

	Three Months Ended June 30, 2018
(Dollars in millions)	Consumer		Wholesale		Corporate Other			Reconciling Items			Consolidated
Balance Sheets:
Average LHFI		$75,450		$68,615		$94			($3	)		$144,156
Average consumer and commercial deposits	111,555		47,431		206			(235		)	158,957
Average total assets	85,309		82,133		35,400			1,706			204,548
Average total liabilities	112,438		53,481		14,738			(204		)	180,453
Average total equity	—		—		—			24,095			24,095
Statements of Income:
Net interest income		$1,058		$534		($42	)		($62	)		$1,488
FTE adjustment	—		22		1			(1		)	22
Net interest income-FTE ¹	1,058		556		(41		)	(63		)	1,510
Provision for credit losses ²	7		24		—			1			32
Net interest income after provision for credit losses-FTE	1,051		532		(41		)	(64		)	1,478
Total noninterest income	453		388		26			(38		)	829
Total noninterest expense	995		424		(25		)	(4		)	1,390
Income before provision for income taxes-FTE	509		496		10			(98		)	917
Provision for income taxes-FTE ³	115		118		13			(53		)	193
Net income including income attributable to noncontrolling interest	394		378		(3		)	(45		)	724
Net income attributable to noncontrolling interest	—		—		2			—			2
Net income		$394		$378		($5	)		($45	)		$722

¹Presented on a matched maturity funds transfer price basis for the segments.

²Provision for credit losses represents net charge-offs by segment combined with an allocation to the segments for the provision attributable to quarterly changes in the ALLL and unfunded commitment reserve balances.

³Includes regular provision for income taxes as well as FTE income and tax credit adjustment reversals.



	Three Months Ended June 30, 2017 ^{1, 2}
(Dollars in millions)	Consumer		Wholesale		Corporate Other			Reconciling Items			Consolidated
Balance Sheets:
Average LHFI		$73,680		$69,365		$1,400			($5	)		$144,440
Average consumer and commercial deposits	109,580		49,381		151			24			159,136
Average total assets	83,230		82,801		35,991			2,472			204,494
Average total liabilities	110,555		55,006		14,744			50			180,355
Average total equity	—		—		—			24,139			24,139
Statements of Income:
Net interest income		$975		$493		$9			($74	)		$1,403
FTE adjustment	—		35		1			—			36
Net interest income-FTE ³	975		528		10			(74		)	1,439
Provision for credit losses ⁴	84		6		1			(1		)	90
Net interest income after provision for credit losses-FTE	891		522		9			(73		)	1,349
Total noninterest income	473		378		17			(41		)	827
Total noninterest expense	983		421		(11		)	(5		)	1,388
Income before provision for income taxes-FTE	381		479		37			(109		)	788
Provision for income taxes-FTE ⁵	137		178		14			(71		)	258
Net income including income attributable to noncontrolling interest	244		301		23			(38		)	530
Net income attributable to noncontrolling interest	—		—		2			—			2
Net income		$244		$301		$21			($38	)		$528


¹	During the second quarter of 2018, certain of the Company's business banking clients were transferred from the Wholesale business segment to the Consumer business segment. For all periods prior to the second quarter of 2018, the corresponding financial results have been transferred to the Consumer business segment for comparability purposes.


²	During the fourth quarter of 2017, the Company sold PAC, the results of which were previously reported within the Wholesale business segment. For all periods prior to January 1, 2018, PAC's financial results, including the gain on sale, have been transferred to Corporate Other for enhanced comparability of the Wholesale business segment excluding PAC.


³	Presented on a matched maturity funds transfer price basis for the segments.


⁴	Provision for credit losses represents net charge-offs by segment combined with an allocation to the segments for the provision attributable to quarterly changes in the ALLL and unfunded commitment reserve balances.


⁵	Includes regular provision for income taxes as well as FTE income and tax credit adjustment reversals.



	Six Months Ended June 30, 2018
(Dollars in millions)	Consumer		Wholesale			Corporate Other			Reconciling Items			Consolidated
Balance Sheets:
Average LHFI		$75,564		$67,889			$92			($3	)		$143,542
Average consumer and commercial deposits	110,432		48,638			202			(209		)	159,063
Average total assets	85,210		81,514			35,538			2,079			204,341
Average total liabilities	111,309		54,568			14,306			(191		)	179,992
Average total equity	—		—			—			24,349			24,349
Statements of Income:
Net interest income		$2,073		$1,046			($70	)		($121	)		$2,928
FTE adjustment	—		42			1			—			43
Net interest income-FTE ¹	2,073		1,088			(69		)	(121		)	2,971
Provision/(benefit) for credit losses ²	65		(6		)	—			1			60
Net interest income after provision/(benefit) for credit losses-FTE	2,008		1,094			(69		)	(122		)	2,911
Total noninterest income	904		751			40			(69		)	1,626
Total noninterest expense	2,004		876			(62		)	(11		)	2,807
Income before provision for income taxes-FTE	908		969			33			(180		)	1,730
Provision for income taxes-FTE ³	202		229			24			(94		)	361
Net income including income attributable to noncontrolling interest	706		740			9			(86		)	1,369
Less: Net income attributable to noncontrolling interest	—		—			5			(1		)	4
Net income		$706		$740			$4			($85	)		$1,365

¹Presented on a matched maturity funds transfer price basis for the segments.

²Provision/(benefit) for credit losses represents net charge-offs by segment combined with an allocation to the segments for the provision/(benefit) attributable to quarterly changes in the ALLL and unfunded commitment reserve balances.

³Includes regular provision for income taxes as well as FTE income and tax credit adjustment reversals.



	Six Months Ended June 30, 2017^{1, 2}
(Dollars in millions)	Consumer		Wholesale		Corporate Other			Reconciling Items			Consolidated
Balance Sheets:
Average LHFI		$73,247		$69,469		$1,344			($2	)		$144,058
Average consumer and commercial deposits	108,818		50,070		131			(13		)	159,006
Average total assets	82,991		82,883		35,709			2,791			204,374
Average total liabilities	109,792		55,700		14,962			14			180,468
Average total equity	—		—		—			23,906			23,906
Statements of Income:
Net interest income		$1,917		$971		$34			($153	)		$2,769
FTE adjustment	—		69		1			—			70
Net interest income-FTE ³	1,917		1,040		35			(153		)	2,839
Provision for credit losses ⁴	171		38		—			—			209
Net interest income after provision for credit losses-FTE	1,746		1,002		35			(153		)	2,630
Total noninterest income	945		771		41			(83		)	1,674
Total noninterest expense	2,010		867		(16		)	(8		)	2,853
Income before provision for income taxes-FTE	681		906		92			(228		)	1,451
Provision for income taxes-FTE ⁵	245		337		8			(139		)	451
Net income including income attributable to noncontrolling interest	436		569		84			(89		)	1,000
Less: Net income attributable to noncontrolling interest	—		—		5			—			5
Net income		$436		$569		$79			($89	)		$995


¹	During the second quarter of 2018, certain of the Company's business banking clients were transferred from the Wholesale business segment to the Consumer business segment. For all periods prior to the second quarter of 2018, the corresponding financial results have been transferred to the Consumer business segment for comparability purposes.


²	During the fourth quarter of 2017, the Company sold PAC, the results of which were previously reported within the Wholesale business segment. For all periods prior to January 1, 2018, PAC's financial results, including the gain on sale, have been transferred to Corporate Other for enhanced comparability of the Wholesale business segment excluding PAC.


³	Presented on a matched maturity funds transfer price basis for the segments.


⁴	Provision for credit losses represents net charge-offs by segment combined with an allocation to the segments for the provision attributable to quarterly changes in the ALLL and unfunded commitment reserve balances.


⁵	Includes regular provision for income taxes as well as FTE income and tax credit adjustment reversals.