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v3.26.1

Operating Segments (Tables) | 6 Months Ended
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Jun. 30, 2026
Segment Reporting [Abstract] |
Segment Reporting | The following table presents results by segment:
Three Months Ended June 30, (Dollars in millions) | CSBB |  | WB |  |  |  | OT&C(1) |  | Total |  |  |  |  |  |  |  |  |  |
2026 |  | 2025 |  | 2026 |  | 2025 |  |  |  |  |  | 2026 |  | 2025 |  | 2026 |  | 2025 |  |  |  |  |  |  |  |  |  |
Net interest income (expense) | $ | 1,624 |  |  | $ | 1,496 |  |  | $ | 1,942 |  |  | $ | 1,872 |  |  |  |  |  |  | $ | 55 |  |  | $ | 219 |  |  | $ | 3,621 |  |  | $ | 3,587 |  |  |  |  |  |  |  |  |  |  |
Net intersegment interest income (expense) | 980 |  |  | 828 |  |  | (411) |  |  | (306) |  |  |  |  |  |  | (569) |  |  | (522) |  |  | — |  |  | — |  |  |  |  |  |  |  |  |  |  |
Segment net interest income (expense) | 2,604 |  |  | 2,324 |  |  | 1,531 |  |  | 1,566 |  |  |  |  |  |  | (514) |  |  | (303) |  |  | 3,621 |  |  | 3,587 |  |  |  |  |  |  |  |  |  |  |
Allocated provision for credit losses | 307 |  |  | 384 |  |  | 90 |  |  | 104 |  |  |  |  |  |  | (2) |  |  | — |  |  | 395 |  |  | 488 |  |  |  |  |  |  |  |  |  |  |
Noninterest income | 530 |  |  | 519 |  |  | 1,158 |  |  | 941 |  |  |  |  |  |  | (44) |  |  | (60) |  |  | 1,644 |  |  | 1,400 |  |  |  |  |  |  |  |  |  |  |
Personnel expense | 443 |  |  | 434 |  |  | 626 |  |  | 574 |  |  |  |  |  |  | 723 |  |  | 670 |  |  | 1,792 |  |  | 1,678 |  |  |  |  |  |  |  |  |  |  |
Amortization of intangibles | 33 |  |  | 39 |  |  | 30 |  |  | 34 |  |  |  |  |  |  | — |  |  | — |  |  | 63 |  |  | 73 |  |  |  |  |  |  |  |  |  |  |
Other direct noninterest expense(2) | 312 |  |  | 286 |  |  | 200 |  |  | 202 |  |  |  |  |  |  | 688 |  |  | 747 |  |  | 1,200 |  |  | 1,235 |  |  |  |  |  |  |  |  |  |  |
Total direct noninterest expense | 788 |  |  | 759 |  |  | 856 |  |  | 810 |  |  |  |  |  |  | 1,411 |  |  | 1,417 |  |  | 3,055 |  |  | 2,986 |  |  |  |  |  |  |  |  |  |  |
Expense Allocations | 933 |  |  | 940 |  |  | 528 |  |  | 519 |  |  |  |  |  |  | (1,461) |  |  | (1,459) |  |  | — |  |  | — |  |  |  |  |  |  |  |  |  |  |
Total noninterest expense | 1,721 |  |  | 1,699 |  |  | 1,384 |  |  | 1,329 |  |  |  |  |  |  | (50) |  |  | (42) |  |  | 3,055 |  |  | 2,986 |  |  |  |  |  |  |  |  |  |  |
Income (loss) before income taxes from continuing operations | 1,106 |  |  | 760 |  |  | 1,215 |  |  | 1,074 |  |  |  |  |  |  | (506) |  |  | (321) |  |  | 1,815 |  |  | 1,513 |  |  |  |  |  |  |  |  |  |  |
Provision (benefit) for income taxes | 271 |  |  | 186 |  |  | 255 |  |  | 213 |  |  |  |  |  |  | (264) |  |  | (126) |  |  | 262 |  |  | 273 |  |  |  |  |  |  |  |  |  |  |
Segment net income (loss) from continuing operations | $ | 835 |  |  | $ | 574 |  |  | $ | 960 |  |  | $ | 861 |  |  |  |  |  |  | $ | (242) |  |  | $ | (195) |  |  | $ | 1,553 |  |  | $ | 1,240 |  |  |  |  |  |  |  |  |  |  |
Identifiable assets (period end) of continuing operations(3) | $ | 153,353 |  |  | $ | 152,377 |  |  | $ | 227,667 |  |  | $ | 214,764 |  |  |  |  |  |  | $ | 175,003 |  |  | $ | 176,692 |  |  | $ | 556,023 |  |  | $ | 543,833 |  |  |  |  |  |  |  |  |  |  |
Six Months Ended June 30, (Dollars in millions) | CSBB |  | WB |  |  |  | OT&C(1) |  | Total |  |  |  |  |  |  |  |  |  |
2026 |  | 2025 |  | 2026 |  | 2025 |  |  |  |  |  | 2026 |  | 2025 |  | 2026 |  | 2025 |  |  |  |  |  |  |  |  |  |
Net interest income (expense) | $ | 3,229 |  |  | $ | 2,931 |  |  | $ | 3,864 |  |  | $ | 3,756 |  |  |  |  |  |  | $ | 127 |  |  | $ | 407 |  |  | $ | 7,220 |  |  | $ | 7,094 |  |  |  |  |  |  |  |  |  |  |
Net intersegment interest income (expense) | 1,869 |  |  | 1,640 |  |  | (825) |  |  | (690) |  |  |  |  |  |  | (1,044) |  |  | (950) |  |  | — |  |  | — |  |  |  |  |  |  |  |  |  |  |
Segment net interest income (expense) | 5,098 |  |  | 4,571 |  |  | 3,039 |  |  | 3,066 |  |  |  |  |  |  | (917) |  |  | (543) |  |  | 7,220 |  |  | 7,094 |  |  |  |  |  |  |  |  |  |  |
Allocated provision for credit losses | 681 |  |  | 711 |  |  | 195 |  |  | 236 |  |  |  |  |  |  | (2) |  |  | (1) |  |  | 874 |  |  | 946 |  |  |  |  |  |  |  |  |  |  |
Noninterest income | 1,058 |  |  | 1,022 |  |  | 2,227 |  |  | 1,888 |  |  |  |  |  |  | (88) |  |  | (118) |  |  | 3,197 |  |  | 2,792 |  |  |  |  |  |  |  |  |  |  |
Personnel expense | 876 |  |  | 868 |  |  | 1,238 |  |  | 1,131 |  |  |  |  |  |  | 1,405 |  |  | 1,283 |  |  | 3,519 |  |  | 3,282 |  |  |  |  |  |  |  |  |  |  |
Amortization of intangibles | 67 |  |  | 78 |  |  | 60 |  |  | 70 |  |  |  |  |  |  | — |  |  | — |  |  | 127 |  |  | 148 |  |  |  |  |  |  |  |  |  |  |
Other direct noninterest expense(2) | 605 |  |  | 574 |  |  | 387 |  |  | 395 |  |  |  |  |  |  | 1,400 |  |  | 1,493 |  |  | 2,392 |  |  | 2,462 |  |  |  |  |  |  |  |  |  |  |
Total direct noninterest expense | 1,548 |  |  | 1,520 |  |  | 1,685 |  |  | 1,596 |  |  |  |  |  |  | 2,805 |  |  | 2,776 |  |  | 6,038 |  |  | 5,892 |  |  |  |  |  |  |  |  |  |  |
Expense Allocations | 1,853 |  |  | 1,843 |  |  | 1,048 |  |  | 1,036 |  |  |  |  |  |  | (2,901) |  |  | (2,879) |  |  | — |  |  | — |  |  |  |  |  |  |  |  |  |  |
Total noninterest expense | 3,401 |  |  | 3,363 |  |  | 2,733 |  |  | 2,632 |  |  |  |  |  |  | (96) |  |  | (103) |  |  | 6,038 |  |  | 5,892 |  |  |  |  |  |  |  |  |  |  |
Income (loss) before income taxes from continuing operations | 2,074 |  |  | 1,519 |  |  | 2,338 |  |  | 2,086 |  |  |  |  |  |  | (907) |  |  | (557) |  |  | 3,505 |  |  | 3,048 |  |  |  |  |  |  |  |  |  |  |
Provision (benefit) for income taxes | 509 |  |  | 371 |  |  | 487 |  |  | 413 |  |  |  |  |  |  | (525) |  |  | (237) |  |  | 471 |  |  | 547 |  |  |  |  |  |  |  |  |  |  |
Segment net income (loss) from continuing operations | $ | 1,565 |  |  | $ | 1,148 |  |  | $ | 1,851 |  |  | $ | 1,673 |  |  |  |  |  |  | $ | (382) |  |  | $ | (320) |  |  | $ | 3,034 |  |  | $ | 2,501 |  |  |  |  |  |  |  |  |  |  |
Identifiable assets (period end) of continuing operations(3) | $ | 153,353 |  |  | $ | 152,377 |  |  | $ | 227,667 |  |  | $ | 214,764 |  |  |  |  |  |  | $ | 175,003 |  |  | $ | 176,692 |  |  | $ | 556,023 |  |  | $ | 543,833 |  |  |  |  |  |  |  |  |  |  |
(1)As described above, includes the Company’s investment securities portfolio, most long-term debt, derivative instruments used for balance sheet hedging, short-term liquidity and funding activities, balance sheet risk management, most bank-owned real estate assets, as well as functional activities such as finance, enterprise risk, legal, and enterprise technology, data, and operations. Additionally, OT&C includes intersegment eliminations, including for residual interest rate risk, intersegment net referral fees, and expense allocations. May also include financial data from business units below the quantitative and qualitative thresholds requiring disclosure. (2)Other direct noninterest expense within the table above includes expenses for net occupancy, equipment, professional fees and outside processing, regulatory costs, and other expenses. (3)For the purpose of presenting identifiable assets of continuing operations by segment, the majority of the ALLL resides in OT&C which is consistent with the CODM’s review of segment loan portfolios on a gross basis.

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