.50% ( 2.50 % ) 2.36% ( 2.36 % ) 2.25% ( 2.25 % ) net interest yield on average cib markets interest-earning assets ( c ) 0.51 0.86 1.22 net interest yield on average interest-earning assets excluding cib markets 3.25% ( 3.25 % ) 2.85% ( 2.85 % ) 2.59% ( 2.59 % ) ( a ) interest includes the effect of related hedges . taxable-equivalent amounts are used where applicable . ( b ) for a reconciliation of net interest income on a reported and managed basis , refer to reconciliation from the firm 2019s reported u