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BUSINESS SEGMENTS
 6 Months Ended
Jun. 30, 2021
Segment Reporting [Abstract]  
BUSINESS SEGMENTS BUSINESS SEGMENTS
We operate in three reportable segments: Community Banking, Wealth Management and Insurance.

•The Community Banking segment provides commercial and consumer banking services. Commercial banking solutions include corporate banking, small business banking, investment real estate financing, business credit, capital markets and lease financing. Consumer banking products and services include deposit products, mortgage lending, consumer lending and a complete suite of mobile and online banking services.
•The Wealth Management segment provides a broad range of personal and corporate fiduciary services including the administration of decedent and trust estates. In addition, it offers various alternative products, including securities brokerage and investment advisory services, mutual funds and annuities.
•The Insurance segment includes a full-service insurance brokerage service offering all lines of commercial and personal insurance through major carriers. The Insurance segment also includes a reinsurer.
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 17.1
(in millions)Community
Banking		Wealth
Management		InsuranceParent and
Other		Consolidated
At or for the Three Months Ended June 30, 2021
Interest income$253 $— $— $— $253 
Interest expense22 — — 3 25 
Net interest income231 — — (3)228 
Provision for credit losses(2)— — 1 (1)
Non-interest income60 15 7 (2)80 
Non-interest expense (1)
162 10 5 2 179 
Amortization of intangibles2 — 1 — 3 
Income tax expense (benefit)26 1 1 (3)25 
Net income (loss)103 4 — (5)102 
Total assets38,288 42 35 41 38,406 
Total intangibles2,273 9 28 — 2,310 
At or for the Three Months Ended June 30, 2020
Interest income$280 $— $— $1 $281 
Interest expense46 — — 6 52 
Net interest income234 — — (5)229 
Provision for credit losses30 — — — 30 
Non-interest income65 11 5 (4)77 
Non-interest expense (1)
157 8 4 3 172 
Amortization of intangibles3 — 1 — 4 
Income tax expense (benefit)17 — — (1)16 
Net income (loss)92 3 — (11)84 
Total assets37,598 33 36 54 37,721 
Total intangibles2,285 9 29 — 2,323 
(1) Excludes amortization of intangibles, which is presented separately.
(in millions)Community
Banking		Wealth
Management		InsuranceParent and
Other		Consolidated
At or for the Six Months Ended June 30, 2021
Interest income$504 $— $— $— $504 
Interest expense47 — — 6 53 
Net interest income457 — — (6)451 
Provision for credit losses4 — — 1 5 
Non-interest income123 30 13 (3)163 
Non-interest expense (1)
327 20 10 4 361 
Amortization of intangibles5 — 1 — 6 
Income tax expense (benefit)48 2 1 (4)47 
Net income (loss)196 8 1 (10)195 
Total assets38,288 42 35 41 38,406 
Total intangibles2,273 9 28 — 2,310 
At or for the Six Months Ended June 30, 2020
Interest income$586 $— $— $1 $587 
Interest expense114 — — 12 126 
Net interest income472 — — (11)461 
Provision for credit losses78 — — — 78 
Non-interest income117 24 11 (6)146 
Non-interest expense (1)
333 18 9 4 364 
Amortization of intangibles6 — 1 — 7 
Income tax expense (benefit)29 1 — (3)27 
Net income (loss)143 5 1 (18)131 
Total assets37,598 33 36 54 37,721 
Total intangibles2,285 9 29 — 2,323 
(1) Excludes amortization of intangibles, which is presented separately.