Business Segments (Tables)

12 Months Ended

Dec. 31, 2019

Segment Reporting [Abstract]

Financial Information for Segments of FNB

The following tables provide financial information for these segments of FNB. The information provided under the caption “Parent and Other” represents operations not considered to be reportable segments and/or general operating expenses of FNB, and includes the parent company, other non-bank subsidiaries and eliminations and adjustments to reconcile to the Consolidated Financial Statements.

TABLE 23.1

(in millions)	Community Banking		Wealth Manage- ment		Insurance		Parent and Other			Consolidated
At or for the Year Ended December 31, 2019
Interest income	$	1,245	$	—	$	—	$	2		$	1,247
Interest expense	310		—		—		20			330
Net interest income	935		—		—		(18		)	917
Provision for credit losses	44		—		—		—			44
Non-interest income	237		46		20		(9		)	294
Non-interest expense (1)	621		34		17		10			682
Amortization of intangibles	13		—		1		—			14
Income tax expense (benefit)	88		3		—		(7		)	84
Net income (loss)	406		9		2		(30		)	387
Total assets	34,491		32		35		57			34,615
Total intangibles	2,291		10		28		—			2,329

(in millions)	Community Banking		Wealth Manage- ment		Insurance			Consumer Finance		Parent and Other			Consolidated
At or for the Year Ended December 31, 2018
Interest income	$	1,145	$	—	$	—		$	25	$	—		$	1,170
Interest expense	219		—		—			2		17			238
Net interest income	926		—		—			23		(17		)	932
Provision for credit losses	54		—		—			6		1			61
Non-interest income	213		44		16			2		1			276
Non-interest expense (1)	609		33		17			15		5			679
Amortization of intangibles	15		1		—			—		—			16
Income tax expense (benefit)	82		2		—			1		(6		)	79
Net income (loss)	379		8		(1		)	3		(16		)	373
Total assets	32,997		26		25			—		54			33,102
Total intangibles	2,304		10		20			—		—			2,334
At or for the Year Ended December 31, 2017
Interest income	$	944	$	—	$	—		$	40	$	(4	)	$	980
Interest expense	118		—		—			4		12			134
Net interest income	826		—		—			36		(16		)	846
Provision for credit losses	53		—		—			8		—			61
Non-interest income	197		39		16			3		(3		)	252
Non-interest expense (1)	597		30		15			21		—			663
Amortization of intangibles	17		1		—			—		—			18
Income tax expense (benefit)	153		3		—			5		(4		)	157
Net income (loss)	203		5		1			5		(15		)	199
Total assets	31,156		24		21			181		36			31,418
Total intangibles	2,317		10		12			2		—			2,341

(1) Excludes amortization of intangibles, which is presented separately.