Business Segment Reporting (Tables)

9 Months Ended

Sep. 30, 2025

Segment Reporting [Abstract]

Schedule of Selected Financial Data for Our Business Segments

The table below shows selected financial data for our business segments for the three- and nine-month periods ended September 30, 2025, and September 30, 2024. Capital is assigned to each business segment based on a combination of regulatory and economic equity.

Three months ended September 30,	Consumer Bank				Commercial Bank				Other				Total Key
Dollars in millions	2025		2024		2025		2024		2025		2024		2025		2024
SUMMARY OF OPERATIONS
Net interest income (TE)	$	691	$	569	$	587	$	460	$	(85)	$	(65)	$	1,193	$	964
Noninterest income	244		231		427		406		31		(906)		702		(269)
Total revenue (TE) (a)	935		800		1,014		866		(54)		(971)		1,895		695
Provision for credit losses	40		52		68		41		(1)		2		107		95
Personnel expense	230		214		200		192		312		264		742		670
Other direct noninterest expense	136		137		74		74		225		213		435		424
Support and overhead	329		298		208		178		(537)		(476)		—		—
Income (loss) from continuing operations before income taxes (TE)	200		99		464		381		(53)		(974)		611		(494)
Allocated income taxes and TE adjustments	48		24		97		82		(24)		(189)		121		(83)
Income (loss) from continuing operations	152		75		367		299		(29)		(785)		490		(411)
Income (loss) from discontinued operations, net of taxes	—		—		—		—		(1)		1		(1)		1
Net income (loss)	$	152	$	75	$	367	$	299	$	(30)	$	(784)	$	489	$	(410)
AVERAGE BALANCES (b)
Loans and leases	$	35,363	$	38,332	$	70,326	$	67,452	$	538	$	460	$	106,227	$	106,244
Total assets (a)	38,374		41,188		79,733		76,395		69,031		70,026		187,138		187,609
Deposits	87,692		86,431		58,483		58,696		4,199		2,644		150,374		147,771

(a)Substantially all revenue generated by our major business segments is derived from clients that reside in the United States. Substantially all long-lived assets, including premises and equipment, capitalized software, and goodwill held by our major business segments, are located in the United States.

(b)From continuing operations.

Nine months ended September 30,	Consumer Bank				Commercial Bank				Other				Total Key
Dollars in millions	2025		2024		2025		2024		2025		2024		2025		2024
SUMMARY OF OPERATIONS
Net interest income (TE)	$	2,013	$	1,614	$	1,678	$	1,268	$	(243)	$	(133)	$	3,448	$	2,749
Noninterest income	705		691		1,252		1,164		103		(850)		2,060		1,005
Total revenue (TE) (a)	2,718		2,305		2,930		2,432		(140)		(983)		5,508		3,754
Provision for credit losses	137		83		227		231		(1)		(18)		363		296
Personnel expense	671		634		565		521		891		825		2,127		1,980
Other direct noninterest expense	418		451		219		257		698		628		1,335		1,336
Support and overhead	978		916		608		539		(1,586)		(1,455)		—		—
Income (loss) from continuing operations before income taxes (TE)	514		221		1,311		884		(142)		(963)		1,683		142
Allocated income taxes and TE adjustments	124		53		274		175		(34)		(167)		364		61
Income (loss) from continuing operations	390		168		1,037		709		(108)		(796)		1,319		81
Income (loss) from discontinued operations, net of taxes	—		—		—		—		—		2		—		2
Net income (loss)	$	390	$	168	$	1,037	$	709	$	(108)	$	(794)	$	1,319	$	83
AVERAGE BALANCES (b)
Loans and leases	$	36,101	$	39,139	$	68,835	$	69,105	$	503	$	494	$	105,439	$	108,738
Total assets (a)	39,107		41,966		78,320		78,234		69,252		66,491		186,679		186,691
Deposits	87,998		85,305		57,272		57,467		3,523		2,182		148,793		144,954

(a)Substantially all revenue generated by our major business segments is derived from clients that reside in the United States. Substantially all long-lived assets, including premises and equipment, capitalized software, and goodwill held by our major business segments, are located in the United States.

(b)From continuing operations.