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Revenue Recognition
 6 Months Ended
Jun. 30, 2024
Revenue Recognition and Deferred Revenue [Abstract]  
REVENUE RECOGNITION REVENUE RECOGNITION
We derive our revenue primarily from interest income on loans and securities. Only noninterest income is considered to be revenue from contracts with customers in scope of ASC 606. For more information about our revenue recognition from contracts, see Note 17 of our 2023 Form 10-K.
Disaggregation of Revenue
The following schedule presents net revenue by operating business segment for the three months ended June 30, 2024 and 2023:
Zions BankCB&TAmegy
(In millions)202420232024202320242023
Commercial account fees
$14 $14 $8 $8 $14 $14 
Card fees
13 13 4 5 8 8 
Retail and business banking fees
5 5 3 3 3 4 
Capital markets fees
— — — — — — 
Wealth management fees5 6 1 1 5 4 
Other customer-related fees2 2 2 2 2 2 
Total noninterest income from contracts with customers (ASC 606)
39 40 18 19 32 32 
Other noninterest income (non-ASC 606 customer-related)
6 6 10 14 7 8 
Total customer-related noninterest income
45 46 28 33 39 40 
Other noncustomer-related noninterest income
2 3 2 2 3 15 
Total noninterest income
47 49 30 35 42 55 
Other real estate owned gain from sale1 — — — — — 
Net interest income
171 178 144 152 119 116 
Total net revenue
$219 $227 $174 $187 $161 $171 
NBAZNSBVectra
(In millions)202420232024202320242023
Commercial account fees
$3 $2 $4 $3 $2 $2 
Card fees
4 4 4 4 3 2 
Retail and business banking fees
2 2 2 3 1 1 
Capital markets fees
— — — — — — 
Wealth management fees1 1 2 1 — 1 
Other customer-related fees— — — — 1 1 
Total noninterest income from contracts with customers (ASC 606)
10 9 12 11 7 7 
Other noninterest income (non-ASC 606 customer-related)
1 1 — — — — 
Total customer-related noninterest income
11 10 12 11 7 7 
Other noncustomer-related noninterest income
(1)1 4 — — — 
Total noninterest income
10 11 16 11 7 7 
Other real estate owned gain from sale— — — — — — 
Net interest income
59 64 49 49 36 38 
Total net revenue
$69 $75 $65 $60 $43 $45 
TCBWOtherConsolidated Bank
(In millions)202420232024202320242023
Commercial account fees
$1 $1 $(1)$1 $45 $45 
Card fees
1 1 — — 37 37 
Retail and business banking fees
— — — (2)16 16 
Capital markets fees
— — 1 1 1 1 
Wealth management fees— — (1)— 13 14 
Other customer-related fees— — 7 8 14 15 
Total noninterest income from contracts with customers (ASC 606)
2 2 6 8 126 128 
Other noninterest income (non-ASC 606 customer-related)
— — 4 5 28 34 
Total customer-related noninterest income
2 2 10 13 154 162 
Other noncustomer-related noninterest income
— — 15 6 25 27 
Total noninterest income
2 2 25 19 179 189 
Other real estate owned gain from sale— — — — 1 — 
Net interest income
15 15 4 (21)597 591 
Total net revenue
$17 $17 $29 $(2)$777 $780 
The following schedule presents net revenue by operating business segment for the six months ended June 30, 2024 and 2023:
Zions BankCB&TAmegy
(In millions)202420232024202320242023
Commercial account fees
$28 $28 $15 $15 $29 $28 
Card fees
25 26 10 10 15 16 
Retail and business banking fees
9 9 6 6 7 7 
Capital markets fees
— — — — — — 
Wealth management fees11 12 2 2 9 8 
Other customer-related fees4 4 4 4 3 3 
Total noninterest income from contracts with customers (ASC 606)
77 79 37 37 63 62 
Other noninterest income (non-ASC 606 customer-related)
10 13 16 19 15 17 
Total customer-related noninterest income
87 92 53 56 78 79 
Other noncustomer-related noninterest income
3 7 3 3 5 17 
Total noninterest income
90 99 56 59 83 96 
Other real estate owned gain from sale1 — — — — — 
Net interest income
336 363 284 311 232 240 
Total net revenue
$427 $462 $340 $370 $315 $336 
NBAZNSBVectra
(In millions)202420232024202320242023
Commercial account fees
$5 $5 $7 $7 $3 $3 
Card fees
8 7 8 8 5 4 
Retail and business banking fees
4 4 5 5 2 2 
Capital markets fees
— — — — — — 
Wealth management fees2 2 3 3 1 1 
Other customer-related fees1 1 — — 2 2 
Total noninterest income from contracts with customers (ASC 606)
20 19 23 23 13 12 
Other noninterest income (non-ASC 606 customer-related)
1 1 1 — — 1 
Total customer-related noninterest income
21 20 24 23 13 13 
Other noncustomer-related noninterest income
(1)1 4 — — — 
Total noninterest income
20 21 28 23 13 13 
Other real estate owned gain from sale— — — — — — 
Net interest income
119 129 96 99 73 79 
Total net revenue
$139 $150 $124 $122 $86 $92 
TCBWOtherConsolidated Bank
(In millions)202420232024202320242023
Commercial account fees
$1 $1 $1 $1 $89 $88 
Card fees
1 1 — — 72 72 
Retail and business banking fees
— — — (1)33 32 
Capital markets fees
— — 2 2 2 2 
Wealth management fees— — (1)(1)27 27 
Other customer-related fees— 1 14 15 28 30 
Total noninterest income from contracts with customers (ASC 606)
2 3 16 16 251 251 
Other noninterest income (non-ASC 606 customer-related)
1 — 10 11 54 62 
Total customer-related noninterest income
3 3 26 27 305 313 
Other noncustomer-related noninterest income
— — 16 8 30 36 
Total noninterest income
3 3 42 35 335 349 
Other real estate owned gain from sale— — — — 1 — 
Net interest income
29 31 14 18 1,183 1,270 
Total net revenue
$32 $34 $56 $53 $1,519 $1,619 
Revenue from contracts with customers did not generate significant contract assets and liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Payment terms vary by services offered, and the timing between completion of performance obligations and payment is generally not significant.