NONINTEREST INCOME

9 Months Ended

Sep. 30, 2019

Other Income and Expenses [Abstract]

NONINTEREST INCOME

NOTE 14 - NONINTEREST INCOME

Revenues from Contracts with Customers

The following table presents the components of revenue from contracts with customers disaggregated by revenue stream and business operating segment:

	Three Months Ended September 30, 2019						Three Months Ended September 30, 2018
(in millions)	Consumer Banking		Commercial Banking		Consolidated (1)		Consumer Banking		Commercial Banking		Consolidated (1)
Service charges and fees		$102		$25		$127		$105		$26		$131
Card fees	57		10		67		51		10		61
Capital markets fees	—		38		38		—		46		46
Trust and investment services fees	50		—		50		45		—		45
Other banking fees	1		2		3		—		2		2
Total revenue from contracts with customers		$210		$75		$285		$201		$84		$285

	Nine Months Ended September 30, 2019						Nine Months Ended September 30, 2018
(in millions)	Consumer Banking		Commercial Banking		Consolidated (1)		Consumer Banking		Commercial Banking		Consolidated (1)
Service charges and fees		$298		$77		$375		$303		$79		$382
Card fees	162		28		190		154		28		182
Capital markets fees	—		140		140		—		134		134
Trust and investment services fees	150		—		150		128		—		128
Other banking fees	1		7		8		—		7		7
Total revenue from contracts with customers		$611		$252		$863		$585		$248		$833

⁽¹⁾ There is no revenue from contracts with customers included in Other non-segment operations.

The Company recognized trailing commissions of $4 million for the three months ended September 30, 2019 and 2018 and $11 million and $12 million for the nine months ended September 30, 2019 and 2018, respectively, related to services provided in previous reporting periods. Fees from other investment services are recognized at a point in time upon completion of the service.

Revenue from Other Sources

	Three Months Ended September 30,				Nine Months Ended September 30,
(in millions)	2019		2018		2019		2018
Bank-owned life insurance		$14		$14		$41		$42