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Premises, Equipment and Leases (Tables)

12 Months Ended

Dec. 31, 2024

Property, Plant and Equipment and Lease Commitments [Abstract]

Schedule of Property, Plant and Equipment

Useful lives for premises and equipment are generally estimated as follows:

Premises and Equipment						Useful Lives
Buildings and improvements						5-39 years
Furniture and equipment						3-10 years
Computer software						3 years
Leasehold improvements						Lesser of the useful life or the remaining lease term

The following table presents our premises and equipment as of December 31, 2024 and 2023.

Table 8.1 Components of Premises and Equipment

(Dollars in millions)						December 31, 2024						December 31, 2023
Land						$	303					$	305
Buildings and improvements						4,276						4,297
Furniture and equipment						1,751						1,800
Computer software						3,357						2,863
In progress						426						291
Total premises and equipment, gross						10,113						9,556
Less: Accumulated depreciation and amortization						(5,602)						(5,181)
Total premises and equipment, net						$	4,511					$	4,375

Schedule of Lease Cost

The following tables present information about our operating lease portfolio and the related lease costs as of and for the years ended December 31, 2024 and 2023.

Table 8.2 Operating Lease Portfolio

(Dollars in millions)						December 31, 2024						December 31, 2023
Right-of-use assets						$	974					$	1,009
Lease liabilities						1,265						1,312
Weighted-average remaining lease term						7.9 years						8.2 years
Weighted-average discount rate						3.3		%				3.2		%

Table 8.3 Total Operating Lease Expense and Other Information

												Year Ended December 31,
(Dollars in millions)												2024						2023
Operating lease cost												$	224					$	241
Variable lease cost												48						47
Total lease cost												272						288
Sublease income												(14)						(18)
Net lease cost												$	258					$	270
Cash paid for amounts included in the measurement of lease liabilities												$	261					$	285
Right-of-use assets obtained in exchange for lease liabilities												145						83

Schedule of Future Minimum Lease Payments

The following table presents a maturity analysis of our operating leases and a reconciliation of the undiscounted cash flows to our lease liabilities as of December 31, 2024.

Table 8.4 Maturities of Operating Leases and Reconciliation to Lease Liabilities

(Dollars in millions)						December 31, 2024
2025						$	235
2026						223
2027						196
2028						177
2029						161
Thereafter						488
Total undiscounted lease payments						1,480
Less: Imputed interest						215
Total lease liabilities						$	1,265

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- Definition

Property, Plant and Equipment and Lease Commitments [Abstract]

+ References

No definition available.

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- Definition

Tabular disclosure of lessee's lease cost. Includes, but is not limited to, interest expense for finance lease, amortization of right-of-use asset for finance lease, operating lease cost, short-term lease cost, variable lease cost and sublease income.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 842
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478964/842-20-50-4

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Tabular disclosure of undiscounted cash flows of lessee's operating lease liability. Includes, but is not limited to, reconciliation of undiscounted cash flows to operating lease liability recognized in statement of financial position.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 842
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478964/842-20-50-6

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- Definition

Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-SubTopic 10
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