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v3.26.1

Business Segments (Tables) | 6 Months Ended
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Jun. 30, 2026
Segment Reporting [Abstract] |
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:
June 30, 2026 ($ in millions) | Commercial Banking |  | Consumer and Small Business Banking | Wealth and Asset Management | General Corporate and Other(d) |  | Total
Net interest income (FTE)(a) | $ | 1,115 |  |  | 1,237 |  | 113 |  | (245) |  |  | 2,220 |
Provision for (benefit from) credit losses | 25 |  |  | 82 |  | (4) |  | 26 |  |  | 129 |
Net interest income after provision for (benefit from) credit losses | $ | 1,090 |  |  | 1,155 |  | 117 |  | (271) |  |  | 2,091 |
Noninterest income: |  |  |  |  |  |  |
Wealth and asset management revenue | $ | 1 |  |  | 79 |  | 181 |  | (5) |  |  | 256 |
Commercial payments revenue | 220 |  |  | 37 |  | 2 |  | (5) |  |  | 254 |
Consumer banking revenue | — |  |  | 160 |  | 1 |  | — |  |  | 161 |
Capital markets fees | 152 |  |  | 1 |  | 1 |  | — |  |  | 154 |
Commercial banking revenue | 122 |  |  | 2 |  | 1 |  | — |  |  | 125 |
Mortgage banking net revenue | — |  |  | 39 |  | — |  | — |  |  | 39 |
Other noninterest income(b) | 11 |  |  | 3 |  | — |  | 36 |  |  | 50 |
Securities gains, net | 1 |  |  | — |  | — |  | 19 |  |  | 20 |
Total noninterest income | $ | 507 |  |  | 321 |  | 186 |  | 45 |  |  | 1,059 |
Noninterest expense: |  |  |  |  |  |  |
Compensation and benefits | $ | 232 |  |  | 302 |  | 91 |  | 504 |  |  | 1,129 |
Technology and communications | 5 |  |  | 15 |  | 1 |  | 229 |  |  | 250 |
Net occupancy expense | 12 |  |  | 82 |  | 5 |  | 55 |  |  | 154 |
Card and processing expense | 44 |  |  | 22 |  | — |  | — |  |  | 66 |
Equipment expense | 7 |  |  | 19 |  | — |  | 34 |  |  | 60 |
Marketing expense | — |  |  | 44 |  | — |  | 21 |  |  | 65 |
Loan and lease expense | 23 |  |  | 22 |  | 1 |  | 7 |  |  | 53 |
Other noninterest expense(c) | 434 |  |  | 354 |  | 87 |  | (543) |  |  | 332 |
Total noninterest expense | $ | 757 |  |  | 860 |  | 185 |  | 307 |  |  | 2,109 |
Income (loss) before income taxes (FTE)(a) | $ | 840 |  |  | 616 |  | 118 |  | (533) |  |  | 1,041 |
Average assets | $ | 127,324 |  |  | 61,896 |  | 10,128 |  | 98,600 |  |  | 297,948 |
(a)Includes FTE adjustments of $3 for Commercial Banking and $2 for General Corporate and Other. (b)Includes impairment charges of $1 for bank premises and equipment recorded in General Corporate and Other. For more information, refer to Note 21. (c)Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (d)General Corporate and Other is not a reportable segment and is presented for reconciliation purposes.
June 30, 2025 ($ in millions) | Commercial Banking |  | Consumer and Small Business Banking | Wealth and Asset Management | General Corporate and Other(c) |  | Total
Net interest income (FTE)(a) | $ | 595 |  |  | 1,085 |  | 57 |  | (237) |  |  | 1,500 |
Provision for (benefit from) credit losses | 79 |  |  | 84 |  | (2) |  | 12 |  |  | 173 |
Net interest income after provision for (benefit from) credit losses | $ | 516 |  |  | 1,001 |  | 59 |  | (249) |  |  | 1,327 |
Noninterest income: |  |  |  |  |  |  |
Wealth and asset management revenue | $ | — |  |  | 66 |  | 100 |  | — |  |  | 166 |
Commercial payments revenue | 132 |  |  | 22 |  | — |  | (2) |  |  | 152 |
Consumer banking revenue | — |  |  | 146 |  | 1 |  | — |  |  | 147 |
Capital markets fees | 89 |  |  | 1 |  | — |  | — |  |  | 90 |
Commercial banking revenue | 78 |  |  | 1 |  | — |  | — |  |  | 79 |
Mortgage banking net revenue | — |  |  | 56 |  | — |  | — |  |  | 56 |
Other noninterest income | 22 |  |  | 1 |  | — |  | 21 |  |  | 44 |
Securities gains, net | — |  |  | — |  | — |  | 16 |  |  | 16 |
Total noninterest income | $ | 321 |  |  | 293 |  | 101 |  | 35 |  |  | 750 |
Noninterest expense: |  |  |  |  |  |  |
Compensation and benefits | $ | 151 |  |  | 230 |  | 55 |  | 262 |  |  | 698 |
Technology and communications | 3 |  |  | 8 |  | — |  | 115 |  |  | 126 |
Net occupancy expense | 9 |  |  | 54 |  | 3 |  | 17 |  |  | 83 |
Card and processing expense | 3 |  |  | 19 |  | — |  | — |  |  | 22 |
Equipment expense | 8 |  |  | 13 |  | — |  | 20 |  |  | 41 |
Marketing expense | 1 |  |  | 31 |  | — |  | 11 |  |  | 43 |
Loan and lease expense | 8 |  |  | 21 |  | — |  | 7 |  |  | 36 |
Other noninterest expense(b) | 270 |  |  | 270 |  | 37 |  | (362) |  |  | 215 |
Total noninterest expense | $ | 453 |  |  | 646 |  | 95 |  | 70 |  |  | 1,264 |
Income (loss) before income taxes (FTE)(a) | $ | 384 |  |  | 648 |  | 65 |  | (284) |  |  | 813 |
Average assets | $ | 78,309 |  |  | 55,696 |  | 4,855 |  | 71,694 |  |  | 210,554 |
(a)Includes FTE adjustments of $3 for Commercial Banking and $2 for General Corporate and Other. (b)Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (c)General Corporate and Other is not a reportable segment and is presented for reconciliation purposes. The following tables present the results of operations and average assets by segment for the six months ended:
June 30, 2026 ($ in millions) | Commercial Banking |  | Consumer and Small Business Banking | Wealth and Asset Management | General Corporate and Other(d) |  | Total
Net interest income (FTE)(a) | $ | 1,994 |  |  | 2,310 |  | 195 |  | (340) |  |  | 4,159 |
Provision for (benefit from) credit losses | 184 |  |  | 171 |  | (5) |  | 6 |  |  | 356 |
Net interest income after provision for (benefit from) credit losses | $ | 1,810 |  |  | 2,139 |  | 200 |  | (346) |  |  | 3,803 |
Noninterest income: |  |  |  |  |  |  |
Wealth and asset management revenue | $ | 1 |  |  | 154 |  | 343 |  | (9) |  |  | 489 |
Commercial payments revenue | 411 |  |  | 68 |  | 3 |  | (10) |  |  | 472 |
Consumer banking revenue | — |  |  | 306 |  | 1 |  | — |  |  | 307 |
Capital markets fees | 287 |  |  | 1 |  | 1 |  | (2) |  |  | 287 |
Commercial banking revenue | 225 |  |  | 3 |  | 2 |  | — |  |  | 230 |
Mortgage banking net revenue | — |  |  | 82 |  | 1 |  | — |  |  | 83 |
Other noninterest income(b) | 22 |  |  | 4 |  | 1 |  | 51 |  |  | 78 |
Securities gains, net | 1 |  |  | — |  | — |  | 7 |  |  | 8 |
Total noninterest income | $ | 947 |  |  | 618 |  | 352 |  | 37 |  |  | 1,954 |
Noninterest expense: |  |  |  |  |  |  |
Compensation and benefits | $ | 479 |  |  | 593 |  | 179 |  | 1,288 |  |  | 2,539 |
Technology and communications | 11 |  |  | 27 |  | 3 |  | 412 |  |  | 453 |
Net occupancy expense | 24 |  |  | 159 |  | 10 |  | 102 |  |  | 295 |
Card and processing expense | 72 |  |  | 40 |  | 1 |  | 31 |  |  | 144 |
Equipment expense | 16 |  |  | 37 |  | — |  | 62 |  |  | 115 |
Marketing expense | 1 |  |  | 76 |  | — |  | 37 |  |  | 114 |
Loan and lease expense | 36 |  |  | 45 |  | 1 |  | 13 |  |  | 95 |
Other noninterest expense(c) | 851 |  |  | 692 |  | 174 |  | (968) |  |  | 749 |
Total noninterest expense | $ | 1,490 |  |  | 1,669 |  | 368 |  | 977 |  |  | 4,504 |
Income (loss) before income taxes (FTE)(a) | $ | 1,267 |  |  | 1,088 |  | 184 |  | (1,286) |  |  | 1,253 |
Average assets | $ | 117,734 |  |  | 61,030 |  | 9,256 |  | 93,819 |  |  | 281,839 |
(a)Includes FTE adjustments of $6 for Commercial Banking and $4 for General Corporate and Other. (b)Includes impairment charges of $24 for bank premises and equipment recorded in General Corporate and Other. For more information, refer to Note 21. (c)Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (d)General Corporate and Other is not a reportable segment and is presented for reconciliation purposes.
June 30, 2025 ($ in millions) | Commercial Banking |  | Consumer and Small Business Banking | Wealth and Asset Management | General Corporate and Other(c) |  | Total
Net interest income (FTE)(a) | $ | 1,147 |  |  | 2,060 |  | 106 |  | (371) |  |  | 2,942 |
Provision for (benefit from) credit losses | 159 |  |  | 168 |  | (2) |  | 22 |  |  | 347 |
Net interest income after provision for (benefit from) credit losses | $ | 988 |  |  | 1,892 |  | 108 |  | (393) |  |  | 2,595 |
Noninterest income: |  |  |  |  |  |  |
Wealth and asset management revenue | $ | 1 |  |  | 132 |  | 205 |  | — |  |  | 338 |
Commercial payments revenue | 265 |  |  | 41 |  | 1 |  | (2) |  |  | 305 |
Consumer banking revenue | — |  |  | 282 |  | 1 |  | 1 |  |  | 284 |
Capital markets fees | 178 |  |  | 1 |  | 1 |  | (1) |  |  | 179 |
Commercial banking revenue | 157 |  |  | 2 |  | 1 |  | — |  |  | 160 |
Mortgage banking net revenue | — |  |  | 112 |  | 1 |  | — |  |  | 113 |
Other noninterest income | 28 |  |  | 3 |  | 1 |  | 26 |  |  | 58 |
Securities gains (losses), net | (7) |  |  | — |  | — |  | 14 |  |  | 7 |
Total noninterest income | $ | 622 |  |  | 573 |  | 211 |  | 38 |  |  | 1,444 |
Noninterest expense: |  |  |  |  |  |  |
Compensation and benefits | $ | 329 |  |  | 465 |  | 117 |  | 536 |  |  | 1,447 |
Technology and communications | 7 |  |  | 15 |  | — |  | 228 |  |  | 250 |
Net occupancy expense | 18 |  |  | 108 |  | 7 |  | 38 |  |  | 171 |
Card and processing expense | 6 |  |  | 36 |  | 1 |  | — |  |  | 43 |
Equipment expense | 16 |  |  | 29 |  | — |  | 37 |  |  | 82 |
Marketing expense | 2 |  |  | 50 |  | — |  | 19 |  |  | 71 |
Loan and lease expense | 14 |  |  | 39 |  | 1 |  | 12 |  |  | 66 |
Other noninterest expense(b) | 572 |  |  | 553 |  | 77 |  | (764) |  |  | 438 |
Total noninterest expense | $ | 964 |  |  | 1,295 |  | 203 |  | 106 |  |  | 2,568 |
Income (loss) before income taxes (FTE)(a) | $ | 646 |  |  | 1,170 |  | 116 |  | (461) |  |  | 1,471 |
Average assets | $ | 78,125 |  |  | 55,054 |  | 4,757 |  | 72,620 |  |  | 210,556 |
(a)Includes FTE adjustments of $6 for Commercial Banking and $4 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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