The following is a detail of other non-interest income for the years ended December 31: | | | | | | | | | | | | | | | | | | | 2025 | | 2024 | | 2023 | | | (In millions) | | Investment services fee income | $ | 182 | | | $ | 157 | | | $ | 138 | | | Commercial credit fee income | 114 | | | 111 | | | 105 | | | Bank-owned life insurance | 95 | | | 102 | | | 78 | | | | | | | | | Market value adjustments on employee benefit assets | 20 | | | 25 | | | 15 | | | | | | | | | | | | | | | Other miscellaneous income | 188 | | | 167 | | | 185 | | | $ | 599 | | | $ | 562 | | | $ | 521 | |
The following is a detail of other non-interest expense for the years ended December 31: | | | | | | | | | | | | | | | | | | | 2025 | | 2024 | | 2023 | | | (In millions) | | Outside services | $ | 166 | | | $ | 162 | | | $ | 163 | | | Marketing | 113 | | | 110 | | | 110 | | Professional, legal and regulatory expenses | 111 | | | 94 | | | 85 | | | Credit/checkcard expenses | 64 | | | 59 | | | 60 | | FDIC insurance assessments | 58 | | | 109 | | | 228 | | | Operational losses | 53 | | | 95 | | | 212 | | | Branch consolidation, property and equipment charges | (5) | | | 3 | | | 7 | | | Visa class B shares expense | 27 | | | 32 | | | 28 | | | Early extinguishment of debt | — | | | — | | | (4) | | | | | | | | | Other miscellaneous expenses | 401 | | | 365 | | | 410 | | | $ | 988 | | | $ | 1,029 | | | $ | 1,299 | |
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