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Accumulated Other Comprehensive Income

6 Months Ended

Jun. 30, 2026

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
June 30, 2026 ($ in millions)			Pre-tax Activity			Tax Effect			Net Activity			Beginning Balance			Net Activity			Ending Balance
Unrealized holding losses on available-for-sale debt securities arising during period			$	(97)		22			(75)
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			(80)			18			(62)			(2,331)			(62)			(2,393)
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income			30			(6)			24
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities			30			(6)			24			(565)			24			(541)
Unrealized holding losses on cash flow hedge derivatives arising during period			(118)			28			(90)
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income			21			(5)			16
Net unrealized losses on cash flow hedge derivatives			(97)			23			(74)			(321)			(74)			(395)
Net actuarial gain arising during period			83			(19)			64
Reclassification of amounts to net periodic benefit costs			(5)			1			(4)
Defined benefit pension plans, net			78			(18)			60			(15)			60			45
Other			—			—			—			(2)			—			(2)
Total			$	(69)		17			(52)			(3,234)			(52)			(3,286)

			Total OCI									Total AOCI
June 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			$	237		(58)			179
Reclassification adjustment for net losses on available-for-sale debt securities included in net income			—			—			—
Net unrealized losses on available-for-sale debt securities			237			(58)			179			(2,799)			179			(2,620)
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income			28			(6)			22
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities			28			(6)			22			(659)			22			(637)
Unrealized holding gains on cash flow hedge derivatives arising during period			144			(34)			110
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income			50			(12)			38
Net unrealized losses on cash flow hedge derivatives			194			(46)			148			(419)			148			(271)
Defined benefit pension plans, net			—			—			—			(16)			—			(16)
Other			—			—			—			(2)			—			(2)
Total			$	459		(110)			349			(3,895)			349			(3,546)

The tables below present the activity of the components of OCI and AOCI for the six months ended:

			Total OCI									Total AOCI
June 30, 2026 ($ in millions)			Pre-tax Activity			Tax Effect			Net Activity			Beginning Balance			Net Activity			Ending Balance
Unrealized holding losses on available-for-sale debt securities    arising during period			$	(227)		51			(176)
Reclassification adjustment for net losses on available-for-sale debt    securities included in net income			18			(4)			14
Net unrealized losses on available-for-sale debt securities			(209)			47			(162)			(2,231)			(162)			(2,393)
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income			57			(11)			46
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities			57			(11)			46			(587)			46			(541)
Unrealized holding losses on cash flow hedge derivatives arising    during period			(199)			47			(152)
Reclassification adjustment for net losses on cash flow hedge    derivatives included in net income			42			(10)			32
Net unrealized losses on cash flow hedge derivatives			(157)			37			(120)			(275)			(120)			(395)
Net actuarial gain arising during period			83			(19)			64
Reclassification of amounts to net periodic benefit costs			(5)			1			(4)
Defined benefit pension plans, net			78			(18)			60			(15)			60			45
Other			—			—			—			(2)			—			(2)
Total			$	(231)		55			(176)			(3,110)			(176)			(3,286)

			Total OCI									Total AOCI
June 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			$	870		(210)			660
Reclassification adjustment for net gains on available-for-sale debt securities included in net income			—			—			—
Net unrealized losses on available-for-sale debt securities			870			(210)			660			(3,280)			660			(2,620)
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income			60			(13)			47
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities			60			(13)			47			(684)			47			(637)
Unrealized holding gains on cash flow hedge derivatives arising during period			399			(96)			303
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income			105			(25)			80
Net unrealized losses on cash flow hedge derivatives			504			(121)			383			(654)			383			(271)
Defined benefit pension plans, net			—			—			—			(16)			—			(16)
Other			—			—			—			(2)			—			(2)
Total			$	1,434		(344)			1,090			(4,636)			1,090			(3,546)

The table below presents reclassifications out of AOCI:

			Condensed Consolidated Statements of Income Caption			For the three months ended June 30,						For the six months ended June 30,
($ in millions)						2026			2025			2026			2025
Net unrealized losses on available-for-sale debt securities:(a)
Net losses included in net income			Securities gains, net			$	(17)		—			(18)			—
			Income before income taxes			(17)			—			(18)			—
			Applicable income tax expense			4			—			4			—
			Net income			(13)			—			(14)			—
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			(30)			(28)			(57)			(60)
			Income before income taxes			(30)			(28)			(57)			(60)
			Applicable income tax expense			6			6			11			13
			Net income			(24)			(22)			(46)			(47)
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			(21)			(50)			(42)			(105)
			Income before income taxes			(21)			(50)			(42)			(105)
			Applicable income tax expense			5			12			10			25
			Net income			(16)			(38)			(32)			(80)
Net periodic benefit costs:(a)
Amortization of net actuarial loss			Other noninterest expense(b)			(1)			—			(1)			—
Curtailment gain			Other noninterest expense(b)			6			—			6			—
			Income before income taxes			5			—			5			—
			Applicable income tax expense			(1)			—			(1)			—
			Net income			4			—			4			—
Total reclassifications for the period			Net income			$	(49)		(60)			(88)			(127)

(a)Amounts in parentheses indicate reductions to net income.

(b)This AOCI component is included in the computation of net periodic pension benefit. Refer to Note 18 for further information.

X

- Definition

The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(19))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(21))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(23))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 220
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/220/tableOfContent

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X

- References

No definition available.

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