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Accumulated Other Comprehensive Income | 9 Months Ended
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Sep. 30, 2025
Equity [Abstract] |
Accumulated Other Comprehensive Income | Accumulated Other Comprehensive Income The tables below present the activity of the components of OCI and AOCI for the three months ended:
| Total OCI | Total AOCI
September 30, 2025 ($ in millions) | Pre-tax Activity | Tax Effect | Net Activity | Beginning Balance | Net Activity | Ending Balance
Unrealized holding gains on available-for-sale debt securities arising during period | $ | 305 |  | (75) |  | 230 |  |  |  |
Reclassification adjustment for net losses on available-for-sale debt securities included in net income | — |  | — |  | — |  |  |  |
Net unrealized losses on available-for-sale debt securities | 305 |  | (75) |  | 230 |  | (2,620) |  | 230 |  | (2,390) |
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income | 31 |  | (6) |  | 25 |  |  |  |
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities | 31 |  | (6) |  | 25 |  | (637) |  | 25 |  | (612) |
Unrealized holding losses on cash flow hedge derivatives arising during period | (25) |  | 6 |  | (19) |  |  |  |
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income | 43 |  | (10) |  | 33 |  |  |  |
Net unrealized losses on cash flow hedge derivatives | 18 |  | (4) |  | 14 |  | (271) |  | 14 |  | (257) |
Net actuarial loss arising during the year | (1) |  | — |  | (1) |  |  |  |
Reclassification of amounts to net periodic benefit costs | 2 |  | — |  | 2 |  |  |  |
Defined benefit pension plans, net | 1 |  | — |  | 1 |  | (16) |  | 1 |  | (15) |
Other | — |  | — |  | — |  | (2) |  | — |  | (2) |
Total | $ | 355 |  | (85) |  | 270 |  | (3,546) |  | 270 |  | (3,276) |
| Total OCI | Total AOCI
September 30, 2024 ($ in millions) | Pre-tax Activity | Tax Effect | Net Activity | Beginning Balance | Net Activity | Ending Balance
Unrealized holding gains on available-for-sale debt securities arising during period | $ | 1,241 |  | (297) |  | 944 |  |  |  |
Reclassification adjustment for net losses on available-for-sale debt securities included in net income | 11 |  | (2) |  | 9 |  |  |  |
Net unrealized losses on available-for-sale debt securities | 1,252 |  | (299) |  | 953 |  | (3,486) |  | 953 |  | (2,533) |
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income | 33 |  | (7) |  | 26 |  |  |  |
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities | 33 |  | (7) |  | 26 |  | (735) |  | 26 |  | (709) |
Unrealized holding gains on cash flow hedge derivatives arising during period | 530 |  | (127) |  | 403 |  |  |  |
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income | 91 |  | (21) |  | 70 |  |  |  |
Net unrealized losses on cash flow hedge derivatives | 621 |  | (148) |  | 473 |  | (659) |  | 473 |  | (186) |
Reclassification of amounts to net periodic benefit costs | 1 |  | — |  | 1 |  |  |  |
Defined benefit pension plans, net | 1 |  | — |  | 1 |  | (17) |  | 1 |  | (16) |
Other | 2 |  | — |  | 2 |  | (4) |  | 2 |  | (2) |
Total | $ | 1,909 |  | (454) |  | 1,455 |  | (4,901) |  | 1,455 |  | (3,446) |
The tables below present the activity of the components of OCI and AOCI for the nine months ended:
| Total OCI | Total AOCI
September 30, 2025 ($ in millions) | Pre-tax Activity | Tax Effect | Net Activity | Beginning Balance | Net Activity | Ending Balance
Unrealized holding gains on available-for-sale debt securities arising during the year | $ | 1,175 |  | (285) |  | 890 |  |  |  |
Reclassification adjustment for net gains on available-for-sale debt securities included in net income | — |  | — |  | — |  |  |  |
Net unrealized losses on available-for-sale debt securities | 1,175 |  | (285) |  | 890 |  | (3,280) |  | 890 |  | (2,390) |
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income | 91 |  | (19) |  | 72 |  |  |  |
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities | 91 |  | (19) |  | 72 |  | (684) |  | 72 |  | (612) |
Unrealized holding gains on cash flow hedge derivatives arising during the year | 373 |  | (89) |  | 284 |  |  |  |
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income | 149 |  | (36) |  | 113 |  |  |  |
Net unrealized losses on cash flow hedge derivatives | 522 |  | (125) |  | 397 |  | (654) |  | 397 |  | (257) |
Net actuarial loss arising during the year | (1) |  | — |  | (1) |  |  |  |
Reclassification of amounts to net periodic benefit costs | 2 |  | — |  | 2 |  |  |  |
Defined benefit pension plans, net | 1 |  | — |  | 1 |  | (16) |  | 1 |  | (15) |
Other | — |  | — |  | — |  | (2) |  | — |  | (2) |
Total | $ | 1,789 |  | (429) |  | 1,360 |  | (4,636) |  | 1,360 |  | (3,276) |
| Total OCI | Total AOCI
September 30, 2024 ($ in millions) | Pre-tax Activity | Tax Effect | Net Activity | Beginning Balance | Net Activity | Ending Balance
Unrealized holding gains on available-for-sale debt securities arising during period | $ | 1,001 |  | (238) |  | 763 |  |  |  |
Unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities | 994 |  | (209) |  | 785 |  |  |  |
Reclassification adjustment for net losses on available-for-sale debt securities included in net income | 17 |  | (4) |  | 13 |  |  |  |
Net unrealized losses on available-for-sale debt securities | 2,012 |  | (451) |  | 1,561 |  | (4,094) |  | 1,561 |  | (2,533) |
Unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities | (994) |  | 209 |  | (785) |  |  |  |
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income | 97 |  | (21) |  | 76 |  |  |  |
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities | (897) |  | 188 |  | (709) |  | — |  | (709) |  | (709) |
Unrealized holding losses on cash flow hedge derivatives arising during period | (29) |  | 7 |  | (22) |  |  |  |
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income | 270 |  | (62) |  | 208 |  |  |  |
Net unrealized losses on cash flow hedge derivatives | 241 |  | (55) |  | 186 |  | (372) |  | 186 |  | (186) |
Reclassification of amounts to net periodic benefit costs | 1 |  | — |  | 1 |  |  |  |
Defined benefit pension plans, net | 1 |  | — |  | 1 |  | (17) |  | 1 |  | (16) |
Other | 2 |  | — |  | 2 |  | (4) |  | 2 |  | (2) |
Total | $ | 1,359 |  | (318) |  | 1,041 |  | (4,487) |  | 1,041 |  | (3,446) |
The table below presents reclassifications out of AOCI:
| Condensed Consolidated Statements of Income Caption | For the three months ended September 30, | For the nine months ended September 30,
($ in millions) | 2025 | 2024 | 2025 | 2024
Net unrealized losses on available-for-sale debt securities:(a) |  |  |  |  |
Net losses included in net income | Securities gains, net | $ | — |  | (11) |  | — |  | (17) |
| Income before income taxes | — |  | (11) |  | — |  | (17) |
| Applicable income tax expense | — |  | 2 |  | — |  | 4 |
| Net income | — |  | (9) |  | — |  | (13) |
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities:(a) |  |  |  |  |
Net losses included in net income | Interest on securities | (31) |  | (33) |  | (91) |  | (97) |
| Income before income taxes | (31) |  | (33) |  | (91) |  | (97) |
| Applicable income tax expense | 6 |  | 7 |  | 19 |  | 21 |
| Net income | (25) |  | (26) |  | (72) |  | (76) |
Net unrealized losses on cash flow hedge derivatives:(a) |  |  |  |  |
Interest rate contracts related to C&I, commercial mortgage and commercial construction loans | Interest and fees on loans and leases | (43) |  | (91) |  | (149) |  | (270) |
| Income before income taxes | (43) |  | (91) |  | (149) |  | (270) |
| Applicable income tax expense | 10 |  | 21 |  | 36 |  | 62 |
| Net income | (33) |  | (70) |  | (113) |  | (208) |
Net periodic benefit costs:(a) |  |  |  |  |
Amortization of net actuarial loss | Compensation and benefits(b) | (1) |  | (1) |  | (1) |  | (1) |
Settlements | Compensation and benefits(b) | (1) |  | — |  | (1) |  | — |
| Income before income taxes | (2) |  | (1) |  | (2) |  | (1) |
| Applicable income tax expense | — |  | — |  | — |  | — |
| Net income | (2) |  | (1) |  | (2) |  | (1) |
Other:(a) |  |  |  |  |
Net losses included in net income | Other noninterest expense | — |  | (2) |  | — |  | (2) |
| Income before income taxes | — |  | (2) |  | — |  | (2) |
| Applicable income tax expense | — |  | — |  | — |  | — |
| Net income | — |  | (2) |  | — |  | (2) |
Total reclassifications for the period | Net income | $ | (60) |  | (108) |  | (187) |  | (300) |
(a)Amounts in parentheses indicate reductions to net income. (b)This AOCI component is included in the computation of net periodic benefit cost. Refer to Note 22 of the Notes to Consolidated Financial Statements included in the Bancorp’s Annual Report on Form 10-K for the year ended December 31, 2024 for further information.

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