Business Segments (Tables)

9 Months Ended

Sep. 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
September 30, 2018 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	427	525	60	46	(15)	-	1,043
Provision for (benefit from) loan and lease losses		(11)	34	10	3	50	-	86
Net interest income after provision for loan and lease losses		438	491	50	43	(65)	-	957
Noninterest income:
Service charges on deposits		68	71	-	-	-	-	139
Wealth and asset management revenue		1	38	-	110	-	(35)^(a)	114
Corporate banking revenue		100	1	-	-	(1)	-	100
Card and processing revenue		14	67	-	1	-	-	82
Mortgage banking net revenue		-	1	48	-	-	-	49
Other noninterest income		52	26	3	4	1	-	86
Securities losses, net		-	-	-	-	(6)	-	(6)
Securities losses, net - non-qualifying hedges on MSRs		-	-	(1)	-	-	-	(1)
Total noninterest income		235	204	50	115	(6)	(35)	563
Noninterest expense:
Salaries, wages and incentives		71	109	38	44	159	-	421
Employee benefits		8	22	8	6	38	-	82
Net occupancy expense		6	44	3	3	14	-	70
Technology and communications		2	1	2	-	66	-	71
Equipment expense		6	12	-	-	13	-	31
Card and processing expense		2	30	-	-	(1)	-	31
Other noninterest expense		250	215	49	73	(250)	(35)	302
Total noninterest expense		345	433	100	126	39	(35)	1,008
Income (loss) before income taxes		328	262	-	32	(110)	-	512
Applicable income tax expense (benefit)		30	55	-	7	(13)	-	79
Net income (loss)		298	207	-	25	(97)	-	433
Total goodwill	$	630	1,655	-	177	-	-	2,462
Total assets	$	60,135	60,222	22,188	9,171	(10,031)^(b)	-	141,685

Revenue sharing agreements between wealth and asset management and branch banking are eliminated in the Condensed Consolidated Statements of Income.
Includes bank premises and equipment of $38 classified as held for sale. For more information refer to Note 7.

Includes bank premises and equipment of $38 classified as held for sale. For more information refer to Note 7.

					Wealth	General
		Commercial	Branch	Consumer	and Asset	Corporate
September 30, 2017 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	422	453	59	38	(2)	-	970
Provision for (benefit from) loan and lease losses		(3)	35	8	(1)	28	-	67
Net interest income after provision for loan and lease losses		425	418	51	39	(30)	-	903
Noninterest income:
Service charges on deposits		71	67	-	-	-	-	138
Wealth and asset management revenue		1	35	-	99	(1)	(32)^(a)	102
Corporate banking revenue		100	1	-	-	-	-	101
Card and processing revenue		14	64	-	1	-	-	79
Mortgage banking net revenue		-	2	61	-	-	-	63
Other noninterest income^(b)		30	22	5	1	1,018	-	1,076
Securities gains, net - non-qualifying hedges on MSRs		-	-	2	-	-	-	2
Total noninterest income		216	191	68	101	1,017	(32)	1,561
Noninterest expense:
Salaries, wages and incentives		64	104	38	37	164	-	407
Employee benefits		7	22	8	5	35	-	77
Net occupancy expense		6	43	3	3	19	-	74
Technology and communications		2	1	-	-	59	-	62
Equipment expense		5	13	-	-	12	-	30
Card and processing expense		1	31	-	-	-	-	32
Other noninterest expense		256	205	52	66	(254)	(32)	293
Total noninterest expense		341	419	101	111	35	(32)	975
Income before income taxes		300	190	18	29	952	-	1,489
Applicable income tax expense		56	66	6	10	337	-	475
Net income		244	124	12	19	615	-	1,014
Total goodwill	$	613	1,655	-	155	-	-	2,423
Total assets	$	58,752	57,246	22,447	8,821	(5,002)^(c)	-	142,264

Revenue sharing agreements between wealth and asset management and branch banking are eliminated in the Condensed Consolidated Statements of Income.
Includes impairment charges of $1 for branches and land. For more information refer to Note 7 and Note 22.
Includes bank premises and equipment of $36 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 nine months ended:

					Wealth	General
		Commercial	Branch	Consumer	and Asset	Corporate
September 30, 2018 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	1,273	1,490	178	134	(16)	-	3,059
Provision for (benefit from) loan and lease losses		(41)	124	30	8	21	-	142
Net interest income after provision for loan and lease losses		1,314	1,366	148	126	(37)	-	2,917
Noninterest income:
Service charges on deposits		207	205	-	1	1	-	414
Wealth and asset management revenue		3	113	-	324	(1)	(104)^(a)	335
Corporate banking revenue		304 ^(c)	4	-	1	(1)	-	308
Card and processing revenue		42	199	-	4	-	-	245
Mortgage banking net revenue		-	4	153	1	-	-	158
Other noninterest income^(b)		125	33	11	13	612	-	794
Securities losses, net		-	-	-	-	(21)	-	(21)
Securities losses, net - non-qualifying hedges on MSRs		-	-	(18)	-	-	-	(18)
Total noninterest income		681	558	146	344	590	(104)	2,215
Noninterest expense:
Salaries, wages and incentives		214	329	120	131	545	-	1,339
Employee benefits		36	75	28	23	108	-	270
Net occupancy expense		20	131	8	9	51	-	219
Technology and communications		6	4	3	1	192	-	206
Equipment expense		18	37	-	-	37	-	92
Card and processing expense		3	89	-	-	(1)	-	91
Other noninterest expense		792	638	151	217	(821)	(104)	873
Total noninterest expense		1,089	1,303	310	381	111	(104)	3,090
Income (loss) before income taxes		906	621	(16)	89	442	-	2,042
Applicable income tax expense (benefit)		63	131	(3)	19	111	-	321
Net income (loss)		843	490	(13)	70	331	-	1,721
Total goodwill	$	630	1,655	-	177	-	-	2,462
Total assets	$	60,135	60,222	22,188	9,171	(10,031)^(d)	-	141,685

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 22.
Includes impairment charges of $2 for operating lease equipment. For more information refer to Note 22.
Includes bank premises and equipment of $38 classified as held for sale. For more information refer to Note 7.

					Wealth	General
		Commercial	Branch	Consumer	and Asset	Corporate
September 30, 2017 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	1,261	1,320	179	114	(32)	-	2,842
Provision for loan and lease losses		25	115	30	2	21	-	193
Net interest income after provision for loan and lease losses		1,236	1,205	149	112	(53)	-	2,649
Total noninterest income
Service charges on deposits		217	196	-	1	1	-	415
Wealth and asset management revenue		2	106	-	304	-	(99)^(a)	313
Corporate banking revenue		272 ^(c)	4	-	1	(1)	-	276
Card and processing revenue		43	185	-	4	-	-	232
Mortgage banking net revenue		-	5	164	1	-	-	170
Other noninterest income^(b)		111	67	14	1	1,044	-	1,237
Securities gains, net		-	-	-	-	1	-	1
Securities gains, net - non-qualifying hedges on MSRs		-	-	4	-	-	-	4
Total noninterest income		645	563	182	312	1,045	(99)	2,648
Noninterest expense
Salaries, wages and incentives		191	312	113	114	485	-	1,215
Employee benefits		34	75	29	22	114	-	274
Net occupancy expense		20	133	8	8	52	-	221
Technology and communications		7	3	2	-	165	-	177
Equipment expense		14	39	-	-	35	-	88
Card and processing expense		2	93	-	-	-	-	95
Other noninterest expense		763	592	161	201	(770)	(99)	848
Total noninterest expense		1,031	1,247	313	345	81	(99)	2,918
Income before income taxes		850	521	18	79	911	-	2,379
Applicable income tax expense		152	183	7	27	325	-	694
Net income		698	338	11	52	586	-	1,685
Total goodwill	$	613	1,655	-	155	-	-	2,423
Total assets	$	58,752	57,246	22,447	8,821	(5,002)^(d)	-	142,264

Revenue sharing agreements between wealth and asset management and branch banking are eliminated in the Condensed Consolidated Statements of Income.
Includes impairment charges of $6 for branches and land. For more information refer to Note 7 and Note 22.
Includes impairment charges of $31 for operating lease equipment. For more information refer to Note 22.
Includes bank premises and equipment of $36 classified as held for sale. For more information refer to Note 7.