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v3.25.3

Business Segments (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Schedule of Movements Between Segments | The following table summarizes the impacts of the movements from the Commercial Banking segment to the Consumer & Small Business Banking segment for the years ended December 31:
($ in millions) | 2024 | 2023 | 2022
Net interest income (FTE) | $ | 103 |  | 135 | 74
Income before income taxes (FTE) | 68 | 105 | 43
Average assets | 714 | 686 | 660
Results of Operations and Assets by Segment | The following tables present the results of operations and average assets by segment for the three months ended:
September 30, 2025 ($ in millions) | Commercial Banking |  | Consumer and Small Business Banking | Wealth and Asset Management | General Corporate and Other(c) |  | Total
Net interest income (FTE)(a) | $ | 594 |  |  | 1,082 |  | 55 |  | (206) |  |  | 1,525 |
Provision for (benefit from) credit losses | 246 |  |  | 73 |  | — |  | (122) |  |  | 197 |
Net interest income after provision for (benefit from) credit losses | $ | 348 |  |  | 1,009 |  | 55 |  | (84) |  |  | 1,328 |
Noninterest income: |  |  |  |  |  |  |
Wealth and asset management revenue | $ | 1 |  |  | 73 |  | 107 |  | — |  |  | 181 |
Commercial payments revenue | 140 |  |  | 22 |  | — |  | (5) |  |  | 157 |
Consumer banking revenue | — |  |  | 144 |  | 1 |  | (1) |  |  | 144 |
Capital markets fees | 114 |  |  | 1 |  | — |  | — |  |  | 115 |
Commercial banking revenue | 86 |  |  | 1 |  | — |  | — |  |  | 87 |
Mortgage banking net revenue | — |  |  | 58 |  | — |  | — |  |  | 58 |
Other noninterest income | 16 |  |  | 10 |  | 1 |  | 2 |  |  | 29 |
Securities gains, net | — |  |  | — |  | — |  | 10 |  |  | 10 |
Total noninterest income | $ | 357 |  |  | 309 |  | 109 |  | 6 |  |  | 781 |
Noninterest expense: |  |  |  |  |  |  |
Compensation and benefits | $ | 151 |  |  | 232 |  | 53 |  | 249 |  |  | 685 |
Technology and communications | 5 |  |  | 8 |  | — |  | 115 |  |  | 128 |
Net occupancy expense | 9 |  |  | 55 |  | 3 |  | 22 |  |  | 89 |
Equipment expense | 8 |  |  | 14 |  | — |  | 22 |  |  | 44 |
Loan and lease expense | 10 |  |  | 22 |  | — |  | 7 |  |  | 39 |
Marketing expense | 1 |  |  | 20 |  | — |  | 13 |  |  | 34 |
Card and processing expense | 3 |  |  | 19 |  | — |  | — |  |  | 22 |
Other noninterest expense(b) | 267 |  |  | 283 |  | 37 |  | (361) |  |  | 226 |
Total noninterest expense | $ | 454 |  |  | 653 |  | 93 |  | 67 |  |  | 1,267 |
Income (loss) before income taxes (FTE)(a) | $ | 251 |  |  | 665 |  | 71 |  | (145) |  |  | 842 |
Average assets | $ | 77,603 |  |  | 56,762 |  | 4,910 |  | 72,495 |  |  | 211,770 |
(a)Includes FTE adjustments of $3 for Commercial Banking and $2 for General Corporate and Other. (b)Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (c)General Corporate and Other is not a reportable segment and is presented for reconciliation purposes.
September 30, 2024 ($ in millions) | Commercial Banking |  | Consumer and Small Business Banking | Wealth and Asset Management | General Corporate and Other(c) |  | Total
Net interest income (FTE)(a) | $ | 648 |  |  | 1,056 |  | 50 |  | (327) |  |  | 1,427 |
Provision for credit losses | 76 |  |  | 78 |  | — |  | 6 |  |  | 160 |
Net interest income after provision for credit losses | $ | 572 |  |  | 978 |  | 50 |  | (333) |  |  | 1,267 |
Noninterest income: |  |  |  |  |  |  |
Wealth and asset management revenue | $ | 1 |  |  | 64 |  | 98 |  | — |  |  | 163 |
Commercial payments revenue | 131 |  |  | 22 |  | — |  | 1 |  |  | 154 |
Consumer banking revenue | — |  |  | 142 |  | 1 |  | — |  |  | 143 |
Capital markets fees | 110 |  |  | 1 |  | — |  | — |  |  | 111 |
Commercial banking revenue | 92 |  |  | 1 |  | — |  | — |  |  | 93 |
Mortgage banking net revenue | — |  |  | 50 |  | — |  | — |  |  | 50 |
Other noninterest (loss) income | 11 |  |  | 3 |  | — |  | (27) |  |  | (13) |
Securities gains, net | 9 |  |  | — |  | — |  | 1 |  |  | 10 |
Total noninterest income | $ | 354 |  |  | 283 |  | 99 |  | (25) |  |  | 711 |
Noninterest expense: |  |  |  |  |  |  |
Compensation and benefits | $ | 148 |  |  | 209 |  | 54 |  | 279 |  |  | 690 |
Technology and communications | 3 |  |  | 7 |  | — |  | 111 |  |  | 121 |
Net occupancy expense | 9 |  |  | 52 |  | 3 |  | 17 |  |  | 81 |
Equipment expense | 7 |  |  | 13 |  | — |  | 18 |  |  | 38 |
Loan and lease expense | 8 |  |  | 21 |  | — |  | 5 |  |  | 34 |
Marketing expense | 1 |  |  | 15 |  | — |  | 10 |  |  | 26 |
Card and processing expense | 2 |  |  | 20 |  | — |  | — |  |  | 22 |
Other noninterest expense(b) | 282 |  |  | 277 |  | 38 |  | (365) |  |  | 232 |
Total noninterest expense | $ | 460 |  |  | 614 |  | 95 |  | 75 |  |  | 1,244 |
Income (loss) before income taxes (FTE)(a) | $ | 466 |  |  | 647 |  | 54 |  | (433) |  |  | 734 |
Average assets | $ | 75,550 |  |  | 52,552 |  | 4,374 |  | 81,362 |  |  | 213,838 |
(a)Includes FTE adjustments of $4 for Commercial Banking and $2 for General Corporate and Other. (b)Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (c)General Corporate and Other is not a reportable segment and is presented for reconciliation purposes. The following tables present the results of operations and average assets by segment for the nine months ended:
September 30, 2025 ($ in millions) | Commercial Banking |  | Consumer and Small Business Banking | Wealth and Asset Management | General Corporate and Other(c) |  | Total
Net interest income (FTE)(a) | $ | 1,742 |  |  | 3,141 |  | 161 |  | (576) |  |  | 4,468 |
Provision for (benefit from) credit losses | 405 |  |  | 241 |  | (2) |  | (100) |  |  | 544 |
Net interest income after provision for (benefit from) credit losses | $ | 1,337 |  |  | 2,900 |  | 163 |  | (476) |  |  | 3,924 |
Noninterest income: |  |  |  |  |  |  |
Wealth and asset management revenue | $ | 1 |  |  | 206 |  | 312 |  | — |  |  | 519 |
Commercial payments revenue | 404 |  |  | 64 |  | 1 |  | (7) |  |  | 462 |
Consumer banking revenue | — |  |  | 426 |  | 2 |  | — |  |  | 428 |
Capital markets fees | 292 |  |  | 2 |  | 1 |  | (1) |  |  | 294 |
Commercial banking revenue | 243 |  |  | 3 |  | 1 |  | — |  |  | 247 |
Mortgage banking net revenue | — |  |  | 170 |  | 1 |  | — |  |  | 171 |
Other noninterest income | 44 |  |  | 13 |  | 2 |  | 27 |  |  | 86 |
Securities gains (losses), net | (7) |  |  | — |  | — |  | 24 |  |  | 17 |
Total noninterest income | $ | 977 |  |  | 884 |  | 320 |  | 43 |  |  | 2,224 |
Noninterest expense: |  |  |  |  |  |  |
Compensation and benefits | $ | 480 |  |  | 697 |  | 170 |  | 785 |  |  | 2,132 |
Technology and communications | 10 |  |  | 24 |  | — |  | 344 |  |  | 378 |
Net occupancy expense | 27 |  |  | 163 |  | 10 |  | 60 |  |  | 260 |
Equipment expense | 24 |  |  | 43 |  | — |  | 59 |  |  | 126 |
Loan and lease expense | 25 |  |  | 61 |  | 1 |  | 18 |  |  | 105 |
Marketing expense | 4 |  |  | 69 |  | — |  | 32 |  |  | 105 |
Card and processing expense | 9 |  |  | 55 |  | 1 |  | — |  |  | 65 |
Other noninterest expense(b) | 839 |  |  | 836 |  | 114 |  | (1,125) |  |  | 664 |
Total noninterest expense | $ | 1,418 |  |  | 1,948 |  | 296 |  | 173 |  |  | 3,835 |
Income (loss) before income taxes (FTE)(a) | $ | 896 |  |  | 1,836 |  | 187 |  | (606) |  |  | 2,313 |
Average assets | $ | 77,949 |  |  | 55,630 |  | 4,808 |  | 72,578 |  |  | 210,965 |
(a)Includes FTE adjustments of $9 for Commercial Banking and $6 for General Corporate and Other. (b)Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (c)General Corporate and Other is not a reportable segment and is presented for reconciliation purposes.
September 30, 2024 ($ in millions) | Commercial Banking |  | Consumer and Small Business Banking | Wealth and Asset Management | General Corporate and Other(c) |  | Total
Net interest income (FTE)(a) | $ | 1,946 |  |  | 3,287 |  | 162 |  | (1,185) |  |  | 4,210 |
Provision for (benefit from) credit losses | 284 |  |  | 232 |  | — |  | (165) |  |  | 351 |
Net interest income after provision for (benefit from) credit losses | $ | 1,662 |  |  | 3,055 |  | 162 |  | (1,020) |  |  | 3,859 |
Noninterest income: |  |  |  |  |  |  |
Wealth and asset management revenue | $ | 2 |  |  | 185 |  | 296 |  | — |  |  | 483 |
Commercial payments revenue | 386 |  |  | 65 |  | 1 |  | 1 |  |  | 453 |
Consumer banking revenue | — |  |  | 415 |  | 2 |  | 1 |  |  | 418 |
Capital markets fees | 298 |  |  | 2 |  | 1 |  | — |  |  | 301 |
Commercial banking revenue | 265 |  |  | 2 |  | — |  | — |  |  | 267 |
Mortgage banking net revenue | — |  |  | 153 |  | 1 |  | — |  |  | 154 |
Other noninterest income (loss) | 42 |  |  | 5 |  | 1 |  | (30) |  |  | 18 |
Securities gains, net | 3 |  |  | — |  | — |  | 20 |  |  | 23 |
Total noninterest income | $ | 996 |  |  | 827 |  | 302 |  | (8) |  |  | 2,117 |
Noninterest expense: |  |  |  |  |  |  |
Compensation and benefits | $ | 487 |  |  | 675 |  | 168 |  | 769 |  |  | 2,099 |
Technology and communications | 10 |  |  | 22 |  | 1 |  | 318 |  |  | 351 |
Net occupancy expense | 26 |  |  | 160 |  | 9 |  | 56 |  |  | 251 |
Equipment expense | 21 |  |  | 38 |  | — |  | 55 |  |  | 114 |
Loan and lease expense | 20 |  |  | 61 |  | — |  | 15 |  |  | 96 |
Marketing expense | 2 |  |  | 55 |  | 1 |  | 34 |  |  | 92 |
Card and processing expense | 6 |  |  | 57 |  | 1 |  | (1) |  |  | 63 |
Other noninterest expense(b) | 822 |  |  | 834 |  | 112 |  | (1,027) |  |  | 741 |
Total noninterest expense | $ | 1,394 |  |  | 1,902 |  | 292 |  | 219 |  |  | 3,807 |
Income (loss) before income taxes (FTE)(a) | $ | 1,264 |  |  | 1,980 |  | 172 |  | (1,247) |  |  | 2,169 |
Average assets | $ | 76,621 |  |  | 51,920 |  | 4,357 |  | 80,276 |  |  | 213,174 |
(a)Includes FTE adjustments of $11 for Commercial Banking and $7 for General Corporate and Other. (b)Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (c)General Corporate and Other is not a reportable segment and is presented for reconciliation purposes.

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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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