BUSINESS OPERATING SEGMENTS (Tables)

12 Months Ended

Dec. 31, 2024

Segment Reporting [Abstract]

Schedule of segment reporting information

	Year Ended December 31, 2024
(dollars in millions)	Consumer Banking	Commercial Banking	Non-Core	Other	Consolidated
Net interest income	$4,565	$1,950	($117)	($765)	$5,633
Noninterest income	1,131	908	—	137	2,176
Total revenue	5,696	2,858	(117)	(628)	7,809
Direct expenses(1)(2)	2,325	835	4	2,070	5,234
Indirect expenses(3)	1,353	406	94	(1,853)	—
Noninterest expense	3,678	1,241	98	217	5,234
Profit (loss) before provision (benefit) for credit losses	2,018	1,617	(215)	(845)	2,575
Provision (benefit) for credit losses	331	353	61	(58)	687
Income (loss) before income tax expense (benefit)	1,687	1,264	(276)	(787)	1,888
Income tax expense (benefit)	434	291	(70)	(276)	379
Net income (loss)	$1,253	$973	($206)	($511)	$1,509
Total average assets	$75,037	$68,478	$8,942	$66,567	$219,024

(1) Represents operating expenses incurred by the business operating segments and primarily includes salaries and employee benefits, equipment and software, outside services, and occupancy.

(2) Includes depreciation and amortization of $113 million, $26 million and $312 million, respectively, for the Consumer Banking, Commercial Banking and Other business operating segments.

(3) Represents allocated corporate overhead from support functions such as finance, risk, human resources, and information technology.

	Year Ended December 31, 2023
(dollars in millions)	Consumer Banking	Commercial Banking	Non-Core	Other	Consolidated
Net interest income	$4,187	$2,292	($129)	($109)	$6,241
Noninterest income	1,067	784	—	132	1,983
Total revenue	5,254	3,076	(129)	23	8,224
Direct expenses(1)(2)	2,244	857	13	2,393	5,507
Indirect expenses(3)	1,298	438	110	(1,846)	—
Noninterest expense	3,542	1,295	123	547	5,507
Profit (loss) before provision (benefit) for credit losses	1,712	1,781	(252)	(524)	2,717
Provision (benefit) for credit losses	280	250	78	79	687
Income (loss) before income tax expense (benefit)	1,432	1,531	(330)	(603)	2,030
Income tax expense (benefit)	373	378	(86)	(243)	422
Net income (loss)	$1,059	$1,153	($244)	($360)	$1,608
Total average assets	$72,693	$76,028	$13,745	$59,755	$222,221

(1) Represents operating expenses incurred by the business operating segments and primarily includes salaries and employee benefits, equipment and software, outside services, and occupancy.

(2) Includes depreciation and amortization of $106 million, $30 million and $291 million, respectively, for the Consumer Banking, Commercial Banking and Other business operating segments.

(3) Represents allocated corporate overhead from support functions such as finance, risk, human resources, and information technology.

	Year Ended December 31, 2022
(dollars in millions)	Consumer Banking	Commercial Banking	Non-Core	Other	Consolidated
Net interest income	$3,649	$2,103	$378	($118)	$6,012
Noninterest income	1,063	845	—	101	2,009
Total revenue	4,712	2,948	378	(17)	8,021
Direct expenses(1)(2)	2,103	820	23	1,946	4,892
Indirect expenses(3)	1,152	403	113	(1,668)	—
Noninterest expense	3,255	1,223	136	278	4,892
Profit (loss) before provision (benefit) for credit losses	1,457	1,725	242	(295)	3,129
Provision (benefit) for credit losses	174	46	52	202	474
Income (loss) before income tax expense (benefit)	1,283	1,679	190	(497)	2,655
Income tax expense (benefit)	328	375	48	(169)	582
Net income (loss)	$955	$1,304	$142	($328)	$2,073
Total average assets	$68,027	$74,919	$18,121	$53,994	$215,061

(1) Represents operating expenses incurred by the business operating segments and primarily includes salaries and employee benefits, equipment and software, outside services, and occupancy.

(2) Includes depreciation and amortization of $97 million, $27 million and $274 million, respectively, for the Consumer Banking, Commercial Banking and Other business operating segments.

(3) Represents allocated corporate overhead from support functions such as finance, risk, human resources, and information technology.