v3.26.3
Operating Segments (Tables)
 9 Months Ended
Sep. 30, 2026
Segment Reporting [Abstract]  
Segment Reporting
The following table presents results by segment:

Three Months Ended September 30,
(Dollars in millions)		CSBBWB
OT&C(1)
Total
20262025202620252026202520262025
Net interest income (expense)$1,670 $1,571 $1,878 $2,029 $115 $29 $3,663 $3,629 
Net intersegment interest income (expense)1,047 850 (317)(451)(730)(399)— — 
Segment net interest income (expense)2,717 2,421 1,561 1,578 (615)(370)3,663 3,629 
Allocated provision (benefit) for credit losses(299)400 47 36 (1)— (253)436 
Noninterest income468 530 1,215 1,142 (1,599)(114)84 1,558 
Personnel expense459 449 632 598 762 701 1,853 1,748 
Amortization of intangibles33 38 29 34 — — 62 72 
Other direct noninterest expense(2)
319 281 185 199 686 714 1,190 1,194 
Total direct noninterest expense811 768 846 831 1,448 1,415 3,105 3,014 
Expense allocations988 942 551 487 (1,539)(1,429)— — 
Total noninterest expense1,799 1,710 1,397 1,318 (91)(14)3,105 3,014 
Income (loss) before income taxes from continuing operations1,685 841 1,332 1,366 (2,122)(470)895 1,737 
Provision (benefit) for income taxes409 205 284 283 (597)(203)96 285 
Segment net income (loss) from continuing operations$1,276 $636 $1,048 $1,083 $(1,525)$(267)$799 $1,452 
Identifiable assets (period end) of continuing operations(3)
$147,510 $153,895 $227,929 $219,108 $178,757 $170,848 $554,196 $543,851 
Nine Months Ended September 30,
(Dollars in millions)		CSBBWB
OT&C(1)
Total
20262025202620252026202520262025
Net interest income (expense)$4,901 $4,502 $5,740 $5,784 $242 $437 $10,883 $10,723 
Net intersegment interest income (expense)2,912 2,488 (1,137)(1,139)(1,775)(1,349)— — 
Segment net interest income (expense)7,813 6,990 4,603 4,645 (1,533)(912)10,883 10,723 
Allocated provision (benefit) for credit losses382 1,111 242 272 (3)(1)621 1,382 
Noninterest income1,526 1,552 3,443 3,030 (1,688)(232)3,281 4,350 
Personnel expense1,335 1,317 1,870 1,729 2,167 1,984 5,372 5,030 
Amortization of intangibles100 115 89 105 — — 189 220 
Other direct noninterest expense(2)
924 854 572 594 2,086 2,208 3,582 3,656 
Total direct noninterest expense2,359 2,286 2,531 2,428 4,253 4,192 9,143 8,906 
Expense allocations2,841 2,803 1,600 1,525 (4,441)(4,328)— — 
Total noninterest expense5,200 5,089 4,131 3,953 (188)(136)9,143 8,906 
Income (loss) before income taxes from continuing operations3,757 2,342 3,673 3,450 (3,030)(1,007)4,400 4,785 
Provision (benefit) for income taxes918 571 772 696 (1,123)(435)567 832 
Segment net income (loss) from continuing operations$2,839 $1,771 $2,901 $2,754 $(1,907)$(572)$3,833 $3,953 
Identifiable assets (period end) of continuing operations(3)
$147,510 $153,895 $227,929 $219,108 $178,757 $170,848 $554,196 $543,851 
(1)As described above, includes the Company’s investment securities portfolio, most long-term debt, derivative instruments used for balance sheet hedging, short-term liquidity and funding activities, balance sheet risk management, most bank-owned real estate assets, as well as functional activities such as finance, enterprise risk, legal, and enterprise technology, data, and operations. Additionally, OT&C includes intersegment eliminations, including for residual interest rate risk, intersegment net referral fees, and expense allocations. May also include financial data from business units below the quantitative and qualitative thresholds requiring disclosure.
(2)Other direct noninterest expense includes expenses for net occupancy, equipment, professional fees and outside processing, regulatory costs, and other expenses.
(3)For the purpose of presenting identifiable assets of continuing operations by segment, the majority of the ALLL resides in OT&C which is consistent with the CODM’s review of segment loan portfolios on a gross basis.