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Sales of Receivables and Servicing Rights (Tables)

6 Months Ended

Jun. 30, 2026

Transfers and Servicing [Abstract]

Activity Related to Mortgage Banking Net Revenue

Information related to residential mortgage loan sales and the Bancorp’s residential mortgage banking activity, which is included in mortgage banking net revenue in the Condensed Consolidated Statements of Income, is as follows:

			For the three months ended June 30,						For the six months ended June 30,
($ in millions)			2026			2025			2026			2025
Residential mortgage loan sales(a)			$	1,632		1,171			2,913			2,174
Origination fees and gains on residential mortgage loan sales			21			19			44			34
Gross residential mortgage servicing fees			71			73			141			147

(a)Represents the unpaid principal balance at the time of the sale.

Changes in Servicing Assets

The following table presents changes in the residential mortgage servicing rights for the six months ended June 30:

($ in millions)			2026			2025
Balance, beginning of period			$	1,598		1,704
Servicing rights originated			58			25
Changes in fair value:
Due to changes in inputs or assumptions(a)			6			(25)
Other changes in fair value(b)			(80)			(75)
Balance, end of period			$	1,582		1,629

(a)Primarily reflects changes in prepayment speed and OAS assumptions which are updated based on market interest rates.

(b)Primarily reflects changes due to realized cash flows and the passage of time.

Servicing Assets and Residual Interests Economic Assumptions

The key economic assumptions used in measuring the servicing rights related to residential mortgage loans that continued to be held by the Bancorp at the date of sale, securitization or purchase resulting from transactions completed during the three months ended June 30, 2026 and 2025 were as follows:

			June 30, 2026												June 30, 2025
			Weighted- Average Life (in years)			Prepayment Speed (annual)			OAS (bps)						Weighted- Average Life (in years)			Prepayment Speed (annual)			OAS (bps)
Fixed-rate residential mortgage loans			8.3			9.0		%	549						6.0			12.1		%	496

Sensitivity of the Current Fair Value of Residual Cash Flows to Immediate 10%, 20% and 50% Adverse Changes in Assumptions

At June 30, 2026, the sensitivity of the current fair value of residual cash flows to immediate 10%, 20% and 50% adverse changes in prepayment speed assumptions and immediate 10% and 20% adverse changes in OAS for servicing rights related to residential mortgage loans are as follows:

($ in millions)(a)									Prepayment Speed Assumption															OAS Assumption
			Fair Value			Weighted- Average Life (in years)						Impact of Adverse Change on Fair Value												OAS (bps)			Impact of Adverse Change on Fair Value
									Rate			10%			20%			50%									10%			20%
Fixed-rate			$	1,579		7.7			6.8		%	$	(38)		(73)			(170)						376			$	(27)		(54)
Adjustable-rate			3			4.1			21.1			—			(1)			(2)						702			—			(1)

(a)The impact of the weighted-average default rate on the current fair value of residual cash flows for all scenarios is immaterial.

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No definition available.

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- Definition

Tabular disclosure of all information related to the key inputs and assumptions used in measuring the fair value of assets obtained or liabilities incurred, as the result of a sale of financial assets, relating to the transferor's continuing involvement, if any, at the time of securitization, asset-backed financing arrangement, or similar transfer (including at a minimum, but not limited to, and if applicable, quantitative information about discount rates, expected prepayments including the expected weighted-average life of prepayable financial assets, and anticipated credit losses, including expected static pool losses).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (cc)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

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- Definition

Tabular disclosure of a sensitivity analysis or stress test showing the hypothetical effect on the fair value of the transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) of two or more unfavorable variations from the expected levels for each key assumption that is reported, independently determined from any change in another key assumption, and a description of the objectives, methodology, and limitations of the sensitivity analysis or stress test.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

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- Definition

Tabular disclosure of activity in the balance of servicing assets subsequently measured at amortized cost. Includes, but is not limited to, beginning and ending balances, additions, disposals, and amortization.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-4

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