CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
Cash flows from operating activities
Net income	$ 827	$ 482
Adjustments to reconcile net income to net cash used in operating activities:
Depreciation and amortization	(49)	(36)
Provision for credit losses	76	36
Net realized losses (gains) on securities available-for-sale	(35)	138
Net change in other assets and liabilities	(472)	(870)
Net change in loans held for sale:
Originations and purchases of loans held for sale	(467)	(658)
Sales and collections of loans held for sale	432	187
Net change in trading assets and liabilities	(323)	(240)
Lower of amortized cost or fair value adjustments on loans held for sale	2	(3)
Loss on instruments designated at fair value and related derivatives	7	33
Net cash used in operating activities	(2)	(931)
Cash flows from investing activities
Net change in federal funds sold and securities purchased under agreements to resell	9,462	9,568
Securities available-for-sale:
Purchases of securities available-for-sale	(12,806)	(6,517)
Proceeds from sales of securities available-for-sale	5,879	4,317
Proceeds from paydowns and maturities of securities available-for-sale	2,923	2,727
Securities held-to-maturity:
Purchases of securities held-to-maturity	(1,697)	(3,039)
Proceeds from paydowns and maturities of securities held-to-maturity	1,275	914
Change in loans:
Originations, net of collections	(2,735)	(5,326)
Loans sold to third parties	930	2,395
Net cash used for acquisitions of properties and equipment	0	(9)
Other, net	(108)	(94)
Net cash provided by investing activities	3,123	4,936
Cash flows from financing activities
Net change in deposits	(752)	2,007
Debt:
Net change in short-term borrowings	(989)	(2,261)
Issuance of long-term debt	10,606	5,267
Repayment of long-term debt	(8,609)	(5,664)
Other decreases in capital surplus	(21)	(6)
Dividends paid	(1,508)	(8)
Net cash used in financing activities	(1,273)	(665)
Net change in cash and due from banks and interest bearing deposits with banks	1,848	3,340
Cash and due from banks and interest bearing deposits with banks at beginning of period	23,246	25,719
Cash and due from banks and interest bearing deposits with banks at end of period	$ 25,094	$ 29,059