{
  "document_type": "earnings_report",
  "tools": [
    {
      "name": "getOverview",
      "description": "Wells Fargo 3Q25 실적 발표 문서의 전체 구조와 핵심 요약 정보를 반환합니다. 문서의 전반적인 내용을 파악하거나 주요 지표를 빠르게 확인할 때 사용하세요.",
      "params": [],
      "data": {
        "title": "Wells Fargo 3Q25 Earnings Presentation",
        "date": "October 14, 2025",
        "summary": "Wells Fargo 2025년 3분기 실적 발표. 순이익 $5.6B($1.66/주), 총수익 $21.4B(YoY +5%), NII $12.0B(YoY +2%), ROTCE 15.2%, CET1 비율 11.0%. 자산 한도(Asset Cap) 해제 이후 성장 모멘텀 지속. 중기 ROTCE 목표 17~18%로 상향.",
        "sections": [
          {
            "id": "firm_update",
            "title": "Firm Update",
            "pages": "2-11",
            "description": "회사 현황, 사업 구조, 비용 절감, 수익 다각화, 자산 한도 해제 이후 성장 지표"
          },
          {
            "id": "financial_results",
            "title": "3Q25 Financial Results",
            "pages": "12-21",
            "description": "3Q25 손익, NII, 대출/예금, 비이자수익, 비이자비용, 신용 품질, 자본/유동성"
          },
          {
            "id": "segment_results",
            "title": "Segment Results",
            "pages": "22-26",
            "description": "CBL, CB, CIB, WIM, Corporate 사업부별 실적"
          },
          {
            "id": "outlook",
            "title": "Outlook",
            "pages": "27",
            "description": "2025년 NII 및 비이자비용 가이던스"
          },
          {
            "id": "endnotes",
            "title": "Endnotes",
            "pages": "28+",
            "description": "각주 및 데이터 출처"
          }
        ],
        "key_numbers": [
          {
            "metric": "Net Income",
            "value": "$5,589M ($5.6B)",
            "unit": "millions"
          },
          {
            "metric": "Diluted EPS",
            "value": "$1.66",
            "unit": "per share"
          },
          {
            "metric": "Total Revenue",
            "value": "$21,436M",
            "unit": "millions",
            "yoy_change": "+5%"
          },
          {
            "metric": "Net Interest Income (NII)",
            "value": "$11,950M",
            "unit": "millions",
            "yoy_change": "+2%"
          },
          {
            "metric": "Noninterest Income",
            "value": "$9,486M",
            "unit": "millions",
            "yoy_change": "+9%"
          },
          {
            "metric": "Noninterest Expense",
            "value": "$13,846M",
            "unit": "millions",
            "yoy_change": "+6%"
          },
          {
            "metric": "Pre-tax Pre-provision Profit",
            "value": "$7,600M",
            "unit": "millions",
            "yoy_change": "+4%"
          },
          {
            "metric": "ROE",
            "value": "12.8%",
            "unit": "percent"
          },
          {
            "metric": "ROTCE",
            "value": "15.2%",
            "unit": "percent",
            "yoy_change": "+133bps"
          },
          {
            "metric": "Efficiency Ratio",
            "value": "65%",
            "unit": "percent"
          },
          {
            "metric": "CET1 Ratio (Standardized)",
            "value": "11.0%",
            "unit": "percent",
            "note": "Estimated"
          },
          {
            "metric": "Net Loan Charge-off Ratio",
            "value": "0.40%",
            "unit": "percent (annualized)"
          },
          {
            "metric": "ACL for Loans",
            "value": "$14,311M",
            "unit": "millions"
          },
          {
            "metric": "Average Loans",
            "value": "$928.7B",
            "unit": "billions",
            "yoy_change": "+2%"
          },
          {
            "metric": "Average Deposits",
            "value": "$1,339.9B",
            "unit": "billions"
          },
          {
            "metric": "LCR",
            "value": "121%",
            "unit": "percent"
          },
          {
            "metric": "TLAC Ratio",
            "value": "24.6%",
            "unit": "percent"
          },
          {
            "metric": "Share Repurchases (3Q25)",
            "value": "$6.1B / 74.6M shares",
            "unit": "billions"
          },
          {
            "metric": "Common Dividend",
            "value": "$0.45/share",
            "unit": "per share",
            "note": "up from $0.40 in 2Q25"
          }
        ],
        "medium_term_targets": {
          "ROTCE": "17-18%",
          "CET1_ratio": "10-10.5%"
        }
      }
    },
    {
      "name": "getSection",
      "description": "특정 섹션 또는 페이지의 상세 내용을 반환합니다. 섹션 ID 또는 페이지 번호로 조회하세요. 사용 가능한 섹션: firm_update, financial_results, segment_results, outlook, endnotes, 또는 페이지 번호(3~27).",
      "params": [
        {
          "name": "section",
          "type": "string",
          "description": "섹션 ID(예: firm_update, financial_results, segment_results, outlook) 또는 페이지 번호(예: '13', '27')",
          "required": true
        }
      ],
      "data": {
        "sections": [
          {
            "id": "firm_update",
            "title": "Firm Update",
            "pages": "2-11",
            "content": {
              "us_economy": {
                "page": 3,
                "title": "Wells Fargo is a U.S. focused bank",
                "us_gdp": "~$30T",
                "real_gdp_growth": "2.7% (3-year CAGR 2Q22-2Q25)",
                "market_cap": "~$67T (Wilshire 5000, 9/30/2025)",
                "new_business_formations": "5.2mm applications",
                "us_revenue_share": ">95% (2024)"
              },
              "business_scale": {
                "page": 4,
                "segments": [
                  {
                    "name": "CBL",
                    "revenue_2024": "$36B",
                    "avg_loans": "$325B",
                    "avg_deposits": "$775B",
                    "highlights": [
                      "#3 Deposit Share",
                      "4,108 Branches (#2 Rank)",
                      ">32MM Mobile Active Customers",
                      "~$50B Credit Card Loans"
                    ]
                  },
                  {
                    "name": "WIM",
                    "revenue_2024": "$15B",
                    "avg_loans": "$83B",
                    "avg_deposits": "$108B",
                    "highlights": [
                      ">$2T Client Assets (~$1T Advisory)",
                      "#3 Financial Advisors Among Large Bank Peers",
                      "#4 Wealth Client Assets"
                    ]
                  },
                  {
                    "name": "CIB",
                    "revenue_2024": "$19B",
                    "avg_loans": "$277B",
                    "avg_deposits": "$193B",
                    "highlights": [
                      "#2 U.S. C&I Loans",
                      "#6 U.S. Investment Banking Market Share",
                      "Relationships with >90% of S&P 500",
                      "#2 Bank CRE Loan Portfolio"
                    ]
                  },
                  {
                    "name": "CB",
                    "revenue_2024": "$13B",
                    "avg_loans": "$223B",
                    "avg_deposits": "$172B",
                    "highlights": [
                      "~1 in 5 Middle Market Companies Banked",
                      "20 years Average Client Relationship Tenure",
                      "#1 Left Lead Arranger for Middle Market Leveraged Loans"
                    ]
                  }
                ]
              },
              "business_simplification": {
                "page": 5,
                "sold_exited": [
                  "Institutional Retirement & Trust",
                  "Real estate investment banking business",
                  "Asset Management",
                  "Corporate Trust Services",
                  "Canadian Direct Equipment Finance",
                  "Student Lending portfolio",
                  "Norwest Equity Partners and Mezzanine Partners funds",
                  "Non-agency commercial mortgage servicing",
                  "Rail car leasing business (announced sale)",
                  "Direct auto lending (exited)",
                  "International wealth management (exited)",
                  "Correspondent channel in Home Lending (exited)"
                ],
                "total_businesses_sold_or_exited": 12
              },
              "fee_income_diversification": {
                "page": 6,
                "items": [
                  {
                    "category": "Card fees",
                    "value_2019": "$4.0B",
                    "value_2024": "$4.3B",
                    "ytd_2025_growth": "+6%",
                    "driver": "11 card launches since 2021"
                  },
                  {
                    "category": "Investment Banking fees",
                    "value_2019": "$1.8B",
                    "value_2024": "$2.7B",
                    "ytd_2025_growth": "+19%",
                    "driver": "Invested in senior talent"
                  },
                  {
                    "category": "Markets revenue",
                    "value_2019": "$4.8B",
                    "value_2024": "$6.9B",
                    "ytd_2025_growth": "+2%",
                    "driver": "Improved capabilities and infrastructure"
                  },
                  {
                    "category": "WIM fee income",
                    "value_2019": "$10.5B",
                    "value_2024": "$12.0B",
                    "ytd_2025_growth": "+5%",
                    "driver": "Reduced attrition through improved offerings and advisor experience"
                  },
                  {
                    "category": "Residential Mortgage Banking fees",
                    "value_2019": "$2.3B",
                    "value_2024": "$0.7B",
                    "ytd_2025_growth": "N/A",
                    "driver": "Focused primarily on existing banking and wealth management customers"
                  }
                ]
              },
              "expense_reduction": {
                "page": 7,
                "noninterest_expense": {
                  "2019": "$58.2B",
                  "2024": "$54.6B",
                  "change": "-6%"
                },
                "headcount": {
                  "2Q20": "276K",
                  "3Q25": "211K",
                  "change": "~-24%"
                },
                "professional_services": {
                  "2019": "$6.7B",
                  "2024": "$4.6B",
                  "change": "-31%"
                },
                "gross_expense_saves": {
                  "total_2021_2025E": "~$15B",
                  "by_year": {
                    "2021": "$4.2B",
                    "2022": "$3.3B",
                    "2023": "$2.4B",
                    "2024": "$2.4B",
                    "2025E": "~$2.4B"
                  }
                },
                "non_branch_real_estate": "-26% square feet (2019-2Q25)"
              },
              "asset_cap_removal_growth": {
                "page": 9,
                "consumer": {
                  "ytd_checking_account_opens": "+8% YoY",
                  "ytd_credit_card_new_accounts": "+9% YoY",
                  "ytd_net_investment_flows_wf_premier": "+47% YoY"
                },
                "commercial": {
                  "trading_related_assets": {
                    "4Q23": "$204B",
                    "3Q25": "$306B",
                    "change": "+50%"
                  },
                  "us_ib_market_share": {
                    "fy2024": "4.1%",
                    "ytd_2025": "4.4%",
                    "change": "+30bps"
                  }
                }
              },
              "rotce_targets": {
                "page": 10,
                "historical": {
                  "4Q20": "8%",
                  "2025_YTD": "15%"
                },
                "prior_target": "15%",
                "new_medium_term_target": "17-18%",
                "cet1_target": "10-10.5%",
                "drivers": [
                  "Realizing returns on investments and revenue growth",
                  "Incremental efficiencies",
                  "Completing Home Lending transformation",
                  "Improving segment profitability",
                  "Optimizing capital (CET1 to 10-10.5%)"
                ]
              },
              "transformation_summary": {
                "page": 11,
                "consent_orders_terminated": 13,
                "businesses_sold_or_exited": 12,
                "gross_expense_saves": "~$15B (2021-2025E)",
                "common_shares_reduction": "24%",
                "forward_priorities": [
                  "Maintain risk and control infrastructure",
                  "Grow revenue through franchise scale",
                  "Continue efficiency initiatives",
                  "Invest in Credit Card, Wealth Management, CIB",
                  "Capital optimization (CET1 to 10-10.5%)"
                ]
              }
            }
          },
          {
            "id": "financial_results",
            "title": "3Q25 Financial Results",
            "pages": "12-21",
            "content": {
              "summary": {
                "page": 13,
                "net_income": "$5.6B",
                "eps_diluted": "$1.66",
                "severance_impact": "$(296)M or $(0.07)/share",
                "total_revenue": "$21.4B (+5% YoY)",
                "nii": "$12.0B (+2% YoY)",
                "noninterest_income": "$9.5B (+9% YoY)",
                "noninterest_expense": "$13.8B (+6% YoY)",
                "pre_tax_pre_provision_profit": "$7.6B (+4% YoY)",
                "effective_tax_rate": "18.9%",
                "avg_loans": "$928.7B (+2% YoY)",
                "avg_deposits": "$1.3T (down slightly YoY)",
                "provision_for_credit_losses": "$681M",
                "net_loan_charge_offs": "$942M (0.40% annualized)",
                "acl_for_loans": "$14.3B (-3% YoY)",
                "cet1_ratio": "11.0% (Standardized, Estimated)",
                "lcr": "121%",
                "tlac_ratio": "24.6%"
              }
            }
          },
          {
            "id": "segment_results",
            "title": "Segment Results",
            "pages": "22-26",
            "content": "각 사업부 상세 내용은 getSegmentResults 도구를 사용하세요."
          },
          {
            "id": "outlook",
            "title": "Outlook (2025 Guidance)",
            "pages": "27",
            "content": "가이던스 상세 내용은 getGuidance 도구를 사용하세요."
          }
        ]
      }
    },
    {
      "name": "getFinancials",
      "description": "3Q25 손익계산서 주요 항목, 분기별 추이, 전년 동기 대비 변화를 반환합니다. NII, 비이자수익, 비이자비용, 순이익, EPS, ROE, ROTCE, 효율성 비율 등 재무 지표를 조회할 때 사용하세요.",
      "params": [
        {
          "name": "metric",
          "type": "string",
          "description": "조회할 지표. 예: 'nii'(순이자수익), 'noninterest_income'(비이자수익), 'noninterest_expense'(비이자비용), 'net_income'(순이익), 'eps'(주당순이익), 'rotce', 'roe', 'efficiency_ratio', 'provision', 'all'(전체)",
          "required": false
        }
      ],
      "data": {
        "income_statement": {
          "quarterly_trend": [
            {
              "period": "3Q24",
              "net_interest_income": 11690,
              "noninterest_income": 8676,
              "total_revenue": 20366,
              "net_charge_offs": 1111,
              "allowance_change": -46,
              "provision_for_credit_losses": 1065,
              "noninterest_expense": 13067,
              "pre_tax_income": 6234,
              "income_tax_expense": 1064,
              "effective_tax_rate_pct": 17.2,
              "net_income": 5114,
              "diluted_eps": 1.42,
              "diluted_avg_shares_mm": 3425.1,
              "roe_pct": 11.7,
              "rotce_pct": 13.9,
              "efficiency_ratio_pct": 64
            },
            {
              "period": "4Q24",
              "net_interest_income": 11836,
              "noninterest_income": 8542,
              "total_revenue": 20378,
              "net_charge_offs": 1095,
              "allowance_change": null,
              "provision_for_credit_losses": 1211,
              "noninterest_expense": 13900,
              "pre_tax_income": null,
              "income_tax_expense": null,
              "effective_tax_rate_pct": null,
              "net_income": null,
              "diluted_eps": null,
              "diluted_avg_shares_mm": null,
              "roe_pct": null,
              "rotce_pct": null,
              "efficiency_ratio_pct": null
            },
            {
              "period": "1Q25",
              "net_interest_income": 11495,
              "noninterest_income": 8654,
              "total_revenue": 20149,
              "net_charge_offs": 1009,
              "allowance_change": null,
              "provision_for_credit_losses": 932,
              "noninterest_expense": 13891,
              "pre_tax_income": null,
              "income_tax_expense": null,
              "effective_tax_rate_pct": null,
              "net_income": null,
              "diluted_eps": null,
              "diluted_avg_shares_mm": null,
              "roe_pct": null,
              "rotce_pct": null,
              "efficiency_ratio_pct": null
            },
            {
              "period": "2Q25",
              "net_interest_income": 11708,
              "noninterest_income": 9114,
              "total_revenue": 20822,
              "net_charge_offs": 997,
              "allowance_change": 8,
              "provision_for_credit_losses": 1005,
              "noninterest_expense": 13379,
              "pre_tax_income": 6438,
              "income_tax_expense": 916,
              "effective_tax_rate_pct": 14.3,
              "net_income": 5494,
              "diluted_eps": 1.6,
              "diluted_avg_shares_mm": 3267.0,
              "roe_pct": 12.8,
              "rotce_pct": 15.2,
              "efficiency_ratio_pct": 64
            },
            {
              "period": "3Q25",
              "net_interest_income": 11950,
              "noninterest_income": 9486,
              "total_revenue": 21436,
              "net_charge_offs": 954,
              "allowance_change": -273,
              "provision_for_credit_losses": 681,
              "noninterest_expense": 13846,
              "pre_tax_income": 6909,
              "income_tax_expense": 1300,
              "effective_tax_rate_pct": 18.9,
              "net_income": 5589,
              "diluted_eps": 1.66,
              "diluted_avg_shares_mm": 3223.5,
              "roe_pct": 12.8,
              "rotce_pct": 15.2,
              "efficiency_ratio_pct": 65
            }
          ],
          "yoy_changes_3q25_vs_3q24": {
            "net_interest_income": "+$260M (+2%)",
            "noninterest_income": "+$810M (+9%)",
            "total_revenue": "+$1,070M (+5%)",
            "provision_for_credit_losses": "-$384M",
            "noninterest_expense": "+$779M (+6%)",
            "net_income": "+$475M",
            "diluted_eps": "+$0.24",
            "rotce": "+133bps (13.9% → 15.2%)"
          },
          "nii_detail": {
            "quarterly_nim": [
              {
                "period": "3Q24",
                "nii_mm": 11690,
                "nim_pct": 2.67
              },
              {
                "period": "4Q24",
                "nii_mm": 11836,
                "nim_pct": 2.7
              },
              {
                "period": "1Q25",
                "nii_mm": 11495,
                "nim_pct": 2.67
              },
              {
                "period": "2Q25",
                "nii_mm": 11708,
                "nim_pct": 2.68
              },
              {
                "period": "3Q25",
                "nii_mm": 11950,
                "nim_pct": 2.61
              }
            ],
            "3q25_drivers_yoy": "Fixed rate asset repricing, improved Markets results, higher investment securities and loan balances; partially offset by deposit mix changes",
            "3q25_drivers_qoq": "One additional day in quarter, higher loan and investment securities balances, fixed rate asset repricing; partially offset by deposit mix changes",
            "nim_decline_note": "NIM down 7bps QoQ predominantly due to growth in lower-yielding Markets trading assets"
          },
          "noninterest_income_detail": {
            "by_category": [
              {
                "category": "Investment advisory fees & brokerage commissions",
                "3q24": 3109,
                "4q24": 3201,
                "1q25": 3174,
                "2q25": 3109,
                "3q25": 3311
              },
              {
                "category": "Deposit and lending-related fees",
                "3q24": 1675,
                "4q24": 1625,
                "1q25": 1633,
                "2q25": 1622,
                "3q25": 1674
              },
              {
                "category": "Net gains from trading activities",
                "3q24": 1438,
                "4q24": 950,
                "1q25": 1373,
                "2q25": 1270,
                "3q25": 1466
              },
              {
                "category": "Investment banking fees",
                "3q24": 672,
                "4q24": 725,
                "1q25": 775,
                "2q25": 696,
                "3q25": 840
              },
              {
                "category": "Card fees",
                "3q24": 1096,
                "4q24": 1084,
                "1q25": 1044,
                "2q25": 1173,
                "3q25": 1223
              },
              {
                "category": "All other",
                "3q24": 686,
                "4q24": 957,
                "1q25": 655,
                "2q25": 1244,
                "3q25": 972
              }
            ],
            "3q25_yoy_highlights": {
              "investment_advisory": "+$202M (+6%) – higher asset-based fees on higher market valuations",
              "investment_banking": "+$168M (+25%) – higher DCM, advisory, equity underwriting",
              "card_fees": "+$127M (+12%) – higher merchant processing, increased consumer credit card activity",
              "all_other": "+$286M – 3Q24 included $447M net losses from securities portfolio repositioning"
            }
          },
          "noninterest_expense_detail": {
            "by_category": [
              {
                "category": "Operating Losses",
                "3q24": 293,
                "4q24": 338,
                "1q25": 143,
                "2q25": 311,
                "3q25": 285
              },
              {
                "category": "Personnel Expense",
                "3q24": 8591,
                "4q24": 8424,
                "1q25": 9474,
                "2q25": 8709,
                "3q25": 8725
              },
              {
                "category": "Non-personnel Expense",
                "3q24": 4183,
                "4q24": 4491,
                "1q25": 4274,
                "2q25": 4359,
                "3q25": 4540
              }
            ],
            "severance": {
              "4q24": 647,
              "3q25": 296
            },
            "headcount_period_end_thousands": {
              "3q24": 220,
              "4q24": 218,
              "1q25": 215,
              "2q25": 213,
              "3q25": 211
            },
            "3q25_yoy_drivers": "Personnel +$430M (severance $296M + higher WIM revenue-related comp); Non-personnel +$357M (+9%, higher tech/equipment, advertising, professional services)"
          }
        }
      }
    },
    {
      "name": "getSegmentResults",
      "description": "Wells Fargo 4개 사업부(CBL, WIM, CIB, CB) 및 Corporate 부문의 3Q25 실적을 반환합니다. 사업부별 수익, 순이익, 자본수익률, 효율성 비율, 주요 운영 지표를 조회할 때 사용하세요.",
      "params": [
        {
          "name": "segment",
          "type": "string",
          "description": "조회할 사업부. 'CBL'(소비자금융), 'WIM'(자산관리), 'CIB'(기업투자금융), 'CB'(상업금융), 'Corporate', 'all'(전체)",
          "required": false
        }
      ],
      "data": {
        "segments": {
          "CBL": {
            "full_name": "Consumer Banking and Lending",
            "financials_mm": {
              "revenue_by_lob": {
                "CSBB": {
                  "3q25": 6567,
                  "vs_2q25": 279,
                  "vs_3q24": 345
                },
                "Home_Lending": {
                  "3q25": 870,
                  "vs_2q25": 49,
                  "vs_3q24": 28
                },
                "Credit_Card": {
                  "3q25": 1663,
                  "vs_2q25": 75,
                  "vs_3q24": 192
                },
                "Auto": {
                  "3q25": 256,
                  "vs_2q25": 15,
                  "vs_3q24": -17
                },
                "Personal_Lending": {
                  "3q25": 294,
                  "vs_2q25": 4,
                  "vs_3q24": -22
                }
              },
              "total_revenue": {
                "3q25": 9650,
                "vs_2q25": 422,
                "vs_3q24": 526
              },
              "provision_for_credit_losses": {
                "3q25": 767,
                "vs_2q25": -178,
                "vs_3q24": -163
              },
              "noninterest_expense": {
                "3q25": 5968,
                "vs_2q25": 169,
                "vs_3q24": 344
              },
              "pre_tax_income": {
                "3q25": 2915,
                "vs_2q25": 431,
                "vs_3q24": 345
              },
              "net_income": {
                "3q25": 2185,
                "vs_2q25": 322,
                "vs_3q24": 261
              }
            },
            "metrics": {
              "return_on_allocated_capital_pct": {
                "3q25": 18.5,
                "2q25": 15.9,
                "3q24": 16.3
              },
              "efficiency_ratio_pct": {
                "3q25": 62,
                "2q25": 63,
                "3q24": 62
              },
              "avg_loans_b": {
                "3q25": 325.3,
                "2q25": 315.4,
                "3q24": 323.6
              },
              "avg_deposits_b": {
                "3q25": 781.3,
                "2q25": 781.4,
                "3q24": 773.6
              },
              "retail_branches_period_end": {
                "3q25": 4108,
                "2q25": 4135,
                "3q24": 4196
              },
              "mobile_active_customers_mm": {
                "3q25": 32.5,
                "2q25": 32.1,
                "3q24": 31.2
              }
            },
            "operating_metrics": {
              "debit_card_purchase_volume_b": {
                "3q25": 133.6,
                "2q25": 133.6,
                "3q24": 126.8
              },
              "avg_home_lending_loans_b": {
                "3q25": 201.8,
                "2q25": 203.6,
                "3q24": 209.8
              },
              "mortgage_loan_originations_b": {
                "3q25": 7.0,
                "2q25": 7.4,
                "3q24": 5.5
              },
              "avg_credit_card_loans_b": {
                "3q25": 51.1,
                "2q25": 49.9,
                "3q24": 49.1
              },
              "credit_card_purchase_volume_b": {
                "3q25": 47.4,
                "2q25": 46.4,
                "3q24": 43.4
              },
              "credit_card_new_accounts_thousands": {
                "3q25": 914,
                "2q25": 643,
                "3q24": 615
              },
              "avg_auto_loans_b": {
                "3q25": 44.8,
                "2q25": 42.4,
                "3q24": 43.9
              },
              "auto_loan_originations_b": {
                "3q25": 8.8,
                "2q25": 6.9,
                "3q24": 4.1
              }
            },
            "commentary": "Total revenue up 6% YoY and up 5% from 2Q25. CSBB up 6% YoY on lower deposit pricing and higher balances. Credit Card up 13% YoY on higher loan balances and card fees. Auto down 6% YoY on loan spread compression."
          },
          "WIM": {
            "full_name": "Wealth and Investment Management",
            "financials_mm": {
              "net_interest_income": {
                "3q25": 974,
                "vs_2q25": 83,
                "vs_3q24": 132
              },
              "noninterest_income": {
                "3q25": 3222,
                "vs_2q25": 215,
                "vs_3q24": 186
              },
              "total_revenue": {
                "3q25": 4196,
                "vs_2q25": 298,
                "vs_3q24": 318
              },
              "provision_for_credit_losses": {
                "3q25": -14,
                "vs_2q25": -26,
                "vs_3q24": -30
              },
              "noninterest_expense": {
                "3q25": 3421,
                "vs_2q25": 176,
                "vs_3q24": 267
              },
              "pre_tax_income": {
                "3q25": 789,
                "vs_2q25": 148,
                "vs_3q24": 81
              },
              "net_income": {
                "3q25": 591,
                "vs_2q25": 111,
                "vs_3q24": 62
              }
            },
            "metrics": {
              "return_on_allocated_capital_pct": {
                "3q25": 35.1,
                "2q25": 28.7,
                "3q24": 31.5
              },
              "efficiency_ratio_pct": {
                "3q25": 82,
                "2q25": 83,
                "3q24": 81
              },
              "avg_loans_b": {
                "3q25": 86.2,
                "2q25": 84.9,
                "3q24": 82.8
              },
              "avg_deposits_b": {
                "3q25": 127.4,
                "2q25": 123.6,
                "3q24": 108.0
              },
              "client_assets_b": {
                "advisory_assets": {
                  "3q25": 1104,
                  "2q25": 1042,
                  "3q24": 993
                },
                "other_brokerage_and_deposits": {
                  "3q25": 1369,
                  "2q25": 1304,
                  "3q24": 1301
                },
                "total": {
                  "3q25": 2473,
                  "2q25": 2346,
                  "3q24": 2294
                }
              }
            },
            "commentary": "Total revenue up 8% YoY and up 8% from 2Q25. NII up 16% YoY on lower deposit pricing and higher balances. Noninterest income up 6% YoY on higher asset-based fees. Expense up 8% YoY on higher revenue-related compensation."
          },
          "CIB": {
            "full_name": "Corporate and Investment Banking",
            "financials_mm": {
              "revenue_by_lob": {
                "Banking_Lending": {
                  "3q25": 647,
                  "vs_2q25": 46,
                  "vs_3q24": -51
                },
                "Banking_Treasury_Management_Payments": {
                  "3q25": 630,
                  "vs_2q25": 19,
                  "vs_3q24": -65
                },
                "Banking_Investment_Banking": {
                  "3q25": 554,
                  "vs_2q25": 91,
                  "vs_3q24": 135
                },
                "Total_Banking": {
                  "3q25": 1831,
                  "vs_2q25": 156,
                  "vs_3q24": 19
                },
                "Commercial_Real_Estate": {
                  "3q25": 1186,
                  "vs_2q25": -26,
                  "vs_3q24": -178
                },
                "Markets_FICC": {
                  "3q25": 1355,
                  "vs_2q25": -36,
                  "vs_3q24": 28
                },
                "Markets_Equities": {
                  "3q25": 450,
                  "vs_2q25": 63,
                  "vs_3q24": 54
                },
                "Markets_CVA_DVA_FVA_Other": {
                  "3q25": 48,
                  "vs_2q25": 47,
                  "vs_3q24": 17
                },
                "Total_Markets": {
                  "3q25": 1853,
                  "vs_2q25": 74,
                  "vs_3q24": 99
                },
                "Other": {
                  "3q25": 9,
                  "vs_2q25": 2,
                  "vs_3q24": 28
                }
              },
              "total_revenue": {
                "3q25": 4879,
                "vs_2q25": 206,
                "vs_3q24": -32
              },
              "provision_for_credit_losses": {
                "3q25": -107,
                "vs_2q25": -210,
                "vs_3q24": -133
              },
              "noninterest_expense": {
                "3q25": 2362,
                "vs_2q25": 111,
                "vs_3q24": 133
              },
              "pre_tax_income": {
                "3q25": 2624,
                "vs_2q25": 305,
                "vs_3q24": -32
              },
              "net_income": {
                "3q25": 1966,
                "vs_2q25": 229,
                "vs_3q24": -26
              }
            },
            "metrics": {
              "return_on_allocated_capital_pct": {
                "3q25": 16.8,
                "2q25": 14.9,
                "3q24": 17.1
              },
              "efficiency_ratio_pct": {
                "3q25": 48,
                "2q25": 48,
                "3q24": 45
              }
            },
            "avg_balances_b": {
              "loans_banking": {
                "3q25": 92.8,
                "2q25": 89.0,
                "3q24": 86.5
              },
              "loans_cre": {
                "3q25": 117.1,
                "2q25": 117.9,
                "3q24": 124.1
              },
              "loans_markets": {
                "3q25": 86.0,
                "2q25": 79.0,
                "3q24": 64.6
              },
              "total_loans": {
                "3q25": 295.9,
                "2q25": 285.9,
                "3q24": 275.2
              },
              "deposits": {
                "3q25": 204.1,
                "2q25": 202.4,
                "3q24": 194.3
              },
              "trading_related_assets": {
                "3q25": 306.4,
                "2q25": 274.6,
                "3q24": 234.2
              }
            },
            "commentary": "Total revenue down 1% YoY and up 4% from 2Q25. Banking up 1% YoY on higher IB revenue. CRE down 13% YoY on lower loan balances and rates. Markets up 6% YoY on equities, commodities, FX, credit products."
          },
          "CB": {
            "full_name": "Commercial Banking",
            "financials_mm": {
              "net_interest_income": {
                "3q25": 1949,
                "vs_2q25": -34,
                "vs_3q24": -340
              },
              "noninterest_income": {
                "3q25": 1092,
                "vs_2q25": 142,
                "vs_3q24": 48
              },
              "total_revenue": {
                "3q25": 3041,
                "vs_2q25": 108,
                "vs_3q24": -292
              },
              "provision_for_credit_losses": {
                "3q25": 39,
                "vs_2q25": 82,
                "vs_3q24": -46
              },
              "noninterest_expense": {
                "3q25": 1445,
                "vs_2q25": -74,
                "vs_3q24": -35
              },
              "pre_tax_income": {
                "3q25": 1557,
                "vs_2q25": 100,
                "vs_3q24": -211
              },
              "net_income": {
                "3q25": 1162,
                "vs_2q25": 76,
                "vs_3q24": -156
              }
            },
            "metrics": {
              "return_on_allocated_capital_pct": {
                "3q25": 16.8,
                "2q25": 15.8,
                "3q24": 19.2
              },
              "efficiency_ratio_pct": {
                "3q25": 48,
                "2q25": 52,
                "3q24": 44
              },
              "avg_loans_b": {
                "3q25": 219.4,
                "2q25": 226.5,
                "3q24": 222.1
              },
              "avg_deposits_b": {
                "3q25": 172.0,
                "2q25": 178.0,
                "3q24": 173.2
              }
            },
            "commentary": "Total revenue down 9% YoY on lower NII (lower rates, lower balances). Noninterest income up 5% YoY on higher tax credit and equity investment revenue. Expense down 2% YoY on efficiency initiatives."
          },
          "Corporate": {
            "full_name": "Corporate",
            "financials_mm": {
              "net_interest_income": {
                "3q25": -273,
                "vs_2q25": -170,
                "vs_3q24": 142
              },
              "noninterest_income": {
                "3q25": 449,
                "vs_2q25": -213,
                "vs_3q24": 371
              },
              "total_revenue": {
                "3q25": 176,
                "vs_2q25": -383,
                "vs_3q24": 513
              },
              "provision_for_credit_losses": {
                "3q25": -4,
                "vs_2q25": 8,
                "vs_3q24": -12
              },
              "noninterest_expense": {
                "3q25": 650,
                "vs_2q25": 85,
                "vs_3q24": 70
              },
              "pre_tax_loss": {
                "3q25": -470,
                "vs_2q25": -476,
                "vs_3q24": 455
              },
              "income_tax_benefit": {
                "3q25": -173,
                "vs_2q25": 175,
                "vs_3q24": 157
              },
              "net_income_from_noncontrolling_interests": {
                "3q25": 18,
                "vs_2q25": -8,
                "vs_3q24": -36
              },
              "net_loss": {
                "3q25": -315,
                "vs_2q25": -643,
                "vs_3q24": 334
              }
            },
            "commentary": "Revenue increased YoY as 3Q24 included $447M net losses on debt securities from portfolio repositioning. Expense up YoY on higher severance, partially offset by lower operating losses."
          }
        },
        "segment_comparison_3q25": {
          "net_income_mm": {
            "CBL": 2185,
            "WIM": 591,
            "CIB": 1966,
            "CB": 1162,
            "Corporate": -315
          },
          "total_revenue_mm": {
            "CBL": 9650,
            "WIM": 4196,
            "CIB": 4879,
            "CB": 3041,
            "Corporate": 176
          },
          "return_on_allocated_capital_pct": {
            "CBL": 18.5,
            "WIM": 35.1,
            "CIB": 16.8,
            "CB": 16.8
          },
          "efficiency_ratio_pct": {
            "CBL": 62,
            "WIM": 82,
            "CIB": 48,
            "CB": 48
          }
        }
      }
    },
    {
      "name": "getCreditQuality",
      "description": "Wells Fargo 3Q25 신용 품질 지표를 반환합니다. 순대출 상각률(NCO), 대손충당금(ACL), 부실대출(nonaccrual), CRE 오피스 익스포저 등 신용 리스크 관련 데이터를 조회할 때 사용하세요.",
      "params": [
        {
          "name": "category",
          "type": "string",
          "description": "조회 카테고리. 'nco'(순대출상각), 'acl'(대손충당금), 'cre'(상업용부동산), 'all'(전체)",
          "required": false
        }
      ],
      "data": {
        "net_loan_charge_offs": {
          "quarterly_trend": [
            {
              "period": "3Q24",
              "provision_mm": 1065,
              "nco_mm": 1111,
              "nco_ratio_pct": 0.49
            },
            {
              "period": "4Q24",
              "provision_mm": 1211,
              "nco_mm": 1095,
              "nco_ratio_pct": 0.53
            },
            {
              "period": "1Q25",
              "provision_mm": 932,
              "nco_mm": 1009,
              "nco_ratio_pct": 0.45
            },
            {
              "period": "2Q25",
              "provision_mm": 1005,
              "nco_mm": 997,
              "nco_ratio_pct": 0.44
            },
            {
              "period": "3Q25",
              "provision_mm": 681,
              "nco_mm": 942,
              "nco_ratio_pct": 0.4
            }
          ],
          "3q25_detail": {
            "commercial_nco_bps": 18,
            "commercial_nco_change_vs_2q25": "+$3M",
            "cre_nco_mm": 107,
            "cre_nco_bps": 32,
            "cre_nco_change_vs_2q25": "+$46M",
            "consumer_nco_bps": 73,
            "consumer_nco_change_vs_2q25": "-$58M",
            "consumer_drivers": "Lower credit card and residential mortgage NCOs, partially offset by higher auto NCOs"
          }
        },
        "allowance_for_credit_losses": {
          "quarterly_trend": [
            {
              "period": "3Q24",
              "commercial_mm": 8092,
              "consumer_mm": 6647,
              "total_mm": 14739,
              "coverage_pct": 1.62
            },
            {
              "period": "4Q24",
              "commercial_mm": 7946,
              "consumer_mm": 6690,
              "total_mm": 14636,
              "coverage_pct": 1.6
            },
            {
              "period": "1Q25",
              "commercial_mm": 7930,
              "consumer_mm": 6622,
              "total_mm": 14552,
              "coverage_pct": 1.59
            },
            {
              "period": "2Q25",
              "commercial_mm": 7835,
              "consumer_mm": 6733,
              "total_mm": 14568,
              "coverage_pct": 1.58
            },
            {
              "period": "3Q25",
              "commercial_mm": 7552,
              "consumer_mm": 6759,
              "total_mm": 14311,
              "coverage_pct": 1.52
            }
          ],
          "3q25_change_drivers": "Down $257M reflecting improved credit performance and lower CRE loan balances, partially offset by higher C&I, auto, and credit card loan balances"
        },
        "cre_office_exposure": {
          "as_of": "September 30, 2025",
          "cib_cre_office": {
            "acl_mm": 1565,
            "loans_outstanding_mm": 14482,
            "acl_pct_of_loans": 10.8,
            "nonaccrual_loans_mm": 2303,
            "prior_quarter_acl_pct": 11.1
          },
          "all_other_cre_office": {
            "acl_mm": 215,
            "loans_outstanding_mm": 9188,
            "acl_pct_of_loans": 2.3,
            "nonaccrual_loans_mm": 147
          },
          "total_cre_office": {
            "acl_mm": 1780,
            "loans_outstanding_mm": 23670,
            "acl_pct_of_loans": 7.5,
            "nonaccrual_loans_mm": 2450,
            "prior_quarter_acl_pct": 7.9
          },
          "all_other_cre": {
            "acl_mm": 1185,
            "loans_outstanding_mm": 106580,
            "acl_pct_of_loans": 1.1,
            "nonaccrual_loans_mm": 884
          },
          "total_cre": {
            "acl_mm": 2965,
            "loans_outstanding_mm": 130250,
            "acl_pct_of_loans": 2.3,
            "nonaccrual_loans_mm": 3334
          },
          "cre_nonaccrual_trend": "CRE nonaccrual loans $3.3B, down $222M (-6%) QoQ; CRE office nonaccrual down $82M as payoffs/paydowns outpaced migration to nonaccrual"
        },
        "nonperforming_assets": {
          "3q25_mm": 7800,
          "change_vs_2q25": "-$132M (-2%)",
          "driver": "Decline in CRE nonaccrual loans"
        }
      }
    },
    {
      "name": "getCapitalAndLiquidity",
      "description": "Wells Fargo 3Q25 자본 및 유동성 지표를 반환합니다. CET1 비율, 자사주 매입, 배당, TLAC, LCR 등 자본 건전성 및 주주환원 관련 데이터를 조회할 때 사용하세요.",
      "params": [
        {
          "name": "category",
          "type": "string",
          "description": "조회 카테고리. 'capital_ratios'(자본비율), 'capital_return'(주주환원), 'liquidity'(유동성), 'all'(전체)",
          "required": false
        }
      ],
      "data": {
        "capital_ratios": {
          "cet1_standardized": {
            "quarterly_trend": [
              {
                "period": "3Q24",
                "cet1_pct": 11.3
              },
              {
                "period": "4Q24",
                "cet1_pct": 11.1
              },
              {
                "period": "1Q25",
                "cet1_pct": 11.1
              },
              {
                "period": "2Q25",
                "cet1_pct": 11.1
              },
              {
                "period": "3Q25",
                "cet1_pct": 11.0,
                "note": "Estimated"
              }
            ],
            "3q25_cet1_capital_b": 136.6,
            "change_vs_3q24": "-36bps",
            "change_vs_2q25": "-15bps"
          },
          "regulatory_minimums": {
            "effective_date": "October 1, 2025",
            "cet1_minimum_and_buffers_pct": 8.5,
            "stress_capital_buffer_pct": 2.5,
            "note": "SCB decreased to 2.5% as of 10/1/25, resulting in CET1 regulatory minimum and buffers of 8.5%"
          },
          "medium_term_target": "10-10.5% CET1 ratio",
          "tlac": {
            "tlac_pct_of_rwa": 24.6,
            "required_minimum_pct": 21.5,
            "as_of": "September 30, 2025"
          }
        },
        "capital_return": {
          "3q25": {
            "share_repurchases_b": 6.1,
            "shares_repurchased_mm": 74.6,
            "common_dividend_per_share": 0.45,
            "prior_quarter_dividend": 0.4,
            "common_dividends_paid_b": 1.4
          },
          "shares_outstanding": {
            "period_end_change_vs_3q24": "-196.6M shares (-6%)"
          },
          "cumulative_share_reduction": "24% reduction in common shares outstanding (since transformation began)"
        },
        "liquidity": {
          "lcr_pct": 121,
          "lcr_regulatory_minimum_pct": 100,
          "description": "Strong liquidity position, remained above regulatory minimum of 100%"
        },
        "loans_and_deposits": {
          "avg_loans_b": {
            "quarterly": [
              {
                "period": "3Q24",
                "consumer": 379.6,
                "commercial": 530.6,
                "total": 910.3,
                "avg_loan_yield_pct": 6.41
              },
              {
                "period": "4Q24",
                "consumer": 378.1,
                "commercial": 528.3,
                "total": 906.4,
                "avg_loan_yield_pct": 6.16
              },
              {
                "period": "1Q25",
                "consumer": 375.0,
                "commercial": 533.2,
                "total": 908.2,
                "avg_loan_yield_pct": 5.96
              },
              {
                "period": "2Q25",
                "consumer": 373.4,
                "commercial": 543.3,
                "total": 916.7,
                "avg_loan_yield_pct": 5.95
              },
              {
                "period": "3Q25",
                "consumer": 376.3,
                "commercial": 552.4,
                "total": 928.7,
                "avg_loan_yield_pct": 5.97
              }
            ]
          },
          "period_end_loans_b": {
            "3q25": {
              "commercial": 563.5,
              "consumer": 379.6,
              "total": 943.1
            },
            "vs_2q25": {
              "commercial": "+2%",
              "consumer": "+1%",
              "total": "+2%"
            },
            "vs_3q24": {
              "commercial": "+6%",
              "consumer": "flat",
              "total": "+4%"
            }
          },
          "avg_deposits_b": {
            "quarterly": [
              {
                "period": "3Q24",
                "CBL": 773.6,
                "CB": 173.2,
                "CIB": 194.3,
                "WIM": 108.0,
                "Corporate": 92.6,
                "total": 1341.7
              },
              {
                "period": "4Q24",
                "CBL": 773.6,
                "CB": 184.3,
                "CIB": 205.1,
                "WIM": 118.3,
                "Corporate": 72.5,
                "total": 1353.8
              },
              {
                "period": "1Q25",
                "CBL": 778.6,
                "CB": 182.9,
                "CIB": 203.9,
                "WIM": 123.4,
                "Corporate": 50.5,
                "total": 1339.3
              },
              {
                "period": "2Q25",
                "CBL": 781.4,
                "CB": 178.0,
                "CIB": 202.4,
                "WIM": 123.6,
                "Corporate": 46.3,
                "total": 1331.7
              },
              {
                "period": "3Q25",
                "CBL": 781.3,
                "CB": 172.0,
                "CIB": 204.1,
                "WIM": 127.4,
                "Corporate": 55.1,
                "total": 1339.9
              }
            ]
          },
          "period_end_deposits_b": {
            "3q25": {
              "CBL": 782.3,
              "CB": 176.9,
              "CIB": 211.1,
              "WIM": 132.7,
              "Corporate": 64.4,
              "total": 1367.4
            },
            "vs_2q25_total": "+2%",
            "vs_3q24_total": "+1%",
            "avg_deposit_cost_pct": {
              "3q25": 1.54,
              "vs_2q25": "+0.02",
              "vs_3q24": "-0.37"
            }
          }
        }
      }
    },
    {
      "name": "getGuidance",
      "description": "Wells Fargo 2025년 연간 및 4Q25 가이던스를 반환합니다. NII(순이자수익) 및 비이자비용 전망, 가이던스 변경 내역, 주요 불확실성 요인을 조회할 때 사용하세요.",
      "params": [],
      "data": {
        "full_year_2025": {
          "net_interest_income": {
            "guidance": "~$47.7B",
            "change_from_prior": "Unchanged",
            "prior_guidance": "~$47.7B (roughly in line with 2024 NII of $47.7B)",
            "key_uncertainties": [
              "Absolute level of interest rates and yield curve shape",
              "Deposit balances, mix and pricing",
              "Loan demand"
            ]
          },
          "noninterest_expense": {
            "guidance": "~$54.6B",
            "change_from_prior": "Up from ~$54.2B",
            "increase_drivers": [
              {
                "item": "Higher severance expense",
                "amount": "~$200M"
              },
              {
                "item": "Higher revenue-related compensation expense (predominantly WIM)",
                "amount": "~$200M",
                "driver": "Strong market performance in 2H 2025"
              }
            ]
          }
        },
        "4q25_outlook": {
          "net_interest_income": "~$12.4B–$12.5B",
          "noninterest_expense": "~$13.5B"
        },
        "medium_term_targets": {
          "ROTCE": "17-18%",
          "CET1_ratio": "10-10.5%",
          "drivers": [
            "Realizing returns on investments and capitalizing on revenue growth opportunities",
            "Incremental efficiencies across all businesses and functions",
            "Completing transformation and simplification of Home Lending",
            "Improving profitability across operating segments",
            "Optimizing capital (managing CET1 down to 10-10.5%)"
          ],
          "caveats": "ROTCE performance and capital levels will ultimately be determined by macroeconomic factors (interest rates) and the evolving regulatory landscape"
        },
        "historical_reference": {
          "2024_actual_nii": "$47.7B",
          "2024_actual_noninterest_expense": "$54.6B",
          "2025_ytd_rotce": "15%",
          "prior_rotce_target": "15%"
        }
      }
    }
  ],
  "verify": {
    "manifest_url": "https://febyeji.github.io/feat-surface/verify.json",
    "how": "Fetch verify.json, find this document by ID, compare SHA-256 hashes of webmcp/*.json files."
  }
}