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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
Interest income:        
Loans, including loans held for sale $ 10,547 $ 9,696 $ 30,460 $ 27,476
Investment securities 733 627 2,120 1,881
Other 580 550 1,737 1,436
Total interest income 11,860 10,873 34,317 30,793
Interest expense:        
Deposits 2,945 2,611 8,631 6,744
Securitized debt obligations 234 249 753 696
Senior and subordinated notes 596 579 1,793 1,596
Other borrowings 9 11 30 35
Total interest expense 3,784 3,450 11,207 9,071
Net interest income 8,076 7,423 23,110 21,722
Provision for credit losses 2,482 2,284 9,074 7,569
Net interest income after provision for credit losses 5,594 5,139 14,036 14,153
Non-interest income:        
Interchange fees, net 1,228 1,234 3,622 3,586
Service charges and other customer-related fees 501 453 1,422 1,243
Net securities gains (losses) (35) 0 (35) 0
Other 244 256 803 730
Total non-interest income (loss) 1,938 1,943 5,812 5,559
Non-interest expense:        
Salaries and associate benefits 2,391 2,274 7,069 7,018
Occupancy and equipment 587 518 1,692 1,532
Marketing 1,113 972 3,187 2,755
Professional services 402 295 980 909
Communications and data processing 358 344 1,064 1,038
Amortization of intangibles 20 24 58 60
Other 443 433 1,347 1,287
Total non-interest expense 5,314 4,860 15,397 14,599
Income from continuing operations before income taxes 2,218 2,222 4,451 5,113
Income tax provision 441 432 797 932
Net income 1,777 1,790 3,654 4,181
Dividends and undistributed earnings allocated to participating securities (28) (28) (60) (67)
Preferred stock dividends (57) (57) (171) (171)
Net income available to common stockholders $ 1,692 $ 1,705 $ 3,423 $ 3,943
Basic earnings per common share:        
Net income per basic common share (in dollars per share) $ 4.42 $ 4.46 $ 8.94 $ 10.31
Diluted earnings per common share:        
Net income per diluted common share (in dollars per share) $ 4.41 $ 4.45 $ 8.92 $ 10.28