans >>
23.
Note 18 — Income Taxes >>
24.
Note 19 — Fair Value of Financial Instruments >>
25.
Note 20 — Business Segment Information >>
26.
Note 21 — Parent Company Information >>
27.
Note 22 — Performance by Geographical Area >>
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