Business Segments (Tables)

12 Months Ended

Dec. 31, 2011

Results of Operations and Average Assets by Segment

		Commercial	Branch	Consumer	Investment	General
2011 ($ in millions)		Banking	Banking	Lending	Advisors	Corporate	Eliminations	Total
Net interest income	$	1,357	1,423	343	113	321	-	3,557
Provision for loan and lease losses		490	393	261	27	(748)	-	423
Net interest income after provision for loan
and lease losses		867	1,030	82	86	1,069	-	3,134
Noninterest income:
Mortgage banking net revenue		-	11	585	1	-	-	597
Service charges on deposits		207	309	-	4	-	-	520
Investment advisory revenue		12	117	-	364	(1)	(117)(a)	375
Corporate banking revenue		332	14	-	3	1		350
Card and processing revenue		38	305	-	4	(39)	-	308
Other noninterest income		52	81	36	(3)	84	-	250
Securities gains, net		-	-	-	-	46	-	46
Securities gains, net - non-qualifying hedges on
mortgage servicing rights		-	-	9	-	-	-	9
Total noninterest income		641	837	630	373	91	(117)	2,455
Noninterest expense:
Salaries, wages and incentives		203	456	149	138	532	-	1,478
Employee benefits		37	127	34	26	106	-	330
Net occupancy expense		20	184	8	11	82	-	305
Technology and communications		11	5	1	1	170	-	188
Card and processing expense		5	114	-	-	1	-	120
Equipment expense		2	51	1	1	58	-	113
Other noninterest expense		795	642	433	244	(773)	(117)	1,224
Total noninterest expense		1,073	1,579	626	421	176	(117)	3,758
Income before income taxes		435	288	86	38	984	-	1,831
Applicable income tax expense		(6)	102	30	14	393	-	533
Net income		441	186	56	24	591	-	1,298
Less: Net income attributable to noncontrolling interests		-	-	-	-	1	-	1
Net income attributable to Bancorp		441	186	56	24	590	-	1,297
Dividends on preferred stock		-	-	-	-	203	-	203
Net income available to common shareholders	$	441	186	56	24	387	-	1,094
Total goodwill	$	613	1,656	-	148	-	-	2,417
Total assets	$	45,864	46,703	24,325	7,670	(7,595)	-	116,967

Revenue sharing agreements between Investment Advisors and Branch Banking are eliminated in the Consolidated Statements of Income.

		Commercial	Branch	Consumer	Investment	General
2010 ($ in millions)		Banking	Banking	Lending	Advisors	Corporate	Eliminations	Total
Net interest income	$	1,531	1,514	405	138	16	-	3,604
Provision for loan and lease losses		1,159	555	569	44	(789)	-	1,538
Net interest income (loss) after provision for loan
and lease losses		372	959	(164)	94	805	-	2,066
Noninterest income:
Mortgage banking net revenue		-	27	619	2	(1)	-	647
Service charges on deposits		199	369	1	6	(1)	-	574
Corporate banking revenue		346	15	-	3	-	-	364
Investment advisory revenue		15	106	-	346	-	(106)(a)	361
Card and processing revenue		33	298	-	1	(16)	-	316
Other noninterest income		42	70	36	(2)	260	-	406
Securities gains, net		-	-	-	-	47	-	47
Securities gains, net - non-qualifying hedges on
mortgage servicing rights		-	-	14	-	-	-	14
Total noninterest income		635	885	670	356	289	(106)	2,729
Noninterest expense:
Salaries, wages and incentives		182	439	163	131	515	-	1,430
Employee benefits		32	121	31	25	105	-	314
Net occupancy expense		16	174	7	9	92	-	298
Technology and communications		14	16	2	2	155	-	189
Card and processing expense		2	105	-	-	1	-	108
Equipment expense		2	49	1	1	175	(106)	122
Other noninterest expense		723	652	342	237	(560)	-	1,394
Total noninterest expense		971	1,556	546	405	483	(106)	3,855
Income (loss) before income taxes		36	288	(40)	45	611	-	940
Applicable income tax (benefit) expense		(142)	103	(14)	16	224	-	187
Net income (loss)		178	185	(26)	29	387	-	753
Less: Net income attributable to noncontrolling interest		-	-	-	-	-	-	-
Net income (loss) attributable to Bancorp		178	185	(26)	29	387	-	753
Dividends on preferred stock		-	-	-	-	250	-	250
Net income (loss) available to common shareholders	$	178	185	(26)	29	137	-	503
Total goodwill	$	613	1,656	-	148	-	-	2,417
Total assets	$	43,609	46,244	22,604	6,759	(8,209)	-	111,007

Revenue sharing agreements between Investment Advisors and Branch Banking are eliminated in theConsolidated Statements of Income.

		Commercial	Branch	Consumer	Investment	General
2009 ($ in millions)		Banking	Banking	Lending	Advisors	Corporate	Eliminations	Total
Net interest income	$	1,370	1,577	476	157	(226)	-	3,354
Provision for loan and lease losses		1,360	601	558	57	967	-	3,543
Net interest income (loss) after provision for loan
and lease losses		10	976	(82)	100	(1,193)	-	(189)
Noninterest income:
Mortgage banking net revenue		-	26	526	1	-	-	553
Service charges on deposits		196	428	-	8	-	-	632
Investment advisory revenue		11	84	-	315	(1)	(83)(a)	326
Corporate banking revenue		353	10	-	11	(2)	-	372
Card and processing revenue		28	268	-	1	357	(39)(b)	615
Gain on sale of Vantiv Holding, LLC		-	-	-	-	1,758	-	1,758
Other noninterest income		20	86	40	-	333	-	479
Securities gains (losses), net		1	-	-	-	(11)	-	(10)
Securities gains, net - non-qualifying hedges on
mortgage servicing rights		-	-	57	-	-	-	57
Total noninterest income		609	902	623	336	2,434	(122)	4,782
Noninterest expense:
Salaries, wages and incentives		161	401	154	117	506	-	1,339
Employee benefits		31	106	27	23	124	-	311
Net occupancy expense		17	169	7	10	105	-	308
Technology and communications		6	16	2	2	155	-	181
Card and processing expense		1	70	-	-	122	-	193
Equipment expense		3	48	1	1	70	-	123
Other noninterest expense		741	563	318	201	(330)	(122)	1,371
Total noninterest expense		960	1,373	509	354	752	(122)	3,826
Income before income taxes		(341)	505	32	82	489	-	767
Applicable income tax expense (benefit)		(240)	178	11	29	52	-	30
Net income		(101)	327	21	53	437	-	737
Less: Net income attributable to noncontrolling interest		-	-	-	-	-	-	-
Net income attributable to Bancorp		(101)	327	21	53	437	-	737
Dividends on preferred stock		-	-	-	-	226	-	226
Net income available to common shareholders	$	(101)	327	21	53	211	-	511
Total goodwill	$	613	1,656	-	148	-	-	2,417
Total assets	$	43,312	47,839	20,923	6,057	(4,751)	-	113,380

Revenue sharing agreements between Investment Advisors and Branch Banking are eliminated in the Consolidated Statements of Income.

Card and processing revenues provided to the banking segments are eliminated in the Consolidated Statements of Income.