BUSINESS SEGMENTS (Tables)

3 Months Ended

Mar. 31, 2024

Segment Reporting [Abstract]

Schedule of Financial Information for Segments of FNB

The following table provides 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		Insurance		Parent and Other		Consolidated
At or for the Three Months Ended March 31, 2024
Interest income	$	542	$	—	$	—	$	1	$	543
Interest expense	218		—		—		6		224
Net interest income	324		—		—		(5)		319
Provision for credit losses	14		—		—		—		14
Non-interest income	62		20		7		(1)		88
Non-interest expense (1)	211		13		4		5		233
Amortization of intangibles	4		—		—		—		4
Income tax expense (benefit)	34		2		1		(3)		34
Net income (loss)	123		5		2		(8)		122
Total assets	45,639		43		33		181		45,896
Total intangibles	2,507		9		26		—		2,542
At or for the Three Months Ended March 31, 2023
Interest income	$	442	$	—	$	—	$	2	$	444
Interest expense	98		—		—		9		107
Net interest income	344		—		—		(7)		337
Provision for credit losses	14		—		—		—		14
Non-interest income	55		18		7		(1)		79
Non-interest expense (1)	195		13		4		3		215
Amortization of intangibles	5		—		—		—		5
Income tax expense (benefit)	38		1		—		(4)		35
Net income (loss)	147		4		3		(7)		147
Total assets	43,998		38		31		79		44,146
Total intangibles	2,526		9		26		—		2,561

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