NONINTEREST INCOME

3 Months Ended

Mar. 31, 2026

Other Income and Expenses [Abstract]

NONINTEREST INCOME

NOTE 13 - NONINTEREST INCOME

A portion of the Company’s noninterest income relates to certain fee-based revenue earned from contracts with customers based on the amount of consideration expected to be received upon the transfer of control of a good or service. For a description of the components of revenue from contracts with customers and how each component is recognized for the principal products and services of the Company’s business segments, see Note 19 in the Company’s 2025 Form 10-K.

The following tables present noninterest income segregated by revenue from contracts with customers and revenue from other sources, disaggregated by business segment. Revenue from other sources primarily includes income from letter of credit and loan fees, foreign exchange and derivative products, and mortgage banking fees.

	Three Months Ended March 31, 2026
(dollars in millions)	Consumer Banking	Commercial Banking	Other	Consolidated
Service charges and fees	$76	$35	$—	$111
Capital markets fees	—	120	—	120
Wealth fees	100	—	—	100
Card fees	65	11	4	80
Other banking fees	1	3	—	4
Total revenue from contracts with customers	$242	$169	$4	$415
Total revenue from other sources(1)	57	94	40	191
Total noninterest income	$299	$263	$44	$606

	Three Months Ended March 31, 2025
(dollars in millions)	Consumer Banking	Commercial Banking	Other	Consolidated
Service charges and fees	$74	$34	$—	$108
Capital markets fees	—	95	—	95
Wealth fees	81	—	—	81
Card fees	67	13	—	80
Other banking fees	1	2	—	3
Total revenue from contracts with customers	$223	$144	$—	$367
Total revenue from other sources(1)	74	71	32	177
Total noninterest income	$297	$215	$32	$544

(1) Includes bank-owned life insurance income of $29 million and $27 million for the three months ended March 31, 2026 and 2025, respectively.

For the three months ended March 31, 2026 and 2025, the Company recognized trailing commissions of $4 million related to previous investment sales.