BUSINESS SEGMENTS (Tables)

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Schedule of segment reporting information

	Year Ended December 31, 2025
(dollars in millions)	Consumer Banking	Commercial Banking	Other	Consolidated
Net interest income	$4,972	$1,778	($897)	$5,853
Noninterest income	1,252	995	147	2,394
Total revenue	6,224	2,773	(750)	8,247
Direct expenses(1)(2)	2,741	911	1,659	5,311
Indirect expenses(3)	1,139	423	(1,562)	—
Noninterest expense	3,880	1,334	97	5,311
Profit (loss) before provision (benefit) for credit losses	2,344	1,439	(847)	2,936
Provision (benefit) for credit losses	328	309	(29)	608
Income (loss) before income tax expense (benefit)	2,016	1,130	(818)	2,328
Income tax expense (benefit)	510	265	(278)	497
Net income (loss)	$1,506	$865	($540)	$1,831
Total average assets	$79,925	$66,137	$72,535	$218,597

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

(2) Includes depreciation and amortization of $122 million, $20 million, and $305 million, respectively, for the Consumer Banking, Commercial Banking, and Other business segments.

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

	Year Ended December 31, 2024
(dollars in millions)	Consumer Banking	Commercial Banking	Other	Consolidated
Net interest income	$4,564	$1,950	($881)	$5,633
Noninterest income	1,131	908	137	2,176
Total revenue	5,695	2,858	(744)	7,809
Direct expenses(1)(2)	2,609	842	1,783	5,234
Indirect expenses(3)	1,068	399	(1,467)	—
Noninterest expense	3,677	1,241	316	5,234
Profit (loss) before provision (benefit) for credit losses	2,018	1,617	(1,060)	2,575
Provision (benefit) for credit losses	331	353	3	687
Income (loss) before income tax expense (benefit)	1,687	1,264	(1,063)	1,888
Income tax expense (benefit)	434	291	(346)	379
Net income (loss)	$1,253	$973	($717)	$1,509
Total average assets	$75,064	$68,478	$75,482	$219,024

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

(2) Includes depreciation and amortization of $121 million, $26 million, and $304 million, respectively, for the Consumer Banking, Commercial Banking, and Other business segments.

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

	Year Ended December 31, 2023
(dollars in millions)	Consumer Banking	Commercial Banking	Other	Consolidated
Net interest income	$4,187	$2,292	($238)	$6,241
Noninterest income	1,067	784	132	1,983
Total revenue	5,254	3,076	(106)	8,224
Direct expenses(1)(2)	2,519	884	2,104	5,507
Indirect expenses(3)	1,023	411	(1,434)	—
Noninterest expense	3,542	1,295	670	5,507
Profit (loss) before provision (benefit) for credit losses	1,712	1,781	(776)	2,717
Provision (benefit) for credit losses	280	250	157	687
Income (loss) before income tax expense (benefit)	1,432	1,531	(933)	2,030
Income tax expense (benefit)	373	378	(329)	422
Net income (loss)	$1,059	$1,153	($604)	$1,608
Total average assets	$72,721	$76,028	$73,472	$222,221

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

(2) Includes depreciation and amortization of $112 million, $30 million, and $285 million, respectively, for the Consumer Banking, Commercial Banking, and Other business segments.

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