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BUSINESS SEGMENTS (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Schedule of segment reporting information | The following tables present certain financial data of the Company’s business segments:
| Three Months Ended September 30, 2025
(dollars in millions) | Consumer Banking |  | Commercial Banking |  | Non-Core |  | Other |  | Consolidated
Net interest income | $1,262 |  |  | $448 |  |  | ($7) |  |  | ($215) |  |  | $1,488 |
Noninterest income | 311 |  |  | 286 |  |  | 4 |  |  | 29 |  |  | 630 |
Total revenue | 1,573 |  |  | 734 |  |  | (3) |  |  | (186) |  |  | 2,118 |
Direct expenses(1)(2) | 692 |  |  | 223 |  |  | 1 |  |  | 419 |  |  | 1,335 |
Indirect expenses(3) | 287 |  |  | 110 |  |  | 11 |  |  | (408) |  |  | — |
Noninterest expense | 979 |  |  | 333 |  |  | 12 |  |  | 11 |  |  | 1,335 |
Profit (loss) before provision (benefit) for credit losses | 594 |  |  | 401 |  |  | (15) |  |  | (197) |  |  | 783 |
Provision (benefit) for credit losses | 81 |  |  | 78 |  |  | 4 |  |  | (9) |  |  | 154 |
Income (loss) before income tax expense (benefit) | 513 |  |  | 323 |  |  | (19) |  |  | (188) |  |  | 629 |
Income tax expense (benefit) | 130 |  |  | 75 |  |  | (5) |  |  | (65) |  |  | 135 |
Net income (loss) | $383 |  |  | $248 |  |  | ($14) |  |  | ($123) |  |  | $494 |
Total average assets | $80,729 |  |  | $66,134 |  |  | $4,000 |  |  | $68,254 |  |  | $219,117 |
(1) Represents operating expenses incurred by the business segments and primarily includes salaries and employee benefits, equipment and software, outside services, and occupancy. (2) Includes depreciation and amortization of $30 million, $5 million, and $77 million, respectively, for the Consumer Banking, Commercial Banking and Other business segments. (3) Represents allocated corporate overhead from support functions such as information technology, finance, risk, and human resources.
| Three Months Ended September 30, 2024
(dollars in millions) | Consumer Banking |  | Commercial Banking |  | Non-Core |  | Other |  | Consolidated
Net interest income | $1,156 |  |  | $478 |  |  | ($28) |  |  | ($237) |  |  | $1,369 |
Noninterest income | 285 |  |  | 207 |  |  | — |  |  | 40 |  |  | 532 |
Total revenue | 1,441 |  |  | 685 |  |  | (28) |  |  | (197) |  |  | 1,901 |
Direct expenses(1)(2) | 586 |  |  | 205 |  |  | 1 |  |  | 467 |  |  | 1,259 |
Indirect expenses(3) | 330 |  |  | 95 |  |  | 22 |  |  | (447) |  |  | — |
Noninterest expense | 916 |  |  | 300 |  |  | 23 |  |  | 20 |  |  | 1,259 |
Profit (loss) before provision (benefit) for credit losses | 525 |  |  | 385 |  |  | (51) |  |  | (217) |  |  | 642 |
Provision (benefit) for credit losses | 84 |  |  | 91 |  |  | 17 |  |  | (20) |  |  | 172 |
Income (loss) before income tax expense (benefit) | 441 |  |  | 294 |  |  | (68) |  |  | (197) |  |  | 470 |
Income tax expense (benefit) | 114 |  |  | 63 |  |  | (17) |  |  | (72) |  |  | 88 |
Net income (loss) | $327 |  |  | $231 |  |  | ($51) |  |  | ($125) |  |  | $382 |
Total average assets | $75,392 |  |  | $68,092 |  |  | $8,389 |  |  | $66,705 |  |  | $218,578 |
(1) Represents operating expenses incurred by the business segments and primarily includes salaries and employee benefits, equipment and software, outside services, and occupancy. (2) Includes depreciation and amortization of $29 million, $6 million, and $79 million, respectively, for the Consumer Banking, Commercial Banking and Other business segments. (3) Represents allocated corporate overhead from support functions such as information technology, finance, risk, and human resources.
| Nine Months Ended September 30, 2025
(dollars in millions) | Consumer Banking |  | Commercial Banking |  | Non-Core |  | Other |  | Consolidated
Net interest income | $3,673 |  |  | $1,328 |  |  | ($27) |  |  | ($658) |  |  | $4,316 |
Noninterest income | 937 |  |  | 733 |  |  | 7 |  |  | 97 |  |  | 1,774 |
Total revenue | 4,610 |  |  | 2,061 |  |  | (20) |  |  | (561) |  |  | 6,090 |
Direct expenses(1)(2) | 2,040 |  |  | 660 |  |  | 2 |  |  | 1,266 |  |  | 3,968 |
Indirect expenses(3) | 856 |  |  | 317 |  |  | 41 |  |  | (1,214) |  |  | — |
Noninterest expense | 2,896 |  |  | 977 |  |  | 43 |  |  | 52 |  |  | 3,968 |
Profit (loss) before provision (benefit) for credit losses | 1,714 |  |  | 1,084 |  |  | (63) |  |  | (613) |  |  | 2,122 |
Provision (benefit) for credit losses | 248 |  |  | 239 |  |  | 43 |  |  | (59) |  |  | 471 |
Income (loss) before income tax expense (benefit) | 1,466 |  |  | 845 |  |  | (106) |  |  | (554) |  |  | 1,651 |
Income tax expense (benefit) | 371 |  |  | 195 |  |  | (27) |  |  | (191) |  |  | 348 |
Net income (loss) | $1,095 |  |  | $650 |  |  | ($79) |  |  | ($363) |  |  | $1,303 |
Total average assets | $79,040 |  |  | $65,931 |  |  | $5,241 |  |  | $67,494 |  |  | $217,706 |
(1) Represents operating expenses incurred by the business segments and primarily includes salaries and employee benefits, equipment and software, outside services, and occupancy. (2) Includes depreciation and amortization of $92 million, $15 million, and $230 million, respectively, for the Consumer Banking, Commercial Banking and Other business segments. (3) Represents allocated corporate overhead from support functions such as information technology, finance, risk, and human resources.
| Nine Months Ended September 30, 2024
(dollars in millions) | Consumer Banking |  | Commercial Banking |  | Non-Core |  | Other |  | Consolidated
Net interest income | $3,369 |  |  | $1,486 |  |  | ($96) |  |  | ($538) |  |  | $4,221 |
Noninterest income | 820 |  |  | 676 |  |  | — |  |  | 106 |  |  | 1,602 |
Total revenue | 4,189 |  |  | 2,162 |  |  | (96) |  |  | (432) |  |  | 5,823 |
Direct expenses(1)(2) | 1,728 |  |  | 626 |  |  | 3 |  |  | 1,561 |  |  | 3,918 |
Indirect expenses(3) | 1,006 |  |  | 302 |  |  | 71 |  |  | (1,379) |  |  | — |
Noninterest expense | 2,734 |  |  | 928 |  |  | 74 |  |  | 182 |  |  | 3,918 |
Profit (loss) before provision (benefit) for credit losses | 1,455 |  |  | 1,234 |  |  | (170) |  |  | (614) |  |  | 1,905 |
Provision (benefit) for credit losses | 249 |  |  | 262 |  |  | 46 |  |  | (32) |  |  | 525 |
Income (loss) before income tax expense (benefit) | 1,206 |  |  | 972 |  |  | (216) |  |  | (582) |  |  | 1,380 |
Income tax expense (benefit) | 311 |  |  | 223 |  |  | (55) |  |  | (207) |  |  | 272 |
Net income (loss) | $895 |  |  | $749 |  |  | ($161) |  |  | ($375) |  |  | $1,108 |
Total average assets | $74,510 |  |  | $69,046 |  |  | $9,450 |  |  | $66,514 |  |  | $219,520 |
(1) Represents operating expenses incurred by the business segments and primarily includes salaries and employee benefits, equipment and software, outside services, and occupancy. (2) Includes depreciation and amortization of $84 million, $21 million, and $233 million, respectively, for the Consumer Banking, Commercial Banking and Other business segments. (3) Represents allocated corporate overhead from support functions such as information technology, finance, risk, and human resources.

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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