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NONINTEREST INCOME | 9 Months Ended
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Sep. 30, 2025
Other Income and Expenses [Abstract] |
NONINTEREST INCOME | NOTE 13 - NONINTEREST INCOME A portion of the Company’s noninterest income relates to certain fee-based revenue earned from contracts with customers based on the amount of consideration expected to be received upon the transfer of control of a good or service. For a description of the components of revenue from contracts with customers and how each component is recognized for the principal products and services of the Company’s business segments, see Note 21 in the Company’s 2024 Form 10-K. The following tables present noninterest income segregated by revenue from contracts with customers and revenue from other sources, disaggregated by business segment. Revenue from other sources primarily includes income from letter of credit and loan fees, foreign exchange and derivative products, and mortgage banking fees.
| Three Months Ended September 30, 2025
(dollars in millions) | Consumer Banking | Commercial Banking | Non-Core | Other | Consolidated
Service charges and fees | $78 |  | $33 |  | $— |  | $— |  | $111 |
Card fees | 73 |  | 12 |  | — |  | — |  | 85 |
Capital markets fees | — |  | 158 |  | — |  | — |  | 158 |
Wealth fees | 93 |  | — |  | — |  | — |  | 93 |
Other banking fees | 1 |  | 4 |  | — |  | — |  | 5 |
Total revenue from contracts with customers | $245 |  | $207 |  | $— |  | $— |  | $452 |
Total revenue from other sources(1) | 66 |  | 79 |  | 4 |  | 29 |  | 178 |
Total noninterest income | $311 |  | $286 |  | $4 |  | $29 |  | $630 |
| Three Months Ended September 30, 2024
(dollars in millions) | Consumer Banking | Commercial Banking | Non-Core | Other | Consolidated
Service charges and fees | $75 |  | $34 |  | $— |  | $— |  | $109 |
Card fees | 73 |  | 12 |  | — |  | 6 |  | 91 |
Capital markets fees | — |  | 88 |  | — |  | — |  | 88 |
Wealth fees | 76 |  | — |  | — |  | — |  | 76 |
Other banking fees | 1 |  | 2 |  | — |  | — |  | 3 |
Total revenue from contracts with customers | $225 |  | $136 |  | $— |  | $6 |  | $367 |
Total revenue from other sources(1) | 60 |  | 71 |  | — |  | 34 |  | 165 |
Total noninterest income | $285 |  | $207 |  | $— |  | $40 |  | $532 |
| Nine Months Ended September 30, 2025
(dollars in millions) | Consumer Banking | Commercial Banking | Non-Core | Other | Consolidated
Service charges and fees | $229 |  | $101 |  | $— |  | $— |  | $330 |
Card fees | 214 |  | 38 |  | — |  | — |  | 252 |
Capital markets fees | — |  | 348 |  | — |  | — |  | 348 |
Wealth fees | 262 |  | — |  | — |  | — |  | 262 |
Other banking fees | 2 |  | 8 |  | — |  | — |  | 10 |
Total revenue from contracts with customers | $707 |  | $495 |  | $— |  | $— |  | $1,202 |
Total revenue from other sources(1) | 230 |  | 238 |  | 7 |  | 97 |  | 572 |
Total noninterest income | $937 |  | $733 |  | $7 |  | $97 |  | $1,774 |
| Nine Months Ended September 30, 2024
(dollars in millions) | Consumer Banking | Commercial Banking | Non-Core | Other | Consolidated
Service charges and fees | $213 |  | $97 |  | $— |  | $— |  | $310 |
Card fees | 213 |  | 40 |  | — |  | 13 |  | 266 |
Capital markets fees | — |  | 330 |  | — |  | — |  | 330 |
Wealth fees | 219 |  | — |  | — |  | — |  | 219 |
Other banking fees | 2 |  | 8 |  | — |  | 1 |  | 11 |
Total revenue from contracts with customers | $647 |  | $475 |  | $— |  | $14 |  | $1,136 |
Total revenue from other sources(1) | 173 |  | 201 |  | — |  | 92 |  | 466 |
Total noninterest income | $820 |  | $676 |  | $— |  | $106 |  | $1,602 |
(1) Includes bank-owned life insurance income of $30 million and $26 million for the three months ended September 30, 2025 and 2024, respectively, and $85 million and $80 million for the nine months ended September 30, 2025 and 2024, respectively. For the three months ended September 30, 2025 and 2024, the Company recognized trailing commissions of $4 million related to previous investment sales. For the nine months ended September 30, 2025 and 2024, the Company recognized $12 million and $11 million, respectively.

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- Definition The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-7 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 9 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-9 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-10 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 15 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-15 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-13 Reference 11: http://www.xbrl.org/2003/role/disclosureRef -Name Accounting Standards Codification -Topic 606 -Publisher FASB -URI https://asc.fasb.org/606/tableOfContent + Details
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