Exhibit 99.3

Citizens Financial Group, Inc.

Financial Supplement

Fourth Quarter and Full Year 2017

1

Table of Contents	Page
Consolidated Financial Highlights	3
Consolidated Statements of Operations (unaudited)	5
Consolidated Balance Sheets (unaudited)	6
Loans and Deposits	7
Average Balance Sheets and Annualized Yields	8
Segment Financial Highlights	10
Credit-Related Information:
Credit Exposure	17
Nonperforming Assets	18
Charge-offs, Recoveries and Related Ratios	19
Summary of Changes in the Components of the Allowance for Credit Losses	21
Capital and Ratios	22
Key Performance Metrics, Non-GAAP Financial Measures and Reconciliations	23

The information in this Financial Supplement is preliminary and based on company data available at the time of the earnings presentation. It speaks only as of the particular date or dates included in the accompanying pages. The company does not undertake an obligation to, and disclaims any duty to, update any of the information provided. Any forward-looking statements in this Financial Supplement are subject to the forward-looking statements language contained in the company’s reports filed with the SEC pursuant to the Securities Exchange Act of 1934, which can be found on the SEC’s website (www.sec.gov) or on the company’s website (www.citizensbank.com). The company’s future financial performance is subject to the risks and uncertainties described in its SEC filings.

2

CONSOLIDATED FINANCIAL HIGHLIGHTS

(in millions, except share, per-share and ratio data)

	QUARTERLY TRENDS																											FULL YEAR
																4Q17 Change																		2017 Change
	4Q17			3Q17			2Q17			1Q17			4Q16			3Q17						4Q16						2017			2016			2016
																$			%			$			%									$			%
SELECTED OPERATING DATA
Total revenue		$1,484			$1,443			$1,396			$1,384			$1,363			$41			3	%		$121			9	%		$5,707			$5,255			$452			9	%
Noninterest expense		898			858			864			854			847			40			5			51			6			3,474			3,352			122			4
Profit before provision for credit losses		586			585			532			530			516			1			–			70			14			2,233			1,903			330			17
Provision for credit losses		83			72			70			96			102			11			15			(19	)		(19	)		321			369			(48	)		(13	)
NET INCOME		666			348			318			320			282			318			91			384			136			1,652			1,045			607			58
Net income, Adjusted/Underlying1		349			348			318			297			282			1			–			67			24			1,312			1,026			286			28
Net income available to common stockholders		666			341			318			313			282			325			95			384			136			1,638			1,031			607			59
Net income available to common stockholders, Adjusted/Underlying1		349			341			318			290			282			8			2			67			24			1,298			1,012			286			28
PER COMMON SHARE DATA
Basic earnings		$1.35			$0.68			$0.63			$0.61			$0.55			$0.67			99	%		$0.80			145	%		$3.26			$1.97			$1.29			65	%
Diluted earnings		1.35			0.68			0.63			0.61			0.55			0.67			99			0.80			145			3.25			1.97			1.28			65
Basic earnings, Adjusted/Underlying1		0.71			0.68			0.63			0.57			0.55			0.03			4			0.16			29			2.59			1.94			0.65			34
Diluted earnings, Adjusted/Underlying1		0.71			0.68			0.63			0.57			0.55			0.03			4			0.16			29			2.58			1.93			0.65			34
Cash dividends declared and paid per common share		0.18			0.18			0.14			0.14			0.12			–			–			0.06			50			0.64			0.46			0.18			39
Book value per common share		40.80			39.76			39.17			38.47			38.09			1.04			3			2.71			7			40.80			38.09			2.71			7
Tangible book value per common share		27.48			27.05			26.61			26.02			25.69			0.43			2			1.79			7			27.48			25.69			1.79			7
Dividend payout ratio		13	%		26	%		22	%		23	%		22	%		NM						(900	) bps					20	%		23	%		(300	) bps
Dividend payout ratio, Adjusted/Underlying1		25			26			22			25			22			(100	) bps					300 bps						25			24			100 bps
COMMON SHARES OUTSTANDING
Average: Basic		492,149,763			500,861,076			506,371,846			509,451,450			512,015,920			(8,711,313	)		(2	%)		(19,866,157	)		(4	%)		502,157,440			522,093,545			(19,936,105	)		(4	%)
Diluted		493,788,007			502,157,384			507,414,122			511,348,200			513,897,085			(8,369,377	)		(2	)		(20,109,078	)		(4	)		503,685,091			523,930,718			(20,245,627	)		(4	)
Common shares at period-end		490,812,912			499,505,285			505,880,851			509,515,646			511,954,871			(8,692,373	)		(2	)		(21,141,959	)		(4	)		490,812,912			511,954,871			(21,141,959	)		(4	)
SHARE PRICE
High		$42.93			$38.06			$38.01			$39.75			$36.56			$4.87			13	%		$6.37			17	%		$42.93			$36.56			$6.37			17	%
Low		36.10			31.51			33.13			32.99			24.22			4.59			15			11.88			49			31.51			18.04			13.47			75
Close		41.98			37.87			35.68			34.55			35.63			4.11			11			6.35			18			41.98			35.63			6.35			18
Market capitalization		20,604			18,916			18,050			17,604			18,241			1,688			9			2,363			13			20,604			18,241			2,363			13
SEGMENT NET INCOME
Consumer Banking		$117			$122			$118			$95			$92			($5	)		(4	%)		$25			27	%		$452			$345			$107			31	%
Commercial Banking		206			201			187			180			172			5			2			34			20			774			631			143			23
Other		343			25			13			45			18			318			NM			325			NM			426			69			357			NM
NET INCOME		$666			$348			$318			$320			$282			$318			91	%		$384			136	%		$1,652			$1,045			$607			58	%

¹ These are non-GAAP financial measures. For further information on these measures, refer to “Key Performance Metrics, Non-GAAP Financial Measures and Reconciliations” at the end of this document.

3

CONSOLIDATED FINANCIAL HIGHLIGHTS, CONTINUED

(in millions, except ratio and headcount data)

	QUARTERLY TRENDS																											FULL YEAR
																4Q17 Change																		2017 Change
	4Q17			3Q17			2Q17			1Q17			4Q16			3Q17						4Q16						2017			2016			2016
																$/bps			%			$/bps			%									$/bps			%
FINANCIAL RATIOS
Net interest margin		3.08	%		3.05	%		2.97	%		2.96	%		2.90	%		3	bps					18	bps					3.02	%		2.86	%		16	bps
Return on average common equity		13.46			6.87			6.48			6.52			5.70			659	bps					776	bps					8.35			5.23			312	bps
Return on average common equity, Adjusted/Underlying1		7.05			6.87			6.48			6.05			5.70			18	bps					135	bps					6.62			5.14			148	bps
Return on average tangible common equity		19.92			10.13			9.57			9.68			8.43			979	bps						NM					12.35			7.74			461	bps
Return on average tangible common equity, Adjusted/Underlying1		10.43			10.13			9.57			8.98			8.43			30	bps					200	bps					9.79			7.60			219	bps
Return on average total assets		1.75			0.92			0.85			0.87			0.76			83	bps					99	bps					1.10			0.73			37	bps
Return on average total assets, Adjusted/Underlying1		0.92			0.92			0.85			0.81			0.76			–	bps					16	bps					0.88			0.72			16	bps
Return on average total tangible assets		1.83			0.96			0.89			0.91			0.79			87	bps					104	bps					1.15			0.76			39	bps
Return on average total tangible assets, Adjusted/Underlying1		0.96			0.96			0.89			0.85			0.79			–	bps					17	bps					0.91			0.75			16	bps
Effective income tax rate		(32.40	)		32.18			31.13			26.36			31.90			NM						NM						13.62			31.88			NM
Effective income tax rate, Adjusted/Underlying1		33.68			32.18			31.13			31.56			31.90			150	bps					178	bps					32.20			31.74			46	bps
Efficiency ratio		60.52			59.41			61.94			61.68			62.18			111	bps					(166	) bps					60.87			63.80			(293	) bps
Efficiency ratio, Adjusted/Underlying1		58.50			59.41			60.36			61.68			62.18			(91	) bps					(368	) bps					59.96			63.92			(396	) bps
CAPITAL RATIOS - PERIOD END (PRELIMINARY)2
CET1 capital ratio		11.1	%		11.1	%		11.2	%		11.2	%		11.2	%
Tier 1 capital ratio		11.3			11.3			11.4			11.4			11.4
Total capital ratio		13.8			13.8			14.0			14.0			14.0
Tier 1 leverage ratio		9.9			9.9			9.9			9.9			9.9
SELECTED BALANCE SHEET DATA (PERIOD END)
Total assets		$152,336			$151,356			$151,407			$150,285			$149,520			$980			1	%		$2,816			2	%		$152,336			$149,520			$2,816			2	%
Loans and leases:
Commercial		52,031			52,381			51,888			51,892			51,651			(350	)		(1	)		380			1			52,031			51,651			380			1
Retail		58,586			57,770			57,158			56,219			56,018			816			1			2,568			5			58,586			56,018			2,568			5
Total loans and leases		110,617			110,151			109,046			108,111			107,669			466			–			2,948			3			110,617			107,669			2,948			3
Deposits		115,089			113,235			113,613			112,112			109,804			1,854			2			5,285			5			115,089			109,804			5,285			5
Long-term borrowed funds		11,765			13,400			13,154			11,780			12,790			(1,635	)		(12	)		(1,025	)		(8	)		11,765			12,790			(1,025	)		(8	)
Total stockholders’ equity		20,270			20,109			20,064			19,847			19,747			161			1			523			3			20,270			19,747			523			3
Loans-to-deposits ratio (period-end balances)3		96.74	%		98.36	%		96.60	%		97.03	%		98.62	%		(162	) bps					(188	) bps					96.74	%		98.62	%		(188	) bps
Loans-to-deposits ratio (average balances)3		97.77			97.59			99.08			98.81			98.14			18	bps					(37	) bps					98.30			98.58			(28	) bps
Full-time equivalent colleagues		17,594			17,696			17,738			17,515			17,639			(102	)		(1	)		(45	)		–			17,594			17,639			(45	)		–

¹ These are non-GAAP financial measures. For further information on these measures, refer to “Key Performance Metrics, Non-GAAP Financial Measures and Reconciliations” at the end of this document.

² U.S. Basel III transitional rules for institutions applying the standardized approach to calculating risk-weighted assets became effective January 1, 2015. The capital ratios and associated components are prepared using the U.S. Basel III standardized transitional approach. Per the final transition provision rule issued by banking regulators on November 21, 2017, U.S. Basel III ratio definitions impacting risk weighted assets and qualifying U.S. Basel III capital will be fully phased-in as of January 1, 2018.

³ Includes loans and leases held for sale.

4

CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited)

(in millions)

	QUARTERLY TRENDS																							FULL YEAR
												4Q17 Change																2017 Change
	4Q17			3Q17		2Q17		1Q17		4Q16		3Q17						4Q16						2017		2016		2016
												$			%			$			%							$			%
INTEREST INCOME:
Interest and fees on loans and leases		$1,121			$1,096		$1,040		$992		$963		$25			2	%		$158			16	%		$4,249		$3,653		$596			16	%
Interest and fees on loans held for sale		5			5		4		4		5		–			–			–			–			18		15		3			20
Interest and fees on other loans held for sale		4			3		2		1		–		1			33			4			100			10		6		4			67
Investment securities		156			155		154		160		152		1			1			4			3			625		584		41			7
Interest-bearing deposits in banks		5			5		5		3		2		–			–			3			150			18		8		10			125
Total interest income		1,291			1,264		1,205		1,160		1,122		27			2			169			15			4,920		4,266		654			15
INTEREST EXPENSE:
Deposits		130			123		102		86		76		7			6			54			71			441		270		171			63
Federal funds purchased and securities sold under agreements to repurchase		1			1		–		1		–		–			–			1			100			3		2		1			50
Other short-term borrowed funds		9			7		7		8		7		2			29			2			29			31		40		(9	)		(23	)
Long-term borrowed funds		71			71		70		60		53		–			–			18			34			272		196		76			39
Total interest expense		211			202		179		155		136		9			4			75			55			747		508		239			47
Net interest income		1,080			1,062		1,026		1,005		986		18			2			94			10			4,173		3,758		415			11
NONINTEREST INCOME:
Service charges and fees		131			131		129		125		132		–			–			(1	)		(1	)		516		522		(6	)		(1	)
Card fees		56			58		59		60		50		(2	)		(3	)		6			12			233		203		30			15
Capital markets fees		42			53		51		48		37		(11	)		(21	)		5			14			194		136		58			43
Trust and investment services fees		42			38		39		39		34		4			11			8			24			158		146		12			8
Letter of credit and loan fees		31			30		31		29		29		1			3			2			7			121		112		9			8
Foreign exchange and interest rate products		32			24		26		27		31		8			33			1			3			109		103		6			6
Mortgage banking fees		28			27		30		23		36		1			4			(8	)		(22	)		108		112		(4	)		(4	)
Securities gains, net		2			2		3		4		3		–			–			(1	)		(33	)		11		16		(5	)		(31	)
Other income		40			18		2		24		25		22			122			15			60			84		147		(63	)		(43	)
Total noninterest income		404			381		370		379		377		23			6			27			7			1,534		1,497		37			2
TOTAL REVENUE		1,484			1,443		1,396		1,384		1,363		41			3			121			9			5,707		5,255		452			9
Provision for credit losses		83			72		70		96		102		11			15			(19	)		(19	)		321		369		(48	)		(13	)
NONINTEREST EXPENSE:
Salaries and employee benefits		449			436		432		444		420		13			3			29			7			1,761		1,709		52			3
Outside services		118			99		96		91		98		19			19			20			20			404		377		27			7
Occupancy		80			78		79		82		77		2			3			3			4			319		307		12			4
Equipment expense		67			65		64		67		69		2			3			(2	)		(3	)		263		263		–			–
Amortization of software		46			45		45		44		44		1			2			2			5			180		170		10			6
Other operating expense		138			135		148		126		139		3			2			(1	)		(1	)		547		526		21			4
Total noninterest expense		898			858		864		854		847		40			5			51			6			3,474		3,352		122			4
Income before income tax expense		503			513		462		434		414		(10	)		(2	)		89			21			1,912		1,534		378			25
Income tax expense		(163	)		165		144		114		132		(328	)		(199	)		(295	)		(223	)		260		489		(229	)		(47	)
NET INCOME		$666			$348		$318		$320		$282		$318			91	%		$384			136	%		$1,652		$1,045		$607			58	%
Net income, Adjusted/Underlying1		$349			$348		$318		$297		$282		$1			—	%		$67			24	%		$1,312		$1,026		$286			28	%
Net income available to common stockholders		$666			$341		$318		$313		$282		$325			95	%		$384			136	%		$1,638		$1,031		$607			59	%
Net income available to common stockholders, Adjusted/Underlying1		$349			$341		$318		$290		$282		$8			2	%		$67			24	%		$1,298		$1,012		$286			28	%

¹ These are non-GAAP financial measures. For further information on these measures, refer to “Key Performance Metrics, Non-GAAP Financial Measures and Reconciliations” at the end of this document.

5

CONSOLIDATED BALANCE SHEETS (unaudited)

(in millions)

PERIOD END BALANCES	AS OF															DEC 31, 2017 CHANGE
	Dec 31, 2017			Sept 30, 2017			June 30, 2017			Mar 31, 2017			Dec 31, 2016			Sept 30, 2017						Dec 31, 2016
																$			%			$			%
ASSETS:
Cash and due from banks		$987			$781			$904			$882			$955			$206			26	%		$32			3	%
Interest-bearing cash and due from banks		2,045			1,339			3,263			3,111			2,749			706			53			(704	)		(26	)
Interest-bearing deposits in banks		192			287			433			351			439			(95	)		(33	)		(247	)		(56	)
Securities available for sale, at fair value		20,157			19,982			19,257			19,964			19,501			175			1			656			3
Securities held to maturity		4,685			4,823			4,967			4,992			5,071			(138	)		(3	)		(386	)		(8	)
Other investment securities, at fair value		169			165			97			101			96			4			2			73			76
Other investment securities, at cost		722			772			794			939			942			(50	)		(6	)		(220	)		(23	)
Loans held for sale, at fair value		497			500			520			448			583			(3	)		(1	)		(86	)		(15	)
Other loans held for sale		221			724			187			221			42			(503	)		(69	)		179			NM
Loans and leases		110,617			110,151			109,046			108,111			107,669			466			–			2,948			3
Less: Allowance for loan and lease losses		(1,236	)		(1,224	)		(1,219	)		(1,224	)		(1,236	)		(12	)		(1	)		–			–
Net loans and leases		109,381			108,927			107,827			106,887			106,433			454			–			2,948			3
Derivative assets1		617			596			408			357			627			21			4			(10	)		(2	)
Premises and equipment		685			618			600			582			601			67			11			84			14
Bank-owned life insurance		1,656			1,646			1,636			1,623			1,612			10			1			44			3
Goodwill		6,887			6,887			6,887			6,876			6,876			–			–			11			–
Due from broker		6			226			530			–			–			(220	)		(97	)		6			100
Other assets		3,429			3,083			3,097			2,951			2,993			346			11			436			15
TOTAL ASSETS		$152,336			$151,356			$151,407			$150,285			$149,520			$980			1	%		$2,816			2	%
LIABILITIES AND STOCKHOLDERS’ EQUITY:
LIABILITIES:
Deposits:
Noninterest-bearing		$29,279			$28,643			$27,814			$27,713			$28,472			$636			2	%		$807			3	%
Interest-bearing		85,810			84,592			85,799			84,399			81,332			1,218			1			4,478			6
Total deposits		115,089			113,235			113,613			112,112			109,804			1,854			2			5,285			5
Federal funds purchased and securities sold under agreements to repurchase2		815			453			429			1,093			1,148			362			80			(333	)		(29	)
Other short-term borrowed funds		1,856			1,505			2,004			2,762			3,211			351			23			(1,355	)		(42	)
Derivative liabilities1		310			242			159			320			659			68			28			(349	)		(53	)
Deferred taxes, net		571			744			740			744			714			(173	)		(23	)		(143	)		(20	)
Long-term borrowed funds		11,765			13,400			13,154			11,780			12,790			(1,635	)		(12	)		(1,025	)		(8	)
Other liabilities		1,660			1,668			1,244			1,627			1,447			(8	)		–			213			15
TOTAL LIABILITIES		132,066			131,247			131,343			130,438			129,773			819			1			2,293			2
STOCKHOLDERS’ EQUITY:
Preferred stock:
$25.00 par value, 100,000,000 shares authorized for each of the periods presented		247			247			247			247			247			–			–			–			–
Common stock:
$0.01 par value, 1,000,000,000 shares authorized for each of the periods presented		6			6			6			6			6			–			–			–			–
Additional paid-in capital		18,781			18,768			18,761			18,751			18,722			13			–			59			–
Retained earnings		4,019			3,442			3,191			2,944			2,703			577			17			1,316			49
Treasury stock, at cost		(2,108	)		(1,773	)		(1,548	)		(1,418	)		(1,263	)		(335	)		(19	)		(845	)		(67	)
Accumulated other comprehensive loss		(675	)		(581	)		(593	)		(683	)		(668	)		(94	)		(16	)		(7	)		(1	)
TOTAL STOCKHOLDERS’ EQUITY		20,270			20,109			20,064			19,847			19,747			161			1			523			3
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY		$152,336			$151,356			$151,407			$150,285			$149,520			$980			1	%		$2,816			2	%
Memo: Total tangible common equity		$13,489			$13,512			$13,463			$13,258			$13,154			($23	)		–	%		$335			3	%

¹ 2017 balances reflect changes in the treatment of variation margin on certain centrally cleared derivatives.

² Balances are net of certain short-term receivables associated with reverse repurchase agreements.

6

LOANS AND DEPOSITS

(in millions)

PERIOD END BALANCES	AS OF										DEC 31, 2017 CHANGE
	Dec 31, 2017		Sept 30, 2017		June 30, 2017		Mar 31, 2017		Dec 31, 2016		Sept 30, 2017						Dec 31, 2016
											$			%			$			%
LOANS AND LEASES:
Commercial		$37,562		$37,706		$37,329		$37,369		$37,274		($144	)		–	%		$288			1	%
Commercial real estate		11,308		11,426		11,213		10,915		10,624		(118	)		(1	)		684			6
Leases		3,161		3,249		3,346		3,608		3,753		(88	)		(3	)		(592	)		(16	)
Total commercial loans and leases		52,031		52,381		51,888		51,892		51,651		(350	)		(1	)		380			1
Residential mortgages		17,045		16,619		16,082		15,389		15,115		426			3			1,930			13
Home equity loans		1,392		1,483		1,606		1,730		1,858		(91	)		(6	)		(466	)		(25	)
Home equity lines of credit		13,483		13,555		13,696		13,812		14,100		(72	)		(1	)		(617	)		(4	)
Home equity loans serviced by others1		542		599		647		698		750		(57	)		(10	)		(208	)		(28	)
Home equity lines of credit serviced by others1		149		166		182		201		219		(17	)		(10	)		(70	)		(32	)
Automobile		13,204		13,311		13,449		13,636		13,938		(107	)		(1	)		(734	)		(5	)
Education2		8,134		8,014		7,720		7,242		6,610		120			1			1,524			23
Credit card		1,848		1,754		1,711		1,650		1,691		94			5			157			9
Other retail		2,789		2,269		2,065		1,861		1,737		520			23			1,052			61
Total retail loans		58,586		57,770		57,158		56,219		56,018		816			1			2,568			5
Total loans and leases		$110,617		$110,151		$109,046		$108,111		$107,669		$466			–	%		$2,948			3	%
Loans held for sale		$497		$500		$520		$448		$583		($3	)		(1	%)		($86	)		(15	%)
Other loans held for sale		221		724		187		221		42		(503	)		(69	)		179				NM
Loans and leases and loans held for sale		$111,335		$111,375		$109,753		$108,780		$108,294		($40	)		–	%		$3,041			3	%
DEPOSITS:
Demand		$29,279		$28,643		$27,814		$27,713		$28,472		$636			2	%		$807			3	%
Checking with interest		22,229		21,756		22,497		21,913		20,714		473			2			1,515			7
Regular savings		9,518		9,470		9,542		9,441		8,964		48			1			554			6
Money market accounts		37,454		37,070		38,275		37,833		38,176		384			1			(722	)		(2	)
Term deposits		16,609		16,296		15,485		15,212		13,478		313			2			3,131			23
Total deposits		$115,089		$113,235		$113,613		$112,112		$109,804		$1,854			2	%		$5,285			5	%

¹ Our Serviced by Others (“SBO”) portfolio consists of purchased loans and lines of credit that were originally serviced by others. We now service a portion of this portfolio internally.

² During first quarter 2017, student loans were renamed to “education” loans.

7

AVERAGE BALANCE SHEETS AND ANNUALIZED YIELDS

(in millions)

	QUARTERLY TRENDS																											FULL YEAR
AVERAGE BALANCES																4Q17 Change																		2017 Change
	4Q17			3Q17			2Q17			1Q17			4Q16			3Q17						4Q16						2017			2016			2016
																$			%			$			%									$			%
ASSETS:
Interest-bearing cash and due from banks and deposits in banks		$1,528			$1,663			$2,081			$1,965			$1,979			($135	)		(8	%)		($451	)		(23	%)		$1,807			$1,931			($124	)		(6	%)
Taxable investment securities		25,678			25,588			25,732			25,789			25,680			90			–			(2	)		–			25,696			24,643			1,053			4
Non-taxable investment securities		6			7			7			7			8			(1	)		(14	)		(2	)		(25	)		7			8			(1	)		(13	)
Total investment securities		25,684			25,595			25,739			25,796			25,688			89			–			(4	)		–			25,703			24,651			1,052			4
Investment securities and interest-bearing deposits		27,212			27,258			27,820			27,761			27,667			(46	)		–			(455	)		(2	)		27,510			26,582			928			3
Commercial		37,713			37,448			37,846			37,517			36,965			265			1			748			2			37,631			35,652			1,979			6
Commercial real estate		11,396			11,401			11,086			10,821			10,294			(5	)		–			1,102			11			11,178			9,741			1,437			15
Leases		3,201			3,302			3,557			3,696			3,773			(101	)		(3	)		(572	)		(15	)		3,437			3,841			(404	)		(11	)
Total commercial loans and leases		52,310			52,151			52,489			52,034			51,032			159			–			1,278			3			52,246			49,234			3,012			6
Residential mortgages		16,794			16,323			15,646			15,285			14,896			471			3			1,898			13			16,017			14,005			2,012			14
Home equity loans		1,437			1,547			1,668			1,793			1,934			(110	)		(7	)		(497	)		(26	)		1,610			2,180			(570	)		(26	)
Home equity lines of credit		13,501			13,608			13,765			13,955			14,188			(107	)		(1	)		(687	)		(5	)		13,706			14,402			(696	)		(5	)
Home equity loans serviced by others1		564			618			668			719			774			(54	)		(9	)		(210	)		(27	)		642			867			(225	)		(26	)
Home equity lines of credit serviced by others1		156			173			188			207			228			(17	)		(10	)		(72	)		(32	)		181			281			(100	)		(36	)
Automobile		13,277			13,349			13,574			13,772			13,994			(72	)		(1	)		(717	)		(5	)		13,491			13,953			(462	)		(3	)
Education2		8,071			7,814			7,490			6,837			6,215			257			3			1,856			30			7,557			5,558			1,999			36
Credit cards		1,803			1,738			1,693			1,665			1,654			65			4			149			9			1,725			1,620			105			6
Other retail		2,537			2,163			1,959			1,798			1,619			374			17			918			57			2,117			1,288			829			64
Total retail loans		58,140			57,333			56,651			56,031			55,502			807			1			2,638			5			57,046			54,154			2,892			5
Total loans and leases		110,450			109,484			109,140			108,065			106,534			966			1			3,916			4			109,292			103,388			5,904			6
Loans held for sale, at fair value		482			503			465			510			551			(21	)		(4	)		(69	)		(13	)		490			425			65			15
Other loans held for sale		285			234			162			74			6			51			22			279			NM			190			141			49			35
Interest-earning assets		138,429			137,479			137,587			136,410			134,758			950			1			3,671			3			137,482			130,536			6,946			5
Allowance for loan and lease losses		(1,222	)		(1,220	)		(1,223	)		(1,235	)		(1,234	)		(2	)		–			12			1			(1,225	)		(1,227	)		2			–
Goodwill		6,887			6,887			6,882			6,876			6,876			–			–			11			–			6,883			6,876			7			–
Other noninterest-earning assets		7,017			6,866			6,632			6,735			6,915			151			2			102			1			6,813			6,998			(185	)		(3	)
TOTAL ASSETS		$151,111			$150,012			$149,878			$148,786			$147,315			$1,099			1	%		$3,796			3	%		$149,953			$143,183			$6,770			5	%
LIABILITIES AND STOCKHOLDERS’ EQUITY: LIABILITIES:
Checking with interest		$21,459			$21,909			$21,751			$20,699			$20,268			($450	)		(2	%)		$1,191			6	%		$21,458			$19,320			$2,138			11	%
Money market accounts		37,483			37,535			36,912			37,874			38,397			(52	)		–			(914	)		(2	)		37,450			37,106			344			1
Regular savings		9,473			9,491			9,458			9,110			8,826			(18	)		–			647			7			9,384			8,691			693			8
Term deposits		16,470			15,971			15,148			14,173			13,191			499			3			3,279			25			15,448			12,696			2,752			22
Total interest-bearing deposits		84,885			84,906			83,269			81,856			80,682			(21	)		–			4,203			5			83,740			77,813			5,927			8
Federal funds purchased and securities sold under agreements to repurchase3		685			733			808			882			1,024			(48	)		(7	)		(339	)		(33	)		776			947			(171	)		(18	)
Other short-term borrowed funds		2,432			1,624			2,275			2,963			3,428			808			50			(996	)		(29	)		2,321			3,207			(886	)		(28	)
Long-term borrowed funds		11,658			12,210			13,647			12,412			10,758			(552	)		(5	)		900			8			12,479			10,472			2,007			19
Total borrowed funds		14,775			14,567			16,730			16,257			15,210			208			1			(435	)		(3	)		15,576			14,626			950			6
Total interest-bearing liabilities		99,660			99,473			99,999			98,113			95,892			187			–			3,768			4			99,316			92,439			6,877			7
Total demand deposits		28,868			28,041			27,521			28,098			28,443			827			3			425			1			28,134			27,634			500			2
Other liabilities		2,712			2,523			2,452			2,868			3,088			189			7			(376	)		(12	)		2,637			3,165			(528	)		(17	)
TOTAL LIABILITIES		131,240			130,037			129,972			129,079			127,423			1,203			1			3,817			3			130,087			123,238			6,849			6
STOCKHOLDERS’ EQUITY		19,871			19,975			19,906			19,707			19,892			(104	)		(1	)		(21	)		–			19,866			19,945			(79	)		–
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY		$151,111			$150,012			$149,878			$148,786			$147,315			$1,099			1	%		$3,796			3	%		$149,953			$143,183			$6,770			5	%
Memo: Total average tangible common equity		$13,266			$13,376			$13,309			$13,115			$13,291			($110	)		(1	%)		($25	)		–	%		$13,267			$13,322			($55	)		–	%
Total deposits (interest-bearing and demand)		$113,753			$112,947			$110,790			$109,954			$109,125			$806			1	%		$4,628			4	%		$111,874			$105,447			$6,427			6	%

¹ Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others. We now service a portion of this portfolio internally.

² During first quarter 2017, student loans were renamed “education” loans.

³ Balances are net of certain short-term receivables associated with reverse repurchase agreements.

8

AVERAGE BALANCE SHEETS AND ANNUALIZED YIELDS, CONTINUED

(in millions, except rates)

	QUARTERLY TRENDS																									FULL YEAR
AVERAGE ANNUALIZED YIELDS AND RATES	4Q17					3Q17					2Q17					1Q17					4Q16					2017					2016
	Rate			Income/ Expense		Rate			Income/ Expense		Rate			Income/ Expense		Rate			Income/ Expense		Rate			Income/ Expense		Rate			Income/ Expense		Rate			Income/ Expense
INTEREST-EARNING ASSETS:
Interest-bearing deposits in banks		1.30	%		$5		1.14	%		$5		0.88	%		$5		0.63	%		$3		0.43	%		$2		0.96	%		$18		0.41	%		$8
Taxable investment securities		2.44			156		2.42			155		2.39			154		2.48			160		2.36			152		2.43			625		2.37			584
Non-taxable investment securities		2.60			–		2.60			–		2.60			–		2.60			–		2.60			–		2.60			–		2.60			–
Total investment securities		2.44			156		2.42			155		2.39			154		2.48			160		2.36			152		2.43			625		2.37			584
Investment securities and interest-bearing deposits					161					160					159					163					154					643					592
Commercial		3.65			352		3.61			344		3.40			326		3.33			312		3.22			304		3.50			1,334		3.13			1,136
Commercial real estate		3.80			110		3.69			108		3.47			97		3.21			87		2.98			78		3.55			402		2.81			278
Leases		2.48			20		2.54			21		2.50			22		2.47			23		2.32			22		2.50			86		2.41			93
Total commercial loans and leases		3.61			482		3.56			473		3.35			445		3.24			422		3.11			404		3.44			1,822		3.01			1,507
Residential mortgages		3.57			149		3.57			146		3.57			140		3.55			136		3.46			129		3.57			571		3.60			504
Home equity loans		5.60			20		5.72			22		5.74			24		5.66			25		5.66			28		5.68			91		5.64			123
Home equity lines of credit		3.97			135		3.93			135		3.68			126		3.43			118		3.21			114		3.75			514		3.18			457
Home equity loans serviced by others1		7.20			11		7.04			11		7.12			11		7.02			13		7.18			13		7.09			46		7.11			62
Home equity lines of credit serviced by others1		4.32			1		4.05			2		4.24			2		3.75			2		3.17			2		4.07			7		2.41			7
Automobile		3.39			114		3.31			111		3.23			110		3.16			107		3.03			107		3.27			442		2.94			411
Education2		5.43			111		5.36			106		5.26			98		5.23			88		5.11			80		5.33			403		5.08			282
Credit cards		10.46			47		10.69			47		10.71			45		11.16			46		11.14			46		10.75			185		11.22			181
Other retail		7.92			51		7.88			43		8.01			39		7.94			35		9.70			40		7.94			168		9.23			119
Total retail loans		4.37			639		4.32			623		4.21			595		4.11			570		4.01			559		4.25			2,427		3.96			2,146
Total loans and leases		4.01			1,121		3.96			1,096		3.80			1,040		3.69			992		3.58			963		3.87			4,249		3.51			3,653
Loans held for sale		3.70			5		3.69			5		3.60			4		3.31			4		3.29			5		3.58			18		3.40			15
Other loans held for sale		5.49			4		4.72			3		5.51			2		6.62			1		6.24			–		5.36			10		4.55			6
Total interest-earning assets		3.69			1,291		3.64			1,264		3.49			1,205		3.42			1,160		3.30			1,122		3.56			4,920		3.25			4,266
INTEREST-BEARING LIABILITIES:
Checking with interest		0.41			23		0.43			23		0.36			20		0.26			13		0.21			10		0.37			79		0.18			34
Money market accounts		0.61			58		0.57			54		0.49			45		0.44			41		0.39			39		0.53			198		0.36			133
Regular savings		0.05			1		0.04			1		0.04			1		0.04			1		0.04			–		0.04			4		0.04			4
Term deposits		1.18			48		1.09			45		0.97			36		0.89			31		0.82			27		1.04			160		0.78			99
Total interest-bearing deposits		0.61			130		0.58			123		0.49			102		0.43			86		0.38			76		0.53			441		0.35			270
Federal funds purchased and securities sold under agreements to repurchase3		0.45			1		0.50			1		0.37			–		0.24			1		0.23			–		0.38			3		0.22			2
Other short-term borrowed funds		1.58			9		1.55			7		1.23			7		1.05			8		0.81			7		1.32			31		1.22			40
Long-term borrowed funds		2.42			71		2.31			71		2.05			70		1.94			60		1.94			53		2.17			272		1.86			196
Total borrowed funds		2.19			81		2.14			79		1.86			77		1.68			69		1.57			60		1.96			306		1.62			238
Total interest-bearing liabilities		0.84			211		0.80			202		0.72			179		0.64			155		0.57			136		0.75			747		0.55			508
INTEREST RATE SPREAD		2.85					2.84					2.77					2.78					2.73					2.81					2.70
NET INTEREST MARGIN		3.08	%				3.05	%				2.97	%				2.96	%				2.90	%				3.02	%				2.86	%
Memo Total deposit costs		0.45	%		$130		0.43	%		$123		0.37	%		$102		0.32	%		$86		0.28	%		$76		0.39	%		$441		0.26	%		$270

¹ Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others. We now service a portion of this portfolio internally.

² During first quarter 2017, student loans were renamed “education” loans.

³ Balances are net of certain short-term receivables associated with reverse repurchase agreements; interest expense includes the full cost of the repurchase agreements and certain hedging costs.

9

SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATING

(in millions, except ratio data)

	FOURTH QUARTER 2017												THIRD QUARTER 2017											CHANGE
																								4Q17 from 3Q17
	Consumer Banking			Commercial Banking			Other1			Consolidated			Consumer Banking			Commercial Banking			Other1		Consolidated			$/bps			%
Net interest income		$682			$367			$31			$1,080			$674			$354			$34		$1,062			$18			2	%
Noninterest income		229			138			37			404			227			136			18		381			23			6
Total revenue		911			505			68			1,484			901			490			52		1,443			41			3
Noninterest expense		654			195			49			898			648			195			15		858			40			5
Profit before provision for credit losses		257			310			19			586			253			295			37		585			1			–
Provision for credit losses		76			(1	)		8			83			65			–			7		72			11			15
Income before income tax expense (benefit)		181			311			11			503			188			295			30		513			(10	)		(2	)
Income tax expense (benefit)		64			105			(332	)		(163	)		66			94			5		165			(328	)		(199	)
Net income		$117			$206			$343			$666			$122			$201			$25		$348			$318			91	%
Average Balances
Total assets		$60,911			$50,169			$40,031			$151,111			$60,012			$49,833			$40,167		$150,012			$1,099			1	%
Total loans and leases2		59,547			48,938			2,732			111,217			58,679			48,746			2,796		110,221			996			1
Deposits		75,154			31,514			7,085			113,753			75,085			30,751			7,111		112,947			806			1
Interest-earning assets		59,598			49,118			29,713			138,429			58,729			48,875			29,875		137,479			950			1
Key Metrics
Net interest margin		4.54	%		2.96	%		NM			3.08	%		4.55	%		2.88	%		NM		3.05	%		3	bps
Efficiency ratio		71.90			38.84			NM			60.52			71.88			39.39			NM		59.41			111	bps
Loans-to-deposits ratio (period-end balances)2		79.49			152.77			NM			96.74			78.59			160.45			NM		98.36			(162	) bps
Loans-to-deposits ratio (average balances)2		79.23			155.29			NM			97.77			78.15			158.52			NM		97.59			18	bps
Return on average total tangible assets		0.76			1.62			NM			1.83			0.81			1.60			NM		0.96			87	bps
Return on average tangible common equity3		8.29			14.15			NM			19.92			8.72			14.06			NM		10.13			979	bps

¹ Includes the financial impact of non-core, liquidating loan portfolios and other non-core assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for credit losses and expenses, including income tax expense, not attributed to our Consumer Banking or Commercial Banking segments.

² Includes loans and leases held for sale.

³ Business operating segments are allocated capital on a risk-adjusted basis considering economic and regulatory capital requirements. We approximate that regulatory capital is equivalent to a sustainable target level for common equity tier 1 and then allocate that approximation to the business operating segments based on economic capital.

10

SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATING, CONTINUED

(in millions, except ratio data)

	FOURTH QUARTER 2017												FOURTH QUARTER 2016												CHANGE
																									4Q17 from 4Q16
	Consumer Banking			Commercial Banking			Other1			Consolidated			Consumer Banking			Commercial Banking			Other1			Consolidated			$/bps			%
Net interest income		$682			$367			$31			$1,080			$639			$347			$–			$986			$94			10	%
Noninterest income		229			138			37			404			227			122			28			377			27			7
Total revenue		911			505			68			1,484			866			469			28			1,363			121			9
Noninterest expense		654			195			49			898			649			187			11			847			51			6
Profit before provision for credit losses		257			310			19			586			217			282			17			516			70			14
Provision for credit losses		76			(1	)		8			83			74			20			8			102			(19	)		(19	)
Income before income tax expense (benefit)		181			311			11			503			143			262			9			414			89			21
Income tax expense (benefit)		64			105			(332	)		(163	)		51			90			(9	)		132			(295	)		(223	)
Net income		$117			$206			$343			$666			$92			$172			$18			$282			$384			136	%
Average Balances
Total assets		$60,911			$50,169			$40,031			$151,111			$58,066			$48,024			$41,225			$147,315			$3,796			3	%
Total loans and leases2		59,547			48,938			2,732			111,217			56,711			47,010			3,370			107,091			4,126			4
Deposits		75,154			31,514			7,085			113,753			73,124			29,410			6,591			109,125			4,628			4
Interest-earning assets		59,598			49,118			29,713			138,429			56,764			47,070			30,924			134,758			3,671			3
Key Metrics
Net interest margin		4.54	%		2.96	%		NM			3.08	%		4.47	%		2.93	%		NM			2.90	%		18	bps
Efficiency ratio		71.90			38.84			NM			60.52			74.90			39.83			NM			62.18			(166	) bps
Loans-to-deposits ratio (period-end balances)2		79.49			152.77			NM			96.74			77.33			166.25			NM			98.62			(188	) bps
Loans-to-deposits ratio (average balances)2		79.23			155.29			NM			97.77			77.55			159.84			NM			98.14			(37	) bps
Return on average total tangible assets		0.76			1.62			NM			1.83			0.63			1.42			NM			0.79			104	bps
Return on average tangible common equity3		8.29			14.15			NM			19.92			6.97			12.94			NM			8.43			NM

¹ Includes the financial impact of non-core, liquidating loan portfolios and other non-core assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for credit losses and expenses, including income tax expense, not attributed to our Consumer Banking or Commercial Banking segments.

² Includes loans and leases held for sale.

³ Business operating segments are allocated capital on a risk-adjusted basis considering economic and regulatory capital requirements. We approximate that regulatory capital is equivalent to a sustainable target level for common equity tier 1 and then allocate that approximation to the business operating segments based on economic capital.

11

SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATING, CONTINUED

(in millions, except ratio data)

	FULL YEAR 2017												FULL YEAR 2016												CHANGE
																									2017 from 2016
	Consumer Banking			Commercial Banking			Other1			Consolidated			Consumer Banking			Commercial Banking			Other1			Consolidated			$/bps			%
Net interest income		$2,651			$1,411			$111			$4,173			$2,443			$1,288			$27			$3,758			$415			11	%
Noninterest income		905			538			91			1,534			883			466			148			1,497			37			2
Total revenue		3,556			1,949			202			5,707			3,326			1,754			175			5,255			452			9
Noninterest expense		2,593			772			109			3,474			2,547			741			64			3,352			122			4
Profit before provision for credit losses		963			1,177			93			2,233			779			1,013			111			1,903			330			17
Provision for credit losses		265			19			37			321			243			47			79			369			(48	)		(13	)
Income before income tax expense (benefit)		698			1,158			56			1,912			536			966			32			1,534			378			25
Income tax expense (benefit)		246			384			(370	)		260			191			335			(37	)		489			(229	)		(47	)
Net income		$452			$774			$426			$1,652			$345			$631			$69			$1,045			$607			58	%
Average Balances
Total assets		$59,714			$49,747			$40,492			$149,953			$56,388			$47,159			$39,636			$143,183			$6,770			5	%
Total loans and leases2		58,371			48,655			2,946			109,972			55,052			45,903			2,999			103,954			6,018			6
Deposits		74,873			30,005			6,996			111,874			72,003			26,811			6,633			105,447			6,427			6
Interest-earning assets		58,422			48,802			30,258			137,482			55,101			45,978			29,457			130,536			6,946			5
Key Metrics
Net interest margin		4.54	%		2.89	%		NM			3.02	%		4.43	%		2.80	%		NM			2.86	%		16	bps
Efficiency ratio		72.93			39.62			NM			60.87			76.57			42.26			NM			63.80			(293	) bps
Loans-to-deposits ratio (period-end balances)2		79.49			152.77			NM			96.74			77.33			166.25			NM			98.62			(188	) bps
Loans-to-deposits ratio (average balances)2		77.96			162.16			NM			98.30			76.46			171.21			NM			98.58			(28	) bps
Return on average total tangible assets		0.76			1.56			NM			1.15			0.61			1.34			NM			0.76			39	bps
Return on average tangible common equity3		8.17			13.70			NM			12.35			6.68			12.44			NM			7.74			461	bps

¹ Includes the financial impact of non-core, liquidating loan portfolios and other non-core assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for credit losses and expenses, including income tax expense, not attributed to our Consumer Banking or Commercial Banking segments.

² Includes loans and leases held for sale.

³ Business operating segments are allocated capital on a risk-adjusted basis considering economic and regulatory capital requirements. We approximate that regulatory capital is equivalent to a sustainable target level for common equity tier 1 and then allocate that approximation to the business operating segments based on economic capital.

12

SEGMENT FINANCIAL HIGHLIGHTS - CONSUMER BANKING

(in millions, except ratio data)

	QUARTERLY TRENDS																											FULL YEAR
CONSUMER BANKING																4Q17 Change																		2017 Change
	4Q17			3Q17			2Q17			1Q17			4Q16			3Q17						4Q16						2017			2016			2016
																$/bps			%			$/bps			%									$/bps			%
Net interest income		$682			$674			$657			$638			$639			$8			1	%		$43			7	%		$2,651			$2,443			$208			9	%
Noninterest income		229			227			229			220			227			2			1			2			1			905			883			22			2
Total revenue		911			901			886			858			866			10			1			45			5			3,556			3,326			230			7
Noninterest expense		654			648			644			647			649			6			1			5			1			2,593			2,547			46			2
Profit before provision for credit losses		257			253			242			211			217			4			2			40			18			963			779			184			24
Provision for credit losses		76			65			60			64			74			11			17			2			3			265			243			22			9
Income before income tax expense		181			188			182			147			143			(7	)		(4	)		38			27			698			536			162			30
Income tax expense		64			66			64			52			51			(2	)		(3	)		13			25			246			191			55			29
Net income		$117			$122			$118			$95			$92			($5	)		(4	%)		$25			27	%		$452			$345			$107			31	%
Average Balances
Total assets		$60,911			$60,012			$59,244			$58,660			$58,066			$899			1	%		$2,845			5	%		$59,714			$56,388			$3,326			6	%
Total loans1		59,547			58,679			57,922			57,309			56,711			868			1			2,836			5			58,371			55,052			3,319			6
Deposits		75,154			75,085			75,107			74,133			73,124			69			–			2,030			3			74,873			72,003			2,870			4
Interest-earning assets		59,598			58,729			57,973			57,361			56,764			869			1			2,834			5			58,422			55,101			3,321			6
Key Metrics
Net interest margin		4.54	%		4.55	%		4.54	%		4.51	%		4.47	%		(1	) bps					7	bps					4.54	%		4.43	%		11	bps
Efficiency ratio		71.90			71.88			72.64			75.41			74.90			2	bps					(300	) bps					72.93			76.57			(364	) bps
Loans-to-deposits ratio (period-end balances)1		79.49			78.59			77.16			75.66			77.33			90	bps					216	bps					79.49			77.33			216	bps
Loans-to-deposits ratio (average balances)1		79.23			78.15			77.12			77.31			77.55			108	bps					168	bps					77.96			76.46			150	bps
Return on average total tangible assets		0.76			0.81			0.80			0.66			0.63			(5	) bps					13	bps					0.76			0.61			15	bps
Return on average tangible common equity2		8.29			8.72			8.57			7.06			6.97			(43	) bps					132	bps					8.17			6.68			149	bps

¹ Includes loans held for sale.

² Business operating segments are allocated capital on a risk-adjusted basis considering economic and regulatory capital requirements. We approximate that regulatory capital is equivalent to a sustainable target level for common equity tier 1 and then allocate that approximation to the business operating segments based on economic capital.

13

SEGMENT FINANCIAL HIGHLIGHTS - COMMERCIAL BANKING

(in millions, except ratio data)

	QUARTERLY TRENDS																								FULL YEAR
COMMERCIAL BANKING															4Q17 Change															2017 Change
	4Q17		3Q17			2Q17			1Q17			4Q16			3Q17					4Q16					2017		2016			2016
															$/bps			%		$/bps			%							$/bps			%
Net interest income		$367		$354			$344			$346			$347			$13			4%		$20			6%		$1,411		$1,288			$123			10%
Noninterest income		138		136			130			134			122			2			1		16			13		538		466			72			15
Total revenue		505		490			474			480			469			15			3		36			8		1,949		1,754			195			11
Noninterest expense		195		195			192			190			187			–			–		8			4		772		741			31			4
Profit before provision for credit losses		310		295			282			290			282			15			5		28			10		1,177		1,013			164			16
Provision for credit losses		(1)		–			1			19			20			(1	)		100		(21	)		(105)		19		47			(28	)		(60)
Income before income tax expense		311		295			281			271			262			16			5		49			19		1,158		966			192			20
Income tax expense		105		94			94			91			90			11			12		15			17		384		335			49			15
Net income		$206		$201			$187			$180			$172			$5			2%		$34			20%		$774		$631			$143			23%
Average Balances
Total assets		$50,169		$49,833			$49,731			$49,243			$48,024			$336			1%		$2,145			4%		$49,747		$47,159			$2,588			5%
Total loans and leases1		48,938		48,746			48,772			48,154			47,010			192			–		1,928			4		48,655		45,903			2,752			6
Deposits		31,514		30,751			28,744			28,973			29,410			763			2		2,104			7		30,005		26,811			3,194			12
Interest-earning assets		49,118		48,875			48,923			48,283			47,070			243			–		2,048			4		48,802		45,978			2,824			6
Key Metrics
Net interest margin		2.96%		2.88	%		2.82	%		2.91	%		2.93	%		8	bps				3	bps				2.89%		2.80	%		9	bps
Efficiency ratio		38.84		39.39			40.48			39.80			39.83			(55	) bps				(99	) bps				39.62		42.26			(264	) bps
Loans-to-deposits ratio (period-end balances)1		152.77		160.45			158.39			165.09			166.25			(768	) bps				NM					152.77		166.25			NM
Loans-to-deposits ratio (average balances)1		155.29		158.52			169.68			166.20			159.84			(323	) bps				(455	) bps				162.16		171.21			(905	) bps
Return on average total tangible assets		1.62		1.60			1.51			1.48			1.42			2	bps				20	bps				1.56		1.34			22	bps
Return on average tangible common equity2		14.15		14.06			13.37			13.18			12.94			9	bps				121	bps				13.70		12.44			126	bps

¹ Includes loans and leases held for sale.

² Business operating segments are allocated capital on a risk-adjusted basis considering economic and regulatory capital requirements. We approximate that regulatory capital is equivalent to a sustainable target level for common equity tier 1 and then allocate that approximation to the business operating segments based on economic capital.

14

SEGMENT FINANCIAL HIGHLIGHTS - OTHER

(in millions)

	QUARTERLY TRENDS																		FULL YEAR
OTHER1											4Q17 Change												2017 Change
	4Q17		3Q17		2Q17		1Q17		4Q16		3Q17				4Q16				2017		2016		2016
											$/bps		%		$/bps		%						$/bps		%
Net interest income		$31		$34		$25		$21		$–		($3)		(9%)		$31		100%		$111		$27		$84		NM
Noninterest income		37		18		11		25		28		19		106		9		32		91		148		(57)		(39)
Total revenue		68		52		36		46		28		16		31		40		143		202		175		27		15
Noninterest expense		49		15		28		17		11		34		227		38		NM		109		64		45		70
Profit before provision for credit losses		19		37		8		29		17		(18)		(49)		2		12		93		111		(18)		(16)
Provision for credit losses		8		7		9		13		8		1		14		–		–		37		79		(42)		(53)
Income (loss) before income tax (benefit) expense		11		30		(1)		16		9		(19)		(63)		2		22		56		32		24		75
Income tax (benefit) expense		(332)		5		(14)		(29)		(9)		(337)		NM		(323)		NM		(370)		(37)		(333)		NM
Net income		$343		$25		$13		$45		$18		$318		NM		$325		NM		$426		$69		$357		NM
Average Balances
Total assets		$40,031		$40,167		$40,903		$40,883		$41,225		($136)		–%		($1,194)		(3%)		$40,492		$39,636		$856		2%
Total loans and leases		2,732		2,796		3,073		3,186		3,370		(64)		(2)		(638)		(19)		2,946		2,999		(53)		(2)
Deposits		7,085		7,111		6,939		6,848		6,591		(26)		–		494		7		6,996		6,633		363		5
Interest-earning assets		29,713		29,875		30,691		30,766		30,924		(162)		(1)		(1,211)		(4)		30,258		29,457		801		3

¹ Includes the financial impact of non-core, liquidating loan portfolios and other non-core assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for credit losses and expenses, including income tax expense, not attributed to our Consumer Banking or Commercial Banking segments.

15

SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATED

(in millions, except ratio data)

	QUARTERLY TRENDS																							FULL YEAR
CONSOLIDATED																4Q17 Change																2017 Change
	4Q17			3Q17			2Q17			1Q17			4Q16			3Q17					4Q16					2017			2016			2016
																$/bps			%		$/bps			%								$/bps			%
Net interest income		$1,080			$1,062			$1,026			$1,005			$986			$18			2%		$94			10%		$4,173			$3,758			$415			11%
Noninterest income		404			381			370			379			377			23			6		27			7		1,534			1,497			37			2
Total revenue		1,484			1,443			1,396			1,384			1,363			41			3		121			9		5,707			5,255			452			9
Noninterest expense		898			858			864			854			847			40			5		51			6		3,474			3,352			122			4
Profit before provision for credit losses		586			585			532			530			516			1			–		70			14		2,233			1,903			330			17
Provision for credit losses		83			72			70			96			102			11			15		(19	)		(19)		321			369			(48	)		(13)
Income before income tax (benefit) expense		503			513			462			434			414			(10	)		(2)		89			21		1,912			1,534			378			25
Income tax (benefit) expense		(163	)		165			144			114			132			(328	)		(199)		(295	)		(223)		260			489			(229	)		(47)
Net income		$666			$348			$318			$320			$282			$318			91%		$384			136%		$1,652			$1,045			$607			58%
Average Balances
Total assets		$151,111			$150,012			$149,878			$148,786			$147,315			$1,099			1%		$3,796			3%		$149,953			$143,183			$6,770			5%
Total loans and leases1		111,217			110,221			109,767			108,649			107,091			996			1		4,126			4		109,972			103,954			6,018			6
Deposits		113,753			112,947			110,790			109,954			109,125			806			1		4,628			4		111,874			105,447			6,427			6
Interest-earning assets		138,429			137,479			137,587			136,410			134,758			950			1		3,671			3		137,482			130,536			6,946			5
Key Metrics
Net interest margin		3.08	%		3.05	%		2.97	%		2.96	%		2.90	%		3	bps				18	bps				3.02	%		2.86	%		16	bps
Efficiency ratio		60.52			59.41			61.94			61.68			62.18			111	bps				(166	) bps				60.87			63.80			(293	) bps
Loans-to-deposits ratio (period-end balances)1		96.74			98.36			96.60			97.03			98.62			(162	) bps				(188	) bps				96.74			98.62			(188	) bps
Loans-to-deposits ratio (average balances)1		97.77			97.59			99.08			98.81			98.14			18	bps				(37	) bps				98.30			98.58			(28	) bps
Return on average total tangible assets		1.83			0.96			0.89			0.91			0.79			87	bps				104	bps				1.15			0.76			39	bps
Return on average tangible common equity		19.92			10.13			9.57			9.68			8.43			979	bps				NM					12.35			7.74			461	bps

¹ Includes loans and leases held for sale.

16

CREDIT-RELATED INFORMATION

(in millions)

	AS OF										DEC 31, 2017 CHANGE
	Dec 31, 2017		Sept 30, 2017		June 30, 2017		Mar 31, 2017		Dec 31, 2016		Sept 30, 2017						Dec 31, 2016
											$			%			$			%
CREDIT EXPOSURE:
Loans and leases:
Commercial		$37,562		$37,706		$37,329		$37,369		$37,274		($144	)		–	%		$288			1	%
Commercial real estate		11,308		11,426		11,213		10,915		10,624		(118	)		(1	)		684			6
Leases		3,161		3,249		3,346		3,608		3,753		(88	)		(3	)		(592	)		(16	)
Total commercial loans and leases		52,031		52,381		51,888		51,892		51,651		(350	)		(1	)		380			1
Residential mortgages		17,045		16,619		16,082		15,389		15,115		426			3			1,930			13
Home equity loans		1,392		1,483		1,606		1,730		1,858		(91	)		(6	)		(466	)		(25	)
Home equity lines of credit		13,483		13,555		13,696		13,812		14,100		(72	)		(1	)		(617	)		(4	)
Home equity loans serviced by others1		542		599		647		698		750		(57	)		(10	)		(208	)		(28	)
Home equity lines of credit serviced by others1		149		166		182		201		219		(17	)		(10	)		(70	)		(32	)
Automobile		13,204		13,311		13,449		13,636		13,938		(107	)		(1	)		(734	)		(5	)
Education2		8,134		8,014		7,720		7,242		6,610		120			1			1,524			23
Credit card		1,848		1,754		1,711		1,650		1,691		94			5			157			9
Other retail		2,789		2,269		2,065		1,861		1,737		520			23			1,052			61
Total retail loans		58,586		57,770		57,158		56,219		56,018		816			1			2,568			5
Total loans and leases		110,617		110,151		109,046		108,111		107,669		466			–			2,948			3
Derivative receivable:
Derivative receivable - commercial3		611		588		399		346		621		23			4			(10	)		(2	)
Derivative receivable - retail		6		8		9		11		6		(2	)		(25	)		–			–
Total derivative receivable		617		596		408		357		627		21			4			(10	)		(2	)
Total credit-related assets		111,234		110,747		109,454		108,468		108,296		487			–			2,938			3
Lending-related arrangements:
Undrawn commitments to extend credit - commercial		35,745		34,871		34,962		34,650		34,005		874			3			1,740			5
Financial standby letters of credit		2,036		2,080		2,053		1,912		1,892		(44	)		(2	)		144			8
Performance letters of credit		47		42		41		48		40		5			12			7			18
Commercial letters of credit		53		68		66		43		43		(15	)		(22	)		10			23
Marketing rights		41		41		42		44		44		–			–			(3	)		(7	)
Risk participation agreements		16		20		22		19		19		(4	)		(20	)		(3	)		(16	)
Total commercial lending-related arrangements		37,938		37,122		37,186		36,716		36,043		816			2			1,895			5
Undrawn commitments to extend credit - retail		27,214		27,063		27,026		28,160		26,867		151			1			347			1
Residential mortgage loans sold with recourse		7		7		8		8		8		–			–			(1	)		(13	)
Total retail lending-related arrangements		27,221		27,070		27,034		28,168		26,875		151			1			346			1
Total lending-related arrangements		65,159		64,192		64,220		64,884		62,918		967			2			2,241			4
Total credit exposure		$176,393		$174,939		$173,674		$173,352		$171,214		$1,454			1	%		$5,179			3	%
Memo: Total credit exposure by product:
Commercial exposure		$90,580		$90,091		$89,473		$88,954		$88,315		$489			1	%		$2,265			3	%
Retail exposure		85,813		84,848		84,201		84,398		82,899		965			1			2,914			4
Total credit exposure		$176,393		$174,939		$173,674		$173,352		$171,214		$1,454			1	%		$5,179			3	%

¹ Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others. We now service a portion of this portfolio internally.

² During first quarter 2017, student loans were renamed to “education” loans.

³ 2017 balances reflect changes in the treatment of variation margin on certain centrally cleared derivatives.

17

CREDIT-RELATED INFORMATION, CONTINUED

(in millions, except ratio data)

	AS OF															DEC 31, 2017 CHANGE
	Dec 31, 2017			Sept 30, 2017			June 30, 2017			Mar 31, 2017			Dec 31, 2016			Sept 30, 2017						Dec 31, 2016
																$/bps			%			$/bps			%
NONPERFORMING ASSETS:
Commercial		$238			$297			$376			$367			$322			($59	)		(20	%)		($84	)		(26	%)
Commercial real estate		27			28			38			46			50			(1	)		(4	)		(23	)		(46	)
Leases		–			–			–			–			15			–			–			(15	)		(100	)
Total commercial loans and leases		265			325			414			413			387			(60	)		(18	)		(122	)		(32	)
Residential mortgages		128			124			135			142			144			4			3			(16	)		(11	)
Home equity loans		72			76			81			89			98			(4	)		(5	)		(26	)		(27	)
Home equity lines of credit		233			236			235			238			243			(3	)		(1	)		(10	)		(4	)
Home equity loans serviced by others1		25			26			27			29			32			(1	)		(4	)		(7	)		(22	)
Home equity lines of credit serviced by others1		18			21			25			30			33			(3	)		(14	)		(15	)		(45	)
Automobile		70			66			55			52			50			4			6			20			40
Education2		38			38			35			38			38			–			–			–			–
Credit card		17			15			15			16			16			2			13			1			6
Other retail		5			5			3			3			4			–			–			1			25
Total retail loans		606			607			611			637			658			(1	)		–			(52	)		(8	)
Nonperforming loans and leases		871			932			1,025			1,050			1,045			(61	)		(7	)		(174	)		(17	)
Commercial		$–			$–			$–			$–			$–			$–			–	%		$–			–	%
Retail		36			37			37			45			49			(1	)		(3	)		(13	)		(27	)
Other nonperforming assets		36			37			37			45			49			(1	)		(3	)		(13	)		(27	)
Nonperforming assets		$907			$969			$1,062			$1,095			$1,094			($62	)		(6	%)		($187	)		(17	%)
NONPERFORMING ASSETS BY PRODUCT:
Commercial		$265			$325			$414			$413			$387			($60	)		(18	%)		($122	)		(32	%)
Retail		642			644			648			682			707			(2	)		–			(65	)		(9	)
Total nonperforming assets		$907			$969			$1,062			$1,095			$1,094			($62	)		(6	%)		($187	)		(17	%)
ASSET QUALITY RATIOS:
Allowance for loan and lease losses to loans and leases		1.12	%		1.11	%		1.12	%		1.13	%		1.15	%		1	bps					(3	) bps
Allowance for loan and lease losses to nonperforming loans and leases		141.96			131.35			118.98			116.60			118.32			NM						NM
Nonperforming loans and leases to loans and leases		0.79			0.85			0.94			0.97			0.97			(6	) bps					(18	) bps
Nonperforming assets to total assets		0.60			0.64			0.70			0.73			0.73			(4	) bps					(13	) bps

¹ Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others. We now service a portion of this portfolio internally.

² During first quarter 2017, student loans were renamed “education” loans.

18

CREDIT-RELATED INFORMATION, CONTINUED

(in millions)

	QUARTERLY TRENDS																											FULL YEAR
																4Q17 Change																		2017 Change
	4Q17			3Q17			2Q17			1Q17			4Q16			3Q17						4Q16						2017			2016			2016
																$			%			$			%									$			%
CHARGE-OFFS, RECOVERIES AND RELATED RATIOS
GROSS CHARGE-OFFS:
Commercial		$15			$3			$24			$20			$19			$12			NM			($4	)		(21	%)		$62			$56			$6			11	%
Commercial real estate		–			9			–			4			1			(9	)		(100	)		(1	)		(100	)		13			14			(1	)		(7	)
Leases		–			–			–			–			6			–			–			(6	)		(100	)		–			9			(9	)		(100	)
Total commercial loans and leases		15			12			24			24			26			3			25			(11	)		(42	)		75			79			(4	)		(5	)
Residential mortgages		2			3			3			3			6			(1	)		(33	)		(4	)		(67	)		11			21			(10	)		(48	)
Home equity loans		2			4			3			2			3			(2	)		(50	)		(1	)		(33	)		11			16			(5	)		(31	)
Home equity lines of credit		7			8			9			10			10			(1	)		(13	)		(3	)		(30	)		34			43			(9	)		(21	)
Home equity loans serviced by others1		3			3			4			5			9			–			–			(6	)		(67	)		15			38			(23	)		(61	)
Home equity lines of credit serviced by others1		–			1			1			3			2			(1	)		(100	)		(2	)		(100	)		5			12			(7	)		(58	)
Automobile		50			46			41			44			50			4			9			–			–			181			160			21			13
Education2		19			13			14			13			16			6			46			3			19			59			52			7			13
Credit card		15			15			15			16			15			–			–			–			–			61			58			3			5
Other retail		18			15			14			13			15			3			20			3			20			60			57			3			5
Total retail loans		116			108			104			109			126			8			7			(10	)		(8	)		437			457			(20	)		(4	)
Total gross charge-offs		$131			$120			$128			$133			$152			$11			9	%		($21	)		(14	%)		$512			$536			($24	)		(4	%)
GROSS RECOVERIES:
Commercial		$13			$12			$7			$5			$8			$1			8	%		$5			63	%		$37			$21			$16			76	%
Commercial real estate		–			–			3			–			2			–			–			(2	)		(100	)		3			12			(9	)		(75	)
Leases		–			–			–			–			–			–			–			–			–			–			–			–			–
Total commercial loans and leases		13			12			10			5			10			1			8			3			30			40			33			7			21
Residential mortgages		1			2			2			1			2			(1	)		(50	)		(1	)		(50	)		6			9			(3	)		(33	)
Home equity loans		3			4			3			3			3			(1	)		(25	)		–			–			13			18			(5	)		(28	)
Home equity lines of credit		4			4			4			4			4			–			–			–			–			16			18			(2	)		(11	)
Home equity loans serviced by others1		4			5			5			4			4			(1	)		(20	)		–			–			18			19			(1	)		(5	)
Home equity lines of credit serviced by others1		1			2			2			2			1			(1	)		(50	)		–			–			7			6			1			17
Automobile		18			18			19			18			16			–			–			2			13			73			65			8			12
Education2		5			3			3			4			2			2			67			3			150			15			11			4			36
Credit card		1			2			2			2			2			(1	)		(50	)		(1	)		(50	)		7			8			(1	)		(13	)
Other retail		3			3			3			3			4			–			–			(1	)		(25	)		12			14			(2	)		(14	)
Total retail loans		40			43			43			41			38			(3	)		(7	)		2			5			167			168			(1	)		(1	)
Total gross recoveries		$53			$55			$53			$46			$48			($2	)		(4	%)		$5			10	%		$207			$201			$6			3	%
NET CHARGE-OFFS (RECOVERIES):
Commercial		$2			($9	)		$17			$15			$11			$11			122	%		($9	)		(82	%)		$25			$35			($10	)		(29	%)
Commercial real estate		–			9			(3	)		4			(1	)		(9	)		(100	)		1			100			10			2			8			NM
Leases		–			–			–			–			6			–			–			(6	)		(100	)		–			9			(9	)		(100	)
Total commercial loans and leases		2			–			14			19			16			2			100			(14	)		(88	)		35			46			(11	)		(24	)
Residential mortgages		1			1			1			2			4			–			–			(3	)		(75	)		5			12			(7	)		(58	)
Home equity loans		(1	)		–			–			(1	)		–			(1	)		100			(1	)		100			(2	)		(2	)		–			–
Home equity lines of credit		3			4			5			6			6			(1	)		(25	)		(3	)		(50	)		18			25			(7	)		(28	)
Home equity loans serviced by others1		(1	)		(2	)		(1	)		1			5			1			50			(6	)		(120	)		(3	)		19			(22	)		(116	)
Home equity lines of credit serviced by others1		(1	)		(1	)		(1	)		1			1			–			–			(2	)		(200	)		(2	)		6			(8	)		(133	)
Automobile		32			28			22			26			34			4			14			(2	)		(6	)		108			95			13			14
Education2		14			10			11			9			14			4			40			–			–			44			41			3			7
Credit card		14			13			13			14			13			1			8			1			8			54			50			4			8
Other retail		15			12			11			10			11			3			25			4			36			48			43			5			12
Total retail loans		76			65			61			68			88			11			17			(12	)		(14	)		270			289			(19	)		(7	)
Total net charge-offs (recoveries)		$78			$65			$75			$87			$104			$13			20	%		($26	)		(25	%)		$305			$335			($30	)		(9	%)

¹ Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others. We now service a portion of this portfolio internally.

² During first quarter 2017, student loans were renamed “education” loans.

19

CREDIT-RELATED INFORMATION, CONTINUED

(in millions, except rates)

	QUARTERLY TRENDS																											FULL YEAR
																4Q17 Change																		2017 Change
	4Q17			3Q17			2Q17			1Q17			4Q16			3Q17						4Q16						2017			2016			2016
																$/bps			%			$/bps			%									$/bps			%
ANNUALIZED NET CHARGE-OFF (RECOVERY) RATES
Commercial		0.02	%		(0.09	%)		0.17	%		0.17	%		0.13	%		11	bps					(11	) bps					0.07	%		0.10	%		(3	) bps
Commercial real estate		(0.01	)		0.33			(0.10	)		0.14			(0.08	)		(34	) bps					7	bps					0.09			0.02			7	bps
Leases		–			–			–			–			0.65			–	bps					(65	) bps					–			0.23			(23	) bps
Total commercial loans and leases		0.01			0.01			0.10			0.15			0.13			–	bps					(12	) bps					0.07			0.09			(2	) bps
Residential mortgages		0.01			0.03			0.02			0.06			0.10			(2	) bps					(9	) bps					0.03			0.08			(5	) bps
Home equity loans		(0.40	)		(0.05	)		0.07			(0.21	)		(0.02	)		(35	) bps					(38	) bps					(0.14	)		(0.07	)		(7	) bps
Home equity lines of credit		0.07			0.12			0.16			0.17			0.19			(5	) bps					(12	) bps					0.13			0.18			(5	) bps
Home equity loans serviced by others1		0.92			(0.99	)		(0.58	)		0.37			2.36			191	bps					(144	) bps					(0.49	)		2.18			(267	) bps
Home equity lines of credit serviced by others1		1.01			(2.51	)		(0.02	)		2.25			2.34			352	bps					(133	) bps					(0.68	)		2.15			(283	) bps
Automobile		0.95			0.83			0.65			0.77			0.96			12	bps					(1	) bps					0.80			0.68			12	bps
Education2		0.75			0.48			0.56			0.55			0.86			27	bps					(11	) bps					0.59			0.73			(14	) bps
Credit card		2.95			2.93			3.20			3.36			3.15			2	bps					(20	) bps					3.10			3.06			4	bps
Other retail		2.50			2.13			2.29			2.30			2.61			37	bps					(11	) bps					2.31			3.31			(100	) bps
Total retail loans		0.52			0.44			0.44			0.49			0.63			8	bps					(11	) bps					0.47			0.53			(6	) bps
Total loans and leases		0.28	%		0.24	%		0.28	%		0.33	%		0.39	%		4	bps					(11	) bps					0.28	%		0.32	%		(4	) bps
Memo: Average loans:
Commercial		$37,713			$37,448			$37,846			$37,517			$36,965			$265			1	%		$748			2	%		37,631			$35,652			$1,979			6	%
Commercial real estate		11,396			11,401			11,086			10,821			10,294			(5	)		–			1,102			11			11,178			9,741			1,437			15
Leases		3,201			3,302			3,557			3,696			3,773			(101	)		(3	)		(572	)		(15	)		3,437			3,841			(404	)		(11	)
Total commercial loans and leases		52,310			52,151			52,489			52,034			51,032			159			–			1,278			3			52,246			49,234			3,012			6
Residential mortgages		16,794			16,323			15,646			15,285			14,896			471			3			1,898			13			16,017			14,005			2,012			14
Home equity loans		1,437			1,547			1,668			1,793			1,934			(110	)		(7	)		(497	)		(26	)		1,610			2,180			(570	)		(26	)
Home equity lines of credit		13,501			13,608			13,765			13,955			14,188			(107	)		(1	)		(687	)		(5	)		13,706			14,402			(696	)		(5	)
Home equity loans serviced by others1		564			618			668			719			774			(54	)		(9	)		(210	)		(27	)		642			867			(225	)		(26	)
Home equity lines of credit serviced by others1		156			173			188			207			228			(17	)		(10	)		(72	)		(32	)		181			281			(100	)		(36	)
Automobile		13,277			13,349			13,574			13,772			13,994			(72	)		(1	)		(717	)		(5	)		13,491			13,953			(462	)		(3	)
Education2		8,071			7,814			7,490			6,837			6,215			257			3			1,856			30			7,557			5,558			1,999			36
Credit card		1,803			1,738			1,693			1,665			1,654			65			4			149			9			1,725			1,620			105			6
Other retail		2,537			2,163			1,959			1,798			1,619			374			17			918			57			2,117			1,288			829			64
Total retail loans		58,140			57,333			56,651			56,031			55,502			807			1			2,638			5			57,046			54,154			2,892			5
Total loans and leases		$110,450			$109,484			$109,140			$108,065			$106,534			$966			1	%		$3,916			4	%		$109,292			$103,388			$5,904			6	%

¹ Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others. We now service a portion of this portfolio internally.

² During first quarter 2017, student loans were renamed “education” loans.

20

CREDIT-RELATED INFORMATION, CONTINUED

(in millions)

	QUARTERLY TRENDS																								FULL YEAR
													4Q17 Change																2017 Change
	4Q17			3Q17		2Q17			1Q17		4Q16		3Q17						4Q16						2017		2016		2016
													$			%			$			%							$			%
SUMMARY OF CHANGES IN THE COMPONENTS OF THE ALLOWANCE FOR CREDIT LOSSES
Allowance for loan and lease losses - beginning		$1,224			$1,219		$1,224			$1,236		$1,240		$5			–	%		($16	)		(1	%)		$1,236		$1,216		$20			2	%
Charge-offs:
Commercial		15			12		24			24		26		3			25			(11	)		(42	)		75		79		(4	)		(5	)
Retail		116			108		104			109		126		8			7			(10	)		(8	)		437		457		(20	)		(4	)
Total charge-offs		131			120		128			133		152		11			9			(21	)		(14	)		512		536		(24	)		(4	)
Recoveries:
Commercial		13			12		10			5		10		1			8			3			30			40		33		7			21
Retail		40			43		43			41		38		(3	)		(7	)		2			5			167		168		(1	)		(1	)
Total recoveries		53			55		53			46		48		(2	)		(4	)		5			10			207		201		6			3
Net charge-offs		78			65		75			87		104		13			20			(26	)		(25	)		305		335		(30	)		(9	)
Provision for loan and lease losses:
Commercial1		49			24		(25	)		9		24		25			104			25			104			57		113		(56	)		(50	)
Retail1		41			46		95			66		76		(5	)		(11	)		(35	)		(46	)		248		242		6			2
Total provision for loan and lease losses		90			70		70			75		100		20			29			(10	)		(10	)		305		355		(50	)		(14	)
Allowance for loan and lease losses - ending		$1,236			$1,224		$1,219			$1,224		$1,236		$12			1	%		$–			–	%		$1,236		$1,236		$–			–	%
Reserve for unfunded lending commitments - beginning		$95			$93		$93			$72		$70		$2			2	%		$25			36	%		$72		$58		$14			24	%
Provision for unfunded lending commitments		(7	)		2		–			21		2		(9	)		NM			(9	)		NM			16		14		2			14
Reserve for unfunded lending commitments - ending		$88			$95		$93			$93		$72		($7	)		(7	%)		$16			22	%		$88		$72		$16			22	%
Total allowance for credit losses - ending		$1,324			$1,319		$1,312			$1,317		$1,308		$5			–	%		$16			1	%		$1,324		$1,308		$16			1	%
Memo: Total allowance for credit losses by product:
Commercial		$773			$733		$707			$746		$735		$40			5	%		$38			5	%		$773		$735		$38			5	%
Retail		551			586		605			571		573		(35	)		(6	)		(22	)		(4	)		551		573		(22	)		(4	)
Total allowance for credit losses		$1,324			$1,319		$1,312			$1,317		$1,308		$5			–	%		$16			1	%		$1,324		$1,308		$16			1	%

¹ 4Q17 QTD and 2017 YTD provision for loan and lease losses included an increase of approximately $50 million to commercial and corresponding decrease to retail for the impact of the enhancement to the assessment of qualitative risks, factors and events that may not be measured in the modeled results.

21

CAPITAL AND RATIOS

(in millions, except ratio data)

	AS OF																											FULL YEAR
																DEC 31, 2017 CHANGE																2017 Change
	Dec 31, 2017			Sept 30, 2017			June 30, 2017			Mar 31, 2017			Dec 31, 2016			Sept 30, 2017						Dec 31, 2016						2017		2016		2016
																$			%			$			%							$		%
CAPITAL RATIOS AND COMPONENTS (PRELIMINARY)1:
CET1 capital		$14,164			$14,093			$14,057			$13,941			$13,822			$71			1	%		$342			2	%
Tier 1 capital		14,411			14,340			14,304			14,188			14,069			71			–			342			2
Total capital		17,636			17,560			17,586			17,475			17,347			76			–			289			2
Risk-weighted assets		127,614			127,203			125,774			124,881			123,857			411			–			3,757			3
Adjusted average assets2		145,523			144,500			144,404			143,430			141,677			1,023			1			3,846			3
CET1 capital ratio		11.1	%		11.1	%		11.2	%		11.2	%		11.2	%
Tier 1 capital ratio		11.3			11.3			11.4			11.4			11.4
Total capital ratio		13.8			13.8			14.0			14.0			14.0
Tier 1 leverage ratio		9.9			9.9			9.9			9.9			9.9
Pro forma Basel III fully phased-in common equity tier 1 capital ratio		11.1			11.1			11.2			11.1			11.1
TANGIBLE COMMON EQUITY (PERIOD-END):
Common stockholders’ equity		$20,023			$19,862			$19,817			$19,600			$19,499			$161			1	%		$524			3	%		$20,023		$19,499		$524	3%
Less: Goodwill		6,887			6,887			6,887			6,876			6,876			–			–			11			–			6,887		6,876		11	–
Less: Other intangible assets		2			2			2			–			1			–			–			1			100			2		1		1	100
Add: Deferred tax liabilities3		355			539			535			534			532			(184	)		(34	)		(177	)		(33	)		355		532		(177)	(33)
Total tangible common equity		$13,489			$13,512			$13,463			$13,258			$13,154			($23	)		–	%		$335			3	%		$13,489		$13,154		$335	3%
TANGIBLE COMMON EQUITY (AVERAGE):
Common stockholders’ equity		$19,624			$19,728			$19,659			$19,460			$19,645			($104	)		(1	%)		($21	)		–	%		$19,618		$19,698		($80)	–%
Less: Goodwill		6,887			6,887			6,882			6,876			6,876			–			–			11			–			6,883		6,876		7	–
Less: Other intangible assets		2			2			2			–			1			–			–			1			100			2		2		–	–
Add: Deferred tax liabilities3		531			537			534			531			523			(6	)		(1	)		8			2			534		502		32	6
Total tangible common equity		$13,266			$13,376			$13,309			$13,115			$13,291			($110	)		(1	%)		($25	)		–	%		$13,267		$13,322		($55)	–%
INTANGIBLE ASSETS (PERIOD-END):
Goodwill		$6,887			$6,887			$6,887			$6,876			$6,876			$–			–	%		$11			–	%		$6,887		$6,876		$11	–%
Other intangible assets		2			2			2			–			1			–			–			1			100			2		1		1	100
Total intangible assets		$6,889			$6,889			$6,889			$6,876			$6,877			$–			–	%		$12			–	%		$6,889		$6,877		$12	–%

¹ U.S. Basel III transitional rules for institutions applying the standardized approach to calculating risk-weighted assets became effective January 1, 2015. The capital ratios and associated components are prepared using the U.S. Basel III standardized transitional approach. Per the final transition provision rule issued by banking regulators on November 21, 2017, U.S. Basel III ratio definitions impacting risk weighted assets and qualifying U.S. Basel III capital will be fully phased-in as of January 1, 2018.

² Adjusted average assets include quarterly average assets, less deductions for disallowed goodwill and other intangibles assets, net of deferred tax liabilities related to tax deductible goodwill, and the accumulated other comprehensive income impact related to the adoption of post-retirement benefit plan guidance under GAAP.

³ Deferred tax liabilities relate to tax-deductible goodwill, which is netted against goodwill when calculating tangible common equity.

22

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS

(in millions, except share, per-share and ratio data)

Key Performance Metrics:

Our management team uses key performance metrics (KPMs) to gauge our performance and progress over time in achieving our strategic and operational goals and also in comparing our performance against our peers. We have established the following financial targets, in addition to others, as KPMs, which are utilized by our management in measuring our progress against financial goals and as a tool in helping assess performance for compensation purposes. These KPMs can largely be found in our periodic reports which are filed with the Securities and Exchange Commission, and are supplemented from time to time with additional information in connection with our quarterly earnings releases.

Our key performance metrics include:

Return on average tangible common equity (ROTCE);

Return on average total tangible assets (ROTA);

Efficiency ratio;

Operating leverage; and

Common equity tier 1 capital ratio (U.S. Basel III Standardized fully phased-in basis).

In establishing goals for these KPMs, we determined that they would be measured on a management-reporting basis, or an operating basis, which we refer to externally as “Adjusted” or “Underlying” results. We believe that these “Adjusted” or “Underlying” results provide the best representation of our financial progress toward these goals as they exclude items that our management does not consider indicative of our on-going financial performance. KPMs that contain “Adjusted” or “Underlying” results are considered non-GAAP financial measures.

Non-GAAP Financial Measures:

This document contains non-GAAP financial measures. The following tables present reconciliations of our non-GAAP measures. These reconciliations exclude “Adjusted” or “Underlying” items, which are included, where applicable, in the financial results presented in accordance with GAAP. “Adjusted” or “Underlying” results, which are non-GAAP measures, exclude certain items, as applicable, that may occur in a reporting period which management does not consider indicative of on-going financial performance.

The non-GAAP measures presented in the following tables include reconciliations to the most directly comparable GAAP measures and are: “noninterest income”, “total revenue”, “noninterest expense”, “pre-provision profit”, “total credit-related costs”, “income before income tax expense”, “income tax expense”, “effective income tax rate”, “net income”, “net income available to common stockholders”, “other income”, “salaries and employee benefits”, “outside services”, “amortization of software expense”, “other operating expense”, “net income per average common share”, “return on average common equity” and “return on average total assets”.

We believe these non-GAAP measures provide useful information to investors because these are among the measures used by our management team to evaluate our operating performance and make day-to-day operating decisions. In addition, we believe our “Adjusted” or “Underlying” results in any period do not reflect our operational performance in that period and, accordingly, it is useful to consider our GAAP results and our “Adjusted” or “Underlying” results together. We believe this presentation also increases comparability of period-to-period results.

Other companies may use similarly titled non-GAAP financial measures that are calculated differently from the way we calculate such measures. Accordingly, our non-GAAP financial measures may not be comparable to similar measures used by other companies. We caution investors not to place undue reliance on such non-GAAP measures, but instead to consider them with the most directly comparable GAAP measure. Non-GAAP financial measures have limitations as analytical tools, and should not be considered in isolation, or as a substitute for our results as reported under GAAP.

23

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS (CONTINUED)

(in millions, except share, per-share and ratio data)

		QUARTERLY TRENDS																									FULL YEAR
															4Q17 Change																		2017 Change
		4Q17			3Q17		2Q17			1Q17			4Q16		3Q17						4Q16						2017			2016			2016
															$			%			$			%									$			%
Noninterest income, Adjusted/Underlying:
Noninterest income (GAAP)			$404			$381		$370			$379			$377		$23			6	%		$27			7	%		$1,534			$1,497			$37			2	%
Less: Notable items			17			–		(11	)		–			–		17			100			17			100			6			67			(61	)		(91	)
Noninterest income, Adjusted/Underlying (non-GAAP)			$387			$381		$381			$379			$377		$6			2	%		$10			3	%		$1,528			$1,430			$98			7	%
Total revenue, Adjusted/Underlying:
Total revenue (GAAP)	A		$1,484			$1,443		$1,396			$1,384			$1,363		$41			3	%		$121			9	%		$5,707			$5,255			$452			9	%
Less: Notable items			17			–		(11	)		–			–		17			100			17			100			6			67			(61	)		(91	)
Total revenue, Adjusted/Underlying (non-GAAP)	B		$1,467			$1,443		$1,407			$1,384			$1,363		$24			2	%		$104			8	%		$5,701			$5,188			$513			10	%
Noninterest expense, Adjusted/Underlying:
Noninterest expense (GAAP)	C		$898			$858		$864			$854			$847		$40			5	%		$51			6	%		$3,474			$3,352			$122			4	%
Less: Notable items			40			–		15			–			–		40			100			40			100			55			36			19			53
Noninterest expense, Adjusted/Underlying (non-GAAP)	D		$858			$858		$849			$854			$847		$–			—	%		$11			1	%		$3,419			$3,316			$103			3	%
Pre-provision profit:
Total revenue (GAAP)	A		$1,484			$1,443		$1,396			$1,384			$1,363		$41			3	%		$121			9	%		$5,707			$5,255			$452			9	%
Less: Noninterest expense (GAAP)	C		898			858		864			854			847		40			5			51			6			3,474			3,352			122			4
Pre-provision profit (GAAP)			$586			$585		$532			$530			$516		$1			—	%		$70			14	%		$2,233			$1,903			$330			17	%
Pre-provision profit, Adjusted/Underlying:
Total revenue, Adjusted/Underlying (non-GAAP)	B		$1,467			$1,443		$1,407			$1,384			$1,363		$24			2	%		$104			8	%		$5,701			$5,188			$513			10	%
Less: Noninterest expense, Adjusted/Underlying (non-GAAP)	D		858			858		849			854			847		–			–			11			1			3,419			3,316			103			3
Pre-provision profit, Adjusted/Underlying (non-GAAP)			$609			$585		$558			$530			$516		$24			4	%		$93			18	%		$2,282			$1,872			$410			22	%
Total credit-related costs, Adjusted/Underlying:
Provision for credit losses (GAAP)			$83			$72		$70			$96			$102		$11			15	%		($19	)		(19	%)		$321			$369			($48	)		(13	%)
Add: Lease impairment credit-related costs			–			–		26			–			–		–			–			–			–			26			–			26			100
Total credit-related costs, Adjusted/Underlying (non-GAAP)			$83			$72		$96			$96			$102		$11			15	%		($19	)		(19	%)		$347			$369			($22	)		(6	%)
Income before income tax expense, Adjusted/Underlying:
Income before income tax expense (GAAP)	E		$503			$513		$462			$434			$414		($10	)		(2	%)		$89			21	%		$1,912			$1,534			$378			25	%
Less: Income before income tax expense (benefit) related to notable items			(23	)		–		–			–			–		(23	)		(100	)		(23	)		(100	)		(23	)		31			(54	)		(174	)
Income before income tax expense, Adjusted/Underlying (non-GAAP)	F		$526			$513		$462			$434			$414		$13			3	%		$112			27	%		$1,935			$1,503			$432			29	%
Income tax expense, Adjusted/Underlying:
Income tax expense (GAAP)	G		($163	)		$165		$144			$114			$132		($328	)		(199	%)		($295	)		(223	%)		$260			$489			($229	)		(47	%)
Less: Income tax expense (benefit) related to notable/Underlying items			(340	)		–		–			(23	)		–		(340	)		(100	)		(340	)		(100	)		(363	)		12			(375	)		NM
Income tax expense, Adjusted/Underlying (non-GAAP)	H		$177			$165		$144			$137			$132		$12			7	%		$45			34	%		$623			$477			$146			31	%
Net income, Adjusted/Underlying:
Net income (GAAP)	I		$666			$348		$318			$320			$282		$318			91	%		$384			136	%		$1,652			$1,045			$607			58	%
Add: Notable items, net of income tax expense (benefit)			(317	)		–		–			(23	)		–		(317	)		(100	)		(317	)		(100	)		(340	)		(19	)		(321	)		NM
Net income, Adjusted/Underlying (non-GAAP)	J		$349			$348		$318			$297			$282		$1			–	%		$67			24	%		$1,312			$1,026			$286			28	%
Net income available to common stockholders, Adjusted/Underlying:
Net income available to common stockholders (GAAP)	K		$666			$341		$318			$313			$282		$325			95	%		$384			136	%		$1,638			$1,031			$607			59	%
Add: Notable items, net of income tax expense (benefit)			(317	)		–		–			(23	)		–		(317	)		(100	)		(317	)		(100	)		(340	)		(19	)		(321	)		NM
Net income available to common stockholders, Adjusted/Underlying (non-GAAP)	L		$349			$341		$318			$290			$282		$8			2	%		$67			24	%		$1,298			$1,012			$286			28	%

24

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS (CONTINUED)

(in millions, except share, per-share and ratio data)

		QUARTERLY TRENDS																											FULL YEAR
																	4Q17 Change																		2017 Change
		4Q17			3Q17			2Q17			1Q17			4Q16			3Q17						4Q16						2017			2016			2016
																	$/bps			%			$/bps			%									$/bps			%
Operating leverage:
Total revenue (GAAP)	A		$1,484			$1,443			$1,396			$1,384			$1,363			$41			2.86	%		$121			8.93	%		$5,707			$5,255			$452			8.61	%
Less: Noninterest expense (GAAP)	C		898			858			864			854			847			40			4.79			51			6.03			3,474			3,352			122			3.63
Operating leverage																					(1.93	%)					2.90	%											4.98	%
Operating leverage, Adjusted/Underlying:
Total revenue, Adjusted/Underlying (non-GAAP)	B		$1,467			$1,443			$1,407			$1,384			$1,363			$24			1.68	%		$104			7.67	%		$5,701			$5,188			$513			9.90	%
Less: Noninterest expense, Adjusted/Underlying (non-GAAP)	D		858			858			849			854			847			–			0.12			11			1.31			3,419			3,316			103			3.10
Operating leverage, Adjusted/Underlying (non-GAAP)																					1.56	%					6.36	%											6.80	%
Efficiency ratio and efficiency ratio, Adjusted/Underlying:
Efficiency ratio	C/A		60.52	%		59.41	%		61.94	%		61.68	%		62.18	%		111	bps					(166	) bps					60.87	%		63.80	%		(293	) bps
Efficiency ratio, Adjusted/Underlying (non-GAAP)	D/B		58.50			59.41			60.36			61.68			62.18			(91	) bps					(368	) bps					59.96			63.92			(396	) bps
Effective income tax rate and effective income tax rate, Adjusted/Underlying:
Effective income tax rate	G/E		(32.40	)%		32.18	%		31.13	%		26.36	%		31.90	%		NM						NM						13.62	%		31.88	%		NM
Effective income tax rate, Adjusted/Underlying	H/F		33.68			32.18			31.13			31.56			31.90			150	bps					178	bps					32.20			31.74			46	bps
Return on average common equity and return on average common equity, Adjusted/Underlying:
Average common equity (GAAP)	M		$19,624			$19,728			$19,659			$19,460			$19,645			($104	)		(1	%)		($21	)		–	%		$19,618			$19,698			($80	)		–	%
Return on average common equity	K/M		13.46	%		6.87	%		6.48	%		6.52	%		5.70	%		659	bps					776	bps					8.35	%		5.23	%		312	bps
Return on average common equity, Adjusted/Underlying (non-GAAP)	L/M		7.05			6.87			6.48			6.05			5.70			18	bps					135	bps					6.62			5.14			148	bps
Return on average tangible common equity and return on average tangible common equity, Adjusted/Underlying:
Average common equity (GAAP)	M		$19,624			$19,728			$19,659			$19,460			$19,645			($104	)		(1	%)		($21	)		–	%		$19,618			$19,698			($80	)		–	%
Less: Average goodwill (GAAP)			6,887			6,887			6,882			6,876			6,876			–			–			11			–			6,883			6,876			7			–
Less: Average other intangibles (GAAP)			2			2			2			–			1			–			–			1			100			2			2			–			–
Add: Average deferred tax liabilities related to goodwill (GAAP)			531			537			534			531			523			(6	)		(1	)		8			2			534			502			32			6
Average tangible common equity	N		$13,266			$13,376			$13,309			$13,115			$13,291			($110	)		(1	%)		($25	)		–	%		$13,267			$13,322			($55	)		–	%
Return on average tangible common equity	K/N		19.92	%		10.13	%		9.57	%		9.68	%		8.43	%		979	bps					1,149	bps					12.35	%		7.74	%		461	bps
Return on average tangible common equity, Adjusted/Underlying (non-GAAP)	L/N		10.43			10.13			9.57			8.98			8.43			30	bps					200	bps					9.79			7.60			219	bps
Return on average total assets and return on average total assets, Adjusted/Underlying:
Average total assets (GAAP)	O		$151,111			$150,012			$149,878			$148,786			$147,315			$1,099			1	%		$3,796			3	%		$149,953			$143,183			$6,770			5	%
Return on average total assets	I/O		1.75	%		0.92	%		0.85	%		0.87	%		0.76	%		83	bps					99	bps					1.10	%		0.73	%		37	bps
Return on average total assets, Adjusted/Underlying (non-GAAP)	J/O		0.92			0.92			0.85			0.81			0.76			–	bps					16	bps					0.88			0.72			16	bps
Return on average total tangible assets and return on average total tangible assets, Adjusted/Underlying:
Average total assets (GAAP)	O		$151,111			$150,012			$149,878			$148,786			$147,315			$1,099			1	%		$3,796			3	%		$149,953			$143,183			$6,770			5	%
Less: Average goodwill (GAAP)			6,887			6,887			6,882			6,876			6,876			–			–			11			–			6,883			6,876			7			–
Less: Average other intangibles (GAAP)			2			2			2			–			1			–			–			1			100			2			2			–			–
Add: Average deferred tax liabilities related to goodwill (GAAP)			531			537			534			531			523			(6	)		(1	)		8			2			534			502			32			6
Average tangible assets	P		$144,753			$143,660			$143,528			$142,441			$140,961			$1,093			1	%		$3,792			3	%		$143,602			$136,807			$6,795			5	%
Return on average total tangible assets	I/P		1.83	%		0.96	%		0.89	%		0.91	%		0.79	%		87	bps					104	bps					1.15	%		0.76	%		39	bps
Return on average total tangible assets, Adjusted/Underlying (non-GAAP)	J/P		0.96			0.96			0.89			0.85			0.79			–	bps					17	bps					0.91			0.75			16	bps

25

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS (CONTINUED)

(in millions, except share, per-share and ratio data)

		QUARTERLY TRENDS																											FULL YEAR
																	4Q17 Change																		2017 Change
		4Q17			3Q17			2Q17			1Q17			4Q16			3Q17						4Q16						2017			2016			2016
																	$/bps			%			$/bps			%									$/bps			%
Tangible book value per common share:
Common shares - at end of period (GAAP)	Q		490,812,912			499,505,285			505,880,851			509,515,646			511,954,871			(8,692,373	)		(2	%)		(21,141,959	)		(4	%)		490,812,912			511,954,871			(21,141,959	)		(4	%)
Common stockholders’ equity (GAAP)		$	20,023		$	19,862		$	19,817		$	19,600		$	19,499		$	161			1		$	524			3		$	20,023		$	19,499		$	524			3
Less: Goodwill (GAAP)			6,887			6,887			6,887			6,876			6,876			–			–			11			–			6,887			6,876			11			–
Less: Other intangible assets (GAAP)			2			2			2			–			1			–			–			1			100			2			1			1			100
Add: Deferred tax liabilities related to goodwill (GAAP)			355			539			535			534			532			(184	)		(34	)		(177	)		(33	)		355			532			(177	)		(33	)
Tangible common equity	R	$	13,489		$	13,512		$	13,463		$	13,258		$	13,154		($	23	)		–	%	$	335			3	%	$	13,489		$	13,154		$	335			3	%
Tangible book value per common share	R/Q	$	27.48		$	27.05		$	26.61		$	26.02		$	25.69		$	0.43			2	%	$	1.79			7	%	$	27.48		$	25.69		$	1.79			7	%
Net income per average common share - basic and diluted, Adjusted/Underlying:
Average common shares outstanding - basic (GAAP)	S		492,149,763			500,861,076			506,371,846			509,451,450			512,015,920			(8,711,313	)		(2	%)		(19,866,157	)		(4	%)		502,157,440			522,093,545			(19,936,105	)		(4	%)
Average common shares outstanding - diluted (GAAP)	T		493,788,007			502,157,384			507,414,122			511,348,200			513,897,085			(8,369,377	)		(2	)		(20,109,078	)		(4	)		503,685,091			523,930,718			(20,245,627	)		(4	)
Net income available to common stockholders (GAAP)	K	$	666		$	341		$	318		$	313		$	282		$	325			95		$	384			136		$	1,638		$	1,031		$	607			59
Net income per average common share - basic (GAAP)	K/S		1.35			0.68			0.63			0.61			0.55			0.67			99			0.80			145			3.26			1.97			1.29			65
Net income per average common share - diluted (GAAP)	K/T		1.35			0.68			0.63			0.61			0.55			0.67			99			0.80			145			3.25			1.97			1.28			65
Net income available to common stockholders, Adjusted/Underlying (non-GAAP)	L		349			341			318			290			282			8			2			67			24			1,298			1,012			286			28
Net income per average common share - basic, Adjusted/Underlying (non-GAAP)	L/S		0.71			0.68			0.63			0.57			0.55			0.03			4			0.16			29			2.59			1.94			0.65			34
Net income per average common share - diluted, Adjusted/Underlying (non-GAAP)	L/T		0.71			0.68			0.63			0.57			0.55			0.03			4			0.16			29			2.58			1.93			0.65			34
Dividend payout ratio and divident payout ratio, Adjusted/Underlying
Cash dividends declared and paid per common share	U		0.18			0.18			0.14			0.14			0.12			–			–			0.06			50			0.64			0.46			0.18			39
Dividend payout ratio	U/(K/S)		13	%		26	%		22	%		23	%		22	%		NM						(900	) bps					20	%		23	%		(300	) bps
Dividend payout ratio, Adjusted/Underlying (non-GAAP)	U/(L/S)		25			26			22			25			22			(100	) bps					300	bps					25			24			100	bps

26

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS (CONTINUED)

(in millions, except share, per-share and ratio data)

		QUARTERLY TRENDS																											FULL YEAR
																	4Q17 Change																2017 Change
		4Q17			3Q17			2Q17			1Q17			4Q16			3Q17						4Q16						2017		2016		2016
																	$			%			$			%							$			%
Other income, Adjusted/Underlying
Other income (GAAP)			$40			$18			$2			$24			$25			$22			122	%		$15			60	%		$84		$147		($63	)		(43	%)
Less: Notable items			17			–			(11	)		–			–			17			100			17			100			6		67		(61	)		(91	)
Other income, Adjusted/Underlying (non-GAAP)			$23			$18			$13			$24			$25			$5			28	%		($2	)		(8	%)		$78		$80		($2	)		(3	%)
Salaries and employee benefits, Adjusted/Underlying:
Salaries and employee benefits (GAAP)			$449			$436			$432			$444			$420			$13			3	%		$29			7	%		$1,761		$1,709		$52			3	%
Less: Notable items			17			–			–			–			–			17			100			17			100			17		11		6			55
Salaries and employee benefits, Adjusted/Underlying (non-GAAP)			$432			$436			$432			$444			$420			($4	)		(1	%)		$12			3	%		$1,744		$1,698		$46			3	%
Outside services, Adjusted/Underlying:
Outside services (GAAP)			$118			$99			$96			$91			$98			$19			19	%		$20			20	%		$404		$377		$27			7	%
Less: Notable items			12			–			–			–			–			12			100			12			100			12		8		4			50
Outside services, Adjusted/Underlying (non-GAAP)			$106			$99			$96			$91			$98			$7			7	%		$8			8	%		$392		$369		$23			6	%
Occupancy, Adjusted/Underlying:
Occupancy (GAAP)			$80			$78			$79			$82			$77			$2			3	%		$3			4	%		$319		$307		$12			4	%
Less: Notable items			–			–			–			–			–			–			–			–			–			–		–		–			–
Occupancy, Adjusted/Underlying (non-GAAP)			$80			$78			$79			$82			$77			$2			3	%		$3			4	%		$319		$307		$12			4	%
Equipment expense, Adjusted/Underlying:
Equipment expense (GAAP)			$67			$65			$64			$67			$69			$2			3	%		($2	)		(3	%)		$263		$263		$–			–	%
Less: Notable items			–			–			–			–			–			–			–			–			–			–		–		–			–
Equipment expense, Adjusted/Underlying (non-GAAP)			$67			$65			$64			$67			$69			$2			3	%		($2	)		(3	%)		$263		$263		$–			–	%
Amortization of software, Adjusted/Underlying:
Amortization of software (GAAP)			$46			$45			$45			$44			$44			$1			2	%		$2			5	%		$180		$170		$10			6	%
Less: Notable items			–			–			–			–			–			–			–			–			–			–		3		(3	)		(100	)
Amortization of software, Adjusted/Underlying (non-GAAP)			$46			$45			$45			$44			$44			$1			2	%		$2			5	%		$180		$167		$13			8	%
Other operating expense, Adjusted/Underlying:
Other operating expense (GAAP)			$138			$135			$148			$126			$139			$3			2	%		($1	)		(1	%)		$547		$526		$21			4	%
Less: Notable items			11			–			15			–			–			11			100			11			100			26		14		12			86
Other operating expense, Adjusted/Underlying (non-GAAP)			$127			$135			$133			$126			$139			($8	)		(6	%)		($12	)		(9	%)		$521		$512		$9			2	%
Pro forma U.S. Basel III fully phased-in common equity tier 1 capital ratio1:
Common equity tier 1 capital (regulatory)			$14,164			$14,093			$14,057			$13,941			$13,822
Less: Change in DTA and other threshold deductions (GAAP)			–			–			–			–			–
Pro forma Basel III fully phased-in common equity tier 1 capital	V		$14,164			$14,093			$14,057			$13,941			$13,822
Risk-weighted assets (regulatory general risk weight approach)			$127,614			$127,203			$125,774			$124,881			$123,857
Add: Net change in credit and other risk-weighted assets (regulatory)			297			251			249			247			244
Pro forma Basel III standardized approach risk-weighted assets	W		$127,911			$127,454			$126,023			$125,128			$124,101
Pro forma Basel III fully phased-in common equity tier 1 capital ratio1	V/W		11.1	%		11.1	%		11.2	%		11.1	%		11.1	%

¹  Per the final transition provision rule issued by banking regulators on November 21, 2017, U.S. Basel III ratio definitions impacting risk weighted assets and qualifying U.S. Basel III capital will be fully phased-in as of January 1, 2018.

27

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS - SEGMENTS

(in millions, except ratio data)

		FOURTH QUARTER 2017											THIRD QUARTER 2017
		Consumer Banking			Commercial Banking			Other		Consolidated			Consumer Banking			Commercial Banking			Other		Consolidated
Net income available to common stockholders:
Net income (GAAP)	A		$117			$206			$343		$666			$122			$201			$25		$348
Less: Preferred stock dividends			–			–			–		–			–			–			7		7
Net income available to common stockholders	B		$117			$206			$343		$666			$122			$201			$18		$341
Return on average tangible common equity:
Average common equity (GAAP)			$5,606			$5,756			$8,262		$19,624			$5,565			$5,685			$8,478		$19,728
Less: Average goodwill (GAAP)			–			–			6,887		6,887			–			–			6,887		6,887
Average other intangibles (GAAP)			–			–			2		2			–			–			2		2
Add: Average deferred tax liabilities related to goodwill (GAAP)			–			–			531		531			–			–			537		537
Average tangible common equity	C		$5,606			$5,756			$1,904		$13,266			$5,565			$5,685			$2,126		$13,376
Return on average tangible common equity	B/C		8.29	%		14.15	%		NM		19.92	%		8.72	%		14.06	%		NM		10.13	%
Return on average total tangible assets:
Average total assets (GAAP)			$60,911			$50,169			$40,031		$151,111			$60,012			$49,833			$40,167		$150,012
Less: Average goodwill (GAAP)			–			–			6,887		6,887			–			–			6,887		6,887
Average other intangibles (GAAP)			–			–			2		2			–			–			2		2
Add: Average deferred tax liabilities related to goodwill (GAAP)			–			–			531		531			–			–			537		537
Average tangible assets	D		$60,911			$50,169			$33,673		$144,753			$60,012			$49,833			$33,815		$143,660
Return on average total tangible assets	A/D		0.76	%		1.62	%		NM		1.83	%		0.81	%		1.60	%		NM		0.96	%
Efficiency ratio:
Noninterest expense (GAAP)	E		$654			$195			$49		$898			$648			$195			$15		$858
Net interest income (GAAP)			682			367			31		1,080			674			354			34		1,062
Noninterest income (GAAP)			229			138			37		404			227			136			18		381
Total revenue (GAAP)	F		$911			$505			$68		$1,484			$901			$490			$52		$1,443
Efficiency ratio	E/F		71.90	%		38.84	%		NM		60.52	%		71.88	%		39.39	%		NM		59.41	%

28

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS - SEGMENTS (CONTINUED)

(in millions, except ratio data)

		SECOND QUARTER 2017											FIRST QUARTER 2017
		Consumer Banking			Commercial Banking			Other		Consolidated			Consumer Banking			Commercial Banking			Other		Consolidated
Net income available to common stockholders:
Net income (GAAP)	A		$118			$187			$13		$318			$95			$180			$45		$320
Less: Preferred stock dividends			–			–			–		–			–			–			7		7
Net income available to common stockholders	B		$118			$187			$13		$318			$95			$180			$38		$313
Return on average tangible common equity:
Average common equity (GAAP)			$5,519			$5,617			$8,523		$19,659			$5,460			$5,528			$8,472		$19,460
Less: Average goodwill (GAAP)			–			–			6,882		6,882			–			–			6,876		6,876
Average other intangibles (GAAP)			–			–			2		2			–			–			–		–
Add: Average deferred tax liabilities related to goodwill (GAAP)			–			–			534		534			–			–			531		531
Average tangible common equity	C		$5,519			$5,617			$2,173		$13,309			$5,460			$5,528			$2,127		$13,115
Return on average tangible common equity	B/C		8.57	%		13.37	%		NM		9.57	%		7.06	%		13.18	%		NM		9.68	%
Return on average total tangible assets:
Average total assets (GAAP)			$59,244			$49,731			$40,903		$149,878			$58,660			$49,243			$40,883		$148,786
Less: Average goodwill (GAAP)			–			–			6,882		6,882			–			–			6,876		6,876
Average other intangibles (GAAP)			–			–			2		2			–			–			–		–
Add: Average deferred tax liabilities related to goodwill (GAAP)			–			–			534		534			–			–			531		531
Average tangible assets	D		$59,244			$49,731			$34,553		$143,528			$58,660			$49,243			$34,538		$142,441
Return on average total tangible assets	A/D		0.80	%		1.51	%		NM		0.89	%		0.66	%		1.48	%		NM		0.91	%
Efficiency ratio:
Noninterest expense (GAAP)	E		$644			$192			$28		$864			$647			$190			$17		$854
Net interest income (GAAP)			657			344			25		1,026			638			346			21		1,005
Noninterest income (GAAP)			229			130			11		370			220			134			25		379
Total revenue (GAAP)	F		$886			$474			$36		$1,396			$858			$480			$46		$1,384
Efficiency ratio	E/F		72.64	%		40.48	%		NM		61.94	%		75.41	%		39.80	%		NM		61.68	%

29

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS - SEGMENTS (CONTINUED)

(in millions, except ratio data)

		FOURTH QUARTER 2016
		Consumer       Banking			Commercial      Banking			Other		Consolidated
Net income available to common stockholders:
Net income (GAAP)	A		$92			$172			$18		$282
Less: Preferred stock dividends			–			–			–		–
Net income available to common stockholders	B		$92			$172			$18		$282
Return on average tangible common equity:
Average common equity (GAAP)			$5,275			$5,278			$9,092		$19,645
Less: Average goodwill (GAAP)			–			–			6,876		6,876
Average other intangibles (GAAP)			–			–			1		1
Add: Average deferred tax liabilities related to goodwill (GAAP)			–			–			523		523
Average tangible common equity	C		$5,275			$5,278			$2,738		$13,291
Return on average tangible common equity	B/C		6.97	%		12.94	%		NM		8.43	%
Return on average total tangible assets:
Average total assets (GAAP)			$58,066			$48,024			$41,225		$147,315
Less: Average goodwill (GAAP)			–			–			6,876		6,876
Average other intangibles (GAAP)			–			–			1		1
Add: Average deferred tax liabilities related to goodwill (GAAP)			–			–			523		523
Average tangible assets	D		$58,066			$48,024			$34,871		$140,961
Return on average total tangible assets	A/D		0.63	%		1.42	%		NM		0.79	%
Efficiency ratio:
Noninterest expense (GAAP)	E		$649			$187			$11		$847
Net interest income (GAAP)			639			347			–		986
Noninterest income (GAAP)			227			122			28		377
Total revenue (GAAP)	F		$866			$469			$28		$1,363
Efficiency ratio	E/F		74.90	%		39.83	%		NM		62.18	%

30

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS - SEGMENTS (CONTINUED)

(in millions, except ratio data)

		FULL YEAR
		2017											2016
		Consumer Banking			Commercial Banking			Other		Consolidated			Consumer Banking			Commercial Banking			Other		Consolidated
Net income available to common stockholders:
Net income (GAAP)	A		$452			$774			$426		$1,652			$345			$631			$69		$1,045
Less: Preferred stock dividends			–			–			14		14			–			–			14		14
Net income available to common stockholders	B		$452			$774			$412		$1,638			$345			$631			$55		$1,031
Return on average tangible common equity:
Average common equity (GAAP)			$5,538			$5,647			$8,433		$19,618			$5,166			$5,071			$9,461		$19,698
Less: Average goodwill (GAAP)			–			–			6,883		6,883			–			–			6,876		6,876
Average other intangibles (GAAP)			–			–			2		2			–			–			2		2
Add: Average deferred tax liabilities related to goodwill (GAAP)			–			–			534		534			–			–			502		502
Average tangible common equity	C		$5,538			$5,647			$2,082		$13,267			$5,166			$5,071			$3,085		$13,322
Return on average tangible common equity	B/C		8.17	%		13.70	%		NM		12.35	%		6.68	%		12.44	%		NM		7.74	%
Return on average total tangible assets:
Average total assets (GAAP)			$59,714			$49,747			$40,492		$149,953			$56,388			$47,159			$39,636		$143,183
Less: Average goodwill (GAAP)			–			–			6,883		6,883			–			–			6,876		6,876
Average other intangibles (GAAP)			–			–			2		2			–			–			2		2
Add: Average deferred tax liabilities related to goodwill (GAAP)			–			–			534		534			–			–			502		502
Average tangible assets	D		$59,714			$49,747			$34,141		$143,602			$56,388			$47,159			$33,260		$136,807
Return on average total tangible assets	A/D		0.76	%		1.56	%		NM		1.15	%		0.61	%		1.34	%		NM		0.76	%
Efficiency ratio:
Noninterest expense (GAAP)	E		$2,593			$772			$109		$3,474			$2,547			$741			$64		$3,352
Net interest income (GAAP)			2,651			1,411			111		4,173			2,443			1,288			27		3,758
Noninterest income (GAAP)			905			538			91		1,534			883			466			148		1,497
Total revenue (GAAP)	F		$3,556			$1,949			$202		$5,707			$3,326			$1,754			$175		$5,255
Efficiency ratio	E/F		72.93	%		39.62	%		NM		60.87	%		76.57	%		42.26	%		NM		63.80	%

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