Fifth Third Bancorp (FITB) 10-K 24 Feb 25 2024 FY Annual report Financial data

Cover Page

Cover Page - USD ($) $ in Billions	12 Months Ended
	Dec. 31, 2024	Jan. 31, 2025	Jun. 30, 2024
Entity Listings [Line Items]
Document Type	10-K
Document Period End Date	Dec. 31, 2024
Current Fiscal Year End Date	--12-31
Entity File Number	001-33653
Entity Incorporation, State or Country Code	OH
Entity Tax Identification Number	31-0854434
Entity Address, Address Line One	38 Fountain Square Plaza
Entity Address, City or Town	Cincinnati
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	45263
City Area Code	800
Local Phone Number	972-3030
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		665,618,316
Entity Public Float			$ 21.7
Documents Incorporated by Reference	DOCUMENTS INCORPORATED BY REFERENCE This report incorporates into a single document the requirements of the U.S. Securities and Exchange Commission (the “SEC”) with respect to annual reports on Form 10-K and annual reports to shareholders. Sections of the Bancorp’s Proxy Statement for the 2025 Annual Meeting of Shareholders are incorporated by reference into Part III of this report. Only those sections of this 2024 Annual Report to Shareholders that are specified in this Cross Reference Index constitute part of the registrant’s Form 10-K for the year ended December 31, 2024. No other information contained in this 2024 Annual Report to Shareholders shall be deemed to constitute any part of this Form 10-K nor shall any such information be incorporated into the Form 10-K and shall not be deemed “filed” as part of the registrant’s Form 10-K.
Amendment Flag	false
Entity Central Index Key	0000035527
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Document Annual Report	true
Document Transition Report	false
Entity Registrant Name	FIFTH THIRD BANCORP
Treasury Stock
Entity Listings [Line Items]
Title of 12(b) Security	Common Stock, Without Par Value
Trading Symbol	FITB
Security Exchange Name	NASDAQ
Preferred stock, Series I
Entity Listings [Line Items]
Title of 12(b) Security	6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series I
Trading Symbol	FITBI
Security Exchange Name	NASDAQ
Class B Preferred stock, Series A
Entity Listings [Line Items]
Title of 12(b) Security	6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A
Trading Symbol	FITBP
Security Exchange Name	NASDAQ
Preferred Stock, Series K
Entity Listings [Line Items]
Title of 12(b) Security	4.95% Non-Cumulative Perpetual Preferred Stock, Series K
Trading Symbol	FITBO
Security Exchange Name	NASDAQ

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2024
Audit Information [Abstract]
Auditor Name	Deloitte & Touche LLP
Auditor Location	Cincinnati, Ohio
Auditor Firm ID	34

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 3,014	$ 3,142
Other short-term investments	[1]	17,120	22,082
Available-for-sale debt and other securities		39,547	50,419
Held-to-maturity securities		11,278	2
Trading debt securities		1,185	899
Equity securities		341	613
Loans and leases held for sale		640	378
Total portfolio loans and leases		119,791	117,234
Allowance for loan and lease losses	[1]	(2,352)	(2,322)
Portfolio loans and leases, net		117,439	114,912
Bank premises and equipment		2,475	2,349
Operating lease equipment		319	459
Goodwill		4,918	4,919
Intangible assets		90	125
Servicing rights		1,704	1,737
Other assets	[1]	12,857	12,538
Total Assets		212,927	214,574
Deposits:
Noninterest-bearing deposits		41,038	43,146
Interest-bearing deposits		126,214	125,766
Total deposits		167,252	168,912
Federal funds purchased		204	193
Other short-term borrowings		4,450	2,861
Accrued taxes, interest and expenses		2,137	2,195
Other liabilities	[1]	4,902	4,861
Long-term debt	[1]	14,337	16,380
Total Liabilities		193,282	195,402
Equity
Common stock	[2]	2,051	2,051
Preferred stock	[3]	2,116	2,116
Capital surplus		3,804	3,757
Retained earnings		24,150	22,997
Accumulated other comprehensive loss		(4,636)	(4,487)
Treasury stock	[2]	(7,840)	(7,262)
Total Equity		19,645	19,172
Total Liabilities and Equity		$ 212,927	$ 214,574
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12. Common shares: Stated value $2.22 per share; authorized 2,000,000,000; outstanding at December 31, 2024 – 669,853,830 (excludes 254,038,751 treasury shares), 2023 – 681,124,810 (excludes 242,767,771 treasury shares). (c) 500,000 shares of no par value preferred stock were authorized at both December 31, 2024 and 2023. There were 422,000 unissued shares of undesignated no par value preferred stock at both December 31, 2024 and 2023. Each issued share of no par value preferred stock has a liquidation preference of $25,000. 500,000 shares of no par value Class B preferred stock were authorized at both December 31, 2024 and 2023. There were 300,000 unissued shares of undesignated no par value Class B preferred stock at both December 31, 2024 and 2023. Each issued share of no par value Class B preferred stock has a liquidation preference of $1,000.

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023
Other short-term investments	[1]	$ 17,120	$ 22,082
Total portfolio loans and leases		119,791	117,234
Allowance for loan and lease losses	[1]	(2,352)	(2,322)
Other assets	[1]	12,857	12,538
Other liabilities	[1]	4,902	4,861
Long-term debt	[1]	14,337	16,380
Amortized Cost		43,878	55,789
Held-to-maturity securities		10,965	2
Bank premises and equipment held for sale		$ 14	$ 19
Common stock, par value (in dollars per share)		$ 2.22	$ 2.22
Common stock, authorized (in shares)		2,000,000,000	2,000,000,000
Common stock, outstanding (in shares)		669,853,830	681,124,810
Treasury shares (in shares)		254,038,751	242,767,771
Preferred stock, authorized (in shares)		500,000	500,000
Preferred stock, unissued (in shares)		422,000	422,000
Preferred stock, liquidation preference per share (in dollars per share)		$ 25,000	$ 25,000
Preferred Class B
Preferred stock, authorized (in shares)		500,000	500,000
Preferred stock, unissued (in shares)		300,000	300,000
Preferred stock, liquidation preference per share (in dollars per share)		$ 1,000	$ 1,000
Residential Mortgage
Allowance for loan and lease losses		$ (146)	$ (145)
Loans held for sale		574	334
Loans measured at FV		108	116
Variable Interest Entity, Primary Beneficiary | Automobile And Solar Loan
Other short-term investments		51	55
Total portfolio loans and leases		1,000	1,573
Allowance for loan and lease losses		(19)	(28)
Other assets		5	10
Other liabilities		12	14
Long-term debt		$ 889	$ 1,409
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12.

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest Income
Interest and fees on loans and leases		$ 7,477	$ 7,334	$ 4,954
Interest on securities		1,839	1,770	1,517
Interest on other short-term investments		1,110	656	116
Total interest income		10,426	9,760	6,587
Interest Expense
Interest on deposits		3,736	2,929	447
Interest on federal funds purchased		11	15	6
Interest on other short-term borrowings		157	247	108
Interest on long-term debt		892	742	417
Total interest expense		4,796	3,933	978
Net Interest Income		5,630	5,827	5,609
Provision for credit losses		530	515	563
Net Interest Income After Provision for Credit Losses		5,100	5,312	5,046
Noninterest Income
Wealth and asset management revenue		647	581	570
Commercial payments revenue		608	564	568
Consumer banking revenue		555	546	542
Capital markets fees		424	422	387
Commercial banking revenue		377	409	419
Mortgage banking net revenue		211	250	215
Other noninterest income		12	91	149
Securities gains (losses), net		15	18	(84)
Total noninterest income		2,849	2,881	2,766
Noninterest Expense
Compensation and benefits	[1]	2,763	2,694	2,554
Technology and communications	[1]	474	464	416
Net occupancy expense	[1]	339	331	307
Equipment expense	[1]	153	148	145
Loan and lease expense	[1]	132	133	167
Marketing expense	[1]	115	126	118
Card and processing expense	[1]	84	84	80
Other noninterest expense	[1]	973	1,225	932
Total noninterest expense	[1]	5,033	5,205	4,719
Income (loss) before income taxes (FTE)		2,916	2,988	3,093
Applicable income tax expense		602	639	647
Net Income		2,314	2,349	2,446
Dividends on preferred stock		159	137	116
Net Income Available to Common Shareholders		$ 2,155	$ 2,212	$ 2,330
Shares Disclosures
Earnings per share - basic (in dollars per share)		$ 3.16	$ 3.23	$ 3.38
Earnings per share - diluted (in dollars per share)		$ 3.14	$ 3.22	$ 3.35
Average common shares outstanding - basic (in shares)		682,160,985	684,172,079	688,633,659
Average common shares outstanding - diluted (in shares)		687,300,837	687,678,291	694,952,038
[1] During the fourth quarter of 2024, certain noninterest income and noninterest expense line items were reclassified to better align disclosures to business activities. These reclassifications were retrospectively applied to all prior periods presented. Total noninterest income and noninterest expense did not change as a result of these reclassifications. Refer to Note 1 for additional information.

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net Income	$ 2,314	$ 2,349	$ 2,446
Net unrealized losses on available-for-sale debt securities:
Unrealized holding gains (losses) arising during the year	15	494	(5,478)
Unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities	785	0	0
Reclassification adjustment for net losses (gains) included in net income	14	1	(2)
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities:
Unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities	(785)	0	0
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities	101	0	0
Net unrealized losses on cash flow hedge derivatives:
Unrealized holding losses arising during the year	(552)	(131)	(774)
Reclassification adjustment for net losses (gains) included in net income	270	257	(77)
Defined benefit pension plans, net:
Net actuarial (loss) gain arising during the year	(2)	(1)	9
Reclassification of amounts to net periodic benefit costs	3	3	5
Other	2	0	0
Other comprehensive (loss) income, net of tax	(149)	623	(6,317)
Comprehensive Income (Loss)	$ 2,165	$ 2,972	$ (3,871)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY - USD ($) $ in Millions		Total	Preferred stock, Series H	Preferred stock Series I	Preferred stock, Series J	Preferred Stock Series K	Preferred stock, Series L	Class B Series A Preferred Stock	Cumulative Effect, Period of Adoption, Adjustment		Cumulative Effect, Period of Adoption, Adjusted Balance	Common Stock	Common Stock Cumulative Effect, Period of Adoption, Adjusted Balance	Preferred Stock	Preferred Stock Cumulative Effect, Period of Adoption, Adjusted Balance	Capital Surplus	Capital Surplus Cumulative Effect, Period of Adoption, Adjusted Balance	Retained Earnings	Retained Earnings Preferred stock, Series H	Retained Earnings Preferred stock Series I	Retained Earnings Preferred stock, Series J	Retained Earnings Preferred Stock Series K	Retained Earnings Preferred stock, Series L	Retained Earnings Class B Series A Preferred Stock	Retained Earnings Cumulative Effect, Period of Adoption, Adjustment		Retained Earnings Cumulative Effect, Period of Adoption, Adjusted Balance	Accumulated Other Comprehensive (Loss) Income	Accumulated Other Comprehensive (Loss) Income Cumulative Effect, Period of Adoption, Adjusted Balance	Treasury Stock	Treasury Stock Cumulative Effect, Period of Adoption, Adjusted Balance
Beginning Balance at Dec. 31, 2021		$ 22,210										$ 2,051		$ 2,116		$ 3,624		$ 20,236										$ 1,207		$ (7,024)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		2,446																2,446
Other comprehensive (loss) income, net of tax		(6,317)																										(6,317)
Cash dividends declared:
Common stock		(877)																(877)
Preferred stock	[1]		$ (31)	$ (30)	$ (15)	$ (12)	$ (16)	$ (12)											$ (31)	$ (30)	$ (15)	$ (12)	$ (16)	$ (12)
Shares acquired for treasury		(100)																												(100)
Impact of stock transactions under stock compensation plans, net		81														60														21
Ending Balance at Dec. 31, 2022		$ 17,327							$ 37		$ 17,364	2,051	$ 2,051	2,116	$ 2,116	3,684	$ 3,684	21,689							$ 37		$ 21,726	(5,110)	$ (5,110)	(7,103)	$ (7,103)
Cash dividends declared:
Accounting Standards Update [Extensible Enumeration]		Accounting Standards Update 2022-02 [Member]
Net Income		$ 2,349																2,349
Other comprehensive (loss) income, net of tax		623																										623
Common stock		(941)																(941)
Preferred stock	[1]		(42)	(30)	(25)	(12)	(16)	(12)											(42)	(30)	(25)	(12)	(16)	(12)
Shares acquired for treasury		(201)																												(201)
Impact of stock transactions under stock compensation plans, net		115														73														42
Ending Balance at Dec. 31, 2023		19,172							$ (10)	[2]	$ 19,162	2,051	$ 2,051	2,116	$ 2,116	3,757	$ 3,757	22,997							$ (10)	[2]	$ 22,987	(4,487)	$ (4,487)	(7,262)	$ (7,262)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		2,314																2,314
Other comprehensive (loss) income, net of tax		(149)																										(149)
Cash dividends declared:
Common stock	[1]	(992)																(992)
Preferred stock	[1]		$ (51)	$ (42)	$ (26)	$ (12)	$ (16)	$ (12)											$ (51)	$ (42)	$ (26)	$ (12)	$ (16)	$ (12)
Shares acquired for treasury		(630)																												(630)
Impact of stock transactions under stock compensation plans, net		99														47														52
Ending Balance at Dec. 31, 2024		$ 19,645										$ 2,051		$ 2,116		$ 3,804		$ 24,150										$ (4,636)		$ (7,840)
[1] Refer to Note 24 for further information on dividends declared for preferred stock. Related to the adoption of ASU 2023-02 as of January 1, 2024. Refer to Note 1 for additional information.

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Parenthetical) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Common stock dividends, per share (in dollars per share)		$ 1.44	$ 1.36	$ 1.26
Net Income		$ 2,314	$ 2,349	$ 2,446
Preferred stock, Series H
Preferred stock dividends, per share (in usd per share)	[1]	$ 2,144.06	$ 1,740.35	$ 1,275
Preferred stock Series I
Preferred stock dividends, per share (in usd per share)	[1]	2,316.08	1,656.24	1,656.24
Preferred stock, Series J
Preferred stock dividends, per share (in usd per share)	[1]	2,168.54	2,131.27	1,249.19
Preferred Stock Series K
Preferred stock dividends, per share (in usd per share)	[1]	1,237.5	1,237.5	1,237.5
Preferred stock, Series L
Preferred stock dividends, per share (in usd per share)	[1]	1,125	1,125	1,125
Class B Series A Preferred Stock
Preferred stock dividends, per share (in usd per share)	[1]	$ 60	$ 60	$ 60
[1] Refer to Note 24 for further information on dividends declared for preferred stock.

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating Activities
Net Income	$ 2,314	$ 2,349	$ 2,446
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	530	515	563
Depreciation, amortization and accretion	495	462	436
Stock-based compensation expense	164	169	165
Provision for (benefit from) deferred income taxes	72	(106)	(60)
Securities (gains) losses, net	(20)	(31)	84
MSR fair value adjustment	77	105	(177)
Net gains on sales of loans and fair value adjustments on loans held for sale	(34)	(27)	(126)
Net gains on disposition and impairment of bank premises and equipment and operating lease equipment	(14)	(7)	(1)
Gain on the TRA associated with Worldpay, Inc.	(11)	(22)	(46)
Proceeds from sales of loans held for sale	4,066	4,938	13,123
Loans originated or purchased for sale, net of repayments	(4,301)	(4,242)	(10,239)
Dividends representing return on equity method investments	44	46	50
Net change in:
Equity and trading debt securities	(3)	(128)	70
Other assets	(625)	326	646
Accrued taxes, interest and expenses and other liabilities	70	162	(506)
Net Cash Provided by Operating Activities	2,824	4,509	6,428
Proceeds from sales:
AFS securities and other investments	782	2,813	4,359
Loans and leases	419	444	155
Bank premises and equipment	24	7	2
MSRs	5	0	0
Proceeds from repayments / maturities of AFS and HTM securities and other investments	5,814	4,235	4,495
Purchases:
AFS securities, equity method investments and other investments	(7,129)	(6,244)	(29,714)
Bank premises and equipment	(414)	(491)	(348)
MSRs	0	(25)	(213)
Proceeds from settlement of BOLI	34	14	49
Proceeds from sales and dividends representing return of equity method investments	11	69	87
Net cash received for divestitures	6	0	66
Net cash paid on acquisitions	0	0	(917)
Net change in:
Other short-term investments	4,962	(13,731)	26,224
Portfolio loans and leases	(3,540)	3,358	(8,992)
Operating lease equipment	65	63	(124)
Net Cash Provided by (Used in) Investing Activities	1,039	(9,488)	(4,871)
Financing Activities
Net change in deposits	(1,660)	5,222	(5,994)
Net change in federal funds purchased and other short-term borrowings	(32)	(81)	(543)
Proceeds from short-term FHLB advances	4,100	6,750	7,550
Repayment of short-term FHLB advances	(2,500)	(8,550)	(3,250)
Proceeds from long-term debt issuances/advances	3,249	4,286	4,026
Repayment of long-term debt	(5,282)	(1,657)	(1,762)
Dividends paid on common and preferred stock	(1,176)	(1,060)	(927)
Repurchase of treasury stock and related forward contract	(625)	(200)	(100)
Other	(65)	(55)	(85)
Net Cash (Used in) Provided by Financing Activities	(3,991)	4,655	(1,085)
(Decrease) Increase in Cash and Due from Banks	(128)	(324)	472
Cash and Due from Banks at Beginning of Period	3,142	3,466	2,994
Cash and Due from Banks at End of Period	$ 3,014	$ 3,142	$ 3,466

Summary of Significant Accounti

Summary of Significant Accounting and Reporting Policies	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Summary of Significant Accounting and Reporting Policies	Summary of Significant Accounting and Reporting Policies Nature of Operations Fifth Third Bancorp, an Ohio corporation, conducts its principal lending, deposit gathering, transaction processing and service advisory activities through its banking and non-banking subsidiaries from banking centers located throughout the Midwestern and Southeastern regions of the United States as well as through other offices, telephone sales, the internet and mobile applications. Basis of Presentation The Consolidated Financial Statements include the accounts of the Bancorp and its majority-owned subsidiaries and VIEs in which the Bancorp has been determined to be the primary beneficiary. Other entities, including certain joint ventures in which the Bancorp has the ability to exercise significant influence over operating and financial policies of the investee, but upon which the Bancorp does not possess control, are accounted for by the equity method and not consolidated. The investments in those entities in which the Bancorp does not have the ability to exercise significant influence are generally carried at fair value unless the investment does not have a readily determinable fair value. The Bancorp accounts for equity investments without a readily determinable fair value using the measurement alternative to fair value, representing the cost of the investment minus any impairment recorded and plus or minus changes resulting from observable price changes in orderly transactions for an identical or a similar investment of the same issuer. Intercompany transactions and balances among consolidated entities have been eliminated. Certain prior period data has been reclassified to conform to current period presentation. Specifically, certain line items within noninterest income and noninterest expense have been reclassified to better align disclosures to business activities. Within noninterest income, these reclassifications resulted in three new financial statement line items, including commercial payments revenue, consumer banking revenue and capital markets fees. Commercial banking revenue and other noninterest income were also affected by the reclassifications. Within noninterest expense, these reclassifications resulted in the separate disclosure of loan and lease expense, which was previously a component of other noninterest expense. These reclassifications did not impact total noninterest income or total noninterest expense and were applied retrospectively to all prior periods presented. Use of Estimates The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. Cash and Due from Banks Cash and due from banks consist of currency and coin, cash items in the process of collection and due from banks. Currency and coin includes both U.S. and foreign currency owned and held at Fifth Third offices and that is in-transit to the FRB. Cash items in the process of collection include checks and drafts that are drawn on another depository institution or the FRB that are payable immediately upon presentation in the U.S. Balances due from banks include noninterest-bearing balances that are funds on deposit at other depository institutions or the FRB. Investment Securities Debt securities are classified as held-to-maturity, available-for-sale or trading on the date of purchase. Only those securities which management has the intent and ability to hold to maturity are classified as held-to-maturity and reported at amortized cost. Debt securities are classified as available-for-sale when, in management’s judgment, they may be sold in response to, or in anticipation of, changes in market conditions. Debt securities are classified as trading typically when bought and held principally for the purpose of selling them in the near term. Trading debt securities are reported at fair value with unrealized gains and losses included in noninterest income. Available-for-sale debt securities are reported at fair value with unrealized gains and losses, net of related deferred income taxes, included in OCI. For available-for-sale debt securities hedged in a fair value hedge, the amortized cost basis of the hedged items (excluding unrealized gains and losses) includes the cumulative fair value hedging basis adjustments. Changes in the fair value of these securities which are attributable to changes in the hedged risk are recognized in earnings instead of OCI. Accrued interest receivable on investment securities is presented in the Consolidated Balance Sheets as a component of other assets. Available-for-sale debt securities with unrealized losses are reviewed quarterly to determine if the decline in fair value is the result of a credit loss or other factors. An allowance for credit losses is recorded against available-for-sale debt securities to reflect the amount of the unrealized loss attributable to credit; however, this impairment is limited by the amount that the fair value is less than the amortized cost basis. Any remaining unrealized loss is recognized through OCI. Changes in the allowance for credit losses are recognized in earnings. The determination of whether or not a credit loss exists is based on consideration of the cash flows expected to be collected from the debt security. The Bancorp develops these expectations after considering various factors such as agency ratings, the financial condition of the issuer or underlying obligors, payment history, payment structure of the security, industry and market conditions, underlying collateral and other factors which may be relevant based on the facts and circumstances pertaining to individual securities. If the Bancorp intends to sell the debt security or will more likely than not be required to sell the debt security before recovery of its amortized cost basis, then the allowance for credit losses, if previously recorded, is written off and the security’s amortized cost is written down to the security’s fair value at the reporting date, with any incremental impairment recorded as a charge to noninterest income. Held-to-maturity debt securities are assessed periodically to determine if an allowance is necessary to absorb credit losses expected to occur over the remaining contractual life of the securities. The carrying amount of held-to-maturity debt securities is presented net of the allowance for credit losses when such an allowance is deemed necessary. Debt securities classified as available-for-sale may be transferred to the held-to-maturity classification if the Bancorp determines that it has the positive intent and ability to hold the securities until their maturity. Upon transfer to held-to-maturity, the transferred securities are reported at amortized cost plus or minus the pre-tax amount of the remaining unrealized gains or losses reported in AOCI at the transfer date. The resulting premium or discount is amortized into income over the remaining life of the securities as an adjustment to yield. Any unrealized gains or losses that exist on the date of transfer continue to be reported as a component of AOCI and are amortized into income over the remaining life of the securities as an adjustment to yield, offsetting the amortization of the premium or discount that was recognized at the transfer date. Any allowance for credit losses that was previously recorded when the securities were classified as available-for-sale is reversed into earnings on the date of transfer. After the transfer to held-to-maturity, the securities would be re-assessed for any necessary allowance for credit losses, as previously discussed. Equity securities with readily determinable fair values not accounted for under the equity method are reported at fair value with unrealized gains and losses included in noninterest income in the Consolidated Statements of Income. Equity securities without readily determinable fair values are measured at cost minus impairment, if any, plus or minus changes as a result of an observable price change for the identical or similar investment of the same issuer. At each quarterly reporting period, the Bancorp performs a qualitative assessment to evaluate whether impairment indicators are present. If qualitative indicators are identified, the investment is measured at fair value with the impairment loss included in noninterest income in the Consolidated Statements of Income. The fair value of a security is determined based on quoted market prices. If quoted market prices are not available, fair value is determined based on quoted prices of similar instruments. Premiums on purchased callable debt securities are amortized to the earliest call date if the call feature meets certain criteria. Otherwise, premiums are amortized to maturity similar to discounts on callable debt securities. Realized securities gains or losses are reported within noninterest income in the Consolidated Statements of Income. The cost of securities sold is based on the specific identification method. Portfolio Loans and Leases Basis of accounting Portfolio loans and leases are generally reported at the principal amount outstanding, net of unearned income, deferred direct loan origination fees and costs and any direct principal charge-offs. Direct loan origination fees and costs are deferred and the net amount is amortized over the contractual life or estimated life, if prepayments are estimated, of the related loans as a yield adjustment. Interest income is recognized based on the principal balance outstanding, computed using the effective interest method. Loans and leases acquired by the Bancorp through a purchase or a business combination are recorded at fair value as of the acquisition date. Purchased loans and finance leases (including both sales-type leases and direct financing leases) are evaluated for evidence of credit deterioration at acquisition and recorded at their initial fair value. For loans and finance leases acquired in a business combination that do not exhibit evidence of more-than-insignificant credit deterioration since origination, the Bancorp does not carry over the acquired company’s ALLL, but upon acquisition will record an ALLL and provision for credit losses reflective of credit losses expected to be incurred over the remaining contractual life of the acquired loans. Premiums and discounts reflected in the initial fair value are amortized over the contractual life of the loan as an adjustment to yield. For loans and finance leases that exhibit evidence of more-than-insignificant credit quality deterioration since origination, the Bancorp’s estimate of expected credit losses is added to the ALLL upon acquisition and to the initial purchase price of the loans and leases to determine the initial amortized cost basis for the purchased financial assets with credit deterioration. Any resulting difference between the initial amortized cost basis (as adjusted for expected credit losses) and the par value of the loans and leases at the acquisition date represents the non-credit premium or discount, which is amortized over the contractual life of the loan or lease as an adjustment to yield. This method of accounting for loans acquired with deteriorated credit quality does not apply to loans carried at fair value or loans held for sale. The Bancorp’s lease portfolio consists of sales-type, direct financing and leveraged leases. Leases are classified as sales-type if the Bancorp transfers control of the underlying asset to the lessee. The Bancorp classifies leases that do not meet any of the criteria for a sales-type lease as a direct financing lease if the present value of the sum of the lease payments and any residual value guaranteed by the lessee and/or any other third party equals or exceeds substantially all of the fair value of the underlying asset and the collection of the lease payments and residual value guarantee is probable. Sales-type and direct financing leases are recorded at the aggregate of lease payments plus estimated residual value of the leased property, less unearned income. Interest income on sales-type and direct financing leases is recognized over the term of the lease to achieve a constant periodic rate of return on the outstanding investment. Leveraged leases, entered into before January 1, 2019, are recorded at the aggregate of lease payments (less nonrecourse debt payments) plus estimated residual value of the leased property, less unearned income. Interest income on leveraged leases is recognized over the term of the lease to achieve a constant rate of return on the outstanding investment in the lease, net of the related deferred income tax liability, in the years in which the net investment is positive. Leveraged lease accounting is no longer applied for leases entered into or modified after the Bancorp’s adoption of ASU 2016-02, Leases, on January 1, 2019. Nonaccrual loans and leases The Bancorp places loans and leases on nonaccrual status when full repayment of principal and interest is not expected, unless the loan or lease is well-secured and in the process of collection. When a loan is placed on nonaccrual status, the accrual of interest, amortization of loan premium, accretion of loan discount and amortization/accretion of deferred net direct loan origination fees or costs are discontinued and all previously accrued and unpaid interest is reversed against income. The Bancorp utilizes the following policies to determine when full repayment of principal and interest on a loan or lease is not expected: • Commercial loans are placed on nonaccrual status when there is a clear indication that the borrower’s cash flows may not be sufficient to meet payments as they become due. Commercial loans where the principal or interest has been in default for a period of 90 days or more are generally maintained on nonaccrual status unless the loan is fully or partially guaranteed by a government agency or otherwise considered to be well secured and in the process of collection. • Residential mortgage loans are placed on nonaccrual status when principal and interest payments become past due 150 days or more, unless repayment of the loan is fully or partially guaranteed by a government agency. Residential mortgage loans may stay on nonaccrual status for an extended time as the foreclosure process typically lasts longer than 180 days. The Bancorp maintains a reserve for the portion of accrued interest receivable that it estimates will be uncollectible, at the portfolio level, for residential mortgage loans which are past due 90 days or more and on accrual status. This reserve is recorded as a component of other assets in the Consolidated Balance Sheets, consistent with the classification of the related accrued interest receivable. • Home equity loans and lines of credit are placed on nonaccrual status if principal or interest becomes past due 90 days or more. Home equity loans and lines of credit that become past due 60 days or more are also placed on nonaccrual status if the senior lien has been past due 120 days or more. • Credit card loans that have been modified for a borrower experiencing financial difficulty are placed on nonaccrual status at the time of the modification. Subsequent to the modification, accounts are placed on nonaccrual status when required payments become past due 90 days or more in accordance with the modified terms. • Indirect secured consumer loans and other consumer loans are generally placed on nonaccrual status when principal or interest becomes past due 90 days or more. • Loan balances remaining after charge-off on consumer loans subject to a bankruptcy proceeding are generally placed on nonaccrual status within 60 days of verification of the bankruptcy unless the borrower demonstrates willingness to repay the loan through a guaranteed repayment plan or reaffirmation of their obligation to the Bancorp. These loans are also placed on nonaccrual status when principal or interest becomes past due 60 days or more. • Loans discharged in a Chapter 7 bankruptcy and not reaffirmed by the borrower are placed on nonaccrual status and considered collateral-dependent loans at the time of discharge, regardless of the borrower’s payment history or capacity to repay in the future. Well-secured loans are collateralized by perfected security interests in real and/or personal property for which the Bancorp estimates proceeds from the sale would be sufficient to recover the outstanding principal and accrued interest balance of the loan and pay all costs to sell the collateral. The Bancorp considers a loan in the process of collection if collection efforts or legal action is proceeding and the Bancorp expects to collect funds sufficient to bring the loan current or recover the entire outstanding principal and accrued interest balance in the near future. Nonaccrual loans and leases may be returned to accrual status when all delinquent principal and interest payments become current in accordance with the loan agreement and the remaining principal and interest payments are reasonably assured of repayment in accordance with the contractual terms of the loan agreement, or when the loan is both well-secured and in the process of collection. Nonaccrual loans that have been modified for a borrower experiencing financial difficulty may not be returned to accrual status unless such loans have sustained repayment performance of six months or more and are reasonably assured of repayment in accordance with the modified terms. Loans discharged in a Chapter 7 bankruptcy may be returned to accrual status twelve months or more after discharge provided there is a sustained payment history after bankruptcy and collectability is reasonably assured for all remaining contractual payments. Except for loans discharged in a Chapter 7 bankruptcy that are not reaffirmed by the borrower, accruing residential mortgage loans, home equity loans and lines of credit, indirect secured consumer loans and other consumer loans modified for borrowers experiencing financial difficulty are maintained on accrual status, provided there is reasonable assurance of repayment and of performance according to the modified terms based upon a current, well-documented credit evaluation. Accruing commercial loans modified for borrowers experiencing financial difficulty are maintained on accrual status provided there is a sustained payment history of six months or more prior to the modification and collectability is reasonably assured for all remaining contractual payments under the modified terms. Modifications of commercial loans and credit card loans for borrowers experiencing financial difficulty that do not have a sustained payment history of six months or more in accordance with their modified terms remain on nonaccrual status until a six-month payment history is sustained. Nonaccrual loans and leases are generally accounted for on the cost recovery method due to the existence of doubt as to the collectability of the remaining amortized cost basis of nonaccrual assets. Under the cost recovery method, any payments received are applied to reduce principal. Once the entire amortized cost basis is collected, additional payments received are treated as recoveries of amounts previously charged-off until recovered in full, and any subsequent payments are treated as interest income. In certain circumstances when the remaining amortized cost basis of a nonaccrual loan or lease is deemed to be fully collectible, the Bancorp may utilize the cash basis method to account for interest payments received on a nonaccrual loan or lease. Under the cash basis method, interest income is recognized when cash is received, to the extent such income would have been accrued on the loan’s remaining balance at the contractual rate. The Bancorp records a charge-off to the ALLL when all or a portion of a loan or lease is deemed to be uncollectible, after considering the net realizable value of any underlying collateral. Commercial loans and leases on nonaccrual status and criticized commercial loans with aggregate borrower relationships exceeding $1 million are subject to an individual review to identify charge-offs. The Bancorp does not have an established delinquency threshold for partially or fully charging off commercial loans and leases. The Bancorp records charge-offs on consumer loans in accordance with applicable regulatory guidelines, which are primarily based on a loan’s delinquency status. Loan modifications In circumstances where an existing loan is modified (including a restructuring, refinancing, or other changes in terms which affect the loan’s contractual cash flows), the Bancorp evaluates whether the modification results in a continuation of the existing loan or the origination of a new loan. The Bancorp accounts for a modification as a new loan if the terms of the modified loan are at least as favorable to the Bancorp as the terms for comparable loans to other borrowers with similar collection risks who are obtaining new loans, or if the modification of terms is considered more than minor. If neither of these conditions are met, then the Bancorp will account for the loan as a continuation of the existing loan. When a modification is accounted for as a new loan, any unamortized net deferred fees or costs from the original loan are recognized in interest income when the new loan is originated. When a modification is accounted for as a continuation of the existing loan, the unamortized net deferred fees or costs from the original loan and any additional incremental direct fees and costs are carried forward and deferred as part of the amortized cost basis of the modified loan. ALLL The Bancorp disaggregates its portfolio loans and leases into portfolio segments for purposes of determining the ALLL. The Bancorp’s portfolio segments include commercial, residential mortgage and consumer. The Bancorp further disaggregates its portfolio segments into classes for purposes of monitoring and assessing credit quality based on certain risk characteristics. Classes within the commercial portfolio segment are based on the purpose of the loan or lease and include commercial and industrial, commercial mortgage owner-occupied, commercial mortgage nonowner-occupied, commercial construction and commercial leases. The residential mortgage portfolio segment is also considered a class. Classes within the consumer portfolio segment are based on the loan product type and include home equity, indirect secured consumer loans, credit card, solar energy installation loans and other consumer loans. For an analysis of the Bancorp’s ALLL by portfolio segment and credit quality information by class, refer to Note 6. The Bancorp maintains the ALLL to absorb the amount of credit losses that are expected to be incurred over the remaining contractual terms of the related loans and leases. Contractual terms are adjusted for expected prepayments but are not extended for expected extensions, renewals or modifications except in circumstances where extension or renewal options are embedded in the original contract and not unconditionally cancellable by the Bancorp. Accrued interest receivable on loans is presented in the Consolidated Financial Statements as a component of other assets. When accrued interest is deemed to be uncollectible (typically when a loan is placed on nonaccrual status), interest income is reversed. The Bancorp follows established policies for placing loans on nonaccrual status, so uncollectible accrued interest receivable is reversed in a timely manner. As a result, the Bancorp has elected not to measure a reserve for accrued interest receivable as part of its ALLL. However, the Bancorp does record a reserve for the portion of accrued interest receivable that it expects to be uncollectible. Refer to the Portfolio Loans and Leases section of this footnote for additional information. Credit losses are charged and recoveries are credited to the ALLL. The ALLL is maintained at a level the Bancorp considers to be adequate and is based on ongoing quarterly assessments and evaluations of the collectability of loans and leases, including historical credit loss experience, current and forecasted market and economic conditions and consideration of various qualitative factors that, in management’s judgment, deserve consideration in estimating expected credit losses. Provisions for credit losses are recorded for the amounts necessary to adjust the ALLL to the Bancorp’s current estimate of expected credit losses on portfolio loans and leases. The Bancorp’s methodology for determining the ALLL includes an estimate of expected credit losses on a collective basis for groups of loans and leases with similar risk characteristics and specific allowances for loans and leases which are individually evaluated. Larger commercial loans and leases included within aggregate borrower relationship balances exceeding $1 million on nonaccrual status are individually evaluated for an ALLL. The Bancorp considers the current value of collateral, credit quality of any guarantees, the guarantor’s liquidity and willingness to cooperate, the loan or lease structure (including modifications, if any) and other factors when determining the amount of the ALLL. Other factors may include the borrower’s susceptibility to risks presented by the forecasted macroeconomic environment, the industry and geographic region of the borrower, size and financial condition of the borrower, cash flow and leverage of the borrower and the Bancorp’s evaluation of the borrower’s management. When loans and leases are individually evaluated, allowances are determined based on management’s estimate of the borrower’s ability to repay the loan or lease given the availability of collateral and other sources of cash flow, as well as an evaluation of legal options available to the Bancorp. Allowances for individually evaluated loans and leases that are collateral-dependent are measured based on the fair value of the underlying collateral, less expected costs to sell where applicable. Allowances for individually evaluated loans and leases that are not collateral-dependent are typically measured based on the present value of expected cash flows of the loan or lease, discounted at its effective interest rate. Specific allowances on individually evaluated commercial loans and leases are reviewed quarterly and adjusted as necessary based on changing borrower and/or collateral conditions and actual collection and charge-off experience. The Bancorp considers loans to be collateral-dependent when it becomes probable that repayment of the loan will be provided through the sale or operation of the collateral instead of from payments made by the borrower. The expected credit losses for these loans are typically estimated based on the fair value of the underlying collateral, less expected costs to sell where applicable. Specific allowances on individually evaluated consumer and residential mortgage loans are reviewed quarterly and adjusted as necessary based on changing borrower and/or collateral conditions and actual collection and charge-off experience. Expected credit losses are estimated on a collective basis for loans and leases that are not individually evaluated. For collectively evaluated loans and leases, the Bancorp uses models to forecast expected credit losses based on the probability of a loan or lease defaulting, the expected balance at the estimated date of default and the expected loss percentage given a default. The estimate of the expected balance at the time of default considers prepayments and, for loans with available credit, expected utilization rates. The Bancorp’s expected credit loss models were developed based on historical credit loss experience and observations of migration patterns for various credit risk characteristics (such as internal credit risk ratings, external credit ratings or scores, delinquency status, loan-to-value trends, etc.) over time, with those observations evaluated in the context of concurrent macroeconomic conditions. The Bancorp developed its models from historical observations capturing a full economic cycle when possible. The Bancorp’s expected credit loss models consider historical credit loss experience, current market and economic conditions, and forecasted changes in market and economic conditions if such forecasts are considered reasonable and supportable. Generally, the Bancorp considers its forecasts to be reasonable and supportable for a period of up to three years from the estimation date. For periods beyond the reasonable and supportable forecast period, expected credit losses are estimated by reverting to historical loss information without adjustment for changes in economic conditions. This reversion is phased in over a two-year period. The Bancorp evaluates the length of its reasonable and supportable forecast period, its reversion period and reversion methodology at least annually, or more often if warranted by economic conditions or other circumstances. The Bancorp also considers qualitative factors in determining the ALLL in order to capture characteristics in the portfolio that impact expected credit losses but are not fully captured within the Bancorp’s expected credit loss models. These may include adjustments for changes in policies or procedures in underwriting, monitoring or collections, lending and risk management personnel and results of internal audit and quality control reviews. These may also include adjustments, when deemed necessary, for specific idiosyncratic risks such as geopolitical events, natural disasters and their effects on regional borrowers, changes in product structures or changes in economic conditions that are not reflected in the quantitative credit loss models. Qualitative factor adjustments may also be used to address the impacts of unforeseen events on key inputs and assumptions within the Bancorp’s expected credit loss models, such as the reasonable and supportable forecast period, changes to historical loss information or changes to the reversion period or methodology. When evaluating the adequacy of allowances, consideration is also given to regional geographic concentrations and the closely associated effect that changing economic conditions may have on the Bancorp’s customers. Reserve for Unfunded Commitments The reserve for unfunded commitments is maintained at a level believed by management to be sufficient to absorb estimated expected credit losses related to unfunded credit facilities and is included in other liabilities in the Consolidated Balance Sheets. The determination of the adequacy of the reserve is based upon expected credit losses over the remaining contractual life of the commitments, taking into consideration the current funded balance and estimated exposure over the reasonable and supportable forecast period. This process takes into consideration the same risk elements that are analyzed in the determination of the adequacy of the Bancorp’s ALLL, as previously discussed. Net adjustments to the reserve for unfunded commitments are included in the provision for credit losses in the Consolidated Statements of Income. Loans and Leases Held for Sale Loans and leases held for sale primarily represent conforming fixed-rate residential mortgage loans originated or acquired with the intent to sell in the secondary market and jumbo residential mortgage loans, commercial loans, other residential mortgage loans and other consumer loans that management has the intent to sell. Loans and leases held for sale may be carried at the lower of cost or fair value, or carried at fair value where the Bancorp has elected the fair value option of accounting under U.S. GAAP. The Bancorp has elected to measure certain groups of loans held for sale under the fair value option, including certain residential mortgage loans originated as held for sale and certain purchased commercial loans designated as held for sale at acquisition. For loans in which the Bancorp has not elected the fair value option, the lower of cost or fair value is determined at the individual loan level. The fair value of residential mortgage loans held for sale for which the fair value election has been made is estimated based upon mortgage-backed securities prices and spreads to those prices or, for certain ARM loans, DCF models that may incorporate the anticipated portfolio composition, credit spreads of asset-backed securities with similar collateral and market conditions. The anticipated portfolio comp

Supplemental Cash Flow Informat

Supplemental Cash Flow Information	12 Months Ended
	Dec. 31, 2024
Additional Cash Flow Elements and Supplemental Cash Flow Information [Abstract]
Supplemental Cash Flow Information	Supplemental Cash Flow Information Cash payments related to interest and income taxes in addition to non-cash investing and financing activities are presented in the following table for the years ended December 31: ($ in millions) 2024 2023 2022 Cash Payments: Interest $ 4,871 3,776 869 Income taxes 195 655 272 Transfers: Portfolio loans and leases to loans and leases held for sale $ 422 513 105 Loans and leases held for sale to portfolio loans and leases 4 6 409 Portfolio loans and leases to OREO 23 12 8 Bank premises and equipment to OREO 9 30 24 Available-for-sale debt securities to held-to-maturity securities (a) 11,593 — — Supplemental Disclosures: Net additions to lease liabilities under operating leases $ 74 72 152 Net additions (reductions) to lease liabilities under finance leases 44 (6) 27 (a) Represents the fair value of the securities on the date of transfer. Refer to Note 4 for additional information.

Restrictions on Dividends and C

Restrictions on Dividends and Capital Actions	12 Months Ended
	Dec. 31, 2024
Cash and Cash Equivalents [Abstract]
Restrictions on Dividends and Capital Actions	Restrictions on Dividends and Capital Actions Restrictions on Cash Dividends The principal source of income and funds for the Bancorp (parent company) are dividends from its subsidiaries. The dividends paid by the Bancorp’s banking subsidiary are subject to regulations and limitations prescribed by state and federal supervisory agencies. The Bancorp’s indirect banking subsidiary paid the Bancorp’s direct nonbank subsidiary holding company, which in turn paid the Bancorp, $1.8 billion in dividends during both the years ended December 31, 2024 and 2023. The Bancorp’s nonbank subsidiaries are also limited by certain federal and state statutory provisions and regulations covering the amount of dividends that may be paid in any given year. Capital Actions

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment Securities The Bancorp uses investment securities as a means of managing interest rate risk, providing collateral for pledging purposes and for liquidity risk management. The Bancorp may also utilize investment securities as part of a non-qualifying hedging strategy to manage interest rate risk related to MSRs. The following tables provide the amortized cost, unrealized gains and losses and fair value for the major categories of the available-for-sale debt and other securities and held-to-maturity securities portfolios as of December 31: 2024 ($ in millions) Amortized Cost Unrealized Gains Unrealized Losses Fair Available-for-sale debt and other securities: U.S. Treasury and federal agencies securities $ 4,358 2 — 4,360 Obligations of states and political subdivisions securities — — — — Mortgage-backed securities: Agency residential mortgage-backed securities 6,460 — (779) 5,681 Agency commercial mortgage-backed securities 23,853 1 (3,022) 20,832 Non-agency commercial mortgage-backed securities 4,505 — (338) 4,167 Asset-backed securities and other debt securities 3,924 3 (198) 3,729 Other securities (a) 778 — — 778 Total available-for-sale debt and other securities $ 43,878 6 (4,337) 39,547 Held-to-maturity securities: (b) U.S. Treasury and federal agencies securities $ 2,370 — (26) 2,344 Mortgage-backed securities: Agency residential mortgage-backed securities 4,898 — (197) 4,701 Agency commercial mortgage-backed securities 4,008 — (90) 3,918 Asset-backed securities and other debt securities 2 — — 2 Total held-to-maturity securities $ 11,278 — (313) 10,965 (a) Other securities consist of FHLB, FRB and DTCC restricted stock holdings of $276, $500 and $2, respectively, at December 31, 2024, that are carried at cost. (b) The amortized cost basis includes a discount of $865 at December 31, 2024 pertaining to the remaining unamortized portion of unrealized losses on securities transferred to HTM. 2023 ($ in millions) Amortized Cost Unrealized Gains Unrealized Losses Fair Available-for-sale debt and other securities: U.S. Treasury and federal agencies securities $ 4,477 1 (142) 4,336 Obligations of states and political subdivisions securities 2 — — 2 Mortgage-backed securities: Agency residential mortgage-backed securities 11,564 — (1,282) 10,282 Agency commercial mortgage-backed securities 28,945 5 (3,230) 25,720 Non-agency commercial mortgage-backed securities 4,872 — (427) 4,445 Asset-backed securities and other debt securities 5,207 3 (298) 4,912 Other securities (a) 722 — — 722 Total available-for-sale debt and other securities $ 55,789 9 (5,379) 50,419 Held-to-maturity securities: Asset-backed securities and other debt securities $ 2 — — 2 Total held-to-maturity securities $ 2 — — 2 (a) Other securities consist of FHLB, FRB and DTCC restricted stock holdings of $224, $496 and $2, respectively, at December 31, 2023, that are carried at cost. The following table provides the fair value of trading debt securities and equity securities as of December 31: ($ in millions) 2024 2023 Trading debt securities $ 1,185 899 Equity securities 341 613 The amounts reported in the preceding tables exclude accrued interest receivable on investment securities of $162 million and $146 million at December 31, 2024 and 2023, respectively, which is presented as a component of other assets in the Consolidated Balance Sheets. In January 2024, the Bancorp transferred $12.6 billion (amortized cost basis) of securities from available-for-sale to held-to-maturity to reflect the Bancorp’s change in intent to hold these securities to maturity in order to reduce potential capital volatility associated with investment security market price fluctuations. AOCI included pretax unrealized losses of $994 million on these securities at the date of transfer. The unrealized losses that existed on the date of transfer will continue to be reported as a component of AOCI and will be amortized into income over the remaining life of the securities as an adjustment to yield, offsetting the amortization of the discount resulting from the transfer recorded at fair value. The amortized cost basis of held-to-maturity securities included a discount of $865 million at December 31, 2024 pertaining to the unamortized portion of unrealized losses on securities, which are offset in AOCI. The following table presents the components of net securities gains and losses recognized in the Consolidated Statements of Income, including those recognized related to the Bancorp’s non-qualifying hedging strategy for MSRs, for the years ended December 31: ($ in millions) 2024 2023 2022 Available-for-sale debt and other securities: Realized gains $ 5 34 16 Realized losses (2) (30) (13) Impairment losses (21) (5) (1) Net (losses) gains on available-for-sale debt and other securities $ (18) (1) 2 Trading debt securities: Net realized losses — — (2) Net unrealized gains — 3 11 Net trading debt securities gains $ — 3 9 Equity securities: Net realized gains 15 5 1 Net unrealized gains (losses) 18 11 (96) Net equity securities gains (losses) $ 33 16 (95) Total gains (losses) recognized in income from available-for-sale debt and other securities, trading debt securities and equity securities (a) $ 15 18 (84) (a) Excludes $5 and $13 of net securities gains for the years ended December 31, 2024 and 2023, respectively, and an immaterial amount of net securities losses for the year ended December 31, 2022 related to securities held by FTS to facilitate the timely execution of customer transactions. These gains and losses are included in capital markets fees and wealth and asset management revenue in the Consolidated Statements of Income. The Bancorp recognized impairment losses on available-for-sale debt and other securities of $21 million, $5 million and $1 million during the years ended December 31, 2024, 2023 and 2022, respectively. These losses were included in securities gains (losses), net, in the Consolidated Statements of Income and related to certain securities in unrealized loss positions where the Bancorp had determined that it no longer intended to hold the securities until the recovery of their amortized cost bases. At both December 31, 2024 and 2023, the Bancorp did not recognize an allowance for credit losses for its investment securities. The Bancorp also did not recognize provision for credit losses for investment securities during the years ended December 31, 2024, 2023 and 2022. At December 31, 2024 and 2023, investment securities with a fair value o f $30.0 billion and $25.2 billion, respectively, were pledged to secure borrowing capacity, public deposits, trust funds, derivative contracts and for other purposes as required or permitted by law. The expected maturity distribution of the Bancorp’s mortgage-backed securities and the contractual maturity distribution of the remainder of the Bancorp’s available-for-sale debt and other securities and held-to-maturity securities as of December 31, 2024 are shown in the following table: Available-for-Sale Debt and Other Held-to-Maturity ($ in millions) Amortized Cost Fair Value Amortized Cost Fair Value Debt securities: (a) Due in 1 year or less $ 3,682 3,666 37 38 Due after 1 year through 5 years 16,586 15,643 3,231 3,191 Due after 5 years through 10 years 16,262 13,830 7,549 7,286 Due after 10 years 6,570 5,630 461 450 Other securities 778 778 — — Total $ 43,878 39,547 11,278 10,965 (a) Actual maturities may differ from contractual maturities when a right to call or prepay obligations exists with or without call or prepayment penalties. The following table provides the fair value and gross unrealized losses on available-for-sale debt and other securities in an unrealized loss position, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of December 31: Less than 12 months 12 months or more Total ($ in millions) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses 2024 U.S. Treasury and federal agencies securities $ 569 — — — 569 — Agency residential mortgage-backed securities 1,061 (14) 4,566 (765) 5,627 (779) Agency commercial mortgage-backed securities 157 (6) 20,536 (3,016) 20,693 (3,022) Non-agency commercial mortgage-backed securities 183 (3) 3,984 (335) 4,167 (338) Asset-backed securities and other debt securities 283 (11) 3,157 (187) 3,440 (198) Total $ 2,253 (34) 32,243 (4,303) 34,496 (4,337) 2023 U.S. Treasury and federal agencies securities $ 1,989 (3) 2,157 (139) 4,146 (142) Agency residential mortgage-backed securities 81 (2) 10,200 (1,280) 10,281 (1,282) Agency commercial mortgage-backed securities 5,439 (556) 19,957 (2,674) 25,396 (3,230) Non-agency commercial mortgage-backed securities 141 (2) 4,284 (425) 4,425 (427) Asset-backed securities and other debt securities 340 (17) 4,184 (281) 4,524 (298) Total $ 7,990 (580) 40,782 (4,799) 48,772 (5,379) At December 31, 2024 and 2023, $34 million a nd $45 million, respectively, of unrealized losses in the available-for-sale debt and other securities portfolio were related to non-rated securities.

Loans and Leases

Loans and Leases	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Loans and Leases	Loans and Leases The Bancorp diversifies its loan and lease portfolio by offering a variety of loan and lease products with various payment terms and rate structures. The Bancorp’s commercial loan and lease portfolio consists of lending to various industry types. Management periodically reviews the performance of its loan and lease products to evaluate whether they are performing within acceptable interest rate and credit risk levels and changes are made to underwriting policies and procedures as needed. The Bancorp maintains an allowance to absorb loan and lease losses that are expected to be incurred over the remaining contractual terms of the related loans and leases. For further information on credit quality and the ALLL, refer to Note 6. The following table provides a summary of commercial loans and leases classified by primary purpose and consumer loans classified based upon product or collateral as of December 31: ($ in millions) 2024 2023 Loans and leases held for sale: Commercial and industrial loans $ 15 41 Commercial mortgage loans 22 — Commercial construction loans 29 — Commercial leases — 3 Residential mortgage loans 574 334 Total loans and leases held for sale $ 640 378 Portfolio loans and leases: Commercial and industrial loans $ 52,271 53,270 Commercial mortgage loans 12,246 11,276 Commercial construction loans 5,588 5,621 Commercial leases 3,188 2,579 Total commercial loans and leases $ 73,293 72,746 Residential mortgage loans $ 17,543 17,026 Home equity 4,188 3,916 Indirect secured consumer loans 16,313 14,965 Credit card 1,734 1,865 Solar energy installation loans 4,202 3,728 Other consumer loans 2,518 2,988 Total consumer loans $ 46,498 44,488 Total portfolio loans and leases $ 119,791 117,234 Portfolio loans and leases are recorded net of unearned income, which totaled $380 million and $272 million as of December 31, 2024 and 2023, respectively. The amortized cost basis of loans and leases excludes accrued interest receivable of $566 million and $593 million at December 31, 2024 and 2023, respectively, which is presented as a component of other assets in the Consolidated Balance Sheets. Additionally, portfolio loans and leases are recorded net of unamortized premiums and discounts, deferred direct loan origination fees and costs associated with loans and valuation adjustments associated with loans measured at fair value. These items totaled a net discount of $324 million and $395 million as of December 31, 2024 and 2023, respectively, of which $901 million and $865 million of net discount was related to solar energy installation loans, respectively. The Bancorp’s FHLB and FRB borrowings are primarily secured by loans. The Bancorp had loans of $15.1 billion and $14.5 billion as of December 31, 2024 and 2023, respectively, pledged to the FHLB, and loans of $55.3 billion and $49.3 billion at December 31, 2024 and 2023, respectively, pledged to the FRB. The following table presents a summary of the total loans and leases owned by the Bancorp and net charge-offs (recoveries) as of and for the years ended December 31: Carrying Value 90 Days Past Due and Still Accruing (a) Net Charge-Offs (Recoveries) ($ in millions) 2024 2023 2024 2023 2024 2023 Commercial and industrial loans $ 52,286 53,311 5 8 242 155 Commercial mortgage loans 12,268 11,276 — — — (2) Commercial construction loans 5,617 5,621 — — — 1 Commercial leases 3,188 2,582 1 — 2 (1) Residential mortgage loans 18,117 17,360 6 7 (2) — Home equity 4,188 3,916 — — (1) 1 Indirect secured consumer loans 16,313 14,965 — — 90 72 Credit card 1,734 1,865 20 21 68 64 Solar energy installation loans 4,202 3,728 — — 56 26 Other consumer loans 2,518 2,988 — — 77 72 Total loans and leases $ 120,431 117,612 32 36 532 388 Less: Loans and leases held for sale 640 378 Total portfolio loans and leases $ 119,791 117,234 (a) Excludes government guaranteed residential mortgage loans. The following table presents the components of the net investment in portfolio leases as of December 31: ($ in millions) (a) 2024 2023 Net investment in direct financing leases: Lease payment receivable (present value) $ 631 556 Unguaranteed residual assets (present value) 121 105 Net investment in sales-type leases: Lease payment receivable (present value) 2,102 1,585 Unguaranteed residual assets (present value) 86 84 (a) Excludes $248 and $249 of leveraged leases at December 31, 2024 and 2023, respectively. Interest income The following table presents undiscounted cash flows for both direct financing and sales-type portfolio leases for 2025 through 2029 and thereafter as well as a reconciliation of the undiscounted cash flows to the total lease receivables as follows: As of December 31, 2024 ($ in millions) Direct Financing Sales-Type Leases 2025 $ 197 653 2026 169 508 2027 137 438 2028 76 313 2029 53 172 Thereafter 69 229 Total undiscounted cash flows $ 701 2,313 Less: Difference between undiscounted cash flows and discounted cash flows 70 211 Present value of lease payments (recognized as lease receivables) $ 631 2,102 The lease residual value represents the present value of the estimated fair value of the leased equipment at the end of the lease. The Bancorp performs quarterly reviews of residual values associated with its leasing portfolio considering factors such as the subject equipment, structure of the transaction, industry, prior experience with the lessee and other factors that impact the residual value to assess for impairment. The Bancorp maintained an allowance of $16 million and $13 million at December 31, 2024 and 2023, respectively, to cover the losses that are expected to be incurred over the remaining contractual terms of the related leases, including the potential losses related to the lease residual value. Refer to Note 6 for additional information on credit quality and the ALLL.

Credit Quality and the Allowanc

Credit Quality and the Allowance for Loan and Lease Losses	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Credit Quality and the Allowance for Loan and Lease Losses	Credit Quality and the Allowance for Loan and Lease Losses The Bancorp disaggregates ALLL balances and transactions in the ALLL by portfolio segment. Credit quality related disclosures for loans and leases are further disaggregated by class. Allowance for Loan and Lease Losses The following tables summarize transactions in the ALLL by portfolio segment for the years ended December 31: 2024 ($ in millions) Commercial Residential Mortgage Consumer Total Balance, beginning of period $ 1,130 145 1,047 2,322 Losses charged-off (a) (267) (2) (417) (686) Recoveries of losses previously charged-off (a) 23 4 127 154 Provision for (benefit from) loan and lease losses 268 (1) 295 562 Balance, end of period $ 1,154 146 1,052 2,352 (a) The Bancorp recorded $28 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements. 2023 ($ in millions) Commercial Residential Mortgage Consumer Total Balance, beginning of period $ 1,127 245 822 2,194 Impact of adoption of ASU 2022-02 4 (36) (17) (49) Losses charged-off (a) (170) (4) (348) (522) Recoveries of losses previously charged-off (a) 17 4 113 134 Provision for (benefit from) loan and lease losses 152 (64) 477 565 Balance, end of period $ 1,130 145 1,047 2,322 (a) The Bancorp recorded $35 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements. 2022 ($ in millions) Commercial Residential Mortgage Consumer Total Balance, beginning of period $ 1,102 235 555 1,892 Losses charged-off (a) (131) (3) (228) (362) Recoveries of losses previously charged-off (a) 30 5 100 135 Provision for loan and lease losses 126 8 395 529 Balance, end of period $ 1,127 245 822 2,194 (a) The Bancorp recorded $32 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements. The following tables provide a summary of the ALLL and related loans and leases classified by portfolio segment: As of December 31, 2024 ($ in millions) Commercial Residential Mortgage Consumer Total ALLL: (a) Individually evaluated $ 106 — 11 117 Collectively evaluated 1,048 146 1,041 2,235 Total ALLL $ 1,154 146 1,052 2,352 Portfolio loans and leases: (b) Individually evaluated $ 395 131 96 622 Collectively evaluated 72,898 17,304 28,859 119,061 Total portfolio loans and leases $ 73,293 17,435 28,955 119,683 (a) Includes $1 related to commercial leveraged leases at December 31, 2024. (b) Excludes $108 of residential mortgage loans measured at fair value and includes $248 of commercial leveraged leases, net of unearned income, at December 31, 2024. As of December 31, 2023 ($ in millions) Commercial Residential Mortgage Consumer Total ALLL: (a) Individually evaluated $ 90 — 6 96 Collectively evaluated 1,040 145 1,041 2,226 Total ALLL $ 1,130 145 1,047 2,322 Portfolio loans and leases: (b) Individually evaluated $ 281 126 69 476 Collectively evaluated 72,465 16,784 27,393 116,642 Total portfolio loans and leases $ 72,746 16,910 27,462 117,118 (a) Includes $2 related to commercial leveraged leases at December 31, 2023. (b) Excludes $116 of residential mortgage loans measured at fair value and includes $249 of commercial leveraged leases, net of unearned income, at December 31, 2023. CREDIT RISK PROFILE Commercial Portfolio Segment For purposes of monitoring the credit quality and risk characteristics of its commercial portfolio segment, the Bancorp disaggregates the segment into the following classes: commercial and industrial, commercial mortgage owner-occupied, commercial mortgage nonowner-occupied, commercial construction and commercial leases. To facilitate the monitoring of credit quality within the commercial portfolio segment, the Bancorp utilizes the following categories of credit ratings: pass, special mention, substandard, doubtful and loss. The five categories, which are derived from standard regulatory rating definitions, are assigned upon initial approval of credit to borrowers and updated periodically thereafter. Pass ratings, which are assigned to those borrowers that do not have identified potential or well-defined weaknesses and for which there is a high likelihood of orderly repayment, are updated at least annually based on the size and credit characteristics of the borrower. All other categories are updated on a quarterly basis during the month preceding the end of the calendar quarter. The Bancorp assigns a special mention rating to loans and leases that have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may, at some future date, result in the deterioration of the repayment prospects for the loan or lease or the Bancorp’s credit position. The Bancorp assigns a substandard rating to loans and leases that are inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged. Substandard loans and leases have well-defined weaknesses or weaknesses that could jeopardize the orderly repayment of the debt. Loans and leases with this rating also are characterized by the distinct possibility that the Bancorp will sustain some loss if the deficiencies noted are not addressed and corrected. The Bancorp assigns a doubtful rating to loans and leases that have all the attributes of a substandard rating with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The possibility of loss is extremely high, but because of certain important and reasonable specific pending factors that may work to the advantage of and strengthen the credit quality of the loan or lease, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors may include a proposed merger or acquisition, liquidation proceeding, capital injection, perfecting liens on additional collateral or refinancing plans. Loans and leases classified as loss are considered uncollectible and are charged off in the period in which they are determined to be uncollectible. Because loans and leases in this category are fully charged-off, they are not included in the following tables. For loans and leases that are collectively evaluated for an ACL, the Bancorp utilizes models to forecast expected credit losses over a reasonable and supportable forecast period based on the probability of a loan or lease defaulting, the expected balance at the estimated date of default and the expected loss percentage given a default. For the commercial portfolio segment, the estimates for probability of default are primarily based on internal ratings assigned to each commercial borrower on a 13-point scale and historical observations of how those ratings migrate to a default over time in the context of macroeconomic conditions. For loans with available credit, the estimate of the expected balance at the time of default considers expected utilization rates, which are primarily based on macroeconomic conditions and the utilization history of similar borrowers under those economic conditions. The estimates for loss severity are primarily based on collateral type and coverage levels and the susceptibility of those characteristics to changes in macroeconomic conditions. For more information about the Bancorp’s processes for developing these models, estimating credit losses for periods beyond the reasonable and supportable forecast period and for estimating credit losses for individually evaluated loans, refer to Note 1. The Bancorp defines term loans and leases as those having a fixed duration, repayment schedule and defined interest rate. For purposes of disclosing term loans by origination year, the Bancorp generally determines the origination date for loans and leases within the commercial portfolio as the date of the most recent credit decision or extension. Revolving and other loans include loans with revolving privileges and certain complex lending arrangements involving commitments made by the Bancorp under predefined terms, including loans with both revolving and non-revolving components, loans with delayed draw features or loans with interchangeable interest rate and repayment options that extend beyond the time of origination. The following tables present the amortized cost basis of the Bancorp’s commercial portfolio segment, by class and vintage, disaggregated by credit risk rating: As of December 31, 2024 ($ in millions) Term Loans and Leases by Origination Year Revolving 2024 2023 2022 2021 2020 Prior Total Commercial and industrial loans: Pass $ 2,966 1,346 2,445 1,321 371 437 40,185 49,071 Special mention 15 13 22 1 3 9 1,055 1,118 Substandard 67 95 182 74 32 15 1,545 2,010 Doubtful — — 2 — — — 70 72 Total commercial and industrial loans $ 3,048 1,454 2,651 1,396 406 461 42,855 52,271 Commercial mortgage owner-occupied loans: Pass $ 786 790 844 630 315 307 1,829 5,501 Special mention 8 9 23 7 — 3 31 81 Substandard 64 34 24 28 9 43 239 441 Doubtful — — — — — — — — Total commercial mortgage owner-occupied loans $ 858 833 891 665 324 353 2,099 6,023 Commercial mortgage nonowner-occupied loans: Pass $ 710 751 769 170 263 408 2,698 5,769 Special mention 54 — 50 5 — — 150 259 Substandard 38 27 9 — — 2 119 195 Doubtful — — — — — — — — Total commercial mortgage nonowner-occupied loans $ 802 778 828 175 263 410 2,967 6,223 Commercial construction loans: Pass $ 4 21 — 29 — — 4,565 4,619 Special mention — — — — — — 756 756 Substandard — — — — — — 213 213 Doubtful — — — — — — — — Total commercial construction loans $ 4 21 — 29 — — 5,534 5,588 Commercial leases: Pass $ 1,532 335 281 311 137 517 — 3,113 Special mention 4 4 2 3 2 4 — 19 Substandard — 11 12 4 3 26 — 56 Doubtful — — — — — — — — Total commercial leases $ 1,536 350 295 318 142 547 — 3,188 Total commercial loans and leases: Pass $ 5,998 3,243 4,339 2,461 1,086 1,669 49,277 68,073 Special mention 81 26 97 16 5 16 1,992 2,233 Substandard 169 167 227 106 44 86 2,116 2,915 Doubtful — — 2 — — — 70 72 Total commercial loans and leases $ 6,248 3,436 4,665 2,583 1,135 1,771 53,455 73,293 As of December 31, 2023 ($ in millions) Term Loans and Leases by Origination Year Revolving and Other Loans 2023 2022 2021 2020 2019 Prior Total Commercial and industrial loans: Pass $ 2,124 3,434 1,814 580 263 321 40,889 49,425 Special mention 16 100 60 33 6 105 1,756 2,076 Substandard 105 103 28 18 39 73 1,397 1,763 Doubtful — — — — — — 6 6 Total commercial and industrial loans $ 2,245 3,637 1,902 631 308 499 44,048 53,270 Commercial mortgage owner-occupied loans: Pass $ 870 1,078 746 408 219 260 1,279 4,860 Special mention 30 23 18 — 6 — 20 97 Substandard 31 22 11 10 45 10 114 243 Doubtful — — — — — — — — Total commercial mortgage owner-occupied loans $ 931 1,123 775 418 270 270 1,413 5,200 Commercial mortgage nonowner-occupied loans: Pass $ 886 825 261 348 293 243 2,724 5,580 Special mention 111 166 — 2 — 2 81 362 Substandard 81 1 8 — — 2 42 134 Doubtful — — — — — — — — Total commercial mortgage nonowner-occupied loans $ 1,078 992 269 350 293 247 2,847 6,076 Commercial construction loans: Pass $ 171 36 45 41 70 6 4,818 5,187 Special mention — — — — — — 199 199 Substandard 61 — 33 — — — 141 235 Doubtful — — — — — — — — Total commercial construction loans $ 232 36 78 41 70 6 5,158 5,621 Commercial leases: Pass $ 598 386 462 202 145 664 — 2,457 Special mention 1 9 12 3 8 14 — 47 Substandard 20 14 1 5 5 30 — 75 Doubtful — — — — — — — — Total commercial leases $ 619 409 475 210 158 708 — 2,579 Total commercial loans and leases: Pass $ 4,649 5,759 3,328 1,579 990 1,494 49,710 67,509 Special mention 158 298 90 38 20 121 2,056 2,781 Substandard 298 140 81 33 89 115 1,694 2,450 Doubtful — — — — — — 6 6 Total commercial loans and leases $ 5,105 6,197 3,499 1,650 1,099 1,730 53,466 72,746 The following tables summarize the Bancorp’s gross charge-offs within the commercial portfolio segment, by class and vintage during the years ended December 31: 2024 ($ in millions) Term Loans and Leases by Origination Year Revolving and Other Loans 2024 2023 2022 2021 2020 Prior Total Commercial loans and leases: Commercial and industrial loans $ 1 6 17 1 1 — 238 264 Commercial mortgage owner-occupied loans — 1 — — — — — 1 Commercial construction loans — — — — — — — — Commercial leases — — — — — 2 — 2 Total commercial loans and leases $ 1 7 17 1 1 2 238 267 2023 ($ in millions) Term Loans and Leases by Origination Year Revolving and Other Loans 2023 2022 2021 2020 2019 Prior Total Commercial loans and leases: Commercial and industrial loans $ 25 7 12 1 — 11 112 168 Commercial mortgage owner-occupied loans — — — — — — 1 1 Commercial construction loans — — — — — — 1 1 Commercial leases — — — — — — — — Total commercial loans and leases $ 25 7 12 1 — 11 114 170 Age Analysis of Past Due Commercial Loans and Leases The following tables summarize the Bancorp’s amortized cost basis in portfolio commercial loans and leases, by age and class: Current Loans and Leases (a) Past Due Total Loans and Leases 90 Days Past Due and Still Accruing As of December 31, 2024 ($ in millions) 30-89 Days (a) 90 Days or More (a) Total Past Due Commercial loans and leases: Commercial and industrial loans $ 52,098 90 83 173 52,271 5 Commercial mortgage owner-occupied loans 5,980 40 3 43 6,023 — Commercial mortgage nonowner-occupied loans 6,215 6 2 8 6,223 — Commercial construction loans 5,587 1 — 1 5,588 — Commercial leases 3,167 18 3 21 3,188 1 Total portfolio commercial loans and leases $ 73,047 155 91 246 73,293 6 (a) Includes accrual and nonaccrual loans and leases. Current Loans and Leases (a) Past Due Total Loans and Leases 90 Days Past Due and Still Accruing As of December 31, 2023 ($ in millions) 30-89 Days (a) 90 Days or More (a) Total Past Due Commercial loans and leases: Commercial and industrial loans $ 53,107 61 102 163 53,270 8 Commercial mortgage owner-occupied loans 5,196 1 3 4 5,200 — Commercial mortgage nonowner-occupied loans 6,061 14 1 15 6,076 — Commercial construction loans 5,621 — — — 5,621 — Commercial leases 2,562 17 — 17 2,579 — Total portfolio commercial loans and leases $ 72,547 93 106 199 72,746 8 (a) Includes accrual and nonaccrual loans and leases. Residential Mortgage and Consumer Portfolio Segments For purposes of monitoring the credit quality and risk characteristics of its consumer portfolio segment, the Bancorp disaggregates the segment into the following classes: home equity, indirect secured consumer loans, credit card, solar energy installation loans and other consumer loans. The Bancorp’s residential mortgage portfolio segment is also a separate class. The Bancorp considers repayment performance as the best indicator of credit quality for residential mortgage and consumer loans, which includes both the delinquency status and performing versus nonperforming status of the loans. The delinquency status of all residential mortgage and consumer loans and the performing versus nonperforming status are presented in the following tables. For collectively evaluated loans in the consumer and residential mortgage portfolio segments, the Bancorp’s expected credit loss models primarily utilize the borrower’s FICO score and delinquency history in combination with macroeconomic conditions when estimating the probability of default. The estimates for loss severity are primarily based on collateral type and coverage levels and the susceptibility of those characteristics to changes in macroeconomic conditions. The expected balance at the estimated date of default is also especially impactful in the expected credit loss models for portfolio classes which generally have longer terms (such as residential mortgage loans and home equity) and portfolio classes containing a high concentration of loans with revolving privileges (such as home equity). The estimate of the expected balance at the time of default considers expected prepayment and utilization rates where applicable, which are primarily based on macroeconomic conditions and the utilization history of similar borrowers under those economic conditions. Refer to Note 1 for additional information about the Bancorp’s process for developing these models and its process for estimating credit losses for periods beyond the reasonable and supportable forecast period. The following tables present the amortized cost basis of the Bancorp’s residential mortgage and consumer portfolio segments, by class and vintage, disaggregated by both age and performing versus nonperforming status: As of December 31, 2024 ($ in millions) Term Loans by Origination Year Revolving Revolving Loans Converted to Term Loans 2024 2023 2022 2021 2020 Prior Total Residential mortgage loans: Performing: Current (a) $ 1,961 998 2,961 4,606 2,491 4,245 — — 17,262 30-89 days past due 1 3 4 9 4 12 — — 33 90 days or more past due 1 — 1 1 — 2 — — 5 Nonperforming — 2 9 13 8 103 — — 135 Total residential mortgage loans (b) $ 1,963 1,003 2,975 4,629 2,503 4,362 — — 17,435 Home equity: Performing: Current $ 168 67 34 2 4 86 3,660 72 4,093 30-89 days past due — — — — — 1 23 1 25 90 days or more past due — — — — — — — — — Nonperforming — — 1 — — 7 56 6 70 Total home equity $ 168 67 35 2 4 94 3,739 79 4,188 Indirect secured consumer loans: Performing: Current $ 6,773 2,836 3,046 2,371 753 349 — — 16,128 30-89 days past due 19 27 39 27 11 7 — — 130 90 days or more past due — — — — — — — — — Nonperforming 4 10 19 13 5 4 — — 55 Total indirect secured consumer loans $ 6,796 2,873 3,104 2,411 769 360 — — 16,313 Credit card: Performing: Current $ — — — — — — 1,664 — 1,664 30-89 days past due — — — — — — 18 — 18 90 days or more past due — — — — — — 20 — 20 Nonperforming — — — — — — 32 — 32 Total credit card $ — — — — — — 1,734 — 1,734 Solar energy installation loans: Performing: Current $ 894 2,095 1,094 2 — 33 — — 4,118 30-89 days past due 2 11 7 — — — — — 20 90 days or more past due — — — — — — — — — Nonperforming 1 34 28 — — 1 — — 64 Total solar energy installation loans $ 897 2,140 1,129 2 — 34 — — 4,202 Other consumer loans: Performing: Current $ 201 351 507 219 171 142 860 34 2,485 30-89 days past due 1 5 10 3 1 2 1 1 24 90 days or more past due — — — — — — — — — Nonperforming — 2 4 1 — 1 — 1 9 Total other consumer loans $ 202 358 521 223 172 145 861 36 2,518 Total residential mortgage and consumer loans: Performing: Current $ 9,997 6,347 7,642 7,200 3,419 4,855 6,184 106 45,750 30-89 days past due 23 46 60 39 16 22 42 2 250 90 days or more past due 1 — 1 1 — 2 20 — 25 Nonperforming 5 48 61 27 13 116 88 7 365 Total residential mortgage and consumer loans (b) $ 10,026 6,441 7,764 7,267 3,448 4,995 6,334 115 46,390 (a) Information includes advances made pursuant to servicing agreements for GNMA mortgage pools whose repayments are insured by the FHA or guaranteed by the VA. As of December 31, 2024, $90 of these loans were 30-89 days past due and $162 were 90 days or more past due. The Bancorp recognized $1 of losses during the year ended December 31, 2024 due to claim denials and curtailments associated with these insured or guaranteed loans. (b) Excludes $108 of residential mortgage loans measured at fair value at December 31, 2024, including $1 of 30-89 days past due loans, $1 of 90 days or more past due loans and $2 of nonperforming loans. As of December 31, 2023 ($ in millions) Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term Loans 2023 2022 2021 2020 2019 Prior Total Residential mortgage loans: Performing: Current (a) $ 995 3,139 5,001 2,703 943 3,971 — — 16,752 30-89 days past due — 3 6 5 1 14 — — 29 90 days or more past due — 1 1 1 1 3 — — 7 Nonperforming — 6 6 5 4 101 — — 122 Total residential mortgage loans (b) $ 995 3,149 5,014 2,714 949 4,089 — — 16,910 Home equity: Performing: Current $ 84 41 2 6 11 92 3,549 46 3,831 30-89 days past due — — — — — 2 25 1 28 90 days or more past due — — — — — — — — — Nonperforming — — — — — 6 50 1 57 Total home equity $ 84 41 2 6 11 100 3,624 48 3,916 Indirect secured consumer loans: Performing: Current $ 4,126 4,333 3,925 1,527 597 271 — — 14,779 30-89 days past due 22 49 40 19 12 8 — — 150 90 days or more past due — — — — — — — — — Nonperforming 4 11 9 6 3 3 — — 36 Total indirect secured consumer loans $ 4,152 4,393 3,974 1,552 612 282 — — 14,965 Credit card: Performing: Current $ — — — — — — 1,789 — 1,789 30-89 days past due — — — — — — 21 — 21 90 days or more past due — — — — — — 21 — 21 Nonperforming — — — — — — 34 — 34 Total credit card $ — — — — — — 1,865 — 1,865 Solar energy installation loans: Performing: Current $ 2,415 1,192 2 — — 41 — — 3,650 30-89 days past due 12 6 — — — — — — 18 90 days or more past due — — — — — — — — — Nonperforming 29 30 — — — 1 — — 60 Total solar energy installation loans $ 2,456 1,228 2 — — 42 — — 3,728 Other consumer loans: Performing: Current $ 511 703 328 246 101 154 859 41 2,943 30-89 days past due 5 15 4 2 2 2 2 1 33 90 days or more past due — — — — — — — — — Nonperforming 2 6 1 1 1 — — 1 12 Total other consumer loans $ 518 724 333 249 104 156 861 43 2,988 Total residential mortgage and consumer loans: Performing: Current $ 8,131 9,408 9,258 4,482 1,652 4,529 6,197 87 43,744 30-89 days past due 39 73 50 26 15 26 48 2 279 90 days or more past due — 1 1 1 1 3 21 — 28 Nonperforming 35 53 16 12 8 111 84 2 321 Total residential mortgage and consumer loans (b) $ 8,205 9,535 9,325 4,521 1,676 4,669 6,350 91 44,372 (a) Information includes advances made pursuant to servicing agreements for GNMA mortgage pools whose repayments are insured by the FHA or guaranteed by the VA. As of December 31, 2023, $79 of these loans were 30-89 days past due and $141 were 90 days or more past due. The Bancorp recognized $2 of losses during the year ended December 31, 2023 due to claim denials and curtailments associated with these insured or guaranteed loans. (b) Excludes $116 of residential mortgage loans measured at fair value at December 31, 2023, including $1 of 30-89 days past due loans and $2 of nonperforming loans. The following tables summarize the Bancorp’s gross charge-offs within the residential mortgage and consumer portfolio segments, by class and vintage during the years ended December 31: 2024 ($ in millions) Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term Loans 2024 2023 2022 2021 2020 Prior Total Residential mortgage loans $ — — — — — 2 — — 2 Consumer loans: Home equity — — — — — 1 5 — 6 Indirect secured consumer loans 7 35 53 25 9 10 — — 139 Credit card — — — — — — 87 — 87 Solar energy installation loans 2 16 13 — 14 18 — — 63 Other consumer loans 1 12 24 12 20 16 34 3 122 Total residential mortgage and consumer loans $ 10 63 90 37 43 47 126 3 419 2023 ($ in millions) Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term Loans 2023 2022 2021 2020 2019 Prior Total Residential mortgage loans $ — — — — — 4 — — 4 Consumer loans: Home equity — — — — — 1 7 — 8 Indirect secured consumer loans 9 42 27 14 10 8 — — 110 Credit card — — — — — — 82 — 82 Solar energy installation loans 8 16 1 — — 2 — — 27 Other consumer loans 7 37 14 12 7 8 34 2 121 Total residential mortgage and consumer loans $ 24 95 42 26 17 23 123 2 352 Collateral-Dependent Loans and Leases The Bancorp considers a loan or lease to be collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. When a loan or lease is collateral-dependent, its fair value is generally based on the fair value less cost to sell of the underlying collateral. The following table presents the amortized cost basis of the Bancorp’s collateral-dependent loans and leases, by portfolio class, as of: ($ in millions) December 31, December 31, Commercial loans and leases: Commercial and industrial loans $ 325 268 Commercial mortgage owner-occupied loans 63 8 Commercial mortgage nonowner-occupied loans 4 2 Commercial construction loans 1 1 Commercial leases 2 — Total commercial loans and leases $ 395 279 Residential mortgage loans 131 126 Consumer loans: Home equity 66 54 Indirect secured consumer loans 30 15 Total consumer loans $ 96 69 Total portfolio loans and leases $ 622 474 Nonperforming Assets Nonperforming assets include nonaccrual loans and leases for which ultimate collectability of the full amount of the principal and/or interest is uncertain and certain other assets, including OREO and other repossessed property. The following table presents the amortized cost basis of the Bancorp’s nonaccrual loans and leases, by class, and OREO and other repossessed property, as of: December 31, 2024 December 31, 2023 ($ in millions) With an ALLL No Related Total With an ALLL No Related Total Commercial loans and leases: Commercial and industrial loans $ 265 109 374 273 31 304 Commercial mortgage owner-occupied loans 52 23 75 11 6 17 Commercial mortgage nonowner-occupied loans — 4 4 — 3 3 Commercial construction loans — 1 1 — 1 1 Commercial leases 2 — 2 — 1 1 Total nonaccrual portfolio commercial loans and leases $ 319 137 456 284 42 326 Residential mortgage loans 57 80 137 26 98 124 Consumer loans: Home equity 21 49 70 21 36 57 Indirect secured consumer loans 48 7 55 32 4 36 Credit card 32 — 32 34 — 34 Solar energy installation loans 64 — 64 60 — 60 Other consumer loans 9 — 9 12 — 12 Total nonaccrual portfolio consumer loans $ 174 56 230 159 40 199 Total nonaccrual portfolio loans and leases (a)(b) $ 550 273 823 469 180 649 OREO and other repossessed property — 30 30 — 39 39 Total nonperforming portfolio assets (a)(b) $ 550 303 853 469 219 688 (a) Excludes $7 and $1 of nonaccrual loans held for sale as of December 31, 2024 and 2023, respectively. (b) Includes $18 and $19 of nonaccrual government-insured commercial loans whose repayments are insured by the SBA as of December 31, 2024 and 2023, respectively. The Bancorp recognized an immaterial amount of interest income on nonaccrual loans and leases for both the years ended December 31, 2024 and 2023. The Bancorp’s amortized cost basis of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process according to local requirements of the applicable jurisdiction was $94 million and $107 million as of December 31, 2024 and 2023, respectively. Modifications to Borrowers Experiencing Financial Difficulty In the course of servicing its loans, the Bancorp works with borrowers who are experiencing financial difficulty to identify solutions that are mutually beneficial to both parties with the objective of mitigating the risk of losses on the loan. These efforts often result in modifications to the payment terms of the loan. The types of modifications offered to borrowers vary by type of loan and may include term extensions, interest rate reductions, payment delays (other than those that are insignificant) or combinations thereof. The Bancorp typically does not provide principal forgiveness except in circumstances where the loan has already been fully or partially charged off. The Bancorp applies its expected credit loss models consistently to both modified and non-modified loans when estimating the ALLL. For loans which are modified for borrowers experiencing financial difficulty, there is generally not a significant change to the ALLL upon modification because the Bancorp’s ALLL estimation methodologies already consider those borrowers’ financial difficulties and the resulting effects of potential modifications when estimating expected credit losses. Portfolio loans with an amortized cost basis of $552 million and $615 million were modified during the years ended December 31, 2024 and 2023, respectively, for borrowers experiencing financial difficulty, as further discussed in the following sections. These modifications for the years ended December 31, 2024 and 2023 represented 0.46% and 0.52%, respectively, of total portfolio loans and leases as of December 31, 2024 and 2023. These amounts excluded $52 million and $29 million for the years ended December 31, 2024 and 2023, respectively, of consumer and residential mortgage loans which have been granted a concession under provisions of the Federal Bankruptcy Act and are monitored separately from loans modified under the Bancorp’s loan modification programs. As of December 31, 2024 and 2023, the Bancorp had commitments of $88 million and $130 million, respectively, to lend additional funds to borrowers experiencing financial difficulty whose terms have been modified during the years ended December 31, 2024 and 2023, respectively. Commercial portfolio segment Commercial loan modifications are individually negotiated and may vary depending on the borrower’s financial situation, but the Bancorp most commonly utilizes term extensions for periods of three The following tables present the amortized cost basis as of December 31, 2024 and 2023, respectively, of the Bancorp’s commercial portfolio loans that were modified for borrowers experiencing financial difficulty, by portfolio class and type of modification, during the years ended: December 31, 2024 ($ in millions) Term Extension Term Extension and Payment Delay Payment Delay Other Total % of Total Class Commercial and industrial loans $ 155 19 57 1 232 0.44 % Commercial mortgage owner-occupied loans 46 14 1 — 61 1.01 Commercial mortgage nonowner-occupied loans 72 — — — 72 1.16 Commercial construction loans 58 — — 1 59 1.06 Total commercial portfolio loans $ 331 33 58 2 424 0.60 % December 31, 2023 ($ in millions) Term Extension Term Extension and Payment Delay Payment Delay Other Total % of Total Class Commercial and industrial loans $ 155 31 56 3 245 0.46 % Commercial mortgage owner-occupied loans 27 — — — 27 0.52 Commercial mortgage nonowner-occupied loans 66 — — 2 68 1.12 Commercial construction loans 113 — — — 113 2.01 Total commercial portfolio loans $ 361 31 56 5 453 0.62 % Residential mortgage portfolio segment The Bancorp has established residential mortgage loan modification programs which define the type of modifications available as well as the eligibility criteria for borrowers. The designs of the Bancorp’s modification programs for residential mortgage loans are similar to those utilized by the various GSEs. The most common modification program utilized for residential mortgage loans is a term extension for up to 480 months from the modification date, combined with a change in interest rate to a fixed rate (which may be an increase or decrease from the rate in the original loan). As part of these modifications, the Bancorp may capitalize delinquent amounts due at the time of the modification into the principal balance of the loan when determining its modified payment structure. For loans where the modification results in a new monthly payment amount, borrowers may be required to complete a trial period of three six The following table presents the amortized cost basis as of December 31, 2024 and 2023 of the Bancorp’s residential mortgage portfolio loans that were modified for borrowers experiencing financial difficulty, by type of modification, during the years ended: December 31, 2024 December 31, 2023 ($ in millions) Total % of Total Class Total % of Total Class Payment delay $ 5 0.03 % $ 18 0.11 % Term extension and payment delay 72 0.41 91 0.53 Term extension, interest rate reduction and payment delay 12 0.07 4 0.02 Total residential mortgage portfolio loans $ 89 0.51 % $ 113 0.66 % The Bancorp had $5 million and $3 million of in-process modifications to residential mortgage loans outstanding as of December 31, 2024 and 2023, respectively, which are excluded from the completed modification activity in the tables above. These in-process modifications will be reported as completed modifications once the borrower satisfies the applicable contingencies in the modification agreement and the loan is contractually modified to make the modified terms permanent. Consumer portfolio segment The Bancorp’s modification programs for consumer loans vary based on type of loan. The most common modification program for home equity is a term extension for up to 360 months combined with a delay in repayment of delinquent amounts due until maturity, which is typically combined with an interest rate reduction. Modification programs for credit card typically involve an

Bank Premises and Equipment

Bank Premises and Equipment	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Bank Premises and Equipment	Bank Premises and Equipment The following table provides a summary of bank premises and equipment as of December 31: ($ in millions) Estimated Useful Life 2024 2023 Equipment 1 - 20 years $ 2,769 2,578 Buildings (a) 1 - 30 years 1,784 1,742 Leasehold improvements 1 - 30 years 760 685 Land and improvements (a) 623 618 Construction in progress (a) 199 180 Bank premises and equipment held for sale: (b) Land and improvements 10 15 Buildings 4 4 Accumulated depreciation and amortization (3,674) (3,473) Total bank premises and equipment $ 2,475 2,349 (a) At December 31, 2024 and 2023, land and improvements, buildings and construction in progress included $1 and $9, respectively, associated with parcels of undeveloped land intended for future branch expansion. (b) Included within the assets of General Corporate & Other in the Bancorp’s segment reporting. Depreciation and amortization expense related to bank premises and equipment, including amortization of finance lease ROU assets, was $306 million, $292 million and $273 million for the years ended December 31, 2024, 2023 and 2022, respectively. The Bancorp monitors changing customer preferences associated with the channels it uses for banking transactions to evaluate the efficiency, competitiveness and quality of the customer service experience in its consumer distribution network. As part of this ongoing assessment, the Bancorp may determine that it is no longer fully committed to maintaining full-service banking centers at certain locations. Similarly, the Bancorp may also determine that it is no longer fully committed to building banking centers on certain parcels of land which had previously been held for future branch expansion. The Bancorp closed a total of 32 banking centers throughout its footprint during the year ended December 31, 2024. The Bancorp performs assessments of the recoverability of long-lived assets when events or changes in circumstances indicate that their carrying values may not be recoverable. Impairment losses associated with such assessments and lower of cost or market adjustments were $1 million, $2 million and $9 million for the years ended December 31, 2024, 2023 and 2022, respectively. For the year ended December 31, 2023, the Bancorp also recognized $8 million of impairment losses in conjunction with transferring certain parcels of land to OREO. The recognized impairment losses were recorded in other noninterest income in the Consolidated Statements of Income.

Operating Lease Equipment

Operating Lease Equipment	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Operating Lease Equipment	Operating Lease Equipment Operating lease equipment was $319 million and $459 million at December 31, 2024 and 2023, respectively, net of accumulated depreciation of $333 million and $355 million at December 31, 2024 and 2023, respectively. The Bancorp recorded lease income of $100 million, $135 million and $146 million relating to lease payments for operating leases in commercial banking revenue The Bancorp performs assessments of the recoverability of long-lived assets when events or changes in circumstances indicate that their carrying values may not be recoverable. As a result of these recoverability assessments, the Bancorp recognized impairment losses associated with operating lease assets of an immaterial amount for the years ended December 31, 2024 and 2023 and $2 million for the year ended December 31, 2022. The recognized impairment losses were recorded in commercial banking revenue in the Consolidated Statements of Income. The following table presents future lease payments receivable from operating leases for 2025 through 2029 and thereafter: As of December 31, 2024 ($ in millions) Undiscounted 2025 $ 73 2026 47 2027 25 2028 11 2029 6 Thereafter 9 Total operating lease payments $ 171

Lease Obligations - Lessee

Lease Obligations - Lessee	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Lease Obligations, Lessee	Lease Obligations - Lessee The Bancorp leases certain banking centers, ATM sites, land for owned buildings and equipment. The Bancorp’s lease agreements typically do not contain any residual value guarantees or any material restrictive covenants. The following table provides a summary of lease assets and lease liabilities as of December 31: ($ in millions) Consolidated Balance Sheets Caption 2024 2023 Assets Operating lease ROU assets Other assets $ 526 511 Finance lease ROU assets Bank premises and equipment 146 126 Total ROU assets (a) $ 672 637 Liabilities Operating lease liabilities Accrued taxes, interest and expenses $ 606 601 Finance lease liabilities Long-term debt 161 134 Total lease liabilities $ 767 735 (a) Operating and finance lease ROU assets are recorded net of accumulated amortization of $328 and $54, respectively, as of December 31, 2024, and $292 and $77, respectively, as of December 31, 2023. The following table presents the components of lease costs for the years ended December 31: ($ in millions) Consolidated Statements of Income Caption 2024 2023 2022 Lease costs: Amortization of ROU assets Net occupancy and equipment expense $ 21 19 19 Interest on lease liabilities Interest on long-term debt 6 5 5 Total finance lease costs $ 27 24 24 Operating lease cost Net occupancy expense $ 89 87 84 Short-term lease cost Net occupancy expense 1 2 1 Variable lease cost Net occupancy expense 30 29 28 Sublease income Net occupancy expense (3) (2) (3) Total operating lease costs $ 117 116 110 Total lease costs $ 144 140 134 The Bancorp performs impairment assessments for ROU assets when events or changes in circumstances indicate that their carrying values may not be recoverable. In addition to the lease costs disclosed in the table above, the Bancorp recognized $1 million, $2 million and $2 million of impairment losses and termination charges for the ROU assets related to certain operating leases for the years ended December 31, 2024, 2023 and 2022, respectively. The recognized losses were recorded in net occupancy expense in the Consolidated Statements of Income. The following table presents undiscounted cash flows for both operating leases and finance leases for 2025 through 2029 and thereafter as well as a reconciliation of the undiscounted cash flows to the total lease liabilities: As of December 31, 2024 ($ in millions) Operating Finance Total 2025 $ 92 22 114 2026 86 22 108 2027 78 21 99 2028 70 21 91 2029 60 11 71 Thereafter 397 104 501 Total undiscounted cash flows $ 783 201 984 Less: Difference between undiscounted cash flows and discounted cash flows 177 40 217 Present value of lease liabilities $ 606 161 767 The following table presents the weighted-average remaining lease term and weighted-average discount rate as of December 31: 2024 2023 Weighted-average remaining lease term (years): Operating leases 11.57 11.07 Finance leases 12.66 15.21 Weighted-average discount rate: Operating leases 4.08 % 3.72 Finance leases 3.80 3.02 The following table presents information related to lease transactions for the years ended December 31: ($ in millions) 2024 2023 2022 Cash paid for amounts included in the measurement of lease liabilities: (a) Operating cash flows from operating leases $ 95 91 90 Operating cash flows from finance leases 6 5 5 Financing cash flows from finance leases 18 16 23 Gains on sale-leaseback transactions — 2 4 (a) The cash flows related to short-term and variable lease payments are not included in the amounts presented as they were not included in the measurement of lease liabilities.
Lease Obligations, Lessee	Lease Obligations - Lessee The Bancorp leases certain banking centers, ATM sites, land for owned buildings and equipment. The Bancorp’s lease agreements typically do not contain any residual value guarantees or any material restrictive covenants. The following table provides a summary of lease assets and lease liabilities as of December 31: ($ in millions) Consolidated Balance Sheets Caption 2024 2023 Assets Operating lease ROU assets Other assets $ 526 511 Finance lease ROU assets Bank premises and equipment 146 126 Total ROU assets (a) $ 672 637 Liabilities Operating lease liabilities Accrued taxes, interest and expenses $ 606 601 Finance lease liabilities Long-term debt 161 134 Total lease liabilities $ 767 735 (a) Operating and finance lease ROU assets are recorded net of accumulated amortization of $328 and $54, respectively, as of December 31, 2024, and $292 and $77, respectively, as of December 31, 2023. The following table presents the components of lease costs for the years ended December 31: ($ in millions) Consolidated Statements of Income Caption 2024 2023 2022 Lease costs: Amortization of ROU assets Net occupancy and equipment expense $ 21 19 19 Interest on lease liabilities Interest on long-term debt 6 5 5 Total finance lease costs $ 27 24 24 Operating lease cost Net occupancy expense $ 89 87 84 Short-term lease cost Net occupancy expense 1 2 1 Variable lease cost Net occupancy expense 30 29 28 Sublease income Net occupancy expense (3) (2) (3) Total operating lease costs $ 117 116 110 Total lease costs $ 144 140 134 The Bancorp performs impairment assessments for ROU assets when events or changes in circumstances indicate that their carrying values may not be recoverable. In addition to the lease costs disclosed in the table above, the Bancorp recognized $1 million, $2 million and $2 million of impairment losses and termination charges for the ROU assets related to certain operating leases for the years ended December 31, 2024, 2023 and 2022, respectively. The recognized losses were recorded in net occupancy expense in the Consolidated Statements of Income. The following table presents undiscounted cash flows for both operating leases and finance leases for 2025 through 2029 and thereafter as well as a reconciliation of the undiscounted cash flows to the total lease liabilities: As of December 31, 2024 ($ in millions) Operating Finance Total 2025 $ 92 22 114 2026 86 22 108 2027 78 21 99 2028 70 21 91 2029 60 11 71 Thereafter 397 104 501 Total undiscounted cash flows $ 783 201 984 Less: Difference between undiscounted cash flows and discounted cash flows 177 40 217 Present value of lease liabilities $ 606 161 767 The following table presents the weighted-average remaining lease term and weighted-average discount rate as of December 31: 2024 2023 Weighted-average remaining lease term (years): Operating leases 11.57 11.07 Finance leases 12.66 15.21 Weighted-average discount rate: Operating leases 4.08 % 3.72 Finance leases 3.80 3.02 The following table presents information related to lease transactions for the years ended December 31: ($ in millions) 2024 2023 2022 Cash paid for amounts included in the measurement of lease liabilities: (a) Operating cash flows from operating leases $ 95 91 90 Operating cash flows from finance leases 6 5 5 Financing cash flows from finance leases 18 16 23 Gains on sale-leaseback transactions — 2 4 (a) The cash flows related to short-term and variable lease payments are not included in the amounts presented as they were not included in the measurement of lease liabilities.

Goodwill

Goodwill	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	Goodwill Business combinations entered into by the Bancorp typically result in the recognition of goodwill. Acquisition activity includes acquisitions in the respective period in addition to purchase accounting adjustments related to previous acquisitions. The Bancorp completed its annual goodwill impairment test as of September 30, 2024 by performing a qualitative assessment of goodwill at the reporting unit level to determine whether any indicators of impairment existed. In performing this qualitative assessment, the Bancorp evaluated events and circumstances since the last impairment analysis, macroeconomic conditions, banking industry and market conditions and key financial metrics of the Bancorp as well as reporting unit and overall Bancorp financial performance. After assessing the totality of the events and circumstances, the Bancorp determined that it was not more likely than not that the fair values of the Commercial Banking, Consumer and Small Business Banking and Wealth and Asset Management reporting units were less than their respective carrying amounts and, therefore, the quantitative goodwill impairment test was deemed unnecessary. As further discussed in Note 1, the Bancorp completed an additional goodwill impairment test as of October 1, 2024 to align with the annual testing date that will be used in future periods. This additional test followed the same methodology as the previously described September 30, 2024 test. This test as of October 1, 2024 also concluded that it was not more likely than not that the fair values of the Bancorp’s reporting units were less than their respective carrying amounts. Changes in the net carrying amount of goodwill, by reporting unit, for the years ended December 31, 2024 and 2023 were as follows: ($ in millions) Commercial Consumer and Small Business Banking Wealth and Asset General Corporate and Other Total Goodwill $ 3,074 2,580 226 — 5,880 Accumulated impairment losses (750) (215) — — (965) Net carrying value as of December 31, 2022 2,324 2,365 226 — 4,915 Acquisition activity — 4 — — 4 Net carrying value as of December 31, 2023 2,324 2,369 226 — 4,919 Sale of business — — (1) — (1) Net carrying value as of December 31, 2024 $ 2,324 2,369 225 — 4,918

Intangible Assets

Intangible Assets	12 Months Ended
	Dec. 31, 2024
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Intangible Assets	Intangible Assets Intangible assets consist of core deposit intangibles, developed technology, customer relationships, and other intangible assets which include trade names, backlog, operating leases and non-compete agreements. Intangible assets are amortized on either a straight-line or an accelerated basis over their estimated useful lives and, based on the type of intangible asset, the amortization expense may be recorded in either commercial banking revenue or other noninterest expense in the Consolidated Statements of Income. The details of the Bancorp’s intangible assets are shown in the following table: ($ in millions) Gross Carrying Amount Accumulated Net Carrying As of December 31, 2024 Core deposit intangibles $ 206 (196) 10 Developed technology 106 (50) 56 Customer relationships 28 (9) 19 Other 13 (8) 5 Total intangible assets $ 353 (263) 90 As of December 31, 2023 Core deposit intangibles $ 209 (184) 25 Developed technology 106 (33) 73 Customer relationships 30 (10) 20 Other 16 (9) 7 Total intangible assets $ 361 (236) 125 As of December 31, 2024, all of the Bancorp’s intangible assets were being amortized. Amortization expense recognized on intangible assets was $35 million, $43 million and $48 million for the years ended December 31, 2024, 2023 and 2022, respectively. The Bancorp’s projections of amortization expense shown in the following table are based on existing asset balances as of December 31, 2024. Future amortization expense may vary from these projections. Estimated amortization expense for 2025 through 2029 is as follows: ($ in millions) Total 2025 $ 28 2026 22 2027 14 2028 9 2029 6

Variable Interest Entities

Variable Interest Entities	12 Months Ended
	Dec. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Variable Interest Entities	Variable Interest Entities The Bancorp, in the normal course of business, engages in a variety of activities that involve VIEs, which are legal entities that lack sufficient equity at risk to finance their activities without additional subordinated financial support or the equity investors of the entities as a group lack any of the characteristics of a controlling interest. The Bancorp evaluates its interest in certain entities to determine if these entities meet the definition of a VIE and whether the Bancorp is the primary beneficiary and should consolidate the entity based on the variable interests it held both at inception and when there is a change in circumstances that requires a reconsideration. If the Bancorp is determined to be the primary beneficiary of a VIE, it must account for the VIE as a consolidated subsidiary. If the Bancorp is determined not to be the primary beneficiary of a VIE but holds a variable interest in the entity, such variable interests are accounted for under the equity method of accounting or other accounting standards as appropriate. Consolidated VIEs The Bancorp has consolidated VIEs related to an automobile loan securitization and a solar loan securitization where it has determined that it is the primary beneficiary. The following table provides a summary of assets and liabilities recorded on the Consolidated Balance Sheets for these consolidated VIEs as of: ($ in millions) December 31, December 31, Assets: Other short-term investments $ 51 55 Indirect secured consumer loans 967 1,535 Solar energy installation loans 33 38 ALLL (19) (28) Other assets 5 10 Total assets $ 1,037 1,610 Liabilities: Other liabilities $ 12 14 Long-term debt 889 1,409 Total liabilities $ 901 1,423 In a securitization transaction that occurred in August of 2023, the Bancorp transferred $1.74 billion in aggregate automobile loans to a bankruptcy remote trust which was deemed to be a VIE. This trust then issued approximately $1.58 billion of asset-backed notes, of which approximately $79 million were retained by the Bancorp. Additionally, as a result of a previous business acquisition, the Bancorp acquired interests in a completed securitization transaction in which solar energy installation loans were transferred to a bankruptcy remote trust which was deemed to be a VIE. Refer to Note 17 for more information. In each of these securitization transactions, the primary purposes of the VIEs were to issue asset-backed securities with varying levels of credit subordination and payment priority, as well as residual interests, and to provide access to liquidity for originated loans. The Bancorp retained residual interests in the VIEs and, therefore, has an obligation to absorb losses and a right to receive benefits from the VIEs that could potentially be significant to the VIEs. In addition, the Bancorp retained servicing rights for the underlying loans and, therefore, holds the power to direct the activities of the VIEs that most significantly impact the economic performance of the VIEs. As a result, the Bancorp concluded that it is the primary beneficiary of the VIEs and has consolidated these VIEs. The assets of the VIEs are restricted to the settlement of the asset-backed securities and other obligations of the VIEs. The third-party holders of the asset-backed notes do not have recourse to the general assets of the Bancorp. The economic performance of the VIEs is most significantly impacted by the performance of the underlying loans. The principal risks to which the VIEs are exposed include credit risk and prepayment risk. The credit and prepayment risks are managed through credit enhancements in the form of reserve accounts, over-collateralization, excess interest on the loans and the subordination of certain classes of asset-backed securities to other classes. Non-consolidated VIEs The following tables provide a summary of assets and liabilities carried on the Consolidated Balance Sheets related to non-consolidated VIEs for which the Bancorp holds an interest, but is not the primary beneficiary of the VIE, as well as the Bancorp’s maximum exposure to losses associated with its interests in the entities as of: December 31, 2024 ($ in millions) Total Assets Total Liabilities Maximum Exposure CDC investments $ 2,179 741 2,224 Private equity investments 268 — 487 Loans provided to VIEs 4,711 — 7,529 Lease pool entities 30 — 30 Solar loan securitizations 8 — 8 December 31, 2023 ($ in millions) Total Assets Total Liabilities Maximum Exposure CDC investments $ 2,007 690 2,054 Private equity investments 230 — 400 Loans provided to VIEs 4,274 — 6,395 Lease pool entities 42 — 42 Solar loan securitizations 9 — 9 CDC investments CDC invests in projects to create affordable housing and revitalize business and residential areas. CDC generally co-invests with other unrelated companies and/or individuals and typically makes investments in a separate legal entity that owns the property under development. The entities are usually formed as limited partnerships and LLCs and CDC typically invests as a limited partner/investor member in the form of equity contributions. The economic performance of the VIEs is driven by the performance of their underlying investment projects as well as the VIEs’ ability to operate in compliance with the rules and regulations necessary for the qualification of tax credits generated by equity investments. The Bancorp has determined that it is not the primary beneficiary of these VIEs because it lacks the power to direct the activities that most significantly impact the economic performance of the underlying project or the VIEs’ ability to operate in compliance with the rules and regulations necessary for the qualification of tax credits generated by equity investments. This power is held by the managing members who exercise full and exclusive control of the operations of the VIEs. For information regarding the Bancorp’s accounting for these investments, refer to Note 1. The Bancorp’s funding requirements are limited to its invested capital and any additional unfunded commitments for future equity contributions. The Bancorp’s maximum exposure to loss as a result of its involvement with the VIEs is limited to the carrying amounts of the investments, including the unfunded commitments. The carrying amounts of these investments, which are included in other assets in the Consolidated Balance Sheets, and the liabilities related to the unfunded commitments, which are included in other liabilities in the Consolidated Balance Sheets, are included in the previous tables for all periods presented. Certain CDC investments include undrawn liquidity and lending commitments which are included in the maximum exposure amount but not included in the Consolidated Balance Sheets. The Bancorp has no other liquidity arrangements or obligations to purchase assets of the VIEs that would expose the Bancorp to a loss. In certain arrangements, the general partner/managing member of the VIE has guaranteed a level of projected tax credits to be received by the limited partners/investor members, thereby minimizing a portion of the Bancorp’s risk. The Bancorp utilizes the proportional amortization method to account for its qualifying investments in projects that are related to certain income tax credit programs. Effective with the adoption of ASU 2023-02 on January 1, 2024, these tax credit programs include the LIHTC program established under Section 42 of the IRC, the New Markets Tax Credit program established under Section 45D of the IRC and the Rehabilitation Investment Tax Credit program established under Section 47 of the IRC. Prior to the adoption of ASU 2023-02 on January 1, 2024, the Bancorp utilized the proportional amortization method for its LIHTC investments but other tax credit program investments were accounted for under the equity method. At December 31, 2024 and 2023, the Bancorp’s CDC investments included $2.0 billion and $1.6 billion, respectively, of tax credit program investments accounted for under the proportional amortization method. The unfunded commitments related to these investments were $741 million and $684 million at December 31, 2024 and 2023, respectively. The unfunded commitments as of December 31, 2024 are expected to be funded from 2025 to 2041. The following table summarizes the impacts to the Consolidated Statements of Income related to the Bancorp’s tax credit program investments for the years ended December 31: ($ in millions) Consolidated Statements of Income Caption (a) 2024 2023 2022 Proportional amortization Applicable income tax expense $ 200 200 189 Tax credits and other benefits (b) Applicable income tax expense (248) (230) (219) Changes in carrying amounts of equity method investments (c) Other noninterest expense 8 — — (a) The Bancorp did not recognize impairment losses resulting from the forfeiture or ineligibility of tax credits or other circumstances during the years ended December 31, 2024, 2023 and 2022. (b) The related cash flows are classified as operating activities (c) These amounts pertain to tax credit program investments which were accounted for under the equity method as they did not meet the qualification criteria for the proportional amortization method, effective with the adoption of ASU 2023-02. Private equity investments The Bancorp invests as a limited partner in private equity investment funds which provide the Bancorp an opportunity to obtain higher rates of return on invested capital, while also providing strategic opportunities in certain cases. Each of the limited partnerships has an unrelated third-party general partner responsible for appointing the fund manager. The Bancorp has not been appointed fund manager for any of these private equity investments. The funds finance primarily all of their activities from the partners’ capital contributions and investment returns. The Bancorp has determined that it is not the primary beneficiary of the funds because it does not have the obligation to absorb the funds’ expected losses or the right to receive the funds’ expected residual returns that could potentially be significant to the funds and lacks the power to direct the activities that most significantly impact the economic performance of the funds. The Bancorp, as a limited partner, does not have substantive participating or substantive kick-out rights over the general partner. Therefore, the Bancorp accounts for its investments in these limited partnerships under the equity method of accounting. The Bancorp is exposed to losses arising from the negative performance of the underlying investments in the private equity investment funds. As a limited partner, the Bancorp’s maximum exposure to loss is limited to the carrying amounts of the investments plus unfunded commitments. The carrying amounts of these investments, which are included in other assets in the Consolidated Balance Sheets, are presented in previous tables. Also, at December 31, 2024 and 2023, the Bancorp’s unfunded commitment amounts to the private equity funds were $219 million and $170 million, respectively. As part of previous commitments, the Bancorp made capital contributions to private equity investments of $49 million and $47 million during the years ended December 31, 2024 and 2023, respectively. Loans provided to VIEs The Bancorp has provided funding to certain unconsolidated VIEs sponsored by third parties. These VIEs are generally established to finance certain consumer and business loans originated by third parties. The entities are primarily funded through the issuance of a loan from the Bancorp or a syndication through which the Bancorp is involved. The sponsor/administrator of the entities is responsible for servicing the underlying assets in the VIEs. Because the sponsor/administrator, not the Bancorp, holds the servicing responsibilities, which include the establishment and employment of default mitigation policies and procedures, the Bancorp does not hold the power to direct the activities that most significantly impact the economic performance of the entity and, therefore, is not the primary beneficiary. The principal risk to which these entities are exposed is credit risk related to the underlying assets. The Bancorp’s maximum exposure to loss is equal to the carrying amounts of the loans and unfunded commitments to the VIEs. The Bancorp’s outstanding loans to these VIEs are included in commercial loans in Note 5. As of December 31, 2024 and 2023, the Bancorp’s unfunded commitments to these entities were $2.8 billion and $2.1 billion, respectively. The loans and unfunded commitments to these VIEs are included in the Bancorp’s overall analysis of the ALLL and reserve for unfunded commitments, respectively. The Bancorp does not provide any implicit or explicit liquidity guarantees or principal value guarantees to these VIEs. Lease pool entities The Bancorp is a co-investor with other unrelated leasing companies in three LLCs designed for the purpose of purchasing pools of residual interests in leases which have been originated or purchased by the other investing member. For each LLC, the leasing company is the managing member and has full authority over the day-to-day operations of the entity. While the Bancorp holds more than 50% of the equity interests in each LLC, the operating agreements require both members to consent to significant corporate actions, such as liquidating the entity or removing the manager. In addition, the Bancorp has a preference with regards to distributions such that all of the Bancorp’s equity contribution for each pool must be distributed, plus a pre-defined rate of return, before the other member may receive distributions. The leasing company is also entitled to the return of its investment plus a pre-defined rate of return before any residual profits are distributed to the members. The lease pool entities are primarily subject to risk of losses on the lease residuals purchased. The Bancorp’s maximum exposure to loss is equal to the carrying amount of the investments. The Bancorp has determined that it is not the primary beneficiary of these VIEs because it does not have the power to direct the activities that most significantly impact the economic performance of the entities. This power is held by the leasing company, who as managing member controls the servicing of the leases and collection of the proceeds on the residual interests. Solar loan securitizations

Sales of Receivables and Servic

Sales of Receivables and Servicing Rights	12 Months Ended
	Dec. 31, 2024
Transfers and Servicing [Abstract]
Sales of Receivables and Servicing Rights	Sales of Receivables and Servicing Rights Residential Mortgage Loan Sales The Bancorp sold fixed and adjustable-rate residential mortgage loans during the years ended December 31, 2024, 2023 and 2022. In those sales, the Bancorp obtained servicing responsibilities and provided certain standard representations and warranties; however, the investors have no recourse to the Bancorp’s other assets for failure of debtors to pay when due. The Bancorp receives servicing fees based on a percentage of the outstanding balance. The Bancorp identifies classes of servicing assets based on financial asset type and interest rates. Information related to residential mortgage loan sales and the Bancorp’s mortgage banking activity, which is included in mortgage banking net revenue ($ in millions) 2024 2023 2022 Residential mortgage loan sales (a) $ 3,954 4,888 13,307 Origination fees and gains on loan sales 67 79 91 Gross mortgage servicing fees 309 319 310 (a) Represents the unpaid principal balance at the time of the sale. Servicing Rights The Bancorp measures all of its mortgage servicing rights at fair value with changes in fair value reported in mortgage banking net revenue The following table presents changes in the servicing rights related to residential mortgage loans for the years ended December 31: ($ in millions) 2024 2023 Balance, beginning of period $ 1,737 1,746 Servicing rights originated 49 71 Servicing rights purchased — 25 Servicing rights sold (5) — Changes in fair value: Due to changes in inputs or assumptions (a) 74 43 Other changes in fair value (b) (151) (148) Balance, end of period $ 1,704 1,737 (a) Primarily reflects changes in prepayment speed and OAS assumptions which are updated based on market interest rates. (b) Primarily reflects changes due to realized cash flows and the passage of time. The Bancorp maintains a non-qualifying hedging strategy to manage a portion of the risk associated with changes in the value of the MSR portfolio. This strategy may include the purchase of free-standing derivatives and various available-for-sale debt and trading debt securities. The interest income, mark-to-market adjustments and gain or loss from sale activities associated with these portfolios are expected to economically hedge a portion of the change in value of the MSR portfolio caused by fluctuating OAS, earnings rates and prepayment speeds. The fair value of the servicing asset is based on the present value of expected future cash flows. The following table presents activity related to valuations of the MSR portfolio and the impact of the non-qualifying hedging strategy for the years ended December 31: ($ in millions) 2024 2023 2022 Securities (losses) gains, net - non-qualifying hedges on mortgage servicing rights $ — — (2) Changes in fair value and settlement of free-standing derivatives purchased to economically hedge the MSR portfolio (a) (88) (43) (363) MSR fair value adjustment due to changes in inputs or assumptions (a) 74 43 355 (a) Included in mortgage banking net revenue in the Consolidated Statements of Income. The key economic assumptions used in measuring the servicing rights related to residential mortgage loans that continued to be held by the Bancorp at the date of sale, securitization or purchase resulting from transactions completed during the years ended December 31 were as follows: 2024 2023 Weighted- Prepayment OAS Weighted-Average Life Prepayment OAS Fixed-rate 6.6 12.7 % 488 6.6 12.4 % 596 Adjustable-rate — — — 3.0 27.9 774 At December 31, 2024 and 2023, the Bancorp serviced $94.2 billion and $100.8 billion, respectively, of residential mortgage loans for other investors. The value of MSRs that continue to be held by the Bancorp is subject to credit, prepayment and interest rate risks on the sold financial assets. The weighted-average coupon of the MSR portfolio was 3.79% and 3.72% at December 31, 2024 and 2023, respectively. At December 31, 2024, the sensitivity of the current fair value of residual cash flows to immediate 10%, 20% and 50% adverse changes in prepayment speed assumptions and immediate 10% and 20% adverse changes in OAS for servicing rights related to residential mortgage loans are as follows: ($ in millions) (a) Fair Value Weighted- Prepayment Speed Assumption OAS Assumption Impact of Adverse Change OAS Impact of Adverse Rate 10% 20% 50% 10% 20% Fixed-rate $ 1,701 8.6 5.8 % $ (37) (72) (168) 459 $ (35) (69) Adjustable-rate 3 5.1 16.9 — — (1) 731 — — (a) The impact of the weighted-average default rate on the current fair value of residual cash flows for all scenarios is immaterial. These sensitivities are hypothetical and should be used with caution. As the figures indicate, changes in fair value based on these variations in the assumptions typically cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. The Bancorp believes that variations of these levels are reasonably possible; however, there is the potential that adverse changes in key assumptions could be even greater. Also, in the previous table, the effect of a variation in a particular assumption on the fair value of the interests that continue to be held by the Bancorp is calculated without changing any other assumption; in reality, changes in one factor may result in changes in another (for example, increases in market interest rates may result in lower prepayments), which might magnify or counteract these sensitivities.

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments The Bancorp maintains an overall risk management strategy that incorporates the use of derivative instruments to reduce certain risks related to interest rate, prepayment and foreign currency volatility. Additionally, the Bancorp holds derivative instruments for the benefit of its commercial customers and for other business purposes. The Bancorp does not enter into unhedged speculative derivative positions. The Bancorp’s interest rate risk management strategy involves modifying the repricing characteristics of certain financial instruments so that changes in interest rates do not adversely affect the Bancorp’s net interest margin and cash flows. Derivative instruments that the Bancorp may use as part of its interest rate risk management strategy include interest rate swaps, interest rate floors, interest rate caps, forward contracts, forward starting interest rate swaps, options, swaptions and TBA securities. Interest rate swap contracts are exchanges of interest payments, such as fixed-rate payments for floating-rate payments, based on a stated notional amount and maturity date. Interest rate floors protect against declining rates, while interest rate caps protect against rising interest rates. Forward contracts are contracts in which the buyer agrees to purchase, and the seller agrees to make delivery of, a specific financial instrument at a predetermined price or yield. Options provide the purchaser with the right, but not the obligation, to purchase or sell a contracted item during a specified period at an agreed upon price. Swaptions are financial instruments granting the owner the right, but not the obligation, to enter into or cancel a swap. Prepayment volatility arises mostly from changes in fair value of the largely fixed-rate MSR portfolio, mortgage loans and mortgage-backed securities. The Bancorp may enter into various free-standing derivatives (principal-only swaps, interest rate swaptions, interest rate floors, mortgage options, TBA securities and interest rate swaps) to economically hedge prepayment volatility. Principal-only swaps are total return swaps based on changes in the value of the underlying mortgage principal-only trust. TBA securities are a forward purchase agreement for a mortgage-backed securities trade whereby the terms of the security are undefined at the time the trade is made. Foreign currency volatility occurs as the Bancorp enters into certain loans denominated in foreign currencies. Derivative instruments that the Bancorp may use to economically hedge these foreign denominated loans include foreign exchange swaps and forward contracts. The Bancorp also enters into derivative contracts (including foreign exchange contracts, commodity contracts and interest rate contracts) for the benefit of commercial customers and other business purposes. The Bancorp economically hedges significant exposures related to these free-standing derivatives by entering into offsetting third-party contracts with approved, reputable and independent counterparties with substantially matching terms and currencies. Credit risk arises from the possible inability of counterparties to meet the terms of their contracts. The Bancorp’s exposure is limited to the replacement value of the contracts rather than the notional, principal or contract amounts. Credit risk is minimized through credit approvals, limits, counterparty collateral and monitoring procedures. The fair value of derivative instruments is presented on a gross basis, even when the derivative instruments are subject to master netting arrangements. Derivative instruments with a positive fair value are reported in other assets in the Consolidated Balance Sheets while derivative instruments with a negative fair value are reported in other liabilities in the Consolidated Balance Sheets. Cash collateral payables and receivables associated with the derivative instruments are not added to or netted against the fair value amounts with the exception of certain variation margin payments that are considered legal settlements of the derivative contracts. For derivative contracts cleared through certain central clearing parties who have modified their rules to treat variation margin payments as settlements, the variation margin payments are applied to net the fair value of the respective derivative contracts. The Bancorp’s derivative contracts include certain contractual features in which either the Bancorp or the counterparties may be required to provide collateral, typically in the form of cash or securities, as initial margin and to offset changes in the fair value of the derivatives, including changes in the fair value due to credit risk, either of the Bancorp or the counterparty. In measuring the fair value of its derivative contracts, the Bancorp considers its own credit risk, taking into consideration collateral maintenance requirements of certain derivative counterparties and the duration of instruments with counterparties that do not require collateral maintenance. As of December 31, 2024 and 2023, the balance of collateral held by the Bancorp for derivative assets was $947 million and $1.3 billion, respectively. For derivative contracts cleared through certain central clearing parties whose rules treat variation margin payments as settlements of the derivative contract, the payments for variation margin of $403 million and $587 million as of December 31, 2024 and 2023, respectively, were applied to reduce the respective derivative contracts and were also not included in the total amount of collateral held. As of December 31, 2024 and 2023, the credit component negatively impacting the fair value of derivative assets associated with customer accommodation contracts was $4 million and $7 million, respectively. As of both December 31, 2024 and 2023, the balance of collateral posted by the Bancorp, as either initial margin or due to changes in fair value of the related derivative contracts, was $1.1 billion. Additionally, as of December 31, 2024 and 2023, $1.2 billion and $721 million, respectively, of variation margin payments were applied to the respective derivative contracts to reduce the Bancorp’s derivative liabilities and were also not included in the total amount of collateral posted. Certain of the Bancorp’s derivative liabilities contain credit risk-related contingent features that could result in the requirement to post additional collateral upon the occurrence of specified events. As of December 31, 2024 and 2023, the fair value of the additional collateral that could be required to be posted as a result of the credit risk-related contingent features being triggered was immaterial to the Bancorp’s Consolidated Financial Statements. The posting of collateral has been determined to remove the need for further consideration of credit risk. As a result, the Bancorp determined that the impact of the Bancorp’s credit risk to the valuation of its derivative liabilities was immaterial to the Bancorp’s Consolidated Financial Statements. The Bancorp holds certain derivative instruments that qualify for hedge accounting treatment and are designated as either fair value hedges or cash flow hedges. Derivative instruments that do not qualify for hedge accounting treatment, or for which hedge accounting is not established, are held as free-standing derivatives. All customer accommodation derivatives are held as free-standing derivatives. The following tables reflect the notional amounts and fair values for all derivative instruments included in the Consolidated Balance Sheets as of: Fair Value December 31, 2024 ($ in millions) Notional Derivative Derivative Derivatives Designated as Qualifying Hedging Instruments: Fair value hedges: Interest rate swaps related to long-term debt $ 4,955 1 12 Total fair value hedges 1 12 Cash flow hedges: Interest rate swaps related to C&I loans 11,000 2 4 Interest rate swaps related to C&I loans - forward starting (a) 1,000 1 — Interest rate swaps related to commercial mortgage and commercial construction loans - forward starting (a) 4,000 3 — Total cash flow hedges 6 4 Total derivatives designated as qualifying hedging instruments 7 16 Derivatives Not Designated as Qualifying Hedging Instruments: Free-standing derivatives - risk management and other business purposes: Interest rate contracts related to MSR portfolio 3,135 4 4 Forward contracts related to residential mortgage loans measured at fair value (b) 881 8 — Swap associated with the sale of Visa, Inc. Class B Shares 2,465 — 170 Foreign exchange contracts 104 2 — Interest-only strips 30 — — Interest rate contracts for collateral management 1,000 1 — Interest rate contracts for LIBOR transition 597 — — Other 43 — — Total free-standing derivatives - risk management and other business purposes 15 174 Free-standing derivatives - customer accommodation: Interest rate contracts (c) 87,928 708 924 Interest rate lock commitments 264 2 — Commodity contracts 16,889 575 564 TBA securities 44 — — Foreign exchange contracts 38,640 1,165 1,120 Total free-standing derivatives - customer accommodation 2,450 2,608 Total derivatives not designated as qualifying hedging instruments 2,465 2,782 Total $ 2,472 2,798 (a) Forward starting swaps will become effective in January and February 2025. (b) Includes forward sale and forward purchase contracts which are utilized to manage market risk on residential mortgage loans held for sale and the related interest rate lock commitments in addition to certain portfolio residential mortgage loans measured at fair value. (c) Derivative assets and liabilities are presented net of variation margin of $257 and $45, respectively. Fair Value December 31, 2023 ($ in millions) Notional Derivative Derivative Derivatives Designated as Qualifying Hedging Instruments: Fair value hedges: Interest rate swaps related to long-term debt $ 5,955 — 32 Total fair value hedges — 32 Cash flow hedges: Interest rate floors related to C&I loans 3,000 1 — Interest rate swaps related to C&I loans 8,000 2 11 Interest rate swaps related to C&I loans - forward starting (a) 6,000 6 1 Interest rate swaps related to commercial mortgage and commercial construction loans - forward starting (a) 4,000 1 1 Total cash flow hedges 10 13 Total derivatives designated as qualifying hedging instruments 10 45 Derivatives Not Designated as Qualifying Hedging Instruments: Free-standing derivatives - risk management and other business purposes: Interest rate contracts related to MSR portfolio 3,205 81 — Forward contracts related to residential mortgage loans measured at fair value (b) 650 — 5 Swap associated with the sale of Visa, Inc. Class B Shares 4,178 — 168 Foreign exchange contracts 190 — 4 Interest-only strips 39 1 — Interest rate contracts for collateral management 5,000 1 1 Interest rate contracts for LIBOR transition 597 — — Other 30 — — Total free-standing derivatives - risk management and other business purposes 83 178 Free-standing derivatives - customer accommodation: Interest rate contracts (c)(d) 95,079 885 1,162 Interest rate lock commitments 252 5 — Commodity contracts 17,621 1,051 1,018 TBA securities 27 — — Foreign exchange contracts 37,734 643 596 Total free-standing derivatives - customer accommodation 2,584 2,776 Total derivatives not designated as qualifying hedging instruments 2,667 2,954 Total $ 2,677 2,999 (a) Forward starting swaps will become effective on various dates between June 2024 and February 2025. (b) Includes forward sale and forward purchase contracts which are utilized to manage market risk on residential mortgage loans held for sale and the related interest rate lock commitments in addition to certain portfolio residential mortgage loans measured at fair value. (c) Derivative assets and liabilities are presented net of variation margin of $335 and $58, respectively. (d) Includes replacement contracts with a notional amount of approximately $675 million which were the result of certain central clearing parties replacing existing LIBOR-based contracts with multiple separate contracts as part of the LIBOR transition. Fair Value Hedges The Bancorp may enter into interest rate swaps to convert its fixed-rate funding to floating-rate or to hedge the exposure to changes in fair value of a recognized asset attributable to changes in the benchmark interest rate. Decisions to enter into these interest rate swaps are made primarily through consideration of the asset/liability mix of the Bancorp, the desired asset/liability sensitivity and interest rate levels. As of December 31, 2024, certain interest rate swaps met the criteria required to qualify for the shortcut method of accounting that permits the assumption of perfect offset. For all designated fair value hedges of interest rate risk as of December 31, 2024 that were not accounted for under the shortcut method of accounting, the Bancorp performed an assessment of hedge effectiveness using regression analysis with changes in the fair value of the derivative instrument and changes in the fair value of the hedged asset or liability attributable to the hedged risk recorded in the same income statement line in current period net income. The following table reflects the changes in fair value of interest rate contracts, designated as fair value hedges and the changes in fair value of the related hedged items attributable to the risk being hedged, as well as the line items in the Consolidated Statements of Income in which the corresponding gains or losses are recorded: For the years ended December 31 ($ in millions) Consolidated Statements of Income Caption 2024 2023 2022 Long-term debt: Change in fair value of interest rate swaps hedging long-term debt Interest on long-term debt $ (66) 29 (460) Change in fair value of hedged long-term debt attributable to the risk being hedged Interest on long-term debt 65 (26) 460 Available-for-sale debt and other securities: Change in fair value of interest rate swaps hedging available-for-sale debt and other securities Interest on securities — — 8 Change in fair value of hedged available-for-sale debt and other securities attributable to the risk being hedged Interest on securities — — (8) The following amounts were recorded in the Consolidated Balance Sheets related to cumulative basis adjustments for fair value hedges as of December 31: ($ in millions) Consolidated Balance 2024 2023 Long-term debt: Carrying amount of the hedged items Long-term debt $ 4,838 5,899 Cumulative amount of fair value hedging adjustments included in the carrying amount of the hedged items Long-term debt (103) (38) Available-for-sale debt and other securities: Cumulative amount of fair value hedging adjustments remaining for hedged items for which hedge accounting has been discontinued Available-for-sale debt and other securities (9) (11) Cash Flow Hedges The Bancorp may enter into interest rate swaps to convert floating-rate assets and liabilities to fixed rates or to hedge certain forecasted transactions for the variability in cash flows attributable to the contractually specified interest rate. The assets or liabilities may be grouped in circumstances where they share the same risk exposure that the Bancorp desires to hedge. The Bancorp may also enter into interest rate caps and floors to limit cash flow variability of floating-rate assets and liabilities. As of December 31, 2024, all hedges designated as cash flow hedges were assessed for effectiveness using regression analysis. The entire change in the fair value of the interest rate swap included in the assessment of hedge effectiveness is recorded in AOCI and reclassified from AOCI to current period earnings when the hedged item affects earnings. As of December 31, 2024, the maximum length of time over which the Bancorp is hedging its exposure to the variability in future cash flows is 85 months. Reclassified gains and losses on interest rate contracts related to commercial loans are recorded within interest income in the Consolidated Statements of Income. As of December 31, 2024 and 2023, respectively, $654 million and $372 million of net deferred losses, net of tax, on cash flow hedges were recorded in AOCI in the Consolidated Balance Sheets. As of December 31, 2024, $134 million in net unrealized losses, net of tax, recorded in AOCI are expected to be reclassified into earnings during the next 12 months. This amount could differ from amounts actually recognized due to changes in interest rates, hedge de-designations or the addition of other hedges subsequent to December 31, 2024. During both the years ended December 31, 2024 and 2023, there were no gains or losses reclassified from AOCI into earnings associated with the discontinuance of cash flow hedges because it was probable that the original forecasted transaction would no longer occur by the end of the originally specified time period or within the additional period of time as defined by U.S. GAAP. The following table presents the pre-tax net (losses) gains recorded in the Consolidated Statements of Income and in the Consolidated Statements of Comprehensive Income relating to derivative instruments designated as cash flow hedges: For the years ended December 31 ($ in millions) 2024 2023 2022 Amount of pre-tax net losses recognized in OCI $ (724) (171) (1,006) Amount of pre-tax net (losses) gains reclassified from OCI into net income (351) (334) 99 Free-Standing Derivative Instruments – Risk Management and Other Business Purposes As part of its overall risk management strategy relative to its mortgage banking activity, the Bancorp may enter into various free-standing derivatives (principal-only swaps, interest rate swaptions, interest rate floors, mortgage options, TBA securities and interest rate swaps) to economically hedge changes in fair value of its largely fixed-rate MSR portfolio. Principal-only swaps hedge the spread between mortgage rates and benchmark rates because these swaps appreciate in value as a result of tightening spreads. Principal-only swaps also provide prepayment protection by increasing in value when prepayment speeds increase, as opposed to MSRs that lose value in a faster prepayment environment. Receive-fixed/pay-floating interest rate swaps and swaptions increase in value when interest rates do not increase as quickly as expected. The Bancorp enters into forward contracts and mortgage options to economically hedge the changes in fair value of certain residential mortgage loans held for sale and certain residential mortgage portfolio loans measured at fair value which are due to changes in interest rates. These contracts generally settle within one year or less. IRLCs issued on residential mortgage loan commitments that will be held for sale are also considered free-standing derivative instruments and the interest rate exposure on these commitments is economically hedged primarily with forward contracts. Revaluation gains and losses from free-standing derivatives related to mortgage banking activity are recorded as a component of mortgage banking net revenue in the Consolidated Statements of Income. In conjunction with the sale of Visa, Inc. Class B Shares in 2009, the Bancorp entered into a total return swap in which the Bancorp will make or receive payments based on subsequent changes in the conversion rate of the Class B Shares into Class A Shares. This total return swap is accounted for as a free-standing derivative. Refer to Note 28 for more information about significant inputs and assumptions used in the valuation of this instrument. The Bancorp entered into certain interest rate swap contracts for the purpose of managing its collateral positions across two central clearing parties. These interest rate swaps were perfectly offsetting positions that allowed the Bancorp to lower the cash posted as required initial margin at the clearing parties, which reduced its credit exposure to the clearing parties. Given that all relevant terms for these interest rate swaps are offsetting, these trades create no additional market risk for the Bancorp. As part of the LIBOR to SOFR transition, the Bancorp received certain interest rate swap contracts from the two central clearing parties that have moved from an Effective Federal Funds Rate discounting curve to a SOFR discounting curve. The purpose of these interest rate swaps was to neutralize the impact on collateral requirements due to the change in discounting curves implemented by the central clearing parties. The net (losses) gains recorded in the Consolidated Statements of Income relating to free-standing derivative instruments used for risk management and other business purposes are summarized in the following table: For the years ended December 31 ($ in millions) Consolidated Statements of Income Caption 2024 2023 2022 Interest rate contracts: Interest rate contracts related to MSR portfolio Mortgage banking net revenue $ (88) (43) (363) Forward contracts related to residential mortgage loans measured at fair value Mortgage banking net revenue 13 (7) 3 Interest-only strips Other noninterest income (1) (3) — Foreign exchange contracts: Foreign exchange contracts for risk management purposes Other noninterest income 14 (3) 12 Equity contracts: Swap associated with sale of Visa, Inc. Class B Shares Other noninterest income (138) (94) (84) Free-Standing Derivative Instruments – Customer Accommodation The majority of the free-standing derivative instruments the Bancorp enters into are for the benefit of its commercial customers. These derivative contracts are not designated against specific assets or liabilities on the Consolidated Balance Sheets or to forecasted transactions and, therefore, do not qualify for hedge accounting. These instruments include foreign exchange derivative contracts entered into for the benefit of commercial customers involved in international trade to hedge their exposure to foreign currency fluctuations, commodity contracts to hedge such items as natural gas and various other derivative contracts. The Bancorp may economically hedge significant exposures related to these derivative contracts entered into for the benefit of customers by entering into offsetting contracts with approved, reputable, independent counterparties with substantially matching terms. The Bancorp hedges its interest rate exposure on commercial customer transactions by executing offsetting swap agreements with primary dealers. Revaluation gains and losses on interest rate, foreign exchange, commodity and other commercial customer derivative contracts are recorded as a component of capital markets fees or other noninterest income in the Consolidated Statements of Income. The Bancorp enters into risk participation agreements, under which the Bancorp assumes credit exposure relating to certain underlying interest rate derivative contracts. The Bancorp typically only enters into these risk participation agreements in instances in which the Bancorp has participated in the loan that the underlying interest rate derivative contract was designed to hedge. The Bancorp will make payments under these agreements if a customer defaults on its obligation to perform under the terms of the underlying interest rate derivative contract. As of December 31, 2024 and 2023, the total notional amount of the risk participation agreements was $3.2 billion and $3.6 billion, respectively, and the fair value was a liability of $5 million and $6 million, respectively, which is included in other liabilities in the Consolidated Balance Sheets. As of December 31, 2024, the risk participation agreements had a weighted-average remaining life of 2.1 years. The Bancorp’s maximum exposure in the risk participation agreements is contingent on the fair value of the underlying interest rate derivative contracts in an asset position at the time of default. The Bancorp monitors the credit risk associated with the underlying customers in the risk participation agreements through the same risk rating system currently utilized for establishing loss reserves in its loan and lease portfolio. Risk ratings of the notional amount of risk participation agreements under this risk rating system are summarized in the following table as of December 31: ($ in millions) 2024 2023 Pass $ 3,138 3,168 Special mention 9 323 Substandard 100 72 Total $ 3,247 3,563 The net gains (losses) recorded in the Consolidated Statements of Income relating to free-standing derivative instruments used for customer accommodation are summarized in the following table: For the years ended December 31 ($ in millions) Consolidated Statements of Income Caption 2024 2023 2022 Interest rate contracts: Interest rate contracts for customers (contract revenue) Capital markets fees $ 29 35 48 Interest rate contracts for customers (credit portion of fair value adjustment) Other noninterest expense 4 (2) 10 Interest rate lock commitments Mortgage banking net revenue 41 52 16 Commodity contracts: Commodity contracts for customers (contract revenue) Capital markets fees 18 36 44 Commodity contracts for customers (credit portion of fair value adjustment) Other noninterest expense 1 — — Foreign exchange contracts: Foreign exchange contracts for customers (contract revenue) Capital markets fees 74 89 70 Foreign exchange contracts for customers (contract revenue) Other noninterest income 6 (14) 8 Foreign exchange contracts for customers (credit portion of fair value adjustment) Other noninterest expense — 4 (3) Offsetting Derivative Financial Instruments The Bancorp’s derivative transactions are generally governed by ISDA Master Agreements and similar arrangements, which include provisions governing the setoff of assets and liabilities between the parties. When the Bancorp has more than one outstanding derivative transaction with a single counterparty, the setoff provisions contained within these agreements generally allow the non-defaulting party the right to reduce its liability to the defaulting party by amounts eligible for setoff, including the collateral received as well as eligible offsetting transactions with that counterparty, irrespective of the currency, place of payment or booking office. The Bancorp’s policy is to present its derivative assets and derivative liabilities on the Consolidated Balance Sheets on a gross basis, even when provisions allowing for setoff are in place. However, for derivative contracts cleared through certain central clearing parties who have modified their rules to treat variation margin payments as settlements, the fair value of the respective derivative contracts is reported net of the variation margin payments. Collateral amounts included in the tables below consist primarily of cash and highly rated government-backed securities and do not include variation margin payments for derivative contracts with legal rights of setoff for both periods shown. The following table provides a summary of offsetting derivative financial instruments: Gross Amount Recognized in the Consolidated Balance Sheets (a) Gross Amounts Not Offset in the Derivatives Collateral (b) Net Amount As of December 31, 2024 Derivative assets $ 2,470 (1,378) (573) 519 Derivative liabilities 2,798 (1,378) (193) 1,227 As of December 31, 2023 Derivative assets $ 2,672 (1,031) (877) 764 Derivative liabilities 2,999 (1,031) (159) 1,809 (a) Amount does not include IRLCs because these instruments are not subject to master netting or similar arrangements. (b) Amount of collateral received as an offset to asset positions or pledged as an offset to liability positions. Collateral values in excess of related derivative amounts recognized in the Consolidated Balance Sheets were excluded from this table.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2024
Other Assets [Abstract]
Other Assets	Other Assets The following table provides the components of other assets included in the Consolidated Balance Sheets as of December 31: ($ in millions) 2024 2023 Partnership investments $ 2,520 2,326 Derivative instruments 2,472 2,677 Accounts receivable and drafts-in-process 2,381 2,007 Bank owned life insurance 2,135 2,103 Deferred tax assets 1,429 1,438 Accrued interest and fees receivable 796 797 Operating lease right-of-use assets 526 511 Income tax receivable 174 187 Prepaid expenses 142 143 OREO and other repossessed property 32 39 Worldpay, Inc. TRA receivable — 35 Other 250 275 Total other assets $ 12,857 12,538 In conjunction with Worldpay, Inc.’s IPO in 2012, the Bancorp entered into two TRAs with Worldpay, Inc. The TRAs provide for payments by Worldpay, Inc. to the Bancorp of 85% of the cash savings actually realized as a result of the increase in tax basis that results from the historical or future purchase of equity in Worldpay Holding, LLC from the Bancorp or from the exchange of equity units in Worldpay Holding, LLC for cash or Class A Stock, as well as any tax benefits attributable to payments made under the TRA. During the fourth quarter of 2019, the Bancorp entered into an agreement with Fidelity National Information Services, Inc. and Worldpay, Inc. under which Worldpay, Inc. was potentially obligated to pay up to approximately $366 million to the Bancorp to terminate and settle a portion of the remaining TRA cash flows, totaling an estimated $720 million, upon the exercise of certain call options by Worldpay, Inc. or certain put options by the Bancorp. In 2019, the Bancorp recognized a gain of approximately $345 million in other noninterest income associated with these options. The Worldpay, Inc. TRA receivable associated with this transaction, recorded in other assets in the Consolidated Balance Sheets, was $35 million as of December 31, 2023. Subsequent to December 31, 2023, the Bancorp received cash from Worldpay, Inc. to settle the receivable that had been recorded as of December 31, 2023 for the remaining put and call options. Neither the Bancorp nor Worldpay, Inc. have any significant remaining rights or obligations under this agreement.

Short-Term Borrowings

Short-Term Borrowings	12 Months Ended
	Dec. 31, 2024
Short-Term Debt [Abstract]
Short-Term Borrowings	Short-Term Borrowings Borrowings with original maturities of one year or less are classified as short-term and include federal funds purchased and other short-term borrowings. Federal funds purchased are excess balances in reserve accounts held at the FRB that the Bancorp purchased from other member banks on an overnight basis. Other short-term borrowings may include FHLB advances, securities sold under repurchase agreements, derivative collateral and other borrowings with original maturities of one year or less. The following table summarizes short-term borrowings and weighted-average rates: 2024 2023 ($ in millions) Amount Rate Amount Rate As of December 31: Federal funds purchased $ 204 4.30 % $ 193 5.31 % Other short-term borrowings 4,450 4.39 2,861 5.21 Average for the years ended December 31: Federal funds purchased $ 207 5.21 % $ 307 4.96 % Other short-term borrowings 3,024 5.18 5,044 4.90 Maximum month-end balance for the years ended December 31: Federal funds purchased $ 247 $ 1,143 Other short-term borrowings 5,070 7,423 The following table presents a summary of the Bancorp’s other short-term borrowings as of December 31: ($ in millions) 2024 2023 FHLB advances $ 4,100 2,500 Securities sold under repurchase agreements 273 330 Derivative collateral 19 3 Other borrowed money 58 28 Total other short-term borrowings $ 4,450 2,861 The Bancorp’s securities sold under repurchase agreements are accounted for as secured borrowings and are collateralized by securities included in available-for-sale debt and other securities and held-to-maturity securities in the Consolidated Balance Sheets. These securities are subject to changes in market value and, therefore, the Bancorp may increase or decrease the level of securities pledged as collateral based upon these movements in market value. As of both December 31, 2024 and 2023, all securities sold under repurchase agreements were secured by agency mortgage-backed securities and the repurchase agreements had an overnight remaining contractual maturity.

Long-Term Debt

Long-Term Debt	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Long-Term Debt	Long-Term Debt The following table is a summary of the Bancorp’s long-term borrowings at December 31: ($ in millions) Maturity Interest Rate 2024 2023 Parent Company Senior: Fixed-rate notes 2024 3.65% $ — 1,500 Fixed-rate notes 2025 2.375% 750 749 Fixed-rate notes 2027 2.55% 748 748 Fixed-rate/floating-rate notes (c) 2027 1.707% 472 461 Fixed-rate notes 2028 3.95% 648 648 Fixed-rate/floating-rate notes (c) 2028 4.055% 387 386 Fixed-rate/floating-rate notes (c) 2028 6.361% 999 1,013 Fixed-rate/floating-rate notes (c) 2029 6.339% 1,246 1,245 Fixed-rate/floating-rate notes (c) 2030 4.772% 933 944 Fixed-rate/floating-rate notes (c) 2030 4.895% 747 — Fixed-rate/floating-rate notes (c) 2032 5.631% 996 — Fixed-rate/floating-rate notes (c) 2033 4.337% 544 561 Subordinated: (a) Fixed-rate notes 2024 4.30% — 750 Fixed-rate notes 2038 8.25% 1,051 1,103 Subsidiaries Senior: Fixed-rate notes 2025 3.95% 747 727 Fixed-rate/floating-rate notes (e) 2025 5.852% — 996 Fixed-rate notes 2027 2.25% 599 599 Subordinated: (a) Fixed-rate notes 2026 3.85% 750 749 Junior subordinated: Floating-rate debentures (a)(b) 2035 6.04% - 6.31% 54 54 FHLB advances (d) 2025 - 2047 4.91% 1,508 1,510 Notes associated with consolidated VIEs: Automobile loan securitization 2026 - 2031 5.13% - 5.80% 816 1,305 Solar loan securitization, fixed-rate notes 2038 4.05% - 7.00% 30 35 Other 2025 - 2052 Varies 312 297 Total $ 14,337 16,380 (a) In aggregat e, $1.3 billion a nd $1.5 billion qualifies as Tier 2 capital for regulatory capital purposes for the years ended December 31, 2024 and 2023, respectively. (b) These rates reflect the floating rates as of December 31, 2024. (c) This rate reflects the fixed rate in effect as of December 31, 2024. (d) This rate reflects the weighted-average rate as of December 31, 2024. (e) This rate reflects the fixed rate in effect as of December 31, 2023. The Bancorp pays down long-term debt in accordance with contractual terms over maturity periods summarized in the previous table. The aggregate annual maturities of long-term debt obligations (based on final maturity dates) as of December 31, 2024 are presented in the following table: ($ in millions) Parent Company Subsidiaries Total 2025 $ 750 756 1,506 2026 — 2,429 2,429 2027 1,220 613 1,833 2028 2,034 587 2,621 2029 1,246 82 1,328 Thereafter 4,271 349 4,620 Total $ 9,521 4,816 14,337 At December 31, 2024, the Bancorp’s long-term borrowings consisted of outstanding principal balances of $14.5 billion, net discounts of $13 million, debt issuance costs of $31 million and reductions for mark-to-market adjustments on its hedged debt of $103 million. At December 31, 2023, the Bancorp’s long-term borrowings consisted of outstanding principal balances of $16.5 billion, net discounts of $14 million, debt issuance costs of $32 million and reductions for mark-to-market adjustments on its hedged debt of $38 million. The Bancorp was in compliance with all debt covenants at December 31, 2024 and 2023. For further information on a subsequent event related to long-term debt, refer to Note 32. Parent Company Long-Term Borrowings Senior notes On March 14, 2018, the Bancorp issued and sold $650 million of senior notes to third-party investors. The senior notes bear a fixed-rate of interest of 3.95% per annum. The notes are unsecured, senior obligations of the Bancorp. Payment of the full principal amounts of the notes is due upon maturity on March 14, 2028. These fixed-rate senior notes will be redeemable by the Bancorp, in whole or in part, on or after the date that is 30 days prior to the maturity date at a redemption price equal to 100% of the principal amount plus accrued and unpaid interest up to, but excluding, the redemption date. On October 28, 2019, the Bancorp issued and sold $750 million of senior notes to third-party investors. The senior notes bore a fixed-rate of interest of 2.375% per annum and were unsecured, senior obligations of the Bancorp. The notes were outstanding at December 31, 2024 and subsequently matured on January 28, 2025. On May 5, 2020, the Bancorp issued and sold $750 million of 2.55% senior fixed-rate notes, with a maturity of seven years, due on May 5, 2027. The notes will be redeemable on or after April 5, 2027, in whole or in part, at any time and from time to time, at the Bancorp’s option at a redemption price equal to 100% of the aggregate principal amount of the senior fixed-rate note s being redeemed, plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date. Additionally, the notes will be redeemable at the Bancorp’s option, in whole or in part, at any time or from time to time, on or after November 2, 2020, and prior to April 5, 2027, in each case at a redemption price, plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date, equal to the greater of: (a) 100% of the aggregate principal amount of the senior fixed-rate notes being redeemed on that redemption date; and (b) the sum of the present values of the remaining scheduled payments of principal and interest on the senior fixed-rate notes being redeemed that would be due if the senior fixed-rate notes to be redeemed matured on April 5, 2027 (not including any portion of such payments of interest accrued to the redemption date) discounted to the redemption date on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the applicable Treasury Rate plus 35 bps. On November 1, 2021, the Bancorp issued and sold $500 million of fixed-rate/floating-rate senior notes which will mature on November 1, 2027. The senior notes bear a fixed rate of interest of 1.707% per annum to, but excluding, November 1, 2026. From, and including, November 1, 2026 until, but excluding, November 1, 2027, the senior notes will have an interest rate of compounded SOFR plus 0.685%. The Bancorp entered into an interest rate swap designated as a fair value hedge to convert the fixed-rate period of the notes to a floating rate of compounded SOFR plus 69 bps, and the Bancorp paid a rate of 5.34% at December 31, 2024 . The notes will be redeemable in whole, but not in part, by the Bancorp on November 1, 2026, the date that is one year prior to the maturity date, at a redemption price equal to 100% of the principal amount of the notes, plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date. In addition, the notes will be redeemable, in whole or in part, by the Bancorp on or after the date that is 30 days prior to the maturity date at a redemption price equal to 100% of the principal amount of the notes being redeemed, plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date. On April 25, 2022, the Bancorp issued and sold $1 billion of fixed-rate/floating-rate senior notes. $400 million of the notes will bear interest at a rate of 4.055% per annum to, but excluding, April 25, 2027, followed by an interest rate of compounded SOFR plus 1.355% until maturity on April 25, 2028. The remaining $600 million of the notes will bear interest at a rate of 4.337% per annum to, but excluding, April 25, 2032, followed by an interest rate of compounded SOFR plus 1.660% until maturity on April 25, 2033. The Bancorp entered into interest rate swaps designated as fair value hedges to convert the fixed-rate periods of the notes to a floating rate of compounded SOFR plus 1.357% and a floating rate of compounded SOFR plus 1.666% for the notes due April 25, 2028 and the notes due April 25, 2033, respectively. The Bancorp paid rates on these swaps of 5.91% and 6.22%, respectively, at December 31, 2024 . Each tranche of notes is redeemable in whole at par plus accrued and unpaid interest one year prior to its maturity date, or may be wholly or partially redeemed 30 days or 90 days prior to maturity for the 2028 notes and the 2033 notes, respectively. On July 28, 2022, the Bancorp issued and sold $1 billion of fixed-rate/floating-rate senior notes which will mature on July 28, 2030. The senior notes bear interest at a rate of 4.772% per annum to, but excluding, July 28, 2029. From, and including July 28, 2029 until, but excluding July 28, 2030, the senior notes will bear interest at a rate of compounded SOFR plus 2.127%. The Bancorp entered into interest rate swaps designated as fair value hedges to convert the fixed-rate period of the notes to a floating rate of compounded SOFR plus 2.132%, and the Bancorp paid a rate of 6.67% at December 31, 2024 . The senior notes are redeemable in whole at par plus accrued and unpaid interest one year prior to their maturity date, or may be wholly or partially redeemed 60 days prior to maturity. On October 27, 2022, the Bancorp issued and sold $1 billion of fixed-rate/floating-rate senior notes which will mature on October 27, 2028. The senior notes will bear interest at a rate of 6.361% per annum to, but excluding, October 27, 2027. From, and including October 27, 2027 until, but excluding October 27, 2028, the senior notes will bear interest at a rate of compounded SOFR plus 2.192%. The Bancorp entered into an interest rate swap designated as a fair value hedge to convert the fixed-rate period of the notes to a floating rate of compounded SOFR plus 2.193%, and the Bancorp paid a rate of 6.74% at December 31, 2024 . The senior notes are redeemable in whole at par plus accrued and unpaid interest one year prior to their maturity date, or may be wholly or partially redeemed on or after 30 days prior to maturity. Additionally, the senior notes are redeemable at the Bancorp’s option, in whole or in part, beginning 180 days after the issue date and prior to October 27, 2027, at the greater of: (a) the aggregate principal amount of the senior notes being redeemed, or (b) the discounted present value of the remaining scheduled payments of principal and interest that would be due if the senior notes being redeemed matured on October 27, 2027. On July 27, 2023, the Bancorp issued and sold $1.25 billion of fixed-rate/floating-rate senior notes which will mature on July 27, 2029 . The senior notes bear interest at a rate of 6.339% per annum to, but excluding, July 27, 2028. From, and including, July 27, 2028 until, but excluding, July 27, 2029, the senior notes will bear interest at a rate of compounded SOFR plus 2.340%. The senior notes are redeemable in whole at par plus accrued and unpaid interest one year prior to their maturity date, or may be wholly or partially redeemed on or after 30 days prior to maturity. Additionally, the senior notes are redeemable at the Bancorp’s option, in whole or in part, beginning 180 days after the issue date and prior to July 27, 2028, at the greater of: (a) the aggregate principal amount of the senior notes being redeemed, or (b) the discounted present value of the remaining scheduled payments of principal and interest that would be due if the senior notes being redeemed matured on July 27, 2028. On January 29, 2024, the Bancorp issued and sold $1.0 billion of fixed-rate/floating-rate senior notes which will mature on January 29, 2032 . The senior notes will bear interest at a rate of 5.631% per annum to, but excluding, January 29, 2031. From, and including, January 29, 2031 until, but excluding January 29, 2032, the senior notes will bear interest at a rate of compounded SOFR plus 1.840%. The senior notes are redeemable in whole one year prior to their maturity date, or in whole or in part beginning 60 days prior to maturity, at par plus accrued and unpaid interest. Additionally, the senior notes are redeemable at the Bancorp’s option, in whole or in part, beginning 180 days after the issue date and prior to January 29, 2031, at the greater of: (a) the aggregate principal amount of the senior notes being redeemed, plus accrued and unpaid interest, or (b) the present value of the remaining scheduled payments of principal and interest. On September 6, 2024, the Bancorp issued and sold $750 million of fixed-rate/floating-rate senior notes which will mature on September 6, 2030. The senior notes will bear interest at a rate of 4.895% per annum to, but excluding, September 6, 2029. From, and including, September 6, 2029 until, but excluding, September 6, 2030, the senior notes will bear interest at a rate of compounded SOFR plus 1.486%. The senior notes are redeemable in whole one year prior to their maturity date, or in whole or in part beginning 30 days prior to maturity, at par plus accrued and unpaid interest. Additionally, the senior notes are redeemable at the Bancorp’s option, in whole or in part, beginning 180 days after the issue date and prior to September 6, 2029, at the greater of: (a) the aggregate principal amount of the senior notes being redeemed, plus accrued and unpaid interest, or (b) the present value of the remaining scheduled payments of principal and interest. Subordinated debt The Bancorp has entered into interest rate swaps to convert part of its subordinated fixed-rate notes due in 2038 to a floating rate. Of the $1.0 billion in 8.25% subordinated fixed-rate notes due in 2038, the Bancorp entered into an interest rate swap designated as a fair value hedge to convert $705 million of the notes to a floating rate of compounded SOFR plus 3.31%, and the Bancorp paid a rate of 8.20% on the hedged portion of these notes at December 31, 2024 . Subsidiary Long-Term Borrowings Senior and subordinated debt Medium-term senior notes and subordinated bank notes with maturities ranging from one year to 30 years can be issued by the Bancorp’s banking subsidiary. Under the Bancorp’s banking subsidiary’s global bank note program, the Bank’s capacity to issue its senior and subordinated unsecured bank notes is $25.0 billion. As of December 31, 2024, $20.4 billion was available for future issuance under the global bank note program. On March 15, 2016, the Bank issued and sold, under its bank notes program, $750 million of 3.85% subordinated fixed-rate notes due on March 15, 2026. These bank notes will be redeemable by the Bank, in whole or in part, on or after the date that is 30 days prior to the maturity date at a redemption price equal to 100% of the principal amount plus accrued and unpaid interest up to, but excluding, the redemption date. On July 26, 2018, the Bank issued and sold, under its bank notes program, $750 million of 3.95% senior fixed-rate notes due on July 28, 2025. The Bank entered into interest rate swaps designated as fair value hedges to convert these fixed-rate notes to a floating rate of compounded SOFR plus 1.16%, and the Bancorp paid a rate of 5.70% at December 31, 2024. These bank notes will be redeemable by the Bank, in whole or in part, on or after the date that is 30 days prior to the maturity date at a redemption price equal to 100% of the principal amount plus accrued and unpaid interest up to, but excluding, the redemption date. On January 31, 2020, the Bank issued and sold, under its bank notes program, $600 million of 2.25% senior fixed-rate notes due on February 1, 2027. The notes will be redeemable at the Bank’s option, in whole or in part, at any time or from time to time, on or after July 31, 2020, and prior to January 4, 2027, at a redemption price, plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date, equal to the greater of: (a) 100% of the aggregate principal amount of the notes being redeemed on that redemption date; and (b) the sum of the present values of the remaining scheduled payments of principal and interest on the notes being redeemed that would be due if the notes to be redeemed matured on January 4, 2027. Additionally, the notes will also be redeemable by the Bank, in whole or in part, on or after January 4, 2027, at a redemption price equal to 100% of the principal amount plus accrued and unpaid interest up to, but excluding, the redemption date. Junior subordinated debt The junior subordinated floating-rate debentures due in 2035 were assumed by the Bancorp’s direct nonbank subsidiary holding company as part of the acquisition of First Charter in June 2008. The obligation was issued to First Charter Capital Trust I and II. The floating-rate capital securities of First Charter Capital Trust I and II pay a floating rate at three-month CME Term SOFR plus 1.69% and 1.42%, respectively, plus the tenor spread adjustment of 0.26161%. The Bancorp’s nonbank subsidiary holding company has fully and unconditionally guaranteed all obligations under the acquired TruPS issued by First Charter Capital Trust I and II. FHLB advances At December 31, 2024 , FHLB advances have a weighted-average rate of 4.91% , with interest payable monthly. The Bancorp has pledged $36.6 billion of loans and securities to secure its borrowing capacity at the FHLB which is partially utilized to fund $1.5 billion in FHLB advances that are outstanding. The FHLB advances mature as follows: $3 million in 2025, $1.5 billion in 2026 and $5 million after 2029. Notes associated with consolidated VIEs As discussed in Note 12, the Bancorp was determined to be the primary beneficiary of various VIEs associated with certain automobile and solar loan securitizations, including an automobile loan securitization transaction that occurred in August of 2023. Third-party holders of this debt do not have recourse to the general assets of the Bancorp. Approximately $846 million of outstanding notes related to these VIEs were included in long-term debt in the Consolidated Balance Sheets as of December 31, 2024. The notes mature as follows: $169 million in 2026, $550 million in 2028 and $127 million after 2029.

Commitments, Contingent Liabili

Commitments, Contingent Liabilities and Guarantees	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments, Contingent Liabilities and Guarantees	Commitments, Contingent Liabilities and Guarantees The Bancorp, in the normal course of business, enters into financial instruments and various agreements to meet the financing needs of its customers. The Bancorp also enters into certain transactions and agreements to manage its interest rate and prepayment risks, provide funding, equipment and locations for its operations and invest in its communities. These instruments and agreements involve, to varying degrees, elements of credit risk, counterparty risk and market risk in excess of the amounts recognized in the Consolidated Balance Sheets. The creditworthiness of counterparties for all instruments and agreements is evaluated on a case-by-case basis in accordance with the Bancorp’s credit policies. The Bancorp’s significant commitments, contingent liabilities and guarantees in excess of the amounts recognized in the Consolidated Balance Sheets are discussed in the following sections. Commitments The Bancorp has certain commitments to make future payments under contracts. The following table reflects a summary of significant commitments as of December 31: ($ in millions) 2024 2023 Commitments to extend credit $ 80,680 81,570 Letters of credit 1,952 2,095 Forward contracts related to residential mortgage loans measured at fair value 881 650 Capital commitments for private equity investments 219 170 Capital expenditures 80 95 Purchase obligations 27 69 Commitments to extend credit Commitments to extend credit are agreements to lend, typically having fixed expiration dates or other termination clauses that may require payment of a fee. Since many of the commitments to extend credit may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash flow requirements. The Bancorp is exposed to credit risk in the event of nonperformance by the counterparty for the amount of the contract. Fixed-rate commitments are also subject to market risk resulting from fluctuations in interest rates and the Bancorp’s exposure is limited to the replacement value of those commitments. As of December 31, 2024 and 2023, the Bancorp had a reserve for unfunded commitments, including letters of credit, totaling $134 million and $166 million, respectively, included in other liabilities in the Consolidated Balance Sheets. The Bancorp monitors the credit risk associated with commitments to extend credit using the same standard regulatory risk rating systems utilized for its loan and lease portfolio. Risk ratings of outstanding commitments to extend credit under this risk rating system are summarized in the following table as of December 31: ($ in millions) 2024 2023 Pass $ 78,734 79,593 Special mention 850 1,301 Substandard 1,095 676 Doubtful 1 — Total commitments to extend credit $ 80,680 81,570 Letters of credit Standby and commercial letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party and expire as summarized in the following table as of December 31, 2024: ($ in millions) Less than 1 year (a) $ 980 1 - 5 years (a) 967 Over 5 years 5 Total letters of credit $ 1,952 (a) Includes $2 and $3 issued on behalf of commercial customers to facilitate trade payments in U.S. dollars and foreign currencies which expire in less than 1 year and between 1 - 5 years, respectively. Standby letters of credit accounted for approximately 99% of total letters of credit at both December 31, 2024 and 2023 and are considered guarantees in accordance with U.S. GAAP. Approximately 76% and 72% of the total standby letters of credit were collateralized as of December 31, 2024 and 2023, respectively. In the event of nonperformance by the customers, the Bancorp has rights to the underlying collateral, which can include commercial real estate, physical plant and property, inventory, receivables, cash and marketable securities. The reserve related to these standby letters of credit, which was included in the total reserve for unfunded commitments, was $12 million and $20 million at December 31, 2024 and 2023, respectively. The Bancorp monitors the credit risk associated with letters of credit using the same standard regulatory risk rating systems utilized for its loan and lease portfolio. Risk ratings of outstanding letters of credit under this risk rating system are summarized in the following table as of December 31: ($ in millions) 2024 2023 Pass $ 1,779 1,902 Special mention 60 81 Substandard 110 112 Doubtful 3 — Total letters of credit $ 1,952 2,095 At December 31, 2024 and 2023, the Bancorp had outstanding letters of credit that were supporting certain securities issued as VRDNs. The Bancorp facilitates financing for its commercial customers, which consist of companies and municipalities, by marketing the VRDNs to investors. The VRDNs pay interest to holders at a rate of interest that fluctuates based upon market demand. The VRDNs generally have long-term maturity dates, but can be tendered by the holder for purchase at par value upon proper advance notice. When the VRDNs are tendered, a remarketing agent generally finds another investor to purchase the VRDNs to keep the securities outstanding in the market. As of December 31, 2024 and 2023, total VRDNs, of which FTS was the remarketing agent for all, were $356 million and $400 million, respectively. As remarketing agent, FTS is responsible for actively remarketing VRDNs to other investors when they have been tendered. If another investor is not identified, FTS may choose to purchase the VRDNs into inventory at its discretion while it continues to remarket them. If FTS purchases the VRDNs into inventory, it can subsequently tender back the VRDNs to the issuer’s trustee with proper advance notice. The Bancorp issued letters of credit, as a credit enhancement, to $45 million and $83 million of the VRDNs remarketed by FTS at December 31, 2024 and 2023, respectively. These letters of credit are included in the total letters of credit balance provided in the previous tables. The Bancorp held an immaterial amount and $6 million of these VRDNs in its portfolio and classified them as trading debt securities at December 31, 2024 and 2023, respectively. Forward contracts related to residential mortgage loans measured at fair value The Bancorp enters into forward contracts and mortgage options to economically hedge the change in fair value of certain residential mortgage loans held for sale, and certain residential mortgage portfolio loans measured at fair value, due to changes in interest rates. The outstanding notional amounts of these forward contracts are included in the summary of significant commitments table for all periods presented. Other commitments The Bancorp has entered into a limited number of agreements for work related to banking center construction and to purchase goods or services. Contingent Liabilities Legal claims There are legal claims pending against the Bancorp and its subsidiaries that have arisen in the normal course of business. Refer to Note 19 for additional information regarding these proceedings. Guarantees The Bancorp has performance obligations upon the occurrence of certain events under financial guarantees provided in certain contractual arrangements as discussed in the following sections. Residential mortgage loans sold with representation and warranty provisions Conforming residential mortgage loans sold to unrelated third parties are generally sold with representation and warranty provisions. A contractual liability arises only in the event of a breach of these representations and warranties and, in general, only when a loss results from the breach. The Bancorp may be required to repurchase any previously sold loan, or indemnify or make whole the investor or insurer for which the representation or warranty of the Bancorp proves to be inaccurate, incomplete or misleading. For more information on how the Bancorp establishes the residential mortgage repurchase reserve, refer to Note 1. As of December 31, 2024 and 2023, respectively, the Bancorp maintained reserves related to loans sold with representation and warranty provisions totaling $5 million and $7 million, respectively, included in other liabilities in the Consolidated Balance Sheets. The Bancorp uses the best information available when estimating its mortgage representation and warranty reserve; however, the estimation process is inherently uncertain and imprecise and, accordingly, losses in excess of the amounts reserved as of December 31, 2024 are reasonably possible. The Bancorp currently estimates that it is reasonably possible that it could incur losses related to mortgage representation and warranty provisions in an amount up to approximately $8 million in excess of amounts reserved. This estimate was derived by modifying the key assumptions to reflect management’s judgment regarding reasonably possible adverse changes to those assumptions. The actual repurchase losses could vary significantly from the recorded mortgage representation and warranty reserve or this estimate of reasonably possible losses, depending on the outcome of various factors, including those previously discussed. During both the years ended December 31, 2024 and 2023, the Bancorp paid an immaterial amount in the form of make-whole payments and repurchased $20 million and $54 million, respectively, in outstanding principal of loans to satisfy investor demands. Total repurchase demand requests during the years ended December 31, 2024 and 2023 were $44 million and $89 million, respectively. Total outstanding repurchase demand inventory was $7 million and $8 million at December 31, 2024 and 2023, respectively. Margin accounts FTS, an indirect wholly-owned subsidiary of the Bancorp, guarantees the collection of all margin account balances held by its brokerage clearing agent for the benefit of its customers. FTS is responsible for payment to its brokerage clearing agent for any loss, liability, damage, cost or expense incurred as a result of customers failing to comply with margin or margin maintenance calls on all margin accounts. The margin account balances held by the brokerage clearing agent were $16 million and $6 million at December 31, 2024 and 2023, respectively. In the event of customer default, FTS has rights to the underlying collateral provided. Given the existence of the underlying collateral provided and negligible historical credit losses, the Bancorp does not maintain a loss reserve related to the margin accounts. Long-term borrowing obligations The Bancorp had certain fully and unconditionally guaranteed long-term borrowing obligations issued by wholly-owned issuing trust entities of $62 million at both December 31, 2024 and 2023. Visa litigation The Bancorp, as a member bank of Visa prior to Visa’s reorganization and IPO (the “IPO”) of its Class A common shares (the “Class A Shares”) in 2008, had certain indemnification obligations pursuant to Visa’s certificate of incorporation and bylaws and in accordance with its membership agreements. In accordance with Visa’s bylaws prior to the IPO, the Bancorp could have been required to indemnify Visa for the Bancorp’s proportional share of losses based on the pre-IPO membership interests. As part of its reorganization and IPO, the Bancorp’s indemnification obligation was modified to include only certain known or anticipated litigation (the “Covered Litigation”) as of the date of the restructuring. This modification triggered a requirement for the Bancorp to recognize a liability equal to the fair value of the indemnification liability. In conjunction with the IPO, the Bancorp received 10.1 million of Visa’s Class B common shares (the “Class B Shares”) based on the Bancorp’s membership percentage in Visa prior to the IPO. The Class B Shares were not transferable (other than to another member bank) until the later of the third anniversary of the IPO closing or the date on which the Covered Litigation has been resolved; therefore, the Bancorp’s Class B Shares were classified in other assets and accounted for at their carryover basis of $0. Visa deposited $3 billion of the proceeds from the IPO into a litigation escrow account, established for the purpose of funding judgments in, or settlements of, the Covered Litigation. Since then, when Visa’s litigation committee determined that the escrow account was insufficient, Visa issued additional Class A Shares and deposited the proceeds from the sale of the Class A Shares into the litigation escrow account. When Visa funded the litigation escrow account, the Class B Shares were subjected to dilution through an adjustment in the conversion rate of Class B Shares into Class A Shares. On January 23, 2024, Visa announced shareholder approval of changes to its articles of incorporation that would release certain transfer restrictions on portions of Class B Shares. The program will allow holders of Class B Shares to liquidate some of their shares subject to assurances that other Visa stockholders will retain existing protection from exposure to the Covered Litigation. In 2009, the Bancorp completed the sale of Visa, Inc. Class B Shares and entered into a total return swap in which the Bancorp will make or receive payments based on subsequent changes in the conversion rate of the Class B Shares into Class A Shares. The swap terminates on the later of the third anniversary of Visa’s IPO or the date on which the Covered Litigation is settled. Refer to Note 28 for additional information on the valuation of the swap. The counterparty to the swap as a result of its ownership of the Class B Shares will be impacted by dilutive adjustments to the conversion rate of the Class B Shares into Class A Shares caused by any Covered Litigation losses in excess of the litigation escrow account. If actual judgments in, or settlements of, the Covered Litigation significantly exceed current expectations, then additional funding by Visa of the litigation escrow account and the resulting dilution of the Class B Shares could result in a scenario where the Bancorp’s ultimate exposure associated with the Covered Litigation (the “Visa Litigation Exposure”) exceeds the value of the Class B Shares owned by the swap counterparty (the “Class B Value”). In the event the Bancorp concludes that it is probable that the Visa Litigation Exposure exceeds the Class B Value, the Bancorp would record a litigation reserve liability and a corresponding amount of other noninterest expense for the amount of the excess. Any such litigation reserve liability would be separate and distinct from the fair value derivative liability associated with the total return swap. As of the date of the Bancorp’s sale of the Visa Class B Shares and through December 31, 2024, the Bancorp has concluded that it is not probable that the Visa Litigation Exposure will exceed the Class B Value. Based on this determination, upon the sale of Class B Shares, the Bancorp reversed its net Visa litigation reserve liability and recognized a free-standing derivative liability associated with the total return swap. The fair value of the swap liability was $170 million and $168 million at December 31, 2024 and 2023, respectively. Refer to Note 14 and Note 28 for further information. After the Bancorp’s sale of the Class B Shares, Visa has funded additional amounts into the litigation escrow account which have resulted in further dilutive adjustments to the conversion of Class B Shares into Class A Shares, and along with other terms of the total return swap, required the Bancorp to make cash payments in varying amounts to the swap counterparty as follows: Period ($ in millions) Visa Funding Amount Bancorp Cash Payment Amount Q2 2010 $ 500 20 Q4 2010 800 35 Q2 2011 400 19 Q1 2012 1,565 75 Q3 2012 150 6 Q3 2014 450 18 Q2 2018 600 26 Q3 2019 300 12 Q4 2021 250 11 Q2 2022 600 25 Q4 2022 350 15 Q2 2023 500 21 Q3 2023 150 6 Q3 2024 1,500 65

Legal and Regulatory Proceeding

Legal and Regulatory Proceedings	12 Months Ended
	Dec. 31, 2024
Loss Contingency [Abstract]
Legal and Regulatory Proceedings	Legal and Regulatory Proceedings Litigation Visa/MasterCard Merchant Interchange Litigation In April 2006, the Bancorp was added as a defendant in a consolidated antitrust class action lawsuit originally filed against Visa®, MasterCard® and several other major financial institutions in the United States District Court for the Eastern District of New York (In re: Payment Card Interchange Fee and Merchant Discount Antitrust Litigation, Case No. 5-MD-1720). The plaintiffs, merchants operating commercial businesses throughout the U.S. and trade associations, claimed that the interchange fees charged by card-issuing banks were unreasonable and sought injunctive relief and unspecified damages. In addition to being a named defendant, the Bancorp is currently also subject to a possible indemnification obligation of Visa as discussed in Note 18 and has also entered into judgment and loss sharing agreements with Visa, MasterCard and certain other named defendants. In October 2012, the parties to the litigation entered into a settlement agreement that was initially approved by the trial court but reversed by the U.S. Second Circuit Court of Appeals and remanded to the district court for further proceedings . More than 500 of the merchants who requested exclusion from the class filed separate federal lawsuits against Visa, MasterCard and certain other defendants alleging similar antitrust violations. These individual federal lawsuits were transferred to the United States District Court for the Eastern District of New York. While the Bancorp is only named as a defendant in one of the individual federal lawsuits, it may have obligations pursuant to indemnification arrangements and/or the judgment or loss sharing agreements noted above. On September 17, 2018, the defendants in the consolidated class action signed a second settlement agreement (the “Amended Settlement Agreement”) resolving the claims seeking monetary damages by the proposed plaintiffs’ class (the “Plaintiff Damages Class”) and superseding the original settlement agreement entered into in October 2012. The Amended Settlement Agreement included, among other terms, a release from participating class members for liability for claims that accrue no later than five years after the Amended Settlement Agreement becomes final. The Amended Settlement Agreement provided for a total payment by all defendants of approximately $6.24 billion, composed of approximately $5.34 billion held in escrow plus an additional $900 million in new funds. Pursuant to the terms of the Settlement Agreement, $700 million of the additional $900 million has been returned to the defendants due to the level of opt-outs from the class. The Bancorp’s allocated share of the settlement is within existing reserves, including funds maintained in escrow. On December 13, 2019, the Court entered an order granting final approval for the settlement, and on March 15, 2023, the Second Circuit affirmed that order. The settlement does not resolve the claims of the separate proposed plaintiffs’ class seeking injunctive relief or the claims of merchants who have opted out of the proposed class settlement and are pursuing, or may in the future decide to pursue, private lawsuits. Several of the remaining opt-out cases have now been set for a trial scheduled to commence on October 20, 2025 in the matter of Target Corp. et al. v. Visa Inc. et al., Case No. 13 Civ. 3477 (AKH) (S.D.N.Y.). On September 27, 2021, the Court overseeing the class litigation entered an order certifying a class of merchants pursuing claims for injunctive relief. On March 26, 2024, Plaintiffs filed a motion seeking preliminary approval of a settlement that would resolve class claims for injunctive relief. On June 13, 2024, the Court held a hearing on Plaintiffs’ motion for preliminary approval of the injunctive relief settlement, and on June 25, 2024, the Court issued an order denying the request for preliminary approval of the settlement. The ultimate outcome in this matter, including the timing of resolution, remains uncertain. Refer to Note 18 for further information. Klopfenstein v. Fifth Third Bank On August 3, 2012, William Klopfenstein and Adam McKinney filed a lawsuit against Fifth Third Bank in the United States District Court for the Northern District of Ohio (Klopfenstein et al. v. Fifth Third Bank), alleging that the 120% APR that Fifth Third disclosed on its Early Access program was misleading. Early Access is a deposit-advance program offered to eligible customers with checking accounts. The plaintiffs sought to represent a nationwide class of customers who used the Early Access program and repaid their cash advances within 30 days. On October 31, 2012, the case was transferred to the United States District Court for the Southern District of Ohio. In 2013, four similar putative class action lawsuits were filed against Fifth Third Bank in federal courts throughout the country (Lori and Danielle Laskaris v. Fifth Third Bank, Janet Fyock v. Fifth Third Bank, Jesse McQuillen v. Fifth Third Bank, and Brian Harrison v. Fifth Third Bank). Those four lawsuits were transferred to the Southern District of Ohio and consolidated with the original lawsuit as In re: Fifth Third Early Access Cash Advance Litigation (Case No. 1:12-CV-851). On behalf of a putative class, the plaintiffs sought unspecified monetary and statutory damages, injunctive relief, punitive damages, attorneys’ fees, and pre- and post-judgment interest. On March 30, 2015, the court dismissed all claims alleged in the consolidated lawsuit except a claim under the TILA. On May 28, 2019, the Sixth Circuit Court of Appeals reversed the dismissal of plaintiffs’ breach of contract claim and remanded for further proceedings. The plaintiffs’ claimed damages for the alleged breach of contract claim exceed $440 million, plus prejudgment interest. On March 26, 2021, the trial court granted plaintiffs’ motion for class certification. On March 29, 2023, the trial court issued an order granting summary judgement on plaintiffs’ TILA claim, with statutory damages capped at $2 million plus costs and attorney fees. Plaintiffs’ claim for breach of contract proceeded to trial beginning on April 17, 2023. On April 27, 2023, the jury returned a verdict in favor of the Bank, finding a breach of contract, but that the voluntary payment doctrine is a complete defense to the breach of contract claim. On September 30, 2024, the trial court issued a decision denying post-trial motions related to the jury verdict. On October 30, 2024, plaintiffs filed a notice of appeal, and on November 7, 2024, Fifth Third filed a notice of cross appeal. Bureau of Consumer Financial Protection v. Fifth Third Bank, National Association On March 9, 2020, the CFPB filed a lawsuit against Fifth Third in the United States District Court for the Northern District of Illinois entitled CFPB v. Fifth Third Bank, National Association, Case No. 1:20-CV-1683, alleging violations of the Consumer Financial Protection Act, TILA, and Truth in Savings Act related to Fifth Third’s alleged opening of unspecified numbers of allegedly unauthorized credit card, savings, checking, online banking and early access accounts from 2010 through 2016. The parties agreed to the entry of a Stipulated Final Judgment and Order on July 9, 2024 to resolve this matter, pursuant to which Fifth Third, without admitting or denying any of the allegations in the suit except as specified in the order, agreed to pay a civil monetary penalty of $15 million, agreed to maintain existing policies around its consumer sales incentives, agreed to create a compliance plan to ensure its account opening practices comply with law and the order and agreed to provide a redress plan to remediate certain customers with checking, savings, or credit card accounts opened beginning January 1, 2010 and ending December 31, 2016. Concurrently with the Stipulated Final Judgment and Order, Fifth Third, without admitting or denying any of the findings of fact or conclusions of law (except to establish jurisdiction), has also agreed to entry of a Consent Order related to a since-discontinued program in its auto lending business that placed collateral protection insurance on certain auto loans. Under the Consent Order, Fifth Third has agreed to pay a $5 million civil monetary penalty related to those issues, maintain existing policy changes related to its auto servicing practices, agreed to create a compliance plan to ensure its compliance with the order and provide a redress plan to remediate certain customers within a redress period beginning July 21, 2011 and ending December 31, 2020. Howards v. Fifth Third Bank On March 8, 2018, Plaintiff Troy Howards filed a putative class action against Fifth Third Bank in the United States District Court for the Central District of California (Case No. 1:18-CV-869, S.D. OH 2018), alleging that Fifth Third improperly charged certain fees related to insufficient funds, customer overdrafts, and out-of-network ATM use. Venue was subsequently transferred to the United States District Court for the Southern District of Ohio. Plaintiff filed claims for breach of contract, breach of the implied covenant of good faith and fair dealing, for violation of the California Unfair Competition Law (Ca. Bus. & Prof. Code sec. 17200, et seq.), and the California Consumer Legal Remedies Act (Cal. Civ. Code sec. 1750 et seq.). Plaintiff seeks to represent putative nationwide classes and California classes of consumers allegedly charged improper repeated insufficient funds fees, improper overdraft fees, and fees for out-of-network ATM use from the beginning of the applicable statute of limitations to present. Plaintiff seeks damages of restitution and disgorgement in the amount of the allegedly unlawfully charged fees, damages proved at trial together with interest as allowed by applicable law. Fifth Third filed a motion to dismiss all claims. On February 6, 2023, the trial court issued an order dismissing the Plaintiff’s breach of contract claim with respect to out-of-network ATM fees and dismissing the two claims for violations of California consumer protection statutes. The Court denied Fifth Third’s motion to dismiss as it relates to the claims for breach of contract and breach of the implied covenant of good faith and fair dealing for certain customer overdrafts and insufficient funds fees. The case is in discovery, and no trial date has been set. Other litigation The Bancorp and its subsidiaries are not parties to any other material litigation at this time. However, there are other litigation matters that arise in the normal course of business, which include, or may include, claims related to product features, pricing and other lending practices. For example, Fifth Third Bank, National Association is currently responding to lawsuits regarding bankruptcies and practices of residential solar installers as well as lending practices of credit providers to this market, which includes Dividend Solar Finance, LLC, which the Bank acquired in May 2022. While it is impossible to ascertain the ultimate resolution or range of financial liability with respect to these contingent matters, management believes that the resulting liability, if any, from these other actions would not have a material effect upon the Bancorp’s consolidated financial position, results of operations or cash flows. However, it is possible that the ultimate resolution of a matter, if unfavorable, may be material to the Bancorp’s consolidated financial position, results of operations or cash flows. Governmental Investigations and Proceedings The Bancorp and/or its affiliates are or may become involved in information-gathering requests, reviews, investigations and proceedings (both formal and informal) by various governmental regulatory agencies and law enforcement authorities, including but not limited to the FRB, OCC, CFPB, SEC, FINRA, U.S. Department of Justice, etc., as well as state and other governmental authorities and self-regulatory bodies regarding their respective businesses. For example, Fifth Third Bank, National Association is currently cooperating with investigations related to several civil investigative demands by a number of state attorneys general regarding the residential solar installation industry and lending practices of credit providers to this market, which includes Dividend Solar Finance, LLC, which the Bank acquired in May 2022. Among these are investigations related to multiple lenders by a coalition of 17 state attorneys general relating to the Chapter 7 bankruptcy filing of one such installer, Power Home Solar, LLC, dba Pink Energy. Dividend Solar Finance, LLC financed installations of Power Home Solar, LLC customers in 11 of the 17 states represented by the coalition. Additional matters will likely arise from time to time. Any of these matters may result in material adverse consequences or reputational harm to the Bancorp, its affiliates and/or their respective directors, officers and other personnel, including adverse judgments, findings, settlements, fines, penalties, orders, injunctions or other actions, amendments and/or restatements of the Bancorp’s SEC filings and/or financial statements, as applicable, and/or determinations of material weaknesses in our disclosure controls and procedures. Investigations by regulatory authorities may from time to time result in civil or criminal referrals to law enforcement. Additionally, in some cases, regulatory authorities may take supervisory actions that are considered to be confidential supervisory information which may not be publicly disclosed. Reasonably Possible Losses in Excess of Accruals The Bancorp and its subsidiaries are parties to numerous claims and lawsuits as well as threatened or potential actions or claims concerning matters arising from the conduct of its business activities. The outcome of claims or litigation and the timing of ultimate resolution are inherently difficult to predict. The following factors, among others, contribute to this lack of predictability: claims often include significant legal uncertainties, damages alleged by plaintiffs are often unspecified or overstated, discovery may not have started or may not be complete and material facts may be disputed or unsubstantiated. As a result of these factors, the Bancorp is not always able to provide an estimate of the range of reasonably possible outcomes for each claim. An accrual for a potential litigation loss is established when information related to the loss contingency indicates both that a loss is probable and that the amount of loss can be reasonably estimated. Any such accrual is adjusted from time to time thereafter as appropriate to reflect changes in circumstances. The Bancorp also determines, when possible (due to the uncertainties described above), estimates of reasonably possible losses or ranges of reasonably possible losses, in excess of amounts accrued. Under U.S. GAAP, an event is “reasonably possible” if “the chance of the future event or events occurring is more than remote but less than likely” and an event is “remote” if “the chance of the future event or events occurring is slight.” Thus, references to the upper end of the range of reasonably possible loss for cases in which the Bancorp is able to estimate a range of reasonably possible loss mean the upper end of the range of loss for cases for which the Bancorp believes the risk of loss is more than slight. For matters where the Bancorp is able to estimate such possible losses or ranges of possible losses, the Bancorp currently estimates that it is reasonably possible that it could incur losses related to legal and regulatory proceedings in an aggregate amount up to approximately $92 million in excess of amounts accrued, with it also being reasonably possible that no losses will be incurred in these matters. The estimates included in this amount are based on the Bancorp’s analysis of currently available information, and as new information is obtained the Bancorp may change its estimates. For these matters and others where an unfavorable outcome is reasonably possible but not probable, there may be a range of possible losses in excess of the established accrual that cannot be estimated. Based on information currently available, advice of counsel, available insurance coverage and established accruals, the Bancorp believes that the eventual outcome of the actions against the Bancorp and/or its subsidiaries, including the matters described above, will not, individually or in the aggregate, have a material adverse effect on the Bancorp’s consolidated financial position. However, in the event of unexpected future developments, it is possible that the ultimate resolution of those matters, if unfavorable, may be material to the Bancorp’s results of operations for any particular period, depending, in part, upon the size of the loss or liability imposed and the operating results for the applicable period.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Related Party Transactions	Related Party Transactions The Bancorp maintains written policies and procedures covering related party transactions with principal shareholders, directors and executives of the Bancorp. These policies and procedures cover transactions such as employee-stock purchase loans, personal lines of credit, residential secured loans, overdrafts, letters of credit and increases in indebtedness. Such transactions are subject to the Bancorp’s normal underwriting and approval procedures. Prior to approving a loan to a related party, Compliance Risk Management must review and determine whether the transaction requires approval from or a post notification to the Bancorp’s Board of Directors. At December 31, 2024 and 2023, certain directors, executive officers, principal holders of Bancorp common stock and their related interests were indebted, including undrawn commitments to lend, to the Bancorp’s banking subsidiary. The following table summarizes the Bancorp’s lending activities with its principal shareholders, directors, executives and their related interests at December 31: ($ in millions) 2024 2023 Commitments to lend, net of participations: Directors and their affiliated companies $ 162 165 Executive officers 3 3 Total $ 165 168 Outstanding balance on loans, net of participations and undrawn commitments $ 56 111

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The Bancorp and its subsidiaries file a consolidated federal income tax return. The following is a summary of applicable income taxes included in the Consolidated Statements of Income for the years ended December 31: ($ in millions) 2024 2023 2022 Current income tax expense: U.S. Federal income taxes $ 452 647 570 State and local income taxes 75 96 126 Foreign income taxes 3 2 11 Total current income tax expense 530 745 707 Deferred income tax expense (benefit): U.S. Federal income taxes 84 (81) (31) State and local income taxes (13) (23) (29) Foreign income taxes 1 (2) — Total deferred income tax expense (benefit) 72 (106) (60) Applicable income tax expense $ 602 639 647 The current U.S. Federal income taxes above include proportional amortization for qualifying CDC investments of $200 million, $200 million and $189 million for the years ended December 31, 2024, 2023 and 2022, respectively. The following is a reconciliation between the statutory U.S. Federal income tax rate and the Bancorp’s effective tax rate for the years ended December 31: 2024 2023 2022 Statutory tax rate 21.0 % 21.0 21.0 Increase (decrease) resulting from: State taxes, net of federal benefit 1.7 1.9 2.5 Tax-exempt income (0.9) (0.8) (0.8) Tax credits and other tax benefits from CDC investments (8.5) (7.7) (7.1) Proportional amortization of qualifying CDC investments 6.8 6.7 6.1 Other tax credits (0.1) (0.7) (0.4) Other, net 0.6 1.0 (0.3) Effective tax rate 20.6 % 21.4 21.0 As discussed in Note 1, the Bancorp adopted ASU 2023-02 on January 1, 2024 which expanded the permitted usage of the proportional amortization method to include additional tax credit programs beyond qualifying LIHTC structures if certain conditions are met. As a result, tax credits and other tax benefits from CDC investments in the rate reconciliation table for the year ended December 31, 2024 include Low-Income Housing, New Markets and Rehabilitation Investment tax credits and other related tax benefits from those investments. For the years ended December 31, 2023 and 2022, prior to the adoption of ASU 2023-02, tax credits and other tax benefits from CDC investments only include the tax credits and other related tax benefits pertaining to investments in the Low-Income Housing tax credit program, with the credits arising from the Bancorp’s investments in the New Markets and Rehabilitation Investment tax credit programs presented as a component of other tax credits. Other tax credits in the rate reconciliation table also include the Increasing Research Activities and Qualified Zone Academy Bond tax credits. Tax-exempt income in the rate reconciliation table includes interest on municipal bonds, interest on tax-exempt lending, and income on life insurance policies held by the Bancorp. The following table provides a reconciliation of the beginning and ending amounts of the Bancorp’s unrecognized tax benefits: ($ in millions) 2024 2023 2022 Unrecognized tax benefits at January 1 $ 97 94 102 Gross increases for tax positions taken during prior period 12 14 3 Gross decreases for tax positions taken during prior period (7) (5) (5) Gross increases for tax positions taken during current period 21 15 11 Settlements with taxing authorities (1) (1) — Lapse of applicable statute of limitations (21) (20) (17) Unrecognized tax benefits at December 31 (a) $ 101 97 94 (a) All amounts represent unrecognized tax benefits that, if recognized, would affect the annual effective tax rate. The Bancorp’s unrecognized tax benefits as of December 31, 2024, 2023 and 2022 primarily related to state income tax exposures from taking tax positions where the Bancorp believes it is likely that, upon examination, a state would take a position contrary to the position taken by the Bancorp. While it is reasonably possible that the amount of the unrecognized tax benefits with respect to certain of the Bancorp’s uncertain tax positions could increase or decrease during the next twelve months, the Bancorp believes it is unlikely that its unrecognized tax benefits will change by a material amount during the next twelve months. Deferred income taxes are comprised of the following items at December 31: ($ in millions) 2024 2023 Deferred tax assets: Other comprehensive income $ 1,459 1,395 Allowance for loan and lease losses 494 488 Loan origination fees and costs 199 195 Deferred compensation 115 114 Reserves 38 33 State deferred taxes 35 43 Reserves for unfunded commitments 28 35 Federal net operating loss carryforwards 7 19 State net operating loss carryforwards 6 11 Other 138 135 Total deferred tax assets $ 2,519 2,468 Deferred tax liabilities: Lease financing $ 583 551 MSRs and related economic hedges 153 141 Bank premises and equipment 76 68 Goodwill and intangible assets 64 70 Investments in joint ventures and partnership interests 48 58 Other 168 143 Total deferred tax liabilities $ 1,092 1,031 Total net deferred tax asset $ 1,427 1,437 At December 31, 2024 and 2023, the Bancorp recorded deferred tax assets of $6 million and $11 million, respectively, related to state net operating loss carryforwards. The deferred tax assets relating to state net operating losses are presented net of specific valuation allowances of $7 million and $5 million at December 31, 2024 and 2023, respectively. If these carryforwards are not utilized, they will expire in varying amounts through 2044. The Bancorp has determined that a valuation allowance is not needed against the remaining deferred tax assets as of December 31, 2024 or 2023. The Bancorp considered all of the positive and negative evidence available to determine whether it is more likely than not that the deferred tax assets will ultimately be realized and, based upon that evidence, the Bancorp believes it is more likely than not that the deferred tax assets recorded at December 31, 2024 and 2023 will ultimately be realized. The Bancorp reached this conclusion as it is expected that the Bancorp’s remaining deferred tax assets will be realized through the reversal of its existing taxable temporary differences, its projected future taxable income and tax-planning strategies. The statute of limitations for the Bancorp’s federal income tax returns remains open for tax years 2020 through 2024. On occasion, as various state and local taxing jurisdictions examine the returns of the Bancorp and its subsidiaries, the Bancorp may agree to extend the statute of limitations for a reasonable period of time. Otherwise, the statutes of limitations for state income tax returns remain open only for tax years in accordance with each state’s statutes. Any interest and penalties incurred in connection with income taxes are recorded as a component of applicable income tax expense in the Consolidated Financial Statements. During the years ended December 31, 2024, 2023 and 2022, the Bancorp recognized $1 million, $2 million and $1 million, respectively, of interest expense in connection with income taxes. At December 31, 2024 and 2023, the Bancorp had accrued interest liabilities, net of the related tax benefits, of $11 million and $10 million, respectively. No material liabilities were recorded for penalties related to income taxes.

Retirement and Benefit Plans

Retirement and Benefit Plans	12 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
Retirement and Benefit Plans	Retirement and Benefit Plans The Bancorp’s qualified defined benefit plan’s benefits were frozen in 1998, except for grandfathered employees. The Bancorp’s other defined benefit retirement plans consist of non-qualified plans which are frozen and funded on an as-needed basis. A majority of these plans were obtained in acquisitions and are included with the qualified defined benefit plan in the following tables (“the Plan”). The Bancorp recognizes the overfunded or underfunded status of the Plan in other assets and accrued taxes, interest and expenses, respectively, in the Consolidated Balance Sheets. The following table summarizes the defined benefit retirement plans as of and for the years ended December 31: ($ in millions) 2024 2023 Fair value of plan assets at January 1 $ 102 109 Actual return on assets (3) 5 Contributions 1 2 Settlement (7) (7) Benefits paid (6) (7) Fair value of plan assets at December 31 $ 87 102 Projected benefit obligation at January 1 $ 113 120 Interest cost 5 6 Settlement (7) (7) Actuarial (gain) loss (5) 1 Benefits paid (6) (7) Projected benefit obligation at December 31 $ 100 113 Underfunded projected benefit obligation at December 31 $ (13) (11) Accumulated benefit obligation at December 31 (a) $ 100 113 (a) Since the Plan ’ s benefits are frozen, the rate of compensation increase is no longer an assumption used to calculate the accumulated benefit obligation. Therefore, the accumulated benefit obligation was the same as the projected benefit obligation at both December 31, 2024 and 2023. The following table summarizes net periodic benefit cost and other changes in the Plan’s assets and benefit obligations recognized in OCI for the years ended December 31: ($ in millions) 2024 2023 2022 Components of net periodic benefit cost: Interest cost $ 5 6 5 Expected return on assets (5) (5) (4) Amortization of net actuarial loss 2 2 3 Settlement 2 2 3 Net periodic benefit cost $ 4 5 7 Other changes in plan assets and benefit obligations recognized in other comprehensive income: Net actuarial loss (gain) $ 2 1 (11) Amortization of net actuarial loss (2) (2) (3) Settlement (1) (2) (3) Total recognized in other comprehensive income (1) (3) (17) Total recognized in net periodic benefit cost and other comprehensive income $ 3 2 (10) Fair Value Measurements of Plan Assets The following tables summarize Plan assets measured at fair value on a recurring basis as of December 31: Fair Value Measurements Using (a) 2024 ($ in millions) Level 1 Level 2 Level 3 Total Fair Value Cash equivalents $ 3 — — 3 Debt securities: U.S. Treasury and federal agencies securities 48 3 — 51 Asset-backed securities and other debt securities (b) — 33 — 33 Total debt securities $ 48 36 — 84 Total Plan assets $ 51 36 — 87 (a) For further information on fair value hierarchy levels, refer to Note 1. (b) Includes corporate bonds. Fair Value Measurements Using (a) 2023 ($ in millions) Level 1 Level 2 Level 3 Total Fair Value Cash equivalents $ 7 — — 7 Debt securities: U.S. Treasury and federal agencies securities 52 3 — 55 Asset-backed securities and other debt securities (b) — 40 — 40 Total debt securities $ 52 43 — 95 Total Plan assets $ 59 43 — 102 (a) For further information on fair value hierarchy levels, refer to Note 1. (b) Includes corporate bonds. The following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy. Cash equivalents Cash equivalents are comprised of money market mutual funds that invest in short-term money market instruments that are issued and payable in U.S. dollars. The Plan measures its cash equivalent funds that are exchange-traded using the fund’s quoted price, which is in an active market. Therefore, these investments are classified within Level 1 of the valuation hierarchy. Debt securities Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include U.S. Treasury securities. If quoted market prices are not available, then fair values are estimated using pricing models which primarily utilize quoted prices of securities with similar characteristics. Examples of such instruments, which are classified within Level 2 of the valuation hierarchy, include federal agencies securities and asset-backed securities and other debt securities. Plan Assumptions The Plan’s assumptions are evaluated annually and are updated as necessary. The discount rate assumption reflects the yield on a portfolio of high quality fixed-income instruments that have a similar duration to the Plan’s liabilities. The expected long-term rate of return assumption reflects the average return expected on the assets invested to provide for the Plan’s liabilities. In determining the expected long-term rate of return, the Bancorp evaluated actuarial and economic inputs, including long-term inflation rate assumptions and broad equity and bond indices long-term return projections, as well as actual long-term historical plan performance. The following table summarizes the weighted-average plan assumptions for the years ended December 31: 2024 2023 2022 For measuring benefit obligations at year end: Discount rate 5.58 % 5.04 5.37 For measuring net periodic benefit cost: Discount rate 5.08 5.50 3.69 Expected return on plan assets 5.09 5.52 3.91 Lowering both the expected rate of return on the plan assets and the discount rate by 0.25% would have increased the 2024 pension expense by approximately $1 million. Based on the actuarial assumptions, the Bancorp expects to contribute $1 million to the Plan in 2025. Estimated pension benefit payments are $12 million for 2025, $12 million for 2026, $11 million for 2027, $10 million for 2028 and $10 million for 2029. The total estimated payments for the years 2030 through 2034 is $39 million. Investment Policies and Strategies The Bancorp’s policy for the investment of Plan assets is to employ investment strategies that achieve a range of weighted-average target asset allocations relating to equity securities, fixed-income securities (including U.S. Treasury and federal agencies securities, mortgage-backed securities, asset-backed securities, corporate bonds and municipal bonds), alternative strategies (including traditional mutual funds, precious metals and commodities) and cash. The following table provides the Bancorp’s targeted and actual weighted-average asset allocations by asset category, with mutual and exchange-traded funds incorporated according to their underlying investments, for the years ended December 31: Targeted Range (a) 2024 2023 Fixed-income securities 50-100 % 95 90 Cash or cash equivalents 0-100 5 10 Total 100 % 100 (a) These reflect the targeted ranges for the year ended December 31, 2024. Plan Management’s objective is to achieve and maintain a fully-funded status of the qualified defined benefit plan while also minimizing the risk of excess assets. As a result, the portfolio assets of the qualified defined benefit plan will continue to increase the weighting of long duration fixed income, or liability matching assets, as the funded status increases. There were no significant concentrations of risk associated with the investments of the Plan at December 31, 2024. Permitted asset classes of the Plan include cash and cash equivalents, fixed-income (domestic and non-U.S. bonds), equities (U.S., non-U.S., emerging markets and real estate investment trusts), equipment leasing and mortgages. The Plan utilizes derivative instruments including puts, calls, straddles or other option strategies, as approved by management. Fifth Third Bank, National Association, as Trustee, is expected to manage Plan assets in a manner consistent with the Plan agreement and other regulatory, federal and state laws. The Fifth Third Bank Pension, 401(k) and Medical Plan Committee (the “Committee”) is the plan administrator. The Trustee is required to provide to the Committee monthly and quarterly reports covering a list of Plan assets, portfolio performance, transactions and asset allocation. The Trustee is also required to keep the Committee apprised of any material changes in the Trustee’s outlook and recommended investment policy. There were no fees paid by the Plan for investment management, accounting or administrative services provided by the Trustee for the years ended December 31, 2024, 2023 and 2022. Other Information on Retirement and Benefit Plans

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Accumulated Other Comprehensive Income	Accumulated Other Comprehensive Income The tables below present the activity of the components of OCI and AOCI for the years ended December 31: Total OCI Total AOCI 2024 ($ in millions) Pre-tax Tax Net Beginning Net Ending Unrealized holding gains on available-for-sale debt securities $ 27 (12) 15 Unrealized losses on available-for-sale debt securities transferred to 994 (209) 785 Reclassification adjustment for net losses on available-for-sale debt 18 (4) 14 Net unrealized losses on available-for-sale debt securities 1,039 (225) 814 (4,094) 814 (3,280) Unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities (994) 209 (785) Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income 129 (28) 101 Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities (865) 181 (684) — (684) (684) Unrealized holding losses on cash flow hedge derivatives arising (724) 172 (552) Reclassification adjustment for net losses on cash flow hedge 351 (81) 270 Net unrealized losses on cash flow hedge derivatives (373) 91 (282) (372) (282) (654) Net actuarial loss arising during the year (2) — (2) Reclassification of amounts to net periodic benefit costs 3 — 3 Defined benefit pension plans, net 1 — 1 (17) 1 (16) Other 2 — 2 (4) 2 (2) Total $ (196) 47 (149) (4,487) (149) (4,636) Total OCI Total AOCI 2023 ($ in millions) Pre-tax Tax Net Beginning Net Ending Unrealized holding gains on available-for-sale debt securities $ 656 (162) 494 Reclassification adjustment for net losses on available-for-sale debt 1 — 1 Net unrealized losses on available-for-sale debt securities 657 (162) 495 (4,589) 495 (4,094) Unrealized holding losses on cash flow hedge derivatives arising (171) 40 (131) Reclassification adjustment for net losses on cash flow hedge 334 (77) 257 Net unrealized losses on cash flow hedge derivatives 163 (37) 126 (498) 126 (372) Net actuarial loss arising during the year (1) — (1) Reclassification of amounts to net periodic benefit costs 4 (1) 3 Defined benefit pension plans, net 3 (1) 2 (19) 2 (17) Other — — — (4) — (4) Total $ 823 (200) 623 (5,110) 623 (4,487) Total OCI Total AOCI 2022 ($ in millions) Pre-tax Tax Net Beginning Net Ending Unrealized holding losses on available-for-sale debt securities $ (7,194) 1,716 (5,478) Reclassification adjustment for net gains on available-for-sale debt (2) — (2) Net unrealized losses on available-for-sale debt securities (7,196) 1,716 (5,480) 891 (5,480) (4,589) Unrealized holding losses on cash flow hedge derivatives arising (1,006) 232 (774) Reclassification adjustment for net gains on cash flow hedge (99) 22 (77) Net unrealized losses on cash flow hedge derivatives (1,105) 254 (851) 353 (851) (498) Net actuarial gain arising during the year 11 (2) 9 Reclassification of amounts to net periodic benefit costs 6 (1) 5 Defined benefit pension plans, net 17 (3) 14 (33) 14 (19) Other — — — (4) — (4) Total $ (8,284) 1,967 (6,317) 1,207 (6,317) (5,110) The table below presents reclassifications out of AOCI for the years ended December 31: ($ in millions) Consolidated Statements of 2024 2023 2022 Net unrealized losses on available-for-sale debt securities: (a) Net (losses) gains included in net income Securities gains (losses), net $ (18) (1) 2 Income before income taxes (18) (1) 2 Applicable income tax expense 4 — — Net income (14) (1) 2 Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities: (a) Net losses included in net income Interest on securities (129) — — Income before income taxes (129) — — Applicable income tax expense 28 — — Net income (101) — — Net unrealized losses on cash flow hedge derivatives: (a) Interest rate contracts related to C&I, commercial mortgage and commercial construction loans Interest and fees on loans and leases (351) (334) 99 Income before income taxes (351) (334) 99 Applicable income tax expense 81 77 (22) Net income (270) (257) 77 Net periodic benefit costs: (a) Amortization of net actuarial loss Compensation and benefits (b) (2) (2) (3) Settlements Compensation and benefits (b) (1) (2) (3) Income before income taxes (3) (4) (6) Applicable income tax expense — 1 1 Net income (3) (3) (5) Other: (a) Net losses included in net income Other noninterest expense (2) — — Income before income taxes (2) — — Applicable income tax expense — — — Net income (2) — — Total reclassifications for the period Net income $ (390) (261) 74 (a) Amounts in parentheses indicate reductions to net income. (b) This AOCI component is included in the computation of net periodic benefit cost. Refer to Note 22 for information on the computation of net periodic benefit cost.

Common, Preferred and Treasury

Common, Preferred and Treasury Stock	12 Months Ended
	Dec. 31, 2024
Stockholders' Equity Note [Abstract]
Common, Preferred and Treasury Stock	Common, Preferred and Treasury Stock The table presents a summary of the share activity within common, preferred and treasury stock for the years ended: Common Stock Preferred Stock Treasury Stock ($ in millions, except share data) Value Shares Value Shares Value Shares December 31, 2021 $ 2,051 923,892,581 $ 2,116 278,000 $ (7,024) 241,114,917 Shares acquired for treasury — — — — (100) 3,079,462 Impact of stock transactions under stock — — — — 21 (3,687,834) Other — — — — — 156 December 31, 2022 $ 2,051 923,892,581 $ 2,116 278,000 $ (7,103) 240,506,701 Shares acquired for treasury — — — — (201) 5,589,996 Impact of stock transactions under stock — — — — 42 (3,328,926) December 31, 2023 $ 2,051 923,892,581 $ 2,116 278,000 $ (7,262) 242,767,771 Shares acquired for treasury — — — — (630) 15,043,170 Impact of stock transactions under stock — — — — 52 (3,772,190) December 31, 2024 $ 2,051 923,892,581 $ 2,116 278,000 $ (7,840) 254,038,751 Preferred Stock—Series L On July 30, 2020, the Bancorp issued in a registered public offering 350,000 depositary shares, representing 14,000 shares of 4.50% fixed-rate reset non-cumulative perpetual preferred stock, Series L, for net proceeds of approximately $346 million. Each preferred share has a $25,000 liquidation preference. The preferred stock accrues dividends on a non-cumulative basis at an annual rate of 4.50% through but excluding September 30, 2025. From, and including, September 30, 2025 and for each dividend reset period thereafter, dividends will accrue on the Series L preferred stock, on a non-cumulative basis, at a rate equal to the five-year U.S. Treasury rate as of the most recent reset dividend determination date plus 4.215%. Dividends will be payable, when, as and if declared by the Bancorp’s Board of Directors, quarterly in arrears on each of March 31, June 30, September 30 and December 31, beginning on September 30, 2020. Subject to obtaining all required regulatory approvals, on any dividend payment date on or after September 30, 2025, the Bancorp may redeem the Series L preferred stock and the related depositary shares in whole or in part, at 100% of their liquidation preference, plus an amount equal to any declared and unpaid dividends, without accumulation of any undeclared dividends. In addition, the Series L preferred stock and the related depositary shares may be redeemed, subject to obtaining all required regulatory approvals, in whole but not in part, at any time, following the occurrence of a regulatory capital event, at 100% of their liquidation preference, plus an amount equal to any declared and unpaid dividends, without accumulation of any undeclared dividends. The Series L preferred shares are not convertible into Bancorp common shares or any other securities. Preferred Stock—Series K On September 17, 2019, the Bancorp issued, in a registered public offering 10,000,000 depositary shares, representing 10,000 shares of 4.95% non-cumulative Series K perpetual preferred stock, for net proceeds of approximately $242 million. Each preferred share has a $25,000 liquidation preference. Subject to any required regulatory approval, the Bancorp may redeem the Series K preferred shares at its option in whole or in part, on any dividend payment date on or after September 30, 2024 and may redeem in whole, but not in part, at any time following a regulatory capital event. The Series K preferred shares are not convertible into Bancorp common shares or any other securities. Preferred Stock—Class B, Series A On August 26, 2019, the Bancorp issued 200,000 shares of 6.00% non-cumulative perpetual Class B preferred stock, Series A. Each preferred share has a $1,000 liquidation preference. These shares were issued to the holders of MB Financial, Inc.’s 6.00% non-cumulative perpetual preferred stock, Series C, in conjunction with the merger of MB Financial, Inc. with and into Fifth Third Bancorp. The newly issued shares of Class B preferred stock, Series A were recognized by the Bancorp at the carrying value previously assigned to the MB Financial, Inc. Series C preferred stock prior to the transaction. Subject to any required regulatory approval, the Bancorp may redeem the shares of Class B preferred stock, Series A at its option, in whole or in part, at any time on any dividend payment due date and may redeem, in whole but not in part, within 90 days following a regulatory capital treatment event. Preferred Stock—Series J On June 5, 2014, the Bancorp issued, in a registered public offering, 300,000 depositary shares, representing 12,000 shares of 4.90% fixed to floating-rate non-cumulative Series J perpetual preferred stock, for net proceeds of $297 million. Each preferred share has a $25,000 liquidation preference. The preferred stock accrued dividends, on a non-cumulative semi-annual basis, at an annual rate of 4.90% through but excluding September 30, 2019, at which time it converted to a quarterly floating-rate dividend of three-month LIBOR plus 3.129%. Pursuant to LIBOR transition, it later converted from a reference rate of three-month LIBOR to a reference rate of three-month CME Term SOFR on September 30, 2023. Following this conversion, the quarterly floating-rate dividend is three-month CME Term SOFR plus 3.129% plus the tenor spread adjustment of 0.26161%. Subject to any required regulatory approval, the Bancorp may redeem the Series J preferred shares at its option, in whole or in part, at any time. The Series J preferred shares are not convertible into Bancorp common shares or any other securities. Preferred Stock—Series I On December 9, 2013, the Bancorp issued, in a registered public offering, 18,000,000 depositary shares, representing 18,000 shares of 6.625% fixed to floating-rate non-cumulative Series I perpetual preferred stock, for net proceeds of $441 million. Each preferred share has a $25,000 liquidation preference. The preferred stock accrued dividends, on a non-cumulative quarterly basis, at an annual rate of 6.625% through but excluding December 31, 2023, at which time it converted to a quarterly floating-rate dividend of three-month CME Term SOFR plus 3.71% plus the tenor spread adjustment of 0.26161%. Subject to any required regulatory approval, the Bancorp may redeem the Series I preferred shares at its option in whole or in part, at any time. The Series I preferred shares are not convertible into Bancorp common shares or any other securities. Preferred Stock—Series H On May 16, 2013, the Bancorp issued, in a registered public offering, 600,000 depositary shares, representing 24,000 shares of 5.10% fixed to floating-rate non-cumulative Series H perpetual preferred stock, for net proceeds of $593 million. Each preferred share has a $25,000 liquidation preference. The preferred stock accrued dividends, on a non-cumulative semi-annual basis, at an annual rate of 5.10% through but excluding June 30, 2023, at which time it converted to a quarterly floating-rate dividend of three-month LIBOR plus 3.033%. Pursuant to LIBOR transition, it later converted from a reference rate of three-month LIBOR to a reference rate of three-month CME Term SOFR on September 30, 2023. Following this conversion, the quarterly floating-rate dividend is three-month CME Term SOFR plus 3.033% plus the tenor spread adjustment of 0.26161%. Subject to any required regulatory approval, the Bancorp may redeem the Series H preferred shares at its option in whole or in part, at any time. The Series H preferred shares are not convertible into Bancorp common shares or any other securities. Treasury Stock In June of 2019, the Board of Directors authorized the Bancorp to repurchase up to 100 million common shares in the open market or in privately negotiated transactions and to utilize any derivative or similar instrument to effect share repurchase transactions. Under this authorization, the Bancorp entered into and settled accelerated share repurchase transactions during the years ended December 31, 2024 and 2023. As part of these transactions, the Bancorp entered into forward contracts in which the final number of shares delivered at settlement was based on a discount to the average daily volume-weighted average price of the Bancorp’s common stock during the respective terms of each repurchase agreement. Each accelerated share repurchase was treated as two separate transactions: (i) the repurchase of treasury shares on the repurchase date and (ii) a forward contract indexed to the Bancorp’s common stock. The following table presents a summary of the Bancorp’s accelerated share repurchase transactions that were entered into and settled during the years ended December 31, 2024 and 2023: Repurchase Date Amount ($ in millions) Shares Repurchased on Repurchase Date Shares Received from Forward Contract Settlement Total Shares Repurchased Final Settlement Date January 24, 2023 200 4,911,875 678,121 5,589,996 March 6, 2023 June 12, 2024 125 3,011,621 496,767 3,508,388 June 27, 2024 July 23, 2024 200 4,160,548 713,340 4,873,888 August 5, 2024 October 22, 2024 300 5,879,640 781,254 6,660,894 December 18, 2024 The Bancorp increased the cost basis of shares repurchased during the years ended December 31, 2024 and 2023 by $5 million and $1 million, respectively, as a result of the excise tax on share repurchases.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Stock-Based Compensation	Stock-Based Compensation Stock-based awards are eligible for issuance under the Bancorp’s Incentive Compensation Plan to executives, directors and key employees of the Bancorp and its subsidiaries. The 2024 Incentive Compensation Plan was approved by shareholders on April 16, 2024 and authorized the issuance of up to 55 million shares as equity compensation. The plan authorizes the issuance of SARs, RSAs, RSUs, stock options, performance share or unit awards, dividend or dividend equivalent rights and stock awards. As of December 31, 2024, there were 54.5 million shares available for future issuance. Based on total stock-based awards outstanding (including SARs, RSUs, stock options and PSAs) and shares remaining for future grants under the 2024 Incentive Compensation Plan, the potential dilution to which the Bancorp’s common shareholders are exposed due to the potential that stock-based compensation will be awarded to executives, directors or key employees of the Bancorp and its subsidiaries is 11%. SARs, RSUs, stock options and PSAs outstanding represent 2% of the Bancorp’s issued shares at December 31, 2024. All of the Bancorp’s stock-based awards are to be settled with stock. The Bancorp has historically used treasury stock to settle stock-based awards, when available. SARs, issued at fair value based on the closing price of the Bancorp’s common stock on the date of grant, have terms up to ten years and vest and typically become exercisable ratably over a three year period of continued employment. The Bancorp does not grant discounted SARs or stock options, re-price previously granted SARs or stock options or grant reload stock options. RSUs are typically released after three three three Stock-based compensation expense was $164 million, $169 million and $165 million for the years ended December 31, 2024, 2023 and 2022, respectively, and is included in compensation and benefits expense in the Consolidated Statements of Income. The total related income tax benefit recognized was $34 million, $35 million and $34 million for the years ended December 31, 2024, 2023 and 2022, respectively. Stock Appreciation Rights The Bancorp uses assumptions, which are evaluated and revised as necessary, in estimating the grant-date fair value of each SAR grant. The weighted-average assumptions were as follows for the years ended December 31: 2024 2023 2022 Expected life (in years) 7 7 7 Expected volatility 33 % 31 31 Expected dividend yield 4.2 3.6 3.4 Risk-free interest rate 4.1 3.8 2.7 The expected life is generally derived from historical exercise patterns and represents the amount of time that SARs granted are expected to be outstanding. The expected volatility is based on a combination of historical and implied volatilities of the Bancorp’s common stock. The expected dividend yield is based on annual dividends divided by the Bancorp’s stock price. Annual dividends are based on projected dividends, estimated using an expected long-term dividend payout ratio, over the estimated life of the awards. The risk-free interest rate for periods within the contractual life of the SARs is based on the U.S. Treasury yield curve in effect at the time of grant. The grant-date fair value of SARs is measured using the Black-Scholes option-pricing model. The weighted-average grant-date fair value of SARs granted was $9.71, $10.49 and $12.76 per share for the years ended December 31, 2024, 2023 and 2022, respectively. The total grant-date fair value of SARs that vested during the years ended December 31, 2024, 2023 and 2022 was $3 million, $3 million and $2 million, respectively. At December 31, 2024, there was $2 million of stock-based compensation expense related to outstanding SARs not yet recognized. The expense is expected to be recognized over an estimated remaining weighted-average period at December 31, 2024 of 1.8 years. The following table summarizes SARs activity for the years ended December 31: 2024 2023 2022 SARs (in thousands, except per share data) Number of Weighted- Number of Weighted- Number of Weighted- Outstanding at January 1 7,331 $ 23.72 9,112 $ 22.22 11,185 $ 20.47 Granted 316 33.51 253 37.19 304 46.96 Exercised (3,010) 20.01 (2,011) 18.42 (2,358) 17.05 Forfeited or expired (1) 19.01 (23) 40.36 (19) 30.43 Outstanding at December 31 4,636 $ 26.80 7,331 $ 23.72 9,112 $ 22.22 Exercisable at December 31 4,063 $ 25.39 6,796 $ 22.44 8,487 $ 20.97 The following table summarizes outstanding and exercisable SARs by grant price per share at December 31, 2024: Outstanding SARs Exercisable SARs SARs (in thousands, except per share data) Number of Weighted-Average Grant Price Per Share Weighted- Number of Weighted-Average Grant Price Per Share Weighted- $10.01-$20.00 1,673 $ 18.28 0.9 1,673 $ 18.28 0.9 $20.01-$30.00 1,615 27.10 3.0 1,615 27.10 3.0 $30.01-$40.00 1,105 34.27 7.0 612 33.90 5.5 Over $40.00 243 49.51 7.1 163 49.51 7.1 All SARs 4,636 $ 26.80 3.4 4,063 $ 25.39 2.7 Restricted Stock Units The total grant-date fair value of RSUs that were released during the years ended December 31, 2024, 2023 and 2022 was $141 million, $130 million and $110 million, respectively. At December 31, 2024, there was $168 million of stock-based compensation expense related to outstanding RSUs not yet recognized. The expense is expected to be recognized over an estimated remaining weighted-average period at December 31, 2024 of 2.3 years. The following table summarizes RSUs activity for the years ended December 31: 2024 2023 2022 RSUs (in thousands, except per unit data) Units Weighted-Average Grant-Date Fair Value Per Unit Units Weighted-Average Grant-Date Fair Value Per Unit Units Weighted-Average Grant-Date Fair Value Per Unit Outstanding at January 1 10,365 $ 37.63 9,906 $ 38.04 9,487 $ 30.67 Granted 4,546 33.87 4,763 34.94 4,682 47.11 Released (3,751) 37.54 (3,696) 35.04 (3,608) 30.54 Forfeited (396) 36.37 (608) 38.75 (655) 37.12 Outstanding at December 31 10,764 $ 36.12 10,365 $ 37.63 9,906 $ 38.04 The following table summarizes outstanding RSUs by grant-date fair value per unit at December 31, 2024: Outstanding RSUs RSUs (in thousands) Units Weighted-Average Remaining Contractual Life (in years) Under $25.00 554 0.4 $25.01-$30.00 403 0.8 $30.01-$35.00 4,940 1.4 $35.01-$40.00 3,160 1.2 $40.01-$45.00 124 1.6 $45.01 and over 1,583 0.6 All RSUs 10,764 1.1 Stock Options There were no stock options granted during the years ended December 31, 2024, 2023 and 2022. The Bancorp generally utilizes the Black-Scholes option pricing model to measure the fair value of stock option grants. The total intrinsic value of stock options exercised was $2 million, $1 million and $2 million for the years ended December 31, 2024, 2023 and 2022, respectively. Cash received from stock options exercised was $2 million, $1 million and $1 million for the years ended December 31, 2024, 2023 and 2022, respectively. No stock options vested during the years ended December 31, 2024 and 2023 and an immaterial amount of stock options vested during the year ended December 31, 2022. As of December 31, 2024, the aggregate intrinsic value of both outstanding stock options and exercisable stock options was $2 million. The following table summarizes stock options activity for the years ended December 31: 2024 2023 2022 Stock Options (in thousands, except per share data) Number of Options Weighted-Average Exercise Price Per Share Number of Options Weighted-Average Exercise Price Per Share Number of Options Weighted-Average Exercise Price Per Share Outstanding at January 1 224 $ 21.45 312 $ 21.65 409 $ 21.51 Exercised (129) 21.03 (86) 21.97 (97) 21.06 Forfeited or expired — — (2) 27.71 — — Outstanding at December 31 95 $ 22.03 224 $ 21.45 312 $ 21.65 Exercisable at December 31 95 $ 22.03 224 $ 21.45 312 $ 21.65 The following table summarizes outstanding and exercisable stock options by exercise price per share at December 31, 2024: Outstanding Stock Options Exercisable Stock Options Stock Options (in thousands, except per share data) Number of Options Weighted-Exercise Price Per Share Weighted-Average Remaining Contractual Life (in years) Number of Options Weighted-Exercise Price Per Share Weighted-Average Remaining Contractual Life (in years) $10.01-$20.00 50 18.58 0.8 50 18.58 0.8 $20.01-$30.00 45 25.86 2.8 45 25.86 2.8 All stock options 95 $ 22.03 1.8 95 $ 22.03 1.8 Other Stock-Based Compensation PSAs are payable contingent upon the Bancorp achieving certain predefined performance targets over a three-year measurement period. Depending on performance, between zero and 1.2 million shares may be released to settle the PSAs outstanding at December 31, 2024 once the applicable performance periods are completed. Awards granted during the years ended December 31, 2024, 2023 and 2022 will be entirely settled in stock. The performance targets are based on the Bancorp’s performance relative to a defined peer group. PSAs use a performance-based metric based on return on average common equity in relation to peers. During the years ended December 31, 2024, 2023 and 2022, approximately 295 thousand, 256 thousand and 288 thousand PSAs, respectively, were granted by the Bancorp. These awards were granted at a weighted-average grant-date fair value of $33.51, $37.19 and $47.03 per unit during the years ended December 31, 2024, 2023 and 2022, respectively. During the years ended December 31, 2024, 2023 and 2022, approximately 355 thousand, 395 thousand and 429 thousand PSAs, respectively, were distributed to participants. These awards were distributed with a total grant date fair value of $12 million, $12 million and $11 million during the years ended December 31, 2024, 2023 and 2022, respectively. The Bancorp sponsors an employee stock purchase plan that allows qualifying employees to purchase shares of the Bancorp’s common stock with a 15% match. During the years ended December 31, 2024, 2023 and 2022, there were approximately 487 thousand, 768 thousand and 520 thousand shares, respectively, purchased by participants. The Bancorp recognized expense of $2 million in each of the years ended December 31, 2024, 2023 and 2022 related to this plan. This expense is included in compensation and benefits expense in the Consolidated Statements of Income. On April 16, 2024, the Bancorp’s shareholders approved the 2024 Employee Stock Purchase Plan. This plan allowed for the purchase of up to 15 million shares and cancelled the remaining 1.8 million shares available for purchase under the predecessor plan. Approximately 278 thousand shares purchased by participants during the year ended December 31, 2024 were under the Bancorp’s 2024 Employee Stock Purchase Plan, leaving approximately 14.7 million shares available for future issuance as of December 31, 2024.

Other Noninterest Income and Ot

Other Noninterest Income and Other Noninterest Expense	12 Months Ended
	Dec. 31, 2024
Noninterest Income [Abstract]
Other Noninterest Income and Other Noninterest Expense	Other Noninterest Income and Other Noninterest Expense The following table presents the major components of other noninterest income and other noninterest expense for the years ended December 31: ($ in millions) 2024 2023 2022 Other noninterest income: BOLI income $ 66 61 64 Private equity investment income 35 44 70 Equity method investment income 18 52 22 Income from the TRA associated with Worldpay, Inc. 11 22 46 Gains (losses) on sales of businesses 7 — (7) Loss on swap associated with the sale of Visa, Inc. Class B Shares (138) (94) (84) Other, net 13 6 38 Total other noninterest income $ 12 91 149 Other noninterest expense: FDIC insurance and other taxes $ 181 385 132 Leasing business expense 92 121 131 Losses and adjustments 86 91 91 Data processing 81 87 82 Dues and subscriptions 61 61 58 Travel 60 56 60 Securities recordkeeping 55 50 48 Professional service fees 49 53 54 Postal and courier 48 46 40 Cash and coin processing 47 48 44 Intangible amortization 35 43 47 Other, net 178 184 145 Total other noninterest expense $ 973 1,225 932

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share The following table provides the calculation of earnings per share and the reconciliation of earnings per share and earnings per diluted share for the years ended December 31: ($ in millions, except per share data) 2024 2023 2022 Net income available to common shareholders $ 2,155 2,212 2,330 Less: Income allocated to participating securities — — 2 Net income allocated to common shareholders 2,155 2,212 2,328 Average common shares outstanding - basic 682 684 689 Effect of dilutive stock-based awards 5 4 6 Average common shares outstanding - diluted 687 688 695 Earnings per share - basic 3.16 3.23 3.38 Earnings per share - diluted 3.14 3.22 3.35 Anti-dilutive stock-based awards excluded from diluted shares 1 6 3

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements The Bancorp measures certain financial assets and liabilities at fair value in accordance with U.S. GAAP, which defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. U.S. GAAP also establishes a fair value hierarchy, which prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. For more information regarding the fair value hierarchy and how the Bancorp measures fair value, refer to Note 1. Assets and Liabilities Measured at Fair Value on a Recurring Basis The following tables summarize assets and liabilities measured at fair value on a recurring basis as of: Fair Value Measurements Using December 31, 2024 ($ in millions) Level 1 Level 2 Level 3 Total Fair Value Assets: Available-for-sale debt and other securities: U.S. Treasury and federal agencies securities $ 4,360 — — 4,360 Obligations of states and political subdivisions securities — — — — Mortgage-backed securities: Agency residential mortgage-backed securities — 5,681 — 5,681 Agency commercial mortgage-backed securities — 20,832 — 20,832 Non-agency commercial mortgage-backed securities — 4,167 — 4,167 Asset-backed securities and other debt securities — 3,729 — 3,729 Available-for-sale debt and other securities (a) 4,360 34,409 — 38,769 Trading debt securities: U.S. Treasury and federal agencies securities 591 35 — 626 Obligations of states and political subdivisions securities — 120 — 120 Agency residential mortgage-backed securities — 10 — 10 Asset-backed securities and other debt securities — 429 — 429 Trading debt securities 591 594 — 1,185 Equity securities 307 34 — 341 Residential mortgage loans held for sale — 574 — 574 Residential mortgage loans (b) — — 108 108 Servicing rights — — 1,704 1,704 Derivative assets: Interest rate contracts 7 721 2 730 Foreign exchange contracts — 1,167 — 1,167 Commodity contracts 75 500 — 575 Derivative assets (c) 82 2,388 2 2,472 Total assets $ 5,340 37,999 1,814 45,153 Liabilities: Derivative liabilities: Interest rate contracts $ — 939 5 944 Foreign exchange contracts — 1,120 — 1,120 Equity contracts — — 170 170 Commodity contracts 57 507 — 564 Derivative liabilities (d) 57 2,566 175 2,798 Short positions: U.S. Treasury and federal agencies securities 139 — — 139 Asset-backed securities and other debt securities — 156 — 156 Equity securities 21 — — 21 Short positions (d) 160 156 — 316 Total liabilities $ 217 2,722 175 3,114 (a) Excludes FHLB, FRB and DTCC restricted stock holdings totaling $276, $500 and $2, respectively, at December 31, 2024. (b) Includes residential mortgage loans originated as held for sale and subsequently transferred to held for investment. (c) Included in other assets (d) Included in other liabilities Fair Value Measurements Using December 31, 2023 ($ in millions) Level 1 Level 2 Level 3 Total Fair Value Assets: Available-for-sale debt and other securities: U.S. Treasury and federal agencies securities $ 4,336 — — 4,336 Obligations of states and political subdivisions securities — 2 — 2 Mortgage-backed securities: Agency residential mortgage-backed securities — 10,282 — 10,282 Agency commercial mortgage-backed securities — 25,720 — 25,720 Non-agency commercial mortgage-backed securities — 4,445 — 4,445 Asset-backed securities and other debt securities — 4,912 — 4,912 Available-for-sale debt and other securities (a) 4,336 45,361 — 49,697 Trading debt securities: U.S. Treasury and federal agencies securities 640 7 — 647 Obligations of states and political subdivisions securities — 39 — 39 Agency residential mortgage-backed securities — 6 — 6 Asset-backed securities and other debt securities — 207 — 207 Trading debt securities 640 259 — 899 Equity securities 600 13 — 613 Residential mortgage loans held for sale — 334 — 334 Residential mortgage loans (b) — — 116 116 Servicing rights — — 1,737 1,737 Derivative assets: Interest rate contracts — 977 6 983 Foreign exchange contracts — 643 — 643 Commodity contracts 205 846 — 1,051 Derivative assets (c) 205 2,466 6 2,677 Total assets $ 5,781 48,433 1,859 56,073 Liabilities: Derivative liabilities: Interest rate contracts $ 5 1,202 6 1,213 Foreign exchange contracts — 600 — 600 Equity contracts — — 168 168 Commodity contracts 28 990 — 1,018 Derivative liabilities (d) 33 2,792 174 2,999 Short positions: U.S. Treasury and federal agencies securities 31 — — 31 Asset-backed securities and other debt securities — 76 — 76 Short positions (d) 31 76 — 107 Total liabilities $ 64 2,868 174 3,106 (a) Excludes FHLB, FRB and DTCC restricted stock holdings totaling $224, $496 and $2, respectively, at December 31, 2023. (b) Includes residential mortgage loans originated as held for sale and subsequently transferred to held for investment. (c) Included in other assets in the Consolidated Balance Sheets. (d) Included in other liabilities in the Consolidated Balance Sheets. The following is a description of the valuation methodologies used for significant instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy. Available-for-sale debt and other securities, trading debt securities and equity securities Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include U.S. Treasury securities and equity securities. If quoted market prices are not available, then fair values are estimated using pricing models which primarily utilize quoted prices of securities with similar characteristics. Level 2 securities may include federal agencies securities, obligations of states and political subdivisions securities, agency residential mortgage-backed securities, agency and non-agency commercial mortgage-backed securities, asset-backed securities and other debt securities and equity securities. These securities are generally valued using a market approach based on observable prices of securities with similar characteristics. Residential mortgage loans held for sale For residential mortgage loans held for sale for which the fair value election has been made, fair value is estimated based upon mortgage-backed securities prices and spreads to those prices or, for certain ARM loans, DCF models that may incorporate the anticipated portfolio composition, credit spreads of asset-backed securities with similar collateral and market conditions. The anticipated portfolio composition includes the effect of interest rate spreads and discount rates due to loan characteristics such as the state in which the loan was originated, the loan amount and the ARM margin. Residential mortgage loans held for sale that are valued based on mortgage-backed securities prices are classified within Level 2 of the valuation hierarchy as the valuation is based on external pricing for similar instruments. ARM loans classified as held for sale are also classified within Level 2 of the valuation hierarchy due to the use of observable inputs in the DCF model. These observable inputs include interest rate spreads from agency mortgage-backed securities market rates and observable discount rates. Residential mortgage loans For residential mortgage loans for which the fair value election has been made, and that are reclassified from held for sale to held for investment, the fair value estimation is based on mortgage-backed securities prices, interest rate risk and an internally developed credit component. Therefore, these loans are transferred from Level 2 to Level 3 of the valuation hierarchy. An adverse change in the loss rate or severity assumption would result in a decrease in fair value of the related loans. Servicing rights MSRs do not trade in an active, open market with readily observable prices. While sales of MSRs do occur, the precise terms and conditions typically are not readily available. Accordingly, the Bancorp estimates the fair value of MSRs using internal OAS models with certain unobservable inputs, primarily prepayment speed assumptions, OAS and weighted-average lives, resulting in a classification within Level 3 of the valuation hierarchy. Refer to Note 13 for further information on the assumptions used in the valuation of the Bancorp’s MSRs. Derivatives Exchange-traded derivatives valued using quoted prices and certain over-the-counter derivatives valued using active bids are classified within Level 1 of the valuation hierarchy. Most of the Bancorp’s derivative contracts are valued using DCF or other models that incorporate current market interest rates, credit spreads assigned to the derivative counterparties and other market parameters and, therefore, are classified within Level 2 of the valuation hierarchy. Such derivatives include basic and structured interest rate, foreign exchange and commodity swaps and options. Derivatives that are valued based upon models with significant unobservable market parameters are classified within Level 3 of the valuation hierarchy. At December 31, 2024 and 2023, derivatives classified as Level 3, which are valued using models containing unobservable inputs, consisted primarily of a total return swap associated with the Bancorp’s sale of Visa, Inc. Class B Shares as well as IRLCs, which utilize internally generated loan closing rate assumptions as a significant unobservable input in the valuation process. Under the terms of the total return swap, the Bancorp will make or receive payments based on subsequent changes in the conversion rate of the Visa, Inc. Class B Shares into Class A Shares. Additionally, the Bancorp will make a quarterly payment based on Visa’s stock price and the conversion rate of the Visa, Inc. Class B Shares into Class A Shares until the date on which the Covered Litigation is settled. The fair value of the total return swap was calculated using a DCF model based on unobservable inputs consisting of management’s estimate of the probability of certain litigation scenarios, the timing of the resolution of the Covered Litigation and Visa litigation loss estimates in excess, or shortfall, of the Bancorp’s proportional share of escrow funds. An increase in the loss estimate or a delay in the resolution of the Covered Litigation would result in an increase in the fair value of the derivative liability; conversely, a decrease in the loss estimate or an acceleration of the resolution of the Covered Litigation would result in a decrease in the fair value of the derivative liability. Refer to Note 18 for additional information on the Covered Litigation. The net asset fair value of the Bancorp’s IRLCs at December 31, 2024 was $2 million. Immediate decreases in current interest rates of 25 bps and 50 bps would result in increases in the fair value of the IRLCs of approximately $2 million and $3 million, respectively. Immediate increases in current interest rates of 25 bps and 50 bps would result in decreases in the fair value of the IRLCs of approximately $2 million and $4 million, respectively. An immediate 10% or 20% change in loan closing rates, either adverse or favorable, would not have a material impact on the fair value of IRLCs as of December 31, 2024. These sensitivities are hypothetical and should be used with caution, as changes in fair value based on a variation in assumptions typically cannot be extrapolated because the relationship of the change in assumptions to the change in fair value may not be linear. Short positions Where quoted prices are available in an active market, short positions are classified within Level 1 of the valuation hierarchy. Level 1 securities include U.S. Treasury securities and equity securities. If quoted market prices are not available, then fair values are estimated using pricing models which primarily utilize quoted prices of securities with similar characteristics and therefore are classified within Level 2 of the valuation hierarchy. Level 2 securities include asset-backed and other debt securities. The following tables are a reconciliation of assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3): Fair Value Measurements Using Significant Unobservable Inputs (Level 3) For the year ended December 31, 2024 ($ in millions) Residential Mortgage Loans Servicing Interest Rate Derivatives, Net (a) Equity Total Fair Value Balance, beginning of period $ 116 1,737 — (168) 1,685 Total (losses) gains (realized/unrealized): (b) Included in earnings (1) (77) 41 (138) (175) Purchases/originations — 49 (1) — 48 Sales — (5) — — (5) Settlements (11) — (43) 136 82 Transfers into Level 3 (c) 4 — — — 4 Balance, end of period $ 108 1,704 (3) (170) 1,639 The amount of total (losses) gains for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held at December 31, 2024 $ (1) 14 6 (138) (119) (a) Net interest rate derivatives include derivative assets and liabilities of $2 and $5, respectively, as of December 31, 2024. (b) There were no unrealized gains or losses for the period included in other comprehensive income for instruments still held at December 31, 2024. (c) Includes certain residential mortgage loans originated as held for sale that were transferred to held for investment. Fair Value Measurements Using Significant Unobservable Inputs (Level 3) For the year ended December 31, 2023 ($ in millions) Residential Mortgage Loans Servicing Interest Rate Derivatives, Net (a) Equity Total Fair Value Balance, beginning of period $ 123 1,746 (1) (195) 1,673 Total (losses) gains (realized/unrealized): (b) Included in earnings 2 (105) 53 (94) (144) Purchases/originations — 96 (3) — 93 Settlements (15) — (49) 121 57 Transfers into Level 3 (c) 6 — — — 6 Balance, end of period $ 116 1,737 — (168) 1,685 The amount of total (losses) gains for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held at December 31, 2023 $ 2 (28) 5 (94) (115) (a) Net interest rate derivatives include $6 for both derivative assets and liabilities as of December 31, 2023. (b) There were no unrealized gains or losses for the period included in other comprehensive income for instruments still held at December 31, 2023. (c) Includes certain residential mortgage loans originated as held for sale that were transferred to held for investment. Fair Value Measurements Using Significant Unobservable Inputs (Level 3) For the year ended December 31, 2022 ($ in millions) Residential Mortgage Loans Servicing Interest Rate Derivatives, Net (a) Equity Total Fair Value Balance, beginning of period $ 154 1,121 4 (214) 1,065 Total gains (losses) (realized/unrealized): (b) Included in earnings (18) 177 22 (84) 97 Purchases/originations — 448 1 — 449 Settlements (23) — (28) 103 52 Transfers into Level 3 (c) 10 — — — 10 Balance, end of period $ 123 1,746 (1) (195) 1,673 The amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held at December 31, 2022 $ (18) 311 6 (84) 215 (a) Net interest rate derivatives include derivative assets and liabilities of $7 and $8, respectively, as of December 31, 2022. (b) There were no unrealized gains or losses for the period included in other comprehensive income for instruments still held at December 31, 2022. (c) Includes certain residential mortgage loans originated as held for sale that were transferred to held for investment. The total losses and gains included in earnings for assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) were recorded in the Consolidated Statements of Income for the years ended December 31, 2024, 2023 and 2022 as follows: ($ in millions) 2024 2023 2022 Mortgage banking net revenue $ (38) (54) 177 Capital markets fees 2 4 4 Other noninterest income (139) (94) (84) Total (losses) gains $ (175) (144) 97 The total losses and gains included in earnings attributable to changes in unrealized gains and losses related to Level 3 assets and liabilities still held at December 31, 2024, 2023 and 2022 were recorded in the Consolidated Statements of Income as follows: ($ in millions) 2024 2023 2022 Mortgage banking net revenue $ 18 (25) 295 Capital markets fees 2 4 4 Other noninterest income (139) (94) (84) Total (losses) gains $ (119) (115) 215 The following tables present information as of December 31, 2024 and 2023 about significant unobservable inputs related to the Bancorp’s material categories of Level 3 financial assets and liabilities measured at fair value on a recurring basis: As of December 31, 2024 ($ in millions) Financial Instrument Fair Value Valuation Technique Significant Unobservable Range of Inputs Weighted-Average Residential mortgage loans $ 108 Loss rate model Interest rate risk factor (51.9) - 4.6% (13.3) % (a) Credit risk factor — - 0.5% 0.2 % (a) Servicing rights 1,704 DCF Prepayment speed — - 100.0% (Fixed) 5.8 % (b) (Adjustable) 16.9 % (b) OAS (bps) 420 - 1,823 (Fixed) 459 (b) (Adjustable) 731 (b) IRLCs, net 2 DCF Loan closing rates 20.8 - 96.0% 83.5 % (c) Swap associated with the sale of Visa, Inc. Class B Shares (170) DCF Timing of the resolution of the Covered Litigation Q2 2027 - Q1 2028 Q4 2027 (d) (a) Unobservable inputs were weighted by the relative carrying value of the instruments. (b) Unobservable inputs were weighted by the relative unpaid principal balance of the instruments. (c) Unobservable inputs were weighted by the relative notional amount of the instruments. (d) Unobservable inputs were weighted by the probability of the final funding date of the instruments. As of December 31, 2023 ($ in millions) Financial Instrument Fair Value Valuation Technique Significant Unobservable Range of Inputs Weighted-Average Residential mortgage loans $ 116 Loss rate model Interest rate risk factor (23.4) - 3.4% (11.6) % (a) Credit risk factor — - 0.6% 0.2 % (a) Servicing rights 1,737 DCF Prepayment speed — - 100.0% (Fixed) 5.9 % (b) (Adjustable) 20.3 % (b) OAS (bps) 477 - 1,447 (Fixed) 569 (b) (Adjustable) 1,016 (b) IRLCs, net 5 DCF Loan closing rates 20.9 - 96.0% 82.3 % (c) Swap associated with the sale of Visa, Inc. Class B Shares (168) DCF Timing of the resolution of the Covered Litigation Q4 2024 - Q1 2027 Q4 2025 (d) (a) Unobservable inputs were weighted by the relative carrying value of the instruments (b) Unobservable inputs were weighted by the relative unpaid principal balance of the instruments. (c) Unobservable inputs were weighted by the relative notional amount of the instruments. (d) Unobservable inputs were weighted by the probability of the final funding date of the instruments. Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis Certain assets and liabilities are measured at fair value on a nonrecurring basis. These assets and liabilities are not measured at fair value on an ongoing basis; however, they are subject to fair value adjustments in certain circumstances, such as when there is evidence of impairment. The following tables provide the fair value hierarchy and carrying amount of all assets that were held as of December 31, 2024 and 2023, and for which a nonrecurring fair value adjustment was recorded during the years ended December 31, 2024 and 2023, and the related gains and losses from fair value adjustments on assets sold during the period as well as assets still held as of the end of the period. Fair Value Measurements Using Total (Losses) Gains As of December 31, 2024 ($ in millions) Level 1 Level 2 Level 3 Total For the year ended December 31, 2024 Commercial loans held for sale $ — — 6 6 (1) Commercial loans and leases — — 168 168 (245) Consumer and residential mortgage loans — — 215 215 (17) OREO — — 2 2 (2) Bank premises and equipment — — 7 7 (1) Private equity investments — 3 — 3 11 Total $ — 3 398 401 (255) Fair Value Measurements Using Total Losses As of December 31, 2023 ($ in millions) Level 1 Level 2 Level 3 Total For the year ended December 31, 2023 Commercial loans held for sale $ — — 1 1 — Commercial loans and leases — — 163 163 (162) Consumer and residential mortgage loans — — 189 189 (12) OREO — — 18 18 (8) Bank premises and equipment — — 15 15 (2) Operating lease equipment — — 2 2 — Private equity investments — — — — (2) Total $ — — 388 388 (186) The following tables present information as of December 31, 2024 and 2023 about significant unobservable inputs related to the Bancorp’s material categories of Level 3 financial assets and liabilities measured on a nonrecurring basis: As of December 31, 2024 ($ in millions) Financial Instrument Fair Value Valuation Technique Significant Unobservable Inputs Ranges of Weighted-Average Commercial loans held for sale $ 6 Comparable company analysis Market comparable transactions NM NM Commercial loans and leases 168 Appraised value Collateral value NM NM Consumer and residential mortgage loans 215 Appraised value Collateral value NM NM OREO 2 Appraised value Appraised value NM NM Bank premises and equipment 7 Appraised value Appraised value NM NM As of December 31, 2023 ($ in millions) Financial Instrument Fair Value Valuation Technique Significant Unobservable Inputs Ranges of Weighted-Average Commercial loans held for sale $ 1 Comparable company analysis Market comparable transactions NM NM Commercial loans and leases 163 Appraised value Collateral value NM NM Consumer and residential mortgage loans 189 Appraised value Collateral value NM NM OREO 18 Appraised value Appraised value NM NM Bank premises and equipment 15 Appraised value Appraised value NM NM Operating lease equipment 2 Appraised value Appraised value NM NM Commercial loans held for sale The Bancorp estimated the fair value of certain commercial loans held for sale during the years ended December 31, 2024 and 2023. These valuations were primarily based on applying unobservable inputs such as an estimated market discount to the unpaid principal balance of the loans (Level 3 of the valuation hierarchy). Portfolio loans and leases During the years ended December 31, 2024 and 2023, the Bancorp recorded nonrecurring adjustments to certain collateral-dependent portfolio loans and leases. When a loan is collateral-dependent, the fair value of the loan is generally based on the fair value less cost to sell of the underlying collateral supporting the loan and therefore these loans were classified within Level 3 of the valuation hierarchy. In cases where the amortized cost basis of the loan or lease exceeds the estimated net realizable value of the collateral, then an ALLL is recognized, or a charge-off once the remaining amount is considered uncollectible. OREO During the years ended December 31, 2024 and 2023, the Bancorp recorded nonrecurring adjustments to certain commercial and residential real estate properties and branch-related real estate no longer intended to be used for banking purposes classified as OREO and measured at the lower of carrying amount or fair value. These nonrecurring losses were primarily due to declines in real estate values of the properties upon the transfer, or subsequent to the transfer, to OREO. The fair value amounts are generally based on appraisals of the property values, resulting in a classification within Level 3 of the valuation hierarchy. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized. Bank premises and equipment The Bancorp performs assessments of the recoverability of long-lived assets when events or changes in circumstances indicate that their carrying values may not be recoverable. These properties were written down to their lower of cost or market values. At least annually thereafter, the Bancorp will review these properties for market fluctuations. The fair value amounts were generally based on appraisals of the property values, resulting in a classification within Level 3 of the valuation hierarchy. For further information on bank premises and equipment, refer to Note 7. Private equity investments The Bancorp accounts for its private equity investments using the measurement alternative to fair value, except for those accounted for under the equity method of accounting. Under the measurement alternative, the Bancorp carries each investment at its cost basis minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for identical or similar investments of the same issuer. The Bancorp recognized gains of $11 million during the year ended December 31, 2024 and did not recognize gains during the year ended December 31, 2023, resulting from observable price changes. The carrying value of the Bancorp’s private equity investments still held as of December 31, 2024 includes a cumulative $20 million of positive adjustments as a result of observable price changes since January 1, 2018. Because these adjustments are based on observable transactions in inactive markets, they are classified in Level 2 of the fair value hierarchy. For private equity investments which are accounted for using the measurement alternative to fair value, the Bancorp qualitatively evaluates each investment quarterly to determine if impairment may exist. If necessary, the Bancorp then measures impairment by estimating the value of its investment and comparing that to the investment’s carrying value, whether or not the Bancorp considers the impairment to be temporary. These valuations are typically developed using a DCF method, but other methods may be used if more appropriate for the circumstances. These valuations are based on unobservable inputs and therefore are classified in Level 3 of the fair value hierarchy. The Bancorp did not recognize impairment charges during the year ended December 31, 2024 and recognized $2 million of impairment charges on its private equity investments for the year ended December 31, 2023. The carrying value of the Bancorp’s private equity investments still held as of December 31, 2024 includes a cumulative $15 million of impairment charges recognized since adoption of the measurement alternative to fair value on January 1, 2018. Fair Value Option The Bancorp elected to measure certain residential mortgage loans held for sale under the fair value option as allowed under U.S. GAAP. Electing to measure residential mortgage loans held for sale at fair value reduces certain timing differences and better matches changes in the value of these assets with changes in the value of derivatives used as economic hedges for these assets. Management’s intent to sell residential mortgage loans classified as held for sale may change over time due to such factors as changes in the overall liquidity in markets or changes in characteristics specific to certain loans held for sale. Consequently, these loans may be reclassified to loans held for investment and maintained in the Bancorp’s loan portfolio. In such cases, the loans will continue to be measured at fair value. Fair value changes recognized in earnings for residential mortgage loans held at December 31, 2024 and 2023 for which the fair value option was elected, as well as the changes in fair value of the underlying IRLCs, included losses of $11 million and $6 million, respectively. These changes are reported in mortgage banking net revenue in the Consolidated Statements of Income. Valuation adjustments related to instrument-specific credit risk for residential mortgage loans measured at fair value negatively impacted the fair value of those loans by an immaterial amount at both December 31, 2024 and 2023. Interest on loans measured at fair value is accrued as it is earned using the effective interest method and is reported as interest income in the Consolidated Statements of Income. The following table summarizes the difference between the fair value and the unpaid principal balance for residential mortgage loans measured at fair value as of: ($ in millions) Aggregate Fair Value Aggregate Unpaid Principal Balance Difference December 31, 2024 Residential mortgage loans measured at fair value $ 682 693 (11) Past due loans of 30-89 days 1 1 — Past due loans of 90 days or more 1 1 — Nonaccrual loans 2 2 — December 31, 2023 Residential mortgage loans measured at fair value $ 450 456 (6) Past due loans of 30-89 days 1 1 — Nonaccrual loans 2 2 — Fair Value of Certain Financial Instruments The following tables summarize the carrying amounts and estimated fair values for certain financial instruments, excluding financial instruments measured at fair value on a recurring basis: Net Carrying Fair Value Measurements Using Total As of December 31, 2024 ($ in millions) Amount Level 1 Level 2 Level 3 Fair Value Financial assets: Cash and due from banks $ 3,014 3,014 — — 3,014 Other short-term investments 17,120 17,120 — — 17,120 Other securities 778 — 778 — 778 Held-to-maturity securities 11,278 2,344 8,619 2 10,965 Loans and leases held for sale 66 — — 66 66 Portfolio loans and leases: Commercial loans and leases 72,139 — — 72,319 72,319 Consumer and residential mortgage loans 45,192 — — 42,155 42,155 Total portfolio loans and leases, net $ 117,331 — — 114,474 114,474 Financial liabilities: Deposits $ 167,252 — 167,353 — 167,353 Federal funds purchased 204 204 — — 204 Other short-term borrowings 4,450 — 4,459 — 4,459 Long-term debt 14,440 3,753 10,835 — 14,588 Net Carrying Fair Value Measurements Using Total As of December 31, 2023 ($ in millions) Amount Level 1 Level 2 Level 3 Fair Value Financial assets: Cash and due from banks $ 3,142 3,142 — — 3,142 Other short-term investments 22,082 22,082 — — 22,082 Other securities 722 — 722 — 722 Held-to-maturity securities 2 — — 2 2 Loans and leases held for sale 44 — — 44 44 Portfolio loans and leases: Commercial loans and leases 71,616 — — 71,766 71,766 Consumer and residential mortgage loans 43,180 — — 41,410 41,410 Total portfolio loans and leases, net $ 114,796 — — 113,176 113,176 Financial liabilities: Deposits $ 168,912 — 168,873 — 168,873 Federal funds purchased 193 193 — — 193 Other short-term borrowings 2,861 — 2,872 — 2,872 Long-term debt 16,418 14,481 1,903 — 16,384

Regulatory Capital Requirements

Regulatory Capital Requirements and Capital Ratios	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Capital Requirements and Capital Ratios	Regulatory Capital Requirements and Capital Ratios The Board of Governors of the Federal Reserve System issued capital adequacy guidelines pursuant to which it assesses the adequacy of capital in examining and supervising a BHC. These guidelines include quantitative measures that assign risk weightings to assets and off-balance sheet items, define and set minimum regulatory capital requirements as well as the measure of “well-capitalized” status. Additionally, the U.S. banking agencies issued similar guidelines for minimum regulatory capital requirements and “well-capitalized” measurements for banking subsidiaries. The following table summarizes the prescribed capital ratios for the Bancorp and its banking subsidiary. Minimum Well-Capitalized CET1 capital: Fifth Third Bancorp 4.50 % N/A Fifth Third Bank, National Association 4.50 6.50 Tier 1 risk-based capital: Fifth Third Bancorp 6.00 6.00 Fifth Third Bank, National Association 6.00 8.00 Total risk-based capital: Fifth Third Bancorp 8.00 10.00 Fifth Third Bank, National Association 8.00 10.00 Leverage: Fifth Third Bancorp 4.00 N/A Fifth Third Bank, National Association 4.00 5.00 Failure to meet the minimum capital requirements or falling below the “well-capitalized” measure can initiate certain actions by regulators that could have a direct material effect on the Consolidated Financial Statements of the Bancorp. The Bancorp is subject to the stress capital buffer requirement and must maintain capital ratios above its buffered minimum (regulatory minimum plus stress capital buffer) in order to avoid certain limitations on capital distributions and discretionary bonuses to executive officers. The FRB uses the supervisory stress test to determine the Bancorp’s stress capital buffer, subject to a floor of 2.5%. At December 31, 2024 and 2023, the Bancorp’s stress capital buffer requirement was 3.2% and 2.5%, respectively. The Bancorp’s capital ratios have exceeded the stress capital buffer requirement for all periods presented. The Bancorp and its banking subsidiary, Fifth Third Bank, National Association, had CET1 capital, Tier 1 risk-based capital, Total risk-based capital and Leverage ratios above the “well-capitalized” levels at both December 31, 2024 and 2023. To continue to qualify for financial holding company status pursuant to the Gramm-Leach-Bliley Act of 1999, the Bancorp’s banking subsidiary must, among other things, maintain “well-capitalized” capital ratios. The following table presents capital and risk-based capital and leverage ratios for the Bancorp and its banking subsidiary at December 31: 2024 2023 ($ in millions) Amount Ratio Amount Ratio CET1 capital: Fifth Third Bancorp $ 17,339 10.57 % $ 16,800 10.29 % Fifth Third Bank, National Association 20,943 12.86 20,147 12.42 Tier 1 risk-based capital: Fifth Third Bancorp 19,455 11.86 18,916 11.59 Fifth Third Bank, National Association 20,943 12.86 20,147 12.42 Total risk-based capital: Fifth Third Bancorp 22,746 13.86 22,400 13.72 Fifth Third Bank, National Association 23,116 14.19 22,463 13.85 Leverage: (a) Fifth Third Bancorp 19,455 9.22 18,916 8.73 Fifth Third Bank, National Association 20,943 10.02 20,147 9.38 (a) Quarterly average assets are a component of the Leverage ratio and for this purpose do not include goodwill and any other intangible assets and other investments that the U.S. banking agencies determine should be deducted from Tier 1 capital.

Parent Company Financial Statem

Parent Company Financial Statements	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Parent Company Financial Statements	Parent Company Financial Statements Condensed Statements of Income (Parent Company Only) For the years ended December 31 ($ in millions) 2024 2023 2022 Income Dividends from consolidated nonbank subsidiaries (a) $ 1,800 1,819 165 Securities gains (losses), net 3 4 (9) Interest 85 63 11 Total income 1,888 1,886 167 Expenses Interest 553 525 311 Other 27 39 19 Total expenses 580 564 330 Income (Loss) Before Income Taxes and Equity in Undistributed Earnings of Subsidiaries 1,308 1,322 (163) Applicable income tax benefit (115) (112) (76) Income (Loss) Before Equity in Undistributed Earnings of Subsidiaries 1,423 1,434 (87) Equity in undistributed earnings 891 915 2,533 Net Income $ 2,314 2,349 2,446 Other Comprehensive Income — — — Comprehensive Income $ 2,314 2,349 2,446 (a) Includes dividends paid by the Bancorp’s indirect banking subsidiary to the Bancorp’s direct nonbank subsidiary holding company of $1.8 billion for both the years ended December 31, 2024 and 2023. The Bancorp’s indirect banking subsidiary did not pay dividends during the year ended December 31, 2022. Condensed Balance Sheets (Parent Company Only) As of December 31 ($ in millions) 2024 2023 Assets Cash $ 969 120 Other short-term investments 3,106 6,500 Available-for-sale debt and other securities 2,500 1,000 Equity securities 29 34 Loans to nonbank subsidiaries 5 — Investment in nonbank subsidiaries 22,891 21,998 Goodwill 80 80 Other assets 156 179 Total Assets $ 29,736 29,911 Liabilities Other short-term borrowings $ 3 — Accrued expenses and other liabilities 567 631 Long-term debt (external) 9,521 10,108 Total Liabilities $ 10,091 10,739 Equity Common stock $ 2,051 2,051 Preferred stock 2,116 2,116 Capital surplus 3,804 3,757 Retained earnings 24,150 22,997 Accumulated other comprehensive loss (4,636) (4,487) Treasury stock (7,840) (7,262) Total Equity 19,645 19,172 Total Liabilities and Equity $ 29,736 29,911 Condensed Statements of Cash Flows (Parent Company Only) For the years ended December 31 ($ in millions) 2024 2023 2022 Operating Activities Net income $ 2,314 2,349 2,446 Adjustments to reconcile net income to net cash provided by operating activities: Amortization and accretion 7 7 7 Provision for (benefit from) deferred income taxes 2 1 (3) Securities (gains) losses, net (3) (4) 9 Equity in undistributed earnings (891) (915) (2,533) Net change in: Equity securities 8 4 6 Other assets (49) 147 (115) Accrued expenses and other liabilities (60) (126) 45 Net Cash Provided by (Used in) Operating Activities 1,328 1,463 (138) Investing Activities Proceeds from maturities of securities issued by subsidiary 1,000 1,000 — Purchase of securities issued by subsidiary (2,500) (1,000) (1,000) Net change in: Other short-term investments 3,394 (833) 567 Loans to nonbank subsidiaries (5) 60 132 Net Cash Provided by (Used in) Investing Activities 1,889 (773) (301) Financing Activities Net change in other short-term borrowings 3 (121) (240) Proceeds from issuance of long-term debt 1,742 1,244 2,986 Repayment of long-term debt (2,250) (500) (1,200) Dividends paid on common and preferred stock (1,176) (1,060) (927) Repurchase of treasury stock and related forward contract (625) (200) (100) Other, net (62) (53) (82) Net Cash (Used in) Provided by Financing Activities (2,368) (690) 437 Increase (Decrease) in Cash 849 — (2) Cash at Beginning of Period 120 120 122 Cash at End of Period $ 969 120 120

Subsequent Event

Subsequent Event	12 Months Ended
	Dec. 31, 2024
Subsequent Events [Abstract]
Subsequent Event	Subsequent Events On January 22, 2025, the Bancorp entered into an accelerated share repurchase transaction with a counterparty pursuant to which the Bancorp paid $225 million on January 23, 2025 to repurchase shares of its outstanding common stock. The Bancorp is repurchasing the shares of its common stock as part of its Board-approved 100 million share repurchase program previously announced on June 18, 2019. The Bancorp expects the settlement of the transaction to occur on or before March 28, 2025. On January 28, 2025, the Bank issued and sold, under its bank notes program, $700 million of fixed-rate/floating-rate senior notes due on January 28, 2028 . The senior notes will bear interest at a rate of 4.967% per annum to, but excluding, January 28, 2027. From, and including January 28, 2027 until maturity, the senior notes will bear interest at a rate of compounded SOFR plus 0.81%. The senior notes are redeemable at the Bank’s option, in whole, but not in part, one year prior to their maturity date, or in whole or in part beginning 30 days prior to maturity, at par plus accrued and unpaid interest. Additionally, the senior notes are redeemable at the Bank’s option, in whole or in part, beginning 180 days after the issue date and prior to January 28, 2027, at the greater of: (a) the aggregate principal amount of the senior notes being redeemed, plus accrued and unpaid interest, or (b) the sum of the present value of the remaining scheduled payments of principal and interest. On January 28, 2025, the Bank issued and sold, under its bank notes program, $300 million of floating-rate senior notes due on January 28, 2028. The senior notes will bear interest at a rate of compounded SOFR plus 0.81%. These senior notes are redeemable at the Bank’s option, in whole, but not in part, one year prior to their maturity date, or in whole or in part beginning 30 days prior to maturity, at par plus accrued and unpaid interest.

Business Segments

Business Segments	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Business Segments	Business Segments The Bancorp has three reportable segments: Commercial Banking, Consumer and Small Business Banking and Wealth and Asset Management. The Bancorp’s reportable segments have been determined based on its management structure and management accounting practices. This presentation is aligned with how results are reviewed internally by the Bancorp’s Chairman, Chief Executive Officer and President, which the Bancorp has determined to be its Chief Operating Decision Maker (“CODM”). For each of the Bancorp’s segments, the CODM primarily uses segment income before income taxes on an FTE basis to allocate resources such as employees and capital. The CODM also monitors trends in net interest income, noninterest income and noninterest expense to evaluate the financial performance of each segment and make resource allocation decisions. These decisions also consider segment-specific events and circumstances, general market conditions, forecasts and variances to annual budgets. Additionally, the CODM uses segment average assets as a measure to allocate resources to the segments. The Bancorp manages interest rate risk centrally at the corporate level. By employing an FTP methodology, the segments are insulated from most benchmark interest rate volatility, enabling them to focus on serving customers through the origination of loans and acceptance of deposits. The FTP methodology assigns charge and credit rates to classes of assets and liabilities, respectively, based on the estimated amount and timing of the cash flows for each transaction. Assigning the FTP rate based on matching the duration of cash flows allocates interest income and interest expense to each segment so its resulting net interest income is insulated from future changes in benchmark interest rates. The Bancorp’s FTP methodology also allocates the contribution to net interest income of the asset-generating and deposit-providing businesses on a duration-adjusted basis to better attribute the driver of the performance. As the asset and liability durations are not perfectly matched, the residual impact of the FTP methodology is captured in General Corporate and Other. The charge and credit rates are determined using the FTP rate curve, which is based on an estimate of Fifth Third’s marginal borrowing cost in the wholesale funding markets. The FTP curve is constructed using the U.S. swap curve, brokered CD pricing and unsecured debt pricing. The Bancorp adjusts the FTP charge and credit rates as dictated by changes in interest rates for various interest-earning assets and interest-bearing liabilities and by the review of behavioral assumptions, such as prepayment rates on interest-earning assets and the estimated durations for indeterminate-lived deposits. Key assumptions, including the credit rates provided for deposit accounts, are reviewed annually. Credit rates for deposit products and charge rates for loan products may be reset more frequently in response to changes in market conditions. The Bancorp’s methodology for allocating provision for credit losses to the segments includes charges or benefits associated with changes in criticized commercial loan levels in addition to actual net charge-offs experienced by the loans and leases owned by each segment. Provision for credit losses attributable to loan and lease growth and changes in ALLL factors is captured in General Corporate and Other. The financial results of the segments also include allocations for shared services and headquarters expenses, which are included within other noninterest expense. Additionally, the segments form synergies by taking advantage of relationship depth opportunities and funding operations by accessing the capital markets as a collective unit. The following is a description of each of the Bancorp’s segments and the products and services they provide to their respective client bases. Commercial Banking offers credit intermediation, cash management and financial services to large and middle-market businesses and government and professional customers. In addition to the traditional lending and depository offerings, Commercial Banking products and services include global cash management, foreign exchange and international trade finance, derivatives and capital markets services, asset-based lending, real estate finance, public finance, commercial leasing and syndicated finance. Consumer and Small Business Banking provides a full range of deposit and loan products to individuals and small businesses through a network of full-service banking centers and relationships with indirect and correspondent loan originators in addition to providing products designed to meet the specific needs of small businesses, including cash management services. Consumer and Small Business Banking includes the Bancorp’s residential mortgage, home equity loans and lines of credit, credit cards, automobile and other indirect lending, solar energy installation and other consumer lending activities. Residential mortgage activities include the origination, retention and servicing of residential mortgage loans, sales and securitizations of those loans and all associated hedging activities. Indirect lending activities include extending loans to consumers through automobile dealers, motorcycle dealers, powersport dealers, recreational vehicle dealers and marine dealers. Solar energy installation loans and certain other consumer loans are originated through a network of contractors and installers. Wealth and Asset Management provides a full range of wealth management solutions for individuals, companies and not-for-profit organizations, including wealth planning, investment management, banking, insurance, trust and estate services. These offerings include retail brokerage services for individual clients, advisory services for institutional clients including middle market businesses, non-profits, states and municipalities, and wealth management strategies and products for high net worth and ultra-high net worth clients. The following tables present the results of operations and assets by segment for the years ended December 31: 2024 ($ in millions) Commercial Consumer and Small Business Banking Wealth General Corporate and Other (d) Total Net interest income (FTE) (a) $ 2,647 4,169 210 (1,372) 5,654 Provision for (benefit from) credit losses 304 322 — (96) 530 Net interest income after provision for (benefit from) credit losses $ 2,343 3,847 210 (1,276) 5,124 Noninterest income: Wealth and asset management revenue $ 3 247 397 — 647 Commercial payments revenue 529 76 1 2 608 Consumer banking revenue — 551 2 2 555 Capital markets fees 421 2 2 (1) 424 Commercial banking revenue 373 4 — — 377 Mortgage banking net revenue — 210 1 — 211 Other noninterest income 53 4 1 (46) 12 Securities gains, net 1 — — 14 15 Total noninterest income $ 1,380 1,094 404 (29) 2,849 Noninterest expense: Compensation and benefits $ 656 882 222 1,003 2,763 Technology and communications 14 30 1 429 474 Net occupancy expense (b) 36 212 12 79 339 Equipment expense 28 51 — 74 153 Loan and lease expense 31 80 1 20 132 Marketing expense 3 68 1 43 115 Card and processing expense 9 75 1 (1) 84 Other noninterest expense (c) 1,117 1,074 149 (1,367) 973 Total noninterest expense $ 1,894 2,472 387 280 5,033 Income (loss) before income taxes (FTE) $ 1,829 2,469 227 (1,585) 2,940 Average assets $ 77,177 51,627 4,390 79,612 212,806 (a) Includes FTE adjustments of $15 for Commercial Banking and $9 for General Corporate and Other. (b) Includes impairment losses and termination charges of $1 for ROU assets related to certain operating leases. For more information, refer to Note 9. (c) Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (d) General Corporate and Other is not a reportable segment and is presented for reconciliation purposes. 2023 ($ in millions) Commercial Banking Consumer and Small Business Banking Wealth General Corporate and Other (e) Total Net interest income (FTE) (a) $ 3,828 5,207 360 (3,543) 5,852 Provision for credit losses 12 303 1 199 515 Net interest income after provision for credit losses $ 3,816 4,904 359 (3,742) 5,337 Noninterest income: Wealth and asset management revenue $ 2 216 363 — 581 Commercial payments revenue 473 85 1 5 564 Consumer banking revenue — 544 2 — 546 Capital markets fees 419 2 1 — 422 Commercial banking revenue 406 2 — 1 409 Mortgage banking net revenue — 250 — — 250 Other noninterest income (b) 65 6 2 18 91 Securities gains (losses), net (9) — — 27 18 Total noninterest income $ 1,356 1,105 369 51 2,881 Noninterest expense: Compensation and benefits $ 654 878 220 942 2,694 Technology and communications 14 27 1 422 464 Net occupancy expense (c) 41 209 12 69 331 Equipment expense 29 44 — 75 148 Loan and lease expense 30 86 1 16 133 Marketing expense 3 70 1 52 126 Card and processing expense 11 76 1 (4) 84 Other noninterest expense (d) 1,221 1,125 139 (1,260) 1,225 Total noninterest expense $ 2,003 2,515 375 312 5,205 Income (loss) before income taxes (FTE) $ 3,169 3,494 353 (4,003) 3,013 Average assets $ 83,078 50,974 4,678 69,696 208,426 (a) Includes FTE adjustments of $16 for Commercial Banking and $9 for General Corporate and Other. (b) Includes impairment charges of $1 recorded in Consumer and Small Business Banking and $1 recorded in General Corporate and Other for bank premises and equipment. For more information, refer to Note 7 and Note 28. (c) Includes impairment losses and termination charges of $2 for ROU assets related to certain operating leases. For more information, refer to Note 9. (d) Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (e) General Corporate and Other is not a reportable segment and is presented for reconciliation purposes. 2022 ($ in millions) Commercial Consumer and Small Business Banking Wealth General Corporate and Other (f) Total Net interest income (FTE) (a) $ 2,552 3,131 262 (320) 5,625 Provision for credit losses 33 139 — 391 563 Net interest income after provision for credit losses $ 2,519 2,992 262 (711) 5,062 Noninterest income: Wealth and asset management revenue $ 3 204 363 — 570 Commercial payments revenue 468 89 1 10 568 Consumer banking revenue — 538 2 2 542 Capital markets fees 387 2 — (2) 387 Commercial banking revenue 417 (c) 1 1 — 419 Mortgage banking net revenue — 214 1 — 215 Other noninterest income (b) 98 7 — 44 149 Securities losses, net (33) (2) — (49) (84) Total noninterest income $ 1,340 1,053 368 5 2,766 Noninterest expense: Compensation and benefits $ 639 828 218 869 2,554 Technology and communications 11 22 1 382 416 Net occupancy expense (d) 40 196 13 58 307 Equipment expense 27 38 — 80 145 Loan and lease expense 27 107 1 32 167 Marketing expense 5 58 1 54 118 Card and processing expense 11 72 1 (4) 80 Other noninterest expense (e) 1,063 1,068 144 (1,343) 932 Total noninterest expense $ 1,823 2,389 379 128 4,719 Income (loss) before income taxes (FTE) $ 2,036 1,656 251 (834) 3,109 Average assets $ 82,239 49,823 4,763 70,104 206,929 (a) Includes FTE adjustments of $10 for Commercial Banking and $6 for General Corporate and Other. (b) Includes impairment charges of $6 recorded in Consumer and Small Business Banking and $3 recorded in General Corporate and Other for bank premises and equipment. For more information, refer to Note 7. (c) Includes impairment charges of $2 for operating lease equipment. For more information, refer to Note 8. (d) Includes impairment losses and termination charges of $2 for ROU assets related to certain operating leases. For more information, refer to Note 9. (e) Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (f) General Corporate and Other is not a reportable segment and is presented for reconciliation purposes.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net Income	$ 2,314	$ 2,349	$ 2,446

Insider Trading Arrangements

Insider Trading Arrangements shares in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2024 shares	Dec. 31, 2024 shares
Trading Arrangements, by Individual
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false
Jude A. Schramm [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement		On December 10, 2024, Jude A. Schramm, Executive Vice President and Chief Information Officer of the Bancorp, adopted a trading arrangement for the sale of shares of stock (a “Rule 10b5-1 Trading Plan”) that is intended to satisfy the affirmative defense conditions of Exchange Act Rule 10b5-1(c). Mr. Schramm’s Rule 10b5-1 Trading Plan, which shall terminate on December 31, 2025, provides for the sale of up to 10,000 shares of common stock pursuant to the terms of the Rule 10b5-1 Trading Plan.
Name	Jude A. Schramm
Title	Executive Vice President and Chief Information Officer
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	December 10, 2024
Expiration Date	December 31, 2025
Arrangement Duration	386 days
Aggregate Available	10	10

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	12 Months Ended
	Dec. 31, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	The Bancorp recognizes the importance of maintaining a cybersecurity risk management system designed to reduce the risks that cybersecurity threats pose to financial institutions. As such, the Bancorp has adopted proactive and defensive safeguards intended to better protect the Bancorp’s information assets and supporting infrastructures from technology-related attacks. The Bancorp’s Board of Directors and management oversee its information security and cybersecurity risk management programs. As further discussed below, the Bancorp has established various programs, policies and procedures which are designed to proactively protect information assets. However, not all incidents can be prevented. As a result, the Bancorp has also established various policies and procedures governing how to respond to security incidents, with the objective of minimizing any potential impacts. As of December 31, 2024, the Bancorp is not aware of any cybersecurity incidents that have materially affected or are reasonably likely to materially affect Fifth Third, including its business strategies, results of operations or financial condition. Risk Assessment and Management The Bancorp maintains a variety of programs and policies to support the management of cybersecurity risk within the organization with a focus on prevention, detection and response processes. These programs and policies leverage frameworks and controls from the National Institute of Standards and Technology as well as various other regulatory requirements and industry-specific standards. The Bancorp also participates in the federally recognized Financial Services Information Sharing and Analysis Center and requires its employees and contractors to complete various education and training programs related to information security. The Bancorp’s Information Technology (“IT”) and Information Security (“IS”) teams have the primary responsibility for establishing appropriate policies and procedures that are responsive to cybersecurity threats and other information security risks. The Bancorp’s Information Technology and Cybersecurity Risk Management (“IT CSRM”) team, as part of the Bancorp’s Risk Management division, provides independent risk management oversight to those IT and IS teams. In addition to the Board oversight discussed below, the Bancorp’s Internal Audit function independently oversees, reviews and validates these activities and reports to the Board of Directors on the effectiveness of governance, risk management and internal controls. The Bancorp has established an Enterprise Risk Management Framework which informs the Bancorp’s risk management programs. As part of this framework, the IT CSRM team maintains the Bancorp’s IT CSRM Program, which is designed to identify, assess, manage, monitor and report cybersecurity risks as part of the Bancorp’s independent risk management function. The IT CSRM team is responsible for defining the risk management practices set forth in the IT CSRM Program. Refer to the Risk Management – Overview section of Item 7 (Management’s Discussion and Analysis of Financial Condition and Results of Operations) of this Annual Report for additional information on the Bancorp’s Enterprise Risk Management Framework and related risk management processes. In light of the complexity and evolving nature of the cybersecurity landscape, the Bancorp periodically re-assesses the maturity of its cybersecurity programs, policies and procedures, including in some instances by engaging the assistance of external experts. The Bancorp also conducts exercises to test its incident response plans and threat assessments, some of which also involve assistance from external consultants. The Bancorp also maintains a Third Party Risk Management Program to perform similar functions related to risks associated with the Bancorp’s relationships with third parties. This assists the Bancorp in its management of its relationships with third parties, which includes considerations for identifying, analyzing and monitoring the cybersecurity risks that third parties may present to Fifth Third. The Bancorp also maintains a third-party incident response program to govern its response in the event of third-party cybersecurity events.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	The Bancorp recognizes the importance of maintaining a cybersecurity risk management system designed to reduce the risks that cybersecurity threats pose to financial institutions. As such, the Bancorp has adopted proactive and defensive safeguards intended to better protect the Bancorp’s information assets and supporting infrastructures from technology-related attacks. The Bancorp’s Board of Directors and management oversee its information security and cybersecurity risk management programs. As further discussed below, the Bancorp has established various programs, policies and procedures which are designed to proactively protect information assets. However, not all incidents can be prevented. As a result, the Bancorp has also established various policies and procedures governing how to respond to security incidents, with the objective of minimizing any potential impacts.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	The Technology Committee of the Bancorp’s Board of Directors takes primary responsibility for overseeing the Bancorp’s information security programs at the Board level. The Technology Committee’s primary purpose is to assist the Board of Directors in its oversight of plans and operations related to information technology, cybersecurity, data privacy and third-party technology strategy. The Bancorp’s Risk and Compliance Committee of the Board of Directors oversees the Bancorp’s Enterprise Risk Management Framework and policies, including oversight of risks related to information security. The Risk and Compliance Committee receives periodic reports from the Technology Committee and these committees meet jointly at least once per year to discuss the Company’s programs and risks.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Technology Committee of the Bancorp’s Board of Directors takes primary responsibility for overseeing the Bancorp’s information security programs at the Board level. The Technology Committee’s primary purpose is to assist the Board of Directors in its oversight of plans and operations related to information technology, cybersecurity, data privacy and third-party technology strategy. The Bancorp’s Risk and Compliance Committee of the Board of Directors oversees the Bancorp’s Enterprise Risk Management Framework and policies, including oversight of risks related to information security. The Risk and Compliance Committee receives periodic reports from the Technology Committee and these committees meet jointly at least once per year to discuss the Company’s programs and risks.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Bancorp’s Risk and Compliance Committee of the Board of Directors oversees the Bancorp’s Enterprise Risk Management Framework and policies, including oversight of risks related to information security. The Risk and Compliance Committee receives periodic reports from the Technology Committee and these committees meet jointly at least once per year to discuss the Company’s programs and risks.
Cybersecurity Risk Role of Management [Text Block]	The Bancorp’s Information Security Governance Committee (“ISGC”) is a management committee that reviews and discusses critical information security risks that impact the Bancorp, identifies solutions to address these risks and has oversight of the Bancorp’s information technology and information security policies. The ISGC provides cybersecurity reports periodically to the Risk and Compliance Committee and is comprised of the Bancorp’s senior information security, information technology and enterprise risk management leaders, including the Chief Information Security Officer (“CISO”), Chief Information Officer, Chief Technology & Information Security Officer, Chief Data Officer and Chief Operational Risk Officer. The ISGC’s membership enables the ISGC to be informed about and monitor the prevention, detection, mitigation and remediation of cybersecurity incidents, if any, in accordance with the Bancorp’s incident response plans. The Bancorp’s CISO is responsible for information security policies and the coordination of information security efforts across the organization. The CISO has over 35 years of diverse experience in information technology management and cybersecurity leadership at Fifth Third and at other large, complex organizations. This prior experience includes leadership of functions for cybersecurity threat management, intelligence, risk mitigation and incident response. The CISO has a Bachelor of Science degree in Computer and Information Science and is a certified Six Sigma Black Belt. The Bancorp’s CISO reports to the Chief Technology & Information Security Officer. The CISO also reports directly to the Technology Committee and participates in various management councils and committees. The Bancorp’s IT CSRM team monitors that the CISO has appropriate authority to carry out the duties and responsibilities necessary of that position. The CISO remains informed about developments in cybersecurity, including potential threats and emerging risk management techniques, reporting such information to the Chief Information Officer and Technology Committee periodically. The CISO implements and oversees processes for the regular monitoring of information systems. This includes the deployment of advanced security measures and system audits to identify potential vulnerabilities. In the event of a cybersecurity incident, the CISO is equipped with a well-defined incident response plan. This plan includes immediate actions designed to mitigate the impact of any incident, and long-term strategies for remediation and prevention of future incidents.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	The Bancorp’s CISO is responsible for information security policies and the coordination of information security efforts across the organization
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The CISO has over 35 years of diverse experience in information technology management and cybersecurity leadership at Fifth Third and at other large, complex organizations. This prior experience includes leadership of functions for cybersecurity threat management, intelligence, risk mitigation and incident response. The CISO has a Bachelor of Science degree in Computer and Information Science and is a certified Six Sigma Black Belt.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The Bancorp’s CISO reports to the Chief Technology & Information Security Officer. The CISO also reports directly to the Technology Committee and participates in various management councils and committees. The Bancorp’s IT CSRM team monitors that the CISO has appropriate authority to carry out the duties and responsibilities necessary of that position.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Summary of Significant Accoun_2

Summary of Significant Accounting and Reporting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Nature of Operations	Nature of Operations Fifth Third Bancorp, an Ohio corporation, conducts its principal lending, deposit gathering, transaction processing and service advisory activities through its banking and non-banking subsidiaries from banking centers located throughout the Midwestern and Southeastern regions of the United States as well as through other offices, telephone sales, the internet and mobile applications.
Basis of Presentation	Basis of Presentation The Consolidated Financial Statements include the accounts of the Bancorp and its majority-owned subsidiaries and VIEs in which the Bancorp has been determined to be the primary beneficiary. Other entities, including certain joint ventures in which the Bancorp has the ability to exercise significant influence over operating and financial policies of the investee, but upon which the Bancorp does not possess control, are accounted for by the equity method and not consolidated. The investments in those entities in which the Bancorp does not have the ability to exercise significant influence are generally carried at fair value unless the investment does not have a readily determinable fair value. The Bancorp accounts for equity investments without a readily determinable fair value using the measurement alternative to fair value, representing the cost of the investment minus any impairment recorded and plus or minus changes resulting from observable price changes in orderly transactions for an identical or a similar investment of the same issuer. Intercompany transactions and balances among consolidated entities have been eliminated. Certain prior period data has been reclassified to conform to current period presentation. Specifically, certain line items within noninterest income and noninterest expense have been reclassified to better align disclosures to business activities. Within noninterest income, these reclassifications resulted in three new financial statement line items, including commercial payments revenue, consumer banking revenue and capital markets fees. Commercial banking revenue and other noninterest income were also affected by the reclassifications. Within noninterest expense, these reclassifications resulted in the separate disclosure of loan and lease expense, which was previously a component of other noninterest expense. These reclassifications did not impact total noninterest income or total noninterest expense and were applied retrospectively to all prior periods presented.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.
Cash and Due from Banks	Cash and Due from Banks Cash and due from banks consist of currency and coin, cash items in the process of collection and due from banks. Currency and coin includes both U.S. and foreign currency owned and held at Fifth Third offices and that is in-transit to the FRB. Cash items in the process of collection include checks and drafts that are drawn on another depository institution or the FRB that are payable immediately upon presentation in the U.S. Balances due from banks include noninterest-bearing balances that are funds on deposit at other depository institutions or the FRB.
Investment Securities	Investment Securities Debt securities are classified as held-to-maturity, available-for-sale or trading on the date of purchase. Only those securities which management has the intent and ability to hold to maturity are classified as held-to-maturity and reported at amortized cost. Debt securities are classified as available-for-sale when, in management’s judgment, they may be sold in response to, or in anticipation of, changes in market conditions. Debt securities are classified as trading typically when bought and held principally for the purpose of selling them in the near term. Trading debt securities are reported at fair value with unrealized gains and losses included in noninterest income. Available-for-sale debt securities are reported at fair value with unrealized gains and losses, net of related deferred income taxes, included in OCI. For available-for-sale debt securities hedged in a fair value hedge, the amortized cost basis of the hedged items (excluding unrealized gains and losses) includes the cumulative fair value hedging basis adjustments. Changes in the fair value of these securities which are attributable to changes in the hedged risk are recognized in earnings instead of OCI. Accrued interest receivable on investment securities is presented in the Consolidated Balance Sheets as a component of other assets. Available-for-sale debt securities with unrealized losses are reviewed quarterly to determine if the decline in fair value is the result of a credit loss or other factors. An allowance for credit losses is recorded against available-for-sale debt securities to reflect the amount of the unrealized loss attributable to credit; however, this impairment is limited by the amount that the fair value is less than the amortized cost basis. Any remaining unrealized loss is recognized through OCI. Changes in the allowance for credit losses are recognized in earnings. The determination of whether or not a credit loss exists is based on consideration of the cash flows expected to be collected from the debt security. The Bancorp develops these expectations after considering various factors such as agency ratings, the financial condition of the issuer or underlying obligors, payment history, payment structure of the security, industry and market conditions, underlying collateral and other factors which may be relevant based on the facts and circumstances pertaining to individual securities. If the Bancorp intends to sell the debt security or will more likely than not be required to sell the debt security before recovery of its amortized cost basis, then the allowance for credit losses, if previously recorded, is written off and the security’s amortized cost is written down to the security’s fair value at the reporting date, with any incremental impairment recorded as a charge to noninterest income. Held-to-maturity debt securities are assessed periodically to determine if an allowance is necessary to absorb credit losses expected to occur over the remaining contractual life of the securities. The carrying amount of held-to-maturity debt securities is presented net of the allowance for credit losses when such an allowance is deemed necessary. Debt securities classified as available-for-sale may be transferred to the held-to-maturity classification if the Bancorp determines that it has the positive intent and ability to hold the securities until their maturity. Upon transfer to held-to-maturity, the transferred securities are reported at amortized cost plus or minus the pre-tax amount of the remaining unrealized gains or losses reported in AOCI at the transfer date. The resulting premium or discount is amortized into income over the remaining life of the securities as an adjustment to yield. Any unrealized gains or losses that exist on the date of transfer continue to be reported as a component of AOCI and are amortized into income over the remaining life of the securities as an adjustment to yield, offsetting the amortization of the premium or discount that was recognized at the transfer date. Any allowance for credit losses that was previously recorded when the securities were classified as available-for-sale is reversed into earnings on the date of transfer. After the transfer to held-to-maturity, the securities would be re-assessed for any necessary allowance for credit losses, as previously discussed. Equity securities with readily determinable fair values not accounted for under the equity method are reported at fair value with unrealized gains and losses included in noninterest income in the Consolidated Statements of Income. Equity securities without readily determinable fair values are measured at cost minus impairment, if any, plus or minus changes as a result of an observable price change for the identical or similar investment of the same issuer. At each quarterly reporting period, the Bancorp performs a qualitative assessment to evaluate whether impairment indicators are present. If qualitative indicators are identified, the investment is measured at fair value with the impairment loss included in noninterest income in the Consolidated Statements of Income. The fair value of a security is determined based on quoted market prices. If quoted market prices are not available, fair value is determined based on quoted prices of similar instruments. Premiums on purchased callable debt securities are amortized to the earliest call date if the call feature meets certain criteria. Otherwise, premiums are amortized to maturity similar to discounts on callable debt securities. Realized securities gains or losses are reported within noninterest income in the Consolidated Statements of Income. The cost of securities sold is based on the specific identification method.
Portfolio Loans and Leases and Nonaccrual loans and leases	Portfolio Loans and Leases Basis of accounting Portfolio loans and leases are generally reported at the principal amount outstanding, net of unearned income, deferred direct loan origination fees and costs and any direct principal charge-offs. Direct loan origination fees and costs are deferred and the net amount is amortized over the contractual life or estimated life, if prepayments are estimated, of the related loans as a yield adjustment. Interest income is recognized based on the principal balance outstanding, computed using the effective interest method. Loans and leases acquired by the Bancorp through a purchase or a business combination are recorded at fair value as of the acquisition date. Purchased loans and finance leases (including both sales-type leases and direct financing leases) are evaluated for evidence of credit deterioration at acquisition and recorded at their initial fair value. For loans and finance leases acquired in a business combination that do not exhibit evidence of more-than-insignificant credit deterioration since origination, the Bancorp does not carry over the acquired company’s ALLL, but upon acquisition will record an ALLL and provision for credit losses reflective of credit losses expected to be incurred over the remaining contractual life of the acquired loans. Premiums and discounts reflected in the initial fair value are amortized over the contractual life of the loan as an adjustment to yield. For loans and finance leases that exhibit evidence of more-than-insignificant credit quality deterioration since origination, the Bancorp’s estimate of expected credit losses is added to the ALLL upon acquisition and to the initial purchase price of the loans and leases to determine the initial amortized cost basis for the purchased financial assets with credit deterioration. Any resulting difference between the initial amortized cost basis (as adjusted for expected credit losses) and the par value of the loans and leases at the acquisition date represents the non-credit premium or discount, which is amortized over the contractual life of the loan or lease as an adjustment to yield. This method of accounting for loans acquired with deteriorated credit quality does not apply to loans carried at fair value or loans held for sale. The Bancorp’s lease portfolio consists of sales-type, direct financing and leveraged leases. Leases are classified as sales-type if the Bancorp transfers control of the underlying asset to the lessee. The Bancorp classifies leases that do not meet any of the criteria for a sales-type lease as a direct financing lease if the present value of the sum of the lease payments and any residual value guaranteed by the lessee and/or any other third party equals or exceeds substantially all of the fair value of the underlying asset and the collection of the lease payments and residual value guarantee is probable. Sales-type and direct financing leases are recorded at the aggregate of lease payments plus estimated residual value of the leased property, less unearned income. Interest income on sales-type and direct financing leases is recognized over the term of the lease to achieve a constant periodic rate of return on the outstanding investment. Leveraged leases, entered into before January 1, 2019, are recorded at the aggregate of lease payments (less nonrecourse debt payments) plus estimated residual value of the leased property, less unearned income. Interest income on leveraged leases is recognized over the term of the lease to achieve a constant rate of return on the outstanding investment in the lease, net of the related deferred income tax liability, in the years in which the net investment is positive. Leveraged lease accounting is no longer applied for leases entered into or modified after the Bancorp’s adoption of ASU 2016-02, Leases, on January 1, 2019. Nonaccrual loans and leases The Bancorp places loans and leases on nonaccrual status when full repayment of principal and interest is not expected, unless the loan or lease is well-secured and in the process of collection. When a loan is placed on nonaccrual status, the accrual of interest, amortization of loan premium, accretion of loan discount and amortization/accretion of deferred net direct loan origination fees or costs are discontinued and all previously accrued and unpaid interest is reversed against income. The Bancorp utilizes the following policies to determine when full repayment of principal and interest on a loan or lease is not expected: • Commercial loans are placed on nonaccrual status when there is a clear indication that the borrower’s cash flows may not be sufficient to meet payments as they become due. Commercial loans where the principal or interest has been in default for a period of 90 days or more are generally maintained on nonaccrual status unless the loan is fully or partially guaranteed by a government agency or otherwise considered to be well secured and in the process of collection. • Residential mortgage loans are placed on nonaccrual status when principal and interest payments become past due 150 days or more, unless repayment of the loan is fully or partially guaranteed by a government agency. Residential mortgage loans may stay on nonaccrual status for an extended time as the foreclosure process typically lasts longer than 180 days. The Bancorp maintains a reserve for the portion of accrued interest receivable that it estimates will be uncollectible, at the portfolio level, for residential mortgage loans which are past due 90 days or more and on accrual status. This reserve is recorded as a component of other assets in the Consolidated Balance Sheets, consistent with the classification of the related accrued interest receivable. • Home equity loans and lines of credit are placed on nonaccrual status if principal or interest becomes past due 90 days or more. Home equity loans and lines of credit that become past due 60 days or more are also placed on nonaccrual status if the senior lien has been past due 120 days or more. • Credit card loans that have been modified for a borrower experiencing financial difficulty are placed on nonaccrual status at the time of the modification. Subsequent to the modification, accounts are placed on nonaccrual status when required payments become past due 90 days or more in accordance with the modified terms. • Indirect secured consumer loans and other consumer loans are generally placed on nonaccrual status when principal or interest becomes past due 90 days or more. • Loan balances remaining after charge-off on consumer loans subject to a bankruptcy proceeding are generally placed on nonaccrual status within 60 days of verification of the bankruptcy unless the borrower demonstrates willingness to repay the loan through a guaranteed repayment plan or reaffirmation of their obligation to the Bancorp. These loans are also placed on nonaccrual status when principal or interest becomes past due 60 days or more. • Loans discharged in a Chapter 7 bankruptcy and not reaffirmed by the borrower are placed on nonaccrual status and considered collateral-dependent loans at the time of discharge, regardless of the borrower’s payment history or capacity to repay in the future. Well-secured loans are collateralized by perfected security interests in real and/or personal property for which the Bancorp estimates proceeds from the sale would be sufficient to recover the outstanding principal and accrued interest balance of the loan and pay all costs to sell the collateral. The Bancorp considers a loan in the process of collection if collection efforts or legal action is proceeding and the Bancorp expects to collect funds sufficient to bring the loan current or recover the entire outstanding principal and accrued interest balance in the near future. Nonaccrual loans and leases may be returned to accrual status when all delinquent principal and interest payments become current in accordance with the loan agreement and the remaining principal and interest payments are reasonably assured of repayment in accordance with the contractual terms of the loan agreement, or when the loan is both well-secured and in the process of collection. Nonaccrual loans that have been modified for a borrower experiencing financial difficulty may not be returned to accrual status unless such loans have sustained repayment performance of six months or more and are reasonably assured of repayment in accordance with the modified terms. Loans discharged in a Chapter 7 bankruptcy may be returned to accrual status twelve months or more after discharge provided there is a sustained payment history after bankruptcy and collectability is reasonably assured for all remaining contractual payments. Except for loans discharged in a Chapter 7 bankruptcy that are not reaffirmed by the borrower, accruing residential mortgage loans, home equity loans and lines of credit, indirect secured consumer loans and other consumer loans modified for borrowers experiencing financial difficulty are maintained on accrual status, provided there is reasonable assurance of repayment and of performance according to the modified terms based upon a current, well-documented credit evaluation. Accruing commercial loans modified for borrowers experiencing financial difficulty are maintained on accrual status provided there is a sustained payment history of six months or more prior to the modification and collectability is reasonably assured for all remaining contractual payments under the modified terms. Modifications of commercial loans and credit card loans for borrowers experiencing financial difficulty that do not have a sustained payment history of six months or more in accordance with their modified terms remain on nonaccrual status until a six-month payment history is sustained. Nonaccrual loans and leases are generally accounted for on the cost recovery method due to the existence of doubt as to the collectability of the remaining amortized cost basis of nonaccrual assets. Under the cost recovery method, any payments received are applied to reduce principal. Once the entire amortized cost basis is collected, additional payments received are treated as recoveries of amounts previously charged-off until recovered in full, and any subsequent payments are treated as interest income. In certain circumstances when the remaining amortized cost basis of a nonaccrual loan or lease is deemed to be fully collectible, the Bancorp may utilize the cash basis method to account for interest payments received on a nonaccrual loan or lease. Under the cash basis method, interest income is recognized when cash is received, to the extent such income would have been accrued on the loan’s remaining balance at the contractual rate. The Bancorp records a charge-off to the ALLL when all or a portion of a loan or lease is deemed to be uncollectible, after considering the net realizable value of any underlying collateral. Commercial loans and leases on nonaccrual status and criticized commercial loans with aggregate borrower relationships exceeding $1 million are subject to an individual review to identify charge-offs. The Bancorp does not have an established delinquency threshold for partially or fully charging off commercial loans and leases. The Bancorp records charge-offs on consumer loans in accordance with applicable regulatory guidelines, which are primarily based on a loan’s delinquency status. Loan modifications
ALL	ALLL The Bancorp disaggregates its portfolio loans and leases into portfolio segments for purposes of determining the ALLL. The Bancorp’s portfolio segments include commercial, residential mortgage and consumer. The Bancorp further disaggregates its portfolio segments into classes for purposes of monitoring and assessing credit quality based on certain risk characteristics. Classes within the commercial portfolio segment are based on the purpose of the loan or lease and include commercial and industrial, commercial mortgage owner-occupied, commercial mortgage nonowner-occupied, commercial construction and commercial leases. The residential mortgage portfolio segment is also considered a class. Classes within the consumer portfolio segment are based on the loan product type and include home equity, indirect secured consumer loans, credit card, solar energy installation loans and other consumer loans. For an analysis of the Bancorp’s ALLL by portfolio segment and credit quality information by class, refer to Note 6. The Bancorp maintains the ALLL to absorb the amount of credit losses that are expected to be incurred over the remaining contractual terms of the related loans and leases. Contractual terms are adjusted for expected prepayments but are not extended for expected extensions, renewals or modifications except in circumstances where extension or renewal options are embedded in the original contract and not unconditionally cancellable by the Bancorp. Accrued interest receivable on loans is presented in the Consolidated Financial Statements as a component of other assets. When accrued interest is deemed to be uncollectible (typically when a loan is placed on nonaccrual status), interest income is reversed. The Bancorp follows established policies for placing loans on nonaccrual status, so uncollectible accrued interest receivable is reversed in a timely manner. As a result, the Bancorp has elected not to measure a reserve for accrued interest receivable as part of its ALLL. However, the Bancorp does record a reserve for the portion of accrued interest receivable that it expects to be uncollectible. Refer to the Portfolio Loans and Leases section of this footnote for additional information. Credit losses are charged and recoveries are credited to the ALLL. The ALLL is maintained at a level the Bancorp considers to be adequate and is based on ongoing quarterly assessments and evaluations of the collectability of loans and leases, including historical credit loss experience, current and forecasted market and economic conditions and consideration of various qualitative factors that, in management’s judgment, deserve consideration in estimating expected credit losses. Provisions for credit losses are recorded for the amounts necessary to adjust the ALLL to the Bancorp’s current estimate of expected credit losses on portfolio loans and leases. The Bancorp’s methodology for determining the ALLL includes an estimate of expected credit losses on a collective basis for groups of loans and leases with similar risk characteristics and specific allowances for loans and leases which are individually evaluated. Larger commercial loans and leases included within aggregate borrower relationship balances exceeding $1 million on nonaccrual status are individually evaluated for an ALLL. The Bancorp considers the current value of collateral, credit quality of any guarantees, the guarantor’s liquidity and willingness to cooperate, the loan or lease structure (including modifications, if any) and other factors when determining the amount of the ALLL. Other factors may include the borrower’s susceptibility to risks presented by the forecasted macroeconomic environment, the industry and geographic region of the borrower, size and financial condition of the borrower, cash flow and leverage of the borrower and the Bancorp’s evaluation of the borrower’s management. When loans and leases are individually evaluated, allowances are determined based on management’s estimate of the borrower’s ability to repay the loan or lease given the availability of collateral and other sources of cash flow, as well as an evaluation of legal options available to the Bancorp. Allowances for individually evaluated loans and leases that are collateral-dependent are measured based on the fair value of the underlying collateral, less expected costs to sell where applicable. Allowances for individually evaluated loans and leases that are not collateral-dependent are typically measured based on the present value of expected cash flows of the loan or lease, discounted at its effective interest rate. Specific allowances on individually evaluated commercial loans and leases are reviewed quarterly and adjusted as necessary based on changing borrower and/or collateral conditions and actual collection and charge-off experience. The Bancorp considers loans to be collateral-dependent when it becomes probable that repayment of the loan will be provided through the sale or operation of the collateral instead of from payments made by the borrower. The expected credit losses for these loans are typically estimated based on the fair value of the underlying collateral, less expected costs to sell where applicable. Specific allowances on individually evaluated consumer and residential mortgage loans are reviewed quarterly and adjusted as necessary based on changing borrower and/or collateral conditions and actual collection and charge-off experience. Expected credit losses are estimated on a collective basis for loans and leases that are not individually evaluated. For collectively evaluated loans and leases, the Bancorp uses models to forecast expected credit losses based on the probability of a loan or lease defaulting, the expected balance at the estimated date of default and the expected loss percentage given a default. The estimate of the expected balance at the time of default considers prepayments and, for loans with available credit, expected utilization rates. The Bancorp’s expected credit loss models were developed based on historical credit loss experience and observations of migration patterns for various credit risk characteristics (such as internal credit risk ratings, external credit ratings or scores, delinquency status, loan-to-value trends, etc.) over time, with those observations evaluated in the context of concurrent macroeconomic conditions. The Bancorp developed its models from historical observations capturing a full economic cycle when possible. The Bancorp’s expected credit loss models consider historical credit loss experience, current market and economic conditions, and forecasted changes in market and economic conditions if such forecasts are considered reasonable and supportable. Generally, the Bancorp considers its forecasts to be reasonable and supportable for a period of up to three years from the estimation date. For periods beyond the reasonable and supportable forecast period, expected credit losses are estimated by reverting to historical loss information without adjustment for changes in economic conditions. This reversion is phased in over a two-year period. The Bancorp evaluates the length of its reasonable and supportable forecast period, its reversion period and reversion methodology at least annually, or more often if warranted by economic conditions or other circumstances. The Bancorp also considers qualitative factors in determining the ALLL in order to capture characteristics in the portfolio that impact expected credit losses but are not fully captured within the Bancorp’s expected credit loss models. These may include adjustments for changes in policies or procedures in underwriting, monitoring or collections, lending and risk management personnel and results of internal audit and quality control reviews. These may also include adjustments, when deemed necessary, for specific idiosyncratic risks such as geopolitical events, natural disasters and their effects on regional borrowers, changes in product structures or changes in economic conditions that are not reflected in the quantitative credit loss models. Qualitative factor adjustments may also be used to address the impacts of unforeseen events on key inputs and assumptions within the Bancorp’s expected credit loss models, such as the reasonable and supportable forecast period, changes to historical loss information or changes to the reversion period or methodology. When evaluating the adequacy of allowances, consideration is also given to regional geographic concentrations and the closely associated effect that changing economic conditions may have on the Bancorp’s customers.
Reserve for Unfunded Commitments	Reserve for Unfunded Commitments The reserve for unfunded commitments is maintained at a level believed by management to be sufficient to absorb estimated expected credit losses related to unfunded credit facilities and is included in other liabilities in the Consolidated Balance Sheets. The determination of the adequacy of the reserve is based upon expected credit losses over the remaining contractual life of the commitments, taking into consideration the current funded balance and estimated exposure over the reasonable and supportable forecast period. This process takes into consideration the same risk elements that are analyzed in the determination of the adequacy of the Bancorp’s ALLL, as previously discussed. Net adjustments to the reserve for unfunded commitments are included in the provision for credit losses in the Consolidated Statements of Income.
Loans and Leases Held for Sale	Loans and Leases Held for Sale Loans and leases held for sale primarily represent conforming fixed-rate residential mortgage loans originated or acquired with the intent to sell in the secondary market and jumbo residential mortgage loans, commercial loans, other residential mortgage loans and other consumer loans that management has the intent to sell. Loans and leases held for sale may be carried at the lower of cost or fair value, or carried at fair value where the Bancorp has elected the fair value option of accounting under U.S. GAAP. The Bancorp has elected to measure certain groups of loans held for sale under the fair value option, including certain residential mortgage loans originated as held for sale and certain purchased commercial loans designated as held for sale at acquisition. For loans in which the Bancorp has not elected the fair value option, the lower of cost or fair value is determined at the individual loan level. The fair value of residential mortgage loans held for sale for which the fair value election has been made is estimated based upon mortgage-backed securities prices and spreads to those prices or, for certain ARM loans, DCF models that may incorporate the anticipated portfolio composition, credit spreads of asset-backed securities with similar collateral and market conditions. The anticipated portfolio composition includes the effects of interest rate spreads and discount rates due to loan characteristics such as the state in which the loan was originated, the loan amount and the ARM margin. These fair value marks are recorded as a component of noninterest income in mortgage banking net revenue in the Consolidated Statements of Income. For residential mortgage loans that it has originated as held for sale, the Bancorp generally has commitments to sell these loans in the secondary market. Gains or losses on sales are recognized in mortgage banking net revenue in the Consolidated Statements of Income. Management’s intent to sell residential mortgage loans classified as held for sale may change over time due to such factors as changes in the overall liquidity in markets or changes in characteristics specific to certain loans held for sale. Consequently, these loans may be reclassified to loans held for investment and, thereafter, reported within the Bancorp’s residential mortgage class of portfolio loans and leases. In such cases, if the fair value option was elected, the residential mortgage loans will continue to be measured at fair value, which is based on mortgage-backed securities prices, interest rate risk and an internally developed credit component. Loans and leases held for sale are placed on nonaccrual status consistent with the Bancorp’s nonaccrual policies for portfolio loans and leases.
Loan Sales and Securitizations	Loan Sales and Securitizations The Bancorp periodically sells loans through either securitizations or individual loan sales in accordance with its investment policies. The sold loans are removed from the Consolidated Balance Sheet and a net gain or loss is recognized in the Consolidated Financial Statements at the time of sale. The Bancorp typically isolates the loans through the use of a VIE and thus is required to assess whether the entity holding the sold or securitized loans is a VIE and whether the Bancorp is the primary beneficiary and therefore consolidator of that VIE. If the Bancorp holds the power to direct activities most significant to the economic performance of the VIE and has the obligation to absorb losses or right to receive benefits that could potentially be significant to the VIE, then the Bancorp will generally be deemed the primary beneficiary of the VIE. If the Bancorp is determined not to be the primary beneficiary of a VIE but holds a variable interest in the entity, such variable interests are accounted for under the equity method of accounting or other accounting standards as appropriate. Refer to Note 12 for further information on consolidated and non-consolidated VIEs. The Bancorp’s loan sales and securitizations are generally structured with servicing retained, which often results in the recording of servicing rights. The Bancorp may also purchase servicing rights. The Bancorp has elected to measure all existing classes of its residential mortgage servicing rights portfolio at fair value with changes in the fair value of servicing rights reported in mortgage banking net revenue in the Consolidated Statements of Income in the period in which the changes occur. Servicing rights are valued using internal OAS models. Key economic assumptions used in estimating the fair value of the servicing rights include the prepayment speeds of the underlying loans, the weighted-average life, the OAS and the weighted-average coupon rate, as applicable. The primary risk of material changes to the value of the servicing rights resides in the potential volatility in the economic assumptions used, particularly the prepayment speeds. In order to assist in the assessment of the fair value of servicing rights, the Bancorp obtains external valuations of the servicing rights portfolio from third parties and participates in peer surveys that provide additional confirmation of the reasonableness of the key assumptions utilized in the internal OAS model. Fees received for servicing loans owned by investors are based on a percentage of the outstanding monthly principal balance of such loans and are included in noninterest income in the Consolidated Statements of Income as loan payments are received. Costs of servicing loans are charged to expense as incurred.
Reserve for Representation and Warranty Provisions	Reserve for Representation and Warranty Provisions Conforming residential mortgage loans sold to unrelated third parties are generally sold with representation and warranty provisions. A contractual liability arises only in the event of a breach of these representations and warranties and, in general, only when a loss results from the breach. The Bancorp may be required to repurchase any previously sold loan or indemnify (make whole) the investor or insurer for which the representation or warranty of the Bancorp proves to be inaccurate, incomplete or misleading. The Bancorp establishes a residential mortgage repurchase reserve related to various representations and warranties that reflects management’s estimate of losses based on a combination of factors. The Bancorp’s estimation process requires management to make subjective and complex judgments about matters that are inherently uncertain, such as future demand expectations, economic factors and the specific characteristics of the loans subject to repurchase. Such factors incorporate historical investor audit and repurchase demand rates, appeals success rates, historical loss severity and any additional information obtained from the GSEs regarding future mortgage repurchase and file request criteria. At the time of a loan sale, the Bancorp records a representation and warranty reserve at the estimated fair value of the Bancorp’s guarantee and continually updates the reserve during the life of the loan as losses in excess of the reserve become probable and reasonably estimable. The provision for the estimated fair value of the representation and warranty guarantee arising from the loan sales is recorded as an adjustment to the gain on sale, which is included in other noninterest income in the Consolidated Statements of Income at the time of sale. Updates to the reserve are recorded in other noninterest expense in the Consolidated Statements of Income.
Bank Premises and Equipment and Other Long-Lived Assets	Bank Premises and Equipment and Other Long-Lived Assets Bank premises and equipment, including leasehold improvements, and operating lease equipment are carried at cost less accumulated depreciation and accumulated amortization. Generally, depreciation is calculated using the straight-line method based on estimated useful lives of the assets for book purposes, while accelerated depreciation is used for income tax purposes. Amortization of leasehold improvements is generally computed using the straight-line method over the lives of the related leases or useful lives of the related assets, whichever is shorter. Whenever events or changes in circumstances dictate, the Bancorp tests its long-lived assets for impairment by determining whether the sum of the estimated undiscounted future cash flows attributable to a long-lived asset or asset group is less than the carrying amount of the long-lived asset or asset group through a probability-weighted approach. In the event the carrying amount of the long-lived asset or asset group is not recoverable, an impairment loss is measured as the amount by which the carrying amount of the long-lived asset or asset group exceeds its fair value. Maintenance, repairs and minor improvements are charged to noninterest expense in the Consolidated Statements of Income as incurred. Lease payments received for operating lease equipment are recognized in commercial banking revenue in the Consolidated Statements of Income over the lease term on a straight-line basis unless another systematic and rational basis is more representative of the pattern in which benefit is expected to be derived from use of the underlying equipment.
Lessee Accounting	Lessee Accounting ROU assets and lease liabilities are recognized for all leases unless the initial term of the lease is twelve months or less. Lease costs for operating leases are recognized on a straight-line basis over the lease term unless another systematic basis is more representative of the pattern of consumption. The lease term includes any renewal period that the Bancorp is reasonably certain to exercise. The Bancorp uses its incremental borrowing rate to discount the lease payments if the rate implicit in the lease is not readily determinable. Variable lease payments associated with operating leases are recognized in the period in which the obligation for payments is incurred. For finance leases, the lease liability is measured using the effective interest method such that the liability is increased for interest based on the discount rate that is implicit in the lease or the Bancorp’s incremental borrowing rate if the implicit rate cannot be readily determined, offset by a decrease in the liability resulting from the periodic lease payments. The ROU asset associated with the finance lease is amortized on a straight-line basis unless there is another systematic and rational basis that better reflects how the benefits of the underlying assets are consumed over the lease term. The period over which the ROU asset is amortized is generally the lesser of the remaining lease term or the remaining useful life of the leased asset. Variable lease payments associated with finance leases are recognized in the period in which the obligation for those payments is incurred. When the lease liability is remeasured to reflect changes to the lease payments as a result of a lease modification, the ROU asset is adjusted for the amount of the lease liability remeasurement. If a lease modification reduces the scope of a lease, the ROU asset would be reduced proportionately based on the change in the lease liability and the difference between the lease liability adjustment and the resulting ROU asset adjustment would be recognized as a gain or loss in the Consolidated Statements of Income. Additionally, the amortization of the ROU asset is adjusted prospectively from the date of remeasurement. The Bancorp performs impairment assessments for ROU assets when events or changes in circumstances indicate that their carrying values may not be recoverable. Any impairment loss is recognized in net occupancy expense in the Consolidated Statements of Income. Refer to the Bank Premises and Equipment and Other Long-Lived Assets section of this note for further information.
Goodwill	Goodwill Business combinations entered into by the Bancorp typically include the recognition of goodwill. U.S. GAAP requires goodwill to be tested for impairment at the reporting unit level on an annual basis and more frequently if events or circumstances indicate that there may be impairment. Historically, the Bancorp’s annual goodwill impairment test was performed as of September 30 of each year. However, in 2024, the testing was performed as of September 30 and again as of October 1 to reflect the change in date in which the Bancorp will perform its annual goodwill impairment testing in future periods. The Bancorp does not consider this change to be material, and the change in assessment date did not delay, accelerate, or avoid a potential impairment charge. The new testing date is in close proximity to the previous assessment date and the testing methods and valuation inputs were not significantly affected by the change, resulting in consistent conclusions. Impairment exists when a reporting unit’s carrying amount of goodwill exceeds its implied fair value. In testing goodwill for impairment, U.S. GAAP permits the Bancorp to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. In this qualitative assessment, the Bancorp evaluates events and circumstances which may include, but are not limited to, the general economic environment, banking industry and market conditions, the overall financial performance of the Bancorp, the performance of the Bancorp’s common stock, the key financial performance metrics of the Bancorp’s reporting units and events affecting the reporting units to determine if it is not more likely than not that the fair value of a reporting unit is less than its carrying amount. If the quantitative impairment test is required or the decision to bypass the qualitative assessment is elected, the Bancorp performs the goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount, including goodwill. If the carrying amount of the reporting unit exceeds its fair value, an impairment loss is recognized in an amount equal to that excess, limited to the total amount of goodwill allocated to that reporting unit. A recognized impairment loss cannot be reversed in future periods even if the fair value of the reporting unit subsequently recovers. The fair value of a reporting unit is the price that would be received to sell the unit as a whole in an orderly transaction between market participants at the measurement date. As none of the Bancorp’s reporting units are publicly traded, individual reporting unit fair value determinations cannot be directly correlated to the Bancorp’s stock price. The determination of the fair value of a reporting unit is a subjective process that involves the use of estimates and judgments, particularly related to cash flows, the appropriate discount rates and an applicable control premium. The determination of the fair value of the Bancorp’s reporting units includes both an income-based approach and a market-based approach. The income-based approach utilizes the reporting unit’s forecasted cash flows (including a terminal value approach to estimate cash flows beyond the final year of the forecast) and the reporting unit’s estimated cost of equity as the discount rate. Significant management judgment is necessary in the preparation of each reporting unit’s forecasted cash flows surrounding expectations for earnings projections, growth and credit loss expectations and actual results may differ from forecasted results. Additionally, the Bancorp determines its market capitalization based on the average of the closing price of the Bancorp’s stock during the period beginning September 1 and ending on the measurement date, incorporating an additional control premium, and compares this market-based fair value measurement to the aggregate fair value of the Bancorp’s reporting units in order to corroborate the results of the income approach. Refer to Note 10 for further information regarding the Bancorp’s goodwill.
Tax Credit Investments	Tax Credit Investments The Bancorp invests in projects to create affordable housing and revitalize business and residential areas. These investments are classified as other assets on the Bancorp’s Consolidated Balance Sheets. Investments in projects that qualify for Low-Income Housing Tax Credits, New Markets Tax Credits and Rehabilitation Investment Tax Credits are accounted for using the proportional amortization method if certain conditions are met. Under the proportional amortization method, the initial cost of the investment is amortized in proportion to the tax credits and other benefits received and recognized as a component of applicable income tax expense in the Consolidated Statements of Income. Investments which do not meet the qualification criteria for the proportional amortization method are accounted for using the equity method of accounting with impairment associated with the investments recognized in other noninterest expense in the Consolidated Statements of Income.
Derivative Financial Instruments and Hedge Accounting	Derivative Financial Instruments and Hedge Accounting The Bancorp accounts for its derivatives as either assets or liabilities measured at fair value through adjustments to AOCI and/or current earnings, as appropriate. The related cash flows are classified as operating activities in the Consolidated Statements of Cash Flows. On the date the Bancorp enters into a derivative contract, the Bancorp designates the derivative instrument as either a fair value hedge, cash flow hedge or as a free-standing derivative instrument. For a fair value hedge, changes in the fair value of the derivative instrument and changes in the fair value of the hedged asset or liability attributable to the hedged risk are recorded in current period net income. For a cash flow hedge, changes in the fair value of the derivative instrument are recorded in AOCI and subsequently reclassified to net income in the same period(s) that the hedged transaction impacts net income. For free-standing derivative instruments, changes in fair values are reported in current period net income. When entering into a hedge transaction, the Bancorp formally documents the relationship between the hedging instrument and the hedged item, as well as the risk management objective and strategy for undertaking the hedge transaction before the end of the quarter in which the transaction is consummated. This process includes linking the derivative instrument designated as a fair value or cash flow hedge to a specific asset or liability on the balance sheet or to specific forecasted transactions and the risk being hedged, along with a formal assessment at the inception of the hedge as to the effectiveness of the derivative instrument in offsetting changes in fair values or cash flows of the hedged item. The Bancorp continues to assess hedge effectiveness on an ongoing basis using either a qualitative or a quantitative assessment (regression analysis). Additionally, the Bancorp may also utilize the shortcut method to evaluate hedge effectiveness for certain qualifying hedges with matched terms that permit the assumption of perfect offset. If the shortcut method is no longer appropriate, the Bancorp would apply the long-haul method identified at inception of the hedging transaction for assessing hedge effectiveness as long as the hedge is highly effective. If it is determined that the derivative instrument is not highly effective as a hedge, hedge accounting is discontinued. For fair value hedges, if hedge accounting is discontinued, the cumulative basis adjustments related to the hedged asset or liability are amortized to earnings in the same manner as other components of the carrying amount of that asset or liability. For cash flow hedges, upon discontinuation of hedge accounting, any amounts in AOCI related to that relationship should affect earnings at the same time and in the same manner in which the hedged transaction affects earnings. However, if it becomes probable that the forecasted transaction will not occur, any related amounts in AOCI are reclassified to earnings immediately.
Other Real Estate Owned	Other Real Estate Owned OREO, which is included in other assets in the Consolidated Balance Sheets, represents property acquired through foreclosure or other proceedings and branch-related real estate no longer intended to be used for banking purposes. OREO is carried at the lower of cost or fair value, less costs to sell. All OREO property is periodically evaluated for impairment and decreases in carrying value are recognized as reductions in other noninterest income in the Consolidated Statements of Income. For government-guaranteed mortgage loans, upon foreclosure, a separate other receivable is recognized if certain conditions are met for the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. This receivable is also included in other assets, separate from OREO, in the Consolidated Balance Sheets.
Deposits	Deposits Deposits generally include the unpaid balance of cash or its equivalent received or held by the Bank for its commercial and consumer customers. Deposits are classified as either transactional or non-transactional and include both interest-bearing and noninterest-bearing balances. Interest expense incurred on interest-bearing deposits is recognized in accordance with applicable guidance in U.S. GAAP for these liabilities and includes certain ongoing deposit placement fees paid on custodial accounts.
Legal Contingencies	Legal Contingencies The Bancorp and its subsidiaries are parties to numerous claims and lawsuits as well as threatened or potential actions or claims concerning matters arising from the conduct of its business activities. The outcome of claims or litigation and the timing of ultimate resolution are inherently difficult to predict and significant judgment may be required in the determination of both the probability of loss and whether the amount of the loss is reasonably estimable. The Bancorp’s estimates are subjective and are based on the status of legal and regulatory proceedings, the merit of the Bancorp’s defenses and consultation with internal and external legal counsel. An accrual for a potential litigation loss is established when information related to the loss contingency indicates both that a loss is probable and that the amount of loss can be reasonably estimated. This accrual is included in other liabilities in the Consolidated Balance Sheets and is adjusted from time to time as appropriate to reflect changes in circumstances. Legal expenses are recorded in other noninterest expense in the Consolidated Statements of Income.
Income Taxes	Income Taxes The Bancorp accounts for income taxes using the asset and liability method, which requires the recognition of deferred tax assets and liabilities for expected future tax consequences. Under the asset and liability method, deferred tax assets and liabilities are determined by applying the federal and state tax rates to the differences between financial statement carrying amounts and the corresponding tax bases of assets and liabilities. Deferred tax assets are also recorded for any tax attributes, such as tax credits and net operating loss carryforwards. The net balances of deferred tax assets and liabilities are reported in other assets and accrued taxes, interest and expenses in the Consolidated Balance Sheets. Any effect of a change in federal or state tax rates on deferred tax assets and liabilities is recognized in income tax expense in the period that includes the enactment date. The Bancorp reflects the expected amount of income tax to be paid or refunded during the year as current income tax expense or benefit. Accrued taxes represent the net expected amount due to and/or from taxing jurisdictions and are reported in accrued taxes, interest and expenses in the Consolidated Balance Sheets. The Bancorp uses the deferral method of accounting on investments that generate investment tax credits. Under this method, the investment tax credits are recognized as a reduction to the related asset. The Bancorp evaluates the realization of deferred tax assets based on all positive and negative evidence available at the balance sheet date. Realization of deferred tax assets is based on the Bancorp’s judgment about relevant factors affecting their realization, including the taxable income within any applicable carry back periods, future projected taxable income, the reversal of taxable temporary differences and tax planning strategies. The Bancorp records a valuation allowance for deferred tax assets where the Bancorp does not believe that it is more likely than not that the deferred tax assets will be realized. Income tax benefits from uncertain tax positions are recognized in the financial statements only if the Bancorp believes that it is more likely than not that the uncertain tax position will be sustained based solely on the technical merits of the tax position and consideration of the relevant taxing authority’s widely understood administrative practices and precedents. If the Bancorp does not believe that it is more likely than not that an uncertain tax position will be sustained, the Bancorp records a liability for the uncertain tax position. If the Bancorp believes that it is more likely than not that an uncertain tax position will be sustained, the Bancorp only records a tax benefit for the portion of the uncertain tax position where the likelihood of realization is greater than 50% upon settlement with the relevant taxing authority that has full knowledge of all relevant information. The Bancorp recognizes interest expense, interest income and penalties related to unrecognized tax benefits within applicable income tax expense in the Consolidated Statements of Income. Refer to Note 21 for further discussion regarding income taxes.
Fair Value Measurements	Fair Value Measurements The Bancorp measures certain financial assets and liabilities at fair value in accordance with U.S. GAAP, which defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The Bancorp employs various valuation approaches to measure fair value including the market, income and cost approaches. The market approach uses prices or relevant information generated by market transactions involving identical or comparable assets or liabilities. The income approach involves discounting future amounts to a single present amount and is based on current market expectations about those future amounts. The cost approach is based on the amount that currently would be required to replace the service capacity of the asset. U.S. GAAP establishes a fair value hierarchy, which prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). A financial instrument’s categorization within the fair value hierarchy is based upon the lowest level of input that is significant to the instrument’s fair value measurement. The three levels within the fair value hierarchy are described as follows: Level 1 – Quoted prices (unadjusted) in active markets for identical assets or liabilities that the Bancorp has the ability to access at the measurement date. Level 2 – Inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. Level 2 inputs include: quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; inputs other than quoted prices that are observable for the asset or liability; and inputs that are derived principally from or corroborated by observable market data by correlation or other means. Level 3 – Unobservable inputs for the asset or liability for which there is little, if any, market activity at the measurement date. Unobservable inputs reflect the Bancorp’s own assumptions about what market participants would use to price the asset or liability. The inputs are developed based on the best information available in the circumstances, which might include the Bancorp’s own financial data such as internally developed pricing models and DCF methodologies, as well as instruments for which the fair value determination requires significant management judgment. The Bancorp’s fair value measurements involve various valuation techniques and models, which involve inputs that are observable, when available. Valuation techniques and parameters used for measuring assets and liabilities are reviewed and validated by the Bancorp on a quarterly basis. Additionally, the Bancorp monitors the fair values of significant assets and liabilities using a variety of methods including the evaluation of pricing runs and exception reports based on certain analytical criteria, comparison to previous trades and overall review and assessments for reasonableness. The Bancorp may, as a practical expedient, measure the fair value of certain investments on the basis of the net asset value per share of the investment, or its equivalent. Any investments which are valued using this practical expedient are not classified in the fair value hierarchy. Refer to Note 28 for further information on fair value measurements.
Revenue Recognition	Revenue Recognition The Bancorp’s interest income is derived from loans and leases, investment securities and other short-term investments. The Bancorp recognizes interest income in accordance with the applicable guidance in U.S. GAAP for these assets. Refer to the Portfolio Loans and Leases and Investment Securities sections of this footnote for further information. The Bancorp generally measures noninterest income revenue based on the amount of consideration the Bancorp expects to be entitled for the transfer of goods or services to a customer, then recognizes this revenue when or as the Bancorp satisfies its performance obligations under the contract, except in transactions where U.S. GAAP provides other applicable guidance. When the amount of consideration is variable, the Bancorp will only recognize revenue to the extent that it is probable that the cumulative amount recognized will not be subject to a significant reversal in the future. Substantially all of the Bancorp’s contracts with customers have expected durations of one year or less and payments are typically due when or as the services are rendered or shortly thereafter. When third parties are involved in providing goods or services to customers, the Bancorp recognizes revenue on a gross basis when it has control over those goods or services prior to transfer to the customer; otherwise, revenue is recognized for the net amount of any fee or commission. The Bancorp excludes sales taxes from the recognition of revenue and recognizes the incremental costs of obtaining contracts as an expense if the period of amortization for those costs would be one year or less. The following provides additional information about the components of noninterest income: • Wealth and asset management revenue consists primarily of service fees for investment management, custody, and trust administration services provided to commercial and consumer clients. The Bancorp’s performance obligations for these services are generally satisfied over time and revenues are recognized monthly based on the fee structure outlined in individual contracts. Transaction prices are most commonly based on the market value of assets under management or care and/or a fee per transaction processed. The Bancorp also offers certain services for which the performance obligations are satisfied and revenue is recognized at a point in time, when the services are performed. Wealth and asset management revenue also includes trailing commissions received from investments and annuities held in customer accounts, which are recognized in revenue when the Bancorp determines that it has satisfied its performance obligations and has sufficient information to estimate the amount of the commissions to which it expects to be entitled. • Commercial payments revenue consists primarily of treasury management fees for commercial clients, monthly service charges on commercial deposit accounts and revenue related to commercial cards associated with commercial client relationships. The Bancorp’s treasury management fees include revenues for traditional treasury management services as well as embedded payments services. Monthly service charges are typically collected from customers directly from the related deposit account at the time the transaction is processed and/or at the end of the customer’s statement cycle (typically monthly). Commercial card revenue includes interchange fees earned when commercial cards are processed through card association networks, revenue derived from the Bancorp’s relationships with card processors and transaction-based fees charged directly to commercial clients. The performance obligations for treasury management fees and service charges on deposits are typically satisfied over time while performance obligations for transaction-based fees are typically satisfied at a point in time when the transactions generating the fees are processed. Revenues are recognized on an accrual basis when or as the services are provided to the customer, net of applicable discounts, waivers, reversals, and costs not controlled by the Bancorp (primarily interchange fees charged by credit card associations and expenses of certain transaction-based rewards programs offered to customers). • Consumer banking revenue consists primarily of interchange fees earned when the Bancorp’s consumer credit and debit cards are processed through card association networks, monthly service charges on consumer deposit accounts and other deposit account-related charges, transaction-based fees (such as late fees, overdraft fees and wire transfer fees) for consumer loans and deposits, and fees related to ancillary services provided to consumers. The Bancorp’s performance obligations for transaction-based fees are typically satisfied at a point in time when the transactions generating the fees are processed while performance obligations for consumer deposit account service charges are typically satisfied over time. Revenues are recognized on an accrual basis when or as the services are provided to the customer, net of applicable discounts, waivers, reversals, and certain costs not controlled by the Bancorp (primarily interchange fees charged by credit card associations and expenses of certain transaction-based rewards programs offered to customers). Revenue related to consumer loans is recognized in accordance with the Bancorp’s policies for portfolio loans and leases. • Capital markets fees consist primarily of underwriting revenue recognized by the Bancorp’s broker-dealer subsidiary, syndication fees for commercial loans, merger and acquisition advisory fees and income earned related to financial risk management services provided to commercial clients. Underwriting revenue is generally recognized on the trade date, which is when the Bancorp’s performance obligations are satisfied. Syndication fees are recognized in income when the syndication is complete unless a portion of the loan is retained in the transaction, in which case the Bancorp’s policies for portfolio loans and leases would apply. Merger and acquisition advisory fees are recognized in income at a point in time when the transactions generating the fees are completed. Income from financial risk management services is primarily related to customer accommodation derivatives and is recognized in accordance with the Bancorp’s policies for derivative financial instruments. • Commercial banking revenue consists primarily of service fees and other income related to lending activity to commercial clients and leasing business revenue, which includes operating lease income, lease remarketing fees and lease syndication fees. Revenue related to loans and leases is recognized in accordance with either the Bancorp’s policies for portfolio loans and leases or when the Bancorp’s performance obligations are satisfied. • Mortgage banking net revenue consists primarily of origination fees and gains on loan sales, mortgage servicing fees and the impact of MSRs. Refer to the Loans and Leases Held for Sale and Loan Sales and Securitizations sections of this footnote for further information. • Other noninterest income primarily includes BOLI income, private equity income, gains and losses on other assets and other miscellaneous revenues and gains.
Earnings Per Share	Earnings Per Share Basic earnings per share is computed by dividing net income available to common shareholders by the weighted-average number of shares of common stock outstanding during the period. Earnings per diluted share is computed by dividing adjusted net income available to common shareholders by the weighted-average number of shares of common stock outstanding, adjusted for the impact of potentially dilutive common shares arising from the exercise or settlement of stock-based awards and the settlement of outstanding forward contracts. The Bancorp calculates earnings per share pursuant to the two-class method. The two-class method is an earnings allocation formula that determines earnings per share separately for common stock and participating securities according to dividends declared and participation rights in undistributed earnings. For purposes of calculating earnings per share under the two-class method, restricted shares that contain nonforfeitable rights to dividends are considered participating securities until vested. While the dividends declared per share on such restricted shares are the same as dividends declared per common share outstanding, the dividends recognized on such restricted shares may be less because dividends paid on restricted shares that are expected to be forfeited are reclassified to compensation expense during the period when forfeiture is expected.
Pension Plans	Pension Plans The Bancorp uses an expected long-term rate of return applied to the fair market value of assets as of the beginning of the year and the expected cash flow during the year for calculating the expected investment return on all pension plan assets. Amortization of the net gain or loss resulting from experience different from that assumed and from changes in assumptions (excluding asset gains and losses not yet reflected in market-related value) is included as a component of net periodic benefit cost. If, as of the beginning of the year, that net gain or loss exceeds 10% of the greater of the projected benefit obligation and the market-related value of plan assets, the amortization is that excess divided by the average remaining service period of participating employees expected to receive benefits under the plan. The Bancorp uses a third-party actuary to compute the remaining service period of participating employees. This period reflects expected turnover, pre-retirement mortality and other applicable employee demographics.
Stock-Based Compensation	Stock-Based Compensation
Other	Other Securities and other property held in a trust or fiduciary capacity by divisions of the Bancorp’s banking subsidiary are not included in the Consolidated Balance Sheets because such items are not assets of the subsidiaries. Other short-term investments have original maturities less than one year and primarily include interest-bearing balances that are funds on deposit at other depository institutions or the FRB. The Bancorp uses other short-term investments as part of its liquidity risk management activities. The Bancorp purchases life insurance policies on the lives of certain directors, officers and employees and is the owner and beneficiary of the policies. The Bancorp invests in these policies, known as BOLI, to provide an efficient form of funding for long-term retirement and other employee benefits costs. Certain BOLI policies have a stable value agreement through either a large, well-rated bank or multi-national insurance carrier that provides limited cash surrender value protection from declines in the value of each policy’s underlying investments. The Bancorp records these BOLI policies within other assets in the Consolidated Balance Sheets at each policy’s respective cash surrender value, with changes recorded in other noninterest income in the Consolidated Statements of Income. Intangible assets are amortized on either a straight-line or an accelerated basis over their estimated useful lives and, based on the type of intangible asset, the amortization expense may be recorded in either commercial banking revenue or other noninterest expense in the Consolidated Statements of Income. The Bancorp reviews intangible assets for impairment whenever events or changes in circumstances indicate that carrying amounts may not be recoverable. Securities sold under repurchase agreements are accounted for as secured borrowings and included in other short-term borrowings in the Consolidated Balance Sheets at the amounts at which the securities were sold plus accrued interest. Acquisitions of treasury stock are carried at cost and are subject to a non-deductible excise tax of 1% of the net fair market value of stock repurchased during a given tax year. The amount of taxable repurchases is reduced by the fair market value of stock which is issued within the same tax year, including stock issued as part of stock-based compensation plans. The Bancorp accounts for this excise tax as a cost of acquiring treasury stock and includes the estimated incremental tax liability associated with individual share repurchase transactions as part of the cost basis of the shares repurchased. Reissuance of shares in treasury for acquisitions, exercises of stock-based awards or other corporate purposes is recorded based on the specific identification method. Advertising costs are generally expensed as incurred.
Accounting and Reporting Developments	ACCOUNTING AND REPORTING DEVELOPMENTS Standards Adopted in 2024 The Bancorp adopted the following new accounting standards effective January 1, 2024: ASU 2022-03 – Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions In June 2022, the FASB issued ASU 2022-03, which clarifies the guidance in ASC 820 on the fair value measurement of an equity security that is subject to contractual sale restrictions, stating that such restrictions are not considered part of the unit of account of the security and therefore are not considered in measuring fair value. The amended guidance also requires disclosure of the fair value of equity securities subject to contractual sale restrictions and certain additional information about those restrictions. The Bancorp adopted the amended guidance on January 1, 2024 on a prospective basis. The adoption did not have a material impact on the Bancorp’s Consolidated Financial Statements. ASU 2023-02 – Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method In March 2023, the FASB issued ASU 2023-02, which expands the permitted usage of the proportional amortization method to include additional tax credit investment programs beyond qualifying LIHTC structures if certain conditions are met. The amended guidance permits entities to make elections to apply the proportional amortization method on a program-by-program basis for qualifying programs and also makes certain amendments to measurement and disclosure guidance. The amended disclosure guidance applies to all investments within programs where the proportional amortization method has been elected, including investments within those programs which do not meet the criteria to permit application of the proportional amortization method. The Bancorp adopted the amended guidance on January 1, 2024 on a modified retrospective basis, except for certain provisions which the Bancorp adopted on a prospective basis, as permitted. Upon adoption, the Bancorp recorded a cumulative-effect adjustment to decrease retained earnings by $10 million, net of tax. ASU 2023-07 – Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures In November 2023, the FASB issued ASU 2023-07, which amends the disclosure requirements for reportable segments. The amendments include new requirements to disclose certain significant segment expenses and other items, the title and position of the chief operating decision maker and information about how the reported measures of segment profit or loss are used in assessing segment performance. The amendments also make certain annual disclosure requirements applicable to interim periods and permit the reporting of multiple measures of segment profit or loss if appropriate. The Bancorp implemented the amended guidance on a retrospective basis beginning with this Annual Report on Form 10-K for the year ended December 31, 2024 and will also apply the amended guidance to interim reporting periods beginning in 2025. The amended disclosures are presented in Note 31. Significant Accounting Standards Issued but Not Yet Adopted The following significant accounting standards were issued but not yet adopted by the Bancorp as of December 31, 2024: ASU 2023-09 – Income Taxes (Topic 740): Improvements to Income Tax Disclosures In December 2023, the FASB issued ASU 2023-09, which amends the disclosure requirements for income taxes. The amendments primarily include new requirements to disclose additional information as part of the reconciliation of the effective tax rate to statutory tax rates, provide the amount of income taxes paid, net of refunds received, and income tax expense disaggregated between federal, state and foreign jurisdictions and provide income before income taxes disaggregated between domestic and foreign jurisdictions. The amendments also discontinue certain other disclosure requirements. The Bancorp adopted the amended guidance on January 1, 2025 on a prospective basis and will provide the amended disclosures within its Annual Report on Form 10-K for the year ended December 31, 2025. ASU 2024-03 – Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses

Supplemental Cash Flow Inform_2

Supplemental Cash Flow Information (Tables)	12 Months Ended
	Dec. 31, 2024
Additional Cash Flow Elements and Supplemental Cash Flow Information [Abstract]
Noncash Investing and Financing Activities	Cash payments related to interest and income taxes in addition to non-cash investing and financing activities are presented in the following table for the years ended December 31: ($ in millions) 2024 2023 2022 Cash Payments: Interest $ 4,871 3,776 869 Income taxes 195 655 272 Transfers: Portfolio loans and leases to loans and leases held for sale $ 422 513 105 Loans and leases held for sale to portfolio loans and leases 4 6 409 Portfolio loans and leases to OREO 23 12 8 Bank premises and equipment to OREO 9 30 24 Available-for-sale debt securities to held-to-maturity securities (a) 11,593 — — Supplemental Disclosures: Net additions to lease liabilities under operating leases $ 74 72 152 Net additions (reductions) to lease liabilities under finance leases 44 (6) 27 (a) Represents the fair value of the securities on the date of transfer. Refer to Note 4 for additional information.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of Investment Securities	The following tables provide the amortized cost, unrealized gains and losses and fair value for the major categories of the available-for-sale debt and other securities and held-to-maturity securities portfolios as of December 31: 2024 ($ in millions) Amortized Cost Unrealized Gains Unrealized Losses Fair Available-for-sale debt and other securities: U.S. Treasury and federal agencies securities $ 4,358 2 — 4,360 Obligations of states and political subdivisions securities — — — — Mortgage-backed securities: Agency residential mortgage-backed securities 6,460 — (779) 5,681 Agency commercial mortgage-backed securities 23,853 1 (3,022) 20,832 Non-agency commercial mortgage-backed securities 4,505 — (338) 4,167 Asset-backed securities and other debt securities 3,924 3 (198) 3,729 Other securities (a) 778 — — 778 Total available-for-sale debt and other securities $ 43,878 6 (4,337) 39,547 Held-to-maturity securities: (b) U.S. Treasury and federal agencies securities $ 2,370 — (26) 2,344 Mortgage-backed securities: Agency residential mortgage-backed securities 4,898 — (197) 4,701 Agency commercial mortgage-backed securities 4,008 — (90) 3,918 Asset-backed securities and other debt securities 2 — — 2 Total held-to-maturity securities $ 11,278 — (313) 10,965 (a) Other securities consist of FHLB, FRB and DTCC restricted stock holdings of $276, $500 and $2, respectively, at December 31, 2024, that are carried at cost. (b) The amortized cost basis includes a discount of $865 at December 31, 2024 pertaining to the remaining unamortized portion of unrealized losses on securities transferred to HTM. 2023 ($ in millions) Amortized Cost Unrealized Gains Unrealized Losses Fair Available-for-sale debt and other securities: U.S. Treasury and federal agencies securities $ 4,477 1 (142) 4,336 Obligations of states and political subdivisions securities 2 — — 2 Mortgage-backed securities: Agency residential mortgage-backed securities 11,564 — (1,282) 10,282 Agency commercial mortgage-backed securities 28,945 5 (3,230) 25,720 Non-agency commercial mortgage-backed securities 4,872 — (427) 4,445 Asset-backed securities and other debt securities 5,207 3 (298) 4,912 Other securities (a) 722 — — 722 Total available-for-sale debt and other securities $ 55,789 9 (5,379) 50,419 Held-to-maturity securities: Asset-backed securities and other debt securities $ 2 — — 2 Total held-to-maturity securities $ 2 — — 2 (a) Other securities consist of FHLB, FRB and DTCC restricted stock holdings of $224, $496 and $2, respectively, at December 31, 2023, that are carried at cost. The following table provides the fair value of trading debt securities and equity securities as of December 31: ($ in millions) 2024 2023 Trading debt securities $ 1,185 899 Equity securities 341 613
Realized Gain (Loss) on Investments	The following table presents the components of net securities gains and losses recognized in the Consolidated Statements of Income, including those recognized related to the Bancorp’s non-qualifying hedging strategy for MSRs, for the years ended December 31: ($ in millions) 2024 2023 2022 Available-for-sale debt and other securities: Realized gains $ 5 34 16 Realized losses (2) (30) (13) Impairment losses (21) (5) (1) Net (losses) gains on available-for-sale debt and other securities $ (18) (1) 2 Trading debt securities: Net realized losses — — (2) Net unrealized gains — 3 11 Net trading debt securities gains $ — 3 9 Equity securities: Net realized gains 15 5 1 Net unrealized gains (losses) 18 11 (96) Net equity securities gains (losses) $ 33 16 (95) Total gains (losses) recognized in income from available-for-sale debt and other securities, trading debt securities and equity securities (a) $ 15 18 (84) (a) Excludes $5 and $13 of net securities gains for the years ended December 31, 2024 and 2023, respectively, and an immaterial amount of net securities losses for the year ended December 31, 2022 related to securities held by FTS to facilitate the timely execution of customer transactions. These gains and losses are included in capital markets fees and wealth and asset management revenue in the Consolidated Statements of Income.
Contractual Maturity Schedule	The expected maturity distribution of the Bancorp’s mortgage-backed securities and the contractual maturity distribution of the remainder of the Bancorp’s available-for-sale debt and other securities and held-to-maturity securities as of December 31, 2024 are shown in the following table: Available-for-Sale Debt and Other Held-to-Maturity ($ in millions) Amortized Cost Fair Value Amortized Cost Fair Value Debt securities: (a) Due in 1 year or less $ 3,682 3,666 37 38 Due after 1 year through 5 years 16,586 15,643 3,231 3,191 Due after 5 years through 10 years 16,262 13,830 7,549 7,286 Due after 10 years 6,570 5,630 461 450 Other securities 778 778 — — Total $ 43,878 39,547 11,278 10,965 (a) Actual maturities may differ from contractual maturities when a right to call or prepay obligations exists with or without call or prepayment penalties.
Fair Value and Gross Unrealized Loss of Securities Available for Sale	The following table provides the fair value and gross unrealized losses on available-for-sale debt and other securities in an unrealized loss position, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of December 31: Less than 12 months 12 months or more Total ($ in millions) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses 2024 U.S. Treasury and federal agencies securities $ 569 — — — 569 — Agency residential mortgage-backed securities 1,061 (14) 4,566 (765) 5,627 (779) Agency commercial mortgage-backed securities 157 (6) 20,536 (3,016) 20,693 (3,022) Non-agency commercial mortgage-backed securities 183 (3) 3,984 (335) 4,167 (338) Asset-backed securities and other debt securities 283 (11) 3,157 (187) 3,440 (198) Total $ 2,253 (34) 32,243 (4,303) 34,496 (4,337) 2023 U.S. Treasury and federal agencies securities $ 1,989 (3) 2,157 (139) 4,146 (142) Agency residential mortgage-backed securities 81 (2) 10,200 (1,280) 10,281 (1,282) Agency commercial mortgage-backed securities 5,439 (556) 19,957 (2,674) 25,396 (3,230) Non-agency commercial mortgage-backed securities 141 (2) 4,284 (425) 4,425 (427) Asset-backed securities and other debt securities 340 (17) 4,184 (281) 4,524 (298) Total $ 7,990 (580) 40,782 (4,799) 48,772 (5,379)

Loans and Leases (Tables)

Loans and Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Loans and Leases Classified by Primary Purpose	The following table provides a summary of commercial loans and leases classified by primary purpose and consumer loans classified based upon product or collateral as of December 31: ($ in millions) 2024 2023 Loans and leases held for sale: Commercial and industrial loans $ 15 41 Commercial mortgage loans 22 — Commercial construction loans 29 — Commercial leases — 3 Residential mortgage loans 574 334 Total loans and leases held for sale $ 640 378 Portfolio loans and leases: Commercial and industrial loans $ 52,271 53,270 Commercial mortgage loans 12,246 11,276 Commercial construction loans 5,588 5,621 Commercial leases 3,188 2,579 Total commercial loans and leases $ 73,293 72,746 Residential mortgage loans $ 17,543 17,026 Home equity 4,188 3,916 Indirect secured consumer loans 16,313 14,965 Credit card 1,734 1,865 Solar energy installation loans 4,202 3,728 Other consumer loans 2,518 2,988 Total consumer loans $ 46,498 44,488 Total portfolio loans and leases $ 119,791 117,234
Total Loans and Leases Owned by the Bancorp	The following table presents a summary of the total loans and leases owned by the Bancorp and net charge-offs (recoveries) as of and for the years ended December 31: Carrying Value 90 Days Past Due and Still Accruing (a) Net Charge-Offs (Recoveries) ($ in millions) 2024 2023 2024 2023 2024 2023 Commercial and industrial loans $ 52,286 53,311 5 8 242 155 Commercial mortgage loans 12,268 11,276 — — — (2) Commercial construction loans 5,617 5,621 — — — 1 Commercial leases 3,188 2,582 1 — 2 (1) Residential mortgage loans 18,117 17,360 6 7 (2) — Home equity 4,188 3,916 — — (1) 1 Indirect secured consumer loans 16,313 14,965 — — 90 72 Credit card 1,734 1,865 20 21 68 64 Solar energy installation loans 4,202 3,728 — — 56 26 Other consumer loans 2,518 2,988 — — 77 72 Total loans and leases $ 120,431 117,612 32 36 532 388 Less: Loans and leases held for sale 640 378 Total portfolio loans and leases $ 119,791 117,234 (a)
Investment in Lease Financing	The following table presents the components of the net investment in portfolio leases as of December 31: ($ in millions) (a) 2024 2023 Net investment in direct financing leases: Lease payment receivable (present value) $ 631 556 Unguaranteed residual assets (present value) 121 105 Net investment in sales-type leases: Lease payment receivable (present value) 2,102 1,585 Unguaranteed residual assets (present value) 86 84 (a) Excludes $248 and $249 of leveraged leases at December 31, 2024 and 2023, respectively.
Sales-Type and Direct Financing Leases, Payment to be Received, Maturity	The following table presents undiscounted cash flows for both direct financing and sales-type portfolio leases for 2025 through 2029 and thereafter as well as a reconciliation of the undiscounted cash flows to the total lease receivables as follows: As of December 31, 2024 ($ in millions) Direct Financing Sales-Type Leases 2025 $ 197 653 2026 169 508 2027 137 438 2028 76 313 2029 53 172 Thereafter 69 229 Total undiscounted cash flows $ 701 2,313 Less: Difference between undiscounted cash flows and discounted cash flows 70 211 Present value of lease payments (recognized as lease receivables) $ 631 2,102

Credit Quality and the Allowa_2

Credit Quality and the Allowance for Loan and Lease Losses (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Summary of Transactions in the ALLL	The following tables summarize transactions in the ALLL by portfolio segment for the years ended December 31: 2024 ($ in millions) Commercial Residential Mortgage Consumer Total Balance, beginning of period $ 1,130 145 1,047 2,322 Losses charged-off (a) (267) (2) (417) (686) Recoveries of losses previously charged-off (a) 23 4 127 154 Provision for (benefit from) loan and lease losses 268 (1) 295 562 Balance, end of period $ 1,154 146 1,052 2,352 (a) The Bancorp recorded $28 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements. 2023 ($ in millions) Commercial Residential Mortgage Consumer Total Balance, beginning of period $ 1,127 245 822 2,194 Impact of adoption of ASU 2022-02 4 (36) (17) (49) Losses charged-off (a) (170) (4) (348) (522) Recoveries of losses previously charged-off (a) 17 4 113 134 Provision for (benefit from) loan and lease losses 152 (64) 477 565 Balance, end of period $ 1,130 145 1,047 2,322 (a) The Bancorp recorded $35 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements. 2022 ($ in millions) Commercial Residential Mortgage Consumer Total Balance, beginning of period $ 1,102 235 555 1,892 Losses charged-off (a) (131) (3) (228) (362) Recoveries of losses previously charged-off (a) 30 5 100 135 Provision for loan and lease losses 126 8 395 529 Balance, end of period $ 1,127 245 822 2,194 (a) The Bancorp recorded $32 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements.
Summary of the ALLL and Related Loans and Leases Classified by Portfolio Segment	The following tables provide a summary of the ALLL and related loans and leases classified by portfolio segment: As of December 31, 2024 ($ in millions) Commercial Residential Mortgage Consumer Total ALLL: (a) Individually evaluated $ 106 — 11 117 Collectively evaluated 1,048 146 1,041 2,235 Total ALLL $ 1,154 146 1,052 2,352 Portfolio loans and leases: (b) Individually evaluated $ 395 131 96 622 Collectively evaluated 72,898 17,304 28,859 119,061 Total portfolio loans and leases $ 73,293 17,435 28,955 119,683 (a) Includes $1 related to commercial leveraged leases at December 31, 2024. (b) Excludes $108 of residential mortgage loans measured at fair value and includes $248 of commercial leveraged leases, net of unearned income, at December 31, 2024. As of December 31, 2023 ($ in millions) Commercial Residential Mortgage Consumer Total ALLL: (a) Individually evaluated $ 90 — 6 96 Collectively evaluated 1,040 145 1,041 2,226 Total ALLL $ 1,130 145 1,047 2,322 Portfolio loans and leases: (b) Individually evaluated $ 281 126 69 476 Collectively evaluated 72,465 16,784 27,393 116,642 Total portfolio loans and leases $ 72,746 16,910 27,462 117,118 (a) Includes $2 related to commercial leveraged leases at December 31, 2023. (b) Excludes $116 of residential mortgage loans measured at fair value and includes $249 of commercial leveraged leases, net of unearned income, at December 31, 2023.
Loan and Leases Balances by Credit Quality Indicator	The following tables present the amortized cost basis of the Bancorp’s commercial portfolio segment, by class and vintage, disaggregated by credit risk rating: As of December 31, 2024 ($ in millions) Term Loans and Leases by Origination Year Revolving 2024 2023 2022 2021 2020 Prior Total Commercial and industrial loans: Pass $ 2,966 1,346 2,445 1,321 371 437 40,185 49,071 Special mention 15 13 22 1 3 9 1,055 1,118 Substandard 67 95 182 74 32 15 1,545 2,010 Doubtful — — 2 — — — 70 72 Total commercial and industrial loans $ 3,048 1,454 2,651 1,396 406 461 42,855 52,271 Commercial mortgage owner-occupied loans: Pass $ 786 790 844 630 315 307 1,829 5,501 Special mention 8 9 23 7 — 3 31 81 Substandard 64 34 24 28 9 43 239 441 Doubtful — — — — — — — — Total commercial mortgage owner-occupied loans $ 858 833 891 665 324 353 2,099 6,023 Commercial mortgage nonowner-occupied loans: Pass $ 710 751 769 170 263 408 2,698 5,769 Special mention 54 — 50 5 — — 150 259 Substandard 38 27 9 — — 2 119 195 Doubtful — — — — — — — — Total commercial mortgage nonowner-occupied loans $ 802 778 828 175 263 410 2,967 6,223 Commercial construction loans: Pass $ 4 21 — 29 — — 4,565 4,619 Special mention — — — — — — 756 756 Substandard — — — — — — 213 213 Doubtful — — — — — — — — Total commercial construction loans $ 4 21 — 29 — — 5,534 5,588 Commercial leases: Pass $ 1,532 335 281 311 137 517 — 3,113 Special mention 4 4 2 3 2 4 — 19 Substandard — 11 12 4 3 26 — 56 Doubtful — — — — — — — — Total commercial leases $ 1,536 350 295 318 142 547 — 3,188 Total commercial loans and leases: Pass $ 5,998 3,243 4,339 2,461 1,086 1,669 49,277 68,073 Special mention 81 26 97 16 5 16 1,992 2,233 Substandard 169 167 227 106 44 86 2,116 2,915 Doubtful — — 2 — — — 70 72 Total commercial loans and leases $ 6,248 3,436 4,665 2,583 1,135 1,771 53,455 73,293 As of December 31, 2023 ($ in millions) Term Loans and Leases by Origination Year Revolving and Other Loans 2023 2022 2021 2020 2019 Prior Total Commercial and industrial loans: Pass $ 2,124 3,434 1,814 580 263 321 40,889 49,425 Special mention 16 100 60 33 6 105 1,756 2,076 Substandard 105 103 28 18 39 73 1,397 1,763 Doubtful — — — — — — 6 6 Total commercial and industrial loans $ 2,245 3,637 1,902 631 308 499 44,048 53,270 Commercial mortgage owner-occupied loans: Pass $ 870 1,078 746 408 219 260 1,279 4,860 Special mention 30 23 18 — 6 — 20 97 Substandard 31 22 11 10 45 10 114 243 Doubtful — — — — — — — — Total commercial mortgage owner-occupied loans $ 931 1,123 775 418 270 270 1,413 5,200 Commercial mortgage nonowner-occupied loans: Pass $ 886 825 261 348 293 243 2,724 5,580 Special mention 111 166 — 2 — 2 81 362 Substandard 81 1 8 — — 2 42 134 Doubtful — — — — — — — — Total commercial mortgage nonowner-occupied loans $ 1,078 992 269 350 293 247 2,847 6,076 Commercial construction loans: Pass $ 171 36 45 41 70 6 4,818 5,187 Special mention — — — — — — 199 199 Substandard 61 — 33 — — — 141 235 Doubtful — — — — — — — — Total commercial construction loans $ 232 36 78 41 70 6 5,158 5,621 Commercial leases: Pass $ 598 386 462 202 145 664 — 2,457 Special mention 1 9 12 3 8 14 — 47 Substandard 20 14 1 5 5 30 — 75 Doubtful — — — — — — — — Total commercial leases $ 619 409 475 210 158 708 — 2,579 Total commercial loans and leases: Pass $ 4,649 5,759 3,328 1,579 990 1,494 49,710 67,509 Special mention 158 298 90 38 20 121 2,056 2,781 Substandard 298 140 81 33 89 115 1,694 2,450 Doubtful — — — — — — 6 6 Total commercial loans and leases $ 5,105 6,197 3,499 1,650 1,099 1,730 53,466 72,746 The following tables summarize the Bancorp’s gross charge-offs within the commercial portfolio segment, by class and vintage during the years ended December 31: 2024 ($ in millions) Term Loans and Leases by Origination Year Revolving and Other Loans 2024 2023 2022 2021 2020 Prior Total Commercial loans and leases: Commercial and industrial loans $ 1 6 17 1 1 — 238 264 Commercial mortgage owner-occupied loans — 1 — — — — — 1 Commercial construction loans — — — — — — — — Commercial leases — — — — — 2 — 2 Total commercial loans and leases $ 1 7 17 1 1 2 238 267 2023 ($ in millions) Term Loans and Leases by Origination Year Revolving and Other Loans 2023 2022 2021 2020 2019 Prior Total Commercial loans and leases: Commercial and industrial loans $ 25 7 12 1 — 11 112 168 Commercial mortgage owner-occupied loans — — — — — — 1 1 Commercial construction loans — — — — — — 1 1 Commercial leases — — — — — — — — Total commercial loans and leases $ 25 7 12 1 — 11 114 170 The following tables present the amortized cost basis of the Bancorp’s residential mortgage and consumer portfolio segments, by class and vintage, disaggregated by both age and performing versus nonperforming status: As of December 31, 2024 ($ in millions) Term Loans by Origination Year Revolving Revolving Loans Converted to Term Loans 2024 2023 2022 2021 2020 Prior Total Residential mortgage loans: Performing: Current (a) $ 1,961 998 2,961 4,606 2,491 4,245 — — 17,262 30-89 days past due 1 3 4 9 4 12 — — 33 90 days or more past due 1 — 1 1 — 2 — — 5 Nonperforming — 2 9 13 8 103 — — 135 Total residential mortgage loans (b) $ 1,963 1,003 2,975 4,629 2,503 4,362 — — 17,435 Home equity: Performing: Current $ 168 67 34 2 4 86 3,660 72 4,093 30-89 days past due — — — — — 1 23 1 25 90 days or more past due — — — — — — — — — Nonperforming — — 1 — — 7 56 6 70 Total home equity $ 168 67 35 2 4 94 3,739 79 4,188 Indirect secured consumer loans: Performing: Current $ 6,773 2,836 3,046 2,371 753 349 — — 16,128 30-89 days past due 19 27 39 27 11 7 — — 130 90 days or more past due — — — — — — — — — Nonperforming 4 10 19 13 5 4 — — 55 Total indirect secured consumer loans $ 6,796 2,873 3,104 2,411 769 360 — — 16,313 Credit card: Performing: Current $ — — — — — — 1,664 — 1,664 30-89 days past due — — — — — — 18 — 18 90 days or more past due — — — — — — 20 — 20 Nonperforming — — — — — — 32 — 32 Total credit card $ — — — — — — 1,734 — 1,734 Solar energy installation loans: Performing: Current $ 894 2,095 1,094 2 — 33 — — 4,118 30-89 days past due 2 11 7 — — — — — 20 90 days or more past due — — — — — — — — — Nonperforming 1 34 28 — — 1 — — 64 Total solar energy installation loans $ 897 2,140 1,129 2 — 34 — — 4,202 Other consumer loans: Performing: Current $ 201 351 507 219 171 142 860 34 2,485 30-89 days past due 1 5 10 3 1 2 1 1 24 90 days or more past due — — — — — — — — — Nonperforming — 2 4 1 — 1 — 1 9 Total other consumer loans $ 202 358 521 223 172 145 861 36 2,518 Total residential mortgage and consumer loans: Performing: Current $ 9,997 6,347 7,642 7,200 3,419 4,855 6,184 106 45,750 30-89 days past due 23 46 60 39 16 22 42 2 250 90 days or more past due 1 — 1 1 — 2 20 — 25 Nonperforming 5 48 61 27 13 116 88 7 365 Total residential mortgage and consumer loans (b) $ 10,026 6,441 7,764 7,267 3,448 4,995 6,334 115 46,390 (a) Information includes advances made pursuant to servicing agreements for GNMA mortgage pools whose repayments are insured by the FHA or guaranteed by the VA. As of December 31, 2024, $90 of these loans were 30-89 days past due and $162 were 90 days or more past due. The Bancorp recognized $1 of losses during the year ended December 31, 2024 due to claim denials and curtailments associated with these insured or guaranteed loans. (b) Excludes $108 of residential mortgage loans measured at fair value at December 31, 2024, including $1 of 30-89 days past due loans, $1 of 90 days or more past due loans and $2 of nonperforming loans. As of December 31, 2023 ($ in millions) Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term Loans 2023 2022 2021 2020 2019 Prior Total Residential mortgage loans: Performing: Current (a) $ 995 3,139 5,001 2,703 943 3,971 — — 16,752 30-89 days past due — 3 6 5 1 14 — — 29 90 days or more past due — 1 1 1 1 3 — — 7 Nonperforming — 6 6 5 4 101 — — 122 Total residential mortgage loans (b) $ 995 3,149 5,014 2,714 949 4,089 — — 16,910 Home equity: Performing: Current $ 84 41 2 6 11 92 3,549 46 3,831 30-89 days past due — — — — — 2 25 1 28 90 days or more past due — — — — — — — — — Nonperforming — — — — — 6 50 1 57 Total home equity $ 84 41 2 6 11 100 3,624 48 3,916 Indirect secured consumer loans: Performing: Current $ 4,126 4,333 3,925 1,527 597 271 — — 14,779 30-89 days past due 22 49 40 19 12 8 — — 150 90 days or more past due — — — — — — — — — Nonperforming 4 11 9 6 3 3 — — 36 Total indirect secured consumer loans $ 4,152 4,393 3,974 1,552 612 282 — — 14,965 Credit card: Performing: Current $ — — — — — — 1,789 — 1,789 30-89 days past due — — — — — — 21 — 21 90 days or more past due — — — — — — 21 — 21 Nonperforming — — — — — — 34 — 34 Total credit card $ — — — — — — 1,865 — 1,865 Solar energy installation loans: Performing: Current $ 2,415 1,192 2 — — 41 — — 3,650 30-89 days past due 12 6 — — — — — — 18 90 days or more past due — — — — — — — — — Nonperforming 29 30 — — — 1 — — 60 Total solar energy installation loans $ 2,456 1,228 2 — — 42 — — 3,728 Other consumer loans: Performing: Current $ 511 703 328 246 101 154 859 41 2,943 30-89 days past due 5 15 4 2 2 2 2 1 33 90 days or more past due — — — — — — — — — Nonperforming 2 6 1 1 1 — — 1 12 Total other consumer loans $ 518 724 333 249 104 156 861 43 2,988 Total residential mortgage and consumer loans: Performing: Current $ 8,131 9,408 9,258 4,482 1,652 4,529 6,197 87 43,744 30-89 days past due 39 73 50 26 15 26 48 2 279 90 days or more past due — 1 1 1 1 3 21 — 28 Nonperforming 35 53 16 12 8 111 84 2 321 Total residential mortgage and consumer loans (b) $ 8,205 9,535 9,325 4,521 1,676 4,669 6,350 91 44,372 (a) Information includes advances made pursuant to servicing agreements for GNMA mortgage pools whose repayments are insured by the FHA or guaranteed by the VA. As of December 31, 2023, $79 of these loans were 30-89 days past due and $141 were 90 days or more past due. The Bancorp recognized $2 of losses during the year ended December 31, 2023 due to claim denials and curtailments associated with these insured or guaranteed loans. (b) Excludes $116 of residential mortgage loans measured at fair value at December 31, 2023, including $1 of 30-89 days past due loans and $2 of nonperforming loans. The following tables summarize the Bancorp’s gross charge-offs within the residential mortgage and consumer portfolio segments, by class and vintage during the years ended December 31: 2024 ($ in millions) Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term Loans 2024 2023 2022 2021 2020 Prior Total Residential mortgage loans $ — — — — — 2 — — 2 Consumer loans: Home equity — — — — — 1 5 — 6 Indirect secured consumer loans 7 35 53 25 9 10 — — 139 Credit card — — — — — — 87 — 87 Solar energy installation loans 2 16 13 — 14 18 — — 63 Other consumer loans 1 12 24 12 20 16 34 3 122 Total residential mortgage and consumer loans $ 10 63 90 37 43 47 126 3 419 2023 ($ in millions) Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term Loans 2023 2022 2021 2020 2019 Prior Total Residential mortgage loans $ — — — — — 4 — — 4 Consumer loans: Home equity — — — — — 1 7 — 8 Indirect secured consumer loans 9 42 27 14 10 8 — — 110 Credit card — — — — — — 82 — 82 Solar energy installation loans 8 16 1 — — 2 — — 27 Other consumer loans 7 37 14 12 7 8 34 2 121 Total residential mortgage and consumer loans $ 24 95 42 26 17 23 123 2 352
Summary by Age and Class of the Recorded Investment in Delinquencies Included in the Bancorp's Portfolio of Loans and Leases	The following tables summarize the Bancorp’s amortized cost basis in portfolio commercial loans and leases, by age and class: Current Loans and Leases (a) Past Due Total Loans and Leases 90 Days Past Due and Still Accruing As of December 31, 2024 ($ in millions) 30-89 Days (a) 90 Days or More (a) Total Past Due Commercial loans and leases: Commercial and industrial loans $ 52,098 90 83 173 52,271 5 Commercial mortgage owner-occupied loans 5,980 40 3 43 6,023 — Commercial mortgage nonowner-occupied loans 6,215 6 2 8 6,223 — Commercial construction loans 5,587 1 — 1 5,588 — Commercial leases 3,167 18 3 21 3,188 1 Total portfolio commercial loans and leases $ 73,047 155 91 246 73,293 6 (a) Includes accrual and nonaccrual loans and leases. Current Loans and Leases (a) Past Due Total Loans and Leases 90 Days Past Due and Still Accruing As of December 31, 2023 ($ in millions) 30-89 Days (a) 90 Days or More (a) Total Past Due Commercial loans and leases: Commercial and industrial loans $ 53,107 61 102 163 53,270 8 Commercial mortgage owner-occupied loans 5,196 1 3 4 5,200 — Commercial mortgage nonowner-occupied loans 6,061 14 1 15 6,076 — Commercial construction loans 5,621 — — — 5,621 — Commercial leases 2,562 17 — 17 2,579 — Total portfolio commercial loans and leases $ 72,547 93 106 199 72,746 8 (a) Includes accrual and nonaccrual loans and leases.
Summary of the Amortized Cost Basis of the Bancorp's Collateral Dependent Loans	The following table presents the amortized cost basis of the Bancorp’s collateral-dependent loans and leases, by portfolio class, as of: ($ in millions) December 31, December 31, Commercial loans and leases: Commercial and industrial loans $ 325 268 Commercial mortgage owner-occupied loans 63 8 Commercial mortgage nonowner-occupied loans 4 2 Commercial construction loans 1 1 Commercial leases 2 — Total commercial loans and leases $ 395 279 Residential mortgage loans 131 126 Consumer loans: Home equity 66 54 Indirect secured consumer loans 30 15 Total consumer loans $ 96 69 Total portfolio loans and leases $ 622 474
Summary of the Bancorp's Nonperforming Loans and Leases by Class	The following table presents the amortized cost basis of the Bancorp’s nonaccrual loans and leases, by class, and OREO and other repossessed property, as of: December 31, 2024 December 31, 2023 ($ in millions) With an ALLL No Related Total With an ALLL No Related Total Commercial loans and leases: Commercial and industrial loans $ 265 109 374 273 31 304 Commercial mortgage owner-occupied loans 52 23 75 11 6 17 Commercial mortgage nonowner-occupied loans — 4 4 — 3 3 Commercial construction loans — 1 1 — 1 1 Commercial leases 2 — 2 — 1 1 Total nonaccrual portfolio commercial loans and leases $ 319 137 456 284 42 326 Residential mortgage loans 57 80 137 26 98 124 Consumer loans: Home equity 21 49 70 21 36 57 Indirect secured consumer loans 48 7 55 32 4 36 Credit card 32 — 32 34 — 34 Solar energy installation loans 64 — 64 60 — 60 Other consumer loans 9 — 9 12 — 12 Total nonaccrual portfolio consumer loans $ 174 56 230 159 40 199 Total nonaccrual portfolio loans and leases (a)(b) $ 550 273 823 469 180 649 OREO and other repossessed property — 30 30 — 39 39 Total nonperforming portfolio assets (a)(b) $ 550 303 853 469 219 688 (a) Excludes $7 and $1 of nonaccrual loans held for sale as of December 31, 2024 and 2023, respectively. (b) Includes $18 and $19 of nonaccrual government-insured commercial loans whose repayments are insured by the SBA as of December 31, 2024 and 2023, respectively.
Summary of Loans Modifications	The following tables present the amortized cost basis as of December 31, 2024 and 2023, respectively, of the Bancorp’s commercial portfolio loans that were modified for borrowers experiencing financial difficulty, by portfolio class and type of modification, during the years ended: December 31, 2024 ($ in millions) Term Extension Term Extension and Payment Delay Payment Delay Other Total % of Total Class Commercial and industrial loans $ 155 19 57 1 232 0.44 % Commercial mortgage owner-occupied loans 46 14 1 — 61 1.01 Commercial mortgage nonowner-occupied loans 72 — — — 72 1.16 Commercial construction loans 58 — — 1 59 1.06 Total commercial portfolio loans $ 331 33 58 2 424 0.60 % December 31, 2023 ($ in millions) Term Extension Term Extension and Payment Delay Payment Delay Other Total % of Total Class Commercial and industrial loans $ 155 31 56 3 245 0.46 % Commercial mortgage owner-occupied loans 27 — — — 27 0.52 Commercial mortgage nonowner-occupied loans 66 — — 2 68 1.12 Commercial construction loans 113 — — — 113 2.01 Total commercial portfolio loans $ 361 31 56 5 453 0.62 % The following table presents the amortized cost basis as of December 31, 2024 and 2023 of the Bancorp’s residential mortgage portfolio loans that were modified for borrowers experiencing financial difficulty, by type of modification, during the years ended: December 31, 2024 December 31, 2023 ($ in millions) Total % of Total Class Total % of Total Class Payment delay $ 5 0.03 % $ 18 0.11 % Term extension and payment delay 72 0.41 91 0.53 Term extension, interest rate reduction and payment delay 12 0.07 4 0.02 Total residential mortgage portfolio loans $ 89 0.51 % $ 113 0.66 % The following tables present the amortized cost basis as of December 31, 2024 and 2023, respectively, of the Bancorp’s consumer portfolio loans that were modified for borrowers experiencing financial difficulty, by portfolio class and type of modification, during the years ended: December 31, 2024 ($ in millions) Interest Rate Reduction Payment Delay Interest Rate Reduction and Payment Delay Term Extension and Payment Delay Term Extension, Interest Rate Reduction and Payment Delay Total % of Total Class Home equity $ 4 — — 2 9 15 0.36 % Credit card 20 — — — — 20 1.15 Solar energy installation loans — 1 — — — 1 0.02 Other consumer loans — 3 — — — 3 0.12 Total consumer portfolio loans $ 24 4 — 2 9 39 0.13 % December 31, 2023 ($ in millions) Interest Rate Reduction Payment Delay Interest Rate Reduction and Payment Delay Term Extension and Payment Delay Term Extension, Interest Rate Reduction and Payment Delay Total % of Total Class Home equity $ 4 1 1 2 8 16 0.41 % Credit card 27 — — — — 27 1.45 Solar energy installation loans — 1 — — — 1 0.03 Other consumer loans — 5 — — — 5 0.17 Total consumer portfolio loans $ 31 7 1 2 8 49 0.18 % The following table presents the financial effects of the Bancorp’s significant types of portfolio loan modifications to borrowers experiencing financial difficulty, by portfolio class for the years ended December 31: Financial Effects 2024 2023 Commercial loans: Commercial and industrial loans Weighted-average length of term extensions 9 months 11 months Weighted-average length of payment delay 15 months 23 months Commercial mortgage owner- occupied loans Weighted-average length of term extensions 10 months 15 months Weighted-average length of payment delay 15 months N/A Commercial mortgage nonowner- occupied loans Weighted-average length of term extensions 20 months 16 months Commercial construction loans Weighted-average length of term extensions 12 months 12 months Residential mortgage loans Weighted-average length of term extensions 10.4 years 12.9 years Approximate amount of payment delays as a percentage of the related loan balances 13% 17% Consumer loans: Home equity Weighted-average length of term extensions 22.8 years 24.2 years Weighted-average interest rate reduction From 9.2% to 7.2% From 8.7% to 7.0% Approximate amount of payment delays as a percentage of the related loan balances 5% 5% Credit card Weighted-average interest rate reduction From 23.9% to 4.1% From 23.7% to 3.9%
Financing Receivable, Modified, Past Due	The following tables present the amortized cost basis as of December 31, 2024 and 2023, respectively, for the Bancorp’s portfolio loans that were modified during the years ended December 31, 2024 and 2023, respectively, for borrowers experiencing financial difficulty, by age and portfolio class: December 31, 2024 ($ in millions) Past Due Current 30-89 Days 90 Days or More Total Commercial loans: Commercial and industrial loans $ 182 22 28 232 Commercial mortgage owner-occupied loans 61 — — 61 Commercial mortgage nonowner-occupied loans 72 — — 72 Commercial construction loans 59 — — 59 Residential mortgage loans 56 15 18 89 Consumer loans: Home equity 13 1 1 15 Credit card (a) 15 3 2 20 Solar energy installation loans 1 — — 1 Other consumer loans 3 — — 3 Total portfolio loans $ 462 41 49 552 (a) Credit card loans continue to be reported as delinquent after modification as they are not returned to current status until the borrower demonstrates a willingness and ability to repay the loan according to its modified terms. December 31, 2023 ($ in millions) Past Due Current 30-89 Days 90 Days or More Total Commercial loans: Commercial and industrial loans $ 184 9 52 245 Commercial mortgage owner-occupied loans 26 — 1 27 Commercial mortgage nonowner-occupied loans 68 — — 68 Commercial construction loans 113 — — 113 Residential mortgage loans 86 15 12 113 Consumer loans: Home equity 14 2 — 16 Credit card (a) 19 5 3 27 Solar energy installation loans 1 — — 1 Other consumer loans 5 — — 5 Total portfolio loans $ 516 31 68 615 (a) Credit card loans continue to be reported as delinquent after modification as they are not returned to current status until the borrower demonstrates a willingness and ability to repay the loan according to its modified terms.
Summary of Amortized Cost Basis of Modifications to Borrowers Experiencing Financial Difficulty That Subsequently Defaulted and Were Within Twelve Months of the Modification Date	The following tables present the amortized cost basis as of December 31, 2024 and 2023, respectively, of the modifications for borrowers experiencing financial difficulty that subsequently defaulted during the years ended December 31, 2024 and 2023, respectively, and were within twelve months of the modification date: December 31, 2024 ($ in millions) Term Extension Interest Rate Reduction Payment Delay Term Extension and Interest Rate Reduction Term Extension and Payment Delay Term Extension, Interest Rate Reduction and Payment Delay Total Commercial loans: Commercial and industrial loans $ 14 — 13 1 8 — 36 Commercial mortgage owner-occupied loans — — — — — — — Residential mortgage loans — — 3 — 29 6 38 Consumer loans: Home equity — 1 — — 1 1 3 Credit card — 9 — — — — 9 Total portfolio loans $ 14 10 16 1 38 7 86 December 31, 2023 ($ in millions) (a) Term Extension Interest Rate Reduction Payment Delay Term Extension and Interest Rate Reduction Term Extension and Payment Delay Term Extension, Interest Rate Reduction and Payment Delay Total Commercial loans: Commercial and industrial loans $ 51 — — — — — 51 Commercial mortgage owner-occupied loans 1 — — — — — 1 Residential mortgage loans — — 2 — 11 1 14 Consumer loans: Home equity — 1 — — — — 1 Credit card — 10 — — — — 10 Total portfolio loans $ 52 11 2 — 11 1 77 (a) Excludes loans modified prior to the adoption of ASU 2022-02.

Bank Premises and Equipment (Ta

Bank Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Summary of Bank Premises and Equipment	The following table provides a summary of bank premises and equipment as of December 31: ($ in millions) Estimated Useful Life 2024 2023 Equipment 1 - 20 years $ 2,769 2,578 Buildings (a) 1 - 30 years 1,784 1,742 Leasehold improvements 1 - 30 years 760 685 Land and improvements (a) 623 618 Construction in progress (a) 199 180 Bank premises and equipment held for sale: (b) Land and improvements 10 15 Buildings 4 4 Accumulated depreciation and amortization (3,674) (3,473) Total bank premises and equipment $ 2,475 2,349 (a) At December 31, 2024 and 2023, land and improvements, buildings and construction in progress included $1 and $9, respectively, associated with parcels of undeveloped land intended for future branch expansion. (b) Included within the assets of General Corporate & Other in the Bancorp’s segment reporting.

Operating Lease Equipment (Tabl

Operating Lease Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Future Lease Payments Receivable from Operating Leases	The following table presents future lease payments receivable from operating leases for 2025 through 2029 and thereafter: As of December 31, 2024 ($ in millions) Undiscounted 2025 $ 73 2026 47 2027 25 2028 11 2029 6 Thereafter 9 Total operating lease payments $ 171

Lease Obligations - Lessee (Tab

Lease Obligations - Lessee (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Lease Assets and Lease Liabilities	The following table provides a summary of lease assets and lease liabilities as of December 31: ($ in millions) Consolidated Balance Sheets Caption 2024 2023 Assets Operating lease ROU assets Other assets $ 526 511 Finance lease ROU assets Bank premises and equipment 146 126 Total ROU assets (a) $ 672 637 Liabilities Operating lease liabilities Accrued taxes, interest and expenses $ 606 601 Finance lease liabilities Long-term debt 161 134 Total lease liabilities $ 767 735 (a) Operating and finance lease ROU assets are recorded net of accumulated amortization of $328 and $54, respectively, as of December 31, 2024, and $292 and $77, respectively, as of December 31, 2023.
Components of Lease Costs, Weighted-Average Lease Term and Discount Rate	The following table presents the components of lease costs for the years ended December 31: ($ in millions) Consolidated Statements of Income Caption 2024 2023 2022 Lease costs: Amortization of ROU assets Net occupancy and equipment expense $ 21 19 19 Interest on lease liabilities Interest on long-term debt 6 5 5 Total finance lease costs $ 27 24 24 Operating lease cost Net occupancy expense $ 89 87 84 Short-term lease cost Net occupancy expense 1 2 1 Variable lease cost Net occupancy expense 30 29 28 Sublease income Net occupancy expense (3) (2) (3) Total operating lease costs $ 117 116 110 Total lease costs $ 144 140 134 The following table presents the weighted-average remaining lease term and weighted-average discount rate as of December 31: 2024 2023 Weighted-average remaining lease term (years): Operating leases 11.57 11.07 Finance leases 12.66 15.21 Weighted-average discount rate: Operating leases 4.08 % 3.72 Finance leases 3.80 3.02 The following table presents information related to lease transactions for the years ended December 31: ($ in millions) 2024 2023 2022 Cash paid for amounts included in the measurement of lease liabilities: (a) Operating cash flows from operating leases $ 95 91 90 Operating cash flows from finance leases 6 5 5 Financing cash flows from finance leases 18 16 23 Gains on sale-leaseback transactions — 2 4 (a) The cash flows related to short-term and variable lease payments are not included in the amounts presented as they were not included in the measurement of lease liabilities.
Undiscounted Cash Flows for Operating Leases	The following table presents undiscounted cash flows for both operating leases and finance leases for 2025 through 2029 and thereafter as well as a reconciliation of the undiscounted cash flows to the total lease liabilities: As of December 31, 2024 ($ in millions) Operating Finance Total 2025 $ 92 22 114 2026 86 22 108 2027 78 21 99 2028 70 21 91 2029 60 11 71 Thereafter 397 104 501 Total undiscounted cash flows $ 783 201 984 Less: Difference between undiscounted cash flows and discounted cash flows 177 40 217 Present value of lease liabilities $ 606 161 767
Undiscounted Cash Flows for Finance Leases	The following table presents undiscounted cash flows for both operating leases and finance leases for 2025 through 2029 and thereafter as well as a reconciliation of the undiscounted cash flows to the total lease liabilities: As of December 31, 2024 ($ in millions) Operating Finance Total 2025 $ 92 22 114 2026 86 22 108 2027 78 21 99 2028 70 21 91 2029 60 11 71 Thereafter 397 104 501 Total undiscounted cash flows $ 783 201 984 Less: Difference between undiscounted cash flows and discounted cash flows 177 40 217 Present value of lease liabilities $ 606 161 767

Goodwill (Tables)

Goodwill (Tables)	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Changes in the Net Carrying Amount of Goodwill by Reporting Segment	Changes in the net carrying amount of goodwill, by reporting unit, for the years ended December 31, 2024 and 2023 were as follows: ($ in millions) Commercial Consumer and Small Business Banking Wealth and Asset General Corporate and Other Total Goodwill $ 3,074 2,580 226 — 5,880 Accumulated impairment losses (750) (215) — — (965) Net carrying value as of December 31, 2022 2,324 2,365 226 — 4,915 Acquisition activity — 4 — — 4 Net carrying value as of December 31, 2023 2,324 2,369 226 — 4,919 Sale of business — — (1) — (1) Net carrying value as of December 31, 2024 $ 2,324 2,369 225 — 4,918

Intangible Assets (Tables)

Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2024
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Intangible Assets	The details of the Bancorp’s intangible assets are shown in the following table: ($ in millions) Gross Carrying Amount Accumulated Net Carrying As of December 31, 2024 Core deposit intangibles $ 206 (196) 10 Developed technology 106 (50) 56 Customer relationships 28 (9) 19 Other 13 (8) 5 Total intangible assets $ 353 (263) 90 As of December 31, 2023 Core deposit intangibles $ 209 (184) 25 Developed technology 106 (33) 73 Customer relationships 30 (10) 20 Other 16 (9) 7 Total intangible assets $ 361 (236) 125
Estimated Amortization Expense	Estimated amortization expense for 2025 through 2029 is as follows: ($ in millions) Total 2025 $ 28 2026 22 2027 14 2028 9 2029 6

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Consolidation of VIEs	The following table provides a summary of assets and liabilities recorded on the Consolidated Balance Sheets for these consolidated VIEs as of: ($ in millions) December 31, December 31, Assets: Other short-term investments $ 51 55 Indirect secured consumer loans 967 1,535 Solar energy installation loans 33 38 ALLL (19) (28) Other assets 5 10 Total assets $ 1,037 1,610 Liabilities: Other liabilities $ 12 14 Long-term debt 889 1,409 Total liabilities $ 901 1,423
Assets and Liabilities Related to Non-consolidated VIEs and Maximum Exposure to Losses	The following tables provide a summary of assets and liabilities carried on the Consolidated Balance Sheets related to non-consolidated VIEs for which the Bancorp holds an interest, but is not the primary beneficiary of the VIE, as well as the Bancorp’s maximum exposure to losses associated with its interests in the entities as of: December 31, 2024 ($ in millions) Total Assets Total Liabilities Maximum Exposure CDC investments $ 2,179 741 2,224 Private equity investments 268 — 487 Loans provided to VIEs 4,711 — 7,529 Lease pool entities 30 — 30 Solar loan securitizations 8 — 8 December 31, 2023 ($ in millions) Total Assets Total Liabilities Maximum Exposure CDC investments $ 2,007 690 2,054 Private equity investments 230 — 400 Loans provided to VIEs 4,274 — 6,395 Lease pool entities 42 — 42 Solar loan securitizations 9 — 9
Investments in Qualified Affordable Housing Tax Credits	The following table summarizes the impacts to the Consolidated Statements of Income related to the Bancorp’s tax credit program investments for the years ended December 31: ($ in millions) Consolidated Statements of Income Caption (a) 2024 2023 2022 Proportional amortization Applicable income tax expense $ 200 200 189 Tax credits and other benefits (b) Applicable income tax expense (248) (230) (219) Changes in carrying amounts of equity method investments (c) Other noninterest expense 8 — — (a) The Bancorp did not recognize impairment losses resulting from the forfeiture or ineligibility of tax credits or other circumstances during the years ended December 31, 2024, 2023 and 2022. (b) The related cash flows are classified as operating activities (c) These amounts pertain to tax credit program investments which were accounted for under the equity method as they did not meet the qualification criteria for the proportional amortization method, effective with the adoption of ASU 2023-02.

Sales of Receivables and Serv_2

Sales of Receivables and Servicing Rights (Tables)	12 Months Ended
	Dec. 31, 2024
Transfers and Servicing [Abstract]
Activity Related to Mortgage Banking Net Revenue	Information related to residential mortgage loan sales and the Bancorp’s mortgage banking activity, which is included in mortgage banking net revenue ($ in millions) 2024 2023 2022 Residential mortgage loan sales (a) $ 3,954 4,888 13,307 Origination fees and gains on loan sales 67 79 91 Gross mortgage servicing fees 309 319 310 (a) Represents the unpaid principal balance at the time of the sale.
Changes in Servicing Assets	The following table presents changes in the servicing rights related to residential mortgage loans for the years ended December 31: ($ in millions) 2024 2023 Balance, beginning of period $ 1,737 1,746 Servicing rights originated 49 71 Servicing rights purchased — 25 Servicing rights sold (5) — Changes in fair value: Due to changes in inputs or assumptions (a) 74 43 Other changes in fair value (b) (151) (148) Balance, end of period $ 1,704 1,737 (a) Primarily reflects changes in prepayment speed and OAS assumptions which are updated based on market interest rates. (b) Primarily reflects changes due to realized cash flows and the passage of time.
Activity Related to the MSR Portfolio	The following table presents activity related to valuations of the MSR portfolio and the impact of the non-qualifying hedging strategy for the years ended December 31: ($ in millions) 2024 2023 2022 Securities (losses) gains, net - non-qualifying hedges on mortgage servicing rights $ — — (2) Changes in fair value and settlement of free-standing derivatives purchased to economically hedge the MSR portfolio (a) (88) (43) (363) MSR fair value adjustment due to changes in inputs or assumptions (a) 74 43 355 (a) Included in mortgage banking net revenue in the Consolidated Statements of Income.
Servicing Assets and Residual Interests Economic Assumptions	The key economic assumptions used in measuring the servicing rights related to residential mortgage loans that continued to be held by the Bancorp at the date of sale, securitization or purchase resulting from transactions completed during the years ended December 31 were as follows: 2024 2023 Weighted- Prepayment OAS Weighted-Average Life Prepayment OAS Fixed-rate 6.6 12.7 % 488 6.6 12.4 % 596 Adjustable-rate — — — 3.0 27.9 774
Sensitivity of the Current Fair Value of Residual Cash Flows to Immediate 10%, 20% and 50% Adverse Changes in Assumptions	At December 31, 2024, the sensitivity of the current fair value of residual cash flows to immediate 10%, 20% and 50% adverse changes in prepayment speed assumptions and immediate 10% and 20% adverse changes in OAS for servicing rights related to residential mortgage loans are as follows: ($ in millions) (a) Fair Value Weighted- Prepayment Speed Assumption OAS Assumption Impact of Adverse Change OAS Impact of Adverse Rate 10% 20% 50% 10% 20% Fixed-rate $ 1,701 8.6 5.8 % $ (37) (72) (168) 459 $ (35) (69) Adjustable-rate 3 5.1 16.9 — — (1) 731 — — (a) The impact of the weighted-average default rate on the current fair value of residual cash flows for all scenarios is immaterial.

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Notional Amounts of Outstanding Derivative Positions	The following tables reflect the notional amounts and fair values for all derivative instruments included in the Consolidated Balance Sheets as of: Fair Value December 31, 2024 ($ in millions) Notional Derivative Derivative Derivatives Designated as Qualifying Hedging Instruments: Fair value hedges: Interest rate swaps related to long-term debt $ 4,955 1 12 Total fair value hedges 1 12 Cash flow hedges: Interest rate swaps related to C&I loans 11,000 2 4 Interest rate swaps related to C&I loans - forward starting (a) 1,000 1 — Interest rate swaps related to commercial mortgage and commercial construction loans - forward starting (a) 4,000 3 — Total cash flow hedges 6 4 Total derivatives designated as qualifying hedging instruments 7 16 Derivatives Not Designated as Qualifying Hedging Instruments: Free-standing derivatives - risk management and other business purposes: Interest rate contracts related to MSR portfolio 3,135 4 4 Forward contracts related to residential mortgage loans measured at fair value (b) 881 8 — Swap associated with the sale of Visa, Inc. Class B Shares 2,465 — 170 Foreign exchange contracts 104 2 — Interest-only strips 30 — — Interest rate contracts for collateral management 1,000 1 — Interest rate contracts for LIBOR transition 597 — — Other 43 — — Total free-standing derivatives - risk management and other business purposes 15 174 Free-standing derivatives - customer accommodation: Interest rate contracts (c) 87,928 708 924 Interest rate lock commitments 264 2 — Commodity contracts 16,889 575 564 TBA securities 44 — — Foreign exchange contracts 38,640 1,165 1,120 Total free-standing derivatives - customer accommodation 2,450 2,608 Total derivatives not designated as qualifying hedging instruments 2,465 2,782 Total $ 2,472 2,798 (a) Forward starting swaps will become effective in January and February 2025. (b) Includes forward sale and forward purchase contracts which are utilized to manage market risk on residential mortgage loans held for sale and the related interest rate lock commitments in addition to certain portfolio residential mortgage loans measured at fair value. (c) Derivative assets and liabilities are presented net of variation margin of $257 and $45, respectively. Fair Value December 31, 2023 ($ in millions) Notional Derivative Derivative Derivatives Designated as Qualifying Hedging Instruments: Fair value hedges: Interest rate swaps related to long-term debt $ 5,955 — 32 Total fair value hedges — 32 Cash flow hedges: Interest rate floors related to C&I loans 3,000 1 — Interest rate swaps related to C&I loans 8,000 2 11 Interest rate swaps related to C&I loans - forward starting (a) 6,000 6 1 Interest rate swaps related to commercial mortgage and commercial construction loans - forward starting (a) 4,000 1 1 Total cash flow hedges 10 13 Total derivatives designated as qualifying hedging instruments 10 45 Derivatives Not Designated as Qualifying Hedging Instruments: Free-standing derivatives - risk management and other business purposes: Interest rate contracts related to MSR portfolio 3,205 81 — Forward contracts related to residential mortgage loans measured at fair value (b) 650 — 5 Swap associated with the sale of Visa, Inc. Class B Shares 4,178 — 168 Foreign exchange contracts 190 — 4 Interest-only strips 39 1 — Interest rate contracts for collateral management 5,000 1 1 Interest rate contracts for LIBOR transition 597 — — Other 30 — — Total free-standing derivatives - risk management and other business purposes 83 178 Free-standing derivatives - customer accommodation: Interest rate contracts (c)(d) 95,079 885 1,162 Interest rate lock commitments 252 5 — Commodity contracts 17,621 1,051 1,018 TBA securities 27 — — Foreign exchange contracts 37,734 643 596 Total free-standing derivatives - customer accommodation 2,584 2,776 Total derivatives not designated as qualifying hedging instruments 2,667 2,954 Total $ 2,677 2,999 (a) Forward starting swaps will become effective on various dates between June 2024 and February 2025. (b) Includes forward sale and forward purchase contracts which are utilized to manage market risk on residential mortgage loans held for sale and the related interest rate lock commitments in addition to certain portfolio residential mortgage loans measured at fair value. (c) Derivative assets and liabilities are presented net of variation margin of $335 and $58, respectively. (d) Includes replacement contracts with a notional amount of approximately $675 million which were the result of certain central clearing parties replacing existing LIBOR-based contracts with multiple separate contracts as part of the LIBOR transition.
Net Gains (Losses) Recognized in the Income Statement Related to Derivatives in Fair Value Hedging Relationships	The following table reflects the changes in fair value of interest rate contracts, designated as fair value hedges and the changes in fair value of the related hedged items attributable to the risk being hedged, as well as the line items in the Consolidated Statements of Income in which the corresponding gains or losses are recorded: For the years ended December 31 ($ in millions) Consolidated Statements of Income Caption 2024 2023 2022 Long-term debt: Change in fair value of interest rate swaps hedging long-term debt Interest on long-term debt $ (66) 29 (460) Change in fair value of hedged long-term debt attributable to the risk being hedged Interest on long-term debt 65 (26) 460 Available-for-sale debt and other securities: Change in fair value of interest rate swaps hedging available-for-sale debt and other securities Interest on securities — — 8 Change in fair value of hedged available-for-sale debt and other securities attributable to the risk being hedged Interest on securities — — (8) The following amounts were recorded in the Consolidated Balance Sheets related to cumulative basis adjustments for fair value hedges as of December 31: ($ in millions) Consolidated Balance 2024 2023 Long-term debt: Carrying amount of the hedged items Long-term debt $ 4,838 5,899 Cumulative amount of fair value hedging adjustments included in the carrying amount of the hedged items Long-term debt (103) (38) Available-for-sale debt and other securities: Cumulative amount of fair value hedging adjustments remaining for hedged items for which hedge accounting has been discontinued Available-for-sale debt and other securities (9) (11)
Net Gains (Losses) Relating to Derivative Instruments Designated as Cash Flow Hedges	The following table presents the pre-tax net (losses) gains recorded in the Consolidated Statements of Income and in the Consolidated Statements of Comprehensive Income relating to derivative instruments designated as cash flow hedges: For the years ended December 31 ($ in millions) 2024 2023 2022 Amount of pre-tax net losses recognized in OCI $ (724) (171) (1,006) Amount of pre-tax net (losses) gains reclassified from OCI into net income (351) (334) 99
Schedule of Price Risk Derivatives	The net (losses) gains recorded in the Consolidated Statements of Income relating to free-standing derivative instruments used for risk management and other business purposes are summarized in the following table: For the years ended December 31 ($ in millions) Consolidated Statements of Income Caption 2024 2023 2022 Interest rate contracts: Interest rate contracts related to MSR portfolio Mortgage banking net revenue $ (88) (43) (363) Forward contracts related to residential mortgage loans measured at fair value Mortgage banking net revenue 13 (7) 3 Interest-only strips Other noninterest income (1) (3) — Foreign exchange contracts: Foreign exchange contracts for risk management purposes Other noninterest income 14 (3) 12 Equity contracts: Swap associated with sale of Visa, Inc. Class B Shares Other noninterest income (138) (94) (84)
Risk Ratings of the Notional Amount of Risk Participation Agreements	Risk ratings of the notional amount of risk participation agreements under this risk rating system are summarized in the following table as of December 31: ($ in millions) 2024 2023 Pass $ 3,138 3,168 Special mention 9 323 Substandard 100 72 Total $ 3,247 3,563
Net Gains (Losses) Recognized in the Income Statement Related to Free-Standing Derivative Instruments Used For Customer Accommodation	The net gains (losses) recorded in the Consolidated Statements of Income relating to free-standing derivative instruments used for customer accommodation are summarized in the following table: For the years ended December 31 ($ in millions) Consolidated Statements of Income Caption 2024 2023 2022 Interest rate contracts: Interest rate contracts for customers (contract revenue) Capital markets fees $ 29 35 48 Interest rate contracts for customers (credit portion of fair value adjustment) Other noninterest expense 4 (2) 10 Interest rate lock commitments Mortgage banking net revenue 41 52 16 Commodity contracts: Commodity contracts for customers (contract revenue) Capital markets fees 18 36 44 Commodity contracts for customers (credit portion of fair value adjustment) Other noninterest expense 1 — — Foreign exchange contracts: Foreign exchange contracts for customers (contract revenue) Capital markets fees 74 89 70 Foreign exchange contracts for customers (contract revenue) Other noninterest income 6 (14) 8 Foreign exchange contracts for customers (credit portion of fair value adjustment) Other noninterest expense — 4 (3)
Offsetting Derivative Financial Instruments	The following table provides a summary of offsetting derivative financial instruments: Gross Amount Recognized in the Consolidated Balance Sheets (a) Gross Amounts Not Offset in the Derivatives Collateral (b) Net Amount As of December 31, 2024 Derivative assets $ 2,470 (1,378) (573) 519 Derivative liabilities 2,798 (1,378) (193) 1,227 As of December 31, 2023 Derivative assets $ 2,672 (1,031) (877) 764 Derivative liabilities 2,999 (1,031) (159) 1,809 (a) Amount does not include IRLCs because these instruments are not subject to master netting or similar arrangements. (b) Amount of collateral received as an offset to asset positions or pledged as an offset to liability positions. Collateral values in excess of related derivative amounts recognized in the Consolidated Balance Sheets were excluded from this table.

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2024
Other Assets [Abstract]
Other Assets Disclosure	The following table provides the components of other assets included in the Consolidated Balance Sheets as of December 31: ($ in millions) 2024 2023 Partnership investments $ 2,520 2,326 Derivative instruments 2,472 2,677 Accounts receivable and drafts-in-process 2,381 2,007 Bank owned life insurance 2,135 2,103 Deferred tax assets 1,429 1,438 Accrued interest and fees receivable 796 797 Operating lease right-of-use assets 526 511 Income tax receivable 174 187 Prepaid expenses 142 143 OREO and other repossessed property 32 39 Worldpay, Inc. TRA receivable — 35 Other 250 275 Total other assets $ 12,857 12,538

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2024
Short-Term Debt [Abstract]
Summary of Short-Term Borrowings and Weighted-Average Rates	The following table summarizes short-term borrowings and weighted-average rates: 2024 2023 ($ in millions) Amount Rate Amount Rate As of December 31: Federal funds purchased $ 204 4.30 % $ 193 5.31 % Other short-term borrowings 4,450 4.39 2,861 5.21 Average for the years ended December 31: Federal funds purchased $ 207 5.21 % $ 307 4.96 % Other short-term borrowings 3,024 5.18 5,044 4.90 Maximum month-end balance for the years ended December 31: Federal funds purchased $ 247 $ 1,143 Other short-term borrowings 5,070 7,423
Summary of Other Short-Term Borrowings	The following table presents a summary of the Bancorp’s other short-term borrowings as of December 31: ($ in millions) 2024 2023 FHLB advances $ 4,100 2,500 Securities sold under repurchase agreements 273 330 Derivative collateral 19 3 Other borrowed money 58 28 Total other short-term borrowings $ 4,450 2,861

Long-Term Debt (Tables)

Long-Term Debt (Tables)	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Summary of the Bancorp's Long-Term Borrowings	The following table is a summary of the Bancorp’s long-term borrowings at December 31: ($ in millions) Maturity Interest Rate 2024 2023 Parent Company Senior: Fixed-rate notes 2024 3.65% $ — 1,500 Fixed-rate notes 2025 2.375% 750 749 Fixed-rate notes 2027 2.55% 748 748 Fixed-rate/floating-rate notes (c) 2027 1.707% 472 461 Fixed-rate notes 2028 3.95% 648 648 Fixed-rate/floating-rate notes (c) 2028 4.055% 387 386 Fixed-rate/floating-rate notes (c) 2028 6.361% 999 1,013 Fixed-rate/floating-rate notes (c) 2029 6.339% 1,246 1,245 Fixed-rate/floating-rate notes (c) 2030 4.772% 933 944 Fixed-rate/floating-rate notes (c) 2030 4.895% 747 — Fixed-rate/floating-rate notes (c) 2032 5.631% 996 — Fixed-rate/floating-rate notes (c) 2033 4.337% 544 561 Subordinated: (a) Fixed-rate notes 2024 4.30% — 750 Fixed-rate notes 2038 8.25% 1,051 1,103 Subsidiaries Senior: Fixed-rate notes 2025 3.95% 747 727 Fixed-rate/floating-rate notes (e) 2025 5.852% — 996 Fixed-rate notes 2027 2.25% 599 599 Subordinated: (a) Fixed-rate notes 2026 3.85% 750 749 Junior subordinated: Floating-rate debentures (a)(b) 2035 6.04% - 6.31% 54 54 FHLB advances (d) 2025 - 2047 4.91% 1,508 1,510 Notes associated with consolidated VIEs: Automobile loan securitization 2026 - 2031 5.13% - 5.80% 816 1,305 Solar loan securitization, fixed-rate notes 2038 4.05% - 7.00% 30 35 Other 2025 - 2052 Varies 312 297 Total $ 14,337 16,380 (a) In aggregat e, $1.3 billion a nd $1.5 billion qualifies as Tier 2 capital for regulatory capital purposes for the years ended December 31, 2024 and 2023, respectively. (b) These rates reflect the floating rates as of December 31, 2024. (c) This rate reflects the fixed rate in effect as of December 31, 2024. (d) This rate reflects the weighted-average rate as of December 31, 2024. (e) This rate reflects the fixed rate in effect as of December 31, 2023.
Schedule of Long-term Debt Maturities	The aggregate annual maturities of long-term debt obligations (based on final maturity dates) as of December 31, 2024 are presented in the following table: ($ in millions) Parent Company Subsidiaries Total 2025 $ 750 756 1,506 2026 — 2,429 2,429 2027 1,220 613 1,833 2028 2,034 587 2,621 2029 1,246 82 1,328 Thereafter 4,271 349 4,620 Total $ 9,521 4,816 14,337

Commitments, Contingent Liabi_2

Commitments, Contingent Liabilities and Guarantees (Tables)	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Summary of Significant Commitments	The following table reflects a summary of significant commitments as of December 31: ($ in millions) 2024 2023 Commitments to extend credit $ 80,680 81,570 Letters of credit 1,952 2,095 Forward contracts related to residential mortgage loans measured at fair value 881 650 Capital commitments for private equity investments 219 170 Capital expenditures 80 95 Purchase obligations 27 69
Credit Risk Associated with Commitments	Risk ratings of outstanding commitments to extend credit under this risk rating system are summarized in the following table as of December 31: ($ in millions) 2024 2023 Pass $ 78,734 79,593 Special mention 850 1,301 Substandard 1,095 676 Doubtful 1 — Total commitments to extend credit $ 80,680 81,570
Standby and Commercial Letters of Credit, Conditional Commitments Issued to Guarantee the Performance of a Customer to a Third Party	Standby and commercial letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party and expire as summarized in the following table as of December 31, 2024: ($ in millions) Less than 1 year (a) $ 980 1 - 5 years (a) 967 Over 5 years 5 Total letters of credit $ 1,952 (a) Includes $2 and $3 issued on behalf of commercial customers to facilitate trade payments in U.S. dollars and foreign currencies which expire in less than 1 year and between 1 - 5 years, respectively.
Credit Risk Associated with Letters of Credit	Risk ratings of outstanding letters of credit under this risk rating system are summarized in the following table as of December 31: ($ in millions) 2024 2023 Pass $ 1,779 1,902 Special mention 60 81 Substandard 110 112 Doubtful 3 — Total letters of credit $ 1,952 2,095
Visa Funding and Bancorp Cash Payments	After the Bancorp’s sale of the Class B Shares, Visa has funded additional amounts into the litigation escrow account which have resulted in further dilutive adjustments to the conversion of Class B Shares into Class A Shares, and along with other terms of the total return swap, required the Bancorp to make cash payments in varying amounts to the swap counterparty as follows: Period ($ in millions) Visa Funding Amount Bancorp Cash Payment Amount Q2 2010 $ 500 20 Q4 2010 800 35 Q2 2011 400 19 Q1 2012 1,565 75 Q3 2012 150 6 Q3 2014 450 18 Q2 2018 600 26 Q3 2019 300 12 Q4 2021 250 11 Q2 2022 600 25 Q4 2022 350 15 Q2 2023 500 21 Q3 2023 150 6 Q3 2024 1,500 65

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Summary of the Bancorp's Activities with its Principal Shareholders, Directors and Executives	The following table summarizes the Bancorp’s lending activities with its principal shareholders, directors, executives and their related interests at December 31: ($ in millions) 2024 2023 Commitments to lend, net of participations: Directors and their affiliated companies $ 162 165 Executive officers 3 3 Total $ 165 168 Outstanding balance on loans, net of participations and undrawn commitments $ 56 111

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Applicable Income Taxes Included in the Consolidated Statements Of Income	The following is a summary of applicable income taxes included in the Consolidated Statements of Income for the years ended December 31: ($ in millions) 2024 2023 2022 Current income tax expense: U.S. Federal income taxes $ 452 647 570 State and local income taxes 75 96 126 Foreign income taxes 3 2 11 Total current income tax expense 530 745 707 Deferred income tax expense (benefit): U.S. Federal income taxes 84 (81) (31) State and local income taxes (13) (23) (29) Foreign income taxes 1 (2) — Total deferred income tax expense (benefit) 72 (106) (60) Applicable income tax expense $ 602 639 647
Reconciliation Between the Statutory U.S. Income Tax Rate and the Bancorp's Effective Tax Rate	The following is a reconciliation between the statutory U.S. Federal income tax rate and the Bancorp’s effective tax rate for the years ended December 31: 2024 2023 2022 Statutory tax rate 21.0 % 21.0 21.0 Increase (decrease) resulting from: State taxes, net of federal benefit 1.7 1.9 2.5 Tax-exempt income (0.9) (0.8) (0.8) Tax credits and other tax benefits from CDC investments (8.5) (7.7) (7.1) Proportional amortization of qualifying CDC investments 6.8 6.7 6.1 Other tax credits (0.1) (0.7) (0.4) Other, net 0.6 1.0 (0.3) Effective tax rate 20.6 % 21.4 21.0
Reconciliation of the Beginning and Ending Amounts of the Bancorp's Unrecognized Tax Benefits	The following table provides a reconciliation of the beginning and ending amounts of the Bancorp’s unrecognized tax benefits: ($ in millions) 2024 2023 2022 Unrecognized tax benefits at January 1 $ 97 94 102 Gross increases for tax positions taken during prior period 12 14 3 Gross decreases for tax positions taken during prior period (7) (5) (5) Gross increases for tax positions taken during current period 21 15 11 Settlements with taxing authorities (1) (1) — Lapse of applicable statute of limitations (21) (20) (17) Unrecognized tax benefits at December 31 (a) $ 101 97 94 (a) All amounts represent unrecognized tax benefits that, if recognized, would affect the annual effective tax rate.
Deferred Income Taxes Included in Other Assets in the Consolidated Balance Sheets	Deferred income taxes are comprised of the following items at December 31: ($ in millions) 2024 2023 Deferred tax assets: Other comprehensive income $ 1,459 1,395 Allowance for loan and lease losses 494 488 Loan origination fees and costs 199 195 Deferred compensation 115 114 Reserves 38 33 State deferred taxes 35 43 Reserves for unfunded commitments 28 35 Federal net operating loss carryforwards 7 19 State net operating loss carryforwards 6 11 Other 138 135 Total deferred tax assets $ 2,519 2,468 Deferred tax liabilities: Lease financing $ 583 551 MSRs and related economic hedges 153 141 Bank premises and equipment 76 68 Goodwill and intangible assets 64 70 Investments in joint ventures and partnership interests 48 58 Other 168 143 Total deferred tax liabilities $ 1,092 1,031 Total net deferred tax asset $ 1,427 1,437

Retirement and Benefit Plans (T

Retirement and Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
Defined Benefit Retirement Plans with an Underfunded Status	The following table summarizes the defined benefit retirement plans as of and for the years ended December 31: ($ in millions) 2024 2023 Fair value of plan assets at January 1 $ 102 109 Actual return on assets (3) 5 Contributions 1 2 Settlement (7) (7) Benefits paid (6) (7) Fair value of plan assets at December 31 $ 87 102 Projected benefit obligation at January 1 $ 113 120 Interest cost 5 6 Settlement (7) (7) Actuarial (gain) loss (5) 1 Benefits paid (6) (7) Projected benefit obligation at December 31 $ 100 113 Underfunded projected benefit obligation at December 31 $ (13) (11) Accumulated benefit obligation at December 31 (a) $ 100 113 (a) Since the Plan ’ s benefits are frozen, the rate of compensation increase is no longer an assumption used to calculate the accumulated benefit obligation. Therefore, the accumulated benefit obligation was the same as the projected benefit obligation at both December 31, 2024 and 2023.
Net Periodic Benefit Cost and Other Changes In Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income	The following table summarizes net periodic benefit cost and other changes in the Plan’s assets and benefit obligations recognized in OCI for the years ended December 31: ($ in millions) 2024 2023 2022 Components of net periodic benefit cost: Interest cost $ 5 6 5 Expected return on assets (5) (5) (4) Amortization of net actuarial loss 2 2 3 Settlement 2 2 3 Net periodic benefit cost $ 4 5 7 Other changes in plan assets and benefit obligations recognized in other comprehensive income: Net actuarial loss (gain) $ 2 1 (11) Amortization of net actuarial loss (2) (2) (3) Settlement (1) (2) (3) Total recognized in other comprehensive income (1) (3) (17) Total recognized in net periodic benefit cost and other comprehensive income $ 3 2 (10)
Plan Assets Measured at Fair Value on a Recurring Basis	The following tables summarize Plan assets measured at fair value on a recurring basis as of December 31: Fair Value Measurements Using (a) 2024 ($ in millions) Level 1 Level 2 Level 3 Total Fair Value Cash equivalents $ 3 — — 3 Debt securities: U.S. Treasury and federal agencies securities 48 3 — 51 Asset-backed securities and other debt securities (b) — 33 — 33 Total debt securities $ 48 36 — 84 Total Plan assets $ 51 36 — 87 (a) For further information on fair value hierarchy levels, refer to Note 1. (b) Includes corporate bonds. Fair Value Measurements Using (a) 2023 ($ in millions) Level 1 Level 2 Level 3 Total Fair Value Cash equivalents $ 7 — — 7 Debt securities: U.S. Treasury and federal agencies securities 52 3 — 55 Asset-backed securities and other debt securities (b) — 40 — 40 Total debt securities $ 52 43 — 95 Total Plan assets $ 59 43 — 102 (a) For further information on fair value hierarchy levels, refer to Note 1. (b) Includes corporate bonds.
Plan Assumptions	The following table summarizes the weighted-average plan assumptions for the years ended December 31: 2024 2023 2022 For measuring benefit obligations at year end: Discount rate 5.58 % 5.04 5.37 For measuring net periodic benefit cost: Discount rate 5.08 5.50 3.69 Expected return on plan assets 5.09 5.52 3.91
Weighted Average Allocation of Plan Assets	The following table provides the Bancorp’s targeted and actual weighted-average asset allocations by asset category, with mutual and exchange-traded funds incorporated according to their underlying investments, for the years ended December 31: Targeted Range (a) 2024 2023 Fixed-income securities 50-100 % 95 90 Cash or cash equivalents 0-100 5 10 Total 100 % 100 (a) These reflect the targeted ranges for the year ended December 31, 2024.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Activity of the Components of Other Comprehensive Income and Accumulated Other Comprehensive Income	The tables below present the activity of the components of OCI and AOCI for the years ended December 31: Total OCI Total AOCI 2024 ($ in millions) Pre-tax Tax Net Beginning Net Ending Unrealized holding gains on available-for-sale debt securities $ 27 (12) 15 Unrealized losses on available-for-sale debt securities transferred to 994 (209) 785 Reclassification adjustment for net losses on available-for-sale debt 18 (4) 14 Net unrealized losses on available-for-sale debt securities 1,039 (225) 814 (4,094) 814 (3,280) Unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities (994) 209 (785) Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income 129 (28) 101 Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities (865) 181 (684) — (684) (684) Unrealized holding losses on cash flow hedge derivatives arising (724) 172 (552) Reclassification adjustment for net losses on cash flow hedge 351 (81) 270 Net unrealized losses on cash flow hedge derivatives (373) 91 (282) (372) (282) (654) Net actuarial loss arising during the year (2) — (2) Reclassification of amounts to net periodic benefit costs 3 — 3 Defined benefit pension plans, net 1 — 1 (17) 1 (16) Other 2 — 2 (4) 2 (2) Total $ (196) 47 (149) (4,487) (149) (4,636) Total OCI Total AOCI 2023 ($ in millions) Pre-tax Tax Net Beginning Net Ending Unrealized holding gains on available-for-sale debt securities $ 656 (162) 494 Reclassification adjustment for net losses on available-for-sale debt 1 — 1 Net unrealized losses on available-for-sale debt securities 657 (162) 495 (4,589) 495 (4,094) Unrealized holding losses on cash flow hedge derivatives arising (171) 40 (131) Reclassification adjustment for net losses on cash flow hedge 334 (77) 257 Net unrealized losses on cash flow hedge derivatives 163 (37) 126 (498) 126 (372) Net actuarial loss arising during the year (1) — (1) Reclassification of amounts to net periodic benefit costs 4 (1) 3 Defined benefit pension plans, net 3 (1) 2 (19) 2 (17) Other — — — (4) — (4) Total $ 823 (200) 623 (5,110) 623 (4,487) Total OCI Total AOCI 2022 ($ in millions) Pre-tax Tax Net Beginning Net Ending Unrealized holding losses on available-for-sale debt securities $ (7,194) 1,716 (5,478) Reclassification adjustment for net gains on available-for-sale debt (2) — (2) Net unrealized losses on available-for-sale debt securities (7,196) 1,716 (5,480) 891 (5,480) (4,589) Unrealized holding losses on cash flow hedge derivatives arising (1,006) 232 (774) Reclassification adjustment for net gains on cash flow hedge (99) 22 (77) Net unrealized losses on cash flow hedge derivatives (1,105) 254 (851) 353 (851) (498) Net actuarial gain arising during the year 11 (2) 9 Reclassification of amounts to net periodic benefit costs 6 (1) 5 Defined benefit pension plans, net 17 (3) 14 (33) 14 (19) Other — — — (4) — (4) Total $ (8,284) 1,967 (6,317) 1,207 (6,317) (5,110)
Reclassification Out of Accumulated Other Comprehensive Income to Net Income	The table below presents reclassifications out of AOCI for the years ended December 31: ($ in millions) Consolidated Statements of 2024 2023 2022 Net unrealized losses on available-for-sale debt securities: (a) Net (losses) gains included in net income Securities gains (losses), net $ (18) (1) 2 Income before income taxes (18) (1) 2 Applicable income tax expense 4 — — Net income (14) (1) 2 Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities: (a) Net losses included in net income Interest on securities (129) — — Income before income taxes (129) — — Applicable income tax expense 28 — — Net income (101) — — Net unrealized losses on cash flow hedge derivatives: (a) Interest rate contracts related to C&I, commercial mortgage and commercial construction loans Interest and fees on loans and leases (351) (334) 99 Income before income taxes (351) (334) 99 Applicable income tax expense 81 77 (22) Net income (270) (257) 77 Net periodic benefit costs: (a) Amortization of net actuarial loss Compensation and benefits (b) (2) (2) (3) Settlements Compensation and benefits (b) (1) (2) (3) Income before income taxes (3) (4) (6) Applicable income tax expense — 1 1 Net income (3) (3) (5) Other: (a) Net losses included in net income Other noninterest expense (2) — — Income before income taxes (2) — — Applicable income tax expense — — — Net income (2) — — Total reclassifications for the period Net income $ (390) (261) 74 (a) Amounts in parentheses indicate reductions to net income. (b) This AOCI component is included in the computation of net periodic benefit cost. Refer to Note 22 for information on the computation of net periodic benefit cost.

Common, Preferred and Treasur_2

Common, Preferred and Treasury Stock (Tables)	12 Months Ended
	Dec. 31, 2024
Stockholders' Equity Note [Abstract]
Share Activity Within Common, Preferred and Treasury Stock	The table presents a summary of the share activity within common, preferred and treasury stock for the years ended: Common Stock Preferred Stock Treasury Stock ($ in millions, except share data) Value Shares Value Shares Value Shares December 31, 2021 $ 2,051 923,892,581 $ 2,116 278,000 $ (7,024) 241,114,917 Shares acquired for treasury — — — — (100) 3,079,462 Impact of stock transactions under stock — — — — 21 (3,687,834) Other — — — — — 156 December 31, 2022 $ 2,051 923,892,581 $ 2,116 278,000 $ (7,103) 240,506,701 Shares acquired for treasury — — — — (201) 5,589,996 Impact of stock transactions under stock — — — — 42 (3,328,926) December 31, 2023 $ 2,051 923,892,581 $ 2,116 278,000 $ (7,262) 242,767,771 Shares acquired for treasury — — — — (630) 15,043,170 Impact of stock transactions under stock — — — — 52 (3,772,190) December 31, 2024 $ 2,051 923,892,581 $ 2,116 278,000 $ (7,840) 254,038,751
Summary of the Bancorp's Accelerated Share Repurchase Transactions	The following table presents a summary of the Bancorp’s accelerated share repurchase transactions that were entered into and settled during the years ended December 31, 2024 and 2023: Repurchase Date Amount ($ in millions) Shares Repurchased on Repurchase Date Shares Received from Forward Contract Settlement Total Shares Repurchased Final Settlement Date January 24, 2023 200 4,911,875 678,121 5,589,996 March 6, 2023 June 12, 2024 125 3,011,621 496,767 3,508,388 June 27, 2024 July 23, 2024 200 4,160,548 713,340 4,873,888 August 5, 2024 October 22, 2024 300 5,879,640 781,254 6,660,894 December 18, 2024

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Schedule of Share-based Payment Award, Stock Appreciation Rights, Valuation Assumptions	The weighted-average assumptions were as follows for the years ended December 31: 2024 2023 2022 Expected life (in years) 7 7 7 Expected volatility 33 % 31 31 Expected dividend yield 4.2 3.6 3.4 Risk-free interest rate 4.1 3.8 2.7
Schedule of Share-based Compensation, Stock Appreciation Rights Award Activity	The following table summarizes SARs activity for the years ended December 31: 2024 2023 2022 SARs (in thousands, except per share data) Number of Weighted- Number of Weighted- Number of Weighted- Outstanding at January 1 7,331 $ 23.72 9,112 $ 22.22 11,185 $ 20.47 Granted 316 33.51 253 37.19 304 46.96 Exercised (3,010) 20.01 (2,011) 18.42 (2,358) 17.05 Forfeited or expired (1) 19.01 (23) 40.36 (19) 30.43 Outstanding at December 31 4,636 $ 26.80 7,331 $ 23.72 9,112 $ 22.22 Exercisable at December 31 4,063 $ 25.39 6,796 $ 22.44 8,487 $ 20.97
Outstanding and Exercisable SARs by Grant Price	The following table summarizes outstanding and exercisable SARs by grant price per share at December 31, 2024: Outstanding SARs Exercisable SARs SARs (in thousands, except per share data) Number of Weighted-Average Grant Price Per Share Weighted- Number of Weighted-Average Grant Price Per Share Weighted- $10.01-$20.00 1,673 $ 18.28 0.9 1,673 $ 18.28 0.9 $20.01-$30.00 1,615 27.10 3.0 1,615 27.10 3.0 $30.01-$40.00 1,105 34.27 7.0 612 33.90 5.5 Over $40.00 243 49.51 7.1 163 49.51 7.1 All SARs 4,636 $ 26.80 3.4 4,063 $ 25.39 2.7
Schedule of Share-Based Compensation, RSUs	The following table summarizes RSUs activity for the years ended December 31: 2024 2023 2022 RSUs (in thousands, except per unit data) Units Weighted-Average Grant-Date Fair Value Per Unit Units Weighted-Average Grant-Date Fair Value Per Unit Units Weighted-Average Grant-Date Fair Value Per Unit Outstanding at January 1 10,365 $ 37.63 9,906 $ 38.04 9,487 $ 30.67 Granted 4,546 33.87 4,763 34.94 4,682 47.11 Released (3,751) 37.54 (3,696) 35.04 (3,608) 30.54 Forfeited (396) 36.37 (608) 38.75 (655) 37.12 Outstanding at December 31 10,764 $ 36.12 10,365 $ 37.63 9,906 $ 38.04
Unvested RSUs by Grant-Date Fair Value	The following table summarizes outstanding RSUs by grant-date fair value per unit at December 31, 2024: Outstanding RSUs RSUs (in thousands) Units Weighted-Average Remaining Contractual Life (in years) Under $25.00 554 0.4 $25.01-$30.00 403 0.8 $30.01-$35.00 4,940 1.4 $35.01-$40.00 3,160 1.2 $40.01-$45.00 124 1.6 $45.01 and over 1,583 0.6 All RSUs 10,764 1.1
Schedule of Share-based Compensation, Stock Options, Activity	The following table summarizes stock options activity for the years ended December 31: 2024 2023 2022 Stock Options (in thousands, except per share data) Number of Options Weighted-Average Exercise Price Per Share Number of Options Weighted-Average Exercise Price Per Share Number of Options Weighted-Average Exercise Price Per Share Outstanding at January 1 224 $ 21.45 312 $ 21.65 409 $ 21.51 Exercised (129) 21.03 (86) 21.97 (97) 21.06 Forfeited or expired — — (2) 27.71 — — Outstanding at December 31 95 $ 22.03 224 $ 21.45 312 $ 21.65 Exercisable at December 31 95 $ 22.03 224 $ 21.45 312 $ 21.65
Schedule of Outstanding And Exercisable Stock Options Exercise Price	The following table summarizes outstanding and exercisable stock options by exercise price per share at December 31, 2024: Outstanding Stock Options Exercisable Stock Options Stock Options (in thousands, except per share data) Number of Options Weighted-Exercise Price Per Share Weighted-Average Remaining Contractual Life (in years) Number of Options Weighted-Exercise Price Per Share Weighted-Average Remaining Contractual Life (in years) $10.01-$20.00 50 18.58 0.8 50 18.58 0.8 $20.01-$30.00 45 25.86 2.8 45 25.86 2.8 All stock options 95 $ 22.03 1.8 95 $ 22.03 1.8

Other Noninterest Income and _2

Other Noninterest Income and Other Noninterest Expense (Tables)	12 Months Ended
	Dec. 31, 2024
Noninterest Income [Abstract]
Other Noninterest Income and Other Noninterest Expense	The following table presents the major components of other noninterest income and other noninterest expense for the years ended December 31: ($ in millions) 2024 2023 2022 Other noninterest income: BOLI income $ 66 61 64 Private equity investment income 35 44 70 Equity method investment income 18 52 22 Income from the TRA associated with Worldpay, Inc. 11 22 46 Gains (losses) on sales of businesses 7 — (7) Loss on swap associated with the sale of Visa, Inc. Class B Shares (138) (94) (84) Other, net 13 6 38 Total other noninterest income $ 12 91 149 Other noninterest expense: FDIC insurance and other taxes $ 181 385 132 Leasing business expense 92 121 131 Losses and adjustments 86 91 91 Data processing 81 87 82 Dues and subscriptions 61 61 58 Travel 60 56 60 Securities recordkeeping 55 50 48 Professional service fees 49 53 54 Postal and courier 48 46 40 Cash and coin processing 47 48 44 Intangible amortization 35 43 47 Other, net 178 184 145 Total other noninterest expense $ 973 1,225 932

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Schedule of Earnings Per Share Basic and Diluted	The following table provides the calculation of earnings per share and the reconciliation of earnings per share and earnings per diluted share for the years ended December 31: ($ in millions, except per share data) 2024 2023 2022 Net income available to common shareholders $ 2,155 2,212 2,330 Less: Income allocated to participating securities — — 2 Net income allocated to common shareholders 2,155 2,212 2,328 Average common shares outstanding - basic 682 684 689 Effect of dilutive stock-based awards 5 4 6 Average common shares outstanding - diluted 687 688 695 Earnings per share - basic 3.16 3.23 3.38 Earnings per share - diluted 3.14 3.22 3.35 Anti-dilutive stock-based awards excluded from diluted shares 1 6 3

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Assets and Liabilities Measured at Fair Value on a Recurring Basis	Assets and Liabilities Measured at Fair Value on a Recurring Basis The following tables summarize assets and liabilities measured at fair value on a recurring basis as of: Fair Value Measurements Using December 31, 2024 ($ in millions) Level 1 Level 2 Level 3 Total Fair Value Assets: Available-for-sale debt and other securities: U.S. Treasury and federal agencies securities $ 4,360 — — 4,360 Obligations of states and political subdivisions securities — — — — Mortgage-backed securities: Agency residential mortgage-backed securities — 5,681 — 5,681 Agency commercial mortgage-backed securities — 20,832 — 20,832 Non-agency commercial mortgage-backed securities — 4,167 — 4,167 Asset-backed securities and other debt securities — 3,729 — 3,729 Available-for-sale debt and other securities (a) 4,360 34,409 — 38,769 Trading debt securities: U.S. Treasury and federal agencies securities 591 35 — 626 Obligations of states and political subdivisions securities — 120 — 120 Agency residential mortgage-backed securities — 10 — 10 Asset-backed securities and other debt securities — 429 — 429 Trading debt securities 591 594 — 1,185 Equity securities 307 34 — 341 Residential mortgage loans held for sale — 574 — 574 Residential mortgage loans (b) — — 108 108 Servicing rights — — 1,704 1,704 Derivative assets: Interest rate contracts 7 721 2 730 Foreign exchange contracts — 1,167 — 1,167 Commodity contracts 75 500 — 575 Derivative assets (c) 82 2,388 2 2,472 Total assets $ 5,340 37,999 1,814 45,153 Liabilities: Derivative liabilities: Interest rate contracts $ — 939 5 944 Foreign exchange contracts — 1,120 — 1,120 Equity contracts — — 170 170 Commodity contracts 57 507 — 564 Derivative liabilities (d) 57 2,566 175 2,798 Short positions: U.S. Treasury and federal agencies securities 139 — — 139 Asset-backed securities and other debt securities — 156 — 156 Equity securities 21 — — 21 Short positions (d) 160 156 — 316 Total liabilities $ 217 2,722 175 3,114 (a) Excludes FHLB, FRB and DTCC restricted stock holdings totaling $276, $500 and $2, respectively, at December 31, 2024. (b) Includes residential mortgage loans originated as held for sale and subsequently transferred to held for investment. (c) Included in other assets (d) Included in other liabilities Fair Value Measurements Using December 31, 2023 ($ in millions) Level 1 Level 2 Level 3 Total Fair Value Assets: Available-for-sale debt and other securities: U.S. Treasury and federal agencies securities $ 4,336 — — 4,336 Obligations of states and political subdivisions securities — 2 — 2 Mortgage-backed securities: Agency residential mortgage-backed securities — 10,282 — 10,282 Agency commercial mortgage-backed securities — 25,720 — 25,720 Non-agency commercial mortgage-backed securities — 4,445 — 4,445 Asset-backed securities and other debt securities — 4,912 — 4,912 Available-for-sale debt and other securities (a) 4,336 45,361 — 49,697 Trading debt securities: U.S. Treasury and federal agencies securities 640 7 — 647 Obligations of states and political subdivisions securities — 39 — 39 Agency residential mortgage-backed securities — 6 — 6 Asset-backed securities and other debt securities — 207 — 207 Trading debt securities 640 259 — 899 Equity securities 600 13 — 613 Residential mortgage loans held for sale — 334 — 334 Residential mortgage loans (b) — — 116 116 Servicing rights — — 1,737 1,737 Derivative assets: Interest rate contracts — 977 6 983 Foreign exchange contracts — 643 — 643 Commodity contracts 205 846 — 1,051 Derivative assets (c) 205 2,466 6 2,677 Total assets $ 5,781 48,433 1,859 56,073 Liabilities: Derivative liabilities: Interest rate contracts $ 5 1,202 6 1,213 Foreign exchange contracts — 600 — 600 Equity contracts — — 168 168 Commodity contracts 28 990 — 1,018 Derivative liabilities (d) 33 2,792 174 2,999 Short positions: U.S. Treasury and federal agencies securities 31 — — 31 Asset-backed securities and other debt securities — 76 — 76 Short positions (d) 31 76 — 107 Total liabilities $ 64 2,868 174 3,106 (a) Excludes FHLB, FRB and DTCC restricted stock holdings totaling $224, $496 and $2, respectively, at December 31, 2023. (b) Includes residential mortgage loans originated as held for sale and subsequently transferred to held for investment. (c) Included in other assets in the Consolidated Balance Sheets. (d) Included in other liabilities in the Consolidated Balance Sheets.
Reconciliation of Assets and Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3)	The following tables are a reconciliation of assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3): Fair Value Measurements Using Significant Unobservable Inputs (Level 3) For the year ended December 31, 2024 ($ in millions) Residential Mortgage Loans Servicing Interest Rate Derivatives, Net (a) Equity Total Fair Value Balance, beginning of period $ 116 1,737 — (168) 1,685 Total (losses) gains (realized/unrealized): (b) Included in earnings (1) (77) 41 (138) (175) Purchases/originations — 49 (1) — 48 Sales — (5) — — (5) Settlements (11) — (43) 136 82 Transfers into Level 3 (c) 4 — — — 4 Balance, end of period $ 108 1,704 (3) (170) 1,639 The amount of total (losses) gains for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held at December 31, 2024 $ (1) 14 6 (138) (119) (a) Net interest rate derivatives include derivative assets and liabilities of $2 and $5, respectively, as of December 31, 2024. (b) There were no unrealized gains or losses for the period included in other comprehensive income for instruments still held at December 31, 2024. (c) Includes certain residential mortgage loans originated as held for sale that were transferred to held for investment. Fair Value Measurements Using Significant Unobservable Inputs (Level 3) For the year ended December 31, 2023 ($ in millions) Residential Mortgage Loans Servicing Interest Rate Derivatives, Net (a) Equity Total Fair Value Balance, beginning of period $ 123 1,746 (1) (195) 1,673 Total (losses) gains (realized/unrealized): (b) Included in earnings 2 (105) 53 (94) (144) Purchases/originations — 96 (3) — 93 Settlements (15) — (49) 121 57 Transfers into Level 3 (c) 6 — — — 6 Balance, end of period $ 116 1,737 — (168) 1,685 The amount of total (losses) gains for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held at December 31, 2023 $ 2 (28) 5 (94) (115) (a) Net interest rate derivatives include $6 for both derivative assets and liabilities as of December 31, 2023. (b) There were no unrealized gains or losses for the period included in other comprehensive income for instruments still held at December 31, 2023. (c) Includes certain residential mortgage loans originated as held for sale that were transferred to held for investment. Fair Value Measurements Using Significant Unobservable Inputs (Level 3) For the year ended December 31, 2022 ($ in millions) Residential Mortgage Loans Servicing Interest Rate Derivatives, Net (a) Equity Total Fair Value Balance, beginning of period $ 154 1,121 4 (214) 1,065 Total gains (losses) (realized/unrealized): (b) Included in earnings (18) 177 22 (84) 97 Purchases/originations — 448 1 — 449 Settlements (23) — (28) 103 52 Transfers into Level 3 (c) 10 — — — 10 Balance, end of period $ 123 1,746 (1) (195) 1,673 The amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held at December 31, 2022 $ (18) 311 6 (84) 215 (a) Net interest rate derivatives include derivative assets and liabilities of $7 and $8, respectively, as of December 31, 2022. (b) There were no unrealized gains or losses for the period included in other comprehensive income for instruments still held at December 31, 2022. (c) Includes certain residential mortgage loans originated as held for sale that were transferred to held for investment.
Total Gains and Losses Included in Earnings for Assets and Liabilites Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3)	The total losses and gains included in earnings for assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) were recorded in the Consolidated Statements of Income for the years ended December 31, 2024, 2023 and 2022 as follows: ($ in millions) 2024 2023 2022 Mortgage banking net revenue $ (38) (54) 177 Capital markets fees 2 4 4 Other noninterest income (139) (94) (84) Total (losses) gains $ (175) (144) 97 The total losses and gains included in earnings attributable to changes in unrealized gains and losses related to Level 3 assets and liabilities still held at December 31, 2024, 2023 and 2022 were recorded in the Consolidated Statements of Income as follows: ($ in millions) 2024 2023 2022 Mortgage banking net revenue $ 18 (25) 295 Capital markets fees 2 4 4 Other noninterest income (139) (94) (84) Total (losses) gains $ (119) (115) 215
Quantitative Information About Significant Unobservable Level 3 Fair Value Measurement Inputs	The following tables present information as of December 31, 2024 and 2023 about significant unobservable inputs related to the Bancorp’s material categories of Level 3 financial assets and liabilities measured at fair value on a recurring basis: As of December 31, 2024 ($ in millions) Financial Instrument Fair Value Valuation Technique Significant Unobservable Range of Inputs Weighted-Average Residential mortgage loans $ 108 Loss rate model Interest rate risk factor (51.9) - 4.6% (13.3) % (a) Credit risk factor — - 0.5% 0.2 % (a) Servicing rights 1,704 DCF Prepayment speed — - 100.0% (Fixed) 5.8 % (b) (Adjustable) 16.9 % (b) OAS (bps) 420 - 1,823 (Fixed) 459 (b) (Adjustable) 731 (b) IRLCs, net 2 DCF Loan closing rates 20.8 - 96.0% 83.5 % (c) Swap associated with the sale of Visa, Inc. Class B Shares (170) DCF Timing of the resolution of the Covered Litigation Q2 2027 - Q1 2028 Q4 2027 (d) (a) Unobservable inputs were weighted by the relative carrying value of the instruments. (b) Unobservable inputs were weighted by the relative unpaid principal balance of the instruments. (c) Unobservable inputs were weighted by the relative notional amount of the instruments. (d) Unobservable inputs were weighted by the probability of the final funding date of the instruments. As of December 31, 2023 ($ in millions) Financial Instrument Fair Value Valuation Technique Significant Unobservable Range of Inputs Weighted-Average Residential mortgage loans $ 116 Loss rate model Interest rate risk factor (23.4) - 3.4% (11.6) % (a) Credit risk factor — - 0.6% 0.2 % (a) Servicing rights 1,737 DCF Prepayment speed — - 100.0% (Fixed) 5.9 % (b) (Adjustable) 20.3 % (b) OAS (bps) 477 - 1,447 (Fixed) 569 (b) (Adjustable) 1,016 (b) IRLCs, net 5 DCF Loan closing rates 20.9 - 96.0% 82.3 % (c) Swap associated with the sale of Visa, Inc. Class B Shares (168) DCF Timing of the resolution of the Covered Litigation Q4 2024 - Q1 2027 Q4 2025 (d) (a) Unobservable inputs were weighted by the relative carrying value of the instruments (b) Unobservable inputs were weighted by the relative unpaid principal balance of the instruments. (c) Unobservable inputs were weighted by the relative notional amount of the instruments. (d) Unobservable inputs were weighted by the probability of the final funding date of the instruments. The following tables present information as of December 31, 2024 and 2023 about significant unobservable inputs related to the Bancorp’s material categories of Level 3 financial assets and liabilities measured on a nonrecurring basis: As of December 31, 2024 ($ in millions) Financial Instrument Fair Value Valuation Technique Significant Unobservable Inputs Ranges of Weighted-Average Commercial loans held for sale $ 6 Comparable company analysis Market comparable transactions NM NM Commercial loans and leases 168 Appraised value Collateral value NM NM Consumer and residential mortgage loans 215 Appraised value Collateral value NM NM OREO 2 Appraised value Appraised value NM NM Bank premises and equipment 7 Appraised value Appraised value NM NM As of December 31, 2023 ($ in millions) Financial Instrument Fair Value Valuation Technique Significant Unobservable Inputs Ranges of Weighted-Average Commercial loans held for sale $ 1 Comparable company analysis Market comparable transactions NM NM Commercial loans and leases 163 Appraised value Collateral value NM NM Consumer and residential mortgage loans 189 Appraised value Collateral value NM NM OREO 18 Appraised value Appraised value NM NM Bank premises and equipment 15 Appraised value Appraised value NM NM Operating lease equipment 2 Appraised value Appraised value NM NM
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis	The following tables provide the fair value hierarchy and carrying amount of all assets that were held as of December 31, 2024 and 2023, and for which a nonrecurring fair value adjustment was recorded during the years ended December 31, 2024 and 2023, and the related gains and losses from fair value adjustments on assets sold during the period as well as assets still held as of the end of the period. Fair Value Measurements Using Total (Losses) Gains As of December 31, 2024 ($ in millions) Level 1 Level 2 Level 3 Total For the year ended December 31, 2024 Commercial loans held for sale $ — — 6 6 (1) Commercial loans and leases — — 168 168 (245) Consumer and residential mortgage loans — — 215 215 (17) OREO — — 2 2 (2) Bank premises and equipment — — 7 7 (1) Private equity investments — 3 — 3 11 Total $ — 3 398 401 (255) Fair Value Measurements Using Total Losses As of December 31, 2023 ($ in millions) Level 1 Level 2 Level 3 Total For the year ended December 31, 2023 Commercial loans held for sale $ — — 1 1 — Commercial loans and leases — — 163 163 (162) Consumer and residential mortgage loans — — 189 189 (12) OREO — — 18 18 (8) Bank premises and equipment — — 15 15 (2) Operating lease equipment — — 2 2 — Private equity investments — — — — (2) Total $ — — 388 388 (186)
Difference Between the Aggregate Fair Value and the Aggregate Unpaid Principal Balance for Residential Mortgage Loans Measured at Fair Value	The following table summarizes the difference between the fair value and the unpaid principal balance for residential mortgage loans measured at fair value as of: ($ in millions) Aggregate Fair Value Aggregate Unpaid Principal Balance Difference December 31, 2024 Residential mortgage loans measured at fair value $ 682 693 (11) Past due loans of 30-89 days 1 1 — Past due loans of 90 days or more 1 1 — Nonaccrual loans 2 2 — December 31, 2023 Residential mortgage loans measured at fair value $ 450 456 (6) Past due loans of 30-89 days 1 1 — Nonaccrual loans 2 2 —
Carrying Amounts and Estimated Fair Values for Certain Financial Instruments	The following tables summarize the carrying amounts and estimated fair values for certain financial instruments, excluding financial instruments measured at fair value on a recurring basis: Net Carrying Fair Value Measurements Using Total As of December 31, 2024 ($ in millions) Amount Level 1 Level 2 Level 3 Fair Value Financial assets: Cash and due from banks $ 3,014 3,014 — — 3,014 Other short-term investments 17,120 17,120 — — 17,120 Other securities 778 — 778 — 778 Held-to-maturity securities 11,278 2,344 8,619 2 10,965 Loans and leases held for sale 66 — — 66 66 Portfolio loans and leases: Commercial loans and leases 72,139 — — 72,319 72,319 Consumer and residential mortgage loans 45,192 — — 42,155 42,155 Total portfolio loans and leases, net $ 117,331 — — 114,474 114,474 Financial liabilities: Deposits $ 167,252 — 167,353 — 167,353 Federal funds purchased 204 204 — — 204 Other short-term borrowings 4,450 — 4,459 — 4,459 Long-term debt 14,440 3,753 10,835 — 14,588 Net Carrying Fair Value Measurements Using Total As of December 31, 2023 ($ in millions) Amount Level 1 Level 2 Level 3 Fair Value Financial assets: Cash and due from banks $ 3,142 3,142 — — 3,142 Other short-term investments 22,082 22,082 — — 22,082 Other securities 722 — 722 — 722 Held-to-maturity securities 2 — — 2 2 Loans and leases held for sale 44 — — 44 44 Portfolio loans and leases: Commercial loans and leases 71,616 — — 71,766 71,766 Consumer and residential mortgage loans 43,180 — — 41,410 41,410 Total portfolio loans and leases, net $ 114,796 — — 113,176 113,176 Financial liabilities: Deposits $ 168,912 — 168,873 — 168,873 Federal funds purchased 193 193 — — 193 Other short-term borrowings 2,861 — 2,872 — 2,872 Long-term debt 16,418 14,481 1,903 — 16,384

Regulatory Capital Requiremen_2

Regulatory Capital Requirements and Capital Ratios (Tables)	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Capital and Risk-Based Capital and Leverage Ratios for the Bancorp and its Significant Subsidiary Banks	The following table summarizes the prescribed capital ratios for the Bancorp and its banking subsidiary. Minimum Well-Capitalized CET1 capital: Fifth Third Bancorp 4.50 % N/A Fifth Third Bank, National Association 4.50 6.50 Tier 1 risk-based capital: Fifth Third Bancorp 6.00 6.00 Fifth Third Bank, National Association 6.00 8.00 Total risk-based capital: Fifth Third Bancorp 8.00 10.00 Fifth Third Bank, National Association 8.00 10.00 Leverage: Fifth Third Bancorp 4.00 N/A Fifth Third Bank, National Association 4.00 5.00 The following table presents capital and risk-based capital and leverage ratios for the Bancorp and its banking subsidiary at December 31: 2024 2023 ($ in millions) Amount Ratio Amount Ratio CET1 capital: Fifth Third Bancorp $ 17,339 10.57 % $ 16,800 10.29 % Fifth Third Bank, National Association 20,943 12.86 20,147 12.42 Tier 1 risk-based capital: Fifth Third Bancorp 19,455 11.86 18,916 11.59 Fifth Third Bank, National Association 20,943 12.86 20,147 12.42 Total risk-based capital: Fifth Third Bancorp 22,746 13.86 22,400 13.72 Fifth Third Bank, National Association 23,116 14.19 22,463 13.85 Leverage: (a) Fifth Third Bancorp 19,455 9.22 18,916 8.73 Fifth Third Bank, National Association 20,943 10.02 20,147 9.38 (a) Quarterly average assets are a component of the Leverage ratio and for this purpose do not include goodwill and any other intangible assets and other investments that the U.S. banking agencies determine should be deducted from Tier 1 capital.

Parent Company Financial Stat_2

Parent Company Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Condensed Statements of Income (Parent Company Only)	Condensed Statements of Income (Parent Company Only) For the years ended December 31 ($ in millions) 2024 2023 2022 Income Dividends from consolidated nonbank subsidiaries (a) $ 1,800 1,819 165 Securities gains (losses), net 3 4 (9) Interest 85 63 11 Total income 1,888 1,886 167 Expenses Interest 553 525 311 Other 27 39 19 Total expenses 580 564 330 Income (Loss) Before Income Taxes and Equity in Undistributed Earnings of Subsidiaries 1,308 1,322 (163) Applicable income tax benefit (115) (112) (76) Income (Loss) Before Equity in Undistributed Earnings of Subsidiaries 1,423 1,434 (87) Equity in undistributed earnings 891 915 2,533 Net Income $ 2,314 2,349 2,446 Other Comprehensive Income — — — Comprehensive Income $ 2,314 2,349 2,446 (a) Includes dividends paid by the Bancorp’s indirect banking subsidiary to the Bancorp’s direct nonbank subsidiary holding company of $1.8 billion for both the years ended December 31, 2024 and 2023. The Bancorp’s indirect banking subsidiary did not pay dividends during the year ended December 31, 2022.
Condensed Balance Sheets (Parent Company Only)	Condensed Balance Sheets (Parent Company Only) As of December 31 ($ in millions) 2024 2023 Assets Cash $ 969 120 Other short-term investments 3,106 6,500 Available-for-sale debt and other securities 2,500 1,000 Equity securities 29 34 Loans to nonbank subsidiaries 5 — Investment in nonbank subsidiaries 22,891 21,998 Goodwill 80 80 Other assets 156 179 Total Assets $ 29,736 29,911 Liabilities Other short-term borrowings $ 3 — Accrued expenses and other liabilities 567 631 Long-term debt (external) 9,521 10,108 Total Liabilities $ 10,091 10,739 Equity Common stock $ 2,051 2,051 Preferred stock 2,116 2,116 Capital surplus 3,804 3,757 Retained earnings 24,150 22,997 Accumulated other comprehensive loss (4,636) (4,487) Treasury stock (7,840) (7,262) Total Equity 19,645 19,172 Total Liabilities and Equity $ 29,736 29,911
Condensed Statements of Cash Flows (Parent Company Only)	Condensed Statements of Cash Flows (Parent Company Only) For the years ended December 31 ($ in millions) 2024 2023 2022 Operating Activities Net income $ 2,314 2,349 2,446 Adjustments to reconcile net income to net cash provided by operating activities: Amortization and accretion 7 7 7 Provision for (benefit from) deferred income taxes 2 1 (3) Securities (gains) losses, net (3) (4) 9 Equity in undistributed earnings (891) (915) (2,533) Net change in: Equity securities 8 4 6 Other assets (49) 147 (115) Accrued expenses and other liabilities (60) (126) 45 Net Cash Provided by (Used in) Operating Activities 1,328 1,463 (138) Investing Activities Proceeds from maturities of securities issued by subsidiary 1,000 1,000 — Purchase of securities issued by subsidiary (2,500) (1,000) (1,000) Net change in: Other short-term investments 3,394 (833) 567 Loans to nonbank subsidiaries (5) 60 132 Net Cash Provided by (Used in) Investing Activities 1,889 (773) (301) Financing Activities Net change in other short-term borrowings 3 (121) (240) Proceeds from issuance of long-term debt 1,742 1,244 2,986 Repayment of long-term debt (2,250) (500) (1,200) Dividends paid on common and preferred stock (1,176) (1,060) (927) Repurchase of treasury stock and related forward contract (625) (200) (100) Other, net (62) (53) (82) Net Cash (Used in) Provided by Financing Activities (2,368) (690) 437 Increase (Decrease) in Cash 849 — (2) Cash at Beginning of Period 120 120 122 Cash at End of Period $ 969 120 120

Business Segments (Tables)

Business Segments (Tables)	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Results of Operations and Assets by Segment	The following tables present the results of operations and assets by segment for the years ended December 31: 2024 ($ in millions) Commercial Consumer and Small Business Banking Wealth General Corporate and Other (d) Total Net interest income (FTE) (a) $ 2,647 4,169 210 (1,372) 5,654 Provision for (benefit from) credit losses 304 322 — (96) 530 Net interest income after provision for (benefit from) credit losses $ 2,343 3,847 210 (1,276) 5,124 Noninterest income: Wealth and asset management revenue $ 3 247 397 — 647 Commercial payments revenue 529 76 1 2 608 Consumer banking revenue — 551 2 2 555 Capital markets fees 421 2 2 (1) 424 Commercial banking revenue 373 4 — — 377 Mortgage banking net revenue — 210 1 — 211 Other noninterest income 53 4 1 (46) 12 Securities gains, net 1 — — 14 15 Total noninterest income $ 1,380 1,094 404 (29) 2,849 Noninterest expense: Compensation and benefits $ 656 882 222 1,003 2,763 Technology and communications 14 30 1 429 474 Net occupancy expense (b) 36 212 12 79 339 Equipment expense 28 51 — 74 153 Loan and lease expense 31 80 1 20 132 Marketing expense 3 68 1 43 115 Card and processing expense 9 75 1 (1) 84 Other noninterest expense (c) 1,117 1,074 149 (1,367) 973 Total noninterest expense $ 1,894 2,472 387 280 5,033 Income (loss) before income taxes (FTE) $ 1,829 2,469 227 (1,585) 2,940 Average assets $ 77,177 51,627 4,390 79,612 212,806 (a) Includes FTE adjustments of $15 for Commercial Banking and $9 for General Corporate and Other. (b) Includes impairment losses and termination charges of $1 for ROU assets related to certain operating leases. For more information, refer to Note 9. (c) Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (d) General Corporate and Other is not a reportable segment and is presented for reconciliation purposes. 2023 ($ in millions) Commercial Banking Consumer and Small Business Banking Wealth General Corporate and Other (e) Total Net interest income (FTE) (a) $ 3,828 5,207 360 (3,543) 5,852 Provision for credit losses 12 303 1 199 515 Net interest income after provision for credit losses $ 3,816 4,904 359 (3,742) 5,337 Noninterest income: Wealth and asset management revenue $ 2 216 363 — 581 Commercial payments revenue 473 85 1 5 564 Consumer banking revenue — 544 2 — 546 Capital markets fees 419 2 1 — 422 Commercial banking revenue 406 2 — 1 409 Mortgage banking net revenue — 250 — — 250 Other noninterest income (b) 65 6 2 18 91 Securities gains (losses), net (9) — — 27 18 Total noninterest income $ 1,356 1,105 369 51 2,881 Noninterest expense: Compensation and benefits $ 654 878 220 942 2,694 Technology and communications 14 27 1 422 464 Net occupancy expense (c) 41 209 12 69 331 Equipment expense 29 44 — 75 148 Loan and lease expense 30 86 1 16 133 Marketing expense 3 70 1 52 126 Card and processing expense 11 76 1 (4) 84 Other noninterest expense (d) 1,221 1,125 139 (1,260) 1,225 Total noninterest expense $ 2,003 2,515 375 312 5,205 Income (loss) before income taxes (FTE) $ 3,169 3,494 353 (4,003) 3,013 Average assets $ 83,078 50,974 4,678 69,696 208,426 (a) Includes FTE adjustments of $16 for Commercial Banking and $9 for General Corporate and Other. (b) Includes impairment charges of $1 recorded in Consumer and Small Business Banking and $1 recorded in General Corporate and Other for bank premises and equipment. For more information, refer to Note 7 and Note 28. (c) Includes impairment losses and termination charges of $2 for ROU assets related to certain operating leases. For more information, refer to Note 9. (d) Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (e) General Corporate and Other is not a reportable segment and is presented for reconciliation purposes. 2022 ($ in millions) Commercial Consumer and Small Business Banking Wealth General Corporate and Other (f) Total Net interest income (FTE) (a) $ 2,552 3,131 262 (320) 5,625 Provision for credit losses 33 139 — 391 563 Net interest income after provision for credit losses $ 2,519 2,992 262 (711) 5,062 Noninterest income: Wealth and asset management revenue $ 3 204 363 — 570 Commercial payments revenue 468 89 1 10 568 Consumer banking revenue — 538 2 2 542 Capital markets fees 387 2 — (2) 387 Commercial banking revenue 417 (c) 1 1 — 419 Mortgage banking net revenue — 214 1 — 215 Other noninterest income (b) 98 7 — 44 149 Securities losses, net (33) (2) — (49) (84) Total noninterest income $ 1,340 1,053 368 5 2,766 Noninterest expense: Compensation and benefits $ 639 828 218 869 2,554 Technology and communications 11 22 1 382 416 Net occupancy expense (d) 40 196 13 58 307 Equipment expense 27 38 — 80 145 Loan and lease expense 27 107 1 32 167 Marketing expense 5 58 1 54 118 Card and processing expense 11 72 1 (4) 80 Other noninterest expense (e) 1,063 1,068 144 (1,343) 932 Total noninterest expense $ 1,823 2,389 379 128 4,719 Income (loss) before income taxes (FTE) $ 2,036 1,656 251 (834) 3,109 Average assets $ 82,239 49,823 4,763 70,104 206,929 (a) Includes FTE adjustments of $10 for Commercial Banking and $6 for General Corporate and Other. (b) Includes impairment charges of $6 recorded in Consumer and Small Business Banking and $3 recorded in General Corporate and Other for bank premises and equipment. For more information, refer to Note 7. (c) Includes impairment charges of $2 for operating lease equipment. For more information, refer to Note 8. (d) Includes impairment losses and termination charges of $2 for ROU assets related to certain operating leases. For more information, refer to Note 9. (e) Includes segment expenses which are classified as other noninterest expense and allocations of corporate and shared services expenses. (f) General Corporate and Other is not a reportable segment and is presented for reconciliation purposes.

Summary of Significant Accoun_3

Summary of Significant Accounting and Reporting Policies - Portfolio Loans and Leases (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($)
Commercial
Financing Receivable, Recorded Investment, Past Due
Threshold period past due for nonaccrual loans	90 days
Established threshold nonaccrual commercial loans	$ 1
Commercial | Credit card
Financing Receivable, Recorded Investment, Past Due
Loans modified as TDR maintained on accrual status, payment history, period	6 months
Residential Mortgage | Residential mortgage loans
Financing Receivable, Recorded Investment, Past Due
Threshold period past due for nonaccrual loans	150 days
Foreclosure process, period	180 days
Threshold period past due for accrual loans	90 days
Consumer | Home equity
Financing Receivable, Recorded Investment, Past Due
Threshold period past due for nonaccrual loans	90 days
Threshold period past due for nonaccrual loans, with senior lien in default	60 days
Senior lien in default, threshold period	120 days
Consumer | Credit card
Financing Receivable, Recorded Investment, Past Due
Threshold period past due	90 days
Consumer | Indirect Secured Consumer Loan And Other Consumer Loan
Financing Receivable, Recorded Investment, Past Due
Threshold period past due for nonaccrual loans	90 days
Consumer | Consumer Loan
Financing Receivable, Recorded Investment, Past Due
Threshold period past due for nonaccrual loans	60 days
Threshold past due for nonaccrual loans, principal or interest	60 days

Summary of Significant Accoun_4

Summary of Significant Accounting and Reporting Policies - ALLL (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($)
Commercial And Credit Card Portfolio Segment
Financing Receivable, Recorded Investment, Past Due
Financing Receivable, Troubled Debt Modification On Nonaccrual Status, Payment History, Period	6 months
Large Commercial Loans and Leases
Financing Receivable, Recorded Investment, Past Due
Larger commercial loans, subject to impairment review	$ 1
Commercial
Financing Receivable, Recorded Investment, Past Due
Loans modified as TDR maintained on accrual status, payment history, period	6 months

Summary of Significant Accoun_5

Summary of Significant Accounting and Reporting Policies - Pension Plans (Details)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Net gain (loss) in excess of projected benefit obligation, percentage	10%

Summary of Significant Accoun_6

Summary of Significant Accounting and Reporting Policies - Accounting Standards (Details) - USD ($) $ in Millions	Dec. 31, 2024	Jan. 01, 2024	Dec. 31, 2023
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Retained earnings	$ (24,150)		$ (22,997)
Cumulative Effect, Period of Adoption, Adjustment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Retained earnings		$ 10

Supplemental Cash Flow Inform_3

Supplemental Cash Flow Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash Payments:
Interest	$ 4,871	$ 3,776	$ 869
Income taxes	195	655	272
Transfers:
Portfolio loans and leases to loans and leases held for sale	422	513	105
Loans and leases held for sale to portfolio loans and leases	4	6	409
Portfolio loans and leases to OREO	23	12	8
Bank premises and equipment to OREO	9	30	24
Available-for-sale debt securities to held-to-maturity securities	11,593	0	0
Supplemental Disclosures:
Net additions to lease liabilities under operating leases	74	72	152
Net additions (reductions) to lease liabilities under finance leases	$ 44	$ (6)	$ 27

Restrictions on Dividends and_2

Restrictions on Dividends and Capital Actions (Details) - USD ($) $ / shares in Units, $ in Billions	3 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash and Cash Equivalents [Abstract]
Dividends from consolidated nonbank subsidiaries		$ 1.8	$ 1.8
Common stock dividends, per share (in dollars per share)	$ 0.37	$ 1.44	$ 1.36	$ 1.26

Investment Securities - Investm

Investment Securities - Investment Securities (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Available-for-sale debt and other securities:
Amortized Cost	$ 43,878	$ 55,789
Unrealized Gains	6	9
Unrealized Losses	(4,337)	(5,379)
Fair Value	39,547	50,419
Held-to-maturity securities:(b)
Amortized Cost	11,278	2
Unrealized Gains	0	0
Unrealized Losses	(313)	0
Fair Value	10,965	2
Trading debt securities	1,185	899
Equity securities	341	613
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale Transferred to Held-to-Maturity, Parent
Available-for-sale debt and other securities:
AOCI offset, unamortized portion of unrealized losses on securities	865
U.S. Treasury and federal agencies securities
Available-for-sale debt and other securities:
Amortized Cost	4,358	4,477
Unrealized Gains	2	1
Unrealized Losses	0	(142)
Fair Value	4,360	4,336
Held-to-maturity securities:(b)
Amortized Cost	2,370
Unrealized Gains	0
Unrealized Losses	(26)
Fair Value	2,344
Obligations of states and political subdivisions securities
Available-for-sale debt and other securities:
Amortized Cost	0	2
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	0	2
Agency mortgage-backed securities | Residential mortgage backed securities
Available-for-sale debt and other securities:
Amortized Cost	6,460	11,564
Unrealized Gains	0	0
Unrealized Losses	(779)	(1,282)
Fair Value	5,681	10,282
Held-to-maturity securities:(b)
Amortized Cost	4,898
Unrealized Gains	0
Unrealized Losses	(197)
Fair Value	4,701
Agency mortgage-backed securities | Commercial mortgage-backed securities
Available-for-sale debt and other securities:
Amortized Cost	23,853	28,945
Unrealized Gains	1	5
Unrealized Losses	(3,022)	(3,230)
Fair Value	20,832	25,720
Held-to-maturity securities:(b)
Amortized Cost	4,008
Unrealized Gains	0
Unrealized Losses	(90)
Fair Value	3,918
Non-agency mortgage-backed securities | Commercial mortgage-backed securities
Available-for-sale debt and other securities:
Amortized Cost	4,505	4,872
Unrealized Gains	0	0
Unrealized Losses	(338)	(427)
Fair Value	4,167	4,445
Asset-backed securities and other debt securities
Available-for-sale debt and other securities:
Amortized Cost	3,924	5,207
Unrealized Gains	3	3
Unrealized Losses	(198)	(298)
Fair Value	3,729	4,912
Held-to-maturity securities:(b)
Amortized Cost	2	2
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	2	2
Other securities
Available-for-sale debt and other securities:
Amortized Cost	778	722
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	778	722
FHLB, restricted stock holdings	276	224
FRB, restricted stock holdings	500	496
DTCC, restricted stock holdings	$ 2	$ 2

Investment Securities - Additio

Investment Securities - Additional Information (Details) - USD ($) $ in Millions	1 Months Ended
	Jan. 31, 2024	Dec. 31, 2024	Dec. 31, 2023
Investments, Unrealized Loss Position
Accrued interest receivables on investment securities		$ 162	$ 146
Transfer of available-for-sale securities to held-to-maturity	$ 12,600
OCI, available-for-sale debt securities transferred to held-to-maturity, pretax unrealized losses	$ 994
Securities with a fair value, pledged as collateral		30,000	25,200
Unrealized losses		4,337	5,379
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale Transferred to Held-to-Maturity, Parent
Investments, Unrealized Loss Position
AOCI offset, unamortized portion of unrealized losses on securities		865
Non-rated Securities
Investments, Unrealized Loss Position
Unrealized losses		$ 34	$ 45

Investment Securities - Gains a

Investment Securities - Gains and Losses Recognized in Income from Securities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Available-for-sale debt and other securities:
Realized gains	$ 5	$ 34	$ 16
Realized losses	(2)	(30)	(13)
Impairment losses	(21)	(5)	(1)
Net (losses) gains on available-for-sale debt and other securities	(18)	(1)	2
Trading debt securities:
Net realized losses	0	0	(2)
Net unrealized gains	0	3	11
Net trading debt securities gains	0	3	9
Equity securities:
Net realized gains	15	5	1
Net unrealized gains (losses)	18	11	(96)
Net equity securities gains (losses)	33	16	(95)
Total (losses) gains recognized in income from available-for-sale debt and other securities, trading debt securities and equity securities	15	18	(84)
Commercial Banking Revenue and Wealth and Asset Management Revenue
Equity securities:
Total (losses) gains recognized in income from available-for-sale debt and other securities, trading debt securities and equity securities	$ 5	$ 13	$ 0

Investment Securities - Amortiz

Investment Securities - Amortized Cost and Fair Value of Available-for-Sale Debt and Held-to-Maturity Securities (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Available-for-Sale Debt and Other, Amortized Cost
Due in 1 year or less	$ 3,682
Due after 1 year through 5 years	16,586
Due after 5 years through 10 years	16,262
Due after 10 years	6,570
Other securities	778
Amortized Cost	43,878	$ 55,789
Available-for-Sale Debt and Other, Fair Value
Due in 1 year or less	3,666
Due after 1 year through 5 years	15,643
Due after 5 years through 10 years	13,830
Due after 10 years	5,630
Other securities	778
Fair Value	39,547	50,419
Held-to-Maturity, Amortized Cost
Due in 1 year or less	37
Due after 1 year through 5 years	3,231
Due after 5 years through 10 years	7,549
Due after 10 years	461
Other securities	0
Amortized Cost	11,278	2
Held-to-Maturity, Fair Value
Due in 1 year or less	38
Due after 1 year through 5 years	3,191
Due after 5 years through 10 years	7,286
Due after 10 years	450
Other securities	0
Fair Value	$ 10,965	$ 2

Investment Securities - Fair Va

Investment Securities - Fair Value and Gross Unrealized Losses on Available-for-Sale Debt Securities (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Fair Value
Less than 12 months	$ 2,253	$ 7,990
12 months or more	32,243	40,782
Total	34,496	48,772
Unrealized Losses
Less than 12 months	(34)	(580)
12 months or more	(4,303)	(4,799)
Total	(4,337)	(5,379)
Amortized Cost	11,278	2
U.S. Treasury and federal agencies securities
Fair Value
Less than 12 months	569	1,989
12 months or more	0	2,157
Total	569	4,146
Unrealized Losses
Less than 12 months	0	(3)
12 months or more	0	(139)
Total	0	(142)
Amortized Cost	2,370
Agency mortgage-backed securities | Residential mortgage backed securities
Fair Value
Less than 12 months	1,061	81
12 months or more	4,566	10,200
Total	5,627	10,281
Unrealized Losses
Less than 12 months	(14)	(2)
12 months or more	(765)	(1,280)
Total	(779)	(1,282)
Amortized Cost	4,898
Agency mortgage-backed securities | Commercial mortgage-backed securities
Fair Value
Less than 12 months	157	5,439
12 months or more	20,536	19,957
Total	20,693	25,396
Unrealized Losses
Less than 12 months	(6)	(556)
12 months or more	(3,016)	(2,674)
Total	(3,022)	(3,230)
Amortized Cost	4,008
Non-agency mortgage-backed securities | Commercial mortgage-backed securities
Fair Value
Less than 12 months	183	141
12 months or more	3,984	4,284
Total	4,167	4,425
Unrealized Losses
Less than 12 months	(3)	(2)
12 months or more	(335)	(425)
Total	(338)	(427)
Asset-backed securities and other debt securities
Fair Value
Less than 12 months	283	340
12 months or more	3,157	4,184
Total	3,440	4,524
Unrealized Losses
Less than 12 months	(11)	(17)
12 months or more	(187)	(281)
Total	(198)	(298)
Amortized Cost	$ 2	$ 2

Loans and Leases - Loans and Le

Loans and Leases - Loans and Leases Classified by Primary Purpose (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Loans and leases held for sale:
Loans and leases held for sale	$ 640	$ 378
Portfolio loans and leases:
Total portfolio loans and leases	119,791	117,234
Commercial
Portfolio loans and leases:
Total portfolio loans and leases	73,293	72,746
Commercial | Commercial and industrial loans
Loans and leases held for sale:
Loans and leases held for sale	15	41
Portfolio loans and leases:
Total portfolio loans and leases	52,271	53,270
Commercial | Commercial mortgage loans
Loans and leases held for sale:
Loans and leases held for sale	22	0
Portfolio loans and leases:
Total portfolio loans and leases	12,246	11,276
Commercial | Commercial construction loans
Loans and leases held for sale:
Loans and leases held for sale	29	0
Portfolio loans and leases:
Total portfolio loans and leases	5,588	5,621
Commercial | Commercial leases
Loans and leases held for sale:
Loans and leases held for sale	0	3
Portfolio loans and leases:
Total portfolio loans and leases	3,188	2,579
Consumer
Portfolio loans and leases:
Total portfolio loans and leases	46,498	44,488
Consumer | Residential mortgage loans
Loans and leases held for sale:
Loans and leases held for sale	574	334
Portfolio loans and leases:
Total portfolio loans and leases	17,543	17,026
Consumer | Home equity
Portfolio loans and leases:
Total portfolio loans and leases	4,188	3,916
Consumer | Indirect secured consumer loans
Portfolio loans and leases:
Total portfolio loans and leases	16,313	14,965
Consumer | Credit card
Portfolio loans and leases:
Total portfolio loans and leases	1,734	1,865
Consumer | Solar energy installation loans
Portfolio loans and leases:
Total portfolio loans and leases	4,202	3,728
Consumer | Other consumer loans
Portfolio loans and leases:
Total portfolio loans and leases	$ 2,518	$ 2,988

Loans and Leases - Additional I

Loans and Leases - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024		Dec. 31, 2023		Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unearned income	$ 380		$ 272
Accrued interest receivable	566		593
Net premium (discount)	$ (324)		$ (395)
Direct Financing Lease, Lease Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest and Dividend Income, Operating		Interest and Dividend Income, Operating		Interest and Dividend Income, Operating
Sales-Type Lease, Lease Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest and Dividend Income, Operating		Interest and Dividend Income, Operating		Interest and Dividend Income, Operating
Direct financing lease - interest income	$ 40		$ 26		$ 29
Sales type lease - interest income	82		63		50
Allowance for loan and lease losses	2,352	[1]	2,322	[1]	$ 2,194	$ 1,892
Commercial leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan and lease losses	16		13
Solar energy installation loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net premium (discount)	(901)		(865)
FHLB advances
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged	15,100		14,500
FRB Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged	$ 55,300		$ 49,300
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12.

Loans and Leases - Total Loans

Loans and Leases - Total Loans and Leases Managed by the Bancorp and Net Charge-Offs (Recoveries) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	$ 120,431	$ 117,612
Loans and leases held for sale	640	378
Total portfolio loans and leases	119,791	117,234
90 Days Past Due and Still Accruing	32	36
Net Charge-Offs (Recoveries)	532	388
Commercial
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Total portfolio loans and leases	73,293	72,746
Commercial | Commercial and industrial loans
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	52,286	53,311
90 Days Past Due and Still Accruing	5	8
Net Charge-Offs (Recoveries)	242	155
Commercial | Commercial mortgage loans
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	12,268	11,276
90 Days Past Due and Still Accruing	0	0
Net Charge-Offs (Recoveries)	0	(2)
Commercial | Commercial construction loans
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	5,617	5,621
90 Days Past Due and Still Accruing	0	0
Net Charge-Offs (Recoveries)	0	1
Commercial | Commercial leases
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	3,188	2,582
90 Days Past Due and Still Accruing	1	0
Net Charge-Offs (Recoveries)	2	(1)
Consumer
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Total portfolio loans and leases	46,498	44,488
Consumer | Residential mortgage loans
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	18,117	17,360
90 Days Past Due and Still Accruing	6	7
Net Charge-Offs (Recoveries)	(2)	0
Consumer | Indirect secured consumer loans
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	16,313	14,965
90 Days Past Due and Still Accruing	0	0
Net Charge-Offs (Recoveries)	90	72
Consumer | Home equity
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	4,188	3,916
90 Days Past Due and Still Accruing	0	0
Net Charge-Offs (Recoveries)	(1)	1
Consumer | Credit card
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	1,734	1,865
90 Days Past Due and Still Accruing	20	21
Net Charge-Offs (Recoveries)	68	64
Consumer | Solar energy installation loans
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	4,202	3,728
90 Days Past Due and Still Accruing	0	0
Net Charge-Offs (Recoveries)	56	26
Consumer | Other consumer loans
Assets that Continue to be Recognized, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together
Carrying Value	2,518	2,988
90 Days Past Due and Still Accruing	0	0
Net Charge-Offs (Recoveries)	$ 77	$ 72

Loans and Leases - Components o

Loans and Leases - Components of Net Investment in Leases (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Net investment in sales-type leases:
Leveraged leases	$ 248	$ 249
Direct Financing Leases
Net investment in direct financing leases:
Lease payment receivable (present value)	631	556
Unguaranteed residual assets (present value)	121	105
Sales-Type Leases
Net investment in sales-type leases:
Lease payment receivable (present value)	2,102	1,585
Unguaranteed residual assets (present value)	$ 86	$ 84

Loans and Leases - Undiscounted

Loans and Leases - Undiscounted Cash Flows (Details) $ in Millions	Dec. 31, 2024 USD ($)
Direct Financing Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
2025	$ 197
2026	169
2027	137
2028	76
2029	53
Thereafter	69
Total undiscounted cash flows	701
Less: Difference between undiscounted cash flows and discounted cash flows	70
Present value of lease payments (recognized as lease receivables)	631
Sales-Type Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
2025	653
2026	508
2027	438
2028	313
2029	172
Thereafter	229
Total undiscounted cash flows	2,313
Less: Difference between undiscounted cash flows and discounted cash flows	211
Present value of lease payments (recognized as lease receivables)	$ 2,102

Credit Quality and the Allowa_3

Credit Quality and the Allowance for Loan and Lease Losses - Summary of Transactions in the ALLL by Portfolio Segment (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024		Dec. 31, 2023		Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	$ 2,322	[1]	$ 2,194		$ 1,892
Losses charged off	(686)		(522)		(362)
Recoveries previously charged off	154		134		135
Provision for (benefit from) loan and lease losses	562		565		529
Balance, end of period	2,352	[1]	2,322	[1]	$ 2,194
Accounting Standards Update [Extensible Enumeration]					Accounting Standards Update 2022-02 [Member]
Other Consumer Loans, Point of Sale
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Losses charged off	(28)		(35)		$ (32)
Recoveries previously charged off	28		35		32
Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period			(49)
Balance, end of period					(49)
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	1,130		1,127		1,102
Losses charged off	(267)		(170)		(131)
Recoveries previously charged off	23		17		30
Provision for (benefit from) loan and lease losses	268		152		126
Balance, end of period	1,154		1,130		1,127
Commercial | Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period			4
Balance, end of period					4
Residential Mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	145		245		235
Losses charged off	(2)		(4)		(3)
Recoveries previously charged off	4		4		5
Provision for (benefit from) loan and lease losses	(1)		(64)		8
Balance, end of period	146		145		245
Residential Mortgage | Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period			(36)
Balance, end of period					(36)
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	1,047		822		555
Losses charged off	(417)		(348)		(228)
Recoveries previously charged off	127		113		100
Provision for (benefit from) loan and lease losses	295		477		395
Balance, end of period	$ 1,052		1,047		822
Consumer | Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period			$ (17)
Balance, end of period					$ (17)
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12.

Credit Quality and the Allowa_4

Credit Quality and the Allowance for Loan and Lease Losses - Summary of the ALLL and Related Loans and Leases Classified by Portfolio Segment (Details) - USD ($) $ in Millions	Dec. 31, 2024		Dec. 31, 2023		Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated	$ 117		$ 96
Collectively evaluated	2,235		2,226
Total ALLL	2,352	[1]	2,322	[1]	$ 2,194	$ 1,892
Individually evaluated	622		476
Collectively evaluated	119,061		116,642
Total portfolio loans and leases	119,683		117,118
Leveraged leases	248		249
Commercial Leveraged Leases
Financing Receivable, Allowance for Credit Loss [Line Items]
Total ALLL	1		2
Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated	106		90
Collectively evaluated	1,048		1,040
Total ALLL	1,154		1,130		1,127	1,102
Individually evaluated	395		281
Collectively evaluated	72,898		72,465
Total portfolio loans and leases	73,293		72,746
Residential Mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated	0		0
Collectively evaluated	146		145
Total ALLL	146		145		245	235
Individually evaluated	131		126
Collectively evaluated	17,304		16,784
Total portfolio loans and leases	17,435		16,910
Loans	108		116
Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated	11		6
Collectively evaluated	1,041		1,041
Total ALLL	1,052		1,047		$ 822	$ 555
Individually evaluated	96		69
Collectively evaluated	28,859		27,393
Total portfolio loans and leases	$ 28,955		$ 27,462
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12.

Credit Quality and the Allowa_5

Credit Quality and the Allowance for Loan and Lease Losses - Summary of the Credit Risk Profile of the Bancorp's Commercial Portfolio Segment by Class (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Modifications
Total	$ 119,791	$ 117,234
Commercial
Financing Receivable, Modifications
Year One	6,248	5,105
Year Two	3,436	6,197
Year Three	4,665	3,499
Year Four	2,583	1,650
Year Five	1,135	1,099
Prior	1,771	1,730
Revolving and Other Loans	53,455	53,466
Total	73,293	72,746
Commercial | Pass
Financing Receivable, Modifications
Year One	5,998	4,649
Year Two	3,243	5,759
Year Three	4,339	3,328
Year Four	2,461	1,579
Year Five	1,086	990
Prior	1,669	1,494
Revolving and Other Loans	49,277	49,710
Total	68,073	67,509
Commercial | Special mention
Financing Receivable, Modifications
Year One	81	158
Year Two	26	298
Year Three	97	90
Year Four	16	38
Year Five	5	20
Prior	16	121
Revolving and Other Loans	1,992	2,056
Total	2,233	2,781
Commercial | Substandard
Financing Receivable, Modifications
Year One	169	298
Year Two	167	140
Year Three	227	81
Year Four	106	33
Year Five	44	89
Prior	86	115
Revolving and Other Loans	2,116	1,694
Total	2,915	2,450
Commercial | Doubtful
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	2	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	70	6
Total	72	6
Commercial | Commercial and industrial loans
Financing Receivable, Modifications
Year One	3,048	2,245
Year Two	1,454	3,637
Year Three	2,651	1,902
Year Four	1,396	631
Year Five	406	308
Prior	461	499
Revolving and Other Loans	42,855	44,048
Total	52,271	53,270
Commercial | Commercial and industrial loans | Pass
Financing Receivable, Modifications
Year One	2,966	2,124
Year Two	1,346	3,434
Year Three	2,445	1,814
Year Four	1,321	580
Year Five	371	263
Prior	437	321
Revolving and Other Loans	40,185	40,889
Total	49,071	49,425
Commercial | Commercial and industrial loans | Special mention
Financing Receivable, Modifications
Year One	15	16
Year Two	13	100
Year Three	22	60
Year Four	1	33
Year Five	3	6
Prior	9	105
Revolving and Other Loans	1,055	1,756
Total	1,118	2,076
Commercial | Commercial and industrial loans | Substandard
Financing Receivable, Modifications
Year One	67	105
Year Two	95	103
Year Three	182	28
Year Four	74	18
Year Five	32	39
Prior	15	73
Revolving and Other Loans	1,545	1,397
Total	2,010	1,763
Commercial | Commercial and industrial loans | Doubtful
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	2	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	70	6
Total	72	6
Commercial | Commercial mortgage owner-occupied loans:
Financing Receivable, Modifications
Year One	858	931
Year Two	833	1,123
Year Three	891	775
Year Four	665	418
Year Five	324	270
Prior	353	270
Revolving and Other Loans	2,099	1,413
Total	6,023	5,200
Commercial | Commercial mortgage owner-occupied loans: | Pass
Financing Receivable, Modifications
Year One	786	870
Year Two	790	1,078
Year Three	844	746
Year Four	630	408
Year Five	315	219
Prior	307	260
Revolving and Other Loans	1,829	1,279
Total	5,501	4,860
Commercial | Commercial mortgage owner-occupied loans: | Special mention
Financing Receivable, Modifications
Year One	8	30
Year Two	9	23
Year Three	23	18
Year Four	7	0
Year Five	0	6
Prior	3	0
Revolving and Other Loans	31	20
Total	81	97
Commercial | Commercial mortgage owner-occupied loans: | Substandard
Financing Receivable, Modifications
Year One	64	31
Year Two	34	22
Year Three	24	11
Year Four	28	10
Year Five	9	45
Prior	43	10
Revolving and Other Loans	239	114
Total	441	243
Commercial | Commercial mortgage owner-occupied loans: | Doubtful
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	0	0
Total	0	0
Commercial | Commercial mortgage nonowner-occupied loans:
Financing Receivable, Modifications
Year One	802	1,078
Year Two	778	992
Year Three	828	269
Year Four	175	350
Year Five	263	293
Prior	410	247
Revolving and Other Loans	2,967	2,847
Total	6,223	6,076
Commercial | Commercial mortgage nonowner-occupied loans: | Pass
Financing Receivable, Modifications
Year One	710	886
Year Two	751	825
Year Three	769	261
Year Four	170	348
Year Five	263	293
Prior	408	243
Revolving and Other Loans	2,698	2,724
Total	5,769	5,580
Commercial | Commercial mortgage nonowner-occupied loans: | Special mention
Financing Receivable, Modifications
Year One	54	111
Year Two	0	166
Year Three	50	0
Year Four	5	2
Year Five	0	0
Prior	0	2
Revolving and Other Loans	150	81
Total	259	362
Commercial | Commercial mortgage nonowner-occupied loans: | Substandard
Financing Receivable, Modifications
Year One	38	81
Year Two	27	1
Year Three	9	8
Year Four	0	0
Year Five	0	0
Prior	2	2
Revolving and Other Loans	119	42
Total	195	134
Commercial | Commercial mortgage nonowner-occupied loans: | Doubtful
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	0	0
Total	0	0
Commercial | Commercial construction loans
Financing Receivable, Modifications
Year One	4	232
Year Two	21	36
Year Three	0	78
Year Four	29	41
Year Five	0	70
Prior	0	6
Revolving and Other Loans	5,534	5,158
Total	5,588	5,621
Commercial | Commercial construction loans | Pass
Financing Receivable, Modifications
Year One	4	171
Year Two	21	36
Year Three	0	45
Year Four	29	41
Year Five	0	70
Prior	0	6
Revolving and Other Loans	4,565	4,818
Total	4,619	5,187
Commercial | Commercial construction loans | Special mention
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	756	199
Total	756	199
Commercial | Commercial construction loans | Substandard
Financing Receivable, Modifications
Year One	0	61
Year Two	0	0
Year Three	0	33
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	213	141
Total	213	235
Commercial | Commercial construction loans | Doubtful
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	0	0
Total	0	0
Commercial | Commercial leases
Financing Receivable, Modifications
Year One	1,536	619
Year Two	350	409
Year Three	295	475
Year Four	318	210
Year Five	142	158
Prior	547	708
Revolving and Other Loans	0	0
Total	3,188	2,579
Commercial | Commercial leases | Pass
Financing Receivable, Modifications
Year One	1,532	598
Year Two	335	386
Year Three	281	462
Year Four	311	202
Year Five	137	145
Prior	517	664
Revolving and Other Loans	0	0
Total	3,113	2,457
Commercial | Commercial leases | Special mention
Financing Receivable, Modifications
Year One	4	1
Year Two	4	9
Year Three	2	12
Year Four	3	3
Year Five	2	8
Prior	4	14
Revolving and Other Loans	0	0
Total	19	47
Commercial | Commercial leases | Substandard
Financing Receivable, Modifications
Year One	0	20
Year Two	11	14
Year Three	12	1
Year Four	4	5
Year Five	3	5
Prior	26	30
Revolving and Other Loans	0	0
Total	56	75
Commercial | Commercial leases | Doubtful
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	0	0
Total	$ 0	$ 0

Credit Quality and the Allowa_6

Credit Quality and the Allowance for Loan and Lease Losses - Summary of Gross Charge-Offs Within the Commercial Portfolio Segments, by Class and Vintage (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Modifications
Total	$ 686	$ 522	$ 362
Commercial
Financing Receivable, Modifications
Year One	1	25
Year Two	7	7
Year Three	17	12
Year Four	1	1
Year Five	1	0
Prior	2	11
Revolving Loans	238	114
Total	267	170	$ 131
Commercial | Commercial and industrial loans
Financing Receivable, Modifications
Year One	1	25
Year Two	6	7
Year Three	17	12
Year Four	1	1
Year Five	1	0
Prior	0	11
Revolving Loans	238	112
Total	264	168
Commercial | Commercial mortgage owner-occupied loans:
Financing Receivable, Modifications
Year One	0	0
Year Two	1	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving Loans	0	1
Total	1	1
Commercial | Commercial construction loans
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving Loans	0	1
Total	0	1
Commercial | Commercial leases
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	2	0
Revolving Loans	0	0
Total	$ 2	$ 0

Credit Quality and the Allowa_7

Credit Quality and the Allowance for Loan and Lease Losses - Summary of Recorded Investment in Portfolio Loans and Leases by Age and Class (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	$ 119,791	$ 117,234
Commercial
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	73,293	72,746
90 Days Past Due and Still Accruing	6	8
Commercial | Current
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	73,047	72,547
Commercial | Total Past Due
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	246	199
Commercial | 30-89 Days
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	155	93
Commercial | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	91	106
Commercial | Commercial and industrial loans
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	52,271	53,270
90 Days Past Due and Still Accruing	5	8
Commercial | Commercial and industrial loans | Current
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	52,098	53,107
Commercial | Commercial and industrial loans | Total Past Due
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	173	163
Commercial | Commercial and industrial loans | 30-89 Days
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	90	61
Commercial | Commercial and industrial loans | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	83	102
Commercial | Commercial mortgage owner-occupied loans:
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	6,023	5,200
90 Days Past Due and Still Accruing	0	0
Commercial | Commercial mortgage owner-occupied loans: | Current
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	5,980	5,196
Commercial | Commercial mortgage owner-occupied loans: | Total Past Due
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	43	4
Commercial | Commercial mortgage owner-occupied loans: | 30-89 Days
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	40	1
Commercial | Commercial mortgage owner-occupied loans: | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	3	3
Commercial | Commercial mortgage nonowner-occupied loans:
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	6,223	6,076
90 Days Past Due and Still Accruing	0	0
Commercial | Commercial mortgage nonowner-occupied loans: | Current
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	6,215	6,061
Commercial | Commercial mortgage nonowner-occupied loans: | Total Past Due
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	8	15
Commercial | Commercial mortgage nonowner-occupied loans: | 30-89 Days
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	6	14
Commercial | Commercial mortgage nonowner-occupied loans: | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	2	1
Commercial | Commercial construction loans
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	5,588	5,621
90 Days Past Due and Still Accruing	0	0
Commercial | Commercial construction loans | Current
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	5,587	5,621
Commercial | Commercial construction loans | Total Past Due
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	1	0
Commercial | Commercial construction loans | 30-89 Days
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	1	0
Commercial | Commercial construction loans | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	0	0
Commercial | Commercial leases
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	3,188	2,579
90 Days Past Due and Still Accruing	1	0
Commercial | Commercial leases | Current
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	3,167	2,562
Commercial | Commercial leases | Total Past Due
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	21	17
Commercial | Commercial leases | 30-89 Days
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	18	17
Commercial | Commercial leases | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Loans and Leases	$ 3	$ 0

Credit Quality and the Allowa_8

Credit Quality and the Allowance for Loan and Lease Losses - Summary of the Credit Risk Profile of the Bancorp's Residential Mortgage and Consumer Portfolio Segments by Class (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Modifications
Total	$ 119,791	$ 117,234
Residential Mortgage
Financing Receivable, Modifications
Loans measured at FV	108	116
Residential Mortgage | Federal Housing Administration Loan
Financing Receivable, Modifications
Losses due to claim denials and curtailments	1	2
Residential Mortgage | 30-89 days past due
Financing Receivable, Modifications
Loans measured at FV	1	1
Residential Mortgage | 30-89 days past due | Federal Housing Administration Loan
Financing Receivable, Modifications
Total	90	79
Residential Mortgage | 90 days or more past due
Financing Receivable, Modifications
Loans measured at FV	1
Residential Mortgage | 90 days or more past due | Federal Housing Administration Loan
Financing Receivable, Modifications
Total	162	141
Residential Mortgage | Nonperforming
Financing Receivable, Modifications
Loans measured at FV	2	2
Residential Mortgage | Residential mortgage loans
Financing Receivable, Modifications
Year One	1,963	995
Year Two	1,003	3,149
Year Three	2,975	5,014
Year Four	4,629	2,714
Year Five	2,503	949
Prior	4,362	4,089
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	17,435	16,910
Residential Mortgage | Residential mortgage loans | Performing | Current
Financing Receivable, Modifications
Year One	1,961	995
Year Two	998	3,139
Year Three	2,961	5,001
Year Four	4,606	2,703
Year Five	2,491	943
Prior	4,245	3,971
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	17,262	16,752
Residential Mortgage | Residential mortgage loans | Performing | 30-89 days past due
Financing Receivable, Modifications
Year One	1	0
Year Two	3	3
Year Three	4	6
Year Four	9	5
Year Five	4	1
Prior	12	14
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	33	29
Residential Mortgage | Residential mortgage loans | Performing | 90 days or more past due
Financing Receivable, Modifications
Year One	1	0
Year Two	0	1
Year Three	1	1
Year Four	1	1
Year Five	0	1
Prior	2	3
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	5	7
Residential Mortgage | Residential mortgage loans | Nonperforming
Financing Receivable, Modifications
Year One	0	0
Year Two	2	6
Year Three	9	6
Year Four	13	5
Year Five	8	4
Prior	103	101
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	135	122
Consumer
Financing Receivable, Modifications
Total	46,498	44,488
Consumer | Residential mortgage loans
Financing Receivable, Modifications
Total	17,543	17,026
Consumer | Home equity
Financing Receivable, Modifications
Year One	168	84
Year Two	67	41
Year Three	35	2
Year Four	2	6
Year Five	4	11
Prior	94	100
Revolving and Other Loans	3,739	3,624
Revolving Loans Converted to Term Loans	79	48
Total	4,188	3,916
Consumer | Home equity | Performing | Current
Financing Receivable, Modifications
Year One	168	84
Year Two	67	41
Year Three	34	2
Year Four	2	6
Year Five	4	11
Prior	86	92
Revolving and Other Loans	3,660	3,549
Revolving Loans Converted to Term Loans	72	46
Total	4,093	3,831
Consumer | Home equity | Performing | 30-89 days past due
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	1	2
Revolving and Other Loans	23	25
Revolving Loans Converted to Term Loans	1	1
Total	25	28
Consumer | Home equity | Performing | 90 days or more past due
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	0	0
Consumer | Home equity | Nonperforming
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	1	0
Year Four	0	0
Year Five	0	0
Prior	7	6
Revolving and Other Loans	56	50
Revolving Loans Converted to Term Loans	6	1
Total	70	57
Consumer | Indirect secured consumer loans
Financing Receivable, Modifications
Year One	6,796	4,152
Year Two	2,873	4,393
Year Three	3,104	3,974
Year Four	2,411	1,552
Year Five	769	612
Prior	360	282
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	16,313	14,965
Consumer | Indirect secured consumer loans | Performing | Current
Financing Receivable, Modifications
Year One	6,773	4,126
Year Two	2,836	4,333
Year Three	3,046	3,925
Year Four	2,371	1,527
Year Five	753	597
Prior	349	271
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	16,128	14,779
Consumer | Indirect secured consumer loans | Performing | 30-89 days past due
Financing Receivable, Modifications
Year One	19	22
Year Two	27	49
Year Three	39	40
Year Four	27	19
Year Five	11	12
Prior	7	8
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	130	150
Consumer | Indirect secured consumer loans | Performing | 90 days or more past due
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	0	0
Consumer | Indirect secured consumer loans | Nonperforming
Financing Receivable, Modifications
Year One	4	4
Year Two	10	11
Year Three	19	9
Year Four	13	6
Year Five	5	3
Prior	4	3
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	55	36
Consumer | Credit card
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	1,734	1,865
Revolving Loans Converted to Term Loans	0	0
Total	1,734	1,865
Consumer | Credit card | Performing | Current
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	1,664	1,789
Revolving Loans Converted to Term Loans	0	0
Total	1,664	1,789
Consumer | Credit card | Performing | 30-89 days past due
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	18	21
Revolving Loans Converted to Term Loans	0	0
Total	18	21
Consumer | Credit card | Performing | 90 days or more past due
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	20	21
Revolving Loans Converted to Term Loans	0	0
Total	20	21
Consumer | Credit card | Nonperforming
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	32	34
Revolving Loans Converted to Term Loans	0	0
Total	32	34
Consumer | Solar energy installation loans
Financing Receivable, Modifications
Year One	897	2,456
Year Two	2,140	1,228
Year Three	1,129	2
Year Four	2	0
Year Five	0	0
Prior	34	42
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	4,202	3,728
Consumer | Solar energy installation loans | Performing | Current
Financing Receivable, Modifications
Year One	894	2,415
Year Two	2,095	1,192
Year Three	1,094	2
Year Four	2	0
Year Five	0	0
Prior	33	41
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	4,118	3,650
Consumer | Solar energy installation loans | Performing | 30-89 days past due
Financing Receivable, Modifications
Year One	2	12
Year Two	11	6
Year Three	7	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	20	18
Consumer | Solar energy installation loans | Performing | 90 days or more past due
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	0	0
Consumer | Solar energy installation loans | Nonperforming
Financing Receivable, Modifications
Year One	1	29
Year Two	34	30
Year Three	28	0
Year Four	0	0
Year Five	0	0
Prior	1	1
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	64	60
Consumer | Other consumer loans
Financing Receivable, Modifications
Year One	202	518
Year Two	358	724
Year Three	521	333
Year Four	223	249
Year Five	172	104
Prior	145	156
Revolving and Other Loans	861	861
Revolving Loans Converted to Term Loans	36	43
Total	2,518	2,988
Consumer | Other consumer loans | Performing | Current
Financing Receivable, Modifications
Year One	201	511
Year Two	351	703
Year Three	507	328
Year Four	219	246
Year Five	171	101
Prior	142	154
Revolving and Other Loans	860	859
Revolving Loans Converted to Term Loans	34	41
Total	2,485	2,943
Consumer | Other consumer loans | Performing | 30-89 days past due
Financing Receivable, Modifications
Year One	1	5
Year Two	5	15
Year Three	10	4
Year Four	3	2
Year Five	1	2
Prior	2	2
Revolving and Other Loans	1	2
Revolving Loans Converted to Term Loans	1	1
Total	24	33
Consumer | Other consumer loans | Performing | 90 days or more past due
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	0	0
Consumer | Other consumer loans | Nonperforming
Financing Receivable, Modifications
Year One	0	2
Year Two	2	6
Year Three	4	1
Year Four	1	1
Year Five	0	1
Prior	1	0
Revolving and Other Loans	0	0
Revolving Loans Converted to Term Loans	1	1
Total	9	12
Residential Mortgage and Consumer
Financing Receivable, Modifications
Year One	10,026	8,205
Year Two	6,441	9,535
Year Three	7,764	9,325
Year Four	7,267	4,521
Year Five	3,448	1,676
Prior	4,995	4,669
Revolving and Other Loans	6,334	6,350
Revolving Loans Converted to Term Loans	115	91
Total	46,390	44,372
Residential Mortgage and Consumer | Performing | Current
Financing Receivable, Modifications
Year One	9,997	8,131
Year Two	6,347	9,408
Year Three	7,642	9,258
Year Four	7,200	4,482
Year Five	3,419	1,652
Prior	4,855	4,529
Revolving and Other Loans	6,184	6,197
Revolving Loans Converted to Term Loans	106	87
Total	45,750	43,744
Residential Mortgage and Consumer | Performing | 30-89 days past due
Financing Receivable, Modifications
Year One	23	39
Year Two	46	73
Year Three	60	50
Year Four	39	26
Year Five	16	15
Prior	22	26
Revolving and Other Loans	42	48
Revolving Loans Converted to Term Loans	2	2
Total	250	279
Residential Mortgage and Consumer | Performing | 90 days or more past due
Financing Receivable, Modifications
Year One	1	0
Year Two	0	1
Year Three	1	1
Year Four	1	1
Year Five	0	1
Prior	2	3
Revolving and Other Loans	20	21
Revolving Loans Converted to Term Loans	0	0
Total	25	28
Residential Mortgage and Consumer | Nonperforming
Financing Receivable, Modifications
Year One	5	35
Year Two	48	53
Year Three	61	16
Year Four	27	12
Year Five	13	8
Prior	116	111
Revolving and Other Loans	88	84
Revolving Loans Converted to Term Loans	7	2
Total	$ 365	$ 321

Credit Quality and the Allowa_9

Credit Quality and the Allowance for Loan and Lease Losses - Summary of Gross Charge-Offs Within the Residential Mortgage and Consumer Portfolio Segments, by Class and Vintage (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Modifications
Total	$ 686	$ 522	$ 362
Residential Mortgage
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	2	4
Revolving Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	2	4	3
Consumer
Financing Receivable, Modifications
Total	417	348	$ 228
Consumer | Home equity
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	1	1
Revolving Loans	5	7
Revolving Loans Converted to Term Loans	0	0
Total	6	8
Consumer | Indirect secured consumer loans
Financing Receivable, Modifications
Year One	7	9
Year Two	35	42
Year Three	53	27
Year Four	25	14
Year Five	9	10
Prior	10	8
Revolving Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	139	110
Consumer | Credit card
Financing Receivable, Modifications
Year One	0	0
Year Two	0	0
Year Three	0	0
Year Four	0	0
Year Five	0	0
Prior	0	0
Revolving Loans	87	82
Revolving Loans Converted to Term Loans	0	0
Total	87	82
Consumer | Solar energy installation loans
Financing Receivable, Modifications
Year One	2	8
Year Two	16	16
Year Three	13	1
Year Four	0	0
Year Five	14	0
Prior	18	2
Revolving Loans	0	0
Revolving Loans Converted to Term Loans	0	0
Total	63	27
Consumer | Other consumer loans
Financing Receivable, Modifications
Year One	1	7
Year Two	12	37
Year Three	24	14
Year Four	12	12
Year Five	20	7
Prior	16	8
Revolving Loans	34	34
Revolving Loans Converted to Term Loans	3	2
Total	122	121
Consumer and residential mortgage loans
Financing Receivable, Modifications
Year One	10	24
Year Two	63	95
Year Three	90	42
Year Four	37	26
Year Five	43	17
Prior	47	23
Revolving Loans	126	123
Revolving Loans Converted to Term Loans	3	2
Total	$ 419	$ 352

Credit Quality and the Allow_10

Credit Quality and the Allowance for Loan and Lease Losses - Summary of the Amortized Cost Basis of the Bancorp's Collateral Dependent Loans (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Impaired
Total portfolio loans and leases	$ 622	$ 474
Commercial
Financing Receivable, Impaired
Loans and leases receivable, allowance for amortized cost basis	395	279
Commercial | Commercial and industrial loans
Financing Receivable, Impaired
Loans and leases receivable, allowance for amortized cost basis	325	268
Commercial | Commercial mortgage owner-occupied loans:
Financing Receivable, Impaired
Loans and leases receivable, allowance for amortized cost basis	63	8
Commercial | Commercial mortgage nonowner-occupied loans:
Financing Receivable, Impaired
Loans and leases receivable, allowance for amortized cost basis	4	2
Commercial | Commercial construction loans
Financing Receivable, Impaired
Loans and leases receivable, allowance for amortized cost basis	1	1
Commercial | Commercial leases
Financing Receivable, Impaired
Loans and leases receivable, allowance for amortized cost basis	2	0
Residential Mortgage
Financing Receivable, Impaired
Loans and leases receivable, allowance for amortized cost basis	131	126
Consumer
Financing Receivable, Impaired
Loans and leases receivable, allowance for amortized cost basis	96	69
Consumer | Home equity
Financing Receivable, Impaired
Loans and leases receivable, allowance for amortized cost basis	66	54
Consumer | Indirect secured consumer loans
Financing Receivable, Impaired
Loans and leases receivable, allowance for amortized cost basis	$ 30	$ 15

Credit Quality and the Allow_11

Credit Quality and the Allowance for Loan and Lease Losses - Summary of the Bancorp's Nonaccrual Loans and Leases by Class (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Modifications
With an ALLL	$ 550	$ 469
No Related ALLL	303	219
Total	853	688
Loans and leases held for sale	640	378
Financing receivable, excluding accrued interest, modified in period, amount	552	615
Nonperforming
Financing Receivable, Modifications
Loans and leases held for sale	7	1
Nonperforming | Government Insured
Financing Receivable, Modifications
Total	18	19
Commercial
Financing Receivable, Modifications
With an ALLL	319	284
No Related ALLL	137	42
Total	456	326
Financing receivable, excluding accrued interest, modified in period, amount	424	453
Commercial | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	33	31
Commercial | Commercial and industrial loans
Financing Receivable, Modifications
With an ALLL	265	273
No Related ALLL	109	31
Total	374	304
Loans and leases held for sale	15	41
Financing receivable, excluding accrued interest, modified in period, amount	232	245
Commercial | Commercial and industrial loans | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	19	31
Commercial | Commercial mortgage owner-occupied loans:
Financing Receivable, Modifications
With an ALLL	52	11
No Related ALLL	23	6
Total	75	17
Financing receivable, excluding accrued interest, modified in period, amount	61	27
Commercial | Commercial mortgage owner-occupied loans: | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	14	0
Commercial | Commercial mortgage nonowner-occupied loans:
Financing Receivable, Modifications
With an ALLL	0	0
No Related ALLL	4	3
Total	4	3
Financing receivable, excluding accrued interest, modified in period, amount	72	68
Commercial | Commercial mortgage nonowner-occupied loans: | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial | Commercial construction loans
Financing Receivable, Modifications
With an ALLL	0	0
No Related ALLL	1	1
Total	1	1
Loans and leases held for sale	29	0
Financing receivable, excluding accrued interest, modified in period, amount	59	113
Commercial | Commercial construction loans | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial | Commercial leases
Financing Receivable, Modifications
With an ALLL	2	0
No Related ALLL	0	1
Total	2	1
Loans and leases held for sale	0	3
Residential Mortgage
Financing Receivable, Modifications
With an ALLL	57	26
No Related ALLL	80	98
Total	137	124
Financing receivable, excluding accrued interest, modified in period, amount	89	113
Residential Mortgage | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	72	91
Consumer
Financing Receivable, Modifications
With an ALLL	174	159
No Related ALLL	56	40
Total	230	199
Financing receivable, excluding accrued interest, modified in period, amount	39	49
Consumer | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	2	2
Consumer | Home equity
Financing Receivable, Modifications
With an ALLL	21	21
No Related ALLL	49	36
Total	70	57
Financing receivable, excluding accrued interest, modified in period, amount	15	16
Consumer | Home equity | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	2	2
Consumer | Indirect secured consumer loans
Financing Receivable, Modifications
With an ALLL	48	32
No Related ALLL	7	4
Total	55	36
Consumer | Credit card
Financing Receivable, Modifications
With an ALLL	32	34
No Related ALLL	0	0
Total	32	34
Financing receivable, excluding accrued interest, modified in period, amount	20	27
Consumer | Credit card | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Solar energy installation loans
Financing Receivable, Modifications
With an ALLL	64	60
No Related ALLL	0	0
Total	64	60
Financing receivable, excluding accrued interest, modified in period, amount	1	1
Consumer | Solar energy installation loans | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Other consumer loans
Financing Receivable, Modifications
With an ALLL	9	12
No Related ALLL	0	0
Total	9	12
Financing receivable, excluding accrued interest, modified in period, amount	3	5
Consumer | Other consumer loans | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Nonaccrual Portfolio Loans and Leases
Financing Receivable, Modifications
With an ALLL	550	469
No Related ALLL	273	180
Total	823	649
OREO and Other Repossessed Assets
Financing Receivable, Modifications
With an ALLL	0	0
No Related ALLL	30	39
Total	$ 30	$ 39

Credit Quality and the Allow_12

Credit Quality and the Allowance for Loan and Lease Losses - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans in process of foreclosure amount	$ 94	$ 107
Financing receivable, excluding accrued interest, modified in period, amount	$ 552	$ 615
Loan modification program, percentage of modifications to total portfolio	0.46%	0.52%
Loan modification program, loans excluded from modification program	$ 52	$ 29
Unfunded commitment amounts	88	130
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 424	$ 453
Loan modification program, percentage of modifications to total portfolio	0.60%	0.62%
Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 89	$ 113
Loan modification program, percentage of modifications to total portfolio	0.51%	0.66%
Modification program option, mortgage term	480 months
Modification program option, in-process modifications	$ 5	$ 3
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 39	$ 49
Loan modification program, percentage of modifications to total portfolio	0.13%	0.18%
Consumer | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 15	$ 16
Loan modification program, percentage of modifications to total portfolio	0.36%	0.41%
Modification program option, mortgage term	360 months
Minimum | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term extension period	3 months
Minimum | Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Modification program option, trial period	6 months
Modification program option, mortgage interest payment deferral, term	3 months
Maximum | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term extension period	12 months
Maximum | Residential Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Modification program option, trial period	12 months
Modification program option, mortgage interest payment deferral, term	4 months

Credit Quality and the Allow_13

Credit Quality and the Allowance for Loan and Lease Losses - Summary of Amortized Cost Basis of Loans Modified for Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 552	$ 615
% of Total Class	0.46%	0.52%
Commercial
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 424	$ 453
% of Total Class	0.60%	0.62%
Commercial | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 58	$ 56
Commercial | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	33	31
Commercial | Term Extension
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	331	361
Commercial | Other
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	2	5
Commercial | Commercial and industrial loans
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 232	$ 245
% of Total Class	0.44%	0.46%
Commercial | Commercial and industrial loans | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 57	$ 56
Commercial | Commercial and industrial loans | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	19	31
Commercial | Commercial and industrial loans | Term Extension
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	155	155
Commercial | Commercial and industrial loans | Other
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	1	3
Commercial | Commercial mortgage owner-occupied loans:
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 61	$ 27
% of Total Class	1.01%	0.52%
Commercial | Commercial mortgage owner-occupied loans: | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 1	$ 0
Commercial | Commercial mortgage owner-occupied loans: | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	14	0
Commercial | Commercial mortgage owner-occupied loans: | Term Extension
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	46	27
Commercial | Commercial mortgage owner-occupied loans: | Other
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial | Commercial mortgage nonowner-occupied loans:
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 72	$ 68
% of Total Class	1.16%	1.12%
Commercial | Commercial mortgage nonowner-occupied loans: | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 0	$ 0
Commercial | Commercial mortgage nonowner-occupied loans: | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial | Commercial mortgage nonowner-occupied loans: | Term Extension
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	72	66
Commercial | Commercial mortgage nonowner-occupied loans: | Other
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	2
Commercial | Commercial construction loans
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 59	$ 113
% of Total Class	1.06%	2.01%
Commercial | Commercial construction loans | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 0	$ 0
Commercial | Commercial construction loans | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial | Commercial construction loans | Term Extension
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	58	113
Commercial | Commercial construction loans | Other
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	1	0
Residential Mortgage
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 89	$ 113
% of Total Class	0.51%	0.66%
Residential Mortgage | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 5	$ 18
% of Total Class	0.03%	0.11%
Residential Mortgage | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 72	$ 91
% of Total Class	0.41%	0.53%
Residential Mortgage | Term extension, interest rate reduction and payment delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 12	$ 4
% of Total Class	0.07%	0.02%
Consumer
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 39	$ 49
% of Total Class	0.13%	0.18%
Consumer | Interest Rate Reduction
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 24	$ 31
Consumer | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	4	7
Consumer | Interest Rate Reduction and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	1
Consumer | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	2	2
Consumer | Term extension, interest rate reduction and payment delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	9	8
Consumer | Home equity
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 15	$ 16
% of Total Class	0.36%	0.41%
Consumer | Home equity | Interest Rate Reduction
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 4	$ 4
Consumer | Home equity | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	1
Consumer | Home equity | Interest Rate Reduction and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	1
Consumer | Home equity | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	2	2
Consumer | Home equity | Term extension, interest rate reduction and payment delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	9	8
Consumer | Credit card
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 20	$ 27
% of Total Class	1.15%	1.45%
Consumer | Credit card | Interest Rate Reduction
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 20	$ 27
Consumer | Credit card | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Credit card | Interest Rate Reduction and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Credit card | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Credit card | Term extension, interest rate reduction and payment delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Solar energy installation loans
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 1	$ 1
% of Total Class	0.02%	0.03%
Consumer | Solar energy installation loans | Interest Rate Reduction
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 0	$ 0
Consumer | Solar energy installation loans | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	1	1
Consumer | Solar energy installation loans | Interest Rate Reduction and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Solar energy installation loans | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Solar energy installation loans | Term extension, interest rate reduction and payment delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Other consumer loans
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 3	$ 5
% of Total Class	0.12%	0.17%
Consumer | Other consumer loans | Interest Rate Reduction
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 0	$ 0
Consumer | Other consumer loans | Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	3	5
Consumer | Other consumer loans | Interest Rate Reduction and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Other consumer loans | Term Extension and Payment Delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Consumer | Other consumer loans | Term extension, interest rate reduction and payment delay
Financing Receivable, Modifications
Financing receivable, excluding accrued interest, modified in period, amount	$ 0	$ 0

Credit Quality and the Allow_14

Credit Quality and the Allowance for Loan and Lease Losses - Summary of Financial Impacts of Loans That Were Modified for Borrowers Experiencing Financial Difficulty (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Commercial | Commercial and industrial loans
Financing Receivable, Modifications
Weighted-average length of term extensions	9 months	11 months
Weighted-average length of payment delay	15 months	23 months
Commercial | Commercial mortgage owner-occupied loans:
Financing Receivable, Modifications
Weighted-average length of term extensions	10 months	15 months
Weighted-average length of payment delay	15 months
Commercial | Commercial mortgage nonowner-occupied loans:
Financing Receivable, Modifications
Weighted-average length of term extensions	20 months	16 months
Commercial | Commercial construction loans
Financing Receivable, Modifications
Weighted-average length of term extensions	12 months	12 months
Residential Mortgage
Financing Receivable, Modifications
Weighted-average length of term extensions	10 years 4 months 24 days	12 years 10 months 24 days
Financing receivable, modified, payment deferral, percentage of related loan balance	13%	17%
Consumer | Home equity
Financing Receivable, Modifications
Weighted-average length of term extensions	22 years 9 months 18 days	24 years 2 months 12 days
Financing receivable, modified, payment deferral, percentage of related loan balance	5%	5%
Weighted-average interest rate, before modification	9.20%	8.70%
Weighted-average interest rate, after modification	7.20%	7%
Consumer | Credit card
Financing Receivable, Modifications
Weighted-average interest rate, before modification	23.90%	23.70%
Weighted-average interest rate, after modification	4.10%	3.90%

Credit Quality and the Allow_15

Credit Quality and the Allowance for Loan and Lease Losses - Summary of Loans That Were Modified for Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	$ 552	$ 615
Current
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	462	516
30-89 days past due
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	41	31
90 Days or More
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	49	68
Commercial | Commercial and industrial loans
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	232	245
Commercial | Commercial and industrial loans | Current
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	182	184
Commercial | Commercial and industrial loans | 30-89 days past due
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	22	9
Commercial | Commercial and industrial loans | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	28	52
Commercial | Commercial mortgage owner-occupied loans:
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	61	27
Commercial | Commercial mortgage owner-occupied loans: | Current
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	61	26
Commercial | Commercial mortgage owner-occupied loans: | 30-89 days past due
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	0	0
Commercial | Commercial mortgage owner-occupied loans: | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	0	1
Commercial | Commercial mortgage nonowner-occupied loans:
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	72	68
Commercial | Commercial mortgage nonowner-occupied loans: | Current
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	72	68
Commercial | Commercial mortgage nonowner-occupied loans: | 30-89 days past due
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	0	0
Commercial | Commercial mortgage nonowner-occupied loans: | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	0	0
Commercial | Commercial construction loans
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	59	113
Commercial | Commercial construction loans | Current
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	59	113
Commercial | Commercial construction loans | 30-89 days past due
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	0	0
Commercial | Commercial construction loans | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	0	0
Residential Mortgage
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	89	113
Residential Mortgage | Current
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	56	86
Residential Mortgage | 30-89 days past due
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	15	15
Residential Mortgage | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	18	12
Consumer | Home equity
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	15	16
Consumer | Home equity | Current
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	13	14
Consumer | Home equity | 30-89 days past due
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	1	2
Consumer | Home equity | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	1	0
Consumer | Credit card
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	20	27
Consumer | Credit card | Current
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	15	19
Consumer | Credit card | 30-89 days past due
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	3	5
Consumer | Credit card | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	2	3
Consumer | Solar energy installation loans
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	1	1
Consumer | Solar energy installation loans | Current
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	1	1
Consumer | Solar energy installation loans | 30-89 days past due
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	0	0
Consumer | Solar energy installation loans | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	0	0
Consumer | Other consumer loans
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	3	5
Consumer | Other consumer loans | Current
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	3	5
Consumer | Other consumer loans | 30-89 days past due
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	0	0
Consumer | Other consumer loans | 90 Days or More
Financing Receivable, Recorded Investment, Past Due
Financing receivable, excluding accrued interest, modified, after 12 months	$ 0	$ 0

Credit Quality and the Allow_16

Credit Quality and the Allowance for Loan and Lease Losses - Summary of Amortized Cost Basis of Modifications to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	$ 86	$ 77
Term Extension
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	14	52
Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	10	11
Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	16	2
Term Extension and Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	1	0
Term Extension and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	38	11
Term Extension, Interest Rate Reduction and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	7	1
Commercial | Commercial and industrial loans
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	36	51
Commercial | Commercial and industrial loans | Term Extension
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	14	51
Commercial | Commercial and industrial loans | Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Commercial | Commercial and industrial loans | Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	13	0
Commercial | Commercial and industrial loans | Term Extension and Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	1	0
Commercial | Commercial and industrial loans | Term Extension and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	8	0
Commercial | Commercial and industrial loans | Term Extension, Interest Rate Reduction and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Commercial | Commercial mortgage owner-occupied loans:
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	1
Commercial | Commercial mortgage owner-occupied loans: | Term Extension
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	1
Commercial | Commercial mortgage owner-occupied loans: | Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Commercial | Commercial mortgage owner-occupied loans: | Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Commercial | Commercial mortgage owner-occupied loans: | Term Extension and Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Commercial | Commercial mortgage owner-occupied loans: | Term Extension and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Commercial | Commercial mortgage owner-occupied loans: | Term Extension, Interest Rate Reduction and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Residential Mortgage
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	38	14
Residential Mortgage | Term Extension
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Residential Mortgage | Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Residential Mortgage | Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	3	2
Residential Mortgage | Term Extension and Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Residential Mortgage | Term Extension and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	29	11
Residential Mortgage | Term Extension, Interest Rate Reduction and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	6	1
Consumer | Home equity
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	3	1
Consumer | Home equity | Term Extension
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Consumer | Home equity | Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	1	1
Consumer | Home equity | Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Consumer | Home equity | Term Extension and Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Consumer | Home equity | Term Extension and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	1	0
Consumer | Home equity | Term Extension, Interest Rate Reduction and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	1	0
Consumer | Credit card
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	9	10
Consumer | Credit card | Term Extension
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Consumer | Credit card | Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	9	10
Consumer | Credit card | Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Consumer | Credit card | Term Extension and Interest Rate Reduction
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Consumer | Credit card | Term Extension and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	0	0
Consumer | Credit card | Term Extension, Interest Rate Reduction and Payment Delay
Financing Receivable, Allowance for Credit Losses
Amortized cost basis of the modifications to borrowers experiencing financial difficulty	$ 0	$ 0

Bank Premises and Equipment - S

Bank Premises and Equipment - Summary of Bank Premises and Equipment (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Line Items]
Accumulated depreciation and amortization	$ (3,674)	$ (3,473)
Total bank premises and equipment	2,475	2,349
Equipment
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 2,769	2,578
Equipment | Minimum
Property, Plant and Equipment [Line Items]
Estimated Useful Life	1 year
Equipment | Maximum
Property, Plant and Equipment [Line Items]
Estimated Useful Life	20 years
Buildings
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 1,784	1,742
Buildings | Minimum
Property, Plant and Equipment [Line Items]
Estimated Useful Life	1 year
Buildings | Maximum
Property, Plant and Equipment [Line Items]
Estimated Useful Life	30 years
Leasehold improvements
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 760	685
Leasehold improvements | Minimum
Property, Plant and Equipment [Line Items]
Estimated Useful Life	1 year
Leasehold improvements | Maximum
Property, Plant and Equipment [Line Items]
Estimated Useful Life	30 years
Land and and improvements
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 623	618
Construction in progress
Property, Plant and Equipment [Line Items]
Property and equipment, gross	199	180
Land and improvements held for sale
Property, Plant and Equipment [Line Items]
Property and equipment, gross	10	15
Buildings held for sale
Property, Plant and Equipment [Line Items]
Property and equipment, gross	4	4
Other property
Property, Plant and Equipment [Line Items]
Land improvements	$ 1	$ 9

Bank Premises and Equipment - A

Bank Premises and Equipment - Additional Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($) banking_location	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Property, Plant and Equipment [Line Items]
Depreciation and amortization expense	$ 306	$ 292	$ 273
Impairment losses on bank premises	$ 1	2	$ 9
Closed In 2024
Property, Plant and Equipment [Line Items]
Number of branches held for sale | banking_location	32
Land and improvements held for sale
Property, Plant and Equipment [Line Items]
Impairment losses on bank premises		$ 8

Operating Lease Equipment - Add

Operating Lease Equipment - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating lease equipment	$ 319	$ 459
Accumulated depreciation	333	355
Operating lease income	$ 100	$ 135	$ 146
Operating Lease, Lease Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Commercial banking revenue	Commercial banking revenue	Commercial banking revenue
Depreciation expense	$ 81	$ 110	$ 121
Operating lease payments received	101	140	147
Impairment losses of operating lease equipment	$ 0	$ 0	$ 2

Operating Lease Equipment - Fut

Operating Lease Equipment - Future Lease Payments Receivable (Details) $ in Millions	Dec. 31, 2024 USD ($)
Leases [Abstract]
2025	$ 73
2026	47
2027	25
2028	11
2029	6
Thereafter	9
Total operating lease payments	$ 171

Lease Obligations - Lessee - Le

Lease Obligations - Lessee - Lease Assets and Lease Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Leases [Abstract]
Operating lease ROU assets	$ 526	$ 511
Finance lease ROU assets	146	126
Total right-of-use assets	672	637
Operating lease liabilities	606	601
Finance lease liabilities	161	134
Total lease liabilities	767	735
Operating lease right of use asset, accumulated amortization	328	292
Finance lease right of use asset, accumulated amortization	$ 54	$ 77
Operating lease right-of-use assets [Extensible List]	Other assets	Other assets
Finance lease, right-of-use assets [Extensible List]	Bank premises and equipment	Bank premises and equipment
Operating lease liabilities [Extensible List]	Accrued Liabilities [Member]	Accrued Liabilities [Member]
Finance lease liabilities [Extensible List]	Long-term debt	Long-term debt

Lease Obligations - Lessee - _2

Lease Obligations - Lessee - Lease Costs (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Lease Cost [Line Items]
Total finance lease costs	$ 27	$ 24	$ 24
Total operating lease costs	117	116	110
Total lease costs	144	140	134
Impairment losses and termination charges	1	2	2
Net occupancy and equipment expense
Lease Cost [Line Items]
Amortization of ROU assets	21	19	19
Interest on long-term debt
Lease Cost [Line Items]
Interest on lease liabilities	6	5	5
Net occupancy expense
Lease Cost [Line Items]
Operating lease cost	89	87	84
Short-term lease cost	1	2	1
Variable lease cost	30	29	28
Sublease income	$ (3)	(2)	(3)
Impairment losses and termination charges		$ 2	$ 2

Lease Obligations - Lessee - Un

Lease Obligations - Lessee - Undiscounted Cash Flows (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Operating Leases
2025	$ 92
2026	86
2027	78
2028	70
2029	60
Thereafter	397
Total undiscounted cash flows	783
Less: Difference between undiscounted cash flows and discounted cash flows	177
Present value of lease liabilities	606	$ 601
Finance Leases
2025	22
2026	22
2027	21
2028	21
2029	11
Thereafter	104
Total undiscounted cash flows	201
Less: Difference between undiscounted cash flows and discounted cash flows	40
Present value of lease liabilities	161	$ 134
Total
2025	114
2026	108
2027	99
2028	91
2029	71
Thereafter	501
Total undiscounted cash flows	984
Less: Difference between undiscounted cash flows and discounted cash flows	217
Present value of lease liabilities	$ 767

Lease Obligations - Lessee - Ot

Lease Obligations - Lessee - Other Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating leases, weighted average remaining lease term	11 years 6 months 25 days	11 years 25 days
Finance leases, weighted average remaining lease term	12 years 7 months 28 days	15 years 2 months 15 days
Operating leases, weighted average discount rate	4.08%	3.72%
Finance leases, weighted average discount rate	3.80%	3.02%
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 95	$ 91	$ 90
Operating cash flows from finance leases	6	5	5
Financing cash flows from finance leases	18	16	23
Gains on sale-leaseback transactions	$ 0	$ 2	$ 4

Goodwill (Details)

Goodwill (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Goodwill
Goodwill			$ 5,880
Accumulated impairment losses			(965)
Goodwill [Roll Forward]
Net carrying value, beginning of period	$ 4,919	$ 4,915
Acquisition activity		4
Sale of business	(1)
Net carrying value, end of period	4,918	4,919
General Corporate and Other
Goodwill
Goodwill			0
Accumulated impairment losses			0
Goodwill [Roll Forward]
Net carrying value, beginning of period	0	0
Acquisition activity		0
Sale of business	0
Net carrying value, end of period	0	0
Commercial Banking | Operating Segments
Goodwill
Goodwill			3,074
Accumulated impairment losses			(750)
Goodwill [Roll Forward]
Net carrying value, beginning of period	2,324	2,324
Acquisition activity		0
Sale of business	0
Net carrying value, end of period	2,324	2,324
Consumer and Small Business Banking | Operating Segments
Goodwill
Goodwill			2,580
Accumulated impairment losses			(215)
Goodwill [Roll Forward]
Net carrying value, beginning of period	2,369	2,365
Acquisition activity		4
Sale of business	0
Net carrying value, end of period	2,369	2,369
Wealth and Asset Management | Operating Segments
Goodwill
Goodwill			226
Accumulated impairment losses			$ 0
Goodwill [Roll Forward]
Net carrying value, beginning of period	226	226
Acquisition activity		0
Sale of business	(1)
Net carrying value, end of period	$ 225	$ 226

Intangible Assets - Schedule of

Intangible Assets - Schedule of Intangible Assets (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Finite-Lived Intangible Assets
Gross Carrying Amount	$ 353	$ 361
Accumulated Amortization	(263)	(236)
Net Carrying Amount	90	125
Total intangible assets	90	125
Core deposit intangibles
Finite-Lived Intangible Assets
Gross Carrying Amount	206	209
Accumulated Amortization	(196)	(184)
Net Carrying Amount	10	25
Developed technology
Finite-Lived Intangible Assets
Gross Carrying Amount	106	106
Accumulated Amortization	(50)	(33)
Net Carrying Amount	56	73
Customer relationships
Finite-Lived Intangible Assets
Gross Carrying Amount	28	30
Accumulated Amortization	(9)	(10)
Net Carrying Amount	19	20
Other
Finite-Lived Intangible Assets
Gross Carrying Amount	13	16
Accumulated Amortization	(8)	(9)
Net Carrying Amount	$ 5	$ 7

Intangible Assets - Additional

Intangible Assets - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Amortization expense	$ 35	$ 43	$ 48

Intangible Assets - Estimated A

Intangible Assets - Estimated Amortization Expense (Details) $ in Millions	Dec. 31, 2024 USD ($)
Intangible Assets, Net (Excluding Goodwill) [Abstract]
2025	$ 28
2026	22
2027	14
2028	9
2029	$ 6

Variable Interest Entities - Cl

Variable Interest Entities - Classifications of Consolidated VIE Assets, Liabilities and Noncontrolling Interest Included in the Bancorp's Consolidated Balance Sheets (Details) - USD ($) $ in Millions		Dec. 31, 2024		Dec. 31, 2023		Dec. 31, 2022	Dec. 31, 2021
Assets
Other short-term investments	[1]	$ 17,120		$ 22,082
ALLL		(2,352)	[1]	(2,322)	[1]	$ (2,194)	$ (1,892)
Other assets	[1]	12,857		12,538
Total Assets		212,927		214,574
Liabilities
Other liabilities	[1]	4,902		4,861
Long-term debt	[1]	14,337		16,380
Total Liabilities		193,282		195,402
Variable Interest Entity, Primary Beneficiary | Automobile And Solar Loan
Assets
Other short-term investments		51		55
Indirect secured consumer loans		967		1,535
Solar energy installation loans		33		38
ALLL		(19)		(28)
Other assets		5		10
Total Assets		1,037		1,610
Liabilities
Other liabilities		12		14
Long-term debt		889		1,409
Total Liabilities		$ 901		$ 1,423
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12.

Variable Interest Entities - Ad

Variable Interest Entities - Additional Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($) investment	Dec. 31, 2023 USD ($)	Aug. 31, 2023 USD ($)
Secured Debt [Member]
Variable Interest Entity
Principal amount			$ 79
LLCs designed for the purpose of purchasing pools of residual interests in leases
Variable Interest Entity
Number of co-investments | investment	3
Ownership percentage	50%
Variable Interest Entity, Not Primary Beneficiary | Loans provided to VIEs
Variable Interest Entity
Unfunded commitment amounts	$ 2,800	$ 2,100
Variable Interest Entity, Not Primary Beneficiary | CDC investments
Variable Interest Entity
CDC investments	2,000	1,600
Unfunded commitments in qualifying LIHTC investments	$ 741	684
Variable Interest Entity, Not Primary Beneficiary | CDC investments | Maximum
Variable Interest Entity
Unfunded commitments, year expected to be funded	2041
Variable Interest Entity, Not Primary Beneficiary | CDC investments | Minimum
Variable Interest Entity
Unfunded commitments, year expected to be funded	2025
Variable Interest Entity, Not Primary Beneficiary | Private equity investments
Variable Interest Entity
Unfunded commitment amounts	$ 219	170
Capital contribution to private equity investments	$ 49	$ 47
Variable Interest Entity, Primary Beneficiary | Secured Debt [Member]
Variable Interest Entity
Principal amount			1,580
Variable Interest Entity, Primary Beneficiary | Automobile Loans
Variable Interest Entity
Indirect secured consumer loans			$ 1,740

Variable Interest Entities - As

Variable Interest Entities - Assets and Liabilities Related to Non-consolidated VIEs and Maximum Exposure to Losses (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Variable Interest Entity
Total Assets	$ 212,927	$ 214,574
Total Liabilities	193,282	195,402
Variable Interest Entity, Not Primary Beneficiary | CDC investments
Variable Interest Entity
Total Assets	2,179	2,007
Total Liabilities	741	690
Maximum Exposure	2,224	2,054
Variable Interest Entity, Not Primary Beneficiary | Private equity investments
Variable Interest Entity
Total Assets	268	230
Total Liabilities	0	0
Maximum Exposure	487	400
Variable Interest Entity, Not Primary Beneficiary | Loans provided to VIEs
Variable Interest Entity
Total Assets	4,711	4,274
Total Liabilities	0	0
Maximum Exposure	7,529	6,395
Variable Interest Entity, Not Primary Beneficiary | Lease pool entities
Variable Interest Entity
Total Assets	30	42
Total Liabilities	0	0
Maximum Exposure	30	42
Variable Interest Entity, Not Primary Beneficiary | Solar loan securitizations
Variable Interest Entity
Total Assets	8	9
Total Liabilities	0	0
Maximum Exposure	$ 8	$ 9

Variable Interest Entities - In

Variable Interest Entities - Investments in Qualified Affordable Housing Tax Credits (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Proportional amortization	$ 200,000,000	$ 200,000,000	$ 189,000,000
Tax credits and other benefits(b)	(248,000,000)	(230,000,000)	(219,000,000)
Changes in carrying amount of equity method investments	$ 8,000,000	$ 0	$ 0
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]	Applicable income tax expense	Applicable income tax expense	Applicable income tax expense
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Income or Comprehensive Income [Extensible Enumeration]	Applicable income tax expense	Applicable income tax expense	Applicable income tax expense
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]	Increase (Decrease) in Other Operating Assets	Increase (Decrease) in Other Operating Assets	Increase (Decrease) in Other Operating Assets
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Income or Comprehensive Income [Extensible Enumeration]	Increase (Decrease) in Other Operating Assets	Increase (Decrease) in Other Operating Assets	Increase (Decrease) in Other Operating Assets
Impairment losses	$ 0	$ 0	$ 0

Sales of Receivables and Serv_3

Sales of Receivables and Servicing Rights - Activity Related to Mortgage Banking Net Revenue (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Transfers and Servicing [Abstract]
Contractually Specified Servicing Fee Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing
Residential mortgage loan sales	$ 3,954	$ 4,888	$ 13,307
Origination fees and gains on loan sales	67	79	91
Gross mortgage servicing fees	$ 309	$ 319	$ 310

Sales of Receivables and Serv_4

Sales of Receivables and Servicing Rights - Changes in the Servicing Assets (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Servicing Asset at Fair Value, Amount [Roll Forward]
Balance, beginning of period	$ 1,737	$ 1,746
Servicing rights originated	49	71
Servicing rights purchased	0	25
Servicing rights sold	(5)	0
Changes in fair value:
Changes in fair value due to changes in inputs or assumptions	74	43	$ 355
Changes in fair value due to other changes in fair value	(151)	(148)
Balance, end of period	$ 1,704	$ 1,737	$ 1,746
Servicing Asset, Fair Value, Change in Fair Value, Other, Statement of Income or Comprehensive Income [Extensible Enumeration]	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing

Sales of Receivables and Serv_5

Sales of Receivables and Servicing Rights - Activity Related to the MSR Portfolio (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Transfers and Servicing [Abstract]
Securities (losses) gains, net - non-qualifying hedges on mortgage servicing rights	$ 0	$ 0	$ (2)
Changes in fair value and settlement of free-standing derivatives purchased to economically hedge the MSR portfolio	(88)	(43)	(363)
MSR fair value adjustments due to changes in inputs or assumptions	$ 74	$ 43	$ 355

Sales of Receivables and Serv_6

Sales of Receivables and Servicing Rights - Servicing Rights and Residual Interests Economic Assumptions (Details) - bps	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fixed-rate
Schedule of Servicing Assets at Amortized Value
Weighted- Average Life (in years)	6 years 7 months 6 days	6 years 7 months 6 days
Prepayment Speed (annual) (as a percent)	12.70%	12.40%
OAS (bps)	0.0488	0.0596
Adjustable-rate
Schedule of Servicing Assets at Amortized Value
Weighted- Average Life (in years)		3 years
Prepayment Speed (annual) (as a percent)	0%	27.90%
OAS (bps)	0	0.0774

Sales of Receivables and Serv_7

Sales of Receivables and Servicing Rights - Additional Information (Details) $ in Billions	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Transfers and Servicing [Abstract]
Servicing of residential mortgage loans for other investors	$ 94.2	$ 100.8
Weighted-average coupon of the MSR portfolio (as a percent)	0.0379	0.0372

Sales of Receivables and Serv_8

Sales of Receivables and Servicing Rights - Sensitivity of the Current Fair Value of Residual Cash Flows to Immediate 10%, 20% and 50% Adverse Changes in Assumptions (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($) bps
Fixed-rate
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption
Fair Value	$ 1,701
Weighted- Average Life (in years)	8 years 7 months 6 days
Prepayment Speed Assumption, Rate (as a percent)	5.80%
Prepayment Speed Assumption, Impact of Adverse Change on Fair Value 10%	$ (37)
Prepayment Speed Assumption, Impact of Adverse Change on Fair Value 20%	(72)
Prepayment Speed Assumption, Impact of Adverse Change on Fair Value 50%	$ (168)
OAS (bps) | bps	0.0459
OAS Spread Assumption, Impact of Adverse Change on Fair Value 10%	$ (35)
OAS Spread Assumption, Impact of Adverse Change on Fair Value 20%	(69)
Adjustable-rate
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption
Fair Value	$ 3
Weighted- Average Life (in years)	5 years 1 month 6 days
Prepayment Speed Assumption, Rate (as a percent)	16.90%
Prepayment Speed Assumption, Impact of Adverse Change on Fair Value 10%	$ 0
Prepayment Speed Assumption, Impact of Adverse Change on Fair Value 20%	0
Prepayment Speed Assumption, Impact of Adverse Change on Fair Value 50%	$ (1)
OAS (bps) | bps	0.0731
OAS Spread Assumption, Impact of Adverse Change on Fair Value 10%	$ 0
OAS Spread Assumption, Impact of Adverse Change on Fair Value 20%	$ 0

Derivative Financial Instrume_3

Derivative Financial Instruments - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Derivative
Collateral held for derivative assets	$ 947,000,000	$ 1,300,000,000
Variation margin	403,000,000	587,000,000
Valuation adjustments related to the credit risk associated with counterparties of customer accommodation derivative contracts	4,000,000	7,000,000
Amount of variation margin payment applied to derivative liability contracts	1,200,000,000	721,000,000
Gain or losses reclassified from AOCI into earnings associated with the discontinuance of cash flow hedges	0	0
Notional amount of the risk participations agreements	3,247,000,000	3,563,000,000
Total collateral
Derivative
Collateral held for derivative liabilities	$ 1,100,000,000	1,100,000,000
Interest Rate Contract
Derivative
Maximum length of time of hedging exposure	85 months
Deferred loss, net of tax, on cash flow hedges recorded in accumulated other comprehensive income	$ (654,000,000)	(372,000,000)
Net deferred loss, net of tax, recorded in AOCI are expected to be reclassified into earnings	134,000,000
Interest Rate Contract | Credit Risk
Derivative
Fair value of risk participation agreements	$ 5,000,000	$ 6,000,000
Weighted-average remaining life	2 years 1 month 6 days

Derivative Financial Instrume_4

Derivative Financial Instruments - Notional Amounts and Fair Values for All Derivative Instruments Included in the Condensed Consolidated Balance Sheets (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Derivatives, Fair Value
Derivative assets, fair value, gross assets	$ 2,470	$ 2,672
Total derivative assets	2,472	2,677
Derivative liabilities, fair value, gross liabilities	2,798	2,999
Total derivative liabilities	2,798	2,999
Amount of variation margin payment applied to derivative asset contracts	257	335
Amount of variation margin payment applied to derivative liability contracts	45	58
Designated as Hedging Instrument | Accumulated Net Gain (Loss) from Designated or Qualifying Hedges
Derivatives, Fair Value
Derivative assets, fair value, gross assets	7	10
Derivative liabilities, fair value, gross liabilities	16	45
Designated as Hedging Instrument | Fair Value Hedging | Accumulated Net Gain (Loss) from Designated or Qualifying Hedges
Derivatives, Fair Value
Derivative assets, fair value, gross assets	1	0
Derivative liabilities, fair value, gross liabilities	12	32
Designated as Hedging Instrument | Fair Value Hedging | Interest rate swaps | Accumulated Net Gain (Loss) from Designated or Qualifying Hedges | Long-term debt
Derivatives, Fair Value
Notional Amount	4,955	5,955
Derivative assets, fair value, gross assets	1	0
Derivative liabilities, fair value, gross liabilities	12	32
Designated as Hedging Instrument | Cash Flow Hedging | Accumulated Net Gain (Loss) from Designated or Qualifying Hedges
Derivatives, Fair Value
Derivative assets, fair value, gross assets	6	10
Derivative liabilities, fair value, gross liabilities	4	13
Designated as Hedging Instrument | Cash Flow Hedging | Interest rate swaps | Accumulated Net Gain (Loss) from Designated or Qualifying Hedges | Commercial and Industrial
Derivatives, Fair Value
Notional Amount	11,000	8,000
Derivative assets, fair value, gross assets	2	2
Derivative liabilities, fair value, gross liabilities	4	11
Designated as Hedging Instrument | Cash Flow Hedging | Interest rate swaps | Accumulated Net Gain (Loss) from Designated or Qualifying Hedges | Commercial Mortgage and Commercial Construction
Derivatives, Fair Value
Notional Amount		4,000
Derivative assets, fair value, gross assets		1
Derivative liabilities, fair value, gross liabilities		1
Designated as Hedging Instrument | Cash Flow Hedging | Interest rate swap - forward starting | Accumulated Net Gain (Loss) from Designated or Qualifying Hedges | Commercial and Industrial
Derivatives, Fair Value
Notional Amount	1,000	6,000
Derivative assets, fair value, gross assets	1	6
Derivative liabilities, fair value, gross liabilities	0	1
Designated as Hedging Instrument | Cash Flow Hedging | Interest rate swap - forward starting | Accumulated Net Gain (Loss) from Designated or Qualifying Hedges | Commercial Mortgage and Commercial Construction
Derivatives, Fair Value
Notional Amount	4,000
Derivative assets, fair value, gross assets	3
Derivative liabilities, fair value, gross liabilities	0
Designated as Hedging Instrument | Cash Flow Hedging | Interest rate floors | Accumulated Net Gain (Loss) from Designated or Qualifying Hedges | Commercial and Industrial
Derivatives, Fair Value
Notional Amount		3,000
Derivative assets, fair value, gross assets		1
Derivative liabilities, fair value, gross liabilities		0
Not Designated as Hedging Instrument
Derivatives, Fair Value
Total derivative assets	2,465	2,667
Total derivative liabilities	2,782	2,954
Not Designated as Hedging Instrument | Risk Management and Other Business Purposes
Derivatives, Fair Value
Derivative assets, fair value, gross assets	15	83
Derivative liabilities, fair value, gross liabilities	174	178
Not Designated as Hedging Instrument | Risk Management and Other Business Purposes | Interest rate contracts related to MSR portfolio
Derivatives, Fair Value
Notional Amount	3,135	3,205
Derivative assets, fair value, gross assets	4	81
Derivative liabilities, fair value, gross liabilities	4	0
Not Designated as Hedging Instrument | Risk Management and Other Business Purposes | Forward contracts related to residential mortgage loans measured at fair value | Loans held for sale
Derivatives, Fair Value
Notional Amount		650
Derivative assets, fair value, gross assets	8	0
Derivative liabilities, fair value, gross liabilities	0	5
Not Designated as Hedging Instrument | Risk Management and Other Business Purposes | Swap
Derivatives, Fair Value
Notional Amount	2,465	4,178
Derivative assets, fair value, gross assets	0	0
Derivative liabilities, fair value, gross liabilities	170	168
Not Designated as Hedging Instrument | Risk Management and Other Business Purposes | Interest-only strips
Derivatives, Fair Value
Notional Amount	30	39
Derivative assets, fair value, gross assets	0	1
Derivative liabilities, fair value, gross liabilities	0	0
Not Designated as Hedging Instrument | Risk Management and Other Business Purposes | Interest rate contracts for collateral management
Derivatives, Fair Value
Notional Amount	1,000	5,000
Derivative assets, fair value, gross assets	1	1
Derivative liabilities, fair value, gross liabilities	0	1
Not Designated as Hedging Instrument | Risk Management and Other Business Purposes | Interest rate contracts for LIBOR transition
Derivatives, Fair Value
Notional Amount	597	597
Derivative assets, fair value, gross assets	0	0
Derivative liabilities, fair value, gross liabilities	0	0
Not Designated as Hedging Instrument | Risk Management and Other Business Purposes | Other
Derivatives, Fair Value
Notional Amount	43	30
Derivative assets, fair value, gross assets	0	0
Derivative liabilities, fair value, gross liabilities	0	0
Not Designated as Hedging Instrument | Risk Management and Other Business Purposes | Foreign exchange contracts
Derivatives, Fair Value
Notional Amount	104	190
Derivative assets, fair value, gross assets	2	0
Derivative liabilities, fair value, gross liabilities	0	4
Not Designated as Hedging Instrument | Customer Accommodation
Derivatives, Fair Value
Total derivative assets	2,450	2,584
Total derivative liabilities	2,608	2,776
Not Designated as Hedging Instrument | Customer Accommodation | Interest rate contracts for LIBOR transition
Derivatives, Fair Value
Notional Amount		675
Not Designated as Hedging Instrument | Customer Accommodation | Interest rate contracts
Derivatives, Fair Value
Notional Amount	87,928	95,079
Derivative assets, fair value, gross assets	708	885
Derivative liabilities, fair value, gross liabilities	924	1,162
Not Designated as Hedging Instrument | Customer Accommodation | Interest rate lock commitments
Derivatives, Fair Value
Notional Amount	264	252
Derivative assets, not subject to master netting arrangement	2	5
Derivative liabilities, not subject to master netting arrangement	0	0
Not Designated as Hedging Instrument | Customer Accommodation | Commodity contracts
Derivatives, Fair Value
Notional Amount	16,889	17,621
Derivative assets, fair value, gross assets	575	1,051
Derivative liabilities, fair value, gross liabilities	564	1,018
Not Designated as Hedging Instrument | Customer Accommodation | TBA securities
Derivatives, Fair Value
Notional Amount	44	27
Derivative assets, fair value, gross assets	0	0
Derivative liabilities, fair value, gross liabilities	0	0
Not Designated as Hedging Instrument | Customer Accommodation | Foreign exchange contracts
Derivatives, Fair Value
Notional Amount	38,640	37,734
Derivative assets, fair value, gross assets	1,165	643
Derivative liabilities, fair value, gross liabilities	$ 1,120	$ 596

Derivative Financial Instrume_5

Derivative Financial Instruments - Change in the Fair Value for Interest Rate Contracts and the Related Hedged Items (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value
Hedged Asset, Statement of Financial Position [Extensible Enumeration]	Long-term debt	Long-term debt
Fair Value Hedging | Debt Securities
Derivatives, Fair Value
Cumulative amount of fair value hedging adjustments remaining for hedged items for which hedge accounting has been discontinued	$ (9)	$ (11)
Fair Value Hedging | Long-term debt
Derivatives, Fair Value
Carrying amount of the hedged items	4,838	5,899
Cumulative amount of fair value hedging adjustments included in the carrying amount of the hedged items	(103)	(38)
Fair Value Hedging | Interest rate contracts | Interest on long-term debt
Derivatives, Fair Value
Change in fair value of interest rate swaps hedging long-term debt, available-for-sale debt and other securities	(66)	29	$ (460)
Change in fair value of hedged long-term debt, available-for-sale debt and other securities attributable to the risk being hedged	65	(26)	460
Fair Value Hedging | Interest rate contracts | Interest on securities
Derivatives, Fair Value
Change in fair value of interest rate swaps hedging long-term debt, available-for-sale debt and other securities	0	0	8
Change in fair value of hedged long-term debt, available-for-sale debt and other securities attributable to the risk being hedged	$ 0	$ 0	$ (8)

Derivative Financial Instrume_6

Derivative Financial Instruments - Net Gains (Losses) Relating to Derivative Instruments Designated as Cash Flow Hedges (Details) - Cash Flow Hedging - Interest Income (Expense) Net - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Amount of pre-tax net losses recognized in OCI	$ (724)	$ (171)	$ (1,006)
Amount of pre-tax net (losses) gains reclassified from OCI into net income	$ (351)	$ (334)	$ 99

Derivative Financial Instrume_7

Derivative Financial Instruments - Net Gains (Losses) Recorded in the Condensed Consolidated Statements of Income Relating to Free-Standing Derivative Instruments Used for Risk Management and Other Business Purposes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	$ (88)	$ (43)	$ (363)
Interest rate contracts | Capital markets fees | Contract revenue
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	29	35	48
Interest rate contracts | Other noninterest expense | Credit portion of fair value adjustment
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	4	(2)	10
Interest rate contracts | Mortgage banking net revenue | Interest rate lock commitments
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	41	52	16
Interest rate contracts | Mortgage banking net revenue | MSR portfolio
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	(88)	(43)	(363)
Foreign exchange contracts | Capital markets fees | Contract revenue
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	74	89	70
Foreign exchange contracts | Other noninterest income
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	14	(3)	12
Foreign exchange contracts | Other noninterest income | Contract revenue
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	6	(14)	8
Foreign exchange contracts | Other noninterest expense | Credit portion of fair value adjustment
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	0	4	(3)
Commodity contracts: | Capital markets fees | Contract revenue
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	18	36	44
Commodity contracts: | Other noninterest expense | Credit portion of fair value adjustment
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	1	0	0
Forward contracts related to residential mortgage loans measured at fair value | Mortgage banking net revenue
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	13	(7)	3
Interest-only strips | Other noninterest income
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	(1)	(3)	0
Equity Derivatives | Other noninterest income | Swap
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	$ (138)	$ (94)	$ (84)

Derivative Financial Instrume_8

Derivative Financial Instruments - Risk Ratings of the Notional Amount of Risk Participation Agreements (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Derivatives, Fair Value
Notional amount of the risk participations agreements	$ 3,247	$ 3,563
Pass
Derivatives, Fair Value
Notional amount of the risk participations agreements	3,138	3,168
Special mention
Derivatives, Fair Value
Notional amount of the risk participations agreements	9	323
Substandard
Derivatives, Fair Value
Notional amount of the risk participations agreements	$ 100	$ 72

Derivative Financial Instrume_9

Derivative Financial Instruments - Net Gains (Losses) Recorded in the Consolidated Statements of Income Relating to Free-Standing Derivative Instruments Used For Customer Accommodation (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	$ (88)	$ (43)	$ (363)
Interest rate contracts | Credit portion of fair value adjustment | Other noninterest expense
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	4	(2)	10
Interest rate contracts | Interest rate lock commitments | Mortgage banking net revenue
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	41	52	16
Commodity contracts | Credit portion of fair value adjustment | Other noninterest expense
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	1	0	0
Foreign exchange contracts | Credit portion of fair value adjustment | Other noninterest expense
Derivative Instruments, Gain (Loss)
Net gains (losses) recorded in earnings	$ 0	$ 4	$ (3)

Derivative Financial Instrum_10

Derivative Financial Instruments - Offsetting Derivative Financial Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Derivative assets
Gross Amount Recognized in the Consolidated Balance Sheets	$ 2,470	$ 2,672
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheets, Derivatives	(1,378)	(1,031)
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheets, Collateral	(573)	(877)
Net Amount	519	764
Derivative liabilities
Gross Amount Recognized in the Condensed Consolidated Balance Sheets	2,798	2,999
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheets, Derivatives	(1,378)	(1,031)
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheets, Collateral	(193)	(159)
Net Amount	$ 1,227	$ 1,809

Other Assets - Components (Deta

Other Assets - Components (Details) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023
Other Assets [Abstract]
Partnership investments		$ 2,520	$ 2,326
Derivative instruments		2,472	2,677
Accounts receivable and drafts-in-process		2,381	2,007
Bank owned life insurance		2,135	2,103
Deferred tax assets		1,429	1,438
Accrued interest and fees receivable		796	797
Operating lease right-of-use assets		526	511
Income tax receivable		174	187
Prepaid expenses		142	143
OREO and other repossessed property		32	39
Worldpay, Inc. TRA receivable		0	35
Other		250	275
Total other assets	[1]	$ 12,857	$ 12,538
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12.

Other Assets - Additional Infor

Other Assets - Additional Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2019 USD ($)	Dec. 31, 2012 agreement
Related Party Transactions
TRA payment	$ 11	$ 22	$ 46
Other noninterest income
Related Party Transactions
TRA payment	$ 11	22	$ 46
Worldpay, Inc.
Related Party Transactions
TRA receivable		$ 35
Affiliated Entity | Worldpay, Inc.
Related Party Transactions
Number of TRAs entered into | agreement					2
Percentage of cash savings activity					85%
Fidelity National Information Services, Inc. and Worldpay, Inc
Related Party Transactions
Payment to terminate and settle certain remaining TRA cash flows				$ 366
Potential termination and settlement of TRA cash flows				720
Fidelity National Information Services, Inc. and Worldpay, Inc | Other noninterest income
Related Party Transactions
Gain from exercise of options				$ 345

Short-Term Borrowings - Summary

Short-Term Borrowings - Summary of Short-Term Borrowings and Weighted-Average Rates (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Short-term Debt [Line Items]
Federal funds purchased	$ 204	$ 193
Other short-term borrowings	4,450	2,861
Federal Funds Purchased
Short-term Debt [Line Items]
Short-term borrowings, average	207	307
Short-term borrowings, maximum month-end balance	$ 247	$ 1,143
Short-term borrowings, rate	4.30%	5.31%
Short-term borrowings, average rate	5.21%	4.96%
Other Short Term Borrowings
Short-term Debt [Line Items]
Short-term borrowings, average	$ 3,024	$ 5,044
Short-term borrowings, maximum month-end balance	$ 5,070	$ 7,423
Short-term borrowings, rate	4.39%	5.21%
Short-term borrowings, average rate	5.18%	4.90%

Short-Term Borrowings - Compone

Short-Term Borrowings - Components of Other Short-Term Borrowings (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Short-Term Debt [Abstract]
FHLB advances	$ 4,100	$ 2,500
Securities sold under repurchase agreements	273	330
Derivative collateral	19	3
Other borrowed money	58	28
Other short-term borrowings	$ 4,450	$ 2,861

Long-Term Debt - Summary of the

Long-Term Debt - Summary of the Bancorp's Long-Term Borrowings (Details) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023	May 05, 2020	Jan. 31, 2020	Oct. 28, 2019	Jul. 26, 2018	Mar. 14, 2018	Mar. 15, 2016
Debt Instrument
Long-term debt	[1]	$ 14,337	$ 16,380
Amount Qualifying as Tier Two Capital for Regulatory Capital Purposes
Debt Instrument
Long-term debt		1,300	1,500
Parent Company
Debt Instrument
Long-term debt		$ 9,521	10,108
Parent Company | Senior Notes | Fixed Rate 3.65% Notes Due 2024
Debt Instrument
Interest rate (as a percent)		3.65%
Long-term debt		$ 0	1,500
Parent Company | Senior Notes | Fixed Rate 2.375% Notes Due 2025
Debt Instrument
Interest rate (as a percent)		2.375%				2.375%
Long-term debt		$ 750	749
Parent Company | Senior Notes | Fixed Rate 2.55% Notes Due 2027
Debt Instrument
Interest rate (as a percent)		2.55%		2.55%
Long-term debt		$ 748	748
Parent Company | Senior Notes | Fixed Rate/Floating Rate Notes Due 2027
Debt Instrument
Interest rate (as a percent)		1.707%
Long-term debt		$ 472	461
Parent Company | Senior Notes | Fixed Rate 3.95% Notes Due 2028
Debt Instrument
Interest rate (as a percent)		3.95%						3.95%
Long-term debt		$ 648	648
Parent Company | Senior Notes | Fixed Rate/Floating Rate 4.055 Percent Notes Due 2028
Debt Instrument
Interest rate (as a percent)		4.055%
Long-term debt		$ 387	386
Parent Company | Senior Notes | Fixed Rate/Floating Rate 6.361 Percent Notes Due 202
Debt Instrument
Interest rate (as a percent)		6.361%
Long-term debt		$ 999	1,013
Parent Company | Senior Notes | Fixed Rate/Floating-Rate 6.339% Notes Due 2029
Debt Instrument
Interest rate (as a percent)		6.339%
Long-term debt		$ 1,246	1,245
Parent Company | Senior Notes | Fixed Rate/Floating Rate 4.772 Percent Notes Due 2030
Debt Instrument
Interest rate (as a percent)		4.772%
Long-term debt		$ 933	944
Parent Company | Senior Notes | Fixed Rate/Floating Rate 4.895% Notes Due 2030
Debt Instrument
Interest rate (as a percent)		4.895%
Long-term debt		$ 747	0
Parent Company | Senior Notes | Fixed Rate/Floating Rate 5.631% Notes Due 2032
Debt Instrument
Interest rate (as a percent)		5.631%
Long-term debt		$ 996	0
Parent Company | Senior Notes | Fixed Rate/Floating Rate 4.337 Percent Notes Due 2033
Debt Instrument
Interest rate (as a percent)		4.337%
Long-term debt		$ 544	561
Parent Company | Subordinated Debt | Fixed Rate 4.30% Notes Due 2024
Debt Instrument
Interest rate (as a percent)		4.30%
Long-term debt		$ 0	750
Parent Company | Subordinated Debt | Fixed Rate 8.25% Notes Due 2038
Debt Instrument
Interest rate (as a percent)		8.25%
Long-term debt		$ 1,051	1,103
Subsidiaries
Debt Instrument
Long-term debt		4,816
Subsidiaries | FHLB Advances Due 2021 to 2047
Debt Instrument
Long-term debt		$ 1,508	1,510
Subsidiaries | FHLB Advances Due 2021 to 2047 | Weighted-Average
Debt Instrument
Interest rate (as a percent)		4.91%
Subsidiaries | Other Debt Due 2025 - 2052
Debt Instrument
Long-term debt		$ 312	297
Subsidiaries | Variable Interest Entity, Primary Beneficiary | Variable Rate | Automobile Loans
Debt Instrument
Long-term debt		$ 816	1,305
Subsidiaries | Variable Interest Entity, Primary Beneficiary | Variable Rate | Automobile Loans | Minimum
Debt Instrument
Interest rate (as a percent)		5.13%
Subsidiaries | Variable Interest Entity, Primary Beneficiary | Variable Rate | Automobile Loans | Maximum
Debt Instrument
Interest rate (as a percent)		5.80%
Subsidiaries | Variable Interest Entity, Primary Beneficiary | Fixed-Rate Notes Due 2026 - 2052 | Solar loan securitizations
Debt Instrument
Long-term debt		$ 30	35
Subsidiaries | Variable Interest Entity, Primary Beneficiary | Fixed-Rate Notes Due 2026 - 2052 | Solar loan securitizations | Minimum
Debt Instrument
Interest rate (as a percent)		4.05%
Subsidiaries | Variable Interest Entity, Primary Beneficiary | Fixed-Rate Notes Due 2026 - 2052 | Solar loan securitizations | Maximum
Debt Instrument
Interest rate (as a percent)		7%
Subsidiaries | Senior Notes | Fixed Rate 3.95% Notes Due 2025
Debt Instrument
Interest rate (as a percent)		3.95%					3.95%
Long-term debt		$ 747	727
Subsidiaries | Senior Notes | Fixed Rate/Floating Rate 5.852 Percent Notes Due 2025
Debt Instrument
Interest rate (as a percent)		5.852%
Long-term debt		$ 0	996
Subsidiaries | Senior Notes | Fixed Rate 2.25% Notes Due 2027
Debt Instrument
Interest rate (as a percent)		2.25%			2.25%
Long-term debt		$ 599	599
Subsidiaries | Subordinated Debt | Fixed Rate 3.85% Notes Due 2026
Debt Instrument
Interest rate (as a percent)		3.85%							3.85%
Long-term debt		$ 750	749
Subsidiaries | Junior Subordinated Debt | Floating-Rate Debentures Due 2035
Debt Instrument
Long-term debt		$ 54	$ 54
Subsidiaries | Junior Subordinated Debt | Floating-Rate Debentures Due 2035 | Minimum
Debt Instrument
Interest rate (as a percent)		6.04%
Subsidiaries | Junior Subordinated Debt | Floating-Rate Debentures Due 2035 | Maximum
Debt Instrument
Interest rate (as a percent)		6.31%
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12.

Long-Term Debt - Schedule of Ag

Long-Term Debt - Schedule of Aggregate Maturities of Long-Term Debt Obligations (Details) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023
Debt Instrument
2025		$ 1,506
2026		2,429
2027		1,833
2028		2,621
2029		1,328
Thereafter		4,620
Total	[1]	14,337	$ 16,380
Parent Company
Debt Instrument
2025		750
2026		0
2027		1,220
2028		2,034
2029		1,246
Thereafter		4,271
Total		9,521	$ 10,108
Subsidiaries
Debt Instrument
2025		756
2026		2,429
2027		613
2028		587
2029		82
Thereafter		349
Total		$ 4,816
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12.

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument
Debt, outstanding note	$ 14,500	$ 16,500
Debt, discounts and premiums	13	14
Unamortized debt issuance costs	31	32
Fair Value Hedging | Long-term debt
Debt Instrument
Cumulative amount of fair value hedging adjustments included in the carrying amount of the hedged items	$ (103)	$ (38)

Long-Term Debt - Senior Notes (

Long-Term Debt - Senior Notes (Details) - Parent Company - USD ($) $ in Millions	Sep. 06, 2024	Jan. 29, 2024	Jul. 27, 2023	Oct. 27, 2022	Jul. 28, 2022	Apr. 25, 2022	Nov. 01, 2021	May 05, 2020	Mar. 14, 2018	Dec. 31, 2024	Oct. 28, 2019
Senior Notes | Fixed Rate 3.95% Notes Due 2028
Debt Instrument
Principal amount									$ 650
Interest rate (as a percent)									3.95%	3.95%
Redemption period prior to maturity date									30 days
Redemption price (as a percent)									100%
Senior Notes | Fixed Rate 2.375% Notes Due 2025
Debt Instrument
Principal amount											$ 750
Interest rate (as a percent)										2.375%	2.375%
Senior Notes | Fixed Rate 2.55% Notes Due 2027
Debt Instrument
Principal amount								$ 750
Interest rate (as a percent)								2.55%		2.55%
Redemption price (as a percent)								100%
Debt term								7 years
Senior Notes | Fixed Rate 2.55% Notes Due 2027 | U.S. Treasury Rate
Debt Instrument
Basis spread on variable rate (as a percent)								0.35%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due November 1, 2027
Debt Instrument
Principal amount							$ 500
Redemption period prior to maturity date							30 days
Derivative, variable interest rate										5.34%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due November 1, 2027 | Debt Instrument, Redemption, Period One
Debt Instrument
Redemption price (as a percent)							100%
Debt instrument, redemption period							1 year
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due November 1, 2027 | Debt Instrument, Redemption, Period Two
Debt Instrument
Redemption price (as a percent)							100%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due November 1, 2027 | Secured Overnight Financing Rate (SOFR)
Debt Instrument
Derivative, basis spread on a variable rate							0.69%
Senior Notes | Fixed Rate 1.707% Senior Notes
Debt Instrument
Interest rate (as a percent)							1.707%
Senior Notes | Senior Notes with Compounded SOFR Interest Rate | Secured Overnight Financing Rate (SOFR)
Debt Instrument
Basis spread on variable rate (as a percent)							0.685%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due April 2028 And 2033
Debt Instrument
Principal amount						$ 1,000
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due April 2028 And 2033 | Debt Instrument, Redemption, Period One
Debt Instrument
Debt instrument, redemption period						1 year
Senior Notes | Fixed Rate/Floating Rate 4.055 Percent Senior Notes Due April 2028
Debt Instrument
Principal amount						$ 400
Interest rate (as a percent)						4.055%
Derivative, variable interest rate										5.91%
Senior Notes | Fixed Rate/Floating Rate 4.055 Percent Senior Notes Due April 2028 | Debt Instrument, Redemption, Period Two
Debt Instrument
Debt instrument, redemption period						30 days
Senior Notes | Fixed Rate/Floating Rate 4.055 Percent Senior Notes Due April 2028 | Secured Overnight Financing Rate (SOFR)
Debt Instrument
Basis spread on variable rate (as a percent)						1.355%
Senior Notes | Fixed Rate/Floating Rate 4.055 Percent Senior Notes Due April 2028 | Secured Overnight Financing Rate, Floating (SOFR)
Debt Instrument
Derivative, basis spread on a variable rate						1.357%
Senior Notes | Fixed Rate/Floating Rate 4.337 Percent Senior Notes Due April 2033
Debt Instrument
Principal amount						$ 600
Interest rate (as a percent)						4.337%
Derivative, variable interest rate										6.22%
Senior Notes | Fixed Rate/Floating Rate 4.337 Percent Senior Notes Due April 2033 | Debt Instrument, Redemption, Period Three
Debt Instrument
Debt instrument, redemption period						90 days
Senior Notes | Fixed Rate/Floating Rate 4.337 Percent Senior Notes Due April 2033 | Secured Overnight Financing Rate (SOFR)
Debt Instrument
Basis spread on variable rate (as a percent)						1.66%
Senior Notes | Fixed Rate/Floating Rate 4.337 Percent Senior Notes Due April 2033 | Secured Overnight Financing Rate, Floating (SOFR)
Debt Instrument
Derivative, basis spread on a variable rate						1.666%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due July 2030
Debt Instrument
Principal amount					$ 1,000
Derivative, variable interest rate										6.67%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due July 2030 | Debt Instrument, Redemption, Period One
Debt Instrument
Debt instrument, redemption period					1 year
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due July 2030 | Debt Instrument, Redemption, Period Four
Debt Instrument
Debt instrument, redemption period					60 days
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due July 2030 | Secured Overnight Financing Rate (SOFR)
Debt Instrument
Basis spread on variable rate (as a percent)					2.127%
Derivative, basis spread on a variable rate										2.132%
Senior Notes | Fixed Rate 4.772 Percent Senior Notes Due July 2030
Debt Instrument
Interest rate (as a percent)					4.772%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due October 2028
Debt Instrument
Principal amount				$ 1,000
Redemption period prior to maturity date				180 days
Derivative, variable interest rate										6.74%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due October 2028 | Debt Instrument, Redemption, Period Four
Debt Instrument
Redemption period prior to maturity date				1 year
Debt instrument, redemption period				30 days
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due October 2028 | Secured Overnight Financing Rate (SOFR)
Debt Instrument
Basis spread on variable rate (as a percent)				2.192%
Derivative, basis spread on a variable rate				2.193%
Senior Notes | Fixed Rate 6.361 Percent Senior Notes Due October 2028
Debt Instrument
Interest rate (as a percent)				6.361%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due July 27, 2029
Debt Instrument
Principal amount			$ 1,250
Interest rate (as a percent)			6.339%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due July 27, 2029 | Debt Instrument, Redemption, Period One
Debt Instrument
Debt instrument, redemption period			1 year
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due July 27, 2029 | Debt Instrument, Redemption, Period Two
Debt Instrument
Debt instrument, redemption period			30 days
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due July 27, 2029 | Debt Instrument, Redemption, Period Five
Debt Instrument
Debt instrument, redemption period			180 days
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due July 27, 2029 | Secured Overnight Financing Rate (SOFR)
Debt Instrument
Basis spread on variable rate (as a percent)			2.34%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due January 29, 2032
Debt Instrument
Principal amount		$ 1,000
Interest rate (as a percent)		5.631%
Basis spread on variable rate (as a percent)		1.84%
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due January 29, 2032 | Debt Instrument, Redemption, Period One
Debt Instrument
Debt instrument, redemption period		1 year
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due January 29, 2032 | Debt Instrument, Redemption, Period Two
Debt Instrument
Debt instrument, redemption period		60 days
Senior Notes | Fixed Rate/Floating Rate Senior Notes Due January 29, 2032 | Debt Instrument, Redemption, Period Three
Debt Instrument
Debt instrument, redemption period		180 days
Senior Notes | Fixed/Floating Rate Floating Rate 4.895% Senior Notes Due 2030
Debt Instrument
Principal amount	$ 750
Interest rate (as a percent)	4.895%
Basis spread on variable rate (as a percent)	1.486%
Senior Notes | Fixed/Floating Rate Floating Rate 4.895% Senior Notes Due 2030 | Debt Instrument, Redemption, Period One
Debt Instrument
Debt instrument, redemption period	1 year
Senior Notes | Fixed/Floating Rate Floating Rate 4.895% Senior Notes Due 2030 | Debt Instrument, Redemption, Period Two
Debt Instrument
Debt instrument, redemption period	30 days
Senior Notes | Fixed/Floating Rate Floating Rate 4.895% Senior Notes Due 2030 | Debt Instrument, Redemption, Period Three
Debt Instrument
Debt instrument, redemption period	180 days
Subordinated Debt | Fixed Rate 8.25% Notes Due 2038
Debt Instrument
Interest rate (as a percent)										8.25%
Derivative, variable interest rate										8.20%
Derivative, basis spread on a variable rate										3.31%

Long-Term Debt - Subordinated D

Long-Term Debt - Subordinated Debt (Details) - Parent Company - Subordinated Debt - Fixed Rate 8.25% Notes Due 2038 $ in Millions	Dec. 31, 2024 USD ($)
Debt Instrument
Issue of senior notes to third party investors	$ 1,000
Interest rate (as a percent)	8.25%
Amount of debt converted to floating rate	$ 705
Derivative, basis spread on a variable rate	3.31%
Derivative, variable interest rate	8.20%

Long-Term Debt - Senior and Sub

Long-Term Debt - Senior and Subordinated Debt (Details) - Subsidiaries - USD ($) $ in Millions				12 Months Ended
	Jan. 31, 2020	Jul. 26, 2018	Mar. 15, 2016	Dec. 31, 2024
Debt Instrument
Global Bank note program				$ 25,000
Debt, available for future issuance				$ 20,400
Subordinated Debt | Fixed Rate 3.85% Notes Due 2026
Debt Instrument
Principal amount			$ 750
Interest rate (as a percent)			3.85%	3.85%
Redemption period prior to maturity date			30 days
Redemption price (as a percent)			100%
Senior Notes | Fixed rate 395 percent notes due 2025 [Member]
Debt Instrument
Principal amount		$ 750
Interest rate (as a percent)		3.95%		3.95%
Redemption period prior to maturity date		30 days
Redemption price (as a percent)		100%
Derivative, basis spread on a variable rate				1.16%
Derivative, variable interest rate				5.70%
Senior Notes | Fixed Rate 2.25% Notes Due 2027
Debt Instrument
Principal amount	$ 600
Interest rate (as a percent)	2.25%			2.25%
Redemption price (as a percent)	100%
Minimum | Medium-Term Senior Notes and Subordinated Bank Notes
Debt Instrument
Debt term				1 year
Maximum | Medium-Term Senior Notes and Subordinated Bank Notes
Debt Instrument
Debt term				30 years

Long-Term Debt - Junior Subordi

Long-Term Debt - Junior Subordinated Debt (Details) - Subordinated Debt	12 Months Ended
	Dec. 31, 2024
First Charter Capital Trust I
Debt Instrument
Basis spread on variable rate (as a percent)	1.69%
First Capital Trust II
Debt Instrument
Basis spread on variable rate (as a percent)	1.42%
First Charter Capital Trust I and II
Debt Instrument
Tenor spread adjustment	0.0026161

Long-Term Debt - FHLB Advances

Long-Term Debt - FHLB Advances (Details) - Subsidiaries - FHLB Advances Due 2021 to 2047 $ in Millions	Dec. 31, 2024 USD ($)
Debt Instrument
Loans and securities serving as FHLB collateral	$ 36,600
FHLB advances	1,500
FHLB maturing in 2025	3
FHLB maturing in 2026	1,500
FHLB maturing after 2029	$ 5
Weighted-Average
Debt Instrument
Interest rate (as a percent)	4.91%

Long-Term Debt - Notes Associat

Long-Term Debt - Notes Associated with Consolidated VIEs (Details) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023
Debt Instrument
Long-term debt	[1]	$ 14,337	$ 16,380
2026		2,429
2028		2,621
Thereafter		4,620
Subsidiaries
Debt Instrument
Long-term debt		4,816
2026		2,429
2028		587
Thereafter		349
Variable Interest Entity, Primary Beneficiary | Subsidiaries | Automobile And Solar Loans | Fixed
Debt Instrument
Long-term debt		846
2026		169
2028		550
Thereafter		$ 127
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12.

Commitments, Contingent Liabi_3

Commitments, Contingent Liabilities and Guarantees - Summary of Significant Commitments (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Commitments to extend credit
Long-term Purchase Commitment
Commitments	$ 80,680	$ 81,570
Letters of credit
Long-term Purchase Commitment
Commitments	1,952	2,095
Forward contracts related to residential mortgage loans measured at fair value
Long-term Purchase Commitment
Commitments	881	650
Capital commitments for private equity investments
Long-term Purchase Commitment
Commitments	219	170
Capital expenditures
Long-term Purchase Commitment
Commitments	80	95
Purchase obligations
Long-term Purchase Commitment
Commitments	$ 27	$ 69

Commitments, Contingent Liabi_4

Commitments, Contingent Liabilities and Guarantees - Additional Information (Details) - USD ($) shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2019	Jun. 30, 2018	Sep. 30, 2014	Sep. 30, 2012	Mar. 31, 2012	Jun. 30, 2011	Dec. 31, 2010	Jun. 30, 2010	Dec. 31, 2008
Loss Contingencies
Margin account balance held by the brokerage clearing agent	$ 16	$ 6
Visa
Loss Contingencies
Fair value of mortgage representation and warranty provisions	170	168
Visa IPO, shares of Visa's Class B common stock received (in shares)																	10.1
Visa Class B shares carryover basis																	$ 0
Escrow deposit			$ 1,500	$ 150	$ 500	$ 350	$ 600	$ 250	$ 300	$ 600	$ 450	$ 150	$ 1,565	$ 400	$ 800	$ 500	$ 3,000
Residential mortgage loans
Loss Contingencies
Fair value of mortgage representation and warranty provisions	8
Make-whole payments	0	0
Repurchased outstanding principal	20	54
Repurchase demand request	44	89
Outstanding repurchase demand inventory	7	8
Secured Debt
Loss Contingencies
Fully and unconditionally guaranteed certain long-term borrowing obligations issued by wholly-owned issuing trust entities	62	62
Standby Letters of Credit
Loss Contingencies
Reserve for unfunded commitments	$ 12	$ 20
Standby letters of credit as a percentage of total letters of credit	99%	99%
Standby Letters of Credit | Secured Debt
Loss Contingencies
Standby letters of credit as a percentage of total letters of credit	76%	72%
Variable Rate Demand Note
Loss Contingencies
Total variable rate demand notes	$ 356	$ 400
Letters of credit issued related to variable rate demand notes	45	83
Variable Rate Demand Note | Debt Securities
Loss Contingencies
Total variable rate demand notes	0	6
Other Liabilities
Loss Contingencies
Reserve for unfunded commitments	134	166
Other Liabilities | Residential mortgage loans
Loss Contingencies
Outstanding balances on residential mortgage loans sold with representation and warranty provisions	$ 5	$ 7

Commitments, Contingent Liabi_5

Commitments, Contingent Liabilities and Guarantees - Risk Rating Under the Risk Rating System (Details) - Commitments to Extend Credit - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Line of Credit Facility
Commitments	$ 80,680	$ 81,570
Pass
Line of Credit Facility
Commitments	78,734	79,593
Special mention
Line of Credit Facility
Commitments	850	1,301
Substandard
Line of Credit Facility
Commitments	1,095	676
Doubtful
Line of Credit Facility
Commitments	$ 1	$ 0

Commitments, Contingent Liabi_6

Commitments, Contingent Liabilities and Guarantees - Standby and Commercial Letters of Credit, Conditional Commitments Issued to Guarantee the Performance of a Customer to a Third Party (Details) - Letters of credit $ in Millions	Dec. 31, 2024 USD ($)
Line of Credit Facility
Commitments	$ 1,952
Less than 1 year
Line of Credit Facility
Commitments	980
Less than 1 year | Commercial
Line of Credit Facility
Commitments	2
1 - 5 years
Line of Credit Facility
Commitments	967
1 - 5 years | Commercial
Line of Credit Facility
Commitments	3
Over 5 years
Line of Credit Facility
Commitments	$ 5

Commitments, Contingent Liabi_7

Commitments, Contingent Liabilities and Guarantees - Letters of Credit (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Off-balance Sheet Risks, Disclosure Information
Letters of credit	$ 1,952	$ 2,095
Pass
Fair Value, Off-balance Sheet Risks, Disclosure Information
Letters of credit	1,779	1,902
Special mention
Fair Value, Off-balance Sheet Risks, Disclosure Information
Letters of credit	60	81
Substandard
Fair Value, Off-balance Sheet Risks, Disclosure Information
Letters of credit	110	112
Doubtful
Fair Value, Off-balance Sheet Risks, Disclosure Information
Letters of credit	$ 3	$ 0

Commitments, Contingent Liabi_8

Commitments, Contingent Liabilities and Guarantees - Visa Funding and Bancorp Cash Payments (Details) - USD ($) $ in Millions	3 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2019	Jun. 30, 2018	Sep. 30, 2014	Sep. 30, 2012	Mar. 31, 2012	Jun. 30, 2011	Dec. 31, 2010	Jun. 30, 2010	Dec. 31, 2008
Visa Funding Amount
Loss Contingencies
Escrow Deposit	$ 1,500	$ 150	$ 500	$ 350	$ 600	$ 250	$ 300	$ 600	$ 450	$ 150	$ 1,565	$ 400	$ 800	$ 500	$ 3,000
Bancorp Cash Payment Amount
Loss Contingencies
Cash Payment Amount	$ 65	$ 6	$ 21	$ 15	$ 25	$ 11	$ 12	$ 26	$ 18	$ 6	$ 75	$ 19	$ 35	$ 20

Legal and Regulatory Proceedi_2

Legal and Regulatory Proceedings (Details) $ in Millions					1 Months Ended	12 Months Ended
	Jul. 09, 2024 USD ($)	Mar. 29, 2023 USD ($)	May 28, 2019 USD ($)	Sep. 17, 2018 USD ($)	Oct. 31, 2012 merchant	Dec. 31, 2013 lawsuit	Dec. 31, 2024 USD ($) attorney state	Aug. 03, 2012
Loss Contingencies
Apr percentage allegedly misleading								120%
Number of putative class actions filed | lawsuit						4
Damages sought			$ 440
Damages awarded		$ 2
Number of state attorneys | attorney							17
Number of state attorneys included in the coalition, Power Home Solar customers | state							11
Number of states in coalition | state							17
Amount in excess of amounts reserved							$ 92
Federal Lawsuits
Loss Contingencies
Number of merchants requesting exclusion | merchant					500
Class Action Settlement
Loss Contingencies
Total payment by all defendants				$ 6,240
Amount awarded to other party, escrow				5,340
Amount awarded to other party, additional				900
Escrow funds returned to defendants				$ 700
Civil Monetary Penalty, Consent Order | Bureau of Consumer Financial Protection v Fifth Third Bank
Loss Contingencies
Damages awarded	$ 5
Civil Monetary Penalty, Stipulated Final Judgement | Bureau of Consumer Financial Protection v Fifth Third Bank
Loss Contingencies
Damages awarded	$ 15

Related Party Transactions - Su

Related Party Transactions - Summary of the Bancorp's Activities with its Principal Shareholders, Directors and Executives (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Related Party Transactions
Outstanding balance on loans, net of participations and undrawn commitments	$ 117,439	$ 114,912
Related Party
Related Party Transactions
Outstanding balance on loans, net of participations and undrawn commitments	56	111
Commitments to Extend Credit
Related Party Transactions
Commitments	80,680	81,570
Commitments to Extend Credit | Directors and their affiliated companies
Related Party Transactions
Commitments	162	165
Commitments to Extend Credit | Executive officers
Related Party Transactions
Commitments	3	3
Commitments to Extend Credit | Related Party
Related Party Transactions
Commitments	$ 165	$ 168

Income Taxes - Applicable Incom

Income Taxes - Applicable Income Taxes Included in the Consolidated Statements of Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Current income tax expense:
U.S. Federal income taxes	$ 452	$ 647	$ 570
State and local income taxes	75	96	126
Foreign income taxes	3	2	11
Total current income tax expense	530	745	707
Deferred income tax expense (benefit):
U.S. Federal income taxes	84	(81)	(31)
State and local income taxes	(13)	(23)	(29)
Foreign income taxes	1	(2)	0
Total deferred income tax expense (benefit)	72	(106)	(60)
Applicable income tax expense	$ 602	$ 639	$ 647

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Amortization for qualifying CDC investments	$ 200,000,000	$ 200,000,000	$ 189,000,000
Deferred tax assets related to state net operating loss carryforwards	6,000,000	11,000,000
State net operating loss carryforwards specific valuation allowances	7,000,000	5,000,000
Interest expense recognized in connection with income taxes	1,000,000	2,000,000	$ 1,000,000
Accrued interest liabilities, net of the related tax benefits	11,000,000	10,000,000
Liabilities for penalties related to income taxes	0	0
Allocation of earnings for bad debt deductions of former thrift subsidiaries included in retained earnings	$ 157,000,000	$ 157,000,000

Income Taxes - Reconciliation B

Income Taxes - Reconciliation Between the Federal Statutory Corporate Tax Rate and the Bancorp's Effective Tax Rate (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Statutory tax rate	21%	21%	21%
Increase (decrease) resulting from:
State taxes, net of federal benefit	1.70%	1.90%	2.50%
Tax-exempt income	(0.90%)	(0.80%)	(0.80%)
Tax credits and other tax benefits from CDC investments	(8.50%)	(7.70%)	(7.10%)
Proportional amortization of qualifying CDC investments	0.068	0.067	0.061
Other tax credits	(0.10%)	(0.70%)	(0.40%)
Other, net	0.60%	1%	(0.30%)
Effective tax rate	20.60%	21.40%	21%

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of the Beginning and Ending Amounts of the Bancorp's Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Unrecognized Tax Benefits [Roll Forward]
Unrecognized tax benefits at January 1	$ 97	$ 94	$ 102
Gross increases for tax positions taken during prior period	12	14	3
Gross decreases for tax positions taken during prior period	(7)	(5)	(5)
Gross increases for tax positions taken during current period	21	15	11
Settlements with taxing authorities	(1)	(1)	0
Lapse of applicable statute of limitations	(21)	(20)	(17)
Unrecognized tax benefits at December 31	$ 101	$ 97	$ 94

Income Taxes - Deferred Income

Income Taxes - Deferred Income Taxes Included in Other Assets in the Consolidated Balance Sheets (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Other comprehensive income	$ 1,459	$ 1,395
Allowance for loan and lease losses	494	488
Loan origination fees and costs	199	195
Deferred compensation	115	114
Reserves	38	33
State deferred taxes	35	43
Reserves for unfunded commitments	28	35
Federal net operating loss carryforwards	7	19
State net operating loss carryforwards	6	11
Other	138	135
Total deferred tax assets	2,519	2,468
Deferred tax liabilities:
Lease financing	583	551
MSRs and related economic hedges	153	141
Bank premises and equipment	76	68
Goodwill and intangible assets	64	70
Investments in joint ventures and partnership interests	48	58
Other	168	143
Total deferred tax liabilities	1,092	1,031
Total net deferred tax asset	$ 1,427	$ 1,437

Retirement and Benefit Plans -

Retirement and Benefit Plans - Defined Benefit Retirement Plans with Overfunded and Underfunded Status (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at January 1	$ 102
Fair value of plan assets at December 31	87	$ 102
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Interest cost	5	6	$ 5
Underfunded defined benefit pension plans
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at January 1	102	109
Actual return on assets	(3)	5
Contributions	1	2
Settlement	(7)	(7)
Benefits paid	(6)	(7)
Fair value of plan assets at December 31	87	102	109
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Projected benefit obligation at January 1	113	120
Interest cost	5	6
Settlement	(7)	(7)
Actuarial (gain) loss	(5)	1
Benefits paid	(6)	(7)
Projected benefit obligation at December 31	100	113	$ 120
Underfunded projected benefit obligation at December 31	(13)	(11)
Accumulated benefit obligation at December 31	$ 100	$ 113

Retirement and Benefit Plans _2

Retirement and Benefit Plans - Net Periodic Benefit Cost and Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Components of net periodic benefit cost:
Interest cost	$ 5	$ 6	$ 5
Expected return on assets	(5)	(5)	(4)
Amortization of net actuarial loss	2	2	3
Settlement	2	2	3
Net periodic benefit cost	4	5	7
Other changes in plan assets and benefit obligations recognized in other comprehensive income:
Net actuarial loss (gain)	2	1	(11)
Amortization of net actuarial loss	(2)	(2)	(3)
Settlement	(1)	(2)	(3)
Total recognized in other comprehensive income	(1)	(3)	(17)
Total recognized in net periodic benefit cost and other comprehensive income	$ 3	$ 2	$ (10)

Retirement and Benefit Plans _3

Retirement and Benefit Plans - Plan Assets Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Defined Benefit Plan Disclosure
Plan assets	$ 87	$ 102
Cash equivalents
Defined Benefit Plan Disclosure
Plan assets	3	7
Total debt securities
Defined Benefit Plan Disclosure
Plan assets	84	95
U.S. Treasury and federal agencies securities
Defined Benefit Plan Disclosure
Plan assets	51	55
Asset-backed securities and other debt securities
Defined Benefit Plan Disclosure
Plan assets	33	40
Level 1
Defined Benefit Plan Disclosure
Plan assets	51	59
Level 1 | Cash equivalents
Defined Benefit Plan Disclosure
Plan assets	3	7
Level 1 | Total debt securities
Defined Benefit Plan Disclosure
Plan assets	48	52
Level 1 | U.S. Treasury and federal agencies securities
Defined Benefit Plan Disclosure
Plan assets	48	52
Level 1 | Asset-backed securities and other debt securities
Defined Benefit Plan Disclosure
Plan assets	0	0
Level 2
Defined Benefit Plan Disclosure
Plan assets	36	43
Level 2 | Cash equivalents
Defined Benefit Plan Disclosure
Plan assets	0	0
Level 2 | Total debt securities
Defined Benefit Plan Disclosure
Plan assets	36	43
Level 2 | U.S. Treasury and federal agencies securities
Defined Benefit Plan Disclosure
Plan assets	3	3
Level 2 | Asset-backed securities and other debt securities
Defined Benefit Plan Disclosure
Plan assets	33	40
Level 3
Defined Benefit Plan Disclosure
Plan assets	0	0
Level 3     | Cash equivalents
Defined Benefit Plan Disclosure
Plan assets	0	0
Level 3     | Total debt securities
Defined Benefit Plan Disclosure
Plan assets	0	0
Level 3     | U.S. Treasury and federal agencies securities
Defined Benefit Plan Disclosure
Plan assets	0	0
Level 3     | Asset-backed securities and other debt securities
Defined Benefit Plan Disclosure
Plan assets	$ 0	$ 0

Retirement and Benefit Plans _4

Retirement and Benefit Plans - Plan Assumptions (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
For measuring benefit obligations at year end:
Discount rate	5.58%	5.04%	5.37%
For measuring net periodic benefit cost:
Discount rate	5.08%	5.50%	3.69%
Expected return on plan assets	5.09%	5.52%	3.91%

Retirement and Benefit Plans _5

Retirement and Benefit Plans - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plan Disclosure
Increase in pension expense by lowering both the expected rate of return on the plan and the discount rate by 0.25%	$ 1,000,000
Estimated future defined benefit plan contributions	1,000,000
Estimated pension benefit payments for 2025	12,000,000
Estimated pension benefit payments for 2026	12,000,000
Estimated pension benefit payments for 2027	11,000,000
Estimated pension benefit payments for 2028	10,000,000
Estimated pension benefit payments for 2029	10,000,000
Estimated pension benefit payments for 2030 through 2034	39,000,000
Trustee fees	0	$ 0	$ 0
Qualified defined contribution plan
Defined Benefit Plan Disclosure
Expenses recognized for the Bancorp's defined contribution plan	115,000,000	114,000,000	111,000,000
Non-qualified defined contribution plan
Defined Benefit Plan Disclosure
Expenses recognized for the Bancorp's defined contribution plan	5,000,000	5,000,000	7,000,000
Deferred profit sharing
Defined Benefit Plan Disclosure
Expenses recognized for the Bancorp's defined contribution plan	$ 0	$ 0	$ 0

Retirement and Benefit Plans _6

Retirement and Benefit Plans - Targeted and Actual Weighted Average Asset Allocations by Plan Asset Category (Details)	Dec. 31, 2024	Dec. 31, 2023
Defined Benefit Plan Disclosure
Actual weighted-average asset allocation percentage	100%	100%
Fixed-income securities
Defined Benefit Plan Disclosure
Actual weighted-average asset allocation percentage	95%	90%
Fixed-income securities | Minimum
Defined Benefit Plan Disclosure
Target allocation percentage	50%
Fixed-income securities | Maximum
Defined Benefit Plan Disclosure
Target allocation percentage	100%
Cash or cash equivalents
Defined Benefit Plan Disclosure
Actual weighted-average asset allocation percentage	5%	10%
Cash or cash equivalents | Minimum
Defined Benefit Plan Disclosure
Target allocation percentage	0%
Cash or cash equivalents | Maximum
Defined Benefit Plan Disclosure
Target allocation percentage	100%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income - Activity in AOCI (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Pretax unrealized losses	$ (196)	$ 823	$ (8,284)
Other comprehensive income (loss), tax effect	47	(200)	1,967
Other comprehensive (loss) income, net of tax	(149)	623	(6,317)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning Balance	19,172	17,327	22,210
Other comprehensive (loss) income, net of tax	(149)	623	(6,317)
Ending Balance	19,645	19,172	17,327
AOCI
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive (loss) income, net of tax	(149)	623	(6,317)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning Balance	(4,487)	(5,110)	1,207
Other comprehensive (loss) income, net of tax	(149)	623	(6,317)
Ending Balance	(4,636)	(4,487)	(5,110)
Net unrealized gains on available-for-sale debt securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Available-for-sale debt securities transferred to held-to-maturity securities	27	656	(7,194)
Other comprehensive income (loss), before reclassifications, tax effect	(12)	(162)	1,716
Other comprehensive income (loss), before reclassifications, net activity	15	494	(5,478)
Reclassification adjustment, pre-tax activity	18	1	(2)
Reclassification adjustment, tax effect	(4)	0	0
Reclassification adjustment, net activity	14	1	(2)
Pretax unrealized losses	1,039	657	(7,196)
Other comprehensive income (loss), tax effect	(225)	(162)	1,716
Other comprehensive (loss) income, net of tax	814	495	(5,480)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning Balance	(4,094)	(4,589)	891
Other comprehensive (loss) income, net of tax	814	495	(5,480)
Ending Balance	(3,280)	(4,094)	(4,589)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale Transferred to Held-to-Maturity, Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Available-for-sale debt securities transferred to held-to-maturity securities	(994)
Other comprehensive income (loss), before reclassifications, tax effect	209
Other comprehensive income (loss), before reclassifications, net activity	(785)
Reclassification adjustment, pre-tax activity	129
Reclassification adjustment, tax effect	(28)
Reclassification adjustment, net activity	101
Pretax unrealized losses	(865)
Other comprehensive income (loss), tax effect	181
Other comprehensive (loss) income, net of tax	(684)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning Balance	0
Other comprehensive (loss) income, net of tax	(684)
Ending Balance	(684)	0
Cash flow hedge derivatives
Accumulated Other Comprehensive Income (Loss) [Line Items]
Available-for-sale debt securities transferred to held-to-maturity securities	(724)	(171)	(1,006)
Other comprehensive income (loss), before reclassifications, tax effect	172	40	232
Other comprehensive income (loss), before reclassifications, net activity	(552)	(131)	(774)
Reclassification adjustment, pre-tax activity	351	334	(99)
Reclassification adjustment, tax effect	(81)	(77)	22
Reclassification adjustment, net activity	270	257	(77)
Pretax unrealized losses	(373)	163	(1,105)
Other comprehensive income (loss), tax effect	91	(37)	254
Other comprehensive (loss) income, net of tax	(282)	126	(851)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning Balance	(372)	(498)	353
Other comprehensive (loss) income, net of tax	(282)	126	(851)
Ending Balance		(372)	(498)
Defined benefit pension plants, net
Accumulated Other Comprehensive Income (Loss) [Line Items]
Available-for-sale debt securities transferred to held-to-maturity securities	(2)	(1)	11
Other comprehensive income (loss), before reclassifications, tax effect	0	0	(2)
Other comprehensive income (loss), before reclassifications, net activity	(2)	(1)	9
Reclassification adjustment, pre-tax activity	3	4	6
Reclassification adjustment, tax effect	0	(1)	(1)
Reclassification adjustment, net activity	3	3	5
Pretax unrealized losses	1	3	17
Other comprehensive income (loss), tax effect	0	(1)	(3)
Other comprehensive (loss) income, net of tax	1	2	14
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning Balance	(17)	(19)	(33)
Other comprehensive (loss) income, net of tax	1	2	14
Ending Balance	(16)	(17)	(19)
Other
Accumulated Other Comprehensive Income (Loss) [Line Items]
Pretax unrealized losses	2	0	0
Other comprehensive income (loss), tax effect	0	0	0
Other comprehensive (loss) income, net of tax	2	0	0
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning Balance	(4)	(4)	(4)
Other comprehensive (loss) income, net of tax	2	0	0
Ending Balance	$ (2)	$ (4)	$ (4)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income - Reclassification Out of AOCI (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Securities gains (losses), net		$ 15	$ 18	$ (84)
Income before income taxes		2,916	2,988	3,093
Applicable income tax expense		(602)	(639)	(647)
Interest and fees on loans and leases		7,477	7,334	4,954
Compensation and benefits	[1]	(2,763)	(2,694)	(2,554)
Net Income		2,314	2,349	2,446
Interest on securities		1,839	1,770	1,517
Other noninterest expense	[1]	973	1,225	932
Reclassification out of AOCI
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Net Income		(390)	(261)	74
Reclassification out of AOCI | Net unrealized gains on available-for-sale debt securities
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Securities gains (losses), net		(18)	(1)	2
Income before income taxes		(18)	(1)	2
Applicable income tax expense		4	0	0
Net Income		(14)	(1)	2
Reclassification out of AOCI | AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale Transferred to Held-to-Maturity, Parent
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Income before income taxes		(129)	0	0
Applicable income tax expense		28	0	0
Net Income		(101)	0	0
Interest on securities		(129)	0	0
Reclassification out of AOCI | Cash flow hedge derivatives
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Income before income taxes		(351)	(334)	99
Applicable income tax expense		81	77	(22)
Interest and fees on loans and leases		(351)	(334)	99
Net Income		(270)	(257)	77
Reclassification out of AOCI | Amortization of net actuarial loss
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Income before income taxes		(3)	(4)	(6)
Applicable income tax expense		0	1	1
Compensation and benefits		(2)	(2)	(3)
Net Income		(3)	(3)	(5)
Reclassification out of AOCI | Settlements
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Compensation and benefits		(1)	(2)	(3)
Reclassification out of AOCI | Other
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Income before income taxes		(2)	0	0
Applicable income tax expense		0	0	0
Net Income		(2)	0	0
Other noninterest expense		$ (2)	$ 0	$ 0
[1] During the fourth quarter of 2024, certain noninterest income and noninterest expense line items were reclassified to better align disclosures to business activities. These reclassifications were retrospectively applied to all prior periods presented. Total noninterest income and noninterest expense did not change as a result of these reclassifications. Refer to Note 1 for additional information.

Common, Preferred and Treasur_3

Common, Preferred and Treasury Stock - Share Activity within Common, Preferred and Treasury Stock (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Value
Beginning Balance	$ 19,172	$ 17,327	$ 22,210
Shares acquired for treasury	(630)	(201)	(100)
Ending Balance	19,645	19,172	17,327
Common Stock
Value
Beginning Balance	2,051	2,051	2,051
Ending Balance	$ 2,051	$ 2,051	$ 2,051
Shares
Beginning balance (in shares)	923,892,581	923,892,581	923,892,581
Ending balance (in shares)	923,892,581	923,892,581	923,892,581
Preferred Stock
Value
Beginning Balance	$ 2,116	$ 2,116	$ 2,116
Ending Balance	$ 2,116	$ 2,116	$ 2,116
Shares
Beginning balance (in shares)	278,000	278,000	278,000
Ending balance (in shares)	278,000	278,000	278,000
Treasury Stock
Value
Beginning Balance	$ (7,262)	$ (7,103)	$ (7,024)
Shares acquired for treasury	(630)	(201)	(100)
Impact of stock transactions under stock compensation plans, net	52	42	21
Other			0
Ending Balance	$ (7,840)	$ (7,262)	$ (7,103)
Shares
Beginning balance (in shares)	242,767,771	240,506,701	241,114,917
Shares acquired for treasury (in shares)	15,043,170	5,589,996	3,079,462
Impact of stock transactions under stock compensation plans, net (in shares)	(3,772,190)	(3,328,926)	(3,687,834)
Other (in shares)			156
Ending balance (in shares)	254,038,751	242,767,771	240,506,701

Common, Preferred and Treasur_4

Common, Preferred and Treasury Stock - Additional Information (Details) - USD ($) $ / shares in Units, $ in Millions

12 Months Ended

Dec. 31, 2023

Sep. 30, 2023

Jul. 30, 2020

Sep. 30, 2019

Sep. 17, 2019

Aug. 26, 2019

Jun. 05, 2014

Dec. 09, 2013

May 16, 2013

Dec. 31, 2024

Dec. 31, 2023

Jun. 30, 2019

Jun. 18, 2019

Class of Stock [Line Items]

Preferred stock, liquidation preference per share (in dollars per share)

$ 25,000

$ 25,000

$ 25,000

Number of shares authorized to be repurchased (in shares)

100,000,000

100,000,000

Increase in cost basis of stock repurchased due to excise taxes

$ 5

$ 1

Preferred stock, Series L

Class of Stock [Line Items]

Issuance of preferred shares (in shares)

350,000

Preferred stock, issued (in shares)

14,000

Preferred stock, dividend rate (as a percent)

4.50%

Issuance of preferred shares

$ 346

Preferred stock, liquidation preference per share (in dollars per share)

$ 25,000

Preferred stock, redemption percentage

100%

Preferred stock, Series L | U.S. Treasury Rate

Class of Stock [Line Items]

Preferred stock, basis spread on variable rate (as a percent)

4.215%

Preferred Stock Series K

Class of Stock [Line Items]

Issuance of preferred shares (in shares)

10,000,000

Preferred stock, issued (in shares)

10,000

Preferred stock, dividend rate (as a percent)

4.95%

Issuance of preferred shares

$ 242

Preferred stock, liquidation preference per share (in dollars per share)

$ 25,000

Preferred Stock Class B, Series A

Class of Stock [Line Items]

Issuance of preferred shares (in shares)

200,000

Preferred stock, dividend rate (as a percent)

6%

Preferred stock, liquidation preference per share (in dollars per share)

$ 1,000

$ 1,000

$ 1,000

$ 1,000

Preferred stock, Series J

Class of Stock [Line Items]

Issuance of preferred shares (in shares)

300,000

Preferred stock, issued (in shares)

12,000

Preferred stock, dividend rate (as a percent)

4.90%

Issuance of preferred shares

$ 297

Preferred stock, liquidation preference per share (in dollars per share)

$ 25,000

Preferred stock, Series J | LIBOR

Class of Stock [Line Items]

Preferred stock, basis spread on variable rate (as a percent)

3.129%

Preferred stock, Series J | Secured Overnight Financing Rate (SOFR)

Class of Stock [Line Items]

Preferred stock, basis spread on variable rate (as a percent)

3.129%

Tenor spread adjustment

0.0026161

Preferred stock, Series I

Class of Stock [Line Items]

Issuance of preferred shares (in shares)

18,000,000

Preferred stock, issued (in shares)

18,000

Preferred stock, dividend rate (as a percent)

6.625%

Issuance of preferred shares

$ 441

Preferred stock, liquidation preference per share (in dollars per share)

$ 25,000

Preferred stock, Series I | Secured Overnight Financing Rate (SOFR)

Class of Stock [Line Items]

Preferred stock, basis spread on variable rate (as a percent)

3.71%

Tenor spread adjustment

0.0026161

Preferred stock, Series H

Class of Stock [Line Items]

Issuance of preferred shares (in shares)

600,000

Preferred stock, issued (in shares)

24,000

Preferred stock, dividend rate (as a percent)

5.10%

Issuance of preferred shares

$ 593

Preferred stock, liquidation preference per share (in dollars per share)

$ 25,000

Preferred stock, Series H | LIBOR

Class of Stock [Line Items]

Preferred stock, basis spread on variable rate (as a percent)

3.033%

Preferred stock, Series H | Secured Overnight Financing Rate (SOFR)

Class of Stock [Line Items]

Preferred stock, basis spread on variable rate (as a percent)

3.033%

Tenor spread adjustment

0.0026161

Common, Preferred and Treasur_5

Common, Preferred and Treasury Stock - Treasury Stock (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accelerated Share Repurchases [Line Items]
Amount	$ 630	$ 201	$ 100
January 24, 2023 ASR
Accelerated Share Repurchases [Line Items]
Amount		$ 200
Shares Repurchased on Repurchase Date (in shares)		4,911,875
Shares Received from Forward Contract Settlement (in shares)		678,121
Total Shares Repurchased (in shares)		5,589,996
June 12, 2024 ASR
Accelerated Share Repurchases [Line Items]
Amount	$ 125
Shares Repurchased on Repurchase Date (in shares)	3,011,621
Shares Received from Forward Contract Settlement (in shares)	496,767
Total Shares Repurchased (in shares)	3,508,388
July 23, 2024 ASR
Accelerated Share Repurchases [Line Items]
Amount	$ 200
Shares Repurchased on Repurchase Date (in shares)	4,160,548
Shares Received from Forward Contract Settlement (in shares)	713,340
Total Shares Repurchased (in shares)	4,873,888
October 21, 2024 ASR
Accelerated Share Repurchases [Line Items]
Amount	$ 300
Shares Repurchased on Repurchase Date (in shares)	5,879,640
Shares Received from Forward Contract Settlement (in shares)	781,254
Total Shares Repurchased (in shares)	6,660,894

Stock-Based Compensation - Addi

Stock-Based Compensation - Additional Information (Details) - USD ($) $ / shares in Units, $ in Millions	9 Months Ended	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Apr. 16, 2024	Dec. 31, 2021
Employee Stock Ownership Plan (ESOP) Disclosures
Share available for future issuance (in shares)	54,500,000	54,500,000
The Bancorp's total overhang (potential dilution from share-based compensation) (as a percent)	11%	11%
SARs, RSAs, RSUs, stock options and PSAs outstanding as a percentage of issued shares	2%	2%
Annual return on tangible common equity performance hurdle (as a percent)	2%	2%
Stock-based compensation expense		$ 164	$ 169	$ 165
Income tax benefit related to stock-based compensation expense		$ 34	$ 35	$ 34
Options granted (in shares)		0	0	0
Expected dividend yield		4.20%	3.60%	3.40%
Expected life (in years)		7 years	7 years	7 years
Intrinsic value of stock options exercised		$ 2	$ 1	$ 2
Cash received from stock options exercised		2	$ 1	$ 1
Aggregate intrinsic value of exercisable options	$ 2	$ 2
Shares vested (in shares)		0	0	0
2024 Incentive Compensation Plan
Employee Stock Ownership Plan (ESOP) Disclosures
Stock authorized for issuance (in shares)					55,000,000
SARs
Employee Stock Ownership Plan (ESOP) Disclosures
Award term		10 years
Award vesting period		3 years
Award performance period		3 years
Stock-based compensation expense		$ 2
Weighted-average grant-date fair value per share (in dollars per share)		$ 9.71	$ 10.49	$ 12.76
Total grant-date fair value		$ 3	$ 3	$ 2
Shares granted (in shares)		316,000	253,000	304,000
Number of shares/units outstanding (in shares)	4,636,000	4,636,000	7,331,000	9,112,000		11,185,000
Weighted-average period over which expense is expected to be recognized		1 year 9 months 18 days
Exercisable, weighted- average remaining contractual life (in years)		2 years 8 months 12 days
SARs | Range 4 [Member]
Employee Stock Ownership Plan (ESOP) Disclosures
Number of shares/units outstanding (in shares)	243,000	243,000
Exercisable, weighted- average remaining contractual life (in years)		7 years 1 month 6 days
RSAs and RSUs | Tranche One
Employee Stock Ownership Plan (ESOP) Disclosures
Award vesting period		3 years
Award performance period		3 years
RSAs and RSUs | Tranche Two
Employee Stock Ownership Plan (ESOP) Disclosures
Award vesting period		4 years
Award performance period		4 years
Stock options
Employee Stock Ownership Plan (ESOP) Disclosures
Award term		10 years
Stock options | Tranche One
Employee Stock Ownership Plan (ESOP) Disclosures
Award vesting period		3 years
Stock options | Tranche Two
Employee Stock Ownership Plan (ESOP) Disclosures
Award vesting period		4 years
Performance shares
Employee Stock Ownership Plan (ESOP) Disclosures
Award vesting period		3 years
Award performance period		3 years
Percentage of shares that will be forfeited		33.33%
Weighted-average grant-date fair value per share (in dollars per share)		$ 33.51	$ 37.19	$ 47.03
Shares granted (in shares)		295,000	256,000	288,000
Stock awards distributed (in shares)		355,000	395,000	429,000
Stock award granted, fair value		$ 12	$ 12	$ 11
Performance shares | Minimum
Employee Stock Ownership Plan (ESOP) Disclosures
Stock award granted (in shares)		0
Performance shares | Maximum
Employee Stock Ownership Plan (ESOP) Disclosures
Stock award granted (in shares)		1,200,000
Restricted Stock Units (RSUs)
Employee Stock Ownership Plan (ESOP) Disclosures
Stock-based compensation expense		$ 168
Total grant-date fair value		$ 141	$ 130	$ 110
Shares granted (in shares)		4,546,000	4,763,000	4,682,000
Number of shares/units outstanding (in shares)	10,764,000	10,764,000	10,365,000	9,906,000		9,487,000
Weighted-average period over which expense is expected to be recognized		2 years 3 months 18 days
Employee Stock
Employee Stock Ownership Plan (ESOP) Disclosures
Stock authorized for issuance (in shares)					15,000,000
Stock-based compensation expense		$ 2	$ 2	$ 2
Match on qualifying employees purchase of shares of the Bancorp's common stock (as a percent)	15%	15%
Stock purchased by plan participants (in shares)	278,000	487,000	768,000	520,000
Shares cancelled (in shares)					1,800,000
Available for future issuance (in shares)	14,700,000	14,700,000

Stock-Based Compensation - Sche

Stock-Based Compensation - Schedule of Share-based Payment, Award, Stock Appreciation Rights, Valuation Assumptions (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Expected life (in years)	7 years	7 years	7 years
Expected volatility	33%	31%	31%
Expected dividend yield	4.20%	3.60%	3.40%
Risk-free interest rate	4.10%	3.80%	2.70%

Stock-Based Compensation - Sc_2

Stock-Based Compensation - Schedule of Share-based Compensation, Stock Appreciation Rights Award Activity (Details) - SARs - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number of Non-Option Awards
Outstanding at beginning of period (in shares)	7,331	9,112	11,185
Granted (in shares)	316	253	304
Exercised (in shares)	(3,010)	(2,011)	(2,358)
Forfeited or expired (in shares)	(1)	(23)	(19)
Outstanding at end of period (in shares)	4,636	7,331	9,112
Exercisable at end of period (in shares)	4,063	6,796	8,487
Weighted- Average Grant Price Per Share
Outstanding at beginning of period (in dollars per share)	$ 23.72	$ 22.22	$ 20.47
Granted (in dollars per share)	33.51	37.19	46.96
Exercised (in dollars per share)	20.01	18.42	17.05
Forfeited or expired (in dollars per share)	19.01	40.36	30.43
Outstanding at end of period (in dollars per share)	26.80	23.72	22.22
Exercisable (in dollars per share)	$ 25.39	$ 22.44	$ 20.97

Stock-Based Compensation - Outs

Stock-Based Compensation - Outstanding and Exercisable SARs by Grant Price (Details) - SARs - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award
Number of shares/units outstanding (in shares)	4,636	7,331	9,112	11,185
Outstanding, weighted-average grant price per share (in dollars per share)	$ 26.80	$ 23.72	$ 22.22	$ 20.47
Outstanding, weighted- average remaining contractual life (in years)	3 years 4 months 24 days
Exercisable, number (in shares)	4,063
Exercisable, weighted-average grant price per share (in dollars per share)	$ 25.39	$ 22.44	$ 20.97
Exercisable, weighted- average remaining contractual life (in years)	2 years 8 months 12 days
$10.01-$20.00
Share-based Compensation Arrangement by Share-based Payment Award
Grant price range, lower limit (in usd per share)	$ 10.01
Grant price range, lower limit (in usd per share)	$ 20
Number of shares/units outstanding (in shares)	1,673
Outstanding, weighted-average grant price per share (in dollars per share)	$ 18.28
Outstanding, weighted- average remaining contractual life (in years)	10 months 24 days
Exercisable, number (in shares)	1,673
Exercisable, weighted-average grant price per share (in dollars per share)	$ 18.28
Exercisable, weighted- average remaining contractual life (in years)	10 months 24 days
$20.01-$30.00
Share-based Compensation Arrangement by Share-based Payment Award
Grant price range, lower limit (in usd per share)	$ 20.01
Grant price range, lower limit (in usd per share)	$ 30
Number of shares/units outstanding (in shares)	1,615
Outstanding, weighted-average grant price per share (in dollars per share)	$ 27.10
Outstanding, weighted- average remaining contractual life (in years)	3 years
Exercisable, number (in shares)	1,615
Exercisable, weighted-average grant price per share (in dollars per share)	$ 27.10
Exercisable, weighted- average remaining contractual life (in years)	3 years
$30.01-$40.00
Share-based Compensation Arrangement by Share-based Payment Award
Grant price range, lower limit (in usd per share)	$ 30.01
Grant price range, lower limit (in usd per share)	$ 40
Number of shares/units outstanding (in shares)	1,105
Outstanding, weighted-average grant price per share (in dollars per share)	$ 34.27
Outstanding, weighted- average remaining contractual life (in years)	7 years
Exercisable, number (in shares)	612
Exercisable, weighted-average grant price per share (in dollars per share)	$ 33.90
Exercisable, weighted- average remaining contractual life (in years)	5 years 6 months
Over $40.00
Share-based Compensation Arrangement by Share-based Payment Award
Grant price range, lower limit (in usd per share)	$ 40
Number of shares/units outstanding (in shares)	243
Outstanding, weighted-average grant price per share (in dollars per share)	$ 49.51
Outstanding, weighted- average remaining contractual life (in years)	7 years 1 month 6 days
Exercisable, number (in shares)	163
Exercisable, weighted-average grant price per share (in dollars per share)	$ 49.51
Exercisable, weighted- average remaining contractual life (in years)	7 years 1 month 6 days

Stock-Based Compensation - Sc_3

Stock-Based Compensation - Schedule of Share-based Compensation, Restricted Stock Units Activity (Details) - RSUs - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number of Non-Option Awards
Outstanding at beginning of period (in shares)	10,365	9,906	9,487
Granted (in shares)	4,546	4,763	4,682
Released (in shares)	(3,751)	(3,696)	(3,608)
Forfeited (in shares)	(396)	(608)	(655)
Outstanding at end of period (in shares)	10,764	10,365	9,906
Weighted- Average Grant Price Per Share
Outstanding at beginning of period (in dollars per share)	$ 37.63	$ 38.04	$ 30.67
Granted (in dollars per share)	33.87	34.94	47.11
Released (in dollars per share)	37.54	35.04	30.54
Forfeited (in dollars per share)	36.37	38.75	37.12
Outstanding at end of period (in dollars per share)	$ 36.12	$ 37.63	$ 38.04

Stock-Based Compensation - Ou_2

Stock-Based Compensation - Outstanding RSUs by Grant-Date Fair Value (Details) - RSUs - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award
Number of shares/units outstanding (in shares)	10,764	10,365	9,906	9,487
Weighted-Average Remaining Contractual Life (in years)	1 year 1 month 6 days
Under $25.00
Share-based Compensation Arrangement by Share-based Payment Award
Grant-date fair value range, upper limit (in usd per share)	$ 25
Number of shares/units outstanding (in shares)	554
Weighted-Average Remaining Contractual Life (in years)	4 months 24 days
$25.01-$30.00
Share-based Compensation Arrangement by Share-based Payment Award
Grant-date fair value range, lower limit (in usd per share)	$ 25.01
Grant-date fair value range, upper limit (in usd per share)	$ 30
Number of shares/units outstanding (in shares)	403
Weighted-Average Remaining Contractual Life (in years)	9 months 18 days
$30.01-$35.00
Share-based Compensation Arrangement by Share-based Payment Award
Grant-date fair value range, lower limit (in usd per share)	$ 30.01
Grant-date fair value range, upper limit (in usd per share)	$ 35
Number of shares/units outstanding (in shares)	4,940
Weighted-Average Remaining Contractual Life (in years)	1 year 4 months 24 days
$35.01-$40.00
Share-based Compensation Arrangement by Share-based Payment Award
Grant-date fair value range, lower limit (in usd per share)	$ 35.01
Grant-date fair value range, upper limit (in usd per share)	$ 40
Number of shares/units outstanding (in shares)	3,160
Weighted-Average Remaining Contractual Life (in years)	1 year 2 months 12 days
$40.01-$45.00
Share-based Compensation Arrangement by Share-based Payment Award
Grant-date fair value range, lower limit (in usd per share)	$ 40.01
Grant-date fair value range, upper limit (in usd per share)	$ 45
Number of shares/units outstanding (in shares)	124
Weighted-Average Remaining Contractual Life (in years)	1 year 7 months 6 days
$45.01 and over
Share-based Compensation Arrangement by Share-based Payment Award
Grant-date fair value range, lower limit (in usd per share)	$ 45.01
Number of shares/units outstanding (in shares)	1,583
Weighted-Average Remaining Contractual Life (in years)	7 months 6 days

Stock-Based Compensation - Sc_4

Stock-Based Compensation - Schedule of Share-based Compensation, Stock Options, Activity (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number of Options
Outstanding at beginning of period (in shares)	224	312	409
Exercised (in shares)	(129)	(86)	(97)
Forfeited or expired (in shares)	0	(2)	0
Outstanding at end of period (in shares)	95	224	312
Exercisable at end of period (in shares)	95	224	312
Weighted-Average Exercise Price Per Share
Outstanding at beginning of period (in dollars per share)	$ 21.45	$ 21.65	$ 21.51
Exercised (in dollars per share)	21.03	21.97	21.06
Forfeited or expired (in dollars per share)	0	27.71	0
Outstanding at end of period (in dollars per share)	22.03	21.45	21.65
Exercisable at end of period (in dollars per share)	$ 22.03	$ 21.45	$ 21.65

Stock-Based Compensation - Sc_5

Stock-Based Compensation - Schedule of Outstanding And Exercisable Stock Options Exercise Price (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award
Outstanding stock options, number of options (in shares)	95	224	312	409
Outstanding stock options, weighted - exercise price per share (in dollars per share)	$ 22.03	$ 21.45	$ 21.65	$ 21.51
Outstanding stock options, weighted- average remaining contractual life	1 year 9 months 18 days
Exercisable stock options, number of options (in shares)	95
Exercisable stock options, weighted - exercise price per share (in usd per share)	$ 22.03
Exercisable stock options, weighted - average remaining contractual life	1 year 9 months 18 days
$10.01-$20.00
Share-based Compensation Arrangement by Share-based Payment Award
Exercise price range, lower limit (in usd per share)	$ 10.01
Exercise price range, upper limit (in usd per share)	$ 20
Outstanding stock options, number of options (in shares)	50
Outstanding stock options, weighted - exercise price per share (in dollars per share)	$ 18.58
Outstanding stock options, weighted- average remaining contractual life	9 months 18 days
Exercisable stock options, number of options (in shares)	50
Exercisable stock options, weighted - exercise price per share (in usd per share)	$ 18.58
Exercisable stock options, weighted - average remaining contractual life	9 months 18 days
$20.01-$30.00
Share-based Compensation Arrangement by Share-based Payment Award
Exercise price range, lower limit (in usd per share)	$ 20.01
Exercise price range, upper limit (in usd per share)	$ 30
Outstanding stock options, number of options (in shares)	45
Outstanding stock options, weighted - exercise price per share (in dollars per share)	$ 25.86
Outstanding stock options, weighted- average remaining contractual life	2 years 9 months 18 days
Exercisable stock options, number of options (in shares)	45
Exercisable stock options, weighted - exercise price per share (in usd per share)	$ 25.86
Exercisable stock options, weighted - average remaining contractual life	2 years 9 months 18 days

Other Noninterest Income and _3

Other Noninterest Income and Other Noninterest Expense (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Other noninterest income:
BOLI income		$ 66	$ 61	$ 64
Private equity investment income		35	44	70
Equity method investment income		18	52	22
Income from the TRA associated with Worldpay, Inc.		11	22	46
Gains (losses) on sales of businesses		7	0	(7)
Loss on swap associated with the sale of Visa, Inc. Class B Shares		(138)	(94)	(84)
Other, net		13	6	38
Total other noninterest income		12	91	149
Other noninterest expense:
FDIC insurance and other taxes		181	385	132
Leasing business expense		92	121	131
Losses and adjustments		86	91	91
Data processing		81	87	82
Dues and subscriptions		61	61	58
Travel		60	56	60
Professional service fees		49	53	54
Securities recordkeeping		55	50	48
Cash and coin processing		47	48	44
Intangible amortization		35	43	47
Postal and courier		48	46	40
Other, net		178	184	145
Total other noninterest expense	[1]	$ 973	$ 1,225	$ 932
[1] During the fourth quarter of 2024, certain noninterest income and noninterest expense line items were reclassified to better align disclosures to business activities. These reclassifications were retrospectively applied to all prior periods presented. Total noninterest income and noninterest expense did not change as a result of these reclassifications. Refer to Note 1 for additional information.

Earnings Per Share - Calculatio

Earnings Per Share - Calculation of Earnings Per Share and the Reconciliation of Earnings Per Share to Earnings Per Diluted Share (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Earnings Per Share [Abstract]
Net income available to common shareholders	$ 2,155	$ 2,212	$ 2,330
Less: Income allocated to participating securities	0	0	2
Net income allocated to common shareholders	$ 2,155	$ 2,212	$ 2,328
Average common shares outstanding - basic (in shares)	682,160,985	684,172,079	688,633,659
Effect of dilutive stock-based awards (in shares)	5,000,000	4,000,000	6,000,000
Average common shares outstanding - diluted (in shares)	687,300,837	687,678,291	694,952,038
Earnings per share - basic (in dollars per share)	$ 3.16	$ 3.23	$ 3.38
Earnings per share - diluted (in dollars per share)	$ 3.14	$ 3.22	$ 3.35
Anti-dilutive stock-based awards excluded from diluted shares (in shares)	1,000,000	6,000,000	3,000,000

Fair Value Measurements - Asset

Fair Value Measurements - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Assets:
Available-for-sale debt and other securities	$ 39,547	$ 50,419
Equity securities	341	613
Derivative assets	2,472	2,677
Liabilities:
Total derivative liabilities	$ 2,798	$ 2,999
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets	Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities	Other liabilities
Residential mortgage
Assets:
Residential mortgage loans	$ 108	$ 116
U.S. Treasury and federal agencies securities
Assets:
Available-for-sale debt and other securities	4,360	4,336
Obligations of states and political subdivisions securities
Assets:
Available-for-sale debt and other securities	0	2
Asset-backed securities and other debt securities
Assets:
Available-for-sale debt and other securities	3,729	4,912
Other securities
Assets:
Available-for-sale debt and other securities	778	722
Liabilities:
FHLB, restricted stock holdings	276	224
FRB, restricted stock holdings	500	496
DTCC, restricted stock holdings	2	2
Level 3     | Interest rate contracts
Assets:
Derivative assets	2	6	$ 7
Liabilities:
Total derivative liabilities	5	6	$ 8
Recurring
Assets:
Available-for-sale debt and other securities	38,769	49,697
Trading debt securities	1,185	899
Equity securities	341	613
Residential mortgage loans held for sale	574	334
Derivative assets	2,472	2,677
Total assets	45,153	56,073
Liabilities:
Total derivative liabilities	2,798	2,999
Short positions	316	107
Total liabilities	3,114	3,106
Recurring | Interest rate contracts
Assets:
Derivative assets	730	983
Liabilities:
Total derivative liabilities	944	1,213
Recurring | Foreign exchange contracts
Assets:
Derivative assets	1,167	643
Liabilities:
Total derivative liabilities	1,120	600
Recurring | Equity contracts
Liabilities:
Total derivative liabilities	170	168
Recurring | Commodity contracts
Assets:
Derivative assets	575	1,051
Liabilities:
Total derivative liabilities	564	1,018
Recurring | Servicing rights
Assets:
Servicing rights	1,704	1,737
Recurring | Residential mortgage
Assets:
Residential mortgage loans	108	116
Recurring | U.S. Treasury and federal agencies securities
Assets:
Available-for-sale debt and other securities	4,360	4,336
Trading debt securities	626	647
Liabilities:
Short positions	139	31
Recurring | Obligations of states and political subdivisions securities
Assets:
Available-for-sale debt and other securities	0	2
Trading debt securities	120	39
Recurring | Agency mortgage-backed securities | Residential mortgage
Assets:
Available-for-sale debt and other securities	5,681	10,282
Trading debt securities	10	6
Recurring | Agency mortgage-backed securities | Commercial
Assets:
Available-for-sale debt and other securities	20,832	25,720
Recurring | Non-agency mortgage-backed securities | Commercial
Assets:
Available-for-sale debt and other securities	4,167	4,445
Recurring | Asset-backed securities and other debt securities
Assets:
Available-for-sale debt and other securities	3,729	4,912
Trading debt securities	429	207
Liabilities:
Short positions	156	76
Recurring | Equity securities
Liabilities:
Short positions	21
Recurring | Level 1
Assets:
Available-for-sale debt and other securities	4,360	4,336
Trading debt securities	591	640
Equity securities	307	600
Residential mortgage loans held for sale	0	0
Derivative assets	82	205
Total assets	5,340	5,781
Liabilities:
Total derivative liabilities	57	33
Short positions	160	31
Total liabilities	217	64
Recurring | Level 1 | Interest rate contracts
Assets:
Derivative assets	7	0
Liabilities:
Total derivative liabilities	0	5
Recurring | Level 1 | Foreign exchange contracts
Assets:
Derivative assets	0	0
Liabilities:
Total derivative liabilities	0	0
Recurring | Level 1 | Equity contracts
Liabilities:
Total derivative liabilities	0	0
Recurring | Level 1 | Commodity contracts
Assets:
Derivative assets	75	205
Liabilities:
Total derivative liabilities	57	28
Recurring | Level 1 | Servicing rights
Assets:
Servicing rights	0	0
Recurring | Level 1 | Residential mortgage
Assets:
Residential mortgage loans	0	0
Recurring | Level 1 | U.S. Treasury and federal agencies securities
Assets:
Available-for-sale debt and other securities	4,360	4,336
Trading debt securities	591	640
Liabilities:
Short positions	139	31
Recurring | Level 1 | Obligations of states and political subdivisions securities
Assets:
Available-for-sale debt and other securities	0	0
Trading debt securities	0	0
Recurring | Level 1 | Agency mortgage-backed securities | Residential mortgage
Assets:
Available-for-sale debt and other securities	0	0
Trading debt securities	0	0
Recurring | Level 1 | Agency mortgage-backed securities | Commercial
Assets:
Available-for-sale debt and other securities	0	0
Recurring | Level 1 | Non-agency mortgage-backed securities | Commercial
Assets:
Available-for-sale debt and other securities	0	0
Recurring | Level 1 | Asset-backed securities and other debt securities
Assets:
Available-for-sale debt and other securities	0	0
Trading debt securities	0	0
Liabilities:
Short positions	0	0
Recurring | Level 1 | Equity securities
Liabilities:
Short positions	21
Recurring | Level 2
Assets:
Available-for-sale debt and other securities	34,409	45,361
Trading debt securities	594	259
Equity securities	34	13
Residential mortgage loans held for sale	574	334
Derivative assets	2,388	2,466
Total assets	37,999	48,433
Liabilities:
Total derivative liabilities	2,566	2,792
Short positions	156	76
Total liabilities	2,722	2,868
Recurring | Level 2 | Interest rate contracts
Assets:
Derivative assets	721	977
Liabilities:
Total derivative liabilities	939	1,202
Recurring | Level 2 | Foreign exchange contracts
Assets:
Derivative assets	1,167	643
Liabilities:
Total derivative liabilities	1,120	600
Recurring | Level 2 | Equity contracts
Liabilities:
Total derivative liabilities	0	0
Recurring | Level 2 | Commodity contracts
Assets:
Derivative assets	500	846
Liabilities:
Total derivative liabilities	507	990
Recurring | Level 2 | Servicing rights
Assets:
Servicing rights	0	0
Recurring | Level 2 | Residential mortgage
Assets:
Residential mortgage loans	0	0
Recurring | Level 2 | U.S. Treasury and federal agencies securities
Assets:
Available-for-sale debt and other securities	0	0
Trading debt securities	35	7
Liabilities:
Short positions	0	0
Recurring | Level 2 | Obligations of states and political subdivisions securities
Assets:
Available-for-sale debt and other securities	0	2
Trading debt securities	120	39
Recurring | Level 2 | Agency mortgage-backed securities | Residential mortgage
Assets:
Available-for-sale debt and other securities	5,681	10,282
Trading debt securities	10	6
Recurring | Level 2 | Agency mortgage-backed securities | Commercial
Assets:
Available-for-sale debt and other securities	20,832	25,720
Recurring | Level 2 | Non-agency mortgage-backed securities | Commercial
Assets:
Available-for-sale debt and other securities	4,167	4,445
Recurring | Level 2 | Asset-backed securities and other debt securities
Assets:
Available-for-sale debt and other securities	3,729	4,912
Trading debt securities	429	207
Liabilities:
Short positions	156	76
Recurring | Level 2 | Equity securities
Liabilities:
Short positions	0
Recurring | Level 3
Assets:
Available-for-sale debt and other securities	0	0
Trading debt securities	0	0
Equity securities	0	0
Residential mortgage loans held for sale	0	0
Derivative assets	2	6
Total assets	1,814	1,859
Liabilities:
Total derivative liabilities	175	174
Short positions	0	0
Total liabilities	175	174
Recurring | Level 3     | Interest rate contracts
Assets:
Derivative assets	2	6
Liabilities:
Total derivative liabilities	5	6
Recurring | Level 3     | Foreign exchange contracts
Assets:
Derivative assets	0	0
Liabilities:
Total derivative liabilities	0	0
Recurring | Level 3     | Equity contracts
Liabilities:
Total derivative liabilities	170	168
Recurring | Level 3     | Commodity contracts
Assets:
Derivative assets	0	0
Liabilities:
Total derivative liabilities	0	0
Recurring | Level 3     | Servicing rights
Assets:
Servicing rights	1,704	1,737
Recurring | Level 3     | Residential mortgage
Assets:
Residential mortgage loans	108	116
Recurring | Level 3     | U.S. Treasury and federal agencies securities
Assets:
Available-for-sale debt and other securities	0	0
Trading debt securities	0	0
Liabilities:
Short positions	0	0
Recurring | Level 3     | Obligations of states and political subdivisions securities
Assets:
Available-for-sale debt and other securities	0	0
Trading debt securities	0	0
Recurring | Level 3     | Agency mortgage-backed securities | Residential mortgage
Assets:
Available-for-sale debt and other securities	0	0
Trading debt securities	0	0
Recurring | Level 3     | Agency mortgage-backed securities | Commercial
Assets:
Available-for-sale debt and other securities	0	0
Recurring | Level 3     | Non-agency mortgage-backed securities | Commercial
Assets:
Available-for-sale debt and other securities	0	0
Recurring | Level 3     | Asset-backed securities and other debt securities
Assets:
Available-for-sale debt and other securities	0	0
Trading debt securities	0	0
Liabilities:
Short positions	0	$ 0
Recurring | Level 3     | Equity securities
Liabilities:
Short positions	$ 0

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Net fair value of the interest rate lock commitments	$ 2
Change in the fair value of the interest rate lock commitments, due to decrease in current interest rates of 25 bps	2
Change in the fair value of the interest rate lock commitments, due to decrease in current interest rates of 50 bps	3
Change in the fair value of the interest rate lock commitments, due to increase in current interest rates of 25 bps	2
Change in the fair value of the interest rate lock commitments, due to increase in current interest rates of 50 bps	4
Change in fair value of interest rate lock commitments, due to 10% favorable changes in the assumed loan closing rates	0
Change in fair value of interest rate lock commitments, due to 20% favorable changes in the assumed loan closing rates	0
Change in fair value of interest rate lock commitments, due to 20% adverse changes in the assumed loan closing rates	0
Change in fair value of interest rate lock commitments, due to 10% adverse changes in the assumed loan closing rates	0
Private equity, observable price change adjustment	11	$ 0
Private equity, cumulative observable price change	20
Private equity, impairment	0	2
Private equity, cumulative impairment	15
Residential Mortgage
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Fair value changes included in earnings for instruments for which the fair value option was elected	11	6
FVO valuation adjustments related to instrument-specific credit risk	$ 0	$ 0

Fair Value Measurements - Recon

Fair Value Measurements - Reconciliation of Assets and Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation
Balance, beginning of period	$ 1,685	$ 1,673	$ 1,065
Included in earnings	(175)	(144)	97
Purchases/originations	48	93	449
Sales	(5)
Settlements	82	57	52
Transfers into Level 3	4	6	10
Balance, end of period	1,639	1,685	1,673
The amount of total (losses) gains for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held	(119)	(115)	215
Derivative assets	2,472	2,677
Derivative liabilities	2,798	2,999
Unrealized gains or losses included in other comprehensive income for instruments still held	0	0	0
Interest Rate Contract | Level 3
Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation
Derivative assets	2	6	7
Derivative liabilities	5	6	8
Residential Mortgage Loans
Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation
Balance, beginning of period	116	123	154
Included in earnings	(1)	2	(18)
Purchases/originations	0	0	0
Sales	0
Settlements	(11)	(15)	(23)
Transfers into Level 3	4	6	10
Balance, end of period	108	116	123
The amount of total (losses) gains for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held	(1)	2	(18)
Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation
Balance, beginning of period	1,737	1,746	1,121
Included in earnings	(77)	(105)	177
Purchases/originations	49	96	448
Sales	(5)
Settlements	0	0	0
Transfers into Level 3	0	0	0
Balance, end of period	1,704	1,737	1,746
The amount of total (losses) gains for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held	14	(28)	311
Interest Rate Contract
Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation
Balance, beginning of period	0	(1)	4
Included in earnings	41	53	22
Purchases/originations	(1)	(3)	1
Sales	0
Settlements	(43)	(49)	(28)
Transfers into Level 3	0	0	0
Balance, end of period	(3)	0	(1)
The amount of total (losses) gains for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held	6	5	6
Equity Derivatives
Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation
Balance, beginning of period	(168)	(195)	(214)
Included in earnings	(138)	(94)	(84)
Purchases/originations	0	0	0
Sales	0
Settlements	136	121	103
Transfers into Level 3	0	0	0
Balance, end of period	(170)	(168)	(195)
The amount of total (losses) gains for the period included in earnings attributable to the change in unrealized gains or losses relating to instruments still held	$ (138)	$ (94)	$ (84)

Fair Value Measurements - Total

Fair Value Measurements - Total Gains and Losses Included in Earnings for Assets and Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Mortgage banking net revenue
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing
Capital markets fees
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Capital markets fees	Capital markets fees	Capital markets fees
Other noninterest income
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Gains and losses included in earnings	$ (175)	$ (144)	$ 97
Level 3     | Mortgage banking net revenue
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Gains and losses included in earnings	(38)	(54)	177
Level 3     | Capital markets fees
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Gains and losses included in earnings	2	4	4
Level 3     | Other noninterest income
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Gains and losses included in earnings	$ (139)	$ (94)	$ (84)

Fair Value Measurements - Tot_2

Fair Value Measurements - Total Gains and Losses Included in Earning Attributable to Changes in Unrealized Gains and Losses Related to Level 3 Assets and Liabilities Still Held at Year End (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Gain and losses included in earnings	$ (119)	$ (115)	$ 215
Mortgage banking net revenue
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing	Fees and Commissions, Mortgage Banking and Servicing
Mortgage banking net revenue | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Gain and losses included in earnings	$ 18	$ (25)	$ 295
Capital markets fees
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Capital markets fees	Capital markets fees	Capital markets fees
Capital markets fees | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Gain and losses included in earnings	$ 2	$ 4	$ 4
Other noninterest income
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income	Noninterest Income, Other Operating Income
Other noninterest income | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Gain and losses included in earnings	$ (139)	$ (94)	$ (84)

Fair Value Measurements - Fair

Fair Value Measurements - Fair Values of Assets and Liabilities (Significant Unobservable Level 3 Inputs Recurring Basis) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Derivative assets	$ 2,472	$ 2,677
Derivative liabilities	(2,798)	(2,999)
Residential mortgage loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Residential mortgage loans	$ 108	$ 116
Residential mortgage loans | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Interest rate risk factor	(51.90%)	(23.40%)
Credit risk factor	0%	0%
Residential mortgage loans | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Interest rate risk factor	4.60%	3.40%
Credit risk factor	0.50%	0.60%
Residential mortgage loans | Weighted-Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Interest rate risk factor	(13.30%)	(11.60%)
Credit risk factor	0.20%	0.20%
Servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Servicing rights	$ 1,704	$ 1,737
Servicing rights | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Prepayment speed	0%	0%
OAS (bps)	0.0420	0.0477
Servicing rights | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Prepayment speed	100%	100%
OAS (bps)	0.1823	0.1447
Servicing rights | Fixed | Weighted-Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Prepayment speed	5.80%	5.90%
OAS (bps)	0.0459	0.0569
Servicing rights | Adjustable | Weighted-Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Prepayment speed	16.90%	20.30%
OAS (bps)	0.0731	0.1016
IRLCs, net
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Derivative assets	$ 2	$ 5
IRLCs, net | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Loan closing rates	20.80%	20.90%
IRLCs, net | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Loan closing rates	96%	96%
IRLCs, net | Weighted-Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Loan closing rates	83.50%	82.30%
Swap
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Derivative liabilities	$ (170)	$ (168)
Swap | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Timing of the resolution of the Covered Litigation	Jun. 30, 2027	Dec. 31, 2024
Swap | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Timing of the resolution of the Covered Litigation	Mar. 31, 2028	Mar. 31, 2027
Swap | Weighted-Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Timing of the resolution of the Covered Litigation	Dec. 31, 2027	Dec. 31, 2025

Fair Value Measurements - Ass_2

Fair Value Measurements - Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis (Details) - Nonrecurring - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	$ 401	$ 388
Total (Losses) Gains	(255)	(186)
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	3	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	398	388
OREO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	2	18
Total (Losses) Gains	(2)	(8)
OREO | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
OREO | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
OREO | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	2	18
Bank premises and equipment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	7	15
Total (Losses) Gains	(1)	(2)
Bank premises and equipment | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Bank premises and equipment | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Bank premises and equipment | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	7	15
Operating lease equipment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value		2
Total (Losses) Gains		0
Operating lease equipment | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value		0
Operating lease equipment | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value		0
Operating lease equipment | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value		2
Private equity investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	3	0
Total (Losses) Gains	11	(2)
Private equity investments | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Private equity investments | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	3	0
Private equity investments | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Commercial | Commercial loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	6	1
Total (Losses) Gains	(1)	0
Commercial | Commercial loans held for sale | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Commercial | Commercial loans held for sale | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Commercial | Commercial loans held for sale | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	6	1
Commercial | Commercial loans and leases
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	168	163
Total (Losses) Gains	(245)	(162)
Commercial | Commercial loans and leases | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Commercial | Commercial loans and leases | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Commercial | Commercial loans and leases | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	168	163
Consumer | Consumer and residential mortgage loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	215	189
Total (Losses) Gains	(17)	(12)
Consumer | Consumer and residential mortgage loans | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Consumer | Consumer and residential mortgage loans | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Consumer | Consumer and residential mortgage loans | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	$ 215	$ 189

Fair Value Measurements - Fai_2

Fair Value Measurements - Fair Values of Assets and Liabilities (Significant Unobservable Level 3 Inputs Nonrecurring Basis) (Details) - Nonrecurring - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	$ 401	$ 388
OREO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	2	18
Bank premises and equipment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	7	15
Operating lease equipment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value		2
Private equity investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	3	0
Commercial | Commercial loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	6	1
Commercial | Commercial loans and leases
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	168	163
Consumer | Consumer and residential mortgage loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	215	189
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	398	388
Level 3     | OREO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	2	18
Level 3     | Bank premises and equipment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	7	15
Level 3     | Operating lease equipment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value		2
Level 3     | Private equity investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	0	0
Level 3     | Commercial | Commercial loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	6	1
Level 3     | Commercial | Commercial loans and leases
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	168	163
Level 3     | Consumer | Consumer and residential mortgage loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	215	189
Level 3     | Comparable company analysis | Commercial | Commercial loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	6	1
Level 3     | Appraised value | OREO
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	2	18
Level 3     | Appraised value | Bank premises and equipment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	7	15
Level 3     | Appraised value | Operating lease equipment
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value		2
Level 3     | Appraised value | Commercial | Commercial loans and leases
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	168	163
Level 3     | Appraised value | Consumer | Consumer and residential mortgage loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis
Assets, fair value	$ 215	$ 189

Fair Value Measurements - Diffe

Fair Value Measurements - Difference Between the Aggregate Fair Value and the Aggregate Unpaid Principal Balance for Residential Mortgage Loans Measured at Fair Value (Details) - Residential mortgage loans - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Aggregate  Fair Value
Loans measured at fair value	$ 682	$ 450
Past due loans of 30-89 days	1	1
Past due loans of 90 days or more	1
Nonaccrual loans	2	2
Aggregate Unpaid Principal Balance
Loans measured at fair value	693	456
Past due loans of 30-89 days	1	1
Past due loans of 90 days or more	1
Nonaccrual loans	2	2
Difference
Loans measured at fair value	(11)	(6)
Past due loans of 30-89 days	0	0
Past due loans of 90 days or more	0
Nonaccrual loans	$ 0	$ 0

Fair Value Measurements - Carry

Fair Value Measurements - Carrying Amounts and Estimated Fair Values for Certain Financial Instruments (Details) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023
Financial assets:
Other short-term investments	[1]	$ 17,120	$ 22,082
Held-to-maturity securities		11,278	2
Loans and leases held for sale		640	378
Total portfolio loans and leases, net		117,439	114,912
Financial liabilities:
Deposits		167,252	168,912
Federal funds purchased		204	193
Other short-term borrowings		4,450	2,861
Long-term debt	[1]	14,337	16,380
Net Carrying Amount
Financial assets:
Cash		3,014	3,142
Other short-term investments		17,120	22,082
Other securities		778	722
Held-to-maturity securities		11,278	2
Loans and leases held for sale		66	44
Total portfolio loans and leases, net		117,331	114,796
Financial liabilities:
Deposits		167,252	168,912
Federal funds purchased		204	193
Other short-term borrowings		4,450	2,861
Long-term debt		14,440	16,418
Net Carrying Amount | Commercial
Financial assets:
Total portfolio loans and leases, net		72,139	71,616
Net Carrying Amount | Consumer
Financial assets:
Total portfolio loans and leases, net		45,192	43,180
Total Fair Value
Financial assets:
Cash		3,014	3,142
Other short-term investments		17,120	22,082
Other securities		778	722
Held-to-maturity securities		10,965	2
Loans and leases held for sale		66	44
Total portfolio loans and leases, net		114,474	113,176
Financial liabilities:
Deposits		167,353	168,873
Federal funds purchased		204	193
Other short-term borrowings		4,459	2,872
Long-term debt		14,588	16,384
Total Fair Value | Commercial
Financial assets:
Total portfolio loans and leases, net		72,319	71,766
Total Fair Value | Consumer
Financial assets:
Total portfolio loans and leases, net		42,155	41,410
Total Fair Value | Level 1
Financial assets:
Cash		3,014	3,142
Other short-term investments		17,120	22,082
Other securities		0	0
Held-to-maturity securities		2,344	0
Loans and leases held for sale		0	0
Total portfolio loans and leases, net		0	0
Financial liabilities:
Deposits		0	0
Federal funds purchased		204	193
Other short-term borrowings		0	0
Long-term debt		3,753	14,481
Total Fair Value | Level 1 | Commercial
Financial assets:
Total portfolio loans and leases, net		0	0
Total Fair Value | Level 1 | Consumer
Financial assets:
Total portfolio loans and leases, net		0	0
Total Fair Value | Level 2
Financial assets:
Cash		0	0
Other short-term investments		0	0
Other securities		778	722
Held-to-maturity securities		8,619	0
Loans and leases held for sale		0	0
Total portfolio loans and leases, net		0	0
Financial liabilities:
Deposits		167,353	168,873
Federal funds purchased		0	0
Other short-term borrowings		4,459	2,872
Long-term debt		10,835	1,903
Total Fair Value | Level 2 | Commercial
Financial assets:
Total portfolio loans and leases, net		0	0
Total Fair Value | Level 2 | Consumer
Financial assets:
Total portfolio loans and leases, net		0	0
Total Fair Value | Level 3
Financial assets:
Cash		0	0
Other short-term investments		0	0
Other securities		0	0
Held-to-maturity securities		2	2
Loans and leases held for sale		66	44
Total portfolio loans and leases, net		114,474	113,176
Financial liabilities:
Deposits		0	0
Federal funds purchased		0	0
Other short-term borrowings		0	0
Long-term debt		0	0
Total Fair Value | Level 3     | Commercial
Financial assets:
Total portfolio loans and leases, net		72,319	71,766
Total Fair Value | Level 3     | Consumer
Financial assets:
Total portfolio loans and leases, net		$ 42,155	$ 41,410
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12.

Regulatory Capital Requiremen_3

Regulatory Capital Requirements and Capital Ratios (Details) $ in Millions	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Risk Based Ratios
Banking regulation, capital conservation buffer, capital conserved, minimum	0.032	0.025
Fifth Third Bancorp
Risk Based Ratios
CET1 capital (as a percent)	0.1057	0.1029
Tier I risk-based capital (as a percent)	0.1186	0.1159
Total risk-based capital (as a percent)	0.1386	0.1372
Tier I leverage (as a percent)	0.0922	0.0873
Risk Based Capital
CET1 capital	$ 17,339	$ 16,800
Tier I risk-based capital	19,455	18,916
Total risk-based capital	22,746	22,400
Tier I leverage	$ 19,455	$ 18,916
Fifth Third Bancorp | Well-Capitalized
Risk Based Ratios
Tier I risk-based capital (as a percent)	0.0600
Total risk-based capital (as a percent)	0.1000
Fifth Third Bancorp | Minimum
Risk Based Ratios
CET1 capital (as a percent)	0.0450
Tier I risk-based capital (as a percent)	0.0600
Total risk-based capital (as a percent)	0.0800
Tier I leverage (as a percent)	0.0400
Fifth Third Bank, National Association
Risk Based Ratios
CET1 capital (as a percent)	0.1286	0.1242
Tier I risk-based capital (as a percent)	0.1286	0.1242
Total risk-based capital (as a percent)	0.1419	0.1385
Tier I leverage (as a percent)	0.1002	0.0938
Risk Based Capital
CET1 capital	$ 20,943	$ 20,147
Tier I risk-based capital	20,943	20,147
Total risk-based capital	23,116	22,463
Tier I leverage	$ 20,943	$ 20,147
Fifth Third Bank, National Association | Well-Capitalized
Risk Based Ratios
CET1 capital (as a percent)	0.0650
Tier I risk-based capital (as a percent)	0.0800
Total risk-based capital (as a percent)	0.1000
Tier I leverage (as a percent)	0.0500
Fifth Third Bank, National Association | Minimum
Risk Based Ratios
CET1 capital (as a percent)	0.0450
Tier I risk-based capital (as a percent)	0.0600
Total risk-based capital (as a percent)	0.0800
Tier I leverage (as a percent)	0.0400

Parent Company Financial Stat_3

Parent Company Financial Statements - Condensed Statements of Income - Parent Company Only (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income
Dividends from consolidated nonbank subsidiaries	$ 1,800	$ 1,800
Securities gains (losses), net	15	18	$ (84)
Total interest income	10,426	9,760	6,587
Expenses
Interest	4,796	3,933	978
Other	178	184	145
Applicable income tax expense	602	639	647
Net Income	2,314	2,349	2,446
Other Comprehensive Income	(149)	623	(6,317)
Parent Company
Income
Dividends from consolidated nonbank subsidiaries	1,800	1,819	165
Securities gains (losses), net	3	4	(9)
Interest	85	63	11
Total interest income	1,888	1,886	167
Expenses
Interest	553	525	311
Other	27	39	19
Total expenses	580	564	330
Income (Loss) Before Income Taxes and Equity in Undistributed Earnings of Subsidiaries	1,308	1,322	(163)
Applicable income tax expense	(115)	(112)	(76)
Income (Loss) Before Equity in Undistributed Earnings of Subsidiaries	1,423	1,434	(87)
Equity in undistributed earnings	891	915	2,533
Net Income	2,314	2,349	2,446
Other Comprehensive Income	0	0	0
Comprehensive Income	2,314	2,349	2,446
Dividends from Bancorp's banking subsidiary to the Bancorp's non-bank subsidiary	$ 1,800	$ 1,800	$ 0

Parent Company Financial Stat_4

Parent Company Financial Statements - Condensed Balance Sheet - Parent Company Only (Details) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Assets
Available-for-sale debt and other securities		$ 39,547	$ 50,419
Equity securities		341	613
Goodwill		4,918	4,919	$ 4,915
Other assets	[1]	12,857	12,538
Total Assets		212,927	214,574
Liabilities
Other short-term borrowings		4,450	2,861
Accrued expenses and other liabilities	[1]	4,902	4,861
Long-term debt (external)	[1]	14,337	16,380
Total Liabilities		193,282	195,402
Equity
Common stock	[2]	2,051	2,051
Preferred stock	[3]	2,116	2,116
Capital surplus		3,804	3,757
Retained earnings		24,150	22,997
Accumulated other comprehensive loss		(4,636)	(4,487)
Treasury stock	[2]	(7,840)	(7,262)
Total Equity		19,645	19,172	17,327	$ 22,210
Total Liabilities and Equity		212,927	214,574
Parent Company
Assets
Cash		969	120	$ 120	$ 122
Other short-term investments		3,106	6,500
Available-for-sale debt and other securities		2,500	1,000
Equity securities		29	34
Loans to nonbank subsidiaries		5	0
Investment in nonbank subsidiaries		22,891	21,998
Goodwill		80	80
Other assets		156	179
Total Assets		29,736	29,911
Liabilities
Other short-term borrowings		3	0
Accrued expenses and other liabilities		567	631
Long-term debt (external)		9,521	10,108
Total Liabilities		10,091	10,739
Equity
Common stock		2,051	2,051
Preferred stock		2,116	2,116
Capital surplus		3,804	3,757
Retained earnings		24,150	22,997
Accumulated other comprehensive loss		(4,636)	(4,487)
Treasury stock		(7,840)	(7,262)
Total Equity		19,645	19,172
Total Liabilities and Equity		$ 29,736	$ 29,911
[1] Includes $51 and $55 of other short-term investments, $1,000 and $1,573 of portfolio loans and leases, $(19) and $(28) of ALLL, $5 and $10 of other assets, $12 and $14 of other liabilities and $889 and $1,409 of long-term debt from consolidated VIEs that are included in their respective captions above at December 31, 2024 and 2023, respectively. For further information, refer to Note 12. Common shares: Stated value $2.22 per share; authorized 2,000,000,000; outstanding at December 31, 2024 – 669,853,830 (excludes 254,038,751 treasury shares), 2023 – 681,124,810 (excludes 242,767,771 treasury shares). (c) 500,000 shares of no par value preferred stock were authorized at both December 31, 2024 and 2023. There were 422,000 unissued shares of undesignated no par value preferred stock at both December 31, 2024 and 2023. Each issued share of no par value preferred stock has a liquidation preference of $25,000. 500,000 shares of no par value Class B preferred stock were authorized at both December 31, 2024 and 2023. There were 300,000 unissued shares of undesignated no par value Class B preferred stock at both December 31, 2024 and 2023. Each issued share of no par value Class B preferred stock has a liquidation preference of $1,000.

Parent Company Financial Stat_5

Parent Company Financial Statements - Condensed Statement of Cash Flow - Parent Company Only (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating Activities
Net Income	$ 2,314	$ 2,349	$ 2,446
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion	495	462	436
Provision for (benefit from) deferred income taxes	72	(106)	(60)
Equity in undistributed earnings	(18)	(52)	(22)
Net change in:
Equity securities	(3)	(128)	70
Other assets	(625)	326	646
Net Cash Provided by Operating Activities	2,824	4,509	6,428
Investing Activities
Proceeds from repayments / maturities of AFS and HTM securities and other investments	5,814	4,235	4,495
Other short-term investments	4,962	(13,731)	26,224
Net Cash Provided by (Used in) Investing Activities	1,039	(9,488)	(4,871)
Financing Activities
Proceeds from long-term debt issuances/advances	3,249	4,286	4,026
Repayment of long-term debt	(5,282)	(1,657)	(1,762)
Dividends paid on common and preferred stock	(1,176)	(1,060)	(927)
Repurchase of treasury stock and related forward contract	(625)	(200)	(100)
Other, net	(65)	(55)	(85)
Net Cash (Used in) Provided by Financing Activities	(3,991)	4,655	(1,085)
(Decrease) Increase in Cash and Due from Banks	(128)	(324)	472
Parent Company
Operating Activities
Net Income	2,314	2,349	2,446
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion	7	7	7
Provision for (benefit from) deferred income taxes	2	1	(3)
Securities (gains) losses, net	(3)	(4)	9
Equity in undistributed earnings	(891)	(915)	(2,533)
Net change in:
Equity securities	8	4	6
Other assets	(49)	147	(115)
Accrued expenses and other liabilities	(60)	(126)	45
Net Cash Provided by Operating Activities	1,328	1,463	(138)
Investing Activities
Proceeds from repayments / maturities of AFS and HTM securities and other investments	1,000	1,000	0
Purchase of securities issued by subsidiary	(2,500)	(1,000)	(1,000)
Other short-term investments	3,394	(833)	567
Loans to nonbank subsidiaries	(5)	60	132
Net Cash Provided by (Used in) Investing Activities	1,889	(773)	(301)
Financing Activities
Net change in other short-term borrowings	3	(121)	(240)
Proceeds from long-term debt issuances/advances	1,742	1,244	2,986
Repayment of long-term debt	(2,250)	(500)	(1,200)
Dividends paid on common and preferred stock	(1,176)	(1,060)	(927)
Repurchase of treasury stock and related forward contract	(625)	(200)	(100)
Other, net	(62)	(53)	(82)
Net Cash (Used in) Provided by Financing Activities	(2,368)	(690)	437
(Decrease) Increase in Cash and Due from Banks	849	0	(2)
Cash and Due from Banks at Beginning of Period	120	120	122
Cash and Due from Banks at End of Period	$ 969	$ 120	$ 120

Subsequent Events (Details)

Subsequent Events (Details) - USD ($) shares in Millions, $ in Millions			12 Months Ended
	Jan. 28, 2025	Jan. 22, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Jun. 30, 2019	Jun. 18, 2019
Subsequent Event [Line Items]
Payment to repurchase shares of common stock			$ 625	$ 200	$ 100
Number of shares authorized to be repurchased (in shares)						100	100
Subsequent Event
Subsequent Event [Line Items]
Payment to repurchase shares of common stock		$ 225
Subsequent Event | Fixed Rate Floating Rate 4.967% Senior Notes Due 2028 | Senior Notes
Subsequent Event [Line Items]
Principal amount	$ 700
Interest rate (as a percent)	4.967%
Basis spread on variable rate (as a percent)	0.81%
Subsequent Event | Fixed Rate Floating Rate 4.967% Senior Notes Due 2028 | Senior Notes | Debt Instrument, Redemption, Period One
Subsequent Event [Line Items]
Debt instrument, redemption period	1 year
Subsequent Event | Fixed Rate Floating Rate 4.967% Senior Notes Due 2028 | Senior Notes | Debt Instrument, Redemption, Period Two
Subsequent Event [Line Items]
Debt instrument, redemption period	30 days
Subsequent Event | Fixed Rate Floating Rate 4.967% Senior Notes Due 2028 | Senior Notes | Debt Instrument, Redemption, Period Three
Subsequent Event [Line Items]
Debt instrument, redemption period	180 days
Subsequent Event | Floating Rate 4.967% Senior Notes Due 2028 | Senior Notes
Subsequent Event [Line Items]
Principal amount	$ 300
Basis spread on variable rate (as a percent)	0.81%

Business Segments - Additional

Business Segments - Additional Information (Details)	12 Months Ended
	Dec. 31, 2024 class_action
Segment Reporting [Abstract]
Reportable segments	3

Business Segments - Results of

Business Segments - Results of Operations and Average Assets by Segment (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Segment Reporting Information
Net interest income (FTE)		$ 5,654	$ 5,852	$ 5,625
Provision for credit losses		530	515	563
Net interest income after provision for (benefit from) credit losses		5,124	5,337	5,062
Noninterest income:
Wealth and asset management revenue		647	581	570
Commercial payments revenue		608	564	568
Consumer banking revenue		555	546	542
Capital markets fees		424	422	387
Commercial banking revenue		377	409	419
Mortgage banking net revenue		211	250	215
Other noninterest income		12	91	149
Securities gains (losses), net		15	18	(84)
Total noninterest income		2,849	2,881	2,766
Noninterest Expense
Compensation and benefits	[1]	2,763	2,694	2,554
Technology and communications	[1]	474	464	416
Net occupancy expense	[1]	339	331	307
Equipment expense	[1]	153	148	145
Loan and lease expense	[1]	132	133	167
Marketing expense	[1]	115	126	118
Card and processing expense	[1]	84	84	80
Other noninterest expense	[1]	973	1,225	932
Total noninterest expense	[1]	5,033	5,205	4,719
Income (loss) before income taxes (FTE)		2,940	3,013	3,109
Average assets		212,806	208,426	206,929
Impairment losses on bank premises		1	2	9
Impairment losses and termination charges		1	2	2
Operating Segments | Commercial Banking
Segment Reporting Information
Net interest income (FTE)		2,647	3,828	2,552
Provision for credit losses		304	12	33
Net interest income after provision for (benefit from) credit losses		2,343	3,816	2,519
Noninterest income:
Wealth and asset management revenue		3	2	3
Commercial payments revenue		529	473	468
Consumer banking revenue		0	0	0
Capital markets fees		421	419	387
Commercial banking revenue		373	406	417
Mortgage banking net revenue		0	0	0
Other noninterest income		53	65	98
Securities gains (losses), net		1	(9)	(33)
Total noninterest income		1,380	1,356	1,340
Noninterest Expense
Compensation and benefits		656	654	639
Technology and communications		14	14	11
Net occupancy expense		36	41	40
Equipment expense		28	29	27
Loan and lease expense		31	30	27
Marketing expense		3	3	5
Card and processing expense		9	11	11
Other noninterest expense		1,117	1,221	1,063
Total noninterest expense		1,894	2,003	1,823
Income (loss) before income taxes (FTE)		1,829	3,169	2,036
Average assets		77,177	83,078	82,239
FTE adjustments		15	16	10
Impairment losses of operating lease equipment				2
Operating Segments | Consumer and Small Business Banking
Segment Reporting Information
Net interest income (FTE)		4,169	5,207	3,131
Provision for credit losses		322	303	139
Net interest income after provision for (benefit from) credit losses		3,847	4,904	2,992
Noninterest income:
Wealth and asset management revenue		247	216	204
Commercial payments revenue		76	85	89
Consumer banking revenue		551	544	538
Capital markets fees		2	2	2
Commercial banking revenue		4	2	1
Mortgage banking net revenue		210	250	214
Other noninterest income		4	6	7
Securities gains (losses), net		0	0	(2)
Total noninterest income		1,094	1,105	1,053
Noninterest Expense
Compensation and benefits		882	878	828
Technology and communications		30	27	22
Net occupancy expense		212	209	196
Equipment expense		51	44	38
Loan and lease expense		80	86	107
Marketing expense		68	70	58
Card and processing expense		75	76	72
Other noninterest expense		1,074	1,125	1,068
Total noninterest expense		2,472	2,515	2,389
Income (loss) before income taxes (FTE)		2,469	3,494	1,656
Average assets		51,627	50,974	49,823
Impairment losses on bank premises			1	6
Operating Segments | Wealth and Asset Management
Segment Reporting Information
Net interest income (FTE)		210	360	262
Provision for credit losses		0	1	0
Net interest income after provision for (benefit from) credit losses		210	359	262
Noninterest income:
Wealth and asset management revenue		397	363	363
Commercial payments revenue		1	1	1
Consumer banking revenue		2	2	2
Capital markets fees		2	1	0
Commercial banking revenue		0	0	1
Mortgage banking net revenue		1	0	1
Other noninterest income		1	2	0
Securities gains (losses), net		0	0	0
Total noninterest income		404	369	368
Noninterest Expense
Compensation and benefits		222	220	218
Technology and communications		1	1	1
Net occupancy expense		12	12	13
Equipment expense		0	0	0
Loan and lease expense		1	1	1
Marketing expense		1	1	1
Card and processing expense		1	1	1
Other noninterest expense		149	139	144
Total noninterest expense		387	375	379
Income (loss) before income taxes (FTE)		227	353	251
Average assets		4,390	4,678	4,763
Corporate Corporate and Other
Segment Reporting Information
Net interest income (FTE)		(1,372)	(3,543)	(320)
Provision for credit losses		(96)	199	391
Net interest income after provision for (benefit from) credit losses		(1,276)	(3,742)	(711)
Noninterest income:
Wealth and asset management revenue		0	0	0
Commercial payments revenue		2	5	10
Consumer banking revenue		2	0	2
Capital markets fees		(1)	0	(2)
Commercial banking revenue		0	1	0
Mortgage banking net revenue		0	0	0
Other noninterest income		(46)	18	44
Securities gains (losses), net		14	27	(49)
Total noninterest income		(29)	51	5
Noninterest Expense
Compensation and benefits		1,003	942	869
Technology and communications		429	422	382
Net occupancy expense		79	69	58
Equipment expense		74	75	80
Loan and lease expense		20	16	32
Marketing expense		43	52	54
Card and processing expense		(1)	(4)	(4)
Other noninterest expense		(1,367)	(1,260)	(1,343)
Total noninterest expense		280	312	128
Income (loss) before income taxes (FTE)		(1,585)	(4,003)	(834)
Average assets		79,612	69,696	70,104
FTE adjustments		$ 9	9	6
Impairment losses on bank premises			$ 1	$ 3
[1] During the fourth quarter of 2024, certain noninterest income and noninterest expense line items were reclassified to better align disclosures to business activities. These reclassifications were retrospectively applied to all prior periods presented. Total noninterest income and noninterest expense did not change as a result of these reclassifications. Refer to Note 1 for additional information.