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Pay vs Performance Disclosure
 12 Months Ended
Dec. 31, 2022
USD ($)
Dec. 31, 2021
USD ($)
Dec. 31, 2020
USD ($)
Pay vs Performance Disclosure [Table]      
Pay vs Performance [Table Text Block]
PAY VERSUS PERFORMANCE
As required by Section 953(a) of the Dodd-Frank Wall Street Reform and Consumer Protection Act and Item 402(v) of Regulation
S-K,
we are providin
g
the following information about the relationship between executive compensation actually paid (as defined by SEC rules) (
CAP
) and certain financial performance measures of the Company. The CNGC did not consider the pay versus performance disclosure when making its incentive compensation decisions. For further information about how we align executive compensation with the Company’s performance, refer to
Compensation Discussion and Analysis
earlier in this proxy statement. The amounts in the table below are calculated in accordance with SEC rules and do not represent amounts actually earned or realized by our NEOs, including with respect to RSUs and PSUs. Refer to the
Other Compensation Tables
earlier in this proxy statement for more information.
The following table sets forth the compensation for our PEO and the average compensation for our other NEOs, each as reported in the Summary Compensation Table (
SCT
) and with certain adjustments to reflect CAP. The table also provides information with respect to cumulative TSR, peer group cumulative TSR, net income, and the Company’s selected performance measure, Core ROTCE.
 
Year
   
Summary
Compensation
Table Total
for PEO
(a)
     
Compensation
Actually Paid
to PEO
(b)
     
Average
Compensation
Summary
Table Total
for
Non-PEO
Named
Executive
Officers
(a)
     
Average
Compensation
Actually Paid
to
Non-PEO
Named
Executive
Officers
(b)
     
Value of Initial Fixed

$100

Investment Based On:
     
Net
Income
($ in
billions)
(e)
     
Core
ROTCE
(f)
  
  
Total
Shareholder
Return
($)
(c)
     
Peer Group
Total
Shareholder
Return
($)
(d)
  
                 
2022
      14,439,223        4,257,400        4,163,136        1,912,795        87        118        1.7        20.5%  
                 
2021
      15,545,746        21,790,378        4,555,956        6,064,786        164        132        3.1        24.3%  
                 
2020
      11,622,074        15,378,775        3,386,884        4,217,807        121        98        1.1        9.1%  
 
(a)
Compensation for our PEO, Mr. J. Brown, reflects the amounts reported in the SCT for each respective year. Mr. J. Brown served as our PEO for the entirety of 2022, 2021, and 2020. Average compensation for our other NEOs in 2022 includes the following individuals: Mr. B. Brown, Ms. Morais, Mr. Stengel, Mr. Timmerman, and Ms. LaClair. Average compensation for our other NEOs in 2020 and 2021 includes the following individuals: Ms. LaClair, Ms. Morais, Mr. Stengel, and Mr. Timmerman.
 
(b)
Reflects CAP for the PEO and average CAP for our other NEOs, respectively, calculated as set forth in the table below in accordance with SEC rules. These amounts do not reflect the actual amount of compensation earned by or paid to the PEO and other NEOs during the applicable year. For information regarding the compensation decisions made by the CNGC for 2022, refer to
Compensation Discussion and Analysis
earlier in this proxy statement.
     
PEO 2022
    
Other
NEOs
2022
    
PEO 2021
     
Other
NEOs
2021
     
PEO 2020
     
Other
NEOs
2020
  
             
Total Compensation as Reported in SCT
      14,439,223       4,163,136       15,545,746        4,555,956        11,622,074        3,386,884  
             
Less
Stock Award Value Reported in Summary Compensation Table for the Covered Year
      9,104,715       2,106,717       9,599,579        2,315,564        6,903,212        1,671,955  
             
Plus
Fiscal
Year-End
Fair Value for Awards Granted in the Covered Year and that were Outstanding and Unvested as of the End of the Covered Fiscal Year
      4,663,153       1,081,707       8,259,859        1,992,621        7,753,340        1,866,899  
             
Change
in Fair Value of Outstanding Unvested Awards from Prior Years that were Outstanding as of the End of the Covered Fiscal Year
      (6,776,222 )      (1,443,688 )      5,974,406        1,482,603        1,773,979        380,106  
             
Change
as of the Vesting Date in Fair Value of Awards from Prior Years that Vested in the Covered Fiscal Year
      225,458       46,160       741,708        154,065        375,912        69,224  
             
Plus
Dividends Accumulated on Awards in the Covered Year Prior to the Vesting Date that are not Otherwise Included in Total Compensation for the Covered Year
      639,278       141,698       689,786        171,000        756,682        182,676  
             
Plus
Fair Value as of the Vesting Date for Awards Granted and Vested in the Covered Year
      171,225       30,499       178,452        24,107        -        3,973  
             
Compensation Actually Paid
   
 
4,257,400
 
  
 
1,912,795
 
  
 
21,790,378
 
   
 
6,064,786
 
   
 
15,378,775
 
   
 
4,217,807
 
(c)
TSR is cumulative for the measurement periods beginning on December 31, 2019, and ending on December 31 of each of 2020, 2021, and 2022, respectively, calculated in accordance with Item 201(e) of Regulation
S-K.
 
(d)
Represents cumulative TSR for the S&P Financials Index
.
 
(e)
Reflects GAAP net income as reported in the Company’s Consolidated Statement of Income in its 2020, 2021, and 2022 Annual Reports on Form
10-K.
 
(f)
This is a
non-GAAP
financial measure. Refer to
Appendix A
for applicable definitions and reconciliations.
   
Company Selected Measure Name Core ROTCE    
Named Executive Officers, Footnote [Text Block] Average compensation for our other NEOs in 2022 includes the following individuals: Mr. B. Brown, Ms. Morais, Mr. Stengel, Mr. Timmerman, and Ms. LaClair. Average compensation for our other NEOs in 2020 and 2021 includes the following individuals: Ms. LaClair, Ms. Morais, Mr. Stengel, and Mr. Timmerman    
Peer Group Issuers, Footnote [Text Block]
(d)
Represents cumulative TSR for the S&P Financials Index
.
    
PEO Total Compensation Amount $ 14,439,223 $ 15,545,746 $ 11,622,074
PEO Actually Paid Compensation Amount $ 4,257,400 21,790,378 15,378,775
Adjustment To PEO Compensation, Footnote [Text Block]
(b)
Reflects CAP for the PEO and average CAP for our other NEOs, respectively, calculated as set forth in the table below in accordance with SEC rules. These amounts do not reflect the actual amount of compensation earned by or paid to the PEO and other NEOs during the applicable year. For information regarding the compensation decisions made by the CNGC for 2022, refer to
Compensation Discussion and Analysis
earlier in this proxy statement.
     
PEO 2022
    
Other
NEOs
2022
    
PEO 2021
     
Other
NEOs
2021
     
PEO 2020
     
Other
NEOs
2020
  
             
Total Compensation as Reported in SCT
      14,439,223       4,163,136       15,545,746        4,555,956        11,622,074        3,386,884  
             
Less
Stock Award Value Reported in Summary Compensation Table for the Covered Year
      9,104,715       2,106,717       9,599,579        2,315,564        6,903,212        1,671,955  
             
Plus
Fiscal
Year-End
Fair Value for Awards Granted in the Covered Year and that were Outstanding and Unvested as of the End of the Covered Fiscal Year
      4,663,153       1,081,707       8,259,859        1,992,621        7,753,340        1,866,899  
             
Change
in Fair Value of Outstanding Unvested Awards from Prior Years that were Outstanding as of the End of the Covered Fiscal Year
      (6,776,222 )      (1,443,688 )      5,974,406        1,482,603        1,773,979        380,106  
             
Change
as of the Vesting Date in Fair Value of Awards from Prior Years that Vested in the Covered Fiscal Year
      225,458       46,160       741,708        154,065        375,912        69,224  
             
Plus
Dividends Accumulated on Awards in the Covered Year Prior to the Vesting Date that are not Otherwise Included in Total Compensation for the Covered Year
      639,278       141,698       689,786        171,000        756,682        182,676  
             
Plus
Fair Value as of the Vesting Date for Awards Granted and Vested in the Covered Year
      171,225       30,499       178,452        24,107        -        3,973  
             
Compensation Actually Paid
   
 
4,257,400
 
  
 
1,912,795
 
  
 
21,790,378
 
   
 
6,064,786
 
   
 
15,378,775
 
   
 
4,217,807
 
    
Non-PEO NEO Average Total Compensation Amount $ 4,163,136 4,555,956 3,386,884
Non-PEO NEO Average Compensation Actually Paid Amount $ 1,912,795 6,064,786 4,217,807
Adjustment to Non-PEO NEO Compensation Footnote [Text Block]
(b)
Reflects CAP for the PEO and average CAP for our other NEOs, respectively, calculated as set forth in the table below in accordance with SEC rules. These amounts do not reflect the actual amount of compensation earned by or paid to the PEO and other NEOs during the applicable year. For information regarding the compensation decisions made by the CNGC for 2022, refer to
Compensation Discussion and Analysis
earlier in this proxy statement.
     
PEO 2022
    
Other
NEOs
2022
    
PEO 2021
     
Other
NEOs
2021
     
PEO 2020
     
Other
NEOs
2020
  
             
Total Compensation as Reported in SCT
      14,439,223       4,163,136       15,545,746        4,555,956        11,622,074        3,386,884  
             
Less
Stock Award Value Reported in Summary Compensation Table for the Covered Year
      9,104,715       2,106,717       9,599,579        2,315,564        6,903,212        1,671,955  
             
Plus
Fiscal
Year-End
Fair Value for Awards Granted in the Covered Year and that were Outstanding and Unvested as of the End of the Covered Fiscal Year
      4,663,153       1,081,707       8,259,859        1,992,621        7,753,340        1,866,899  
             
Change
in Fair Value of Outstanding Unvested Awards from Prior Years that were Outstanding as of the End of the Covered Fiscal Year
      (6,776,222 )      (1,443,688 )      5,974,406        1,482,603        1,773,979        380,106  
             
Change
as of the Vesting Date in Fair Value of Awards from Prior Years that Vested in the Covered Fiscal Year
      225,458       46,160       741,708        154,065        375,912        69,224  
             
Plus
Dividends Accumulated on Awards in the Covered Year Prior to the Vesting Date that are not Otherwise Included in Total Compensation for the Covered Year
      639,278       141,698       689,786        171,000        756,682        182,676  
             
Plus
Fair Value as of the Vesting Date for Awards Granted and Vested in the Covered Year
      171,225       30,499       178,452        24,107        -        3,973  
             
Compensation Actually Paid
   
 
4,257,400
 
  
 
1,912,795
 
  
 
21,790,378
 
   
 
6,064,786
 
   
 
15,378,775
 
   
 
4,217,807
 
    
Compensation Actually Paid vs. Total Shareholder Return [Text Block]
Company
 
TSR ($)
 
    
Compensation Actually Paid vs. Net Income [Text Block]
Net Income ($)
 
    
Compensation Actually Paid vs. Company Selected Measure [Text Block]
Core ROTCE
 
(%)
 
    
Total Shareholder Return Vs Peer Group [Text Block]
Peer Group TSR ($)
 
    
Tabular List [Table Text Block]
Financial Performance Measures
The following table sets forth an unranked list of performance measures that we view as the “most important” financial performance measures that we use for linking CAP to our NEOs performance for the most recently completed fiscal year.
 
   
Performance Measures
    
     
    Core ROTCE    
     
    Total Shareholder Value    
     
    Adjusted Earnings Per Share    
     
    Total Adjusted Revenue    
     
    Core
Pre-Tax
Income		    
     
    Net Interest Margin    
     
    Consolidated Net Charge Offs    
    
Total Shareholder Return Amount $ 87 164 121
Peer Group Total Shareholder Return Amount 118 132 98
Net Income (Loss) $ 1,700,000,000 $ 3,100,000,000 $ 1,100,000,000
Company Selected Measure Amount 0.205 0.243 0.091
PEO Name Mr. J. Brown    
Measure [Axis]: 1      
Pay vs Performance Disclosure [Table]      
Measure Name Core ROTCE    
Non-GAAP Measure Description [Text Block]
(f)
This is a
non-GAAP
financial measure. Refer to
Appendix A
for applicable definitions and reconciliations.
   
Measure [Axis]: 2      
Pay vs Performance Disclosure [Table]      
Measure Name Total Shareholder Value    
Measure [Axis]: 3      
Pay vs Performance Disclosure [Table]      
Measure Name Adjusted Earnings Per Share    
Measure [Axis]: 4      
Pay vs Performance Disclosure [Table]      
Measure Name Total Adjusted Revenue    
Measure [Axis]: 5      
Pay vs Performance Disclosure [Table]      
Measure Name Core Pre-Tax Income    
Measure [Axis]: 6      
Pay vs Performance Disclosure [Table]      
Measure Name Net Interest Margin    
Measure [Axis]: 7      
Pay vs Performance Disclosure [Table]      
Measure Name Consolidated Net Charge Offs    
PEO [Member] | Stock Award Value Reported in Summary Compensation Table for the Covered Year [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount $ (9,104,715) $ (9,599,579) $ (6,903,212)
PEO [Member] | Fiscal Year End Fair Value for Awards Granted in the Covered Year and that were Outstanding and Unvested [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount 4,663,153 8,259,859 7,753,340
PEO [Member] | Change in Fair Value of Outstanding Unvested Awards from Prior Years that were Outstanding [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount 6,776,222 5,974,406 1,773,979
PEO [Member] | Change as of the Vesting Date in Fair Value of Awards from Prior Years that Vested [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount 225,458 741,708 375,912
PEO [Member] | Dividends Accumulated on Awards in the Covered Year Prior to the Vesting Date that are not Otherwise Included in Total Compensation [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount 639,278 689,786 756,682
PEO [Member] | Fair Value as of the Vesting Date for Awards Granted and Vested [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount 171,225 178,452 0
Non-PEO NEO [Member] | Stock Award Value Reported in Summary Compensation Table for the Covered Year [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount (2,106,717) (2,315,564) (1,671,955)
Non-PEO NEO [Member] | Fiscal Year End Fair Value for Awards Granted in the Covered Year and that were Outstanding and Unvested [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount 1,081,707 1,992,621 1,866,899
Non-PEO NEO [Member] | Change in Fair Value of Outstanding Unvested Awards from Prior Years that were Outstanding [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount 1,443,688 1,482,603 380,106
Non-PEO NEO [Member] | Change as of the Vesting Date in Fair Value of Awards from Prior Years that Vested [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount 46,160 154,065 69,224
Non-PEO NEO [Member] | Dividends Accumulated on Awards in the Covered Year Prior to the Vesting Date that are not Otherwise Included in Total Compensation [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount 141,698 171,000 182,676
Non-PEO NEO [Member] | Fair Value as of the Vesting Date for Awards Granted and Vested [Member]      
Pay vs Performance Disclosure [Table]      
Adjustment to Compensation Amount $ 30,499 $ 24,107 $ 3,973