BUSINESS SEGMENTS (Tables)

9 Months Ended

Sep. 30, 2015

Segment Reporting [Abstract]

Schedule of segment reporting information

	As of and for the Three Months Ended September 30, 2015
(in millions)	Consumer Banking		Commercial Banking		Other		Consolidated
Net interest income		$556		$299		$1		$856
Noninterest income	235		100		18		353
Total revenue	791		399		19		1,209
Noninterest expense	623		175		—		798
Profit before provision for credit losses	168		224		19		411
Provision for credit losses	64		3		9		76
Income before income tax expense	104		221		10		335
Income tax expense	36		76		3		115
Net income		$68		$145		$7		$220
Total average assets		$53,206		$43,113		$38,784		$135,103

	As of and for the Three Months September 30, 2014
(in millions)	Consumer Banking		Commercial Banking		Other			Consolidated
Net interest income		$532		$270		$18			$820
Noninterest income	226		104		11			341
Total revenue	758		374		29			1,161
Noninterest expense	609		162		39			810
Profit (loss) before provision for credit losses	149		212		(10		)	351
Provision for credit losses	66		—		11			77
Income (loss) before income tax expense (benefit)	83		212		(21		)	274
Income tax expense (benefit)	29		73		(17		)	85
Net income (loss)	54		139		(4		)	189
Total average assets		$49,012		$38,854		$40,825			$128,691

	As of and for the Nine Months Ended September 30, 2015
(in millions)	Consumer Banking		Commercial Banking			Other			Consolidated
Net interest income		$1,633		$861			$38			$2,532
Noninterest income	684		308			68			1,060
Total revenue	2,317		1,169			106			3,592
Noninterest expense	1,832		529			88			2,449
Profit before provision for credit losses	485		640			18			1,143
Provision for credit losses	187		(11		)	35			211
Income (loss) before income tax expense (benefit)	298		651			(17		)	932
Income tax expense (benefit)	103		224			(14		)	313
Net income (loss)		$195		$427			($3	)		$619
Total average assets		$52,438		$42,451			$39,766			$134,655

	As of and for the Nine Months Ended September 30, 2014
(in millions)	Consumer Banking		Commercial Banking			Other		Consolidated
Net interest income		$1,615		$790			$56		$2,461
Noninterest income	681		318			340		1,339
Total revenue	2,296		1,108			396		3,800
Noninterest expense	1,902		472			194		2,568
Profit before provision for credit losses	394		636			202		1,232
Provision for credit losses	195		(7		)	59		247
Income before income tax expense	199		643			143		985
Income tax expense	69		222			26		317
Net income	130		421			117		668
Total average assets		$48,398		$37,951			$40,249		$126,598