Business Segments (Tables)

12 Months Ended

Dec. 31, 2018

The following tables present the results of operations and assets by business segment for the years ended December 31:

					Wealth	General
		Commercial	Branch	Consumer	and Asset	Corporate
2018 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	1,713	2,034	237	182	(26)	-	4,140
Provision for (benefit from) loan and lease losses		(26)	171	42	12	38	-	237
Net interest income after provision for loan and lease losses		1,739	1,863	195	170	(64)	-	3,903
Noninterest income:
Service charges on deposits		273	275	-	1	-	-	549
Wealth and asset management revenue		3	150	-	429	-	(138)^(a)	444
Corporate banking revenue		432	5	-	2	(1)	-	438
Card and processing revenue		58	266	-	5	-	-	329
Mortgage banking net revenue		-	5	206	1	-	-	212
Other noninterest income^(b)		151	53	14	18	651	-	887
Securities losses, net		-	-	-	-	(54)	-	(54)
Securities losses, net - non-qualifying hedges on MSRs		-	-	(15)	-	-	-	(15)
Total noninterest income		917	754	205	456	596	(138)	2,790
Noninterest expense:
Salaries, wages and incentives		300	438	156	173	716	-	1,783
Employee benefits		44	98	36	29	125	-	332
Net occupancy expense		26	175	10	12	69	-	292
Technology and communications		7	5	5	1	267	-	285
Card and processing expense		4	121	-	-	(2)	-	123
Equipment expense		23	50	-	1	49	-	123
Other noninterest expense		859	841	195	288	(1,055)	(138)	990
Total noninterest expense		1,263	1,728	402	504	169	(138)	3,928
Income (loss) before income taxes		1,393	889	(2)	122	363	-	2,765
Applicable income tax expense (benefit)		254	187	(1)	25	107	-	572
Net income (loss)		1,139	702	(1)	97	256	-	2,193
Total goodwill	$	630	1,655	-	193	-	-	2,478
Total assets	$	61,630	61,040	22,044	10,337	(8,982)^(c)	-	146,069

Revenue sharing agreements between wealth and asset management and branch banking are eliminated in the Consolidated Statements of Income.
Includes impairment charges of $45 for branches and land. For more information refer to Note 7 and Note 26.
Includes bank premises and equipment of $42 classified as held for sale. For more information refer to Note 7.

					Wealth	General
		Commercial	Branch	Consumer	and Asset	Corporate
2017 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	1,652	1,782	240	154	(30)	-	3,798
Provision for loan and lease losses		38	153	40	6	24	-	261
Net interest income after provision for loan and lease losses		1,614	1,629	200	148	(54)	-	3,537
Noninterest income:
Service charges on deposits		287	265	-	1	1	-	554
Wealth and asset management revenue		3	141	-	407	-	(132)^(a)	419
Corporate banking revenue		348 ^(c)	5	-	1	(1)	-	353
Card and processing revenue		57	251	-	5	-	-	313
Mortgage banking net revenue		-	6	217	1	-	-	224
Other noninterest income^(b)		143	88	18	4	1,104	-	1,357
Securities gains, net		-	-	-	-	2	-	2
Securities gains, net - non-qualifying hedges on MSRs		-	-	2	-	-	-	2
Total noninterest income		838	756	237	419	1,106	(132)	3,224
Noninterest expense:
Salaries, wages and incentives		252	425	152	154	650	-	1,633
Employee benefits		42	101	37	27	149	-	356
Net occupancy expense		26	176	10	11	72	-	295
Technology and communications		9	4	2	-	230	-	245
Card and processing expense		3	127	-	-	(1)	-	129
Equipment expense		18	52	-	-	47	-	117
Other noninterest expense		884	796	210	276	(1,027)	(132)	1,007
Total noninterest expense		1,234	1,681	411	468	120	(132)	3,782
Income before income taxes		1,218	704	26	99	932	-	2,979
Applicable income tax expense		391	249	9	34	116	-	799
Net income		827	455	17	65	816	-	2,180
Total goodwill	$	613	1,655	-	177	-	-	2,445
Total assets	$	58,456	57,931	22,218	9,494	(6,018)^(d)	-	142,081

Revenue sharing agreements between wealth and asset management and branch banking are eliminated in the Consolidated Statements of Income.
Includes impairment charges of $7 for branches and land. For more information refer to Note 7 and Note 26.
Includes impairment charges of $52 for operating lease equipment. For more information refer to Note 26.
Includes bank premises and equipment of $27 classified as held for sale. For more information refer to Note 7.

					Wealth	General
		Commercial	Branch	Consumer	and Asset	Corporate
2016 ($ in millions)		Banking	Banking	Lending	Management	and Other	Eliminations	Total
Net interest income	$	1,814	1,669	248	168	(284)	-	3,615
Provision for loan and lease losses		76	138	44	1	84	-	343
Net interest income after provision for loan and lease losses		1,738	1,531	204	167	(368)	-	3,272
Noninterest income:
Service charges on deposits		292	265	-	2	(1)	-	558
Wealth and asset management revenue		4	140	-	391	-	(131)^(a)	404
Corporate banking revenue		430 ^(c)	5	-	-	(3)	-	432
Card and processing revenue		62	253	-	4	-	-	319
Mortgage banking net revenue		-	7	277	1	-	-	285
Other noninterest income^(b)		119	85	26	1	457	-	688
Securities gains, net		-	-	-	-	10	-	10
Total noninterest income		907	755	303	399	463	(131)	2,696
Noninterest expense:
Salaries, wages and incentives		254	419	158	142	639	-	1,612
Employee benefits		42	101	37	26	133	-	339
Net occupancy expense		26	178	10	10	75	-	299
Technology and communications		13	3	1	-	217	-	234
Card and processing expense		4	128	-	-	-	-	132
Equipment expense		16	56	-	-	46	-	118
Other noninterest expense		873	798	224	254	(992)	(131)	1,026
Total noninterest expense		1,228	1,683	430	432	118	(131)	3,760
Income (loss) before income taxes		1,417	603	77	134	(23)	-	2,208
Applicable income tax expense (benefit)		403	213	27	48	(26)	-	665
Net income		1,014	390	50	86	3	-	1,543
Total goodwill	$	613	1,655	-	148	-	-	2,416
Total assets	$	57,995	55,979	22,041	9,494	(3,429)^(d)	-	142,080

Revenue sharing agreements between wealth and asset management and branch banking are eliminated in the Consolidated Statements of Income.
Includes impairment charges of $32 for branches and land. For more information refer to Note 7.
Includes impairment charges of $20 for operating lease equipment.
Includes bank premises and equipment of $39 classified as held for sale.