BUSINESS SEGMENTS (Tables)

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Schedule of segment reporting information

The following tables present certain financial data of the Company’s business segments:

	Three Months Ended March 31, 2026
(dollars in millions)	Consumer Banking	Commercial Banking	Other	Consolidated
Net interest income	$1,309	$456	($203)	$1,562
Noninterest income	299	263	44	606
Total revenue	1,608	719	(159)	2,168
Direct expenses(1)(2)	724	228	426	1,378
Indirect expenses(3)	304	106	(410)	—
Noninterest expense	1,028	334	16	1,378
Profit (loss) before provision (benefit) for credit losses	580	385	(175)	790
Provision (benefit) for credit losses	71	64	5	140
Income (loss) before income tax expense (benefit)	509	321	(180)	650
Income tax expense (benefit)	131	78	(76)	133
Net income (loss)	$378	$243	($104)	$517
Total average assets	$83,870	$67,737	$72,617	$224,224

(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 $31 million, $4 million, and $74 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.

	Three Months Ended March 31, 2025
(dollars in millions)	Consumer Banking	Commercial Banking	Other	Consolidated
Net interest income	$1,193	$441	($243)	$1,391
Noninterest income	297	215	32	544
Total revenue	1,490	656	(211)	1,935
Direct expenses(1)(2)	669	218	427	1,314
Indirect expenses(3)	285	109	(394)	—
Noninterest expense	954	327	33	1,314
Profit (loss) before provision (benefit) for credit losses	536	329	(244)	621
Provision (benefit) for credit losses	86	77	(10)	153
Income (loss) before income tax expense (benefit)	450	252	(234)	468
Income tax expense (benefit)	114	56	(75)	95
Net income (loss)	$336	$196	($159)	$373
Total average assets	$77,534	$65,366	$73,409	$216,309

(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 $31 million, $5 million, and $75 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.