CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Operating Activities
Net income	$ 624	$ 727
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	140	210
Deferred income tax expense (benefit)	(21)	23
Depreciation and amortization of premises and equipment	41	41
Amortization of intangible assets	33	36
Net other amortization and accretion	8	14
Net (increase) decrease in trading securities	604	1,063
Net (increase) decrease in derivatives	(3)	(289)
Stock-based compensation expense	44	21
Securities (gains) losses, net	(2)	(1)
Loans held for sale:
Purchases and originations	(2,072)	(1,834)
Gross proceeds from settlements and sales	1,392	860
(Gain) loss due to fair value adjustments and other	(57)	32
Other operating activities, net	346	31
Total adjustments	453	207
Net cash provided by operating activities	1,077	934
Investing Activities
Proceeds from maturities of securities available for sale	614	678
Purchases of securities available for sale	(271)	(228)
Proceeds from prepayments of securities held to maturity	44	40
Proceeds from sales of premises and equipment	8	0
Purchases of premises and equipment	(27)	(23)
Net (increase) decrease in loans and leases	(1,221)	(3,784)
Net (increase) decrease in interest-bearing deposits with banks	43	(533)
Other investing activities, net	8	17
Net cash used in investing activities	(802)	(3,833)
Common stock:
Stock options exercised	1	5
Cash dividends paid	(252)	(251)
Repurchase of shares	(462)	(10)
Preferred stock:
Series D preferred stock redemption	(100)	0
Cash dividends paid - preferred stock - noncontrolling interest	(15)	(12)
Cash dividends paid - preferred stock	(24)	(24)
Net increase (decrease) in deposits	794	3,526
Net increase (decrease) in short-term borrowings	37	1
Proceeds from issuance of term borrowings	25	0
Repayment of term borrowing	(6)	(450)
Increases (decreases) in term borrowings	32	9
Net cash provided by financing activities	30	2,794
Net increase (decrease) in cash and cash equivalents	305	(105)
Cash and cash equivalents at beginning of period	1,731	1,543
Cash and cash equivalents at end of period	2,036	1,438
Supplemental Disclosures
Total interest paid	1,392	961
Total taxes paid	93	122
Total taxes refunded	6	15
Transfer from loans to OREO	3	3
Transfer from loans HFS to trading securities	746	919
Preferred stock conversion to common stock	$ 0	$ 493