NONINTEREST INCOME

6 Months Ended

Jun. 30, 2023

Other Income and Expenses [Abstract]

NONINTEREST INCOME

NOTE 13 - NONINTEREST INCOME

Revenues from Contracts with Customers

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

	Three Months Ended June 30, 2023				Three Months Ended June 30, 2022
(dollars in millions)	Consumer Banking	Commercial Banking	Other	Consolidated	Consumer Banking	Commercial Banking	Other	Consolidated
Service charges and fees	$66	$35	$—	$101	$73	$34	$1	$108
Card fees	67	11	—	78	60	10	—	70
Capital markets fees	—	76	—	76	—	90	—	90
Trust and investment services fees	65	—	—	65	66	—	—	66
Other banking fees	—	3	—	3	—	5	—	5
Total revenue from contracts with customers	$198	$125	$—	$323	$199	$139	$1	$339
Total revenue from other sources(1)	70	82	31	183	81	82	(8)	155
Total noninterest income	$268	$207	$31	$506	$280	$221	($7)	$494

	Six Months Ended June 30, 2023				Six Months Ended June 30, 2022
(dollars in millions)	Consumer Banking	Commercial Banking	Other	Consolidated	Consumer Banking	Commercial Banking	Other	Consolidated
Service charges and fees	$133	$67	$—	$200	$142	$61	$2	$205
Card fees	126	23	—	149	110	20	—	130
Capital markets fees	—	147	—	147	—	168	—	168
Trust and investment services fees	128	—	—	128	127	—	—	127
Other banking fees	1	7	—	8	1	7	1	9
Total revenue from contracts with customers	$388	$244	$—	$632	$380	$256	$3	$639
Total revenue from other sources(1)	136	164	59	359	157	178	18	353
Total noninterest income	$524	$408	$59	$991	$537	$434	$21	$992

(1) Includes bank-owned life insurance income of $23 million and $21 million for the three months ended June 30, 2023 and 2022, respectively, and $46 million and $42 million for the six months ended June 30, 2023 and 2022, respectively.

The Company recognized trailing commissions of $3 million and $4 million, respectively, for the three months ended June 30, 2023 and 2022, and $7 million and $8 million, respectively, for the six months ended June 30, 2023 and 2022 related to ongoing commissions from previous investment sales.