NONINTEREST INCOME (Tables)

12 Months Ended

Dec. 31, 2024

Other Income and Expenses [Abstract]

Components of revenue from contracts with customers

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

	Year Ended December 31, 2024
(dollars in millions)	Consumer Banking	Commercial Banking	Non-Core	Other	Consolidated
Service charges and fees	$288	$128	$—	$1	$417
Card fees	284	54	—	24	362
Capital markets fees	—	445	—	—	445
Wealth fees(1)	294	—	—	—	294
Other banking fees	3	12	—	—	15
Total revenue from contracts with customers	$869	$639	$—	$25	$1,533
Total revenue from other sources(2)	262	269	—	112	643
Total noninterest income	$1,131	$908	$—	$137	$2,176

	Year Ended December 31, 2023
(dollars in millions)	Consumer Banking	Commercial Banking	Non-Core	Other	Consolidated
Service charges and fees	$277	$131	$—	$1	$409
Card fees	244	47	—	—	291
Capital markets fees	—	293	—	—	293
Wealth fees(1)	259	—	—	—	259
Other banking fees	3	11	—	—	14
Total revenue from contracts with customers	$783	$482	$—	$1	$1,266
Total revenue from other sources(2)	284	302	—	131	717
Total noninterest income	$1,067	$784	$—	$132	$1,983

	Year Ended December 31, 2022
(dollars in millions)	Consumer Banking	Commercial Banking	Non-Core	Other	Consolidated
Service charges and fees	$291	$124	$—	$3	$418
Card fees	228	43	—	—	271
Capital markets fees	—	341	—	—	341
Wealth fees(1)	249	1	—	—	250
Other banking fees	1	17	—	1	19
Total revenue from contracts with customers	$769	$526	$—	$4	$1,299
Total revenue from other sources(2)	294	319	—	97	710
Total noninterest income	$1,063	$845	$—	$101	$2,009

(1) See Note 1 for information regarding updates to the Consolidated Statements of Operations during 2024.

(2) Includes bank-owned life insurance income of $108 million, $93 million and $88 million for the years ended December 31, 2024, 2023 and 2022, respectively.

The Company