Business Segments (Tables)

6 Months Ended

Jun. 30, 2018

The following tables present the results of operations and assets by business segment for the three months ended:

					Wealth	General
		Commercial	Branch	Consumer	and Asset	Corporate
June 30, 2018 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	427	499	59	45	(10)	-	1,020
Provision for (benefit from) loan and lease losses		(10)	47	8	(11)	(1)	-	33
Net interest income after provision for loan and lease losses		437	452	51	56	(9)	-	987
Noninterest income:
Service charges on deposits		70	67	-	-	-	-	137
Wealth and asset management revenue		1	37	-	104	-	(34)^(a)	108
Corporate banking revenue		119	1	-	-	-	-	120
Card and processing revenue		14	69	-	1	-	-	84
Mortgage banking net revenue		-	1	52	-	-	-	53
Other noninterest income^(b)		25	(8)	4	4	225	-	250
Securities losses, net		-	-	-	-	(5)	-	(5)
Securities losses, net - non-qualifying hedges on MSRs		-	-	(4)	-	-	-	(4)
Total noninterest income		229	167	52	109	220	(34)	743
Noninterest expense:
Salaries, wages and incentives		71	111	42	43	204	-	471
Employee benefits		9	26	10	7	26	-	78
Net occupancy expense		6	44	3	3	18	-	74
Technology and communications		2	1	1	-	63	-	67
Equipment expense		6	12	-	-	12	-	30
Card and processing expense		1	30	-	-	(1)	-	30
Other noninterest expense		263	208	51	70	(271)	(34)	287
Total noninterest expense		358	432	107	123	51	(34)	1,037
Income (loss) before income taxes		308	187	(4)	42	160	-	693
Applicable income tax expense (benefit)		19	40	(1)	9	40	-	107
Net income (loss)		289	147	(3)	33	120	-	586
Total goodwill	$	630	1,655	-	177	-	-	2,462
Total assets	$	58,763	60,281	22,128	9,270	(9,747)^(c)	-	140,695

Revenue sharing agreements between wealth and asset management and branch banking are eliminated in the Condensed Consolidated Statements of Income.
Includes impairment charges of $33 for branches and land. For more information refer to Note 7 and Note 21.
Includes bank premises and equipment of $37 classified as held for sale. For more information refer to Note 7.

Includes bank premises and equipment of $37 classified as held for sale. For more information refer to Note 7.

					Wealth	General
		Commercial	Branch	Consumer	and Asset	Corporate
June 30, 2017 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	415	437	59	37	(9)	-	939
Provision for (benefit from) loan and lease losses		22	39	7	(1)	(15)	-	52
Net interest income after provision for loan and lease losses		393	398	52	38	6	-	887
Noninterest income:
Service charges on deposits		73	66	-	-	-	-	139
Wealth and asset management revenue		1	35	-	100	-	(33)^(a)	103
Corporate banking revenue		100	1	-	-	-	-	101
Card and processing revenue		14	64	-	1	-	-	79
Mortgage banking net revenue		-	1	54	-	-	-	55
Other noninterest income^(b)		40	22	6	-	17	-	85
Securities gains, net - non-qualifying hedges on MSRs		-	-	2	-	-	-	2
Total noninterest income		228	189	62	101	17	(33)	564
Noninterest expense:
Salaries, wages and incentives		60	104	40	37	156	-	397
Employee benefits		9	26	10	7	34	-	86
Net occupancy expense		7	43	3	2	15	-	70
Technology and communications		2	1	1	-	53	-	57
Equipment expense		4	13	-	-	12	-	29
Card and processing expense		1	33	-	-	(1)	-	33
Other noninterest expense		247	196	55	67	(247)	(33)	285
Total noninterest expense		330	416	109	113	22	(33)	957
Income before income taxes		291	171	5	26	1	-	494
Applicable income tax expense		54	60	2	9	2	-	127
Net income (loss)		237	111	3	17	(1)	-	367
Total goodwill	$	613	1,655	-	155	-	-	2,423
Total assets	$	57,766	57,396	22,442	8,238	(4,775)^(c)	-	141,067

Revenue sharing agreements between wealth and asset management and branch banking are eliminated in the Condensed Consolidated Statements of Income.
Includes impairment charges of $2 for branches and land. For more information refer to Note 7 and Note 21.
Includes bank premises and equipment of $41 classified as held for sale. For more information refer to Note 7.

The following tables present the results of operations and assets by business segment for the six months ended:

					Wealth	General
		Commercial	Branch	Consumer	and Asset	Corporate
June 30, 2018 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	846	965	118	88	(1)	-	2,016
Provision for (benefit from) loan and lease losses		(29)	90	20	5	(30)	-	56
Net interest income after provision for loan and lease losses		875	875	98	83	29	-	1,960
Noninterest income:
Service charges on deposits		139	134	-	1	1	-	275
Wealth and asset management revenue		2	74	-	214	-	(69)^(a)	221
Corporate banking revenue		205 ^(c)	2	-	1	-	-	208
Card and processing revenue		28	133	-	2	-	-	163
Mortgage banking net revenue		-	3	106	-	-	-	109
Other noninterest income^(b)		73	7	7	9	612	-	708
Securities losses, net		-	-	-	-	(15)	-	(15)
Securities losses, net - non-qualifying hedges on MSRs		-	-	(17)	-	-	-	(17)
Total noninterest income		447	353	96	227	598	(69)	1,652
Noninterest expense:
Salaries, wages and incentives		141	220	82	87	388	-	918
Employee benefits		27	53	20	17	71	-	188
Net occupancy expense		13	88	5	6	37	-	149
Technology and communications		4	3	2	-	126	-	135
Equipment expense		11	25	-	-	25	-	61
Card and processing expense		2	59	-	-	(1)	-	60
Other noninterest expense		545	423	102	144	(573)	(69)	572
Total noninterest expense		743	871	211	254	73	(69)	2,083
Income (loss) before income taxes		579	357	(17)	56	554	-	1,529
Applicable income tax expense (benefit)		32	75	(3)	12	123	-	239
Net income (loss)		547	282	(14)	44	431	-	1,290
Total goodwill	$	630	1,655	-	177	-	-	2,462
Total assets	$	58,763	60,281	22,128	9,270	(9,747)^(d)	-	140,695

Revenue sharing agreements between wealth and asset management and branch banking are eliminated in the Condensed Consolidated Statements of Income.
Includes impairment charges of $41 for branches and land. For more information refer to Note 7 and Note 21.
Includes impairment charges of $2 for operating lease equipment. For more information refer to Note 21.
Includes bank premises and equipment of $37 classified as held for sale. For more information refer to Note 7.

					Wealth	General
		Commercial	Branch	Consumer	and Asset	Corporate
June 30, 2017 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	839	867	120	75	(29)	-	1,872
Provision for (benefit from) loan and lease losses		29	80	22	3	(8)	-	126
Net interest income after provision for loan and lease losses		810	787	98	72	(21)	-	1,746
Total noninterest income
Service charges on deposits		146	130	-	1	-	-	277
Wealth and asset management revenue		2	71	-	205	-	(67)^(a)	211
Corporate banking revenue		173 ^(c)	3	-	-	(1)	-	175
Card and processing revenue		28	122	-	3	-	-	153
Mortgage banking net revenue		-	3	105	-	-	-	108
Other noninterest income^(b)		80	45	9	-	26	-	160
Securities gains, net		-	-	-	-	1	-	1
Securities gains, net - non-qualifying hedges on MSRs		-	-	2	-	-	-	2
Total noninterest income		429	374	116	209	26	(67)	1,087
Noninterest expense
Salaries, wages and incentives		127	208	77	76	320	-	808
Employee benefits		27	53	20	16	80	-	196
Net occupancy expense		13	90	5	5	35	-	148
Technology and communications		5	2	1	-	108	-	116
Equipment expense		8	26	-	-	23	-	57
Card and processing expense		2	62	-	-	(1)	-	63
Other noninterest expense		507	388	110	134	(517)	(67)	555
Total noninterest expense		689	829	213	231	48	(67)	1,943
Income (loss) before income taxes		550	332	1	50	(43)	-	890
Applicable income tax expense (benefit)		97	117	-	17	(13)	-	218
Net income (loss)		453	215	1	33	(30)	-	672
Total goodwill	$	613	1,655	-	155	-	-	2,423
Total assets	$	57,766	57,396	22,442	8,238	(4,775)^(d)	-	141,067

Revenue sharing agreements between wealth and asset management and branch banking are eliminated in the Condensed Consolidated Statements of Income.
Includes impairment charges of $5 for branches and land. For more information refer to Note 7 and Note 21.
Includes impairment charges of $31 for operating lease equipment. For more information refer to Note 21.
Includes bank premises and equipment of $41 classified as held for sale. For more information refer to Note 7.