v3.25.2
Business Segments (Tables)
 6 Months Ended
Jun. 30, 2025
Segment Reporting [Abstract]  
Schedule of Movements Between Segments The following table summarizes the impacts of the movements from the Commercial Banking segment to the Consumer & Small Business Banking segment for the years ended December 31:
($ in millions)202420232022
Net interest income (FTE)$103 13574
Income before income taxes (FTE)6810543
Average assets714686660
Results of Operations and Assets by Segment
The following tables present the results of operations and average assets by segment for the three months ended:
June 30, 2025 ($ 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 losses79 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 revenue132 22 — (2)152 
Consumer banking revenue— 146 1 — 147 
Capital markets fees89 1 — — 90 
Commercial banking revenue78 1 — — 79 
Mortgage banking net revenue— 56 — — 56 
Other noninterest income22 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 communications3 8 — 115 126 
Net occupancy expense9 54 3 17 83 
Equipment expense8 13 — 20 41 
Marketing expense1 31 — 11 43 
Loan and lease expense8 21 — 7 36 
Card and processing expense3 19 — — 22 
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 $2 for General Corporate and Other.
(b)Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses.
(c)General Corporate and Other is not a reportable segment and is presented for reconciliation purposes.
June 30, 2024 ($ in millions)Commercial
Banking		Consumer
and Small Business
Banking		Wealth
and Asset
Management
General
Corporate
and Other(c)
Total
Net interest income (FTE)(a)
$634 1,081 54 (376)1,393 
Provision for (benefit from) credit losses137 70 — (110)97 
Net interest income after provision for (benefit from) credit losses$497 1,011 54 (266)1,296 
Noninterest income:

Wealth and asset management revenue$1 62 96 — 159 
Commercial payments revenue132 22 — — 154 
Consumer banking revenue— 138 1 — 139 
Capital markets fees91 1 1 — 93 
Commercial banking revenue89 1 — — 90 
Mortgage banking net revenue— 50 — — 50 
Other noninterest income14 1 — (8)7 
Securities gains (losses), net(7)— — 10 3 
Total noninterest income$320 275 98 2 695 
Noninterest expense:

Compensation and benefits$153 229 52 222 656 
Technology and communications3 8 — 103 114 
Net occupancy expense8 54 3 18 83 
Equipment expense7 13 — 18 38 
Marketing expense1 19 — 14 34 
Loan and lease expense6 22 — 5 33 
Card and processing expense2 19 — — 21 
Other noninterest expense(b)
265 274 38 (335)242 
Total noninterest expense$445 638 93 45 1,221 
Income (loss) before income taxes (FTE)(a)
$372 648 59 (309)770 
Average assets$76,912 51,837 4,283 79,443 212,475 
(a)Includes FTE adjustments of $4 for Commercial Banking and $2 for General Corporate and Other.
(b)Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses.
(c)General Corporate and Other is not a reportable segment and is presented for reconciliation purposes.
The following tables present the results of operations and average assets by segment for the six months ended:
June 30, 2025 ($ 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 losses159 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 revenue265 41 1 (2)305 
Consumer banking revenue— 282 1 1 284 
Capital markets fees178 1 1 (1)179 
Commercial banking revenue157 2 1 — 160 
Mortgage banking net revenue— 112 1 — 113 
Other noninterest income28 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 communications7 15 — 228 250 
Net occupancy expense18 108 7 38 171 
Equipment expense16 29 — 37 82 
Marketing expense2 50 — 19 71 
Loan and lease expense14 39 1 12 66 
Card and processing expense6 36 1 — 43 
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 $4 for General Corporate and Other.
(b)Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses.
(c)General Corporate and Other is not a reportable segment and is presented for reconciliation purposes.
June 30, 2024 ($ in millions)Commercial
Banking		Consumer and Small Business BankingWealth
and Asset
Management
General
Corporate
and Other(c)
Total
Net interest income (FTE)(a)
$1,298 2,232 112 (859)2,783 
Provision for (benefit from) credit losses208 154 — (171)191 
Net interest income after provision for (benefit from) credit losses$1,090 2,078 112 (688)2,592 
Noninterest income:

Wealth and asset management revenue$2 121 197 — 320
Commercial payments revenue255 43 — — 298 
Consumer banking revenue— 273 1 1 275 
Capital markets fees188 1 1 — 190 
Commercial banking revenue173 1 — — 174 
Mortgage banking net revenue— 104 — — 104 
Other noninterest income30 3 1 (2)32 
Securities gains (losses), net(6)— — 19 13 
Total noninterest income$642 546 200 18 1,406 
Noninterest expense:

Compensation and benefits$339 466 114 490 1,409 
Technology and communications8 14 — 209 231 
Net occupancy expense18 107 6 39 170 
Equipment expense14 26 — 36 76 
Marketing expense1 42 — 23 66 
Loan and lease expense12 39 — 11 62 
Card and processing expense4 37 1 (1)41 
Other noninterest expense(b)
540 558 74 (665)507 
Total noninterest expense$936 1,289 195 142 2,562 
Income (loss) before income taxes (FTE)(a)
$796 1,335 117 (812)1,436 
Average assets$77,163 51,600 4,348 79,728 212,839 
(a)Includes FTE adjustments of $8 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.