NOTE 13 - NONINTEREST INCOME A portion of the Company’s noninterest income relates to certain fee-based revenue earned from contracts with customers based on the amount of consideration expected to be received upon the transfer of control of a good or service. For a description of the components of revenue from contracts with customers and how each component is recognized for the principal products and services of the Company’s business segments, see Note 19 in the Company’s 2025 Form 10-K. The following tables present noninterest income segregated by revenue from contracts with customers and revenue from other sources, disaggregated by business segment. Revenue from other sources primarily includes income from letter of credit and loan fees, foreign exchange and derivative products, and mortgage banking fees. | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2026 | | (dollars in millions) | Consumer Banking | Commercial Banking | | Other | Consolidated | | Service charges and fees | $79 | | $39 | | | $— | | $118 | | | Capital markets fees | — | | 144 | | | — | | 144 | | Wealth fees | 102 | | — | | | — | | 102 | | | Card fees | 73 | | 13 | | | — | | 86 | | | Other banking fees | — | | 1 | | | — | | 1 | | | Total revenue from contracts with customers | $254 | | $197 | | | $— | | $451 | | Total revenue from other sources(1) | 60 | | 95 | | | 46 | | 201 | | | Total noninterest income | $314 | | $292 | | | $46 | | $652 | |
| | | | | | | | | | | | | | | | | Three Months Ended June 30, 2025 | | (dollars in millions) | Consumer Banking | Commercial Banking | | Other | Consolidated | | Service charges and fees | $77 | | $34 | | | $— | | $111 | | | Capital markets fees | — | | 95 | | | — | | 95 | | Wealth fees | 88 | | — | | | — | | 88 | | | Card fees | 74 | | 13 | | | — | | 87 | | | Other banking fees | — | | 2 | | | — | | 2 | | | Total revenue from contracts with customers | $239 | | $144 | | | $— | | $383 | | Total revenue from other sources(1) | 90 | | 88 | | | 39 | | 217 | | | Total noninterest income | $329 | | $232 | | | $39 | | $600 | |
| | | | | | | | | | | | | | | | | Six Months Ended June 30, 2026 | | (dollars in millions) | Consumer Banking | Commercial Banking | | Other | Consolidated | | Service charges and fees | $155 | | $74 | | | $— | | $229 | | | Capital markets fees | — | | 264 | | | — | | 264 | | Wealth fees | 202 | | — | | | — | | 202 | | | Card fees | 138 | | 24 | | | 4 | | 166 | | | Other banking fees | 1 | | 4 | | | — | | 5 | | | Total revenue from contracts with customers | $496 | | $366 | | | $4 | | $866 | | Total revenue from other sources(1) | 117 | | 189 | | | 86 | | 392 | | | Total noninterest income | $613 | | $555 | | | $90 | | $1,258 | |
| | | | | | | | | | | | | | | | | Six Months Ended June 30, 2025 | | (dollars in millions) | Consumer Banking | Commercial Banking | | Other | Consolidated | | Service charges and fees | $151 | | $68 | | | $— | | $219 | | | Capital markets fees | — | | 190 | | | — | | 190 | | Wealth fees | 169 | | — | | | — | | 169 | | | Card fees | 141 | | 26 | | | — | | 167 | | | Other banking fees | 1 | | 4 | | | — | | 5 | | | Total revenue from contracts with customers | $462 | | $288 | | | $— | | $750 | | Total revenue from other sources(1) | 164 | | 159 | | | 71 | | 394 | | | Total noninterest income | $626 | | $447 | | | $71 | | $1,144 | |
(1) Includes bank-owned life insurance income of $33 million and $28 million for the three months ended June 30, 2026 and 2025, respectively, and $62 million and $55 million for the six months ended June 30, 2026 and 2025, respectively. For the three months ended June 30, 2026 and 2025, the Company recognized trailing commissions of $5 million and $4 million, respectively, related to previous investment sales. For the six months ended June 30, 2026 and 2025, the Company recognized $9 million and $8 million, respectively.
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