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Consolidated Statements Of Comprehensive Income - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Sep. 30, 2018
Sep. 30, 2017
INTEREST INCOME        
Interest and fees on loans $ 581 $ 500 $ 1,658 $ 1,374
Interest on investment securities 66 63 194 186
Interest on short-term investments 28 16 63 44
Total interest income 675 579 1,915 1,604
INTEREST EXPENSE        
Interest on deposits 35 11 79 29
Interest on short-term borrowings 1 3 1 3
Interest on medium- and long-term debt [1] 40 19 97 56
Total interest expense 76 33 177 88
Net interest income 599 546 1,738 1,516
Provision for credit losses 0 24 (17) 57
Net interest income after provision for credit losses 599 522 1,755 1,459
NONINTEREST INCOME        
Card Fees 61 [2] 85 180 [3] 242
Service charges on deposit accounts 53 [2] 57 160 [3] 172
Fiduciary income 51 48 155 148
Commercial lending fees 21 21 62 63
Letter of credit fees 9 11 30 34
Bank-owned life insurance 11 12 29 31
Foreign exchange income 12 11 36 33
Brokerage fees 7 6 20 17
Net securities losses (20) 0 (19) 0
Other noninterest income 29 24 73 82
Total noninterest income 234 275 726 822
NONINTEREST EXPENSES        
Salaries and benefits expense 254 237 759 713
Outside processing fee expense 65 92 190 267
Net occupancy expense 38 38 113 114
Equipment expense 12 12 34 34
Restructuring charges 12 7 39 32
Software expense 32 35 95 95
FDIC insurance expense 11 13 36 38
Advertising expense 8 8 22 19
Litigation-related expense 0 0 0 (2)
Other noninterest expenses 20 21 58 67
Total noninterest expenses 452 463 1,346 1,377
Income before income taxes 381 334 1,135 904
Provision for income taxes 63 108 210 273
Net Income 318 226 925 631
Less income allocated to participating securities 2 2 6 5
Net income attributable to common shares $ 316 $ 224 $ 919 $ 626
Basic earnings per common share $ 1.89 $ 1.29 $ 5.41 $ 3.58
Diluted earnings per common share $ 1.86 $ 1.26 $ 5.32 $ 3.50
Comprehensive income $ 296 $ 228 $ 764 $ 655
Cash dividends declared on common stock $ 100 $ 53 $ 210 $ 141
Cash dividends declared per common share $ 0.60 $ 0.30 $ 1.24 $ 0.79
[1] Includes the effects of hedging.
[2] Adoption of Topic 606 resulted in a change in presentation which records certain costs in the same category as the associated revenues.The effect of this change was to reduce card fees by $34 million and service charges on deposit accounts by $2 million for the three months ended September 30, 2018. Refer to note 1 for further information.
[3] Adoption of Topic 606 resulted in a change in presentation which records certain costs in the same category as the associated revenues. The effect of this change was to reduce card fees by $105 million and service charges on deposit accounts by $4 million for the nine months ended September 30, 2018. Refer to note 1 for further information.