| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 |
|--------|---------|---------|---------|---------|---------|---------|---------|---------|
| Clients' Daily Average Trades [thousands] | **5,389** **[0000316709-23-000004_a4q22exhibit991_12312022.htm:7]** | **5,895** **[0000316709-23-000026_schw-20230331.htm:17]** | **5,272** **[0000316709-23-000033_a2q23exhibit991_063023.htm:7]** | **5,218** **[0000316709-23-000047_a3q23exhibit991_093023.htm:7]** | **5,192** **[0000316709-24-000011_a4q23exhibit991.htm:7]** | **5,958** **[0000316709-24-000044_schw-20240331.htm:17]** | **5,486** **[0000316709-24-000056_a2q24exhibit991.htm:5]** | **5,697** **[0000316709-24-000066_a3q24exhibit991.htm:5]** |
| New Brokerage Accounts [thousands] | **931** **[0000316709-23-000004_a4q22exhibit991_12312022.htm:11]** | **1,042** **[0000316709-23-000026_schw-20230331.htm:5]** | **960** **[0000316709-23-000037_schw-20230630.htm:7]** | **894** **[0000316709-23-000062_schw-20230930.htm:7]** | **910** **[0000316709-24-000011_a4q23exhibit991.htm:11]** | **1,100** **[0000316709-24-000044_schw-20240331.htm:7]** | **985** **[0000316709-24-000060_schw-20240630.htm:8]** | **972** **[0000316709-24-000069_schw-20240930.htm:8]** |
| Active Brokerage Accounts [millions] | **33.8** **[0000316709-23-000009_schw-20221231.htm:3]** | **34.12** **[0000316709-23-000026_schw-20230331.htm:5]** | **34.4** **[0000316709-23-000037_schw-20230630.htm:7]** | **34.5** **[0000316709-23-000062_schw-20230930.htm:7]** | **34.8** **[0000316709-24-000018_schw-20231231.htm:59]** | **35.3** **[0000316709-24-000041_a1q24exhibit991.htm:1]** | **35.6** **[0000316709-24-000056_a2q24exhibit991.htm:1]** | **36.0** **[0000316709-24-000066_a3q24exhibit991.htm:1]** |
| Assets Receiving Ongoing Advisory Services [billion $] | **3,673.2** **[0000316709-23-000009_schw-20221231.htm:57]** | **3,895.5** **[0000316709-23-000026_schw-20230331.htm:5]** | **4,075.3** **[0000316709-23-000037_schw-20230630.htm:5]** | **3,981.0** **[0000316709-23-000062_schw-20230930.htm:5]** | **4,338.8** **[0000316709-24-000018_schw-20231231.htm:57]** | **4,628.0** **[0000316709-24-000044_schw-20240331.htm:6]** | **4,722.9** **[0000316709-24-000060_schw-20240630.htm:6]** | **5,018.9** **[0000316709-24-000069_schw-20240930.htm:6]** |
| Client Cash as a Percentage of Client Assets [%] | **12.3** **[0000316709-23-000004_a4q22exhibit991_12312022.htm:13]** | **11.6** **[0000316709-23-000026_schw-20230331.htm:5]** | **10.5** **[0000316709-23-000037_schw-20230630.htm:5]** | **10.8** **[0000316709-23-000062_schw-20230930.htm:5]** | **10.5** **[0000316709-24-000011_a4q23exhibit991.htm:13]** | **10.0** **[0000316709-24-000044_schw-20240331.htm:6]** | **9.7** **[0000316709-24-000060_schw-20240630.htm:6]** | **9.5** **[0000316709-24-000069_schw-20240930.htm:6]** |
| Revenue per Trade [$] | **2.66** **[0000316709-23-000004_a4q22exhibit991_12312022.htm:7]** | **2.44** **[0000316709-23-000026_schw-20230331.htm:17]** | **2.46** **[0000316709-23-000037_schw-20230630.htm:21]** | **2.35** **[0000316709-23-000047_a3q23exhibit991_093023.htm:8]** | **2.36** **[0000316709-24-000011_a4q23exhibit991.htm:7]** | **2.25** **[0000316709-24-000044_schw-20240331.htm:17]** | **2.25** **[0000316709-24-000060_schw-20240630.htm:18]** | **2.20** **[0000316709-24-000069_schw-20240930.htm:19]** |
| BDA Balances [billion $] | **126.6** **[0000316709-23-000004_a4q22exhibit991_12312022.htm:1]** | **106.5** **[0000316709-23-000026_schw-20230331.htm:7]** | **102.7** **[0000316709-23-000037_schw-20230630.htm:7]** | **99.6** **[0000316709-23-000062_schw-20230930.htm:7]** | **97.4** **[0000316709-24-000011_a4q23exhibit991.htm:11]** | **92.859** **[0000316709-24-000044_schw-20240331.htm:18]** | **84.5** **[0000316709-24-000060_schw-20240630.htm:8]** | **84.0** **[0000316709-24-000069_schw-20240930.htm:8]** |
| CSB Purchased First Mortgages [million $] | N/A | **723** **[0000316709-23-000026_schw-20230331.htm:59]** | **854** **[0000316709-23-000037_schw-20230630.htm:73]** | **765** **[0000316709-23-000062_schw-20230930.htm:74]** | N/A | **680** **[0000316709-24-000044_schw-20240331.htm:61]** | **851** **[0000316709-24-000060_schw-20240630.htm:68]** | **1,100** **[0000316709-24-000069_schw-20240930.htm:68]** |
| Bank Deposit Account Fees [million $] | **350** **[0000316709-23-000004_a4q22exhibit991_12312022.htm:7]** | **151** **[0000316709-23-000026_schw-20230331.htm:7]** | **175** **[0000316709-23-000037_schw-20230630.htm:22]** | **205** **[0000316709-23-000062_schw-20230930.htm:24]** | **174** **[0000316709-24-000011_a4q23exhibit991.htm:7]** | **183** **[0000316709-24-000044_schw-20240331.htm:18]** | **153** **[0000316709-24-000060_schw-20240630.htm:19]** | **152** **[0000316709-24-000069_schw-20240930.htm:20]** |
| Average Net Yield [%] | N/A | **0.52** **[0000316709-23-000026_schw-20230331.htm:18]** | **0.67** **[0000316709-23-000037_schw-20230630.htm:22]** | **0.79** **[0000316709-23-000062_schw-20230930.htm:24]** | N/A | **0.78** **[0000316709-24-000044_schw-20240331.htm:18]** | **0.70** **[0000316709-24-000060_schw-20240630.htm:19]** | **0.72** **[0000316709-24-000069_schw-20240930.htm:20]** |
| HELOCs Converted to Amortizing Loans [million $] | **13** **[0000316709-23-000009_schw-20221231.htm:143]** | **7** **[0000316709-23-000026_schw-20230331.htm:54]** | **11** **[0000316709-23-000037_schw-20230630.htm:69]** | **176** **[0000316709-23-000062_schw-20230930.htm:70]** | N/A | **156** **[0000316709-24-000044_schw-20240331.htm:55]** | **147** **[0000316709-24-000060_schw-20240630.htm:61]** | **143** **[0000316709-24-000069_schw-20240930.htm:59]** |
| HELOCs Secured by Second Liens [million $] | **460** **[0000316709-23-000009_schw-20221231.htm:144]** | **435** **[0000316709-23-000026_schw-20230331.htm:55]** | **404** **[0000316709-23-000037_schw-20230630.htm:69]** | **389** **[0000316709-23-000062_schw-20230930.htm:70]** | **379** **[0000316709-24-000018_schw-20231231.htm:160]** | **360** **[0000316709-24-000044_schw-20240331.htm:55]** | **352** **[0000316709-24-000060_schw-20240630.htm:61]** | **344** **[0000316709-24-000069_schw-20240930.htm:61]** |

4c470d60d0f69345ed9f87a5a43543e79b91a0c60fce276b647bfb2661c8b24d

c07728ee88067f52958b089357b1f748c796ba799dc85c3a8e66d9882d77414a

Adjustments for Non-Cash Items (USD, M)

Stock-Based Compensation (USD, M)

Changes in Working Capital (USD, M)

Capital Expenditures (CapEx) (USD, M)

Proceeds from Debt (USD, M)

Repayments of Debt (USD, M)

Share Repurchases (USD, M)

Dividend Payments (USD, M)

Net Change in Cash (USD, M)

8ffd33a7115d216d3cadc3753ddcd6845ef791618c51f4d9c035c0844be80fcf

The Charles Schwab Corporation (CSC) is a savings and loan holding company that operates through its subsidiaries to provide a wide range of financial services, including wealth management, securities brokerage, banking, asset management, custody, and financial advisory services **[0000316709-24-000018_schw-20231231.htm:3]**. Schwab's business is divided into two main segments: Investor Services and Advisor Services, offering products such as brokerage accounts, mutual funds, exchange-traded funds (ETFs), advice solutions, alternative investments, banking products, and trust services **[0000316709-24-000069_schw-20240930.htm:2]** **[0000316709-24-000018_schw-20231231.htm:7]**. The company's largest sources of net revenues are net interest revenue, asset management and administration fees, trading revenue, and bank deposit account fees **[0000316709-24-000018_schw-20231231.htm:13]**.

1. **Net Interest Revenue** - Generated from interest-earning assets such as high-quality fixed income securities, margin loans, and bank loans, funded by uninvested client cash balances.
2. **Asset Management and Administration Fees** - Collected from managing and administering client assets, including mutual funds and ETFs.
3. **Trading Revenue** - Earned from facilitating securities transactions for clients.
4. **Bank Deposit Account Fees** - Charged for maintaining client bank deposit accounts.
5. **Investor Services** - Offers retail brokerage, investment advisory, banking, and trust services to individual investors, as well as retirement plan services and corporate brokerage services to businesses and their employees.
6. **Advisor Services** - Provides custodial, trading, banking, trust, and support services to independent registered investment advisors (RIAs), independent retirement advisors, and recordkeepers.
7. **Brokerage Accounts** - Offers platforms for clients to buy and sell securities.
8. **Mutual Funds and ETFs** - Provides a range of investment funds for clients to diversify their portfolios.
9. **Advice Solutions** - Delivers personalized investment advice and planning services.
10. **Alternative Investments** - Offers investment options outside of traditional stocks and bonds.
11. **Banking Products** - Includes a variety of banking services such as loans and deposit accounts.
12. **Trust Services** - Provides trust administration and management services for clients.

ecf958bf954b73b750b6f99320fb1036e66bbdd7751fb9e5fd9704937f4b5c0a

| Metric [USD Million] | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 |
|----------------------|---------|---------|---------|---------|---------|---------|---------|---------|
| **Net Interest Revenue** | **3,029**  **[0000316709-23-000004_a4q22exhibit991_12312022.htm:7]**  | **2,770**  **[0000316709-23-000026_schw-20230331.htm:22]** **[0000316709-23-000026_schw-20230331.htm:12]**  | **2,290**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **2,237**  **[0000316709-23-000062_schw-20230930.htm:15]**  | **2,130**  **[0000316709-24-000011_a4q23exhibit991.htm:7]**  | **2,233**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **2,158**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **2,222**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| **Asset Management and Administration Fees** | **1,049**  **[0000316709-23-000004_a4q22exhibit991_12312022.htm:7]**  | **1,118**  **[0000316709-23-000026_schw-20230331.htm:22]** **[0000316709-23-000026_schw-20230331.htm:12]**  | **1,173**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **1,224**  **[0000316709-23-000062_schw-20230930.htm:15]**  | **1,241**  **[0000316709-24-000011_a4q23exhibit991.htm:7]**  | **1,348**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **1,383**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **1,476**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| - Mutual Funds, ETFs, and CTFs | N/A | **585**  **[0000316709-23-000026_schw-20230331.htm:12]**  | **630**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **666**  **[0000316709-23-000062_schw-20230930.htm:15]**  | N/A | **758**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **785**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **827**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| - Advice Solutions | N/A | **453**  **[0000316709-23-000026_schw-20230331.htm:12]**  | **464**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **476**  **[0000316709-23-000062_schw-20230930.htm:15]**  | N/A | **503**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **510**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **559**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| - Other | N/A | **80**  **[0000316709-23-000026_schw-20230331.htm:12]**  | **79**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **82**  **[0000316709-23-000062_schw-20230930.htm:15]**  | N/A | **87**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **88**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **90**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| **Trading Revenue** | **895**  **[0000316709-23-000004_a4q22exhibit991_12312022.htm:7]**  | **892**  **[0000316709-23-000026_schw-20230331.htm:22]** **[0000316709-23-000026_schw-20230331.htm:12]**  | **803**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **768**  **[0000316709-23-000062_schw-20230930.htm:15]**  | **767**  **[0000316709-24-000011_a4q23exhibit991.htm:7]**  | **817**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **777**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **797**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| - Commissions | N/A | **422**  **[0000316709-23-000026_schw-20230331.htm:12]**  | **394**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **394**  **[0000316709-23-000062_schw-20230930.htm:15]**  | N/A | **413**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **383**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **388**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| - Order Flow Revenue | N/A | **414**  **[0000316709-23-000026_schw-20230331.htm:12]**  | **365**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **325**  **[0000316709-23-000062_schw-20230930.htm:15]**  | N/A | **352**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **357**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **357**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| - Principal Transactions | N/A | **56**  **[0000316709-23-000026_schw-20230331.htm:12]**  | **44**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **49**  **[0000316709-23-000062_schw-20230930.htm:15]**  | N/A | **52**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **37**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **52**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| **Bank Deposit Account Fees** | **350**  **[0000316709-23-000004_a4q22exhibit991_12312022.htm:7]**  | **151**  **[0000316709-23-000026_schw-20230331.htm:22]** **[0000316709-23-000026_schw-20230331.htm:12]**  | **175**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **205**  **[0000316709-23-000062_schw-20230930.htm:15]**  | **174**  **[0000316709-24-000011_a4q23exhibit991.htm:7]**  | **183**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **153**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **152**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| **Other Revenue** | **174**  **[0000316709-23-000004_a4q22exhibit991_12312022.htm:7]**  | **185**  **[0000316709-23-000026_schw-20230331.htm:22]** **[0000316709-23-000026_schw-20230331.htm:12]**  | **215**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **172**  **[0000316709-23-000062_schw-20230930.htm:15]**  | **147**  **[0000316709-24-000011_a4q23exhibit991.htm:7]**  | **159**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **219**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **200**  **[0000316709-24-000069_schw-20240930.htm:13]**  |
| **Total Net Revenues** | **5,497**  **[0000316709-23-000004_a4q22exhibit991_12312022.htm:7]**  | **5,116**  **[0000316709-23-000026_schw-20230331.htm:22]** **[0000316709-23-000026_schw-20230331.htm:12]**  | **4,656**  **[0000316709-23-000037_schw-20230630.htm:13]**  | **4,606**  **[0000316709-23-000062_schw-20230930.htm:15]**  | **4,459**  **[0000316709-24-000011_a4q23exhibit991.htm:7]**  | **4,740**  **[0000316709-24-000044_schw-20240331.htm:12]**  | **4,690**  **[0000316709-24-000060_schw-20240630.htm:12]**  | **4,847**  **[0000316709-24-000069_schw-20240930.htm:13]**  |

e9aa69339ce84ced095a6b25fefd7bf089f091b8dbafcd9df7d6579aa68f60f4

- Brokerage firms
- Wealth management firms
- Asset management firms
- Banks
- Trust companies
- Financial technology companies
- Retirement service providers
- Institutional custodians
- Wirehouses
- Regional broker-dealers
- Independent broker-dealers  **[0000316709-24-000018_schw-20231231.htm:4]** 

7d79528fecf94c3e41cbb5b68a252e25b8bce31d230a511915f1160632c4ec53

Clients' Daily Average Trades [thousands]

New Brokerage Accounts [thousands]

Active Brokerage Accounts [millions]

Assets Receiving Ongoing Advisory Services [billion $]

Client Cash as a Percentage of Client Assets [%]

Revenue per Trade [$]

BDA Balances [billion $]

CSB Purchased First Mortgages [million $]

Bank Deposit Account Fees [million $]

Average Net Yield [%]

HELOCs Converted to Amortizing Loans [million $]

HELOCs Secured by Second Liens [million $]

c7e8740f953fc44a9cdfb0f3317cc0a67365cfa0bc0ac8d1929d39ccc86e3fbc

23794d91c53ae875c8e247d72561e35d9d06ee07c70c9e0dbcc977a6d161504a

5bd03f12753ffe2f78ebfa59a8bc8dab4bd422ac637a7a43699cee996cda8fd7

| Name                  | Position                                      | Start Date          | Short Bio                                                                                                                                                                                                 |
|-----------------------|-----------------------------------------------|---------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Charles R. Schwab     | Co-Chairman of the Board                      | 1986                | Charles R. Schwab has been a director since 1986, served as Chairman until 2022, and has been Co-Chairman since 2022. He was CEO from 1986 to 1997 and 2004 to 2008, and Co-CEO from 1998 to 2003  **[0000316709-24-000018_schw-20231231.htm:212]** **[0001193125-24-087883_d522898ddef14a.htm:28]** **[0001193125-23-086655_d416280ddef14a.htm:21]** .                                   |
| Walter W. Bettinger II| Co-Chairman of the Board and CEO              | 2008                | Walter W. Bettinger II has been CEO since 2008 and Co-Chairman since 2022. He joined Schwab in 1995 through the acquisition of The Hampton Company, which he founded in 1983  **[0000316709-24-000018_schw-20231231.htm:212]** **[0001193125-24-087883_d522898ddef14a.htm:14]** **[0001193125-24-229532_d872219dex991.htm:0]** .                                                        |
| Richard A. Wurster    | President                                     | 2021                | Richard A. Wurster has been President since 2021. He joined Schwab in 2016 and held leadership roles including CEO of Charles Schwab Investment Management, Inc. from 2019 to 2021  **[0000316709-24-000018_schw-20231231.htm:212]** **[0001193125-24-229532_d872219d8k.htm:1]** .                                                      |
| Bernard J. Clark      | Managing Director and Head of Advisor Services| 2022                | Bernard J. Clark has been with Schwab since 1998 and has served as Managing Director and Head of Advisor Services since 2022. He was Executive Vice President of Advisor Services from 2010 to 2022  **[0000316709-24-000018_schw-20231231.htm:212]** **[0000316709-23-000009_schw-20221231.htm:190]** .                                     |
| Jonathan M. Craig     | Managing Director and Head of Investor Services and Marketing | 2022 | Jonathan M. Craig has been with Schwab since 2000 and has served in his current role since 2022. He previously held various executive positions including Senior Executive Vice President from 2018 to 2022  **[0000316709-24-000018_schw-20231231.htm:212]** **[0000316709-23-000009_schw-20221231.htm:190]** .                             |
| Peter B. Crawford     | Managing Director and Chief Financial Officer | 2017                | Peter B. Crawford has been with Schwab since 2001 and has served as CFO since 2017. He was previously Executive Vice President of Finance from 2015 to 2017  **[0000316709-24-000018_schw-20231231.htm:213]** **[0000316709-24-000018_schw-20231231.htm:212]** **[0000316709-23-000009_schw-20221231.htm:191]** .                                                                           |
| Joseph R. Martinetto  | Managing Director and Chief Operating Officer | 2018                | Joseph R. Martinetto has been with Schwab since 1997 and has served as COO since 2018. He was previously CFO from 2007 to 2017  **[0000316709-24-000018_schw-20231231.htm:213]** **[0000316709-24-000018_schw-20231231.htm:214]** **[0000316709-23-000009_schw-20221231.htm:191]** .                                                                                                       |
| Peter J. Morgan III   | Managing Director, General Counsel and Corporate Secretary | 2019 | Peter J. Morgan III has been with Schwab since 1999 and has served as General Counsel and Corporate Secretary since 2019. He was previously Senior Vice President and Deputy General Counsel from 2009 to 2020  **[0000316709-24-000018_schw-20231231.htm:212]** **[0000316709-23-000009_schw-20221231.htm:192]** .                          |
| Nigel J. Murtagh      | Managing Director and Chief Risk Officer      | 2022                | Nigel J. Murtagh has been with Schwab since 2000 and has served as Chief Risk Officer since 2022. He was previously Executive Vice President and Chief Risk Officer from 2012 to 2022  **[0000316709-24-000018_schw-20231231.htm:212]** **[0000316709-24-000018_schw-20231231.htm:214]** **[0000316709-23-000009_schw-20221231.htm:192]** .                                                 |
| Mike Verdeschi        | Chief Financial Officer                       | October 1, 2024     | Mike Verdeschi joined Schwab as Managing Director and Deputy CFO on May 20, 2024, and became CFO effective October 1, 2024. He previously held leadership roles at Citigroup  **[0001193125-24-140552_d832948ddefa14a.htm:2]** **[0002034140-24-000003_xslF345X02/wk-form3_1727814507.xml:0]** **[0001193125-24-140552_d832948ddefa14a.htm:3]** .                                                      |
| Joe Martinetto        | Executive Chairperson of the Schwab Banks     | June 28, 2024       | Joe Martinetto joined Schwab in 1997 and transitioned to Executive Chairperson of the Schwab Banks on June 28, 2024. He was previously COO from 2018  **[0001193125-24-140552_d832948ddefa14a.htm:2]** **[0000316709-24-000018_schw-20231231.htm:214]** **[0001193125-24-140552_d832948ddefa14a.htm:3]** **[0001193125-24-140552_d832948ddefa14a.htm:0]** .                                                                           |
| Jon Beatty            | Head of Advisor Services                      | June 28, 2024       | Jon Beatty has been with Schwab for over 20 years and became Head of Advisor Services on June 28, 2024. He was previously COO of Advisor Services  **[0001193125-24-140552_d832948ddefa14a.htm:2]** **[0001193125-24-140552_d832948ddefa14a.htm:3]** .                                                                                      |
| Tom Bradley           | Chief Client Officer for Advisor Services     | June 28, 2024       | Tom Bradley became Chief Client Officer for Advisor Services on June 28, 2024. He joined Schwab after the Ameritrade acquisition announcement in 2020 and was previously a Managing Director for Advisor Services  **[0001193125-24-140552_d832948ddefa14a.htm:2]** **[0001193125-24-140552_d832948ddefa14a.htm:3]** .                     |

eac1e82c10454e05d38724a65b2e36ae60e9477be6f8bc4d53d661f0987648a7

5f57a56a85cbb9cde5cb05bf87e8600e33c61a3323e086b4f019cecb4da640b4

| Program Details          | Program 1          |
|--------------------------|--------------------|
| Approval Date            | **July 27, 2022**  **[0000316709-24-000069_schw-20240930.htm:38]** **[0000316709-24-000069_schw-20240930.htm:89]** **[0000316709-24-000069_schw-20240930.htm:99]**  |
| End Date/Duration        | **No expiration date**  **[0000316709-24-000069_schw-20240930.htm:38]** **[0000316709-24-000069_schw-20240930.htm:89]** **[0000316709-24-000069_schw-20240930.htm:99]**  |
| Total additional amount  | **$15.0 billion**  **[0000316709-24-000069_schw-20240930.htm:38]** **[0000316709-24-000069_schw-20240930.htm:89]** **[0000316709-24-000069_schw-20240930.htm:99]**  |
| Remaining authorization  | **$8.7 billion**  **[0000316709-24-000069_schw-20240930.htm:38]** **[0000316709-24-000069_schw-20240930.htm:89]** **[0000316709-24-000069_schw-20240930.htm:99]**  |
| Details                  | Replaced a previous program that allowed for up to **$4.0 billion** in repurchases.  **[0000316709-23-000009_schw-20221231.htm:165]** **[0000316709-24-000018_schw-20231231.htm:187]** **[0000316709-24-000018_schw-20231231.htm:115]** **[0000316709-23-000037_schw-20230630.htm:42]** **[0000316709-23-000026_schw-20230331.htm:74]** **[0000316709-24-000060_schw-20240630.htm:38]** **[0000316709-24-000044_schw-20240331.htm:34]** **[0000316709-24-000069_schw-20240930.htm:38]** **[0000316709-23-000062_schw-20230930.htm:43]** **[0000316709-23-000062_schw-20230930.htm:97]**  |

0c2031353c7a759d833d1a63e3103191c5e505bedca614104aa3a3a25a3c80c6

| Name                  | Start Date | End Date | Reason for Change |
|-----------------------|------------|----------|-------------------|
| Deloitte & Touche LLP | 1976  **[0000316709-24-000018_schw-20231231.htm:205]**    | Present  | Current auditor   |

4dd7544567cacfe7aba304ca6545dbb279e29e2686f6d81373413fd20100ca62

- Total Revenue: $5.329B (+20% YoY)  **[0000316709-24-000018_schw-20231231.htm:125]** **[0000316709-25-000005_a4q24exhibit991.htm:4]** **[0000316709-25-000005_a4q24exhibit991.htm:5]** **[0000316709-25-000005_a4q24exhibit991.htm:1]**   
- Net Income: $1.840B (+76% YoY)  **[0000316709-24-000018_schw-20231231.htm:125]** **[0000316709-25-000005_a4q24exhibit991.htm:4]** **[0000316709-25-000005_a4q24exhibit991.htm:5]** **[0000316709-25-000005_a4q24exhibit991.htm:1]**   
- Diluted EPS: $0.94 (+84% YoY)  **[0000316709-24-000018_schw-20231231.htm:125]** **[0000316709-25-000005_a4q24exhibit991.htm:4]** **[0000316709-25-000005_a4q24exhibit991.htm:5]** **[0000316709-25-000005_a4q24exhibit991.htm:1]**   
- Interest Expense: $1.320B (-28% YoY)  **[0000316709-24-000018_schw-20231231.htm:125]** **[0000316709-25-000005_a4q24exhibit991.htm:4]** **[0000316709-25-000005_a4q24exhibit991.htm:7]**   

4a734da30ab8c8b77d50f1dbc08122b1b5c96349ef1c031bed87ffb3214c4322

744d51591f371877759b9fece3d37ba23db6100e052bb72a979fe6ac66c45cfe

03af17040d4c17f1057cb782b7d5da14d069cb083725b0e44f235a59f3440cce

| Year | Amount Due (in millions) | Debt Type | Interest Rate | % of Total Debt |
|------|--------------------------|-----------|---------------|-----------------|
| 2024 | $6 **[0000316709-24-000069_schw-20240930.htm:66]** | Long-term | N/A | 0.0% = (6 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:66]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| 2024 | $8,900 **[0000316709-24-000069_schw-20240930.htm:68]** | FHLB Borrowings | 5.34% **[0000316709-24-000069_schw-20240930.htm:66]** | 16.0% = (8,900 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:68]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| 2024 | $5,094 **[0000316709-24-000069_schw-20240930.htm:68]** | Other Short-Term Borrowings | 5.38% **[0000316709-24-000069_schw-20240930.htm:66]** | 9.2% = (5,094 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:68]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| 2024-2025 | $8,093 **[0000316709-24-000069_schw-20240930.htm:32]** | Repurchase Agreements | 5.27% **[0000316709-24-000069_schw-20240930.htm:32]** | 14.5% = (8,093 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:32]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| 2024 | $2,500 **[0000316709-24-000069_schw-20240930.htm:32]** | Secured Short-Term Borrowings | 5.71% **[0000316709-24-000069_schw-20240930.htm:32]** | 4.5% = (2,500 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:32]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| 2025 | $2,249 **[0000316709-24-000069_schw-20240930.htm:66]** | Long-term | 3.000% - 3.850% **[0000316709-24-000069_schw-20240930.htm:64]** | 4.0% = (2,249 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:66]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| 2025 | $13,700 **[0000316709-24-000069_schw-20240930.htm:68]** | FHLB Borrowings | 5.34% **[0000316709-24-000069_schw-20240930.htm:66]** | 24.6% = (13,700 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:68]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| 2025 | $5,499 **[0000316709-24-000069_schw-20240930.htm:68]** | Other Short-Term Borrowings | 5.38% **[0000316709-24-000069_schw-20240930.htm:66]** | 9.9% = (5,499 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:68]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| 2026 | $4,112 **[0000316709-24-000069_schw-20240930.htm:66]** | Long-term | 0.900% - 5.875% **[0000316709-24-000069_schw-20240930.htm:64]** | 7.4% = (4,112 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:66]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| 2027 | $3,463 **[0000316709-24-000069_schw-20240930.htm:66]** | Long-term | 2.450% - 3.300% **[0000316709-24-000069_schw-20240930.htm:64]** | 6.2% = (3,463 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:66]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| 2028 | $1,950 **[0000316709-24-000069_schw-20240930.htm:66]** | Long-term | 2.000% - 3.200% **[0000316709-24-000069_schw-20240930.htm:64]** | 3.5% = (1,950 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:66]** **[0000316709-24-000069_schw-20240930.htm:64]** |
| Thereafter | $10,700 **[0000316709-24-000069_schw-20240930.htm:66]** | Long-term | Various **[0000316709-24-000069_schw-20240930.htm:64]** | 19.2% = (10,700 / 55,642) * 100 **[0000316709-24-000069_schw-20240930.htm:66]** **[0000316709-24-000069_schw-20240930.htm:64]** |

a588d8b2cc72c7ecac1413415ec2d6bed244c8c3c190b66367d6c59e7381a254

Charles Schwab Corp (SCHW)

Financials