| Schedule of Selected Financial Data for Our Business Segments |
| | | | | | | | | | | | | | | | | | | | | | | | Year ended December 31, | Consumer Bank | | Commercial Bank | | Dollars in millions | 2025 | 2024 | 2023 | | 2025 | 2024 | 2023 | SUMMARY OF OPERATIONS | | | | | | | | Net interest income (TE) | $ | 2,932 | | $ | 2,926 | | $ | 2,961 | | | $ | 2,665 | | $ | 2,758 | | $ | 2,982 | | Noninterest income | 957 | | 924 | | 938 | | | 1,763 | | 1,646 | | 1,448 | | Total revenue (TE) (a) | 3,889 | | 3,850 | | 3,899 | | | 4,428 | | 4,404 | | 4,430 | | Provision for credit losses | 169 | | 126 | | 111 | | | 299 | | 227 | | 379 | | | Personnel expense | 902 | | 849 | | 832 | | | 784 | | 734 | | 702 | | | Other direct noninterest expense | 561 | | 599 | | 690 | | | 292 | | 350 | | 438 | | | Support and overhead | 1,333 | | 1,263 | | 1,256 | | | 839 | | 758 | | 673 | | | | | | | | | | Allocated income taxes (benefit) and TE adjustments | 224 | | 245 | | 242 | | | 480 | | 515 | | 498 | | Income (loss) from continuing operations | 700 | | 768 | | 768 | | | 1,734 | | 1,820 | | 1,740 | | Income (loss) from discontinued operations, net of taxes | — | | — | | — | | | — | | — | | — | | Net income (loss) | $ | 700 | | $ | 768 | | $ | 768 | | | $ | 1,734 | | $ | 1,820 | | $ | 1,740 | | | | | | | | | | | | | | | | | | AVERAGE BALANCES (b) | | | | | | | | Loans and leases | $ | 35,744 | | $ | 38,744 | | $ | 41,777 | | | $ | 69,409 | | $ | 68,503 | | $ | 75,795 | | Total assets (a) | 38,760 | | 41,613 | | 44,593 | | | 79,107 | | 77,966 | | 85,873 | | Deposits | 87,932 | | 85,851 | | 82,793 | | | 58,113 | | 58,077 | | 55,100 | | OTHER FINANCIAL DATA | | | | | | | | Expenditures for additions to long-lived assets (a), (b) | $ | 71 | | $ | 75 | | $ | 72 | | | $ | 4 | | $ | — | | $ | 3 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | Year ended December 31, | Other | | Key | | Dollars in millions | 2025 | 2024 | 2023 | | 2025 | 2024 | 2023 | | SUMMARY OF OPERATIONS | | | | | | | | | Net interest income (TE) | $ | (926) | | $ | (1,874) | | $ | (2,000) | | | $ | 4,671 | | $ | 3,810 | | $ | 3,943 | | | Noninterest income | 122 | | (1,761) | | 84 | | | 2,842 | | 809 | | 2,470 | | Total revenue (TE) (a) | (804) | | (3,635) | | (1,916) | | | 7,513 | | 4,619 | | 6,413 | | | Provision for credit losses | 3 | | (18) | | (1) | | | 471 | | 335 | | 489 | | | Personnel expense | 1,231 | | 1,131 | | 1,126 | | | 2,917 | | 2,714 | | 2,660 | | | Other direct noninterest expense | 933 | | 882 | | 946 | | | 1,786 | | 1,831 | | 2,074 | | | Support and overhead | (2,172) | | (2,021) | | (1,929) | | | — | | — | | — | | | | | | | | | | | Allocated income taxes (benefit) and TE adjustments | (193) | | (858) | | (514) | | | 511 | | (98) | | 226 | | | Income (loss) from continuing operations | (606) | | (2,751) | | (1,544) | | | 1,828 | | (163) | | 964 | | | Income (loss) from discontinued operations, net of taxes | 1 | | 2 | | 3 | | | 1 | | 2 | | 3 | | | Net income (loss) | $ | (605) | | $ | (2,749) | | $ | (1,541) | | | $ | 1,829 | | $ | (161) | | $ | 967 | | | | | | | | | | | | | | | | | | AVERAGE BALANCES (b) | | | | | | | | | Loans and leases | $ | 507 | | $ | 477 | | $ | 432 | | | $ | 105,660 | | $ | 107,724 | | $ | 118,004 | | Total assets (a) | 68,897 | | 67,236 | | 61,161 | | | 186,764 | | 186,815 | | 191,627 | | | Deposits | 3,231 | | 2,227 | | 6,166 | | | 149,276 | | 146,155 | | 144,059 | | | OTHER FINANCIAL DATA | | | | | | | | Expenditures for additions to long-lived assets (a), (b) | $ | 69 | | $ | 115 | | $ | 118 | | | $ | 144 | | $ | 190 | | $ | 193 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
(a)Substantially all revenue generated by our reportable business segments is derived from clients that reside in the United States. Substantially all long-lived assets, including premises and equipment, capitalized software, and goodwill held by our reportable business segments, are located in the United States. (b)From continuing operations.
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