| Schedule Of Financial Information By Reportable Segment |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 2025 | | | Corporate Bank | | Consumer Bank | | Wealth Management | | Other | | | | | | Consolidated | | | (In millions) | | Net interest income | $ | 1,877 | | | $ | 2,937 | | | $ | 177 | | | $ | — | | | | | | | $ | 4,991 | | | Provision for (benefit from) credit losses | 337 | | | 273 | | | 7 | | | (147) | | | | | | | 470 | | Non-interest income (loss) (1): | | | | | | | | | | | | | | | Service charges on deposit accounts | 246 | | | 386 | | | 3 | | | — | | | | | | | 635 | | | Card and ATM fees | 42 | | | 444 | | | 1 | | | — | | | | | | | 487 | | | Investment management and trust fee income | — | | | — | | | 362 | | | — | | | | | | | 362 | | | Capital markets income | 344 | | | 2 | | | 1 | | | — | | | | | | | 347 | | | Mortgage income | — | | | 158 | | | — | | | — | | | | | | | 158 | | | Investment services fee income | — | | | — | | | 182 | | | — | | | | | | | 182 | | | Commercial credit fee income | 114 | | | — | | | — | | | — | | | | | | | 114 | | | Bank-owned life insurance | — | | | — | | | — | | | 95 | | | | | | | 95 | | | Securities gains (losses), net | — | | | — | | | — | | | (53) | | | | | | | (53) | | Market value adjustments on employee benefit assets | — | | | — | | | — | | | 20 | | | | | | | 20 | | | | | | | | | | | | | | | | | Other miscellaneous income (loss) | 209 | | | 79 | | | 3 | | | (103) | | | | | | | 188 | | Total non-interest income (loss) | 955 | | | 1,069 | | | 552 | | | (41) | | | | | | | 2,535 | | Non-interest expense: | | | | | | | | | | | | | | | Salaries and employee benefits | 564 | | | 726 | | | 281 | | | 1,045 | | | | | | | 2,616 | | | Equipment and software expense | 22 | | | 100 | | | 2 | | | 297 | | | | | | | 421 | | | Net occupancy expense | 27 | | | 221 | | | 12 | | | 28 | | | | | | | 288 | | Other expenses (benefits) (2) | 647 | | | 1,468 | | | 188 | | | (1,315) | | | | | | | 988 | | Total non-interest expense | 1,260 | | | 2,515 | | | 483 | | | 55 | | | | | | | 4,313 | | | Income before income taxes | 1,235 | | | 1,218 | | | 239 | | | 51 | | | | | | | 2,743 | | | Income tax expense (benefit) | 309 | | | 304 | | | 60 | | | (86) | | | | | | | 587 | | | Net income | $ | 926 | | | $ | 914 | | | $ | 179 | | | $ | 137 | | | | | | | $ | 2,156 | | | Average assets | $ | 69,862 | | | $ | 37,442 | | | $ | 2,151 | | | $ | 48,563 | | | | | | | $ | 158,018 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 2024 | | | Corporate Bank | | Consumer Bank | | Wealth Management | | Other | | | | | | Consolidated | | | (In millions) | | Net interest income | $ | 1,821 | | | $ | 2,834 | | | $ | 163 | | | $ | — | | | | | | | $ | 4,818 | | | Provision for (benefit from) credit losses | 362 | | | 270 | | | 8 | | | (153) | | | | | | | 487 | | Non-interest income (loss) (1): | | | | | | | | | | | | | | | Service charges on deposit accounts | 223 | | | 385 | | | 3 | | | 1 | | | | | | | 612 | | | Card and ATM fees | 43 | | | 424 | | | 1 | | | (1) | | | | | | | 467 | | | Investment management and trust fee income | — | | | — | | | 338 | | | — | | | | | | | 338 | | | Capital markets income | 346 | | | 1 | | | 1 | | | — | | | | | | | 348 | | | Mortgage income | — | | | 146 | | | — | | | — | | | | | | | 146 | | | Investment services fee income | — | | | — | | | 157 | | | — | | | | | | | 157 | | | Commercial credit fee income | 111 | | | — | | | — | | | — | | | | | | | 111 | | | Bank-owned life insurance | — | | | — | | | — | | | 102 | | | | | | | 102 | | | Securities gains (losses), net | — | | | — | | | — | | | (208) | | | | | | | (208) | | Market value adjustments on employee benefit assets | — | | | — | | | — | | | 25 | | | | | | | 25 | | | | | | | | | | | | | | | | | Other miscellaneous income (loss) | 174 | | | 81 | | | 2 | | | (90) | | | | | | | 167 | | Total non-interest income (loss) | 897 | | | 1,037 | | | 502 | | | (171) | | | | | | | 2,265 | | Non-interest expense: | | | | | | | | | | | | | | | Salaries and employee benefits | 558 | | | 721 | | | 260 | | | 990 | | | | | | | 2,529 | | | Equipment and software expense | 19 | | | 101 | | | 3 | | | 283 | | | | | | | 406 | | | Net occupancy expense | 27 | | | 210 | | | 12 | | | 29 | | | | | | | 278 | | Other expenses (benefit) (2) | 666 | | | 1,369 | | | 178 | | | (1,184) | | | | | | | 1,029 | | Total non-interest expense | 1,270 | | | 2,401 | | | 453 | | | 118 | | | | | | | 4,242 | | Income (loss) before income taxes | 1,086 | | | 1,200 | | | 204 | | | (136) | | | | | | | 2,354 | | | Income tax expense (benefit) | 271 | | | 300 | | | 51 | | | (161) | | | | | | | 461 | | | Net income (loss) | $ | 815 | | | $ | 900 | | | $ | 153 | | | $ | 25 | | | | | | | $ | 1,893 | | | Average assets | $ | 69,207 | | | $ | 37,947 | | | $ | 2,063 | | | $ | 44,664 | | | | | | | $ | 153,881 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 2023 | | | Corporate Bank | | Consumer Bank | | Wealth Management | | Other | | | | | | Consolidated | | | (In millions) | | Net interest income | $ | 2,007 | | | $ | 3,123 | | | $ | 190 | | | $ | — | | | | | | | $ | 5,320 | | | Provision for (benefit from) credit losses | 343 | | | 279 | | | 8 | | | (77) | | | | | | | 553 | | Non-interest income (1): | | | | | | | | | | | | | | | Service charges on deposit accounts | 193 | | | 396 | | | 3 | | | — | | | | | | | 592 | | | Card and ATM fees | 45 | | | 458 | | | — | | | 1 | | | | | | | 504 | | | Investment management and trust fee income | — | | | — | | | 313 | | | — | | | | | | | 313 | | | Capital markets income | 219 | | | 1 | | | 1 | | | 1 | | | | | | | 222 | | | Mortgage income | — | | | 109 | | | — | | | — | | | | | | | 109 | | | Investment services fee income | — | | | — | | | 138 | | | — | | | | | | | 138 | | | Commercial credit fee income | 105 | | | — | | | — | | | — | | | | | | | 105 | | | Bank-owned life insurance | — | | | — | | | — | | | 78 | | | | | | | 78 | | | Securities gains (losses), net | (1) | | | — | | | — | | | (4) | | | | | | | (5) | | Market value adjustments on employee benefit assets | — | | | — | | | — | | | 15 | | | | | | | 15 | | | | | | | | | | | | | | | | | Other miscellaneous income (loss) | 151 | | | 80 | | | 2 | | | (48) | | | | | | | 185 | | | Total non-interest income | 712 | | | 1,044 | | | 457 | | | 43 | | | | | | | 2,256 | | Non-interest expense: | | | | | | | | | | | | | | | Salaries and employee benefits | 546 | | | 732 | | | 254 | | | 884 | | | | | | | 2,416 | | | Equipment and software expense | 20 | | | 110 | | | 3 | | | 279 | | | | | | | 412 | | | Net occupancy expense | 27 | | | 222 | | | 12 | | | 28 | | | | | | | 289 | | Other expenses (benefit) (2) | 635 | | | 1,509 | | | 158 | | | (1,003) | | | | | | | 1,299 | | Total non-interest expense | 1,228 | | | 2,573 | | | 427 | | | 188 | | | | | | | 4,416 | | Income (loss) before income taxes | 1,148 | | | 1,315 | | | 212 | | | (68) | | | | | | | 2,607 | | | Income tax expense (benefit) | 287 | | | 330 | | | 52 | | | (136) | | | | | | | 533 | | | Net income | $ | 861 | | | $ | 985 | | | $ | 160 | | | $ | 68 | | | | | | | $ | 2,074 | | | Average assets | $ | 69,520 | | | $ | 37,762 | | | $ | 2,044 | | | $ | 43,691 | | | | | | | $ | 153,017 | |
_____ (1) Non-interest income includes $650 million, $473 million, and $534 million of revenue that is not from a contract with a customer for the years ended December 31, 2025, 2024 and 2023, respectively. 2) See Note 18 for a detail of expenses compromising other expenses.
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