
	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)


	Total OCI				Total AOCI
June 30, 2024 ($ 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	$	(5)	4	(1)

Reclassification adjustment for net losses on available-for-sale debt securities included in net income	4		(1)	3
Net unrealized losses on available-for-sale debt securities	(1)		3	2	(3,488)	2	(3,486)


Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income	32		(7)	25
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities	32		(7)	25	(760)	25	(735)

Unrealized holding losses on cash flow hedge derivatives arising during period	(145)		36	(109)
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income	90		(21)	69
Net unrealized losses on cash flow hedge derivatives	(55)		15	(40)	(619)	(40)	(659)



Defined benefit pension plans, net	—		—	—	(17)	—	(17)

Other	—		—	—	(4)	—	(4)
Total	$	(24)	11	(13)	(4,888)	(13)	(4,901)


	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 the year	$	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 the year	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)


	Total OCI				Total AOCI
June 30, 2024 ($ 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	$	(241)	59	(182)
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	7		(2)	5
Net unrealized losses on available-for-sale debt securities	760		(152)	608	(4,094)	608	(3,486)

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	64		(14)	50
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities	(930)		195	(735)	—	(735)	(735)

Unrealized holding losses on cash flow hedge derivatives arising during period	(557)		132	(425)
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income	179		(41)	138
Net unrealized losses on cash flow hedge derivatives	(378)		91	(287)	(372)	(287)	(659)



Defined benefit pension plans, net	—		—	—	(17)	—	(17)

Other	—		—	—	(4)	—	(4)
Total	$	(548)	134	(414)	(4,487)	(414)	(4,901)


	Condensed Consolidated Statements of Income Caption	For the three months ended June 30,			For the six months ended June 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	$	—	(4)	—	(7)
	Income before income taxes	—		(4)	—	(7)
	Applicable income tax expense	—		1	—	2
	Net income	—		(3)	—	(5)
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	(28)		(32)	(60)	(64)
	Income before income taxes	(28)		(32)	(60)	(64)
	Applicable income tax expense	6		7	13	14
	Net income	(22)		(25)	(47)	(50)
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	(50)		(90)	(105)	(179)
	Income before income taxes	(50)		(90)	(105)	(179)
	Applicable income tax expense	12		21	25	41
	Net income	(38)		(69)	(80)	(138)












Total reclassifications for the period	Net income	$	(60)	(97)	(127)	(193)