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Consolidated Statements Of Income - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
INTEREST INCOME      
Interest and fees on loans $ 2,262 $ 1,872 $ 1,635
Interest on investment securities 265 250 247
Interest on short-term investments 92 60 27
Total interest income 2,619 2,182 1,909
INTEREST EXPENSE      
Interest on deposits 122 42 40
Interest on short-term borrowings 1 3 0
Interest on medium- and long-term debt 144 [1] 76 [1] 72
Total interest expense 267 121 112
Net interest income 2,352 2,061 1,797
Provision for credit losses (1) 74 248
Net interest income after provision for credit losses 2,353 1,987 1,549
NONINTEREST INCOME      
Card fees 244 333 303
Service charges on deposit accounts 211 227 219
Fiduciary income 206 198 190
Commercial lending fees 85 85 89
Letter of credit fees 40 45 50
Bank-owned life insurance 39 43 42
Foreign exchange income 47 45 42
Brokerage fees 27 23 19
Net securities losses (19) 0 0
Other noninterest income 96 108 97
Total noninterest income 976 1,107 1,051
NONINTEREST EXPENSES      
Salaries and benefits expense 1,009 961 989
Outside processing fee expense 255 366 336
Net occupancy expense 152 154 157
Software expense 125 126 119
Restructuring charges 53 45 93
Equipment expense 48 45 53
FDIC insurance expense 42 51 54
Advertising expense 30 28 21
Other noninterest expenses 80 84 108
Total noninterest expenses 1,794 1,860 1,930
Income before income taxes 1,535 1,234 670
Provision for income taxes 300 491 193
Net Income 1,235 743 477
Less income allocated to participating securities 8 5 4
Net income attributable to common shares $ 1,227 $ 738 $ 473
Basic earnings per common share $ 7.31 $ 4.23 $ 2.74
Diluted earnings per common share $ 7.20 $ 4.14 $ 2.68
Dividends, Common Stock, Cash $ 309 $ 193 $ 154
Common Stock, Dividends, Per Share, Declared $ 1.84 $ 1.09 $ 0.89
[1] Includes the effects of hedging.