The PNC Financial Services Group, Inc. (PNC) 10-Q 2 Nov 22 2022 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Sep. 30, 2022	Oct. 17, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2022
Document Transition Report	false
Entity File Number	001-09718
Entity Registrant Name	PNC Financial Services Group, Inc.
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	25-1435979
Entity Address, Address Line One	The Tower at PNC Plaza
Entity Address, Address Line Two	300 Fifth Avenue
Entity Address, City or Town	Pittsburgh
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	15222-2401
City Area Code	888
Local Phone Number	762-2265
Title of 12(b) Security	Common Stock, par value $5.00
Trading Symbol	PNC
Security Exchange Name	NYSE
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
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		403,319,033
Amendment Flag	false
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Entity Central Index Key	0000713676
Current Fiscal Year End Date	--12-31

Consolidated Income Statement

Consolidated Income Statement - USD ($) shares in Millions, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest Income
Loans	$ 3,138	$ 2,437	$ 7,935	$ 6,593
Investment securities	715	460	1,890	1,350
Other	279	78	502	216
Total interest income	4,132	2,975	10,327	8,159
Interest Expense
Deposits	340	29	455	99
Borrowed funds	317	90	542	275
Total interest expense	657	119	997	374
Net interest income	3,475	2,856	9,330	7,785
Noninterest Income
Total noninterest income	2,074	2,341	6,027	6,299
Total revenue	5,549	5,197	15,357	14,084
Provision For (Recapture of) Credit Losses	241	(203)	69	(452)
Noninterest Expense
Personnel	1,805	1,986	5,301	5,103
Occupancy	241	248	745	680
Equipment	344	355	1,026	974
Marketing	93	103	249	222
Other	797	895	2,375	2,232
Total noninterest expense	3,280	3,587	9,696	9,211
Income (loss) before income taxes (benefit) and noncontrolling interests	2,028	1,813	5,592	5,325
Income taxes	388	323	1,027	906
Net income	1,640	1,490	4,565	4,419
Less: Net income (loss) attributable to noncontrolling interests	16	16	52	38
Preferred stock dividends	65	57	181	162
Preferred stock discount accretion and redemptions	1	1	4	3
Net income attributable to common shareholders	$ 1,558	$ 1,416	$ 4,328	$ 4,216
Earnings Per Common Share
Basic earnings per common share (in dollars per share)	$ 3.78	$ 3.31	$ 10.39	$ 9.84
Diluted earnings per common share (in dollars per share)	$ 3.78	$ 3.30	$ 10.39	$ 9.83
Average Common Shares Outstanding
Basic (in shares)	410	426	414	426
Diluted (in shares)	410	426	415	427
Asset management and brokerage
Noninterest Income
Total noninterest income	$ 357	$ 375	$ 1,099	$ 1,053
Capital markets related
Noninterest Income
Total noninterest income	299	482	960	1,117
Card and cash management
Noninterest Income
Total noninterest income	671	663	1,962	1,752
Lending and deposit services
Noninterest Income
Total noninterest income	287	305	838	829
Residential and commercial mortgage
Noninterest Income
Total noninterest income	143	248	463	641
Other
Noninterest Income
Total noninterest income	$ 317	$ 268	$ 705	$ 907

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 1,640	$ 1,490	$ 4,565	$ 4,419
Other comprehensive income (loss), before tax and net of reclassifications into Net income
Net change in debt securities	(1,738)	(323)	(10,768)	(1,471)
Net change in cash flow hedge derivatives	(1,025)	(174)	(3,484)	(727)
Pension and other postretirement benefit plan adjustments	2	2	64	(11)
Net change in Other	4	1	(3)	2
Other comprehensive income (loss), before tax and net of reclassifications into Net income	(2,757)	(494)	(14,191)	(2,207)
Income tax benefit (expense) related to items of other comprehensive income	629	110	3,296	516
Other comprehensive income (loss), after tax and net of reclassifications into Net income	(2,128)	(384)	(10,895)	(1,691)
Comprehensive income (loss)	(488)	1,106	(6,330)	2,728
Less: Comprehensive income attributable to noncontrolling interests	16	16	52	38
Comprehensive income (loss) attributable to PNC	$ (504)	$ 1,090	$ (6,382)	$ 2,690

Consolidated Balance Sheet

Consolidated Balance Sheet - USD ($) $ in Millions		Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks		$ 6,548	$ 8,004
Interest-earning deposits with banks		40,278	74,250
Loans held for sale	[1]	1,126	2,231
Investment securities – available for sale		45,798	131,536
Investment securities – held to maturity		90,653	1,426
Loans	[1]	315,400	288,372
Allowance for loan and lease losses		(4,581)	(4,868)
Net loans		310,819	283,504
Equity investments		8,130	8,180
Mortgage servicing rights		3,206	1,818
Goodwill		10,987	10,916
Other	[1]	41,932	35,326
Total assets		559,477	557,191
Deposits
Noninterest-bearing		138,423	155,175
Interest-bearing		299,771	302,103
Total deposits		438,194	457,278
Borrowed funds
Federal Home Loan Bank borrowings		30,075
Bank notes and senior debt		13,357	20,661
Subordinated debt		7,286	6,996
Other	[2]	3,915	3,127
Total borrowed funds		54,633	30,784
Allowance for unfunded lending related commitments		682	662
Accrued expenses and other liabilities		19,245	12,741
Total liabilities		512,754	501,465
Equity
Preferred stock	[3]
Common stock ($5 par value, Authorized 800 shares, issued 543 shares)		2,714	2,713
Capital surplus		19,810	17,457
Retained earnings		52,777	50,228
Accumulated other comprehensive income (loss)		(10,486)	409
Common stock held in treasury at cost: 139 and 123 shares		(18,127)	(15,112)
Total shareholders’ equity		46,688	55,695
Noncontrolling interests		35	31
Total equity		46,723	55,726
Total liabilities and equity		$ 559,477	$ 557,191
[1]Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $1.1 billion, Loans held for investment of $1.3 billion and Other assets of $0.1 billion at September 30, 2022. Comparable amounts at December 31, 2021 were $1.9 billion, $1.5 billion and $0.1 billion, respectively.[2]Our consolidated liabilities included the following for which we have elected the fair value option: Other borrowed funds of less than $0.1 billion and Other liabilities of $0.2 billion at September 30, 2022. Comparable amounts at December 31, 2021 were less than $0.1 billion and zero.[3]Par value less than $0.5 million at each date.

Consolidated Balance Sheet (Par

Consolidated Balance Sheet (Parenthetical) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Common stock, par value (in dollars per share)	$ 5	$ 5
Common stock, authorized (shares)	800,000,000	800,000,000
Common stock, issued (shares)	543,000,000	543,000,000
Common stock held in treasury at cost (shares)	139,000,000	123,000,000
Preferred stock, par value	$ 0.5	$ 0.5
Portion at Fair Value, Fair Value Disclosure
Loans held for sale, fair value	1,100	1,900
Loans, fair value	1,300	1,500
Other assets, fair value	100	100
Other borrowed funds, fair value	100	100
Other liabilities	$ 200	$ 0

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - USD ($) $ in Millions		9 Months Ended
		Sep. 30, 2022	Sep. 30, 2021
Operating Activities
Net income		$ 4,565	$ 4,419
Adjustments to reconcile net income to net cash provided (used) by operating activities
Provision for (recapture of) credit losses		69	(452)
Depreciation and amortization		587	1,215
Deferred income taxes (benefit)		401	(74)
Net losses (gains) on sales of securities		4	(50)
Changes in fair value of mortgage servicing rights		(635)	(8)
Net change in
Trading securities and other short-term investments		(573)	388
Loans held for sale and related securitization activity		962	(390)
Other assets		(3,512)	(1,504)
Accrued expenses and other liabilities		2,586	341
Other		583	(165)
Net cash provided (used) by operating activities		5,037	3,720
Sales
Securities available for sale		2,765	15,674
Loans		5,353	1,409
Repayments/maturities
Securities available for sale		11,473	23,829
Securities held to maturity		3,206	67
Purchases
Securities available for sale		(23,591)	(57,911)
Securities held to maturity		(7,961)	(83)
Loans		(1,681)	(1,564)
Net change in
Federal funds sold and resale agreements		(905)	(119)
Interest-earning deposits with banks		33,972	23,008
Loans		(31,029)	14,001
Net cash paid for acquisition			(10,511)
Other		(2,275)	(1,538)
Net cash provided (used) by investing activities		(10,673)	6,262
Net change in
Noninterest-bearing deposits		(16,748)	7,832
Interest-bearing deposits		(2,332)	(9,826)
Federal funds purchased and repurchase agreements		(1)	91
Other borrowed funds		862	164
Sales/issuances
Federal Home Loan Bank borrowings		30,075
Bank notes and senior debt			1,692
Subordinated debt		847
Other borrowed funds		573	551
Preferred stock		2,225	1,485
Common and treasury stock		58	58
Repayments/maturities
Federal Home Loan Bank borrowings			(3,680)
Bank notes and senior debt		(5,750)	(3,850)
Other borrowed funds		(591)	(547)
Acquisition of treasury stock		(3,078)	(441)
Preferred stock cash dividends paid		(181)	(162)
Common stock cash dividends paid		(1,779)	(1,523)
Net cash provided (used) by financing activities		4,180	(8,156)
Net Increase (Decrease) In Cash And Due From Banks And Restricted Cash		(1,456)	1,826
Cash and due from banks and restricted cash at beginning of period		8,004	7,017
Cash and due from banks and restricted cash at end of period		6,548	8,843
Cash and due from banks and restricted cash
Cash and due from banks at end of period (unrestricted cash)		5,974	8,201
Restricted cash		574	642
Cash and due from banks and restricted cash at end of period		6,548	8,843
Supplemental Disclosures
Interest paid		895	395
Income taxes paid		80	402
Income taxes refunded		15	68
Leased assets obtained in exchange for new operating lease liabilities		149	289
Non-cash Investing and Financing Items
Transfer from securities available for sale to securities held to maturity	[1]	88,605
Transfer from loans to loans held for sale, net		341	677
Transfer from loans to foreclosed assets		$ 38	$ 22
[1]During the first nine months of 2022, we transferred securities from available for sale to held to maturity in non-cash transactions. The amount of $88.6 billion includes the aggregate fair value of the securities of $82.7 billion and aggregate net pretax unrealized losses of $5.9 billion included in AOCI at transfer. See Note 3 Investment Securities for more detailed information on the transfers.

Consolidated Statement of Cas_2

Consolidated Statement of Cash Flows (Parenthetical) $ in Millions	9 Months Ended
	Sep. 30, 2022 USD ($)
Statement of Cash Flows [Abstract]
Transfer from securities available for sale to securities held to maturity	$ 88,605	[1]
Transferred securities at fair value from available for sale to held to maturity	82,700
Net unrealized losses, related to securities transferred to held to maturity	$ 5,900
[1]During the first nine months of 2022, we transferred securities from available for sale to held to maturity in non-cash transactions. The amount of $88.6 billion includes the aggregate fair value of the securities of $82.7 billion and aggregate net pretax unrealized losses of $5.9 billion included in AOCI at transfer. See Note 3 Investment Securities for more detailed information on the transfers.

Accounting Policies

Accounting Policies	9 Months Ended
	Sep. 30, 2022
Accounting Policies [Abstract]
Accounting Policies	B USINESS PNC is one of the largest diversified financial services companies in the U.S. and is headquartered in Pittsburgh, Pennsylvania. CCOUNTING P OLICIES Basis of Financial Statement Presentation Our consolidated financial statements include the accounts of the parent company and its subsidiaries, most of which are wholly-owned, certain partnership interests and VIEs. On June 1, 2021, we acquired BBVA, a U.S. financial holding company conducting its business operations primarily through its U.S. banking subsidiary, BBVA USA. Our results of operations and balance sheets for all periods presented in this Report reflect the benefit of BBVA's acquired businesses for the period since the acquisition closed on June 1, 2021. See Note 2 Acquisition Activity for additional information related to this acquisition. We prepared these consolidated financial statements in accordance with GAAP. We have eliminated intercompany accounts and transactions. We have also reclassified certain prior year amounts to conform to the current period presentation, which did not have a material impact on our consolidated financial condition or results of operations. In our opinion, the unaudited interim consolidated financial statements reflect all normal, recurring adjustments needed to state fairly our results for the interim periods. The results of operations for interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period. We have also considered the impact of subsequent events on these consolidated financial statements. When preparing these unaudited interim consolidated financial statements, we have assumed that you have read the audited consolidated financial statements included in our 2021 Form 10-K. Reference is made to Note 1 Accounting Policies in our 2021 Form 10-K for a detailed description of significant accounting policies. These interim consolidated financial statements serve to update our 2021 Form 10-K and may not include all information and Notes necessary to constitute a complete set of financial statements. There have been no significant changes to our accounting policies as disclosed in our 2021 Form 10-K. Noninterest Income Presentation Effective for the first quarter of 2022, PNC updated the presentation of its noninterest income categorization to be based on product and service type, and accordingly, has changed the basis of presentation of its noninterest income revenue streams to: (i) Asset management and brokerage, (ii) Capital markets related, (iii) Card and cash management, (iv) Lending and deposit services, (v) Residential and commercial mortgage and (vi) Other noninterest income. A description of each revenue stream follows: Asset management and brokerage includes revenue from our asset management and retail brokerage businesses. Asset management services include investment management, custody, retirement planning, family planning, trust management and retirement administration. Brokerage services offer retail customers a wide range of investment options, including mutual funds, annuities, stock, bonds and managed accounts. Capital markets related includes revenue from services and activities primarily related to merger and acquisition advisory, equity capital markets advisory, asset-backed financing, loan syndication, securities underwriting, credit valuation adjustments related to the derivatives portfolio and customer-related trading. Card and cash management includes revenue primarily from debit and credit card activities, inclusive of credit card points and rewards, treasury management services and ATM fees. Debit and credit card activities include interchange revenue and merchant service fees. Treasury management services include cash and investment management, receivables and disbursement management, funds transfer, international payment and access to online/mobile information management and reporting. Lending and deposit services includes revenue primarily related to service charges on deposits, loan commitment and usage fees, the issuance of standby letters of credit, operating lease income and long-term care and insurance products. Residential and commercial mortgage includes the gain and loss on sale of mortgages, revenue related to our mortgage servicing responsibilities, mortgage servicing rights valuation adjustments and net gains on originations and sales of loans held for sale. Other noninterest income is primarily composed of private equity revenue, net securities gains and losses, activity related to our equity investment in Visa and gains and losses on asset sales. See Note 16 Fee-based Revenue from Contracts with Customers for additional details related to these revenue streams within the scope of ASC 606 - Revenue from Contracts with Customers. Use of Estimates We prepared these consolidated financial statements using financial information available at the time of preparation, which requires us to make estimates and assumptions that affect the amounts reported. Our most significant estimates pertain to the ACL and our fair value measurements, including for the BBVA acquisition. Actual results may differ from the estimates and the differences may be material to the consolidated financial statements. Recently Adopted Accounting Standards Accounting Standards Update Description Financial Statement Impact Reference Rate Reform - ASU 2020-04 Issued March 2020 Reference Rate Reform Scope - ASU 2021-01 Issued January 2021 • Provides optional expedients and exceptions for applying generally accepted accounting principles to contracts, hedging relationships and other transactions that reference LIBOR or another reference rate expected to be discontinued because of reference rate reform (codified in ASC 848). • Includes optional expedients related to contract modifications that allow an entity to account for modifications (if certain criteria are met) as if the modifications were only minor (assets within the scope of ASC 310, Receivables ), were not substantial (assets within the scope of ASC 470, Debt ) and/or did not result in remeasurements or reclassifications (assets within the scope of ASC 842, Leases , and other Topics) of the existing contract. • Includes optional expedients related to hedging relationships within the scope of ASC 815, Derivatives & Hedging , whereby changes to the critical terms of a hedging relationship do not require dedesignation if certain criteria are met. In addition, potential sources of ineffectiveness as a result of reference rate reform may be disregarded when performing some effectiveness assessments. • Includes optional expedients and exceptions for contract modifications and hedge accounting that apply to derivative instruments impacted by the market-wide discounting transition. • Guidance in these ASUs are currently effective as of March 12, 2020 through December 31, 2022. We expect the FASB to extend the relief to December 31, 2024 in a future ASU. • ASU 2020-04 was adopted March 12, 2020. ASU 2021-01 was retrospectively adopted October 1, 2020. • Refer to Note 1 Accounting Policies in the 2021 Form 10-K for more information on elections of optional expedients that occurred in 2020 and 2021. • We did not make any additional elections for the third quarter of 2022. We expect to continue to elect various optional expedients for contract modifications and hedge relationships affected by reference rate reform through the effective date of this guidance.

Acquisition Activity

Acquisition Activity	9 Months Ended
	Sep. 30, 2022
Business Combination and Asset Acquisition [Abstract]
Acquisition Activity	A CQUISITION A CTIVITY Acquisition of BBVA USA Bancshares, Inc. On June 1, 2021, PNC acquired BBVA including its U.S. banking subsidiary, BBVA USA, for $11.5 billion in cash. PNC did not acquire the following entities as part of the acquisition: BBVA Securities, Inc., Propel Venture Partners Fund I, L.P. and BBVA Processing Services, Inc. This transaction has been accounted for as a business combination. Accordingly, the assets and liabilities from BBVA were recorded at fair value as of the acquisition date. The determination of fair value requires management to make estimates about discount rates, future expected cash flows, market conditions and other future events that are highly subjective in nature and subject to change. Fair value estimates related to the assets and liabilities from BBVA were subject to adjustment for up to one year after the closing date of the acquisition as additional information became available. Valuations subject to adjustment included, but were not limited to, loans, certain deposits, certain other assets, customer relationships and the core deposit intangibles. On October 12, 2021, PNC converted approximately 2.6 million customers, 9,000 employees and over 600 branches across seven states, merging BBVA USA into PNC Bank. PNC incurred an insignificant amount of merger and integration costs for the three month ended September 30, 2022 and $46 million for the nine months ended September 30, 2022, in connection with the transaction. These costs are recorded as contra-revenue and expense on the Consolidated Income Statement. The integration expenses are primarily related to retail services and realty expenses. Cumulative costs through September 30, 2022 were $851 million. The following table includes the fair value of the identifiable tangible and intangible assets and liabilities from BBVA: Table 34: Acquisition Consideration June 1, 2021 In millions Fair Value Fair value of acquisition consideration $ 11,480 Assets Cash and due from banks $ 969 Interest-earning deposits with banks 13,313 Loans held for sale 463 Investment securities – available for sale 18,358 Net loans 61,423 Equity investments 723 Mortgage servicing rights 35 Core deposit intangibles and other intangible assets 378 Other 3,527 Total assets $ 99,189 Liabilities Deposits $ 85,562 Borrowed funds 2,449 Accrued expenses and other liabilities 1,275 Total liabilities $ 89,286 Noncontrolling interests 22 Less: Net assets $ 9,881 Goodwill $ 1,599 Goodwill of $1.6 billion recorded in connection with the transaction resulted from the reputation, operating model and expertise of BBVA. The amount of goodwill recorded reflected the increased market share and related synergies that resulted from the acquisition, and represents the excess purchase price over the estimated fair value of the net assets from BBVA. The goodwill was allocated to each of our three business segments and is not deductible for income tax purposes. See Note 6 Goodwill and Mortgage Servicing Rights in Item 8 of our 2021 Form 10-K for additional information on the allocation of goodwill to the segments. For a description of the fair value and unpaid principal balance of loans from the BBVA acquisition, as well as the methods used to determine the fair values of significant assets and liabilities, see Note 2 Acquisition and Divestiture Activity in Item 8 of our 2021 Form 10-K.

Investment Securities

Investment Securities	9 Months Ended
	Sep. 30, 2022
Investment Securities Disclosure [Abstract]
Investment Securities	I NVESTMENT S ECURITIES Table 35: Investment Securities Summary (a) September 30, 2022 December 31, 2021 In millions Amortized Unrealized Fair Amortized Unrealized Fair Gains Losses Gains Losses Securities Available for Sale U.S. Treasury and government agencies $ 11,093 $ 9 $ (884) $ 10,218 $ 46,210 $ 324 $ (370) $ 46,164 Residential mortgage-backed Agency 31,993 4 (3,609) 28,388 67,326 695 (389) 67,632 Non-agency 725 151 (5) 871 927 231 1,158 Commercial mortgage-backed Agency 1,930 1 (176) 1,755 1,740 39 (6) 1,773 Non-agency 1,363 1 (61) 1,303 3,423 31 (18) 3,436 Asset-backed 106 27 (1) 132 6,380 60 (31) 6,409 Other 3,379 43 (291) 3,131 4,792 186 (14) 4,964 Total securities available for sale $ 50,589 $ 236 $ (5,027) $ 45,798 $ 130,798 $ 1,566 $ (828) $ 131,536 Securities Held to Maturity U.S. Treasury and government agencies $ 36,120 $ 1 $ (1,717) $ 34,404 $ 814 $ 76 $ 890 Residential mortgage-backed Agency 42,152 (3,391) 38,761 Non-agency 281 (23) 258 Commercial mortgage-backed Agency 663 (27) 636 Non-agency 1,746 2 (25) 1,723 Asset-backed 6,565 (161) 6,404 Other 3,126 (124) 3,002 612 27 $ (7) 632 Total securities held to maturity (c) (d) $ 90,653 $ 3 $ (5,468) $ 85,188 $ 1,426 $ 103 $ (7) $ 1,522 (a) At September 30, 2022, the accrued interest associated with our held to maturity and available for sale portfolios totaled $211 million and $140 million, respectively. The comparable amounts at December 31, 2021 were $5 million and $322 million, respectively. These amounts are included in Other assets on the Consolidated Balance Sheet. (b) Amortized cost is presented net of allowance of $133 million for securities available for sale and $7 million for securities held to maturity at September 30, 2022. The comparable amounts at December 31, 2021 were $130 million and $3 million, respectively. (c) Credit ratings represent a primary credit quality indicator used to monitor and manage credit risk. 99% and 86% of our securities held to maturity were rated AAA/AA at September 30, 2022 and December 31, 2021, respectively. (d) Held to maturity securities transferred from available for sale are included in held to maturity at fair value at the time of the transfer. The amortized cost of held to maturity securities included net unrealized losses of $5.4 billion, at September 30, 2022, related to securities transferred, which are offset in AOCI, net of tax. The fair value of investment securities is impacted by interest rates, credit spreads, market volatility and liquidity conditions. Securities available for sale are carried at fair value with net unrealized gains and losses included in Total shareholders’ equity as AOCI, unless credit related. Net unrealized gains and losses are determined by taking the difference between the fair value of a security and its amortized cost, net of any allowance. Securities held to maturity are carried at amortized cost less any allowance. Investment securities at September 30, 2022 included $2.0 billion of net unsettled purchases which represent non-cash investing activity, and accordingly, are not reflected on the Consolidated Statement of Cash Flows. The comparable amount for September 30, 2021 was $2.4 billion. In the third quarter of 2022, we transferred an additional $4.9 billion of securities, at fair value, from available for sale to held to maturity. The securities transferred included $3.3 billion of U.S. Treasury and government agency securities and $1.6 billion of agency residential mortgage-backed securities. During the first nine months of 2022, we transferred securities with a fair value of $82.7 billion from available for sale to held to maturity. The securities transferred included $34.0 billion of U.S. Treasury and government agency securities, $39.0 billion of agency residential mortgage-backed securities, $6.3 billion of asset-backed securities and $3.4 billion of other securities. The securities were reclassified at fair value at the time of the transfer and the transfers represented non-cash transactions. AOCI at September 30, 2022 included pretax unrealized losses of $5.4 billion related to the transfers. These unrealized losses will be amortized, consistent with the amortization of the discount on these securities, over the remaining life as an adjustment of yield, resulting in no impact to net interest income or net income. We maintain the allowance for investment securities at levels that we believe to be appropriate as of the balance sheet date to absorb expected credit losses on our portfolio. At September 30, 2022, the allowance for investment securities was $140 million and primarily related to non-agency commercial mortgage-backed securities in the available for sale portfolio. The comparable amount at December 31, 2021 was $133 million. See Note 1 Accounting Policies included in Item 8 of our 2021 Form 10-K for a discussion of the methodologies used to determine the allowance for investment securities. At September 30, 2022, AOCI included pretax losses of $132 million from derivatives that hedged the purchase of investment securities classified as held to maturity. The losses will be accreted to interest income as an adjustment of yield on the securities. Table 36 presents the gross unrealized losses and fair value of securities available for sale that do not have an associated allowance for investment securities at September 30, 2022 and December 31, 2021. These securities are segregated between investments that had been in a continuous unrealized loss position for less than twelve months and twelve months or more, based on the point in time that the fair value declined below the amortized cost basis. All securities included in the table have been evaluated to determine if a credit loss exists. As part of that assessment, as of September 30, 2022, we concluded that we do not intend to sell and believe we will not be required to sell these securities prior to recovery of the amortized cost basis. Table 36: Gross Unrealized Loss and Fair Value of Securities Available for Sale Without an Allowance for Credit Losses Unrealized loss position Unrealized loss position Total In millions Unrealized Fair Unrealized Fair Unrealized Fair September 30, 2022 U.S. Treasury and government agencies $ (817) $ 9,462 $ (67) $ 404 $ (884) $ 9,866 Residential mortgage-backed Agency (2,874) 24,373 (735) 3,602 (3,609) 27,975 Non-agency (3) 71 (1) 17 (4) 88 Commercial mortgage-backed Agency (166) 1,588 (10) 144 (176) 1,732 Non-agency (42) 945 (7) 236 (49) 1,181 Asset-backed (1) 10 (1) 10 Other (195) 2,266 (52) 314 (247) 2,580 Total securities available for sale $ (4,098) $ 38,715 $ (872) $ 4,717 $ (4,970) $ 43,432 December 31, 2021 U.S. Treasury and government agencies $ (370) $ 32,600 $ (370) $ 32,600 Agency residential mortgage-backed (369) 41,521 $ (20) $ 1,489 (389) 43,010 Commercial mortgage-backed Agency (5) 451 (1) 60 (6) 511 Non-agency (4) 1,453 (3) 474 (7) 1,927 Asset-backed (29) 3,465 (2) 188 (31) 3,653 Other (13) 1,405 (13) 1,405 Total securities available for sale $ (790) $ 80,895 $ (26) $ 2,211 $ (816) $ 83,106 Information relating to gross realized securities gains and losses from the sales of securities is set forth in the following table: Table 37: Gains (Losses) on Sales of Securities Available for Sale Nine months ended September 30 Gross Gains Gross Losses Net Gains (Losses) Tax Expense (Benefit) 2022 $ 11 $ (15) $ (4) $ (1) 2021 $ 275 $ (225) $ 50 $ 11 The following table presents, by remaining contractual maturity, the amortized cost, fair value and weighted-average yield of debt securities at September 30, 2022: Table 38: Contractual Maturity of Debt Securities September 30, 2022 1 Year or Less After 1 Year After 5 Years After 10 Total Securities Available for Sale U.S. Treasury and government agencies $ 3,686 $ 3,265 $ 2,100 $ 2,042 $ 11,093 Residential mortgage-backed Agency 2 79 2,985 28,927 31,993 Non-agency 7 718 725 Commercial mortgage-backed Agency 59 454 1,095 322 1,930 Non-agency 6 388 969 1,363 Asset-backed 10 96 106 Other 134 2,228 859 158 3,379 Total securities available for sale at amortized cost $ 3,881 $ 6,032 $ 7,444 $ 33,232 $ 50,589 Fair value $ 3,861 $ 5,645 $ 6,681 $ 29,611 $ 45,798 Weighted-average yield, GAAP basis (a) 2.38 % 1.67 % 2.30 % 2.75 % 2.52 % Securities Held to Maturity U.S. Treasury and government agencies $ 1,212 $ 25,882 $ 8,515 $ 511 $ 36,120 Residential mortgage-backed Agency 9 264 41,879 42,152 Non-agency 281 281 Commercial mortgage-backed Agency 448 215 663 Non-agency 115 5 1,626 1,746 Asset-backed 99 1,908 1,765 2,793 6,565 Other 230 1,057 592 1,247 3,126 Total securities held to maturity at amortized cost $ 1,541 $ 28,971 $ 11,589 $ 48,552 $ 90,653 Fair value $ 1,527 $ 27,909 $ 10,879 $ 44,873 $ 85,188 Weighted-average yield, GAAP basis (a) 1.25 % 1.26 % 2.01 % 2.66 % 2.11 % (a) Weighted-average yields are based on amortized cost with effective yields weighted for the contractual maturity of each security. Actual maturities and yields may differ as certain securities may be prepaid. At September 30, 2022, there were no securities of a single issuer, other than FNMA and FHLMC, that exceeded 10% of Total shareholders’ equity. The FNMA and FHLMC investments had a total amortized cost of $38.3 billion and $30.7 billion and fair value of $34.6 billion and $27.9 billion, respectively. The following table presents the fair value of securities that have been either pledged to or accepted from others to collateralize outstanding borrowings: Table 39: Fair Value of Securities Pledged and Accepted as Collateral In millions September 30 December 31 Pledged to others $ 19,408 $ 27,349 Accepted from others: Permitted by contract or custom to sell or repledge $ 1,507 $ 707 Permitted amount repledged to others $ 1,507 $ 707

Loans and Related Allowance for

Loans and Related Allowance for Credit Losses	9 Months Ended
	Sep. 30, 2022
Asset Quality [Abstract]
Loans and Related Allowance for Credit Losses	L OANS A ND R ELATED A LLOWANCE F OR C REDIT L OSSES Loan Portfolio Our loan portfolio consists of two portfolio segments – Commercial and Consumer. Each of these segments comprises multiple loan classes. Classes are characterized by similarities in risk attributes and the manner in which we monitor and assess credit risk. Commercial Consumer • Commercial and industrial • Residential real estate • Commercial real estate • Home equity • Equipment lease financing • Automobile • Credit card • Education • Other consumer See Note 1 Accounting Policies included in Item 8 of our 2021 Form 10-K for additional information on our loan related policies. Credit Quality We closely monitor economic conditions and loan performance trends to manage and evaluate our exposure to credit risk within the loan portfolio based on our defined loan classes. In doing so, we use several credit quality indicators, including trends in delinquency rates, nonperforming status, analysis of PD and LGD ratings, updated credit scores and originated and updated LTV ratios. The measurement of delinquency status is based on the contractual terms of each loan. Loans that are 30 days or more past due in terms of payment are considered delinquent. Loan delinquencies include government insured or guaranteed loans, loans accounted for under the fair value option and PCD loans. Table 40 presents the composition and delinquency status of our loan portfolio at September 30, 2022 and December 31, 2021. We manage credit risk based on the risk profile of the borrower, repayment sources, underlying collateral and other support given current events, economic conditions and expectations. We refine our practices to meet the changing environment resulting from rising inflation levels, supply chain disruptions, higher rates, and secular changes fostered by the COVID-19 pandemic. To mitigate losses and enhance customer support, we have customer assistance, loan modification and collection programs that align with the CARES Act and subsequent interagency guidance. As a result, under the CARES Act credit reporting rules, certain loans modified due to COVID-19 related hardships are not being reported as past due as of September 30, 2022 and December 31, 2021 based on the contractual terms of the loan, even where borrowers may not be making payments on their loans during the modification period. Table 40: Analysis of Loan Portfolio (a) (b) Accruing Dollars in millions Current or Less 30-59 60-89 90 Days Total Nonperforming Fair Value Total Loans September 30, 2022 Commercial Commercial and industrial $ 172,550 $ 321 $ 55 $ 139 $ 515 $ 748 $ 173,813 Commercial real estate 35,424 11 4 5 20 148 35,592 Equipment lease financing 6,173 6 6 12 7 6,192 Total commercial 214,147 338 65 144 547 903 215,597 Consumer Residential real estate 43,467 298 95 196 589 (c) 429 $ 572 45,057 Home equity 24,693 46 16 62 530 82 25,367 Automobile 14,735 96 21 6 123 167 15,025 Credit card 6,636 44 30 58 132 6 6,774 Education 2,162 36 26 63 125 (c) 2,287 Other consumer 5,212 21 15 12 48 33 5,293 Total consumer 96,905 541 203 335 1,079 1,165 654 99,803 Total $ 311,052 $ 879 $ 268 $ 479 $ 1,626 $ 2,068 $ 654 $ 315,400 Percentage of total loans 98.61 % 0.28 % 0.08 % 0.15 % 0.52 % 0.66 % 0.21 % 100.00 % December 31, 2021 Commercial Commercial and industrial $ 151,698 $ 235 $ 72 $ 132 $ 439 $ 796 $ 152,933 Commercial real estate 33,580 46 24 1 71 364 34,015 Equipment lease financing 6,095 25 2 27 8 6,130 Total commercial 191,373 306 98 133 537 1,168 193,078 Consumer Residential real estate 37,706 379 119 328 826 (c) 517 $ 663 39,712 Home equity 23,305 53 18 71 596 89 24,061 Automobile 16,252 146 40 14 200 183 16,635 Credit card 6,475 49 33 62 144 7 6,626 Education 2,400 43 25 65 133 (c) 2,533 Other consumer 5,644 35 22 17 74 9 5,727 Total consumer 91,782 705 257 486 1,448 1,312 752 95,294 Total $ 283,155 $ 1,011 $ 355 $ 619 $ 1,985 $ 2,480 $ 752 $ 288,372 Percentage of total loans 98.19 % 0.35 % 0.12 % 0.21 % 0.69 % 0.86 % 0.26 % 100.00 % (a) Amounts in table represent loans held for investment and do not include any associated ALLL. (b) The accrued interest associated with our loan portfolio totaled $1.0 billion and $0.7 billion at September 30, 2022 and December 31, 2021, respectively. These amounts are included in Other assets on the Consolidated Balance Sheet. (c) Past due loan amounts include government insured or guaranteed Residential real estate loans and Education loans totaling $0.3 billion and $0.1 billion at September 30, 2022. Comparable amounts at December 31, 2021 were $0.4 billion and $0.1 billion. (d) Consumer loans accounted for under the fair value option for which we do not expect to collect substantially all principal and interest are subject to nonaccrual accounting and classification upon meeting any of our nonaccrual policies. Given that these loans are not accounted for at amortized cost, these loans have been excluded from the nonperforming loan population. (e) Includes unearned income, unamortized deferred fees and costs on originated loans and premiums or discounts on purchased loans totaling $0.7 billion at both September 30, 2022 and December 31, 2021. (f) Collateral dependent loans totaled $1.3 billion and $1.7 billion at September 30, 2022 and December 31, 2021, respectively. At September 30, 2022, we pledged $26.0 billion of commercial and other loans to the Federal Reserve Bank and $90.7 billion of residential real estate and other loans to the FHLB as collateral for the ability to borrow, if necessary. The comparable amounts at December 31, 2021 were $25.7 billion and $66.2 billion, respectively. Amounts pledged reflect the unpaid principal balances. Nonperforming Assets Nonperforming assets include nonperforming loans and leases, OREO and foreclosed assets. Nonperforming loans are those loans accounted for at amortized cost whose credit quality has deteriorated to the extent that full collection of contractual principal and interest is not probable and include nonperforming TDRs and PCD loans. Interest income is not recognized on these loans. Loans accounted for under the fair value option are reported as performing loans; however, when nonaccrual criteria is met, interest income is not recognized on these loans. Additionally, certain government insured or guaranteed loans for which we expect to collect The following table presents our nonperforming assets as of September 30, 2022 and December 31, 2021, respectively: Table 41: Nonperforming Assets Dollars in millions September 30 December 31 Nonperforming loans Commercial $ 903 $ 1,168 Consumer (a) 1,165 1,312 Total nonperforming loans (b) 2,068 2,480 OREO and foreclosed assets 33 26 Total nonperforming assets $ 2,101 $ 2,506 Nonperforming loans to total loans 0.66 % 0.86 % Nonperforming assets to total loans, OREO and foreclosed assets 0.67 % 0.87 % Nonperforming assets to total assets 0.38 % 0.45 % (a) Excludes most unsecured consumer loans and lines of credit, which are charged off after 120 to 180 days past due and are not placed on nonperforming status. (b) Nonperforming loans for which there is no related ALLL totaled $0.9 billion at September 30, 2022 and primarily include loans with a fair value of collateral that exceeds the amortized cost basis. The comparable amount at December 31, 2021 was $1.0 billion. Nonperforming loans include certain loans whose terms have been restructured in a manner that grants a concession to a borrower experiencing financial difficulties. In accordance with applicable accounting guidance, these loans are considered TDRs. See Note 1 Accounting Policies included in Item 8 of our 2021 Form 10-K and the Troubled Debt Restructurings section of this Note 4 for additional information on TDRs. Total nonperforming loans in Table 41 include TDRs of $0.7 billion and $1.0 billion at September 30, 2022 and December 31, 2021, respectively. TDRs that are performing, including consumer credit card TDR loans, are excluded from nonperforming loans and totaled $0.7 billion and $0.6 billion at September 30, 2022 and December 31, 2021, respectively. Additional Credit Quality Indicators by Loan Class Commercial Loan Classes See Note 4 Loans and Related Allowance for Credit Losses included in Item 8 of our 2021 Form 10-K for additional information related to these loan classes, including discussion around the credit quality indicators that we use to monitor and manage the credit risk associated with each loan class. The following table presents credit quality indicators for the commercial loan classes: Table 42: Commercial Credit Quality Indicators (a) Term Loans by Origination Year September 30, 2022 In millions 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Total Commercial and industrial Pass Rated $ 31,271 $ 14,475 $ 9,018 $ 7,607 $ 4,858 $ 14,602 $ 85,101 $ 69 $ 167,001 Criticized 802 439 360 429 334 643 3,777 28 6,812 Total commercial and industrial 32,073 14,914 9,378 8,036 5,192 15,245 88,878 97 173,813 Commercial real estate Pass Rated 6,789 4,114 3,684 5,975 3,198 7,957 266 31,983 Criticized 332 39 235 583 833 1,584 3 3,609 Total commercial real estate 7,121 4,153 3,919 6,558 4,031 9,541 269 35,592 Equipment lease financing Pass Rated 1,168 1,010 1,000 718 454 1,599 5,949 Criticized 45 59 61 42 21 15 243 Total equipment lease financing 1,213 1,069 1,061 760 475 1,614 6,192 Total commercial $ 40,407 $ 20,136 $ 14,358 $ 15,354 $ 9,698 $ 26,400 $ 89,147 $ 97 $ 215,597 Term Loans by Origination Year December 31, 2021 In millions 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Total Commercial and industrial Pass Rated $ 27,104 $ 12,053 $ 10,731 $ 6,698 $ 6,355 $ 11,759 $ 71,230 $ 90 $ 146,020 Criticized 283 368 815 649 496 824 3,448 30 6,913 Total commercial and industrial 27,387 12,421 11,546 7,347 6,851 12,583 74,678 120 152,933 Commercial real estate Pass Rated 4,110 4,109 6,355 4,234 2,634 7,562 436 29,440 Criticized 294 298 999 820 566 1,552 46 4,575 Total commercial real estate 4,404 4,407 7,354 5,054 3,200 9,114 482 34,015 Equipment lease financing Pass Rated 1,212 1,190 942 682 507 1,410 5,943 Criticized 37 54 41 29 19 7 187 Total equipment lease financing 1,249 1,244 983 711 526 1,417 6,130 Total commercial $ 33,040 $ 18,072 $ 19,883 $ 13,112 $ 10,577 $ 23,114 $ 75,160 $ 120 $ 193,078 (a) Loans in our commercial portfolio are classified as Pass Rated or Criticized based on the regulatory definitions, which are driven by the PD and LGD ratings that we assign. The Criticized classification includes loans that were rated special mention, substandard or doubtful as of September 30, 2022 and December 31, 2021. Consumer Loan Classes See Note 4 Loans and Related Allowance for Credit Losses included in Item 8 of our 2021 Form 10-K for additional information related to these loan classes, including discussion around the credit quality indicators that we use to monitor and manage the credit risk associated with each loan class. Residential Real Estate and Home Equity The following table presents credit quality indicators for the residential real estate and home equity loan classes: Table 43: Credit Quality Indicators for Residential Real Estate and Home Equity Loan Classes Term Loans by Origination Year September 30, 2022 In millions 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Total Loans Residential real estate Current estimated LTV ratios Greater than 100% $ 46 $ 24 $ 6 $ 6 $ 40 $ 122 Greater than or equal to 80% to 100% $ 979 529 173 67 19 95 1,862 Less than 80% 8,168 16,197 7,240 2,409 852 7,493 42,359 No LTV available 53 1 8 62 Government insured or guaranteed loans 3 9 50 35 24 531 652 Total residential real estate $ 9,150 $ 16,834 $ 7,488 $ 2,517 $ 901 $ 8,167 $ 45,057 Updated FICO scores Greater than or equal to 780 $ 5,416 $ 12,138 $ 5,267 $ 1,644 $ 465 $ 4,113 $ 29,043 720 to 779 3,152 3,294 1,457 499 212 1,610 10,224 660 to 719 442 752 403 190 91 806 2,684 Less than 660 42 109 112 83 71 775 1,192 No FICO score available 95 532 199 66 38 332 1,262 Government insured or guaranteed loans 3 9 50 35 24 531 652 Total residential real estate $ 9,150 $ 16,834 $ 7,488 $ 2,517 $ 901 $ 8,167 $ 45,057 Home equity Current estimated LTV ratios Greater than 100% $ 2 $ 12 $ 7 $ 1 $ 14 $ 220 $ 95 $ 351 Greater than or equal to 80% to 100% 4 52 27 4 30 748 1,058 1,923 Less than 80% 179 2,143 1,004 300 3,021 7,861 8,585 23,093 Total home equity $ 185 $ 2,207 $ 1,038 $ 305 $ 3,065 $ 8,829 $ 9,738 $ 25,367 Updated FICO scores Greater than or equal to 780 $ 109 $ 1,400 $ 577 $ 162 $ 1,895 $ 5,154 $ 5,123 $ 14,420 720 to 779 51 537 269 69 602 2,274 2,582 6,384 660 to 719 21 212 138 44 307 1,059 1,331 3,112 Less than 660 4 55 53 29 251 324 633 1,349 No FICO score available 3 1 1 10 18 69 102 Total home equity $ 185 $ 2,207 $ 1,038 $ 305 $ 3,065 $ 8,829 $ 9,738 $ 25,367 (Continued from previous page) Term Loans by Origination Year December 31, 2021 In millions 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Total Loans Residential real estate Current estimated LTV ratios Greater than 100% $ 10 $ 52 $ 21 $ 12 $ 13 $ 77 $ 185 Greater than or equal to 80% to 100% 1,460 560 221 86 66 190 2,583 Less than 80% 15,213 7,822 2,834 1,004 1,570 7,385 35,828 No LTV available 275 6 1 1 22 305 Government insured or guaranteed loans 3 33 37 30 39 669 811 Total residential real estate $ 16,961 $ 8,473 $ 3,114 $ 1,133 $ 1,688 $ 8,343 $ 39,712 Updated FICO scores Greater than or equal to 780 $ 11,110 $ 5,898 $ 1,996 $ 596 $ 1,029 $ 4,052 $ 24,681 720 to 779 4,921 1,735 643 247 345 1,619 9,510 660 to 719 717 463 255 136 133 796 2,500 Less than 660 83 103 96 75 94 848 1,299 No FICO score available 127 241 87 49 48 359 911 Government insured or guaranteed loans 3 33 37 30 39 669 811 Total residential real estate $ 16,961 $ 8,473 $ 3,114 $ 1,133 $ 1,688 $ 8,343 $ 39,712 Home equity Current estimated LTV ratios Greater than 100% $ 1 $ 16 $ 14 $ 3 $ 2 $ 25 $ 329 $ 90 $ 480 Greater than or equal to 80% to 100% 7 85 62 13 11 66 990 674 1,908 Less than 80% 204 2,487 1,189 370 549 3,200 7,868 5,806 21,673 Total home equity $ 212 $ 2,588 $ 1,265 $ 386 $ 562 $ 3,291 $ 9,187 $ 6,570 $ 24,061 Updated FICO scores Greater than or equal to 780 $ 124 $ 1,619 $ 692 $ 201 $ 364 $ 2,035 $ 5,490 $ 3,320 $ 13,845 720 to 779 61 666 348 96 116 642 2,283 1,679 5,891 660 to 719 23 248 167 56 53 327 1,071 872 2,817 Less than 660 4 53 57 32 28 277 325 615 1,391 No FICO score available 2 1 1 1 10 18 84 117 Total home equity $ 212 $ 2,588 $ 1,265 $ 386 $ 562 $ 3,291 $ 9,187 $ 6,570 $ 24,061 Automobile, Credit Card, Education and Other Consumer The following table presents credit quality indicators for the automobile, credit card, education and other consumer loan classes: Table 44: Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes Term Loans by Origination Year September 30, 2022 In millions 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Total Loans Updated FICO Scores Automobile FICO score greater than or equal to 780 $ 1,984 $ 2,327 $ 1,041 $ 887 $ 301 $ 111 $ 6,651 720 to 779 1,277 1,503 649 635 277 100 4,441 660 to 719 622 728 388 470 229 79 2,516 Less than 660 117 289 242 404 266 99 1,417 Total automobile $ 4,000 $ 4,847 $ 2,320 $ 2,396 $ 1,073 $ 389 $ 15,025 Credit card FICO score greater than or equal to 780 $ 1,835 $ 2 $ 1,837 720 to 779 1,945 7 1,952 660 to 719 1,876 15 1,891 Less than 660 952 32 984 No FICO score available or required (a) 107 3 110 Total credit card $ 6,715 $ 59 $ 6,774 Education FICO score greater than or equal to 780 $ 18 $ 55 $ 51 $ 63 $ 52 $ 373 $ 612 720 to 779 20 28 25 31 25 151 280 660 to 719 12 8 8 10 9 64 111 Less than 660 2 1 1 2 2 22 30 No FICO score available or required (a) 16 8 9 6 2 1 42 Education loans using FICO credit metric 68 100 94 112 90 611 1,075 Other internal credit metrics 1,212 1,212 Total education $ 68 $ 100 $ 94 $ 112 $ 90 $ 1,823 $ 2,287 Other consumer FICO score greater than or equal to 780 $ 176 $ 118 $ 68 $ 59 $ 20 $ 22 $ 51 $ 2 $ 516 720 to 779 240 149 84 80 28 16 93 2 692 660 to 719 182 122 83 83 37 11 96 3 617 Less than 660 15 49 42 48 26 7 45 2 234 Other consumer loans using FICO credit metric 613 438 277 270 111 56 285 9 2,059 Other internal credit metrics 78 44 39 59 8 31 2,950 25 3,234 Total other consumer $ 691 $ 482 $ 316 $ 329 $ 119 $ 87 $ 3,235 $ 34 $ 5,293 (Continued from previous page) Term Loans by Origination Year December 31, 2021 In millions 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Total Loans Updated FICO Scores Automobile FICO score greater than or equal to 780 $ 3,247 $ 1,496 $ 1,380 $ 533 $ 226 $ 79 $ 6,961 720 to 779 2,119 983 1,030 499 195 62 4,888 660 to 719 969 609 772 413 155 44 2,962 Less than 660 277 315 583 429 162 58 1,824 Total automobile $ 6,612 $ 3,403 $ 3,765 $ 1,874 $ 738 $ 243 $ 16,635 Credit card FICO score greater than or equal to 780 $ 1,815 $ 2 $ 1,817 720 to 779 1,836 9 1,845 660 to 719 1,856 19 1,875 Less than 660 943 29 972 No FICO score available or required (a) 114 3 117 Total credit card $ 6,564 $ 62 $ 6,626 Education FICO score greater than or equal to 780 $ 37 $ 60 $ 77 $ 62 $ 48 $ 392 $ 676 720 to 779 20 29 37 30 21 160 297 660 to 719 7 9 11 11 7 73 118 Less than 660 1 1 2 2 2 25 33 No FICO score available or required (a) 11 10 7 2 1 31 Education loans using FICO credit metric 76 109 134 107 78 651 1,155 Other internal credit metrics 1,378 1,378 Total education $ 76 $ 109 $ 134 $ 107 $ 78 $ 2,029 $ 2,533 Other consumer FICO score greater than or equal to 780 $ 199 $ 131 $ 123 $ 47 $ 12 $ 32 $ 95 $ 1 $ 640 720 to 779 250 172 167 68 15 19 125 816 660 to 719 190 145 165 82 16 11 122 731 Less than 660 50 62 85 54 10 6 50 1 318 Other consumer loans using FICO credit metric 689 510 540 251 53 68 392 2 2,505 Other internal credit metrics 87 31 35 23 22 48 2,955 21 3,222 Total other consumer $ 776 $ 541 $ 575 $ 274 $ 75 $ 116 $ 3,347 $ 23 $ 5,727 (a) Loans with no FICO score available or required generally refers to new accounts issued to borrowers with limited credit history, accounts for which we cannot obtain an updated FICO score ( e.g. , recent profile changes), cards issued with a business name and/or cards secured by collateral. Management proactively assesses the risk and size of this loan category and, when necessary, takes actions to mitigate the credit risk. Troubled Debt Restructurings Table 45 quantifies the number of loans that were classified as TDRs as well as the change in the loans’ balance as a result of becoming a TDR during the three and nine months ended September 30, 2022 and September 30, 2021. Additionally, the table provides information about the types of TDR concessions. See Note 1 Accounting Policies and Note 4 Loans and Related Allowance for Credit Losses included in Item 8 of our 2021 Form 10-K for additional discussion of TDRs. Table 45: Financial Impact and TDRs by Concession Type (a) Pre-TDR Post-TDR Amortized Cost Basis (c) During the three months ended September 30, 2022 Dollars in millions Number Principal Rate Other Total Commercial 15 $ 96 $ 10 $ 67 $ 77 Consumer 2,232 40 29 6 35 Total TDRs 2,247 $ 136 $ 39 $ 73 $ 112 During the nine months ended September 30, 2022 Dollars in millions Commercial 42 $ 184 $ 9 $ 10 $ 135 $ 154 Consumer 8,152 126 95 18 113 Total TDRs 8,194 $ 310 $ 9 $ 105 $ 153 $ 267 Pre-TDR Post-TDR Amortized Cost Basis (c) During the three months ended September 30, 2021 Dollars in millions Number Principal Rate Other Total Commercial 13 $ 123 $ 139 $ 139 Consumer 1,340 31 $ 21 7 28 Total TDRs 1,353 $ 154 $ 21 $ 146 $ 167 During the nine months ended September 30, 2021 Dollars in millions Commercial 43 $ 320 $ 315 $ 315 Consumer 4,822 86 $ 49 28 77 Total TDRs 4,865 $ 406 $ 49 $ 343 $ 392 (a) Impact of partial charge-offs at TDR date is included in this table. (b) Represents the amortized cost basis of the loans as of the quarter end prior to TDR designation. (c) Represents the amortized cost basis of the TDRs as of the end of the quarter in which the TDR occurs. After a loan is determined to be a TDR, we continue to track its performance under its most recent restructured terms. We consider a TDR to have subsequently defaulted when it becomes 60 days past due after the most recent date the loan was restructured. The following table provides a summary of TDRs that subsequently defaulted during the periods presented and were classified as TDRs during the applicable 12-month period preceding September 30, 2022 and September 30, 2021. Table 46: Subsequently Defaulted TDRs In millions 2022 2021 Three months ended September 30 $ 23 $ 6 Nine months ended September 30 $ 45 $ 25 Allowance for Credit Losses We maintain the ACL related to loans at levels that we believe to be appropriate to absorb expected credit losses in the portfolios as of the balance sheet date. See Note 1 Accounting Policies included in Item 8 of our 2021 Form 10-K for a discussion of the methodologies used to determine this allowance. A rollforward of the ACL related to loans follows: Table 47: Rollforward of Allowance for Credit Losses Three months ended September 30 Nine months ended September 30 2022 2021 2022 2021 In millions Commercial Consumer Total Commercial Consumer Total Commercial Consumer Total Commercial Consumer Total Allowance for loan and lease losses Beginning balance $ 2,937 $ 1,525 $ 4,462 $ 3,812 $ 1,918 $ 5,730 $ 3,185 $ 1,683 $ 4,868 $ 3,337 $ 2,024 $ 5,361 Acquisition PCD reserves (54) (5) (59) 774 282 1,056 Charge-offs (73) (149) (222) (50) (156) (206) (162) (506) (668) (393) (484) (877) Recoveries 25 78 103 29 96 125 78 251 329 81 263 344 Net (charge-offs) (48) (71) (119) (21) (60) (81) (84) (255) (339) (312) (221) (533) Provision for (recapture of) credit losses 174 67 241 (129) (100) (229) (34) 93 59 (193) (332) (525) Other (2) (1) (3) (5) (1) (6) (6) $ (1) (7) (3) (1) (4) Ending balance $ 3,061 $ 1,520 $ 4,581 $ 3,603 $ 1,752 $ 5,355 $ 3,061 $ 1,520 $ 4,581 $ 3,603 $ 1,752 $ 5,355 Allowance for unfunded lending related commitments (a) Beginning balance $ 630 $ 51 $ 681 $ 533 $ 112 $ 645 $ 564 $ 98 $ 662 $ 485 $ 99 $ 584 Acquisition PCD reserves 43 3 46 Provision for (recapture of) credit losses (22) 23 1 2 (1) 1 44 (24) 20 7 9 16 Ending balance $ 608 $ 74 $ 682 $ 535 $ 111 $ 646 $ 608 $ 74 $ 682 $ 535 $ 111 $ 646 Allowance for credit losses at September 30 (b) $ 3,669 $ 1,594 $ 5,263 $ 4,138 $ 1,863 $ 6,001 $ 3,669 $ 1,594 $ 5,263 $ 4,138 $ 1,863 $ 6,001 (a) See Note 9 Commitments for additional information about the underlying commitments related to this allowance. (b) Represents the ALLL plus allowance for unfunded lending related commitments and excludes allowances for investment securities and other financial assets, which together totaled $162 million at both September 30, 2022 and 2021. The ACL related to loans at September 30, 2022 totaled $5.3 billion, a decrease of $0.2 billion since December 31, 2021. The following summarizes the changes in factors that influenced the ACL decline during the nine months ended September 30, 2022. • The reassessment of pandemic-related risks drove reduced reserves at September 30, 2022, partially offset by the heightened economic stress which impacted our macroeconomic scenarios and related weightings.

Loan Sale and Servicing Activit

Loan Sale and Servicing Activities and Variable Interest Entities	9 Months Ended
	Sep. 30, 2022
Loan Sale and Servicing Activities and Variable Interest Entities [Abstract]
Loan Sale and Servicing Activities and Variable Interest Entities	L OAN S ALE AND S ERVICING A CTIVITIES AND V ARIABLE I NTEREST E NTITIES Loan Sale and Servicing Activities As more fully described in Note 5 Loan Sale and Servicing Activities and Variable Interest Entities in Item 8 of our 2021 Form 10-K, we have transferred residential and commercial mortgage loans in securitization or sales transactions in which we have continuing involvement. Our continuing involvement in the FNMA, FHLMC and GNMA securitizations, Non-agency securitizations and loan sale transactions generally consists of servicing, repurchasing previously transferred loans under certain conditions and loss share arrangements, and, in limited circumstances, holding of mortgage-backed securities issued by the securitization SPEs. We earn servicing and other ancillary fees for our role as servicer and, depending on the contractual terms of the servicing arrangement, we can be terminated as servicer with or without cause. At the consummation date of each type of loan transfer where we retain the servicing, we recognize a servicing right at fair value. See Note 9 Commitments and Note 12 Fair Value for information on our servicing rights, including the carrying value of servicing assets. The following table provides our loan sale and servicing activities: Table 48: Loan Sale and Servicing Activities In millions Residential Commercial Cash Flows - Three months ended September 30, 2022 Sales of loans and related securitization activity (b) $ 1,019 $ 863 Repurchases of previously transferred loans (c) $ 49 Servicing fees (d) $ 99 $ 51 Servicing advances recovered/(funded), net $ 11 $ 11 Cash flows on mortgage-backed securities held (e) $ 797 $ 15 Cash Flows - Three months ended September 30, 2021 Sales of loans and related securitization activity (b) $ 2,475 $ 881 Repurchases of previously transferred loans (c) $ 45 $ 103 Servicing fees (d) $ 105 $ 43 Servicing advances recovered/(funded), net $ (4) $ 28 Cash flows on mortgage-backed securities held (e) $ 2,041 $ 18 Cash Flows - Nine months ended September 30, 2022 Sales of loans and related securitization activity (b) $ 4,367 $ 2,702 Repurchases of previously transferred loans (c) $ 154 $ 27 Servicing fees (d) $ 283 $ 140 Servicing advances recovered/(funded), net $ 44 $ 15 Cash flows on mortgage-backed securities held (e) $ 3,122 $ 43 Cash Flows - Nine months ended September 30, 2021 Sales of loans and related securitization activity (b) $ 5,997 $ 2,604 Repurchases of previously transferred loans (c) $ 189 $ 145 Servicing fees (d) $ 270 $ 119 Servicing advances recovered/(funded), net $ 8 $ (8) Cash flows on mortgage-backed securities held (e) $ 7,256 $ 66 (a) Represents both commercial mortgage loan transfers and servicing activities. (b) Gains/losses recognized on sales of loans were insignificant for the periods presented. (c) Includes both residential and commercial mortgage government insured or guaranteed loans eligible for repurchase through the exercise of our ROAP option, as well as residential mortgage loans repurchased due to alleged breaches of origination covenants or representations and warranties made to purchasers. (d) Includes contractually specified servicing fees, late charges and ancillary fees. (e) Represents cash flows on securities where we transferred to and/or service loans for a securitization SPE and we hold securities issued by that SPE. The carrying values of such securities held were $19.1 billion, $17.6 billion and $15.9 billion in residential mortgage-backed securities and $0.7 billion, $0.6 billion and $0.6 billion in commercial mortgage-backed securities at September 30, 2022, December 31, 2021 and September 30, 2021. Table 49: Principal Balance, Delinquent Loans and Net Charge-offs Related to Serviced Loans For Others In millions Residential Mortgages Commercial Mortgages (a) September 30, 2022 Total principal balance $ 41,413 $ 38,457 Delinquent loans (b) $ 354 $ 1 December 31, 2021 Total principal balance $ 42,726 $ 39,551 Delinquent loans (b) $ 569 $ 42 Three months ended September 30, 2022 Net charge-offs (c) $ 1 $ 9 Three months ended September 30, 2021 Net charge-offs (c) $ 1 $ 2 Nine months ended September 30, 2022 Net charge-offs (c) $ 3 $ 12 Nine months ended September 30, 2021 Net charge-offs (c) $ 4 $ 180 (a) Represents information at the securitization level in which we have sold loans and we are the servicer for the securitization. (b) Serviced delinquent loans are 90 days or more past due or are in the process of foreclosure. (c) Net charge-offs for residential mortgages represent credit losses less recoveries distributed and as reported to investors during the period. Net charge-offs for commercial mortgages represent credit losses less recoveries distributed and as reported by the trustee for commercial mortgage-backed securitizations. Realized losses for Agency securitizations are not reflected as we do not manage the underlying real estate upon foreclosure and, as such, do not have access to loss information. Variable Interest Entities (VIEs) As discussed in Note 5 Loan Sale and Servicing Activities and Variable Interest Entities included in Item 8 of our 2021 Form 10-K, we are involved with various entities in the normal course of business that are deemed to be VIEs. The following table provides a summary of non-consolidated VIEs with which we have significant continuing involvement but are not the primary beneficiary. We have excluded certain transactions with non-consolidated VIEs from the balances presented in Table 50 where we have determined that our continuing involvement is insignificant. We do not consider our continuing involvement to be significant when it relates to a VIE where we only invest in securities issued by the VIE and were not involved in the design of the VIE or where no transfers have occurred between us and the VIE. In addition, where we only have lending arrangements in the normal course of business with entities that could be VIEs, we have excluded these transactions with non-consolidated entities from the balances presented in Table 50. These loans are included as part of the asset quality disclosures that we make in Note 4 Loans and Related Allowance for Credit Losses. Table 50 : Non-Consolidated VIEs In millions PNC Risk of Loss (a) Carrying Value of Assets Carrying Value of Liabilities September 30, 2022 Mortgage-backed securitizations (b) $ 20,233 $ 20,237 (c) $ 1 Tax credit investments and other 4,186 4,019 (d) 1,961 (e) Total $ 24,419 $ 24,256 $ 1,962 December 31, 2021 Mortgage-backed securitizations (b) $ 18,708 $ 18,708 (c) $ 1 Tax credit investments and other 3,865 3,893 (d) 1,798 (e) Total $ 22,573 $ 22,601 $ 1,799 (a) Represents loans, investments and other assets related to non-consolidated VIEs, net of collateral (if applicable). The risk of loss excludes any potential tax recapture associated with tax credit investments. (b) Amounts reflect involvement with securitization SPEs where we transferred to and/or service loans for an SPE and we hold securities issued by that SPE. Values disclosed in the PNC Risk of Loss column represent our maximum exposure to loss for those securities’ holdings. (c) Included in Investment securities, Mortgage servicing rights and Other assets on our Consolidated Balance Sheet. (d) Included in Investment securities, Loans, Equity investments and Other assets on our Consolidated Balance Sheet. (e) Included in Deposits and Other liabilities on our Consolidated Balance Sheet.

Goodwill and Mortgage Servicing

Goodwill and Mortgage Servicing Rights	9 Months Ended
	Sep. 30, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Mortgage Servicing Rights	G OODWILL AND M ORTGAGE S ERVICING R IGHTS Goodwill See Note 6 Goodwill and Mortgage Servicing Rights in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K for more information regarding our goodwill. Mortgage Servicing Rights We recognize the right to service mortgage loans for others as an intangible asset when the servicing income we receive is more than our projected servicing costs. MSRs are recognized either when purchased or when originated loans are sold with servicing retained. MSRs totaled $3.2 billion at September 30, 2022 and $1.8 billion at December 31, 2021, and consisted of loan servicing contracts for commercial and residential mortgages measured at fair value. MSRs are subject to changes in value from actual or expected prepayment of the underlying loans and defaults, as well as market driven changes in interest rates. We manage this risk by economically hedging the fair value of MSRs with securities, derivative instruments and resale agreements which are expected to increase (or decrease) in value when the value of MSRs decreases (or increases). See the Sensitivity Analysis section of this Note 6 for more detail on our fair value measurement of MSRs. See Note 6 Goodwill and Mortgage Servicing Rights and Note 15 Fair Value in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K for more detail on our fair value measurement and our accounting of MSRs. Changes in the commercial and residential MSRs follow: Table 51: Mortgage Servicing Rights Commercial MSRs Residential MSRs In millions 2022 2021 2022 2021 January 1 $ 740 $ 569 $ 1,078 $ 673 Additions: BBVA Acquisition 35 From loans sold with servicing retained 52 61 49 61 Purchases 32 26 620 400 Changes in fair value due to: Time and payoffs (a) (130) (87) (178) (242) Other (b) 438 134 505 203 September 30 $ 1,132 $ 703 $ 2,074 $ 1,130 Related unpaid principal balance at September 30 $ 281,931 $ 263,862 $ 169,678 $ 139,154 Servicing advances at September 30 $ 448 $ 445 $ 132 $ 139 (a) Represents decrease in MSR value due to passage of time, including the impact from both regularly scheduled loan principal payments and loans that were paid down or paid off during the period. (b) Represents MSR value changes resulting primarily from market-driven changes in interest rates. Sensitivity Analysis The fair value of commercial and residential MSRs and significant inputs to the valuation models as of September 30, 2022 and December 31, 2021 are shown in Tables 52 and 53. The expected and actual rates of mortgage loan prepayments are significant factors driving the fair value. Management uses both internal proprietary models and a third-party model to estimate future commercial mortgage loan prepayments and a third-party model to estimate future residential mortgage loan prepayments. These models have been refined based on current market conditions and management judgment. Future interest rates are another important factor in the valuation of MSRs. Management utilizes market implied forward interest rates to estimate the future direction of mortgage and discount rates. The forward rates utilized are derived from the current yield curve for U.S. dollar interest rate swaps and are consistent with pricing of capital markets instruments. Changes in the shape and slope of the forward curve in future periods may result in volatility in the fair value estimate. A sensitivity analysis of the hypothetical effect on the fair value of MSRs to adverse changes in key assumptions is presented in Tables 52 and 53. These sensitivities do not include the impact of the related hedging activities. Changes in fair value generally cannot be extrapolated because the relationship of the change in the assumption to the change in fair value may not be linear. Also, the effect of a variation in a particular assumption on the fair value of the MSRs is calculated independently without changing any other assumption. In reality, changes in one factor may result in changes in another ( e.g. , changes in mortgage interest rates, which drive changes in prepayment rate estimates, could result in changes in the interest rate spread), which could either magnify or counteract the sensitivities. The following tables set forth the fair value of commercial and residential MSRs and the sensitivity analysis of the hypothetical effect on the fair value of MSRs to immediate adverse changes of 10% and 20% in those assumptions. Table 52: Commercial Mortgage Servicing Rights – Key Valuation Assumptions Dollars in millions September 30 December 31 Fair value $ 1,132 $ 740 Weighted-average life (years) 4.1 4.2 Weighted-average constant prepayment rate 4.25 % 5.49 % Decline in fair value from 10% adverse change $ 8 $ 12 Decline in fair value from 20% adverse change $ 16 $ 21 Effective discount rate 9.73 % 7.75 % Decline in fair value from 10% adverse change $ 35 $ 20 Decline in fair value from 20% adverse change $ 69 $ 40 Table 53: Residential Mortgage Servicing Rights – Key Valuation Assumptions Dollars in millions September 30 December 31 Fair value $ 2,074 $ 1,078 Weighted-average life (years) 7.9 5.7 Weighted-average constant prepayment rate 6.76 % 12.63 % Decline in fair value from 10% adverse change $ 49 $ 46 Decline in fair value from 20% adverse change $ 95 $ 89 Weighted-average option adjusted spread 759 bps 857 bps Decline in fair value from 10% adverse change $ 60 $ 31 Decline in fair value from 20% adverse change $ 117 $ 60 Fees from mortgage loan servicing, which include contractually specified servicing fees, late fees and ancillary fees were $0.1 billion and $0.2 billion for the three months ended September 30, 2022 and 2021, respectively, and $0.4 billion for both the nine months ended September 30, 2022 and 2021. We also generate servicing fees from fee-based activities provided to others for which we do not have an associated servicing asset. Fees from commercial and residential MSRs are reported within Noninterest income on our Consolidated Income Statement in Residential and commercial mortgage.

Leases

Leases	9 Months Ended
	Sep. 30, 2022
Leases [Abstract]
Leases	LEASESPNC's lessor arrangements primarily consist of direct financing, sales-type and operating leases for equipment. Lease agreements may include options to renew and for the lessee to purchase the leased equipment at the end of the lease term. For more information on lease accounting see Note 1 Accounting Policies and Note 7 Leases in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. Table 54: Lessor Income Three months ended Nine months ended In millions 2022 2021 2022 2021 Sales-type and direct financing leases (a) $ 61 $ 61 $ 177 $ 184 Operating leases (b) 15 18 48 58 Lease income $ 76 $ 79 $ 225 $ 242 (a) Included in Loans interest income on the Consolidated Income Statement. (b) Included in Lending and deposit services on the Consolidated Income Statement.
Leases	LEASESPNC's lessor arrangements primarily consist of direct financing, sales-type and operating leases for equipment. Lease agreements may include options to renew and for the lessee to purchase the leased equipment at the end of the lease term. For more information on lease accounting see Note 1 Accounting Policies and Note 7 Leases in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. Table 54: Lessor Income Three months ended Nine months ended In millions 2022 2021 2022 2021 Sales-type and direct financing leases (a) $ 61 $ 61 $ 177 $ 184 Operating leases (b) 15 18 48 58 Lease income $ 76 $ 79 $ 225 $ 242 (a) Included in Loans interest income on the Consolidated Income Statement. (b) Included in Lending and deposit services on the Consolidated Income Statement.

Borrowed Funds

Borrowed Funds	9 Months Ended
	Sep. 30, 2022
Debt Disclosure [Abstract]
Borrowed Funds	B ORROWED F UNDS Table 55: Borrowed Funds In billions Less than 1 year $ 5.9 1 to 2 years $ 8.4 2 to 3 years $ 20.5 3 to 4 years $ 9.2 4 to 5 years $ 0.7 Over 5 years $ 9.9 The following table presents the contractual rates and maturity dates of our FHLB borrowings, senior debt and subordinated debt as of September 30, 2022, and the carrying values as of September 30, 2022 and December 31, 2021. Table 56: FHLB Borrowings, Senior Debt and Subordinated Debt Stated Rate Maturity Carrying Value Dollars in millions 2022 2022 2022 2021 Parent Company Senior debt 1.15% - 3.50% 2022 - 2032 $ 8,296 $ 10,369 Subordinated debt 3.90% - 4.63% 2024 - 2033 1,520 777 Junior subordinated debt 3.65 % 2028 206 205 Subtotal 10,022 11,351 Bank Federal Home Loan Bank borrowings (a) 3.14% - 3.38% 2023 - 2026 30,075 Senior debt 2.50% - 3.50% 2023 - 2043 5,061 10,292 Subordinated debt 2.70% - 5.90% 2022 - 2029 5,560 6,014 Subtotal 40,696 16,306 Total $ 50,718 $ 27,657 (a) FHLB borrowings are generally collateralized by residential mortgage loans, other mortgage-related loans and investment securities. In Table 56, the carrying values for Parent Company senior and subordinated debt include basis adjustments of $(810) million and $(75) million, respectively, whereas Bank senior and subordinated debt include basis adjustments of $(272) million and $(254) million, respectively, related to fair value accounting hedges as of September 30, 2022. Certain borrowings are reported at fair value. Refer to Note 12 Fair Value for more information on those borrowings.

Commitments

Commitments	9 Months Ended
	Sep. 30, 2022
Commitments and Guarantees [Abstract]
Commitments	COMMITMENTSIn the normal course of business, we have various commitments outstanding, certain of which are not included on our Consolidated Balance Sheet. The following table presents our outstanding commitments to extend credit along with other commitments as of September 30, 2022 and December 31, 2021, respectively.Table 57: Commitments to Extend Credit and Other Commitments In millions September 30 December 31 Commitments to extend credit Commercial $ 190,761 $ 176,248 Home equity 21,674 19,410 Credit card 33,142 32,499 Other 7,884 9,081 Total commitments to extend credit 253,461 237,238 Net outstanding standby letters of credit (a) 9,987 9,303 Standby bond purchase agreements (b) 1,317 1,268 Other commitments (c) 3,533 3,045 Total commitments to extend credit and other commitments $ 268,298 $ 250,854 (a) Net outstanding standby letters of credit include $3.8 billion and $3.3 billion at September 30, 2022 and December 31, 2021, respectively, which support remarketing programs. (b) We enter into standby bond purchase agreements to support municipal bond obligations. (c) Includes $2.0 billion related to investments in qualified affordable housing projects for both September 30, 2022 and December 31, 2021. Commitments to Extend Credit Commitments to extend credit, or net unfunded loan commitments, represent arrangements to lend funds or provide liquidity subject to specified contractual conditions. These commitments generally have fixed expiration dates, may require payment of a fee, and generally contain termination clauses in the event the customer’s credit quality deteriorates. Net Outstanding Standby Letters of Credit We issue standby letters of credit and share in the risk of standby letters of credit issued by other financial institutions, in each case to support obligations of our customers to third parties, such as insurance requirements and the facilitation of transactions involving capital markets product execution. Approximately 98% of our net outstanding standby letters of credit were rated as Pass as of September 30, 2022, with the remainder rated as Criticized. An internal credit rating of Pass indicates the expected risk of loss is currently low, while a rating of Criticized indicates a higher degree of risk. If the customer fails to meet its financial or performance obligation to the third party under the terms of the contract or there is a need to support a remarketing program, then upon a draw by a beneficiary, subject to the terms of the letter of credit, we would be obligated to make payment to them. The standby letters of credit outstanding on September 30, 2022 had terms ranging from less than one year to seven years. As of September 30, 2022, assets of $1.3 billion secured certain specifically identified standby letters of credit. In addition, a portion of the remaining standby letters of credit issued on behalf of specific customers is also secured by collateral or guarantees that secure the customers’ other obligations to us. The carrying amount of the liability for our obligations related to standby letters of credit and participations in standby letters of credit was $0.1 billion at September 30, 2022 and is included in Other liabilities on our Consolidated Balance Sheet.

Total Equity and Other Comprehe

Total Equity and Other Comprehensive Income	9 Months Ended
	Sep. 30, 2022
Other Comprehensive Income [Abstract]
Total Equity and Other Comprehensive Income	T OTAL E QUITY A ND O THER C OMPREHENSIVE I NCOME Table 58: Rollforward of Total Equity Shareholders’ Equity In millions Shares Common Capital Capital Retained Accumulated Treasury Non- Total Equity Three months ended Balance at June 30, 2021 (a) 425 $ 2,713 $ 3,519 $ 12,409 $ 48,663 $ 1,463 $ (14,140) $ 58 $ 54,685 Net income 1,474 16 1,490 Other comprehensive income (loss), net of tax (384) (384) Cash dividends declared - Common (538) (538) Cash dividends declared - Preferred (57) (57) Preferred stock discount accretion 1 (1) Preferred stock issuance (b) 1,489 1,489 Treasury stock activity (2) 5 (387) (382) Other 30 (36) (6) Balance at September 30, 2021 (a) 423 $ 2,713 $ 5,009 $ 12,444 $ 49,541 $ 1,079 $ (14,527) $ 38 $ 56,297 Balance at June 30, 2022 (a) 411 $ 2,714 $ 6,004 $ 12,527 $ 51,841 $ (8,358) $ (17,076) $ 36 $ 47,688 Net income 1,624 16 1,640 Other comprehensive income (loss), net of tax (2,128) (2,128) Cash dividends declared - Common (622) (622) Cash dividends declared - Preferred (65) (65) Preferred stock discount accretion 1 (1) Preferred stock issuance (c) 1,239 1,239 Treasury stock activity (7) 6 (1,051) (1,045) Other 33 (17) 16 Balance at September 30, 2022 (a) 404 $ 2,714 $ 7,244 $ 12,566 $ 52,777 $ (10,486) $ (18,127) $ 35 $ 46,723 Nine months ended Balance at December 31, 2020 (a) 424 $ 2,713 $ 3,517 $ 12,367 $ 46,848 $ 2,770 $ (14,205) $ 31 $ 54,041 Net income 4,381 38 4,419 Other comprehensive income (loss), net of tax (1,691) (1,691) Cash dividends declared - Common (1,523) (1,523) Cash dividends declared - Preferred (162) (162) Preferred stock discount accretion 3 (3) Preferred stock issuance (b) 1,489 1,489 Common stock activity 12 12 Treasury stock activity (1) 78 (322) (244) Other (13) (31) (44) Balance at September 30, 2021 (a) 423 $ 2,713 $ 5,009 $ 12,444 $ 49,541 $ 1,079 $ (14,527) $ 38 $ 56,297 Balance at December 31, 2021 (a) 420 $ 2,713 $ 5,009 $ 12,448 $ 50,228 $ 409 $ (15,112) $ 31 $ 55,726 Net income 4,513 52 4,565 Other comprehensive income (loss), net of tax (10,895) (10,895) Cash dividends declared - Common (1,779) (1,779) Cash dividends declared - Preferred (181) (181) Preferred stock discount accretion 4 (4) Preferred stock issuance (c) (d) 2,231 2,231 Common stock activity 1 14 15 Treasury stock activity (16) 56 (3,015) (2,959) Other 48 (48) Balance at September 30, 2022 (a) 404 $ 2,714 $ 7,244 $ 12,566 $ 52,777 $ (10,486) $ (18,127) $ 35 $ 46,723 (a) The par value of our preferred stock outstanding was less than $0.5 million at each date and, therefore, is excluded from this presentation. (b) On September 13, 2021, PNC issued 1,500,000 depositary shares each representing 1/100th ownership in a share of 3.400% fixed-rate reset non-cumulative perpetual preferred stock, Series T, with a par value of $1 per share. (c) On August 19, 2022, PNC issued 1,250,000 depositary shares each representing 1/100th ownership in a share of 6.200% fixed-rate reset non-cumulative perpetual preferred stock, Series V, with a par value of $1 per share. (d) On April 26, 2022, PNC issued 1,000,000 depositary shares each representing 1/100th ownership in a share of 6.000% fixed-rate reset non-cumulative perpetual preferred stock, Series U, with a par value of $1 per share. . Details of other comprehensive income (loss) are as follows: Table 59: Other Comprehensive Income (Loss) Three months ended September 30 Nine months ended September 30 2022 2021 2022 2021 In millions Pre-tax Tax effect After- Pre-tax Tax effect After-tax Pre-tax Tax effect After-tax Pre-tax Tax effect After-tax Debt securities Net unrealized gains (losses) on securities $ (1,998) $ 471 $ (1,527) $ (320) $ 76 $ (244) $ (11,245) $ 2,650 $ (8,595) $ (1,446) $ 341 $ (1,105) Less: Net realized gains (losses) reclassified to (260) 61 (199) 3 (1) 2 (477) 112 (365) 25 (6) 19 Net change (1,738) 410 (1,328) (323) 77 (246) (10,768) 2,538 (8,230) (1,471) 347 (1,124) Cash flow hedge derivatives Net unrealized gains (losses) on cash flow hedge derivatives (1,154) 272 (882) (59) 14 (45) (3,486) 821 (2,665) (369) 87 (282) Less: Net realized gains (losses) reclassified to earnings (a) (129) 30 (99) 115 (27) 88 (2) (2) 358 (84) 274 Net change (1,025) 242 (783) (174) 41 (133) (3,484) 821 (2,663) (727) 171 (556) Pension and other postretirement benefit plan adjustments Net pension and other postretirement benefit plan activity and other reclassified to earnings (b) 2 (1) 1 2 2 64 (16) 48 (11) 3 (8) Net change 2 (1) 1 2 2 64 (16) 48 (11) 3 (8) Other Net unrealized gains (losses) on other transactions 4 (22) (18) 1 (8) (7) (3) (47) (50) 2 (5) (3) Net change 4 (22) (18) 1 (8) (7) (3) (47) (50) 2 (5) (3) Total other comprehensive income (loss) $ (2,757) $ 629 $ (2,128) $ (494) $ 110 $ (384) $ (14,191) $ 3,296 $ (10,895) $ (2,207) $ 516 $ (1,691) (a) Reclassifications for pre-tax debt securities and cash flow hedges are recorded in Interest income and Noninterest income on the Consolidated Income Statement. (b) Reclassifications include amortization of actuarial losses (gains) and amortization of prior period services costs (credits) which are recorded in noninterest expense on the Consolidated Income Statement. Table 60: Accumulated Other Comprehensive Income (Loss) Components In millions, after-tax Debt securities Cash flow hedge derivatives Pension and other postretirement benefit plan adjustments Other Total Three months ended Balance at June 30, 2021 $ 1,584 $ 236 $ (355) $ (2) $ 1,463 Net activity (246) (133) 2 (7) (384) Balance at September 30, 2021 $ 1,338 $ 103 $ (353) $ (9) $ 1,079 Balance at June 30, 2022 $ (6,313) $ (2,081) $ 74 $ (38) $ (8,358) Net activity (1,328) (783) 1 (18) (2,128) Balance at September 30, 2022 (a) $ (7,641) $ (2,864) $ 75 $ (56) $ (10,486) Nine months ended Balance at December 31, 2020 $ 2,462 $ 659 $ (345) $ (6) $ 2,770 Net activity (1,124) (556) (8) (3) (1,691) Balance at September 30, 2021 $ 1,338 $ 103 $ (353) $ (9) $ 1,079 Balance at December 31, 2021 $ 589 $ (201) $ 27 $ (6) $ 409 Net activity (8,230) (2,663) 48 (50) (10,895) Balance at September 30, 2022 (a) $ (7,641) $ (2,864) $ 75 $ (56) $ (10,486) (a) At September 30, 2022, AOCI included pretax losses of $132 million from derivatives that hedged the purchase of investment securities classified as held to maturity. The following table provides the dividends per share for PNC's common and preferred stock: Table 61: Dividends Per Share (a) Three months ended September 30 Nine months ended September 30 2022 2021 2022 2021 Common Stock $ 1.50 $ 1.25 $ 4.25 $ 3.55 Preferred Stock Series B $ 0.45 $ 0.45 $ 1.35 $ 1.35 Series O $ 1,269 $ 3,375 $ 3,230 $ 6,750 Series P $ 1,368 $ 1,531 $ 4,431 $ 4,594 Series R $ 2,425 $ 2,425 Series S $ 2,500 $ 2,500 Series T $ 850 $ 2,550 Series U $ 1,817 $ 1,817 (a) Dividends are payable quarterly other than Series R and Series S preferred stock, which are payable semiannually. On August 19, 2022, PNC issued 1,250,000 depositary shares each representing 1/100th ownership in a share of 6.200% fixed-rate reset non-cumulative perpetual preferred stock, Series V, with a par value of $1 per share. Beginning on December 15, 2022, dividends will be paid on the Series V on a quarterly basis (March 15, June 15, September 15, and December 15 of each year). On October 3, 2022, the PNC Board of Directors declared a quarterly cash dividend on common stock of $1.50 per share payable on November 5, 2022.

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2022
Earnings Per Share [Abstract]
Earnings Per Share	E ARNINGS P ER S HARE Table 62: Basic and Diluted Earnings Per Common Share Three months ended September 30 Nine months ended September 30 In millions, except per share data 2022 2021 2022 2021 Basic Net income $ 1,640 $ 1,490 $ 4,565 $ 4,419 Less: Net income attributable to noncontrolling interests 16 16 52 38 Preferred stock dividends 65 57 181 162 Preferred stock discount accretion and redemptions 1 1 4 3 Net income attributable to common shareholders 1,558 1,416 4,328 4,216 Less: Dividends and undistributed earnings allocated to nonvested restricted 8 8 21 21 Net income attributable to basic common shareholders $ 1,550 $ 1,408 $ 4,307 $ 4,195 Basic weighted-average common shares outstanding 410 426 414 426 Basic earnings per common share (a) $ 3.78 $ 3.31 $ 10.39 $ 9.84 Diluted Net income attributable to diluted common shareholders $ 1,550 $ 1,408 $ 4,307 $ 4,195 Basic weighted-average common shares outstanding 410 426 414 426 Dilutive potential common shares 1 1 Diluted weighted-average common shares outstanding 410 426 415 427 Diluted earnings per common share (a) $ 3.78 $ 3.30 $ 10.39 $ 9.83 (a) Basic and diluted earnings per share under the two-class method are determined on net income reported on the income statement less earnings allocated to nonvested restricted shares and restricted share units with nonforfeitable dividends and dividend rights (participating securities).

Fair Value

Fair Value	9 Months Ended
	Sep. 30, 2022
Fair Value [Abstract]
Fair Value	F AIR V ALUE Fair Value Measurement We measure certain financial assets and liabilities at fair value. Fair value is defined as the price that would be received to sell an asset or the price that would be paid to transfer a liability on the measurement date, and is determined using an exit price in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants. The fair value hierarchy established by GAAP requires us to maximize the use of observable inputs when measuring fair value. For more information regarding the fair value hierarchy, see Note 15 Fair Value in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. Additionally, for more information regarding the fair value of assets and liabilities from our BBVA acquisition, see Note 2 Acquisition and Divestiture Activity in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. Assets and Liabilities Measured at Fair Value on a Recurring Basis For more information on the valuation methodologies used to measure assets and liabilities at fair value on a recurring basis, see Note 15 Fair Value in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. The following table summarizes our assets and liabilities measured at fair value on a recurring basis, including instruments for which we have elected the fair value option. Table 63: Fair Value Measurements – Recurring Basis Summary September 30, 2022 December 31, 2021 In millions Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Assets Residential mortgage loans held for sale $ 719 $ 116 $ 835 $ 1,221 $ 81 $ 1,302 Commercial mortgage loans held for sale 200 35 235 526 49 575 Securities available for sale U.S. Treasury and government agencies $ 9,938 280 10,218 $ 41,873 4,291 46,164 Residential mortgage-backed Agency 28,388 28,388 67,632 67,632 Non-agency 871 871 61 1,097 1,158 Commercial mortgage-backed Agency 1,755 1,755 1,773 1,773 Non-agency 1,300 3 1,303 3,433 3 3,436 Asset-backed 5 127 132 6,246 163 6,409 Other 3,062 69 3,131 4,895 69 4,964 Total securities available for sale 9,938 34,790 1,070 45,798 41,873 88,331 1,332 131,536 Loans 503 775 1,278 617 884 1,501 Equity investments (a) 1,074 1,795 3,050 1,373 1,680 3,231 Residential mortgage servicing rights 2,074 2,074 1,078 1,078 Commercial mortgage servicing rights 1,132 1,132 740 740 Trading securities (b) 934 1,673 2,607 250 1,601 1,851 Financial derivatives (b) (c) 3 5,857 8 5,868 5 5,109 38 5,152 Other assets 337 101 438 404 114 518 Total assets (d) $ 12,286 $ 43,843 $ 7,005 $ 63,315 $ 43,905 $ 97,519 $ 5,882 $ 147,484 Liabilities Other borrowed funds $ 1,408 $ 203 $ 2 $ 1,613 $ 725 $ 45 $ 3 $ 773 Financial derivatives (c) (e) 3 9,614 120 9,737 3,285 285 3,570 Other liabilities 269 269 175 175 Total liabilities (f) $ 1,411 $ 9,817 $ 391 $ 11,619 $ 725 $ 3,330 $ 463 $ 4,518 (a) Certain investments that are measured at fair value using the net asset value per share (or its equivalent) practical expedient have not been classified in the fair value hierarchy. (b) Included in Other assets on the Consolidated Balance Sheet. (c) Amounts at September 30, 2022 and December 31, 2021 are presented gross and are not reduced by the impact of legally enforceable master netting agreements that allow us to net positive and negative positions and cash collateral held or placed with the same counterparty. See Note 13 Financial Derivatives for additional information related to derivative offsetting. (d) Total assets at fair value as a percentage of total consolidated assets was 11% and 26% as of September 30, 2022 and December 31, 2021, respectively. Level 3 assets as a percentage of total assets at fair value was 11% and 4% at September 30, 2022 and December 31, 2021, respectively. Level 3 assets as a percentage of total consolidated assets was 1% at both September 30, 2022 and December 31, 2021. (e) Included in Other liabilities on the Consolidated Balance Sheet. (f) Total liabilities at fair value as a percentage of total consolidated liabilities was 2% and 1% at September 30, 2022 and December 31, 2021, respectively. Level 3 liabilities as a percentage of total liabilities at fair value was 3% and 10% at September 30, 2022 and December 31, 2021, respectively. Level 3 liabilities as a percentage of total consolidated liabilities was less than 1% at both September 30, 2022 and December 31, 2021. Reconciliations of assets and liabilities measured at fair value on a recurring basis using Level 3 inputs for the three and nine months ended September 30, 2022 and 2021 follow: Table 64: Reconciliation of Level 3 Assets and Liabilities Three Months Ended September 30, 2022 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Value June 30, 2022 Included in Included Purchases Sales Issuances Settlements Transfers Transfers Fair Assets Residential mortgage $ 83 $ (4) $ 46 $ (1) $ (2) $ 8 $ (14) (d) $ 116 $ (4) Commercial mortgage 38 (3) 35 Securities available for sale Residential mortgage- 925 4 $ (18) (40) 871 Commercial mortgage- 3 3 Asset-backed 138 (5) (6) 127 Other 67 2 69 Total securities 1,133 4 (21) (46) 1,070 Loans 804 (1) 11 (2) (35) (2) (d) 775 Equity investments 1,867 167 69 (308) 1,795 65 Residential mortgage 1,620 135 363 $ 11 (55) 2,074 135 Commercial mortgage 988 176 7 17 (56) 1,132 176 Financial derivatives 13 4 1 (10) 8 7 Total assets $ 6,546 $ 481 $ (21) $ 497 $ (311) $ 28 $ (207) $ 8 $ (16) $ 7,005 $ 379 Liabilities Other borrowed funds $ 3 $ (1) $ 2 Financial derivatives 213 $ (11) $ 4 (86) 120 $ (7) Other liabilities 182 26 $ 32 $ 362 (333) 269 24 Total liabilities $ 398 $ 15 $ 32 $ 4 $ 362 $ (420) $ 391 $ 17 Net gains (losses) $ 466 (e) $ 362 (f) (Continued from previous page) Three Months Ended September 30, 2021 Total realized / unrealized Unrealized gains/losses for the period on assets and liabilities held on Consolidated Balance Sheet at Sept. 30, 2021 Level 3 Instruments Only Fair Value June 30, 2021 Included in Earnings Included in Other comprehensive income (b) Purchases Sales Issuances Settlements Transfers into Level 3 Transfers out of Level 3 Impact from BBVA Acquisition Fair Value Sept. 30, 2021 Assets Residential mortgage $ 119 $ (1) $ 5 $ (29) $ (6) $ 4 $ (6) (d) $ 86 $ (1) Commercial mortgage 52 (1) 51 Other consumer loans held for sale 239 (256) $ 17 Securities available for sale Residential mortgage- 1,237 10 $ (2) (77) 1,168 Commercial mortgage-backed non-agency 11 (8) 3 Asset-backed 175 1 5 (9) 172 Other 73 2 (9) 3 69 Total securities 1,496 11 (5) 2 (9) (83) 1,412 Loans 979 12 14 (6) (58) (5) (d) 936 12 Equity investments 1,540 265 158 (433) 1,530 95 Residential mortgage 1,111 49 28 $ 24 (82) 1,130 49 Commercial mortgage 682 24 5 22 (30) 703 24 Financial derivatives 87 23 1 (55) 56 39 Total assets $ 6,305 $ 382 $ (5) $ 213 $ (733) $ 46 $ (314) $ 4 $ (11) $ 17 $ 5,904 $ 218 Liabilities Other borrowed funds $ 2 $ 3 $ (1) $ 4 Financial derivatives 200 $ 165 $ 3 (37) 331 $ 171 Other liabilities 124 45 4 (6) 167 44 Total liabilities $ 326 $ 210 $ 3 $ 7 $ (44) $ 502 $ 215 Net gains (losses) $ 172 (e) $ 3 (f) (Continued from previous page) Nine Months Ended September 30, 2022 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Included in Included Purchases Sales Issuances Settlements Transfers Transfers Fair Assets Residential mortgage $ 81 $ (6) $ 91 $ (33) $ (11) $ 22 $ (28) (d) $ 116 $ (6) Commercial mortgage 49 (4) (10) 35 (4) Securities available for sale Residential mortgage- 1,097 19 $ (84) (161) 871 Commercial mortgage- 3 3 Asset-backed 163 1 (18) (19) 127 Other 69 3 (3) 69 Total securities 1,332 20 (102) 3 (183) 1,070 Loans 884 20 31 (10) (132) (18) (d) 775 20 Equity investments 1,680 312 185 (382) 1,795 211 Residential mortgage 1,078 505 620 $ 49 (178) 2,074 506 Commercial mortgage 740 438 32 52 (130) 1,132 438 Financial derivatives 38 (2) 4 (32) 8 18 Total assets $ 5,882 $ 1,283 $ (102) $ 966 $ (425) $ 101 $ (676) $ 22 $ (46) $ 7,005 $ 1,183 Liabilities Other borrowed funds $ 3 $ 4 $ (5) $ 2 Financial derivatives 285 $ 12 $ 10 (187) 120 $ 22 Other liabilities 175 47 $ 32 604 (589) 269 39 Total liabilities $ 463 $ 59 $ 32 $ 10 $ 608 $ (781) $ 391 $ 61 Net gains (losses) $ 1,224 (e) $ 1,122 (f) (Continued from previous page) Nine Months Ended September 30, 2021 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Included in Included Purchases Sales Issuances Settlements Transfers Transfers Impact from BBVA Acquisition Fair Value Sept. 30, 2021 Assets Residential mortgage $ 163 $ (1) $ 43 $ (81) $ (34) $ 12 $ (16) (d) $ 86 $ (1) Commercial mortgage 57 (1) (6) 1 51 1 Other consumer loans held for sale (256) $ 256 Securities available for sale Residential mortgage- 1,365 30 $ 14 (241) 1,168 Commercial mortgage- 11 (8) 3 Asset-backed 199 2 10 (39) 172 Other 72 1 5 (9) 69 Total securities 1,647 32 17 5 (9) (280) 1,412 Loans 647 32 111 (12) (121) (13) (d) 292 936 32 Equity investments 1,263 489 290 (512) 1,530 294 Residential mortgage 673 203 400 $ 61 (242) 35 1,130 203 Commercial mortgage 569 134 26 61 (87) 703 134 Financial derivatives 118 69 4 (140) 5 56 87 Total assets $ 5,137 $ 957 $ 17 $ 879 $ (876) $ 122 $ (903) $ 12 $ (29) $ 588 $ 5,904 $ 750 Liabilities Other borrowed funds $ 2 $ 4 $ (2) $ 4 Financial derivatives 273 $ 155 $ 6 (110) $ 7 331 $ 156 Other liabilities 43 108 321 (305) 167 81 Total liabilities $ 318 $ 263 $ 6 $ 325 $ (417) $ 7 $ 502 $ 237 Net gains (losses) $ 694 (e) $ 513 (f) (a) Losses for assets are bracketed while losses for liabilities are not. (b) The difference in unrealized gains and losses for the period included in Other comprehensive income and changes in unrealized gains and losses for the period included in Other comprehensive income for securities available for sale held at the end of the reporting period were insignificant. (c) The amount of the total gains or losses for the period included in earnings that is attributable to the change in unrealized gains or losses related to those assets and liabilities held at the end of the reporting period. (d) Residential mortgage loan transfers out of Level 3 are primarily driven by residential mortgage loans transferring to OREO as well as reclassification of mortgage loans held for sale to held for investment. (e) Net gains (losses) realized and unrealized included in earnings related to Level 3 assets and liabilities included amortization and accretion. The amortization and accretion amounts were included in Interest income on the Consolidated Income Statement and the remaining net gains (losses) realized and unrealized were included in Noninterest income on the Consolidated Income Statement. (f) Net unrealized gains (losses) related to assets and liabilities held at the end of the reporting period were included in Noninterest income on the Consolidated Income Statement. An instrument’s categorization within the hierarchy is based on the lowest level of input that is significant to the fair value measurement. Changes from one quarter to the next related to the observability of inputs to a fair value measurement may result in a reclassification (transfer) of assets or liabilities between hierarchy levels. Quantitative information about the significant unobservable inputs within Level 3 recurring assets and liabilities follows: Table 65: Fair Value Measurements – Recurring Quantitative Information September 30, 2022 Level 3 Instruments Only Fair Value Valuation Techniques Unobservable Inputs Range (Weighted-Average) (a) Commercial mortgage loans held for sale $ 35 Discounted cash flow Spread over the benchmark curve (b) 580bps - 3,665bps (1,004bps) Residential mortgage-backed 871 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 27.9% (10.1%) Constant default rate 0.0% - 13.0% (4.1%) Loss severity 15.0% - 80.0% (46.1%) Spread over the benchmark curve (b) 233bps weighted-average Asset-backed securities 127 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 40.0% (9.0%) Constant default rate 0.0% - 7.3% (2.2%) Loss severity 15.0% - 100.0% (48.5%) Spread over the benchmark curve (b) 314bps weighted-average Loans - Residential real estate 576 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (68.2%) Loss severity 0.0% - 100.0% (6.0%) Discount rate 5.5% - 7.5% (5.9%) Loans - Residential real estate 70 Discounted cash flow Loss severity 6.0% weighted-average Discount rate 7.2% weighted-average Loans - Home equity 25 Consensus pricing (c) Cumulative default rate 3.6% -100.0% (74.3%) Loss severity 0.0% - 100.0% (18.2%) Discount rate 5.5% - 7.5% (6.6%) Loans - Home equity 104 Consensus pricing (c) Credit and liquidity discount 0.4% - 100.0% (45.7%) Equity investments 1,795 Multiple of adjusted earnings Multiple of earnings 5.0x - 86.6x (9.8x) Residential mortgage servicing rights 2,074 Discounted cash flow Constant prepayment rate 0.0% - 35.6% (6.8%) Spread over the benchmark curve (b) 254bps - 1,656bps (759bps) Commercial mortgage servicing rights 1,132 Discounted cash flow Constant prepayment rate 3.9% - 10.0% (4.2%) Discount rate 7.7% - 10.1% (9.7%) Financial derivatives - Swaps related to (100) Discounted cash flow Estimated conversion factor of Visa Class B shares into Class A shares 160.6% weighted-average Estimated annual growth rate of Visa Class A share price 16.0% Estimated length of litigation resolution date Q2 2023 Insignificant Level 3 assets, net of (95) Total Level 3 assets, net of liabilities (e) $ 6,614 (Continued from previous page) December 31, 2021 Level 3 Instruments Only Fair Value Valuation Techniques Unobservable Inputs Range (Weighted-Average) (a) Commercial mortgage loans held for sale $ 49 Discounted cash flow Spread over the benchmark curve (b) 555bps - 15,990bps (9,996bps) Residential mortgage-backed 1,097 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 30.7% (11.3%) Constant default rate 0.0% - 16.9% (4.6%) Loss severity 20.0% - 96.4% (47.6%) Spread over the benchmark curve (b) 163bps weighted-average Asset-backed securities 163 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% -40.0% (11.1%) Constant default rate 1.4% - 20.0% (3.2%) Loss severity 8.0% - 100.0% (57.4%) Spread over the benchmark curve (b) 182bps weighted-average Loans - Residential real estate 622 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (74.2%) Loss severity 0.0% - 100.0% (6.9%) Discount rate 4.8% - 6.8% (5.2%) Loans - Residential real estate 109 Discounted cash flow Loss severity 6.0% weighted-average Discount rate 3.5% weighted-average Loans - Home equity 28 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (75.8%) Loss severity 0.0% - 98.4% (17.7%) Discount rate 4.8% - 6.8% (6.0%) Loans - Home equity 125 Consensus pricing (c) Credit and Liquidity discount 0.5% - 100.0% (47.3%) Equity investments 1,680 Multiple of adjusted earnings Multiple of earnings 5.0x - 14.4x (8.8x) Residential mortgage servicing rights 1,078 Discounted cash flow Constant prepayment rate 0.0% - 41.0% (12.6%) Spread over the benchmark curve (b) 249bps - 2,218bps (857bps) Commercial mortgage servicing rights 740 Discounted cash flow Constant prepayment rate 5.0% - 15.5% (5.5%) Discount rate 5.4% - 8.0% (7.8%) Financial derivatives - Swaps related to (277) Discounted cash flow Estimated conversion factor of Visa Class B shares into Class A shares 161.8% weighted-average Estimated annual growth rate of Visa Class A share price 16.0% Estimated length of litigation Q2 2023 Insignificant Level 3 assets, net of 5 Total Level 3 assets, net of liabilities (e) $ 5,419 (a) Unobservable inputs were weighted by the relative fair value of the instruments. (b) The assumed yield spread over the benchmark curve for each instrument is generally intended to incorporate non-interest rate risks, such as credit and liquidity risks. (c) Consensus pricing refers to fair value estimates that are generally internally developed using information such as dealer quotes or other third-party provided valuations or comparable asset prices. (d) Represents the aggregate amount of Level 3 assets and liabilities measured at fair value on a recurring basis that are individually and in the aggregate insignificant. The amount includes certain financial derivative assets and liabilities, trading securities, other securities, residential mortgage loans held for sale, other assets, other borrowed funds and other liabilities. (e) Consisted of total Level 3 assets of $7.0 billion and total Level 3 liabilities of $0.4 billion as of September 30, 2022 and $5.9 billion and $0.5 billion as of December 31, 2021, respectively. Financial Assets Accounted for at Fair Value on a Nonrecurring Basis We may be required to measure certain financial assets at fair value on a nonrecurring basis. These adjustments to fair value usually result from the application of lower of amortized cost or fair value accounting or write-downs of individual assets due to impairment and are included in Table 66. For more information regarding the valuation methodologies of our financial assets measured at fair value on a nonrecurring basis, see Note 15 Fair Value in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. Assets measured at fair value on a nonrecurring basis follow: Table 66: Fair Value Measurements – Nonrecurring (a) (b) (c) Fair Value Gains (Losses) Gains (Losses) In millions September 30 December 31 September 30 September 30 September 30 September 30 Assets Nonaccrual loans $ 211 $ 348 $ (111) $ (3) $ (145) $ (3) Equity investments 30 Loans held for sale (1) (18) OREO and foreclosed assets 9 6 Long-lived assets 3 103 (1) (6) (5) (17) Total assets $ 253 $ 457 $ (112) $ (10) $ (150) $ (38) (a) All Level 3 for the periods presented. (b) Valuation techniques applied were fair value of property or collateral. (c) Unobservable inputs used were appraised value/sales price, broker opinions or projected income/required improvement costs. Additional quantitative information was not meaningful for the periods presented. Financial Instruments Accounted for under Fair Value Option We elect the fair value option to account for certain financial instruments. For more information on these financial instruments for which the fair value option election has been made, see Note 15 Fair Value in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. Fair values and aggregate unpaid principal balances of certain items for which we elected the fair value option follow: Table 67: Fair Value Option – Fair Value and Principal Balances September 30, 2022 December 31, 2021 In millions Fair Value Aggregate Unpaid Difference Fair Value Aggregate Unpaid Difference Assets Residential mortgage loans held for sale Accruing loans less than 90 days past due $ 769 $ 794 $ (25) $ 1,249 $ 1,219 $ 30 Accruing loans 90 days or more past due 8 8 6 6 Nonaccrual loans 58 70 (12) 47 57 (10) Total $ 835 $ 872 $ (37) $ 1,302 $ 1,282 $ 20 Commercial mortgage loans held for sale (a) Accruing loans less than 90 days past due $ 218 $ 222 $ (4) $ 575 $ 580 $ (5) Nonaccrual loans 17 45 (28) Total $ 235 $ 267 $ (32) $ 575 $ 580 $ (5) Loans Accruing loans less than 90 days past due $ 472 $ 484 $ (12) $ 487 $ 498 $ (11) Accruing loans 90 days or more past due 152 166 (14) 262 278 (16) Nonaccrual loans 654 893 (239) 752 1,028 (276) Total $ 1,278 $ 1,543 $ (265) $ 1,501 $ 1,804 $ (303) Other assets $ 101 $ 114 $ (13) $ 105 $ 107 $ (2) Liabilities Other borrowed funds $ 20 $ 20 $ 30 $ 30 Other liabilities $ 175 $ 175 (a) There were no accruing loans 90 days or more past due within this category at September 30, 2022 or December 31, 2021. The changes in fair value for items for which we elected the fair value option are as follows: Table 68: Fair Value Option – Changes in Fair Value (a) Gains (Losses) Gains (Losses) Three months ended Nine months ended September 30 September 30 September 30 September 30 In millions 2022 2021 2022 2021 Assets Residential mortgage loans held for sale $ (29) $ 47 $ (92) $ 120 Commercial mortgage loans held for sale $ 14 $ 31 $ 34 $ 77 Loans $ 1 $ 21 $ 37 $ 52 Other assets $ (3) $ 3 $ (21) $ 25 Liabilities Other liabilities $ (24) $ (40) (a) The impact on earnings of offsetting hedged items or hedging instruments is not reflected in these amounts. Additional Fair Value Information Related to Financial Instruments Not Recorded at Fair Value The following table presents the carrying amounts and estimated fair values, as well as the level within the fair value hierarchy, of all other financial instruments that are not recorded on our Consolidated Balance Sheet at fair value as of September 30, 2022 and December 31, 2021. For more information regarding the methods and assumptions used to estimate the fair values of financial instruments included in Table 69, see Note 15 Fair Value in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. Table 69: Additional Fair Value Information Related to Other Financial Instruments Carrying Fair Value In millions Amount Total Level 1 Level 2 Level 3 September 30, 2022 Assets Cash and due from banks $ 6,548 $ 6,548 $ 6,548 Interest-earning deposits with banks 40,278 40,278 $ 40,278 Securities held to maturity 90,660 85,189 30,614 54,431 $ 144 Net loans (excludes leases) 303,348 299,519 299,519 Other assets 6,178 6,147 6,144 3 Total assets $ 447,012 $ 437,681 $ 37,162 $ 100,853 $ 299,666 Liabilities Time deposits $ 10,034 $ 9,661 $ 9,661 Borrowed funds 52,946 52,700 50,981 $ 1,719 Unfunded lending related commitments 682 682 682 Other liabilities 551 551 551 Total liabilities $ 64,213 $ 63,594 $ 61,193 $ 2,401 December 31, 2021 Assets Cash and due from banks $ 8,004 $ 8,004 $ 8,004 Interest-earning deposits with banks 74,250 74,250 $ 74,250 Securities held to maturity 1,429 1,522 890 456 $ 176 Net loans (excludes leases) 275,874 280,498 280,498 Other assets 4,205 4,204 4,141 63 Total assets $ 363,762 $ 368,478 $ 8,894 $ 78,847 $ 280,737 Liabilities Time deposits $ 17,366 $ 17,180 $ 17,180 Borrowed funds 30,011 30,616 28,936 $ 1,680 Unfunded lending related commitments 662 662 662 Other liabilities 449 449 449 Total liabilities $ 48,488 $ 48,907 $ 46,565 $ 2,342 The aggregate fair values in Table 69 represent only a portion of the total market value of our assets and liabilities as, in accordance with the guidance related to fair values about financial instruments, we exclude the following: • financial instruments recorded at fair value on a recurring basis (as they are disclosed in Table 63), • investments accounted for under the equity method, • equity securities without a readily determinable fair value that apply for the alternative measurement approach to fair value under ASU 2016-01, • real and personal property, • lease financing, • loan customer relationships, • deposit customer intangibles, • mortgage servicing rights (MSRs), • retail branch networks, • fee-based businesses, such as asset management and brokerage, • trademarks and brand names, • trade receivables and payables due in one year or less, • deposit liabilities with no defined or contractual maturities under ASU 2016-01, and • insurance contracts.

Financial Derivatives

Financial Derivatives	9 Months Ended
	Sep. 30, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Financial Derivatives	F INANCIAL D ERIVATIVES We use a variety of financial derivatives to both mitigate exposure to market (primarily interest rate) and credit risks inherent in our business activities, as well as to facilitate customer risk management activities. We manage these risks as part of our overall asset and liability management process and through our credit policies and procedures. Derivatives represent contracts between parties that usually require little or no initial net investment and result in one party delivering cash or another type of asset to the other party based on a notional amount and an underlying as specified in the contract. Derivative transactions are often measured in terms of notional amount, but this amount is generally not exchanged and it is not recorded on the balance sheet. The notional amount is the basis to which the underlying is applied to determine required payments under the derivative contract. The underlying is a referenced interest rate, security price, credit spread or other index. Residential and commercial real estate loan commitments associated with loans to be sold also qualify as derivative instruments. For more information regarding derivatives see Note 1 Accounting Policies and Note 16 Financial Derivatives in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. The following table presents the notional and gross fair value amounts of all derivative assets and liabilities held by us: Table 70: Total Gross Derivatives (a) September 30, 2022 December 31, 2021 In millions Notional / Asset Fair Liability Fair Notional / Asset Fair Liability Fair Derivatives used for hedging Interest rate contracts (d): Fair value hedges $ 22,222 $ 23,345 Cash flow hedges 41,700 $ 170 48,961 $ 15 $ 14 Foreign exchange contracts: Net investment hedges 1,343 $ 176 1 1,113 24 Total derivatives designated for hedging $ 65,265 $ 176 $ 171 $ 73,419 $ 15 $ 38 Derivatives not used for hedging Derivatives used for mortgage banking activities (e): Interest rate contracts: Swaps $ 55,098 $ 35 $ 35,623 Futures (f) 7,020 4,592 Mortgage-backed commitments 5,539 $ 170 125 9,917 $ 55 $ 31 Other 20,703 175 16 12,225 46 12 Total interest rate contracts 88,360 345 176 62,357 101 43 Derivatives used for customer-related activities: Interest rate contracts: Swaps 333,106 1,593 5,693 297,711 3,335 1,520 Futures (f) 896 907 Mortgage-backed commitments 2,119 39 16 4,147 5 6 Other 29,742 339 320 25,718 125 72 Total interest rate contracts 365,863 1,971 6,029 328,483 3,465 1,598 Commodity contracts: Swaps 7,868 2,105 2,206 8,840 1,150 1,161 Other 5,307 470 467 3,128 213 212 Total commodity contracts 13,175 2,575 2,673 11,968 1,363 1,373 Foreign exchange contracts and other 28,984 601 566 27,563 199 179 Total derivatives for customer-related activities 408,022 5,147 9,268 368,014 5,027 3,150 Derivatives used for other risk management activities: Foreign exchange contracts and other 11,930 200 122 11,512 9 339 Total derivatives not designated for hedging $ 508,312 $ 5,692 $ 9,566 $ 441,883 $ 5,137 $ 3,532 Total gross derivatives $ 573,577 $ 5,868 $ 9,737 $ 515,302 $ 5,152 $ 3,570 Less: Impact of legally enforceable master netting agreements 1,774 1,774 928 928 Less: Cash collateral received/paid 1,282 2,572 604 1,657 Total derivatives $ 2,812 $ 5,391 $ 3,620 $ 985 (a) Centrally cleared derivatives are settled in cash daily and result in no derivative asset or derivative liability being recognized on our Consolidated Balance Sheet . (b) Included in Other assets on our Consolidated Balance Sheet. (c) Included in Other liabilities on our Consolidated Balance Sheet. (d) Represents primarily swaps. (e) Includes both residential and commercial mortgage banking activities. (f) Futures contracts are settled in cash daily and result in no derivative asset or derivative liability being recognized on our Consolidated Balance Sheet. All derivatives are carried on our Consolidated Balance Sheet at fair value. Derivative balances are presented on the Consolidated Balance Sheet on a net basis taking into consideration the effects of legally enforceable master netting agreements and, when appropriate, any related cash collateral exchanged with counterparties. Further discussion regarding the offsetting rights associated with these legally enforceable master netting agreements is included in the Offsetting and Counterparty Credit Risk section of this Note 13. Any nonperformance risk, including credit risk, is included in the determination of the estimated net fair value of the derivatives. Derivatives Designated As Hedging Instruments Certain derivatives used to manage interest rate and foreign exchange risk as part of our asset and liability risk management activities are designated as accounting hedges. Derivatives hedging the risks associated with changes in the fair value of assets or liabilities are considered fair value hedges, derivatives hedging the variability of expected future cash flows are considered cash flow hedges and derivatives hedging a net investment in a foreign subsidiary are considered net investment hedges. Designating derivatives as accounting hedges allows for gains and losses on those derivatives to be recognized in the same period and in the same income statement line item as the earnings impact of the hedged items. Fair Value Hedges We enter into receive-fixed, pay-variable interest rate swaps to hedge changes in the fair value of outstanding fixed-rate debt caused by fluctuations in market interest rates. We also enter into pay-fixed, receive-variable interest rate swaps and zero-coupon swaps to hedge changes in the fair value of fixed rate and zero-coupon investment securities caused by fluctuations in market interest rates. Gains and losses on the interest rate swaps designated in these hedge relationships, along with the offsetting gains and losses on the hedged items attributable to the hedged risk, are recognized in current earnings within the same income statement line item. Cash Flow Hedges We enter into receive-fixed, pay-variable interest rate swaps and interest rate caps and floors to modify the interest rate characteristics of designated commercial loans from variable to fixed in order to reduce the impact of changes in future cash flows due to market interest rate changes. We also periodically enter into forward purchase and sale contracts to hedge the variability of the consideration that will be paid or received related to the purchase or sale of investment securities. The forecasted purchase or sale is consummated upon gross settlement of the forward contract itself. For these cash flow hedges, gains and losses on the hedging instruments are recorded in AOCI and are then reclassified into earnings in the same period the hedged cash flows affect earnings and within the same income statement line as the hedged cash flows. In the 12 months that follow September 30, 2022, we expect to reclassify net derivative losses of $1.2 billion pretax, or $1.0 billion after-tax, from AOCI to interest income for these cash flow hedge strategies. This reclassified amount could differ from amounts actually recognized due to changes in interest rates, hedge de-designations and the addition of other hedges subsequent to September 30, 2022. As of September 30, 2022, the maximum length of time over which forecasted transactions are hedged is ten years. Further detail regarding gains (losses) related to our fair value and cash flow hedge derivatives is presented in the following table: Table 71: Gains (Losses) Recognized on Fair Value and Cash Flow Hedges in the Consolidated Income Statement (a) (b) Location and Amount of Gains (Losses) Recognized in Income Interest Income Interest Expense Noninterest Income In millions Loans Investment Securities Borrowed Funds Other For the three months ended September 30, 2022 Total amounts in the Consolidated Income Statement $ 3,138 $ 715 $ 317 $ 317 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ (85) $ 696 Derivatives $ 86 $ (706) Amounts related to interest settlements on derivatives $ (1) $ 1 Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (122) $ (7) For the three months ended September 30, 2021 Total amounts in the Consolidated Income Statement $ 2,437 $ 460 $ 90 $ 268 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ 2 $ 155 Derivatives $ (169) Amounts related to interest settlements on derivatives $ (1) $ 129 Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ 91 $ 11 $ 13 For the nine months ended September 30, 2022 Total amounts on the Consolidated Income Statement $ 7,935 $ 1,890 $ 542 $ 705 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ (131) $ 2,073 Derivatives $ 135 $ (2,101) Amounts related to interest settlements on derivatives $ (4) $ 185 Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (5) $ 3 For the nine months ended September 30, 2021 Total amounts on the Consolidated Income Statement $ 6,593 $ 1,350 $ 275 $ 907 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ (3) $ 695 Derivatives $ 7 $ (740) Amounts related to interest settlements on derivatives $ (3) $ 394 Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ 282 $ 49 $ 27 (a) For all periods presented, there were no components of derivative gains or losses excluded from the assessment of hedge effectiveness for any of the fair value or cash flow hedge strategies. (b) All cash flow and fair value hedge derivatives were interest rate contracts for the periods presented. (c) Includes an insignificant amount of fair value hedge adjustments related to discontinued hedge relationships. Detail regarding the impact of fair value hedge accounting on the carrying value of the hedged items is presented in the following table: Table 72: Hedged Items - Fair Value Hedges September 30, 2022 December 31, 2021 In millions Carrying Value of the Hedged Items Cumulative Fair Value Hedge Adjustment included in the Carrying Value of Hedged Items (a) Carrying Value of the Hedged Items Cumulative Fair Value Hedge Adjustment included in the Carrying Value of Hedged Items (a) Investment securities - available for sale (b) $ 2,356 $ (114) $ 2,655 $ 23 Borrowed funds $ 19,633 $ (1,411) $ 24,259 $ 663 (a) Includes less than $(0.1) billion and $(0.1) billion of fair value hedge adjustments primarily related to discontinued borrowed funds hedge relationships at September 30, 2022 and December 31, 2021, respectively. (b) Carrying value shown represents amortized cost. Net Investment Hedges We enter into foreign currency forward contracts to hedge non-U.S. dollar net investments in foreign subsidiaries against adverse changes in foreign exchange rates. We assess whether the hedging relationship is highly effective in achieving offsetting changes in the value of the hedge and hedged item by qualitatively verifying that the critical terms of the hedge and hedged item match at the inception of the hedging relationship and on an ongoing basis. Net investment hedge derivatives are classified as foreign exchange contracts. There were no components of derivative gains or losses excluded from the assessment of the hedge effectiveness for the periods presented. Derivatives Not Designated As Hedging Instruments For additional information on derivatives not designated as hedging instruments under GAAP, see Note 16 Financial Derivatives in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. Further detail regarding the gains (losses) on derivatives not designated in hedging relationships is presented in the following table: Table 73: Gains (Losses) on Derivatives Not Designated for Hedging Three months ended Nine months ended In millions 2022 2021 2022 2021 Derivatives used for mortgage banking activities: Interest rate contracts (a) $ (245) $ 6 $ (700) $ (100) Derivatives used for customer-related activities: Interest rate contracts 65 (4) 231 93 Foreign exchange contracts and other (2) 23 22 88 Gains (losses) from customer-related activities (b) 63 19 253 181 Derivatives used for other risk management activities: Foreign exchange contracts and other (b) 309 (72) 572 (53) Total gains (losses) from derivatives not designated as hedging instruments $ 127 $ (47) $ 125 $ 28 (a) Included in Residential and commercial mortgage noninterest income on our Consolidated Income Statement. (b) Included in Capital markets related and Other noninterest income on our Consolidated Income Statement. Offsetting and Counterparty Credit Risk We generally utilize a net presentation on the Consolidated Balance Sheet for those derivative financial instruments entered into with counterparties under legally enforceable master netting agreements. The master netting agreements reduce credit risk by permitting the closeout netting of all outstanding derivative instruments under the master netting agreement with the same counterparty upon the occurrence of an event of default. The master netting agreement also may require the exchange of cash or marketable securities to collateralize either party’s net position. For additional information on derivative offsetting and counterparty credit risk, see Note 16 Financial Derivatives in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. Table 74 shows the impact legally enforceable master netting agreements had on our derivative assets and derivative liabilities at September 30, 2022 and December 31, 2021. The table includes cash collateral held or pledged under legally enforceable master netting agreements. The table also includes the fair value of any securities collateral held or pledged under legally enforceable master netting agreements. Cash and securities collateral amounts are included in the table only to the extent of the related net derivative fair values. Table 74: Derivative Assets and Liabilities Offsetting In millions Amounts Offset on the Securities Collateral Held/Pledged Under Master Netting Agreements Gross Fair Value Cash Net Net Amounts September 30, 2022 Derivative assets Interest rate contracts: Over-the-counter cleared $ 140 $ 140 $ 140 Over-the-counter 2,176 $ 873 $ 790 513 $ 35 478 Commodity contracts 2,575 555 105 1,915 1,915 Foreign exchange and other contracts 977 346 387 244 244 Total derivative assets $ 5,868 $ 1,774 $ 1,282 $ 2,812 (a) $ 35 $ 2,777 Derivative liabilities Interest rate contracts: Over-the-counter cleared $ 244 $ 244 $ 244 Over-the-counter 6,131 $ 550 $ 1,015 4,566 $ 79 4,487 Commodity contracts 2,673 1,012 1,548 113 113 Foreign exchange and other contracts 689 212 9 468 468 Total derivative liabilities $ 9,737 $ 1,774 $ 2,572 $ 5,391 (b) $ 79 $ 5,312 December 31, 2021 Derivative assets Interest rate contracts: Over-the-counter cleared $ 20 $ 20 $ 20 Over-the-counter 3,561 $ 533 $ 593 2,435 $ 300 2,135 Commodity contracts 1,363 299 1 1,063 1,063 Foreign exchange and other contracts 208 96 10 102 102 Total derivative assets $ 5,152 $ 928 $ 604 $ 3,620 (a) $ 300 $ 3,320 Derivative liabilities Interest rate contracts: Over-the-counter cleared $ 12 $ 12 $ 12 Over-the-counter 1,643 $ 569 $ 776 298 298 Commodity contracts 1,373 291 784 298 298 Foreign exchange and other contracts 542 68 97 377 377 Total derivative liabilities $ 3,570 $ 928 $ 1,657 $ 985 (b) $ 985 (a) Represents the net amount of derivative assets included in Other assets on our Consolidated Balance Sheet. (b) Represents the net amount of derivative liabilities included in Other liabilities on our Consolidated Balance Sheet. In addition to using master netting agreements and other collateral agreements to reduce credit risk associated with derivative instruments, we also seek to manage credit risk by evaluating credit ratings of counterparties and by using internal credit analysis, limits and monitoring procedures. At September 30, 2022, cash and debt securities (primarily agency mortgage-backed securities) totaling $2.2 billion were pledged to us under master netting agreements and other collateral agreements to collateralize net derivative assets due from counterparties and to meet initial margin requirements, and we pledged cash and debt securities (primarily agency mortgage-backed securities) totaling $3.9 billion under these agreements to collateralize net derivative liabilities owed to counterparties and to meet initial margin requirements. These totals may differ from the amounts presented in the preceding offsetting table because these totals may include collateral exchanged under an agreement that does not qualify as a master netting agreement or because the total amount of collateral pledged exceeds the net derivative fair values with the counterparty as of the balance sheet date due to timing or other factors, such as initial margin. To the extent not netted against the derivative fair values under a master netting agreement, the receivable for cash pledged is included in Other assets and the obligation for cash held is included in Other liabilities on our Consolidated Balance Sheet. Securities pledged to us by counterparties are not recognized on our balance sheet. Likewise, securities we have pledged to counterparties remain on our balance sheet. Credit-Risk Contingent Features Certain derivative agreements contain various credit-risk related contingent provisions, such as those that require our debt to maintain a specified credit rating from one or more of the major credit rating agencies. If our debt ratings were to fall below such specified ratings, the counterparties to the derivative instruments could request immediate payment or demand immediate and ongoing full collateralization on derivative instruments in net liability positions. The following table presents the aggregate fair value of derivative instruments with credit-risk-related contingent features, the associated collateral posted in the normal course of business and the maximum amount of collateral we would be required to post if the credit-risk-related contingent features underlying these agreements had been triggered on September 30, 2022 and December 31, 2021. Table 75: Credit-Risk Contingent Features In billions September 30 December 31 Net derivative liabilities with credit-risk contingent features $ 7.5 $ 2.4 Collateral posted 2.7 1.8 Maximum additional amount of collateral exposure $ 4.8 $ 0.6

Legal Proceedings

Legal Proceedings	9 Months Ended
	Sep. 30, 2022
Legal Proceedings [Abstract]
Legal Proceedings	L EGAL P ROCEEDINGS We establish accruals for legal proceedings, including litigation and regulatory and governmental investigations and inquiries, when information related to the loss contingencies represented by those matters indicates both that a loss is probable and that the amount of loss can be reasonably estimated. Any such accruals are adjusted thereafter as appropriate to reflect changed circumstances. When we are able to do so, we also determine estimates of possible losses or ranges of possible losses, whether in excess of any related accrued liability or where there is no accrued liability, for disclosed legal proceedings (“Disclosed Matters,” which are those matters disclosed in this Note 14 as well as those matters disclosed in Note 21 Legal Proceedings in Item 8 of our 2021 Form 10-K, in Note 13 Legal Proceedings in Item 1 of our first quarter 2022 Form 10-Q and in Note 14 Legal Proceedings in Item 1 of our second quarter 2022 Form 10-Q (such prior disclosure referred to as “Prior Disclosure”)). For Disclosed Matters where we are able to estimate such possible losses or ranges of possible losses, as of September 30, 2022, we estimate that it is reasonably possible that we could incur losses in excess of related accrued liabilities, if any, in an aggregate amount less than $300 million. The estimates included in this amount are based on our analysis of currently available information and are subject to significant judgment and a variety of assumptions and uncertainties. As new information is obtained we may change our estimates. Due to the inherent subjectivity of the assessments and unpredictability of outcomes of legal proceedings, any amounts accrued or included in this aggregate amount may not represent the ultimate loss to us from the legal proceedings in question. Thus, our exposure and ultimate losses may be higher, and possibly significantly so, than the amounts accrued or this aggregate amount. As a result of the types of factors described in Note 21 Legal Proceedings in Item 8 of our 2021 Form 10-K, we are unable, at this time, to estimate the losses that are reasonably possible to be incurred or ranges of such losses with respect to some of the matters disclosed, and the aggregate estimated amount provided above does not include an estimate for every Disclosed Matter. Therefore, as the estimated aggregate amount disclosed above does not include all of the Disclosed Matters, the amount disclosed above does not represent our maximum reasonably possible loss exposure for all of the Disclosed Matters. The estimated aggregate amount also does not reflect any of our exposure to matters not so disclosed, as discussed below under “Other.” We include in some of the descriptions of individual Disclosed Matters certain quantitative information related to the plaintiff’s claim against us as alleged in the plaintiff’s pleadings or other public filings or otherwise publicly available information. While information of this type may provide insight into the potential magnitude of a matter, it does not necessarily represent our estimate of reasonably possible loss or our judgment as to any currently appropriate accrual. Some of our exposure in Disclosed Matters may be offset by applicable insurance coverage. We do not consider the possible availability of insurance coverage in determining the amounts of any accruals (although we record the amount of related insurance recoveries that are deemed probable up to the amount of the accrual) or in determining any estimates of possible losses or ranges of possible losses. USAA Patent Infringement Litigation In July 2022, following a jury verdict in United Services Automobile Association v. PNC Bank N.A. (Case No. 2:20-cv-319) (the “first Texas case”) and United Services Automobile Association v. PNC Bank N.A. (Case No. 2:21-cv-110) (together, “the first consolidated cases”), the parties submitted briefs on PNC’s remaining equitable defenses. In August 2022, the court denied our request for relief, entered final judgment, declined to award enhanced damages for willfulness and awarded USAA pre-judgment and applicable post-judgment interest. In September 2022, PNC filed its post-trial motions for judgment as a matter of law and for a new trial. In September 2022, following a jury trial in the second consolidated cases (representing the case for PNC’s patent infringement counterclaims (originally asserted in the first Texas case) which was previously consolidated into USAA’s third lawsuit filed in July 2021 in the United States District Court for the Eastern District of Texas against PNC Bank for patent infringement ( United Services Automobile Association v. PNC Bank N.A. (Case No. 2:21-cv-246)) (“the third Texas case”)), a jury found against PNC for infringement of at least one of the two asserted patents and awarded $4.3 million, and determined that PNC did not willfully infringe the patents. The jury further found that USAA did not infringe any of PNC’s asserted patents. Because of USAA’s case narrowing in the first consolidated cases, only one of the three patents granted inter partes review (“IPR”) by the Patent Trial and Appeal Board was presented to the jury in the first consolidated cases. In addition, because of USAA’s case narrowing in the third Texas case, only one of the two patents granted IPR by the Patent Trial and Appeal Board was presented to the jury in the third Texas case. Regulatory and Governmental Inquiries We are the subject of investigations, audits, examinations and other forms of regulatory and governmental inquiry covering a broad range of issues in our consumer, mortgage, brokerage, securities and other financial services businesses, as well as other aspects of our operations. In some cases, these inquiries are part of reviews of specified activities at multiple industry participants; in others, they are directed at PNC individually. From time to time, these inquiries have involved and may in the future involve or lead to regulatory enforcement actions and other administrative proceedings. These inquiries have also led to and may in the future lead to civil or criminal judicial proceedings. Some of these inquiries result in remedies including fines, penalties, restitution, or alterations in our business practices, and in additional expenses and collateral costs and other consequences. Such remedies and other consequences typically have not been material to us from a financial standpoint, but could be in the future. Even if not financially material, they may result in significant reputational harm or other adverse consequences. Our practice is to cooperate fully with regulatory and governmental investigations, audits and other inquiries. Other In addition to the proceedings or other matters described in Prior Disclosure, PNC and persons to whom we may have indemnification obligations, in the normal course of business, are subject to various other pending and threatened legal proceedings in which claims for monetary damages and other relief are asserted. We do not anticipate, at the present time, that the ultimate aggregate liability, if any, arising out of such other legal proceedings will have a material adverse effect on our financial position. However, we cannot now determine whether or not any claims asserted against us or others to whom we may have indemnification obligations, whether in the proceedings or other matters described above or otherwise, will have a material adverse effect on our results of operations in any future reporting period, which will depend on, among other things, the amount of the loss resulting from the claim and the amount of income otherwise reported for the reporting period.

Segment Reporting

Segment Reporting	9 Months Ended
	Sep. 30, 2022
Segment Reporting [Abstract]
Segment Reporting	S EGMENT R EPORTING We have three reportable business segments: • Retail Banking • Corporate & Institutional Banking • Asset Management Group Results of individual businesses are presented based on our internal management reporting practices. There is no comprehensive, authoritative body of guidance for management accounting equivalent to GAAP; therefore, the financial results of our individual businesses are not necessarily comparable with similar information for any other company. We periodically refine our internal methodologies as management reporting practices are enhanced. To the extent significant and practicable, retrospective application of new methodologies is made to prior period reportable business segment results and disclosures to create comparability with the current period. Total business segment financial results differ from total consolidated net income. These differences are reflected in the “Other” category in Table 76. “Other” includes residual activities that do not meet the criteria for disclosure as a separate reportable business, such as asset and liability management activities, including net securities gains or losses, ACL for investment securities, certain trading activities, certain runoff consumer loan portfolios, private equity investments, intercompany eliminations, certain corporate overhead, tax adjustments that are not allocated to business segments, exited businesses and differences between business segment performance reporting and financial statement reporting (GAAP). Assets, revenue and earnings attributable to foreign activities were not material in the periods presented for comparison. Financial results are presented, to the extent practicable, as if each business operated on a stand-alone basis. Additionally, we have aggregated the results for corporate support functions within “Other” for financial reporting purposes. Net interest income in business segment results reflects our internal funds transfer pricing methodology. Assets receive a funding charge and liabilities and capital receive a funding credit based on a transfer pricing methodology that incorporates product repricing characteristics, tenor and other factors. We have allocated the ALLL and the allowance for unfunded lending related commitments based on the loan exposures within each business segment’s portfolio. Key reserve assumptions and estimation processes react to and are influenced by observed changes in loan portfolio performance experience, the financial strength of the borrower and economic conditions. Key reserve assumptions are periodically updated. Business Segment Results Table 76: Results of Businesses Three months ended September 30 Retail Banking Corporate & Asset Other Consolidated (a) 2022 Income Statement Net interest income $ 2,017 $ 1,345 $ 165 $ (52) $ 3,475 Noninterest income 725 887 231 231 2,074 Total revenue 2,742 2,232 396 179 5,549 Provision for (recapture of) credit losses 92 150 4 (5) 241 Depreciation and amortization 76 50 6 145 277 Other noninterest expense 1,825 840 268 70 3,003 Income (loss) before income taxes (benefit) and noncontrolling interests 749 1,192 118 (31) 2,028 Income taxes (benefit) 175 258 28 (73) 388 Net income 574 934 90 42 1,640 Less: Net income (loss) attributable to noncontrolling interests 14 5 (3) 16 Net income excluding noncontrolling interests $ 560 $ 929 $ 90 $ 45 $ 1,624 Average Assets $ 114,619 $ 224,984 $ 14,820 $ 192,674 $ 547,097 2021 Income Statement Net interest income $ 1,713 $ 1,241 $ 141 $ (239) $ 2,856 Noninterest income 662 1,056 256 367 2,341 Total revenue 2,375 2,297 397 128 5,197 Provision for (recapture of) credit losses (113) (99) (6) 15 (203) Depreciation and amortization 78 54 7 138 277 Other noninterest expense 1,811 926 248 325 3,310 Income (loss) before income taxes (benefit) and noncontrolling interests 599 1,416 148 (350) 1,813 Income taxes (benefit) 140 290 34 (141) 323 Net income (loss) 459 1,126 114 (209) 1,490 Less: Net income attributable to noncontrolling interests 12 3 1 16 Net income (loss) excluding noncontrolling interests $ 447 $ 1,123 $ 114 $ (210) $ 1,474 Average Assets $ 117,394 $ 202,268 $ 13,805 $ 225,775 $ 559,242 (Continued from previous page) Nine months ended September 30 Retail Corporate & Asset Other Consolidated (a) 2022 Income Statement Net interest income $ 5,210 $ 3,720 $ 456 $ (56) $ 9,330 Noninterest income 2,218 2,659 713 437 6,027 Total revenue 7,428 6,379 1,169 381 15,357 Provision for (recapture of) credit losses 66 15 11 (23) 69 Depreciation and amortization 233 153 20 437 843 Other noninterest expense 5,473 2,508 775 97 8,853 Income (loss) before income taxes (benefit) and noncontrolling interests 1,656 3,703 363 (130) 5,592 Income taxes (benefit) 389 803 85 (250) 1,027 Net income 1,267 2,900 278 120 4,565 Less: Net income (loss) attributable to noncontrolling interests 45 12 (5) 52 Net income excluding noncontrolling interests $ 1,222 $ 2,888 $ 278 $ 125 $ 4,513 Average Assets $ 113,157 $ 215,163 $ 14,360 $ 205,763 $ 548,443 2021 Income Statement Net interest income $ 4,572 $ 3,315 $ 346 $ (448) $ 7,785 Noninterest income 2,022 2,730 729 818 6,299 Total revenue 6,594 6,045 1,075 370 14,084 Provision for (recapture of) credit losses (156) (277) 8 (27) (452) Depreciation and amortization 214 152 16 385 767 Other noninterest expense 4,828 2,352 660 604 8,444 Income (loss) before income taxes (benefit) and noncontrolling interests 1,708 3,818 391 (592) 5,325 Income taxes (benefit) 396 818 91 (399) 906 Net income (loss) 1,312 3,000 300 (193) 4,419 Less: Net income attributable to noncontrolling interests 26 10 2 38 Net income (loss) excluding noncontrolling interests $ 1,286 $ 2,990 $ 300 $ (195) $ 4,381 Average Assets $ 103,820 $ 184,964 $ 11,124 $ 211,056 $ 510,964 (a) There were no material intersegment revenues for the three and nine months ended September 30, 2022 and 2021. Business Segment Products and Services Retail Banking provides deposit, lending, brokerage, insurance services, investment management and cash management products and services to consumer and small business customers. Our customers are serviced through our branch network, ATMs, call centers, online banking and mobile channels. As a result of the BBVA acquisition, we have become a coast-to-coast retail bank. Our national expansion strategy is designed to grow customers with digitally-led banking and a thin branch network as we expand into new markets. Deposit products include checking, savings and money market accounts and certificates of deposit. Lending products include residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans and personal and small business loans and lines of credit. The residential mortgage loans are directly originated within our branch network and nationwide, and are typically underwritten to agency and/or third-party standards, and either sold, servicing retained or held on our balance sheet. Brokerage, investment management and cash management products and services include managed, education, retirement and trust accounts. Corporate & Institutional Banking provides lending, treasury management and capital markets related products and services to mid-sized and large corporations, and government and not-for-profit entities. Lending products include secured and unsecured loans, letters of credit and equipment leases. The Treasury Management business provides corporations with cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services and access to online/mobile information management and reporting services. Within Treasury Management, PNC Global Transfers provides wholesale money transfer processing capabilities between the U.S., Mexico and other countries primarily in Central and South America. Capital markets related products and services include foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, mergers and acquisitions advisory and equity capital markets advisory related services. We also provide commercial loan servicing and technology solutions for the commercial real estate finance industry. Products and services are provided nationally. Asset Management Group provides private banking for high net worth and ultra high net worth clients and institutional asset management. The Asset Management group is composed of two distinct operating units: • PNC Private Bank provides products and services to emerging affluent, high net worth and ultra high net worth individuals and their families including investment and retirement planning, customized investment management, credit and cash management solutions, trust management and administration. In addition, multi-generational family planning services are also provided to ultra high net worth individuals and their families which include estate, financial, tax, fiduciary and customized performance reporting through PNC Private Bank Hawthorn. • Institutional Asset Management provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, retirement plan fiduciary investment services to institutional clients including corporations, healthcare systems, insurance companies, unions, municipalities and non-profits.

Fee-Based Revenue from Contract

Fee-Based Revenue from Contracts with Customers	9 Months Ended
	Sep. 30, 2022
Revenue from Contract with Customer [Abstract]
Fee-Based Revenue from Contracts with Customers	F EE - BASED R EVENUE FROM C ONTRACTS WITH C USTOMERS As more fully described in Note 24 Fee-based Revenue from Contracts with Customers in Item 8 of our 2021 Form 10-K, a subset of our noninterest income relates to certain fee-based revenue within the scope of ASC Topic 606 - Revenue from Contracts with Customers (Topic 606). Fee-based revenue within the scope of Topic 606 is recognized within our three reportable business segments: Retail Banking, Corporate & Institutional Banking and Asset Management Group. Interest income, income from lease contracts, fair value gains from financial instruments (including derivatives), income from mortgage servicing rights and guarantee products, letter of credit fees, non-refundable fees associated with acquiring or originating a loan and gains from the sale of financial assets are outside of the scope of Topic 606. Effective for the first quarter of 2022, PNC updated the presentation of its noninterest income categorization to be based on product and service type, and accordingly, has changed the basis of presentation of its noninterest income revenue streams to: (i) Asset management and brokerage, (ii) Capital markets related, (iii) Card and cash management, (iv) Lending and deposit services, (v) Residential and commercial mortgage and (vi) Other noninterest income. For a description of each updated noninterest income revenue stream, see Note 1 Accounting Policies. Table 77 presents the noninterest income recognized within the scope of Topic 606 for each of our three reportable business segments' principal products and services, along with the relationship to the noninterest income revenue streams shown on our Consolidated Income Statement. For a description of the fee-based revenue and how it is recognized for each segment's principal products and services, see Note 24 Fee-based Revenue from Contracts with Customers included in Item 8 of our 2021 Form 10-K. Table 77: Noninterest Income by Business Segment and Reconciliation to Consolidated Noninterest Income Three Months Ended Three Months Ended Retail Banking Corporate & Asset Retail Banking Corporate & Asset Asset management and brokerage Asset management fees $ 224 $ 248 Brokerage fees $ 131 2 $ 123 4 Total asset management and brokerage 131 226 123 252 Card and cash management Treasury management fees 11 $ 328 15 $ 306 Debit card fees 175 184 Net credit card fees (a) 60 53 Merchant services 48 16 46 17 Other 23 30 Total card and cash management 317 344 328 323 Lending and deposit services Deposit account fees 146 158 Other 16 8 15 8 Total lending and deposit services 162 8 173 8 Residential and commercial mortgage (b) 36 36 Capital markets related 155 354 Other 11 9 Total in-scope noninterest income 610 554 226 624 730 252 Out-of-scope noninterest income (c) 115 333 5 38 326 4 Noninterest income by business segment $ 725 $ 887 $ 231 $ 662 $ 1,056 $ 256 Reconciliation to consolidated noninterest income Total in-scope business segment noninterest income $ 1,390 $ 1,606 Out-of-scope business segment noninterest income (c) 453 368 Noninterest income from other segments 231 367 Noninterest income as shown on the Consolidated Income Statement $ 2,074 $ 2,341 (Continued from previous page) Nine Months Ended Nine Months Ended Retail Banking Corporate & Asset Retail Banking Corporate & Asset Asset management and brokerage Asset management fees $ 693 $ 713 Brokerage fees $ 400 6 $ 334 6 Total asset management and brokerage 400 699 334 719 Card and cash management Treasury management fees 30 $ 957 33 $ 793 Debit card fees 513 486 Net credit card fees (a) 178 157 Merchant services 141 47 125 44 Other 73 87 Total card and cash management 935 1,004 888 837 Lending and deposit services Deposit account fees 433 406 Other 50 25 42 28 Total lending and deposit services 483 25 448 28 Residential and commercial mortgage (b) 100 102 Capital markets related 564 778 Other 33 36 Total in-scope noninterest income 1,818 1,726 699 1,670 1,781 719 Out-of-scope noninterest income (c) 400 933 14 352 949 10 Noninterest income by business segment $ 2,218 $ 2,659 $ 713 $ 2,022 $ 2,730 $ 729 Reconciliation to consolidated noninterest income Total in-scope business segment noninterest income $ 4,243 $ 4,170 Out-of-scope business segment noninterest income (c) 1,347 1,311 Noninterest income from other segments 437 818 Noninterest income as shown on the Consolidated Income Statement $ 6,027 $ 6,299 (a) Net credit card fees consists of interchange fees of $169 million and $155 million and credit card reward costs of $109 million and $102 million for the three months ended September 30, 2022 and 2021, respectively. Net credit card fees consists of interchange fees of $489 million and $421 million and credit card reward costs of $311 million and $264 million for the nine months ended September 30, 2022 and 2021, respectively. (b) Residential mortgage noninterest income falls under the scope of other accounting and disclosure requirements outside of Topic 606 and is included within the out-of-scope noninterest income line for the Retail Banking segment.

Subsequent Events

Subsequent Events	9 Months Ended
	Sep. 30, 2022
Subsequent Events [Abstract]
Subsequent Events	S UBSEQUENT E VENTS On October 28, 2022, the parent company issued $1.0 billion of senior fixed-to-floating rate notes with a maturity date of October 28, 2025 (the “2025 Senior Notes”) and $1.5 billion of senior fixed-to-floating rate notes with a maturity date of October 28, 2033 (the “2033 Senior Notes”). Interest is payable on the 2025 Senior Notes semi-annually in arrears at a fixed rate of 5.671% per annum, on April 28 and October 28 of each year, beginning on April 28, 2023. Beginning on October 28, 2024, interest is payable on the 2025 Senior Notes quarterly in arrears at a floating rate per annum equal to Compounded SOFR (determined with respect to each quarterly interest period using the SOFR Index as described in the Prospectus Supplement), plus 1.09%, on January 28, 2025, April 28, 2025, July 28, 2025 and at the maturity date. Interest is payable on the 2033 Senior Notes semi-annually in arrears at a fixed rate of 6.037% per annum, on April 28 and October 28 of each year, beginning on April 28, 2023. Beginning on October 28, 2032, interest is payable on the 2033 Senior Notes quarterly in arrears at a floating rate per annum equal to Compounded SOFR (determined with respect to each quarterly interest period using the SOFR Index as described in the Prospectus Supplement), plus 2.14%, on January 28, 2033, April 28, 2033, July 28, 2033 and at the maturity date. On November 1, 2022, PNC redeemed $1.5 billion of depositary shares representing interests in PNC’s fixed-to-floating rate non-cumulative perpetual preferred stock, Series P. Each depositary share represents a 1/4,000th interest in a share of the Series P preferred stock. The depositary shares were redeemed at a redemption price of $25.00 per depositary share plus declared and unpaid dividends of $0.43763 per depositary share, representing the dividend for the period from August 1, 2022 to, but excluding, November 1, 2022. All 60 million depositary shares outstanding were redeemed.

Accounting Policies (Policies)

Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2022
Accounting Policies [Abstract]
Business and Basis of Financial Statement Presentation	B USINESS PNC is one of the largest diversified financial services companies in the U.S. and is headquartered in Pittsburgh, Pennsylvania. Basis of Financial Statement Presentation Our consolidated financial statements include the accounts of the parent company and its subsidiaries, most of which are wholly-owned, certain partnership interests and VIEs. On June 1, 2021, we acquired BBVA, a U.S. financial holding company conducting its business operations primarily through its U.S. banking subsidiary, BBVA USA. Our results of operations and balance sheets for all periods presented in this Report reflect the benefit of BBVA's acquired businesses for the period since the acquisition closed on June 1, 2021. See Note 2 Acquisition Activity for additional information related to this acquisition. We prepared these consolidated financial statements in accordance with GAAP. We have eliminated intercompany accounts and transactions. We have also reclassified certain prior year amounts to conform to the current period presentation, which did not have a material impact on our consolidated financial condition or results of operations. In our opinion, the unaudited interim consolidated financial statements reflect all normal, recurring adjustments needed to state fairly our results for the interim periods. The results of operations for interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period. We have also considered the impact of subsequent events on these consolidated financial statements. When preparing these unaudited interim consolidated financial statements, we have assumed that you have read the audited consolidated financial statements included in our 2021 Form 10-K. Reference is made to Note 1 Accounting Policies in our 2021 Form 10-K for a detailed description of significant accounting policies. These interim consolidated financial statements serve to update our 2021 Form 10-K and may not include all information and Notes necessary to constitute a complete set of financial statements. There have been no significant changes to our accounting policies as disclosed in our 2021 Form 10-K.
Noninterest Income Presentation	Noninterest Income Presentation Effective for the first quarter of 2022, PNC updated the presentation of its noninterest income categorization to be based on product and service type, and accordingly, has changed the basis of presentation of its noninterest income revenue streams to: (i) Asset management and brokerage, (ii) Capital markets related, (iii) Card and cash management, (iv) Lending and deposit services, (v) Residential and commercial mortgage and (vi) Other noninterest income. A description of each revenue stream follows: Asset management and brokerage includes revenue from our asset management and retail brokerage businesses. Asset management services include investment management, custody, retirement planning, family planning, trust management and retirement administration. Brokerage services offer retail customers a wide range of investment options, including mutual funds, annuities, stock, bonds and managed accounts. Capital markets related includes revenue from services and activities primarily related to merger and acquisition advisory, equity capital markets advisory, asset-backed financing, loan syndication, securities underwriting, credit valuation adjustments related to the derivatives portfolio and customer-related trading. Card and cash management includes revenue primarily from debit and credit card activities, inclusive of credit card points and rewards, treasury management services and ATM fees. Debit and credit card activities include interchange revenue and merchant service fees. Treasury management services include cash and investment management, receivables and disbursement management, funds transfer, international payment and access to online/mobile information management and reporting. Lending and deposit services includes revenue primarily related to service charges on deposits, loan commitment and usage fees, the issuance of standby letters of credit, operating lease income and long-term care and insurance products. Residential and commercial mortgage includes the gain and loss on sale of mortgages, revenue related to our mortgage servicing responsibilities, mortgage servicing rights valuation adjustments and net gains on originations and sales of loans held for sale. Other noninterest income is primarily composed of private equity revenue, net securities gains and losses, activity related to our equity investment in Visa and gains and losses on asset sales.
Use of Estimates	Use of Estimates We prepared these consolidated financial statements using financial information available at the time of preparation, which requires us to make estimates and assumptions that affect the amounts reported. Our most significant estimates pertain to the ACL and our fair value measurements, including for the BBVA acquisition. Actual results may differ from the estimates and the differences may be material to the consolidated financial statements.
Recently Adopted Accounting Standards	Recently Adopted Accounting Standards Accounting Standards Update Description Financial Statement Impact Reference Rate Reform - ASU 2020-04 Issued March 2020 Reference Rate Reform Scope - ASU 2021-01 Issued January 2021 • Provides optional expedients and exceptions for applying generally accepted accounting principles to contracts, hedging relationships and other transactions that reference LIBOR or another reference rate expected to be discontinued because of reference rate reform (codified in ASC 848). • Includes optional expedients related to contract modifications that allow an entity to account for modifications (if certain criteria are met) as if the modifications were only minor (assets within the scope of ASC 310, Receivables ), were not substantial (assets within the scope of ASC 470, Debt ) and/or did not result in remeasurements or reclassifications (assets within the scope of ASC 842, Leases , and other Topics) of the existing contract. • Includes optional expedients related to hedging relationships within the scope of ASC 815, Derivatives & Hedging , whereby changes to the critical terms of a hedging relationship do not require dedesignation if certain criteria are met. In addition, potential sources of ineffectiveness as a result of reference rate reform may be disregarded when performing some effectiveness assessments. • Includes optional expedients and exceptions for contract modifications and hedge accounting that apply to derivative instruments impacted by the market-wide discounting transition. • Guidance in these ASUs are currently effective as of March 12, 2020 through December 31, 2022. We expect the FASB to extend the relief to December 31, 2024 in a future ASU. • ASU 2020-04 was adopted March 12, 2020. ASU 2021-01 was retrospectively adopted October 1, 2020. • Refer to Note 1 Accounting Policies in the 2021 Form 10-K for more information on elections of optional expedients that occurred in 2020 and 2021. • We did not make any additional elections for the third quarter of 2022. We expect to continue to elect various optional expedients for contract modifications and hedge relationships affected by reference rate reform through the effective date of this guidance.

Accounting Policies (Tables)

Accounting Policies (Tables)	9 Months Ended
	Sep. 30, 2022
Accounting Policies [Abstract]
Recently Adopted Accounting Standards	Recently Adopted Accounting Standards Accounting Standards Update Description Financial Statement Impact Reference Rate Reform - ASU 2020-04 Issued March 2020 Reference Rate Reform Scope - ASU 2021-01 Issued January 2021 • Provides optional expedients and exceptions for applying generally accepted accounting principles to contracts, hedging relationships and other transactions that reference LIBOR or another reference rate expected to be discontinued because of reference rate reform (codified in ASC 848). • Includes optional expedients related to contract modifications that allow an entity to account for modifications (if certain criteria are met) as if the modifications were only minor (assets within the scope of ASC 310, Receivables ), were not substantial (assets within the scope of ASC 470, Debt ) and/or did not result in remeasurements or reclassifications (assets within the scope of ASC 842, Leases , and other Topics) of the existing contract. • Includes optional expedients related to hedging relationships within the scope of ASC 815, Derivatives & Hedging , whereby changes to the critical terms of a hedging relationship do not require dedesignation if certain criteria are met. In addition, potential sources of ineffectiveness as a result of reference rate reform may be disregarded when performing some effectiveness assessments. • Includes optional expedients and exceptions for contract modifications and hedge accounting that apply to derivative instruments impacted by the market-wide discounting transition. • Guidance in these ASUs are currently effective as of March 12, 2020 through December 31, 2022. We expect the FASB to extend the relief to December 31, 2024 in a future ASU. • ASU 2020-04 was adopted March 12, 2020. ASU 2021-01 was retrospectively adopted October 1, 2020. • Refer to Note 1 Accounting Policies in the 2021 Form 10-K for more information on elections of optional expedients that occurred in 2020 and 2021. • We did not make any additional elections for the third quarter of 2022. We expect to continue to elect various optional expedients for contract modifications and hedge relationships affected by reference rate reform through the effective date of this guidance.

Acquisition Activity (Tables)

Acquisition Activity (Tables)	9 Months Ended
	Sep. 30, 2022
Business Combination and Asset Acquisition [Abstract]
Acquisition Consideration	The following table includes the fair value of the identifiable tangible and intangible assets and liabilities from BBVA: Table 34: Acquisition Consideration June 1, 2021 In millions Fair Value Fair value of acquisition consideration $ 11,480 Assets Cash and due from banks $ 969 Interest-earning deposits with banks 13,313 Loans held for sale 463 Investment securities – available for sale 18,358 Net loans 61,423 Equity investments 723 Mortgage servicing rights 35 Core deposit intangibles and other intangible assets 378 Other 3,527 Total assets $ 99,189 Liabilities Deposits $ 85,562 Borrowed funds 2,449 Accrued expenses and other liabilities 1,275 Total liabilities $ 89,286 Noncontrolling interests 22 Less: Net assets $ 9,881 Goodwill $ 1,599

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2022
Investment Securities Disclosure [Abstract]
Investment Securities Summary	The following table summarizes our available for sale and held to maturity portfolios by major security type: Table 35: Investment Securities Summary (a) September 30, 2022 December 31, 2021 In millions Amortized Unrealized Fair Amortized Unrealized Fair Gains Losses Gains Losses Securities Available for Sale U.S. Treasury and government agencies $ 11,093 $ 9 $ (884) $ 10,218 $ 46,210 $ 324 $ (370) $ 46,164 Residential mortgage-backed Agency 31,993 4 (3,609) 28,388 67,326 695 (389) 67,632 Non-agency 725 151 (5) 871 927 231 1,158 Commercial mortgage-backed Agency 1,930 1 (176) 1,755 1,740 39 (6) 1,773 Non-agency 1,363 1 (61) 1,303 3,423 31 (18) 3,436 Asset-backed 106 27 (1) 132 6,380 60 (31) 6,409 Other 3,379 43 (291) 3,131 4,792 186 (14) 4,964 Total securities available for sale $ 50,589 $ 236 $ (5,027) $ 45,798 $ 130,798 $ 1,566 $ (828) $ 131,536 Securities Held to Maturity U.S. Treasury and government agencies $ 36,120 $ 1 $ (1,717) $ 34,404 $ 814 $ 76 $ 890 Residential mortgage-backed Agency 42,152 (3,391) 38,761 Non-agency 281 (23) 258 Commercial mortgage-backed Agency 663 (27) 636 Non-agency 1,746 2 (25) 1,723 Asset-backed 6,565 (161) 6,404 Other 3,126 (124) 3,002 612 27 $ (7) 632 Total securities held to maturity (c) (d) $ 90,653 $ 3 $ (5,468) $ 85,188 $ 1,426 $ 103 $ (7) $ 1,522 (a) At September 30, 2022, the accrued interest associated with our held to maturity and available for sale portfolios totaled $211 million and $140 million, respectively. The comparable amounts at December 31, 2021 were $5 million and $322 million, respectively. These amounts are included in Other assets on the Consolidated Balance Sheet. (b) Amortized cost is presented net of allowance of $133 million for securities available for sale and $7 million for securities held to maturity at September 30, 2022. The comparable amounts at December 31, 2021 were $130 million and $3 million, respectively. (c) Credit ratings represent a primary credit quality indicator used to monitor and manage credit risk. 99% and 86% of our securities held to maturity were rated AAA/AA at September 30, 2022 and December 31, 2021, respectively.
Gross Unrealized Loss and Fair Value of Securities Available for Sale Without an Allowance for Credit Losses	Table 36: Gross Unrealized Loss and Fair Value of Securities Available for Sale Without an Allowance for Credit Losses Unrealized loss position Unrealized loss position Total In millions Unrealized Fair Unrealized Fair Unrealized Fair September 30, 2022 U.S. Treasury and government agencies $ (817) $ 9,462 $ (67) $ 404 $ (884) $ 9,866 Residential mortgage-backed Agency (2,874) 24,373 (735) 3,602 (3,609) 27,975 Non-agency (3) 71 (1) 17 (4) 88 Commercial mortgage-backed Agency (166) 1,588 (10) 144 (176) 1,732 Non-agency (42) 945 (7) 236 (49) 1,181 Asset-backed (1) 10 (1) 10 Other (195) 2,266 (52) 314 (247) 2,580 Total securities available for sale $ (4,098) $ 38,715 $ (872) $ 4,717 $ (4,970) $ 43,432 December 31, 2021 U.S. Treasury and government agencies $ (370) $ 32,600 $ (370) $ 32,600 Agency residential mortgage-backed (369) 41,521 $ (20) $ 1,489 (389) 43,010 Commercial mortgage-backed Agency (5) 451 (1) 60 (6) 511 Non-agency (4) 1,453 (3) 474 (7) 1,927 Asset-backed (29) 3,465 (2) 188 (31) 3,653 Other (13) 1,405 (13) 1,405 Total securities available for sale $ (790) $ 80,895 $ (26) $ 2,211 $ (816) $ 83,106
Gains (losses) on Sales Of Securities Available for Sale	Information relating to gross realized securities gains and losses from the sales of securities is set forth in the following table: Table 37: Gains (Losses) on Sales of Securities Available for Sale Nine months ended September 30 Gross Gains Gross Losses Net Gains (Losses) Tax Expense (Benefit) 2022 $ 11 $ (15) $ (4) $ (1) 2021 $ 275 $ (225) $ 50 $ 11
Contractual Maturity of Securities	The following table presents, by remaining contractual maturity, the amortized cost, fair value and weighted-average yield of debt securities at September 30, 2022: Table 38: Contractual Maturity of Debt Securities September 30, 2022 1 Year or Less After 1 Year After 5 Years After 10 Total Securities Available for Sale U.S. Treasury and government agencies $ 3,686 $ 3,265 $ 2,100 $ 2,042 $ 11,093 Residential mortgage-backed Agency 2 79 2,985 28,927 31,993 Non-agency 7 718 725 Commercial mortgage-backed Agency 59 454 1,095 322 1,930 Non-agency 6 388 969 1,363 Asset-backed 10 96 106 Other 134 2,228 859 158 3,379 Total securities available for sale at amortized cost $ 3,881 $ 6,032 $ 7,444 $ 33,232 $ 50,589 Fair value $ 3,861 $ 5,645 $ 6,681 $ 29,611 $ 45,798 Weighted-average yield, GAAP basis (a) 2.38 % 1.67 % 2.30 % 2.75 % 2.52 % Securities Held to Maturity U.S. Treasury and government agencies $ 1,212 $ 25,882 $ 8,515 $ 511 $ 36,120 Residential mortgage-backed Agency 9 264 41,879 42,152 Non-agency 281 281 Commercial mortgage-backed Agency 448 215 663 Non-agency 115 5 1,626 1,746 Asset-backed 99 1,908 1,765 2,793 6,565 Other 230 1,057 592 1,247 3,126 Total securities held to maturity at amortized cost $ 1,541 $ 28,971 $ 11,589 $ 48,552 $ 90,653 Fair value $ 1,527 $ 27,909 $ 10,879 $ 44,873 $ 85,188 Weighted-average yield, GAAP basis (a) 1.25 % 1.26 % 2.01 % 2.66 % 2.11 % (a) Weighted-average yields are based on amortized cost with effective yields weighted for the contractual maturity of each security. Actual maturities and yields may differ as certain securities may be prepaid.
Fair Value of Securities Pledged and Accepted as Collateral	The following table presents the fair value of securities that have been either pledged to or accepted from others to collateralize outstanding borrowings: Table 39: Fair Value of Securities Pledged and Accepted as Collateral In millions September 30 December 31 Pledged to others $ 19,408 $ 27,349 Accepted from others: Permitted by contract or custom to sell or repledge $ 1,507 $ 707 Permitted amount repledged to others $ 1,507 $ 707

Loans and Related Allowance f_2

Loans and Related Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 2022
Asset Quality [Abstract]
Summary Of The Classification Of Portfolio Segments	Commercial Consumer • Commercial and industrial • Residential real estate • Commercial real estate • Home equity • Equipment lease financing • Automobile • Credit card • Education • Other consumer
Analysis of Loan Portfolio	Table 40: Analysis of Loan Portfolio (a) (b) Accruing Dollars in millions Current or Less 30-59 60-89 90 Days Total Nonperforming Fair Value Total Loans September 30, 2022 Commercial Commercial and industrial $ 172,550 $ 321 $ 55 $ 139 $ 515 $ 748 $ 173,813 Commercial real estate 35,424 11 4 5 20 148 35,592 Equipment lease financing 6,173 6 6 12 7 6,192 Total commercial 214,147 338 65 144 547 903 215,597 Consumer Residential real estate 43,467 298 95 196 589 (c) 429 $ 572 45,057 Home equity 24,693 46 16 62 530 82 25,367 Automobile 14,735 96 21 6 123 167 15,025 Credit card 6,636 44 30 58 132 6 6,774 Education 2,162 36 26 63 125 (c) 2,287 Other consumer 5,212 21 15 12 48 33 5,293 Total consumer 96,905 541 203 335 1,079 1,165 654 99,803 Total $ 311,052 $ 879 $ 268 $ 479 $ 1,626 $ 2,068 $ 654 $ 315,400 Percentage of total loans 98.61 % 0.28 % 0.08 % 0.15 % 0.52 % 0.66 % 0.21 % 100.00 % December 31, 2021 Commercial Commercial and industrial $ 151,698 $ 235 $ 72 $ 132 $ 439 $ 796 $ 152,933 Commercial real estate 33,580 46 24 1 71 364 34,015 Equipment lease financing 6,095 25 2 27 8 6,130 Total commercial 191,373 306 98 133 537 1,168 193,078 Consumer Residential real estate 37,706 379 119 328 826 (c) 517 $ 663 39,712 Home equity 23,305 53 18 71 596 89 24,061 Automobile 16,252 146 40 14 200 183 16,635 Credit card 6,475 49 33 62 144 7 6,626 Education 2,400 43 25 65 133 (c) 2,533 Other consumer 5,644 35 22 17 74 9 5,727 Total consumer 91,782 705 257 486 1,448 1,312 752 95,294 Total $ 283,155 $ 1,011 $ 355 $ 619 $ 1,985 $ 2,480 $ 752 $ 288,372 Percentage of total loans 98.19 % 0.35 % 0.12 % 0.21 % 0.69 % 0.86 % 0.26 % 100.00 % (a) Amounts in table represent loans held for investment and do not include any associated ALLL. (b) The accrued interest associated with our loan portfolio totaled $1.0 billion and $0.7 billion at September 30, 2022 and December 31, 2021, respectively. These amounts are included in Other assets on the Consolidated Balance Sheet. (c) Past due loan amounts include government insured or guaranteed Residential real estate loans and Education loans totaling $0.3 billion and $0.1 billion at September 30, 2022. Comparable amounts at December 31, 2021 were $0.4 billion and $0.1 billion. (d) Consumer loans accounted for under the fair value option for which we do not expect to collect substantially all principal and interest are subject to nonaccrual accounting and classification upon meeting any of our nonaccrual policies. Given that these loans are not accounted for at amortized cost, these loans have been excluded from the nonperforming loan population. (e) Includes unearned income, unamortized deferred fees and costs on originated loans and premiums or discounts on purchased loans totaling $0.7 billion at both September 30, 2022 and December 31, 2021. (f) Collateral dependent loans totaled $1.3 billion and $1.7 billion at September 30, 2022 and December 31, 2021, respectively.
Nonperforming Assets	The following table presents our nonperforming assets as of September 30, 2022 and December 31, 2021, respectively: Table 41: Nonperforming Assets Dollars in millions September 30 December 31 Nonperforming loans Commercial $ 903 $ 1,168 Consumer (a) 1,165 1,312 Total nonperforming loans (b) 2,068 2,480 OREO and foreclosed assets 33 26 Total nonperforming assets $ 2,101 $ 2,506 Nonperforming loans to total loans 0.66 % 0.86 % Nonperforming assets to total loans, OREO and foreclosed assets 0.67 % 0.87 % Nonperforming assets to total assets 0.38 % 0.45 % (a) Excludes most unsecured consumer loans and lines of credit, which are charged off after 120 to 180 days past due and are not placed on nonperforming status. (b) Nonperforming loans for which there is no related ALLL totaled $0.9 billion at September 30, 2022 and primarily include loans with a fair value of collateral that exceeds the amortized cost basis. The comparable amount at December 31, 2021 was $1.0 billion.
Credit Quality Indicators By Loan Class	The following table presents credit quality indicators for the commercial loan classes: Table 42: Commercial Credit Quality Indicators (a) Term Loans by Origination Year September 30, 2022 In millions 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Total Commercial and industrial Pass Rated $ 31,271 $ 14,475 $ 9,018 $ 7,607 $ 4,858 $ 14,602 $ 85,101 $ 69 $ 167,001 Criticized 802 439 360 429 334 643 3,777 28 6,812 Total commercial and industrial 32,073 14,914 9,378 8,036 5,192 15,245 88,878 97 173,813 Commercial real estate Pass Rated 6,789 4,114 3,684 5,975 3,198 7,957 266 31,983 Criticized 332 39 235 583 833 1,584 3 3,609 Total commercial real estate 7,121 4,153 3,919 6,558 4,031 9,541 269 35,592 Equipment lease financing Pass Rated 1,168 1,010 1,000 718 454 1,599 5,949 Criticized 45 59 61 42 21 15 243 Total equipment lease financing 1,213 1,069 1,061 760 475 1,614 6,192 Total commercial $ 40,407 $ 20,136 $ 14,358 $ 15,354 $ 9,698 $ 26,400 $ 89,147 $ 97 $ 215,597 Term Loans by Origination Year December 31, 2021 In millions 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Total Commercial and industrial Pass Rated $ 27,104 $ 12,053 $ 10,731 $ 6,698 $ 6,355 $ 11,759 $ 71,230 $ 90 $ 146,020 Criticized 283 368 815 649 496 824 3,448 30 6,913 Total commercial and industrial 27,387 12,421 11,546 7,347 6,851 12,583 74,678 120 152,933 Commercial real estate Pass Rated 4,110 4,109 6,355 4,234 2,634 7,562 436 29,440 Criticized 294 298 999 820 566 1,552 46 4,575 Total commercial real estate 4,404 4,407 7,354 5,054 3,200 9,114 482 34,015 Equipment lease financing Pass Rated 1,212 1,190 942 682 507 1,410 5,943 Criticized 37 54 41 29 19 7 187 Total equipment lease financing 1,249 1,244 983 711 526 1,417 6,130 Total commercial $ 33,040 $ 18,072 $ 19,883 $ 13,112 $ 10,577 $ 23,114 $ 75,160 $ 120 $ 193,078 (a) Loans in our commercial portfolio are classified as Pass Rated or Criticized based on the regulatory definitions, which are driven by the PD and LGD ratings that we assign. The Criticized classification includes loans that were rated special mention, substandard or doubtful as of September 30, 2022 and December 31, 2021. Residential Real Estate and Home Equity The following table presents credit quality indicators for the residential real estate and home equity loan classes: Table 43: Credit Quality Indicators for Residential Real Estate and Home Equity Loan Classes Term Loans by Origination Year September 30, 2022 In millions 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Total Loans Residential real estate Current estimated LTV ratios Greater than 100% $ 46 $ 24 $ 6 $ 6 $ 40 $ 122 Greater than or equal to 80% to 100% $ 979 529 173 67 19 95 1,862 Less than 80% 8,168 16,197 7,240 2,409 852 7,493 42,359 No LTV available 53 1 8 62 Government insured or guaranteed loans 3 9 50 35 24 531 652 Total residential real estate $ 9,150 $ 16,834 $ 7,488 $ 2,517 $ 901 $ 8,167 $ 45,057 Updated FICO scores Greater than or equal to 780 $ 5,416 $ 12,138 $ 5,267 $ 1,644 $ 465 $ 4,113 $ 29,043 720 to 779 3,152 3,294 1,457 499 212 1,610 10,224 660 to 719 442 752 403 190 91 806 2,684 Less than 660 42 109 112 83 71 775 1,192 No FICO score available 95 532 199 66 38 332 1,262 Government insured or guaranteed loans 3 9 50 35 24 531 652 Total residential real estate $ 9,150 $ 16,834 $ 7,488 $ 2,517 $ 901 $ 8,167 $ 45,057 Home equity Current estimated LTV ratios Greater than 100% $ 2 $ 12 $ 7 $ 1 $ 14 $ 220 $ 95 $ 351 Greater than or equal to 80% to 100% 4 52 27 4 30 748 1,058 1,923 Less than 80% 179 2,143 1,004 300 3,021 7,861 8,585 23,093 Total home equity $ 185 $ 2,207 $ 1,038 $ 305 $ 3,065 $ 8,829 $ 9,738 $ 25,367 Updated FICO scores Greater than or equal to 780 $ 109 $ 1,400 $ 577 $ 162 $ 1,895 $ 5,154 $ 5,123 $ 14,420 720 to 779 51 537 269 69 602 2,274 2,582 6,384 660 to 719 21 212 138 44 307 1,059 1,331 3,112 Less than 660 4 55 53 29 251 324 633 1,349 No FICO score available 3 1 1 10 18 69 102 Total home equity $ 185 $ 2,207 $ 1,038 $ 305 $ 3,065 $ 8,829 $ 9,738 $ 25,367 (Continued from previous page) Term Loans by Origination Year December 31, 2021 In millions 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Total Loans Residential real estate Current estimated LTV ratios Greater than 100% $ 10 $ 52 $ 21 $ 12 $ 13 $ 77 $ 185 Greater than or equal to 80% to 100% 1,460 560 221 86 66 190 2,583 Less than 80% 15,213 7,822 2,834 1,004 1,570 7,385 35,828 No LTV available 275 6 1 1 22 305 Government insured or guaranteed loans 3 33 37 30 39 669 811 Total residential real estate $ 16,961 $ 8,473 $ 3,114 $ 1,133 $ 1,688 $ 8,343 $ 39,712 Updated FICO scores Greater than or equal to 780 $ 11,110 $ 5,898 $ 1,996 $ 596 $ 1,029 $ 4,052 $ 24,681 720 to 779 4,921 1,735 643 247 345 1,619 9,510 660 to 719 717 463 255 136 133 796 2,500 Less than 660 83 103 96 75 94 848 1,299 No FICO score available 127 241 87 49 48 359 911 Government insured or guaranteed loans 3 33 37 30 39 669 811 Total residential real estate $ 16,961 $ 8,473 $ 3,114 $ 1,133 $ 1,688 $ 8,343 $ 39,712 Home equity Current estimated LTV ratios Greater than 100% $ 1 $ 16 $ 14 $ 3 $ 2 $ 25 $ 329 $ 90 $ 480 Greater than or equal to 80% to 100% 7 85 62 13 11 66 990 674 1,908 Less than 80% 204 2,487 1,189 370 549 3,200 7,868 5,806 21,673 Total home equity $ 212 $ 2,588 $ 1,265 $ 386 $ 562 $ 3,291 $ 9,187 $ 6,570 $ 24,061 Updated FICO scores Greater than or equal to 780 $ 124 $ 1,619 $ 692 $ 201 $ 364 $ 2,035 $ 5,490 $ 3,320 $ 13,845 720 to 779 61 666 348 96 116 642 2,283 1,679 5,891 660 to 719 23 248 167 56 53 327 1,071 872 2,817 Less than 660 4 53 57 32 28 277 325 615 1,391 No FICO score available 2 1 1 1 10 18 84 117 Total home equity $ 212 $ 2,588 $ 1,265 $ 386 $ 562 $ 3,291 $ 9,187 $ 6,570 $ 24,061 The following table presents credit quality indicators for the automobile, credit card, education and other consumer loan classes: Table 44: Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes Term Loans by Origination Year September 30, 2022 In millions 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted to Term Total Loans Updated FICO Scores Automobile FICO score greater than or equal to 780 $ 1,984 $ 2,327 $ 1,041 $ 887 $ 301 $ 111 $ 6,651 720 to 779 1,277 1,503 649 635 277 100 4,441 660 to 719 622 728 388 470 229 79 2,516 Less than 660 117 289 242 404 266 99 1,417 Total automobile $ 4,000 $ 4,847 $ 2,320 $ 2,396 $ 1,073 $ 389 $ 15,025 Credit card FICO score greater than or equal to 780 $ 1,835 $ 2 $ 1,837 720 to 779 1,945 7 1,952 660 to 719 1,876 15 1,891 Less than 660 952 32 984 No FICO score available or required (a) 107 3 110 Total credit card $ 6,715 $ 59 $ 6,774 Education FICO score greater than or equal to 780 $ 18 $ 55 $ 51 $ 63 $ 52 $ 373 $ 612 720 to 779 20 28 25 31 25 151 280 660 to 719 12 8 8 10 9 64 111 Less than 660 2 1 1 2 2 22 30 No FICO score available or required (a) 16 8 9 6 2 1 42 Education loans using FICO credit metric 68 100 94 112 90 611 1,075 Other internal credit metrics 1,212 1,212 Total education $ 68 $ 100 $ 94 $ 112 $ 90 $ 1,823 $ 2,287 Other consumer FICO score greater than or equal to 780 $ 176 $ 118 $ 68 $ 59 $ 20 $ 22 $ 51 $ 2 $ 516 720 to 779 240 149 84 80 28 16 93 2 692 660 to 719 182 122 83 83 37 11 96 3 617 Less than 660 15 49 42 48 26 7 45 2 234 Other consumer loans using FICO credit metric 613 438 277 270 111 56 285 9 2,059 Other internal credit metrics 78 44 39 59 8 31 2,950 25 3,234 Total other consumer $ 691 $ 482 $ 316 $ 329 $ 119 $ 87 $ 3,235 $ 34 $ 5,293 (Continued from previous page) Term Loans by Origination Year December 31, 2021 In millions 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted to Term Total Loans Updated FICO Scores Automobile FICO score greater than or equal to 780 $ 3,247 $ 1,496 $ 1,380 $ 533 $ 226 $ 79 $ 6,961 720 to 779 2,119 983 1,030 499 195 62 4,888 660 to 719 969 609 772 413 155 44 2,962 Less than 660 277 315 583 429 162 58 1,824 Total automobile $ 6,612 $ 3,403 $ 3,765 $ 1,874 $ 738 $ 243 $ 16,635 Credit card FICO score greater than or equal to 780 $ 1,815 $ 2 $ 1,817 720 to 779 1,836 9 1,845 660 to 719 1,856 19 1,875 Less than 660 943 29 972 No FICO score available or required (a) 114 3 117 Total credit card $ 6,564 $ 62 $ 6,626 Education FICO score greater than or equal to 780 $ 37 $ 60 $ 77 $ 62 $ 48 $ 392 $ 676 720 to 779 20 29 37 30 21 160 297 660 to 719 7 9 11 11 7 73 118 Less than 660 1 1 2 2 2 25 33 No FICO score available or required (a) 11 10 7 2 1 31 Education loans using FICO credit metric 76 109 134 107 78 651 1,155 Other internal credit metrics 1,378 1,378 Total education $ 76 $ 109 $ 134 $ 107 $ 78 $ 2,029 $ 2,533 Other consumer FICO score greater than or equal to 780 $ 199 $ 131 $ 123 $ 47 $ 12 $ 32 $ 95 $ 1 $ 640 720 to 779 250 172 167 68 15 19 125 816 660 to 719 190 145 165 82 16 11 122 731 Less than 660 50 62 85 54 10 6 50 1 318 Other consumer loans using FICO credit metric 689 510 540 251 53 68 392 2 2,505 Other internal credit metrics 87 31 35 23 22 48 2,955 21 3,222 Total other consumer $ 776 $ 541 $ 575 $ 274 $ 75 $ 116 $ 3,347 $ 23 $ 5,727 (a) Loans with no FICO score available or required generally refers to new accounts issued to borrowers with limited credit history, accounts for which we cannot obtain an updated FICO score ( e.g. , recent profile changes), cards issued with a business name and/or cards secured by collateral. Management proactively assesses the risk and size of this loan category and, when necessary, takes actions to mitigate the credit risk.
Financial Impact and TDRs by Concession Type	Table 45: Financial Impact and TDRs by Concession Type (a) Pre-TDR Post-TDR Amortized Cost Basis (c) During the three months ended September 30, 2022 Dollars in millions Number Principal Rate Other Total Commercial 15 $ 96 $ 10 $ 67 $ 77 Consumer 2,232 40 29 6 35 Total TDRs 2,247 $ 136 $ 39 $ 73 $ 112 During the nine months ended September 30, 2022 Dollars in millions Commercial 42 $ 184 $ 9 $ 10 $ 135 $ 154 Consumer 8,152 126 95 18 113 Total TDRs 8,194 $ 310 $ 9 $ 105 $ 153 $ 267 Pre-TDR Post-TDR Amortized Cost Basis (c) During the three months ended September 30, 2021 Dollars in millions Number Principal Rate Other Total Commercial 13 $ 123 $ 139 $ 139 Consumer 1,340 31 $ 21 7 28 Total TDRs 1,353 $ 154 $ 21 $ 146 $ 167 During the nine months ended September 30, 2021 Dollars in millions Commercial 43 $ 320 $ 315 $ 315 Consumer 4,822 86 $ 49 28 77 Total TDRs 4,865 $ 406 $ 49 $ 343 $ 392 (a) Impact of partial charge-offs at TDR date is included in this table. (b) Represents the amortized cost basis of the loans as of the quarter end prior to TDR designation. (c) Represents the amortized cost basis of the TDRs as of the end of the quarter in which the TDR occurs.
Subsequently Defaulted TDRs	Table 46: Subsequently Defaulted TDRs In millions 2022 2021 Three months ended September 30 $ 23 $ 6 Nine months ended September 30 $ 45 $ 25
Rollforward of Allowance for Credit Losses	Table 47: Rollforward of Allowance for Credit Losses Three months ended September 30 Nine months ended September 30 2022 2021 2022 2021 In millions Commercial Consumer Total Commercial Consumer Total Commercial Consumer Total Commercial Consumer Total Allowance for loan and lease losses Beginning balance $ 2,937 $ 1,525 $ 4,462 $ 3,812 $ 1,918 $ 5,730 $ 3,185 $ 1,683 $ 4,868 $ 3,337 $ 2,024 $ 5,361 Acquisition PCD reserves (54) (5) (59) 774 282 1,056 Charge-offs (73) (149) (222) (50) (156) (206) (162) (506) (668) (393) (484) (877) Recoveries 25 78 103 29 96 125 78 251 329 81 263 344 Net (charge-offs) (48) (71) (119) (21) (60) (81) (84) (255) (339) (312) (221) (533) Provision for (recapture of) credit losses 174 67 241 (129) (100) (229) (34) 93 59 (193) (332) (525) Other (2) (1) (3) (5) (1) (6) (6) $ (1) (7) (3) (1) (4) Ending balance $ 3,061 $ 1,520 $ 4,581 $ 3,603 $ 1,752 $ 5,355 $ 3,061 $ 1,520 $ 4,581 $ 3,603 $ 1,752 $ 5,355 Allowance for unfunded lending related commitments (a) Beginning balance $ 630 $ 51 $ 681 $ 533 $ 112 $ 645 $ 564 $ 98 $ 662 $ 485 $ 99 $ 584 Acquisition PCD reserves 43 3 46 Provision for (recapture of) credit losses (22) 23 1 2 (1) 1 44 (24) 20 7 9 16 Ending balance $ 608 $ 74 $ 682 $ 535 $ 111 $ 646 $ 608 $ 74 $ 682 $ 535 $ 111 $ 646 Allowance for credit losses at September 30 (b) $ 3,669 $ 1,594 $ 5,263 $ 4,138 $ 1,863 $ 6,001 $ 3,669 $ 1,594 $ 5,263 $ 4,138 $ 1,863 $ 6,001 (a) See Note 9 Commitments for additional information about the underlying commitments related to this allowance. (b) Represents the ALLL plus allowance for unfunded lending related commitments and excludes allowances for investment securities and other financial assets, which together totaled $162 million at both September 30, 2022 and 2021.

Loan Sale and Servicing Activ_2

Loan Sale and Servicing Activities and Variable Interest Entities (Tables)	9 Months Ended
	Sep. 30, 2022
Loan Sale and Servicing Activities and Variable Interest Entities [Abstract]
Loan Sale and Servicing Activities	The following table provides our loan sale and servicing activities: Table 48: Loan Sale and Servicing Activities In millions Residential Commercial Cash Flows - Three months ended September 30, 2022 Sales of loans and related securitization activity (b) $ 1,019 $ 863 Repurchases of previously transferred loans (c) $ 49 Servicing fees (d) $ 99 $ 51 Servicing advances recovered/(funded), net $ 11 $ 11 Cash flows on mortgage-backed securities held (e) $ 797 $ 15 Cash Flows - Three months ended September 30, 2021 Sales of loans and related securitization activity (b) $ 2,475 $ 881 Repurchases of previously transferred loans (c) $ 45 $ 103 Servicing fees (d) $ 105 $ 43 Servicing advances recovered/(funded), net $ (4) $ 28 Cash flows on mortgage-backed securities held (e) $ 2,041 $ 18 Cash Flows - Nine months ended September 30, 2022 Sales of loans and related securitization activity (b) $ 4,367 $ 2,702 Repurchases of previously transferred loans (c) $ 154 $ 27 Servicing fees (d) $ 283 $ 140 Servicing advances recovered/(funded), net $ 44 $ 15 Cash flows on mortgage-backed securities held (e) $ 3,122 $ 43 Cash Flows - Nine months ended September 30, 2021 Sales of loans and related securitization activity (b) $ 5,997 $ 2,604 Repurchases of previously transferred loans (c) $ 189 $ 145 Servicing fees (d) $ 270 $ 119 Servicing advances recovered/(funded), net $ 8 $ (8) Cash flows on mortgage-backed securities held (e) $ 7,256 $ 66 (a) Represents both commercial mortgage loan transfers and servicing activities. (b) Gains/losses recognized on sales of loans were insignificant for the periods presented. (c) Includes both residential and commercial mortgage government insured or guaranteed loans eligible for repurchase through the exercise of our ROAP option, as well as residential mortgage loans repurchased due to alleged breaches of origination covenants or representations and warranties made to purchasers. (d) Includes contractually specified servicing fees, late charges and ancillary fees.
Principal Balance, Delinquent Loans (Loans 90 Days or More Past Due), and Net Charge-Offs Related to Serviced Loans	Table 49: Principal Balance, Delinquent Loans and Net Charge-offs Related to Serviced Loans For Others In millions Residential Mortgages Commercial Mortgages (a) September 30, 2022 Total principal balance $ 41,413 $ 38,457 Delinquent loans (b) $ 354 $ 1 December 31, 2021 Total principal balance $ 42,726 $ 39,551 Delinquent loans (b) $ 569 $ 42 Three months ended September 30, 2022 Net charge-offs (c) $ 1 $ 9 Three months ended September 30, 2021 Net charge-offs (c) $ 1 $ 2 Nine months ended September 30, 2022 Net charge-offs (c) $ 3 $ 12 Nine months ended September 30, 2021 Net charge-offs (c) $ 4 $ 180 (a) Represents information at the securitization level in which we have sold loans and we are the servicer for the securitization. (b) Serviced delinquent loans are 90 days or more past due or are in the process of foreclosure. (c) Net charge-offs for residential mortgages represent credit losses less recoveries distributed and as reported to investors during the period. Net charge-offs for commercial mortgages represent credit losses less recoveries distributed and as reported by the trustee for commercial mortgage-backed securitizations. Realized losses for Agency securitizations are not reflected as we do not manage the underlying real estate upon foreclosure and, as such, do not have access to loss information.
Non-Consolidated VIEs	Table 50 : Non-Consolidated VIEs In millions PNC Risk of Loss (a) Carrying Value of Assets Carrying Value of Liabilities September 30, 2022 Mortgage-backed securitizations (b) $ 20,233 $ 20,237 (c) $ 1 Tax credit investments and other 4,186 4,019 (d) 1,961 (e) Total $ 24,419 $ 24,256 $ 1,962 December 31, 2021 Mortgage-backed securitizations (b) $ 18,708 $ 18,708 (c) $ 1 Tax credit investments and other 3,865 3,893 (d) 1,798 (e) Total $ 22,573 $ 22,601 $ 1,799 (a) Represents loans, investments and other assets related to non-consolidated VIEs, net of collateral (if applicable). The risk of loss excludes any potential tax recapture associated with tax credit investments. (b) Amounts reflect involvement with securitization SPEs where we transferred to and/or service loans for an SPE and we hold securities issued by that SPE. Values disclosed in the PNC Risk of Loss column represent our maximum exposure to loss for those securities’ holdings. (c) Included in Investment securities, Mortgage servicing rights and Other assets on our Consolidated Balance Sheet. (d) Included in Investment securities, Loans, Equity investments and Other assets on our Consolidated Balance Sheet. (e) Included in Deposits and Other liabilities on our Consolidated Balance Sheet.

Goodwill and Mortgage Servici_2

Goodwill and Mortgage Servicing Rights (Tables)	9 Months Ended
	Sep. 30, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Mortgage Servicing Rights	Changes in the commercial and residential MSRs follow: Table 51: Mortgage Servicing Rights Commercial MSRs Residential MSRs In millions 2022 2021 2022 2021 January 1 $ 740 $ 569 $ 1,078 $ 673 Additions: BBVA Acquisition 35 From loans sold with servicing retained 52 61 49 61 Purchases 32 26 620 400 Changes in fair value due to: Time and payoffs (a) (130) (87) (178) (242) Other (b) 438 134 505 203 September 30 $ 1,132 $ 703 $ 2,074 $ 1,130 Related unpaid principal balance at September 30 $ 281,931 $ 263,862 $ 169,678 $ 139,154 Servicing advances at September 30 $ 448 $ 445 $ 132 $ 139 (a) Represents decrease in MSR value due to passage of time, including the impact from both regularly scheduled loan principal payments and loans that were paid down or paid off during the period. (b) Represents MSR value changes resulting primarily from market-driven changes in interest rates.
Commercial Mortgage Loan Servicing Assets - Key Valuation Assumptions	The following tables set forth the fair value of commercial and residential MSRs and the sensitivity analysis of the hypothetical effect on the fair value of MSRs to immediate adverse changes of 10% and 20% in those assumptions. Table 52: Commercial Mortgage Servicing Rights – Key Valuation Assumptions Dollars in millions September 30 December 31 Fair value $ 1,132 $ 740 Weighted-average life (years) 4.1 4.2 Weighted-average constant prepayment rate 4.25 % 5.49 % Decline in fair value from 10% adverse change $ 8 $ 12 Decline in fair value from 20% adverse change $ 16 $ 21 Effective discount rate 9.73 % 7.75 % Decline in fair value from 10% adverse change $ 35 $ 20 Decline in fair value from 20% adverse change $ 69 $ 40
Residential Mortgage Loan Servicing Assets - Key Valuation Assumptions	The following tables set forth the fair value of commercial and residential MSRs and the sensitivity analysis of the hypothetical effect on the fair value of MSRs to immediate adverse changes of 10% and 20% in those assumptions. Table 53: Residential Mortgage Servicing Rights – Key Valuation Assumptions Dollars in millions September 30 December 31 Fair value $ 2,074 $ 1,078 Weighted-average life (years) 7.9 5.7 Weighted-average constant prepayment rate 6.76 % 12.63 % Decline in fair value from 10% adverse change $ 49 $ 46 Decline in fair value from 20% adverse change $ 95 $ 89 Weighted-average option adjusted spread 759 bps 857 bps Decline in fair value from 10% adverse change $ 60 $ 31 Decline in fair value from 20% adverse change $ 117 $ 60

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2022
Leases [Abstract]
Components of Lease Income	Table 54: Lessor Income Three months ended Nine months ended In millions 2022 2021 2022 2021 Sales-type and direct financing leases (a) $ 61 $ 61 $ 177 $ 184 Operating leases (b) 15 18 48 58 Lease income $ 76 $ 79 $ 225 $ 242 (a) Included in Loans interest income on the Consolidated Income Statement. (b) Included in Lending and deposit services on the Consolidated Income Statement.
Sales-type Lease, Lease Income	Table 54: Lessor Income Three months ended Nine months ended In millions 2022 2021 2022 2021 Sales-type and direct financing leases (a) $ 61 $ 61 $ 177 $ 184 Operating leases (b) 15 18 48 58 Lease income $ 76 $ 79 $ 225 $ 242 (a) Included in Loans interest income on the Consolidated Income Statement. (b) Included in Lending and deposit services on the Consolidated Income Statement.
Direct Financing Lease, Lease Income	Table 54: Lessor Income Three months ended Nine months ended In millions 2022 2021 2022 2021 Sales-type and direct financing leases (a) $ 61 $ 61 $ 177 $ 184 Operating leases (b) 15 18 48 58 Lease income $ 76 $ 79 $ 225 $ 242 (a) Included in Loans interest income on the Consolidated Income Statement. (b) Included in Lending and deposit services on the Consolidated Income Statement.

Borrowed Funds (Tables)

Borrowed Funds (Tables)	9 Months Ended
	Sep. 30, 2022
Debt Disclosure [Abstract]
Total Borrowed Funds	The following table shows the carrying value of total borrowed funds of $54.6 billion at September 30, 2022 (including adjustments related to accounting hedges and unamortized original issuance discounts) by remaining contractual maturity: Table 55: Borrowed Funds In billions Less than 1 year $ 5.9 1 to 2 years $ 8.4 2 to 3 years $ 20.5 3 to 4 years $ 9.2 4 to 5 years $ 0.7 Over 5 years $ 9.9
Contractual Rates and Maturity Dates of Borrowings	The following table presents the contractual rates and maturity dates of our FHLB borrowings, senior debt and subordinated debt as of September 30, 2022, and the carrying values as of September 30, 2022 and December 31, 2021. Table 56: FHLB Borrowings, Senior Debt and Subordinated Debt Stated Rate Maturity Carrying Value Dollars in millions 2022 2022 2022 2021 Parent Company Senior debt 1.15% - 3.50% 2022 - 2032 $ 8,296 $ 10,369 Subordinated debt 3.90% - 4.63% 2024 - 2033 1,520 777 Junior subordinated debt 3.65 % 2028 206 205 Subtotal 10,022 11,351 Bank Federal Home Loan Bank borrowings (a) 3.14% - 3.38% 2023 - 2026 30,075 Senior debt 2.50% - 3.50% 2023 - 2043 5,061 10,292 Subordinated debt 2.70% - 5.90% 2022 - 2029 5,560 6,014 Subtotal 40,696 16,306 Total $ 50,718 $ 27,657 (a) FHLB borrowings are generally collateralized by residential mortgage loans, other mortgage-related loans and investment securities.

Commitments (Tables)

Commitments (Tables)	9 Months Ended
	Sep. 30, 2022
Commitments and Guarantees [Abstract]
Commitments to Extend Credit and Other Commitments	Table 57: Commitments to Extend Credit and Other Commitments In millions September 30 December 31 Commitments to extend credit Commercial $ 190,761 $ 176,248 Home equity 21,674 19,410 Credit card 33,142 32,499 Other 7,884 9,081 Total commitments to extend credit 253,461 237,238 Net outstanding standby letters of credit (a) 9,987 9,303 Standby bond purchase agreements (b) 1,317 1,268 Other commitments (c) 3,533 3,045 Total commitments to extend credit and other commitments $ 268,298 $ 250,854 (a) Net outstanding standby letters of credit include $3.8 billion and $3.3 billion at September 30, 2022 and December 31, 2021, respectively, which support remarketing programs. (b) We enter into standby bond purchase agreements to support municipal bond obligations.

Total Equity and Other Compre_2

Total Equity and Other Comprehensive Income (Tables)	9 Months Ended
	Sep. 30, 2022
Other Comprehensive Income [Abstract]
Rollforward of Total Equity	Activity in total equity for the three and nine months ended September 30, 2022 and 2021 is as follows: Table 58: Rollforward of Total Equity Shareholders’ Equity In millions Shares Common Capital Capital Retained Accumulated Treasury Non- Total Equity Three months ended Balance at June 30, 2021 (a) 425 $ 2,713 $ 3,519 $ 12,409 $ 48,663 $ 1,463 $ (14,140) $ 58 $ 54,685 Net income 1,474 16 1,490 Other comprehensive income (loss), net of tax (384) (384) Cash dividends declared - Common (538) (538) Cash dividends declared - Preferred (57) (57) Preferred stock discount accretion 1 (1) Preferred stock issuance (b) 1,489 1,489 Treasury stock activity (2) 5 (387) (382) Other 30 (36) (6) Balance at September 30, 2021 (a) 423 $ 2,713 $ 5,009 $ 12,444 $ 49,541 $ 1,079 $ (14,527) $ 38 $ 56,297 Balance at June 30, 2022 (a) 411 $ 2,714 $ 6,004 $ 12,527 $ 51,841 $ (8,358) $ (17,076) $ 36 $ 47,688 Net income 1,624 16 1,640 Other comprehensive income (loss), net of tax (2,128) (2,128) Cash dividends declared - Common (622) (622) Cash dividends declared - Preferred (65) (65) Preferred stock discount accretion 1 (1) Preferred stock issuance (c) 1,239 1,239 Treasury stock activity (7) 6 (1,051) (1,045) Other 33 (17) 16 Balance at September 30, 2022 (a) 404 $ 2,714 $ 7,244 $ 12,566 $ 52,777 $ (10,486) $ (18,127) $ 35 $ 46,723 Nine months ended Balance at December 31, 2020 (a) 424 $ 2,713 $ 3,517 $ 12,367 $ 46,848 $ 2,770 $ (14,205) $ 31 $ 54,041 Net income 4,381 38 4,419 Other comprehensive income (loss), net of tax (1,691) (1,691) Cash dividends declared - Common (1,523) (1,523) Cash dividends declared - Preferred (162) (162) Preferred stock discount accretion 3 (3) Preferred stock issuance (b) 1,489 1,489 Common stock activity 12 12 Treasury stock activity (1) 78 (322) (244) Other (13) (31) (44) Balance at September 30, 2021 (a) 423 $ 2,713 $ 5,009 $ 12,444 $ 49,541 $ 1,079 $ (14,527) $ 38 $ 56,297 Balance at December 31, 2021 (a) 420 $ 2,713 $ 5,009 $ 12,448 $ 50,228 $ 409 $ (15,112) $ 31 $ 55,726 Net income 4,513 52 4,565 Other comprehensive income (loss), net of tax (10,895) (10,895) Cash dividends declared - Common (1,779) (1,779) Cash dividends declared - Preferred (181) (181) Preferred stock discount accretion 4 (4) Preferred stock issuance (c) (d) 2,231 2,231 Common stock activity 1 14 15 Treasury stock activity (16) 56 (3,015) (2,959) Other 48 (48) Balance at September 30, 2022 (a) 404 $ 2,714 $ 7,244 $ 12,566 $ 52,777 $ (10,486) $ (18,127) $ 35 $ 46,723 (a) The par value of our preferred stock outstanding was less than $0.5 million at each date and, therefore, is excluded from this presentation. (b) On September 13, 2021, PNC issued 1,500,000 depositary shares each representing 1/100th ownership in a share of 3.400% fixed-rate reset non-cumulative perpetual preferred stock, Series T, with a par value of $1 per share. (c) On August 19, 2022, PNC issued 1,250,000 depositary shares each representing 1/100th ownership in a share of 6.200% fixed-rate reset non-cumulative perpetual preferred stock, Series V, with a par value of $1 per share. (d) On April 26, 2022, PNC issued 1,000,000 depositary shares each representing 1/100th ownership in a share of 6.000% fixed-rate reset non-cumulative perpetual preferred stock, Series U, with a par value of $1 per share. .
Other Comprehensive Income (Loss)	Details of other comprehensive income (loss) are as follows: Table 59: Other Comprehensive Income (Loss) Three months ended September 30 Nine months ended September 30 2022 2021 2022 2021 In millions Pre-tax Tax effect After- Pre-tax Tax effect After-tax Pre-tax Tax effect After-tax Pre-tax Tax effect After-tax Debt securities Net unrealized gains (losses) on securities $ (1,998) $ 471 $ (1,527) $ (320) $ 76 $ (244) $ (11,245) $ 2,650 $ (8,595) $ (1,446) $ 341 $ (1,105) Less: Net realized gains (losses) reclassified to (260) 61 (199) 3 (1) 2 (477) 112 (365) 25 (6) 19 Net change (1,738) 410 (1,328) (323) 77 (246) (10,768) 2,538 (8,230) (1,471) 347 (1,124) Cash flow hedge derivatives Net unrealized gains (losses) on cash flow hedge derivatives (1,154) 272 (882) (59) 14 (45) (3,486) 821 (2,665) (369) 87 (282) Less: Net realized gains (losses) reclassified to earnings (a) (129) 30 (99) 115 (27) 88 (2) (2) 358 (84) 274 Net change (1,025) 242 (783) (174) 41 (133) (3,484) 821 (2,663) (727) 171 (556) Pension and other postretirement benefit plan adjustments Net pension and other postretirement benefit plan activity and other reclassified to earnings (b) 2 (1) 1 2 2 64 (16) 48 (11) 3 (8) Net change 2 (1) 1 2 2 64 (16) 48 (11) 3 (8) Other Net unrealized gains (losses) on other transactions 4 (22) (18) 1 (8) (7) (3) (47) (50) 2 (5) (3) Net change 4 (22) (18) 1 (8) (7) (3) (47) (50) 2 (5) (3) Total other comprehensive income (loss) $ (2,757) $ 629 $ (2,128) $ (494) $ 110 $ (384) $ (14,191) $ 3,296 $ (10,895) $ (2,207) $ 516 $ (1,691) (a) Reclassifications for pre-tax debt securities and cash flow hedges are recorded in Interest income and Noninterest income on the Consolidated Income Statement. (b) Reclassifications include amortization of actuarial losses (gains) and amortization of prior period services costs (credits) which are recorded in noninterest expense on the Consolidated Income Statement.
Accumulated Other Comprehensive Income (Loss) Components	Table 60: Accumulated Other Comprehensive Income (Loss) Components In millions, after-tax Debt securities Cash flow hedge derivatives Pension and other postretirement benefit plan adjustments Other Total Three months ended Balance at June 30, 2021 $ 1,584 $ 236 $ (355) $ (2) $ 1,463 Net activity (246) (133) 2 (7) (384) Balance at September 30, 2021 $ 1,338 $ 103 $ (353) $ (9) $ 1,079 Balance at June 30, 2022 $ (6,313) $ (2,081) $ 74 $ (38) $ (8,358) Net activity (1,328) (783) 1 (18) (2,128) Balance at September 30, 2022 (a) $ (7,641) $ (2,864) $ 75 $ (56) $ (10,486) Nine months ended Balance at December 31, 2020 $ 2,462 $ 659 $ (345) $ (6) $ 2,770 Net activity (1,124) (556) (8) (3) (1,691) Balance at September 30, 2021 $ 1,338 $ 103 $ (353) $ (9) $ 1,079 Balance at December 31, 2021 $ 589 $ (201) $ 27 $ (6) $ 409 Net activity (8,230) (2,663) 48 (50) (10,895) Balance at September 30, 2022 (a) $ (7,641) $ (2,864) $ 75 $ (56) $ (10,486) (a) At September 30, 2022, AOCI included pretax losses of $132 million from derivatives that hedged the purchase of investment securities classified as held to maturity.
Dividends Per Share	The following table provides the dividends per share for PNC's common and preferred stock: Table 61: Dividends Per Share (a) Three months ended September 30 Nine months ended September 30 2022 2021 2022 2021 Common Stock $ 1.50 $ 1.25 $ 4.25 $ 3.55 Preferred Stock Series B $ 0.45 $ 0.45 $ 1.35 $ 1.35 Series O $ 1,269 $ 3,375 $ 3,230 $ 6,750 Series P $ 1,368 $ 1,531 $ 4,431 $ 4,594 Series R $ 2,425 $ 2,425 Series S $ 2,500 $ 2,500 Series T $ 850 $ 2,550 Series U $ 1,817 $ 1,817 (a) Dividends are payable quarterly other than Series R and Series S preferred stock, which are payable semiannually. On August 19, 2022, PNC issued 1,250,000 depositary shares each representing 1/100th ownership in a share of 6.200% fixed-rate reset non-cumulative perpetual preferred stock, Series V, with a par value of $1 per share. Beginning on December 15, 2022, dividends will be paid on the Series V on a quarterly basis (March 15, June 15, September 15, and December 15 of each year).

Earnings per Share (Tables)

Earnings per Share (Tables)	9 Months Ended
	Sep. 30, 2022
Earnings Per Share [Abstract]
Basic and Diluted Earnings Per Common Share	Table 62: Basic and Diluted Earnings Per Common Share Three months ended September 30 Nine months ended September 30 In millions, except per share data 2022 2021 2022 2021 Basic Net income $ 1,640 $ 1,490 $ 4,565 $ 4,419 Less: Net income attributable to noncontrolling interests 16 16 52 38 Preferred stock dividends 65 57 181 162 Preferred stock discount accretion and redemptions 1 1 4 3 Net income attributable to common shareholders 1,558 1,416 4,328 4,216 Less: Dividends and undistributed earnings allocated to nonvested restricted 8 8 21 21 Net income attributable to basic common shareholders $ 1,550 $ 1,408 $ 4,307 $ 4,195 Basic weighted-average common shares outstanding 410 426 414 426 Basic earnings per common share (a) $ 3.78 $ 3.31 $ 10.39 $ 9.84 Diluted Net income attributable to diluted common shareholders $ 1,550 $ 1,408 $ 4,307 $ 4,195 Basic weighted-average common shares outstanding 410 426 414 426 Dilutive potential common shares 1 1 Diluted weighted-average common shares outstanding 410 426 415 427 Diluted earnings per common share (a) $ 3.78 $ 3.30 $ 10.39 $ 9.83 (a) Basic and diluted earnings per share under the two-class method are determined on net income reported on the income statement less earnings allocated to nonvested restricted shares and restricted share units with nonforfeitable dividends and dividend rights (participating securities).

Fair Value (Tables)

Fair Value (Tables)	9 Months Ended
	Sep. 30, 2022
Fair Value [Abstract]
Fair Value Measurements - Recurring Basis Summary	The following table summarizes our assets and liabilities measured at fair value on a recurring basis, including instruments for which we have elected the fair value option. Table 63: Fair Value Measurements – Recurring Basis Summary September 30, 2022 December 31, 2021 In millions Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Assets Residential mortgage loans held for sale $ 719 $ 116 $ 835 $ 1,221 $ 81 $ 1,302 Commercial mortgage loans held for sale 200 35 235 526 49 575 Securities available for sale U.S. Treasury and government agencies $ 9,938 280 10,218 $ 41,873 4,291 46,164 Residential mortgage-backed Agency 28,388 28,388 67,632 67,632 Non-agency 871 871 61 1,097 1,158 Commercial mortgage-backed Agency 1,755 1,755 1,773 1,773 Non-agency 1,300 3 1,303 3,433 3 3,436 Asset-backed 5 127 132 6,246 163 6,409 Other 3,062 69 3,131 4,895 69 4,964 Total securities available for sale 9,938 34,790 1,070 45,798 41,873 88,331 1,332 131,536 Loans 503 775 1,278 617 884 1,501 Equity investments (a) 1,074 1,795 3,050 1,373 1,680 3,231 Residential mortgage servicing rights 2,074 2,074 1,078 1,078 Commercial mortgage servicing rights 1,132 1,132 740 740 Trading securities (b) 934 1,673 2,607 250 1,601 1,851 Financial derivatives (b) (c) 3 5,857 8 5,868 5 5,109 38 5,152 Other assets 337 101 438 404 114 518 Total assets (d) $ 12,286 $ 43,843 $ 7,005 $ 63,315 $ 43,905 $ 97,519 $ 5,882 $ 147,484 Liabilities Other borrowed funds $ 1,408 $ 203 $ 2 $ 1,613 $ 725 $ 45 $ 3 $ 773 Financial derivatives (c) (e) 3 9,614 120 9,737 3,285 285 3,570 Other liabilities 269 269 175 175 Total liabilities (f) $ 1,411 $ 9,817 $ 391 $ 11,619 $ 725 $ 3,330 $ 463 $ 4,518 (a) Certain investments that are measured at fair value using the net asset value per share (or its equivalent) practical expedient have not been classified in the fair value hierarchy. (b) Included in Other assets on the Consolidated Balance Sheet. (c) Amounts at September 30, 2022 and December 31, 2021 are presented gross and are not reduced by the impact of legally enforceable master netting agreements that allow us to net positive and negative positions and cash collateral held or placed with the same counterparty. See Note 13 Financial Derivatives for additional information related to derivative offsetting. (d) Total assets at fair value as a percentage of total consolidated assets was 11% and 26% as of September 30, 2022 and December 31, 2021, respectively. Level 3 assets as a percentage of total assets at fair value was 11% and 4% at September 30, 2022 and December 31, 2021, respectively. Level 3 assets as a percentage of total consolidated assets was 1% at both September 30, 2022 and December 31, 2021. (e) Included in Other liabilities on the Consolidated Balance Sheet.
Reconciliation of Level 3 Assets and Liabilities	Reconciliations of assets and liabilities measured at fair value on a recurring basis using Level 3 inputs for the three and nine months ended September 30, 2022 and 2021 follow: Table 64: Reconciliation of Level 3 Assets and Liabilities Three Months Ended September 30, 2022 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Value June 30, 2022 Included in Included Purchases Sales Issuances Settlements Transfers Transfers Fair Assets Residential mortgage $ 83 $ (4) $ 46 $ (1) $ (2) $ 8 $ (14) (d) $ 116 $ (4) Commercial mortgage 38 (3) 35 Securities available for sale Residential mortgage- 925 4 $ (18) (40) 871 Commercial mortgage- 3 3 Asset-backed 138 (5) (6) 127 Other 67 2 69 Total securities 1,133 4 (21) (46) 1,070 Loans 804 (1) 11 (2) (35) (2) (d) 775 Equity investments 1,867 167 69 (308) 1,795 65 Residential mortgage 1,620 135 363 $ 11 (55) 2,074 135 Commercial mortgage 988 176 7 17 (56) 1,132 176 Financial derivatives 13 4 1 (10) 8 7 Total assets $ 6,546 $ 481 $ (21) $ 497 $ (311) $ 28 $ (207) $ 8 $ (16) $ 7,005 $ 379 Liabilities Other borrowed funds $ 3 $ (1) $ 2 Financial derivatives 213 $ (11) $ 4 (86) 120 $ (7) Other liabilities 182 26 $ 32 $ 362 (333) 269 24 Total liabilities $ 398 $ 15 $ 32 $ 4 $ 362 $ (420) $ 391 $ 17 Net gains (losses) $ 466 (e) $ 362 (f) (Continued from previous page) Three Months Ended September 30, 2021 Total realized / unrealized Unrealized gains/losses for the period on assets and liabilities held on Consolidated Balance Sheet at Sept. 30, 2021 Level 3 Instruments Only Fair Value June 30, 2021 Included in Earnings Included in Other comprehensive income (b) Purchases Sales Issuances Settlements Transfers into Level 3 Transfers out of Level 3 Impact from BBVA Acquisition Fair Value Sept. 30, 2021 Assets Residential mortgage $ 119 $ (1) $ 5 $ (29) $ (6) $ 4 $ (6) (d) $ 86 $ (1) Commercial mortgage 52 (1) 51 Other consumer loans held for sale 239 (256) $ 17 Securities available for sale Residential mortgage- 1,237 10 $ (2) (77) 1,168 Commercial mortgage-backed non-agency 11 (8) 3 Asset-backed 175 1 5 (9) 172 Other 73 2 (9) 3 69 Total securities 1,496 11 (5) 2 (9) (83) 1,412 Loans 979 12 14 (6) (58) (5) (d) 936 12 Equity investments 1,540 265 158 (433) 1,530 95 Residential mortgage 1,111 49 28 $ 24 (82) 1,130 49 Commercial mortgage 682 24 5 22 (30) 703 24 Financial derivatives 87 23 1 (55) 56 39 Total assets $ 6,305 $ 382 $ (5) $ 213 $ (733) $ 46 $ (314) $ 4 $ (11) $ 17 $ 5,904 $ 218 Liabilities Other borrowed funds $ 2 $ 3 $ (1) $ 4 Financial derivatives 200 $ 165 $ 3 (37) 331 $ 171 Other liabilities 124 45 4 (6) 167 44 Total liabilities $ 326 $ 210 $ 3 $ 7 $ (44) $ 502 $ 215 Net gains (losses) $ 172 (e) $ 3 (f) (Continued from previous page) Nine Months Ended September 30, 2022 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Included in Included Purchases Sales Issuances Settlements Transfers Transfers Fair Assets Residential mortgage $ 81 $ (6) $ 91 $ (33) $ (11) $ 22 $ (28) (d) $ 116 $ (6) Commercial mortgage 49 (4) (10) 35 (4) Securities available for sale Residential mortgage- 1,097 19 $ (84) (161) 871 Commercial mortgage- 3 3 Asset-backed 163 1 (18) (19) 127 Other 69 3 (3) 69 Total securities 1,332 20 (102) 3 (183) 1,070 Loans 884 20 31 (10) (132) (18) (d) 775 20 Equity investments 1,680 312 185 (382) 1,795 211 Residential mortgage 1,078 505 620 $ 49 (178) 2,074 506 Commercial mortgage 740 438 32 52 (130) 1,132 438 Financial derivatives 38 (2) 4 (32) 8 18 Total assets $ 5,882 $ 1,283 $ (102) $ 966 $ (425) $ 101 $ (676) $ 22 $ (46) $ 7,005 $ 1,183 Liabilities Other borrowed funds $ 3 $ 4 $ (5) $ 2 Financial derivatives 285 $ 12 $ 10 (187) 120 $ 22 Other liabilities 175 47 $ 32 604 (589) 269 39 Total liabilities $ 463 $ 59 $ 32 $ 10 $ 608 $ (781) $ 391 $ 61 Net gains (losses) $ 1,224 (e) $ 1,122 (f) (Continued from previous page) Nine Months Ended September 30, 2021 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Included in Included Purchases Sales Issuances Settlements Transfers Transfers Impact from BBVA Acquisition Fair Value Sept. 30, 2021 Assets Residential mortgage $ 163 $ (1) $ 43 $ (81) $ (34) $ 12 $ (16) (d) $ 86 $ (1) Commercial mortgage 57 (1) (6) 1 51 1 Other consumer loans held for sale (256) $ 256 Securities available for sale Residential mortgage- 1,365 30 $ 14 (241) 1,168 Commercial mortgage- 11 (8) 3 Asset-backed 199 2 10 (39) 172 Other 72 1 5 (9) 69 Total securities 1,647 32 17 5 (9) (280) 1,412 Loans 647 32 111 (12) (121) (13) (d) 292 936 32 Equity investments 1,263 489 290 (512) 1,530 294 Residential mortgage 673 203 400 $ 61 (242) 35 1,130 203 Commercial mortgage 569 134 26 61 (87) 703 134 Financial derivatives 118 69 4 (140) 5 56 87 Total assets $ 5,137 $ 957 $ 17 $ 879 $ (876) $ 122 $ (903) $ 12 $ (29) $ 588 $ 5,904 $ 750 Liabilities Other borrowed funds $ 2 $ 4 $ (2) $ 4 Financial derivatives 273 $ 155 $ 6 (110) $ 7 331 $ 156 Other liabilities 43 108 321 (305) 167 81 Total liabilities $ 318 $ 263 $ 6 $ 325 $ (417) $ 7 $ 502 $ 237 Net gains (losses) $ 694 (e) $ 513 (f) (a) Losses for assets are bracketed while losses for liabilities are not. (b) The difference in unrealized gains and losses for the period included in Other comprehensive income and changes in unrealized gains and losses for the period included in Other comprehensive income for securities available for sale held at the end of the reporting period were insignificant. (c) The amount of the total gains or losses for the period included in earnings that is attributable to the change in unrealized gains or losses related to those assets and liabilities held at the end of the reporting period. (d) Residential mortgage loan transfers out of Level 3 are primarily driven by residential mortgage loans transferring to OREO as well as reclassification of mortgage loans held for sale to held for investment. (e) Net gains (losses) realized and unrealized included in earnings related to Level 3 assets and liabilities included amortization and accretion. The amortization and accretion amounts were included in Interest income on the Consolidated Income Statement and the remaining net gains (losses) realized and unrealized were included in Noninterest income on the Consolidated Income Statement. (f) Net unrealized gains (losses) related to assets and liabilities held at the end of the reporting period were included in Noninterest income on the Consolidated Income Statement.
Fair Value Measurements - Recurring Quantitative Information	Quantitative information about the significant unobservable inputs within Level 3 recurring assets and liabilities follows: Table 65: Fair Value Measurements – Recurring Quantitative Information September 30, 2022 Level 3 Instruments Only Fair Value Valuation Techniques Unobservable Inputs Range (Weighted-Average) (a) Commercial mortgage loans held for sale $ 35 Discounted cash flow Spread over the benchmark curve (b) 580bps - 3,665bps (1,004bps) Residential mortgage-backed 871 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 27.9% (10.1%) Constant default rate 0.0% - 13.0% (4.1%) Loss severity 15.0% - 80.0% (46.1%) Spread over the benchmark curve (b) 233bps weighted-average Asset-backed securities 127 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 40.0% (9.0%) Constant default rate 0.0% - 7.3% (2.2%) Loss severity 15.0% - 100.0% (48.5%) Spread over the benchmark curve (b) 314bps weighted-average Loans - Residential real estate 576 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (68.2%) Loss severity 0.0% - 100.0% (6.0%) Discount rate 5.5% - 7.5% (5.9%) Loans - Residential real estate 70 Discounted cash flow Loss severity 6.0% weighted-average Discount rate 7.2% weighted-average Loans - Home equity 25 Consensus pricing (c) Cumulative default rate 3.6% -100.0% (74.3%) Loss severity 0.0% - 100.0% (18.2%) Discount rate 5.5% - 7.5% (6.6%) Loans - Home equity 104 Consensus pricing (c) Credit and liquidity discount 0.4% - 100.0% (45.7%) Equity investments 1,795 Multiple of adjusted earnings Multiple of earnings 5.0x - 86.6x (9.8x) Residential mortgage servicing rights 2,074 Discounted cash flow Constant prepayment rate 0.0% - 35.6% (6.8%) Spread over the benchmark curve (b) 254bps - 1,656bps (759bps) Commercial mortgage servicing rights 1,132 Discounted cash flow Constant prepayment rate 3.9% - 10.0% (4.2%) Discount rate 7.7% - 10.1% (9.7%) Financial derivatives - Swaps related to (100) Discounted cash flow Estimated conversion factor of Visa Class B shares into Class A shares 160.6% weighted-average Estimated annual growth rate of Visa Class A share price 16.0% Estimated length of litigation resolution date Q2 2023 Insignificant Level 3 assets, net of (95) Total Level 3 assets, net of liabilities (e) $ 6,614 (Continued from previous page) December 31, 2021 Level 3 Instruments Only Fair Value Valuation Techniques Unobservable Inputs Range (Weighted-Average) (a) Commercial mortgage loans held for sale $ 49 Discounted cash flow Spread over the benchmark curve (b) 555bps - 15,990bps (9,996bps) Residential mortgage-backed 1,097 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 30.7% (11.3%) Constant default rate 0.0% - 16.9% (4.6%) Loss severity 20.0% - 96.4% (47.6%) Spread over the benchmark curve (b) 163bps weighted-average Asset-backed securities 163 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% -40.0% (11.1%) Constant default rate 1.4% - 20.0% (3.2%) Loss severity 8.0% - 100.0% (57.4%) Spread over the benchmark curve (b) 182bps weighted-average Loans - Residential real estate 622 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (74.2%) Loss severity 0.0% - 100.0% (6.9%) Discount rate 4.8% - 6.8% (5.2%) Loans - Residential real estate 109 Discounted cash flow Loss severity 6.0% weighted-average Discount rate 3.5% weighted-average Loans - Home equity 28 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (75.8%) Loss severity 0.0% - 98.4% (17.7%) Discount rate 4.8% - 6.8% (6.0%) Loans - Home equity 125 Consensus pricing (c) Credit and Liquidity discount 0.5% - 100.0% (47.3%) Equity investments 1,680 Multiple of adjusted earnings Multiple of earnings 5.0x - 14.4x (8.8x) Residential mortgage servicing rights 1,078 Discounted cash flow Constant prepayment rate 0.0% - 41.0% (12.6%) Spread over the benchmark curve (b) 249bps - 2,218bps (857bps) Commercial mortgage servicing rights 740 Discounted cash flow Constant prepayment rate 5.0% - 15.5% (5.5%) Discount rate 5.4% - 8.0% (7.8%) Financial derivatives - Swaps related to (277) Discounted cash flow Estimated conversion factor of Visa Class B shares into Class A shares 161.8% weighted-average Estimated annual growth rate of Visa Class A share price 16.0% Estimated length of litigation Q2 2023 Insignificant Level 3 assets, net of 5 Total Level 3 assets, net of liabilities (e) $ 5,419 (a) Unobservable inputs were weighted by the relative fair value of the instruments. (b) The assumed yield spread over the benchmark curve for each instrument is generally intended to incorporate non-interest rate risks, such as credit and liquidity risks. (c) Consensus pricing refers to fair value estimates that are generally internally developed using information such as dealer quotes or other third-party provided valuations or comparable asset prices. (d) Represents the aggregate amount of Level 3 assets and liabilities measured at fair value on a recurring basis that are individually and in the aggregate insignificant. The amount includes certain financial derivative assets and liabilities, trading securities, other securities, residential mortgage loans held for sale, other assets, other borrowed funds and other liabilities.
Fair Value Measurements - Nonrecurring	Assets measured at fair value on a nonrecurring basis follow: Table 66: Fair Value Measurements – Nonrecurring (a) (b) (c) Fair Value Gains (Losses) Gains (Losses) In millions September 30 December 31 September 30 September 30 September 30 September 30 Assets Nonaccrual loans $ 211 $ 348 $ (111) $ (3) $ (145) $ (3) Equity investments 30 Loans held for sale (1) (18) OREO and foreclosed assets 9 6 Long-lived assets 3 103 (1) (6) (5) (17) Total assets $ 253 $ 457 $ (112) $ (10) $ (150) $ (38) (a) All Level 3 for the periods presented. (b) Valuation techniques applied were fair value of property or collateral. (c) Unobservable inputs used were appraised value/sales price, broker opinions or projected income/required improvement costs. Additional quantitative information was not meaningful for the periods presented.
Fair Value Option - Fair Value and Principal Balances	Fair values and aggregate unpaid principal balances of certain items for which we elected the fair value option follow: Table 67: Fair Value Option – Fair Value and Principal Balances September 30, 2022 December 31, 2021 In millions Fair Value Aggregate Unpaid Difference Fair Value Aggregate Unpaid Difference Assets Residential mortgage loans held for sale Accruing loans less than 90 days past due $ 769 $ 794 $ (25) $ 1,249 $ 1,219 $ 30 Accruing loans 90 days or more past due 8 8 6 6 Nonaccrual loans 58 70 (12) 47 57 (10) Total $ 835 $ 872 $ (37) $ 1,302 $ 1,282 $ 20 Commercial mortgage loans held for sale (a) Accruing loans less than 90 days past due $ 218 $ 222 $ (4) $ 575 $ 580 $ (5) Nonaccrual loans 17 45 (28) Total $ 235 $ 267 $ (32) $ 575 $ 580 $ (5) Loans Accruing loans less than 90 days past due $ 472 $ 484 $ (12) $ 487 $ 498 $ (11) Accruing loans 90 days or more past due 152 166 (14) 262 278 (16) Nonaccrual loans 654 893 (239) 752 1,028 (276) Total $ 1,278 $ 1,543 $ (265) $ 1,501 $ 1,804 $ (303) Other assets $ 101 $ 114 $ (13) $ 105 $ 107 $ (2) Liabilities Other borrowed funds $ 20 $ 20 $ 30 $ 30 Other liabilities $ 175 $ 175 (a) There were no accruing loans 90 days or more past due within this category at September 30, 2022 or December 31, 2021.
Fair Value Option - Changes in Fair Value	The changes in fair value for items for which we elected the fair value option are as follows: Table 68: Fair Value Option – Changes in Fair Value (a) Gains (Losses) Gains (Losses) Three months ended Nine months ended September 30 September 30 September 30 September 30 In millions 2022 2021 2022 2021 Assets Residential mortgage loans held for sale $ (29) $ 47 $ (92) $ 120 Commercial mortgage loans held for sale $ 14 $ 31 $ 34 $ 77 Loans $ 1 $ 21 $ 37 $ 52 Other assets $ (3) $ 3 $ (21) $ 25 Liabilities Other liabilities $ (24) $ (40) (a) The impact on earnings of offsetting hedged items or hedging instruments is not reflected in these amounts.
Additional Fair Value Information Related to Other Financial Instruments	The following table presents the carrying amounts and estimated fair values, as well as the level within the fair value hierarchy, of all other financial instruments that are not recorded on our Consolidated Balance Sheet at fair value as of September 30, 2022 and December 31, 2021. For more information regarding the methods and assumptions used to estimate the fair values of financial instruments included in Table 69, see Note 15 Fair Value in the Notes To Consolidated Financial Statements included in Item 8 of our 2021 Form 10-K. Table 69: Additional Fair Value Information Related to Other Financial Instruments Carrying Fair Value In millions Amount Total Level 1 Level 2 Level 3 September 30, 2022 Assets Cash and due from banks $ 6,548 $ 6,548 $ 6,548 Interest-earning deposits with banks 40,278 40,278 $ 40,278 Securities held to maturity 90,660 85,189 30,614 54,431 $ 144 Net loans (excludes leases) 303,348 299,519 299,519 Other assets 6,178 6,147 6,144 3 Total assets $ 447,012 $ 437,681 $ 37,162 $ 100,853 $ 299,666 Liabilities Time deposits $ 10,034 $ 9,661 $ 9,661 Borrowed funds 52,946 52,700 50,981 $ 1,719 Unfunded lending related commitments 682 682 682 Other liabilities 551 551 551 Total liabilities $ 64,213 $ 63,594 $ 61,193 $ 2,401 December 31, 2021 Assets Cash and due from banks $ 8,004 $ 8,004 $ 8,004 Interest-earning deposits with banks 74,250 74,250 $ 74,250 Securities held to maturity 1,429 1,522 890 456 $ 176 Net loans (excludes leases) 275,874 280,498 280,498 Other assets 4,205 4,204 4,141 63 Total assets $ 363,762 $ 368,478 $ 8,894 $ 78,847 $ 280,737 Liabilities Time deposits $ 17,366 $ 17,180 $ 17,180 Borrowed funds 30,011 30,616 28,936 $ 1,680 Unfunded lending related commitments 662 662 662 Other liabilities 449 449 449 Total liabilities $ 48,488 $ 48,907 $ 46,565 $ 2,342

Financial Derivatives (Tables)

Financial Derivatives (Tables)	9 Months Ended
	Sep. 30, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Total Gross Derivatives	The following table presents the notional and gross fair value amounts of all derivative assets and liabilities held by us: Table 70: Total Gross Derivatives (a) September 30, 2022 December 31, 2021 In millions Notional / Asset Fair Liability Fair Notional / Asset Fair Liability Fair Derivatives used for hedging Interest rate contracts (d): Fair value hedges $ 22,222 $ 23,345 Cash flow hedges 41,700 $ 170 48,961 $ 15 $ 14 Foreign exchange contracts: Net investment hedges 1,343 $ 176 1 1,113 24 Total derivatives designated for hedging $ 65,265 $ 176 $ 171 $ 73,419 $ 15 $ 38 Derivatives not used for hedging Derivatives used for mortgage banking activities (e): Interest rate contracts: Swaps $ 55,098 $ 35 $ 35,623 Futures (f) 7,020 4,592 Mortgage-backed commitments 5,539 $ 170 125 9,917 $ 55 $ 31 Other 20,703 175 16 12,225 46 12 Total interest rate contracts 88,360 345 176 62,357 101 43 Derivatives used for customer-related activities: Interest rate contracts: Swaps 333,106 1,593 5,693 297,711 3,335 1,520 Futures (f) 896 907 Mortgage-backed commitments 2,119 39 16 4,147 5 6 Other 29,742 339 320 25,718 125 72 Total interest rate contracts 365,863 1,971 6,029 328,483 3,465 1,598 Commodity contracts: Swaps 7,868 2,105 2,206 8,840 1,150 1,161 Other 5,307 470 467 3,128 213 212 Total commodity contracts 13,175 2,575 2,673 11,968 1,363 1,373 Foreign exchange contracts and other 28,984 601 566 27,563 199 179 Total derivatives for customer-related activities 408,022 5,147 9,268 368,014 5,027 3,150 Derivatives used for other risk management activities: Foreign exchange contracts and other 11,930 200 122 11,512 9 339 Total derivatives not designated for hedging $ 508,312 $ 5,692 $ 9,566 $ 441,883 $ 5,137 $ 3,532 Total gross derivatives $ 573,577 $ 5,868 $ 9,737 $ 515,302 $ 5,152 $ 3,570 Less: Impact of legally enforceable master netting agreements 1,774 1,774 928 928 Less: Cash collateral received/paid 1,282 2,572 604 1,657 Total derivatives $ 2,812 $ 5,391 $ 3,620 $ 985 (a) Centrally cleared derivatives are settled in cash daily and result in no derivative asset or derivative liability being recognized on our Consolidated Balance Sheet . (b) Included in Other assets on our Consolidated Balance Sheet. (c) Included in Other liabilities on our Consolidated Balance Sheet. (d) Represents primarily swaps. (e) Includes both residential and commercial mortgage banking activities.
Schedule of Fair Value and Cash Flow Hedges	Further detail regarding gains (losses) related to our fair value and cash flow hedge derivatives is presented in the following table: Table 71: Gains (Losses) Recognized on Fair Value and Cash Flow Hedges in the Consolidated Income Statement (a) (b) Location and Amount of Gains (Losses) Recognized in Income Interest Income Interest Expense Noninterest Income In millions Loans Investment Securities Borrowed Funds Other For the three months ended September 30, 2022 Total amounts in the Consolidated Income Statement $ 3,138 $ 715 $ 317 $ 317 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ (85) $ 696 Derivatives $ 86 $ (706) Amounts related to interest settlements on derivatives $ (1) $ 1 Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (122) $ (7) For the three months ended September 30, 2021 Total amounts in the Consolidated Income Statement $ 2,437 $ 460 $ 90 $ 268 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ 2 $ 155 Derivatives $ (169) Amounts related to interest settlements on derivatives $ (1) $ 129 Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ 91 $ 11 $ 13 For the nine months ended September 30, 2022 Total amounts on the Consolidated Income Statement $ 7,935 $ 1,890 $ 542 $ 705 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ (131) $ 2,073 Derivatives $ 135 $ (2,101) Amounts related to interest settlements on derivatives $ (4) $ 185 Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (5) $ 3 For the nine months ended September 30, 2021 Total amounts on the Consolidated Income Statement $ 6,593 $ 1,350 $ 275 $ 907 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ (3) $ 695 Derivatives $ 7 $ (740) Amounts related to interest settlements on derivatives $ (3) $ 394 Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ 282 $ 49 $ 27 (a) For all periods presented, there were no components of derivative gains or losses excluded from the assessment of hedge effectiveness for any of the fair value or cash flow hedge strategies. (b) All cash flow and fair value hedge derivatives were interest rate contracts for the periods presented. (c) Includes an insignificant amount of fair value hedge adjustments related to discontinued hedge relationships.
Schedule of Fair Value Hedges	Detail regarding the impact of fair value hedge accounting on the carrying value of the hedged items is presented in the following table: Table 72: Hedged Items - Fair Value Hedges September 30, 2022 December 31, 2021 In millions Carrying Value of the Hedged Items Cumulative Fair Value Hedge Adjustment included in the Carrying Value of Hedged Items (a) Carrying Value of the Hedged Items Cumulative Fair Value Hedge Adjustment included in the Carrying Value of Hedged Items (a) Investment securities - available for sale (b) $ 2,356 $ (114) $ 2,655 $ 23 Borrowed funds $ 19,633 $ (1,411) $ 24,259 $ 663 (a) Includes less than $(0.1) billion and $(0.1) billion of fair value hedge adjustments primarily related to discontinued borrowed funds hedge relationships at September 30, 2022 and December 31, 2021, respectively. (b) Carrying value shown represents amortized cost.
Gains (Losses) on Derivatives Not Designated as Hedging Instruments under GAAP	Further detail regarding the gains (losses) on derivatives not designated in hedging relationships is presented in the following table: Table 73: Gains (Losses) on Derivatives Not Designated for Hedging Three months ended Nine months ended In millions 2022 2021 2022 2021 Derivatives used for mortgage banking activities: Interest rate contracts (a) $ (245) $ 6 $ (700) $ (100) Derivatives used for customer-related activities: Interest rate contracts 65 (4) 231 93 Foreign exchange contracts and other (2) 23 22 88 Gains (losses) from customer-related activities (b) 63 19 253 181 Derivatives used for other risk management activities: Foreign exchange contracts and other (b) 309 (72) 572 (53) Total gains (losses) from derivatives not designated as hedging instruments $ 127 $ (47) $ 125 $ 28 (a) Included in Residential and commercial mortgage noninterest income on our Consolidated Income Statement. (b) Included in Capital markets related and Other noninterest income on our Consolidated Income Statement.
Derivative Assets And Liabilities Offsetting	Table 74: Derivative Assets and Liabilities Offsetting In millions Amounts Offset on the Securities Collateral Held/Pledged Under Master Netting Agreements Gross Fair Value Cash Net Net Amounts September 30, 2022 Derivative assets Interest rate contracts: Over-the-counter cleared $ 140 $ 140 $ 140 Over-the-counter 2,176 $ 873 $ 790 513 $ 35 478 Commodity contracts 2,575 555 105 1,915 1,915 Foreign exchange and other contracts 977 346 387 244 244 Total derivative assets $ 5,868 $ 1,774 $ 1,282 $ 2,812 (a) $ 35 $ 2,777 Derivative liabilities Interest rate contracts: Over-the-counter cleared $ 244 $ 244 $ 244 Over-the-counter 6,131 $ 550 $ 1,015 4,566 $ 79 4,487 Commodity contracts 2,673 1,012 1,548 113 113 Foreign exchange and other contracts 689 212 9 468 468 Total derivative liabilities $ 9,737 $ 1,774 $ 2,572 $ 5,391 (b) $ 79 $ 5,312 December 31, 2021 Derivative assets Interest rate contracts: Over-the-counter cleared $ 20 $ 20 $ 20 Over-the-counter 3,561 $ 533 $ 593 2,435 $ 300 2,135 Commodity contracts 1,363 299 1 1,063 1,063 Foreign exchange and other contracts 208 96 10 102 102 Total derivative assets $ 5,152 $ 928 $ 604 $ 3,620 (a) $ 300 $ 3,320 Derivative liabilities Interest rate contracts: Over-the-counter cleared $ 12 $ 12 $ 12 Over-the-counter 1,643 $ 569 $ 776 298 298 Commodity contracts 1,373 291 784 298 298 Foreign exchange and other contracts 542 68 97 377 377 Total derivative liabilities $ 3,570 $ 928 $ 1,657 $ 985 (b) $ 985 (a) Represents the net amount of derivative assets included in Other assets on our Consolidated Balance Sheet. (b) Represents the net amount of derivative liabilities included in Other liabilities on our Consolidated Balance Sheet.
Credit-Risk Contingent Features	Table 75: Credit-Risk Contingent Features In billions September 30 December 31 Net derivative liabilities with credit-risk contingent features $ 7.5 $ 2.4 Collateral posted 2.7 1.8 Maximum additional amount of collateral exposure $ 4.8 $ 0.6

Segment Reporting (Tables)

Segment Reporting (Tables)	9 Months Ended
	Sep. 30, 2022
Segment Reporting [Abstract]
Results of Businesses	Table 76: Results of Businesses Three months ended September 30 Retail Banking Corporate & Asset Other Consolidated (a) 2022 Income Statement Net interest income $ 2,017 $ 1,345 $ 165 $ (52) $ 3,475 Noninterest income 725 887 231 231 2,074 Total revenue 2,742 2,232 396 179 5,549 Provision for (recapture of) credit losses 92 150 4 (5) 241 Depreciation and amortization 76 50 6 145 277 Other noninterest expense 1,825 840 268 70 3,003 Income (loss) before income taxes (benefit) and noncontrolling interests 749 1,192 118 (31) 2,028 Income taxes (benefit) 175 258 28 (73) 388 Net income 574 934 90 42 1,640 Less: Net income (loss) attributable to noncontrolling interests 14 5 (3) 16 Net income excluding noncontrolling interests $ 560 $ 929 $ 90 $ 45 $ 1,624 Average Assets $ 114,619 $ 224,984 $ 14,820 $ 192,674 $ 547,097 2021 Income Statement Net interest income $ 1,713 $ 1,241 $ 141 $ (239) $ 2,856 Noninterest income 662 1,056 256 367 2,341 Total revenue 2,375 2,297 397 128 5,197 Provision for (recapture of) credit losses (113) (99) (6) 15 (203) Depreciation and amortization 78 54 7 138 277 Other noninterest expense 1,811 926 248 325 3,310 Income (loss) before income taxes (benefit) and noncontrolling interests 599 1,416 148 (350) 1,813 Income taxes (benefit) 140 290 34 (141) 323 Net income (loss) 459 1,126 114 (209) 1,490 Less: Net income attributable to noncontrolling interests 12 3 1 16 Net income (loss) excluding noncontrolling interests $ 447 $ 1,123 $ 114 $ (210) $ 1,474 Average Assets $ 117,394 $ 202,268 $ 13,805 $ 225,775 $ 559,242 (Continued from previous page) Nine months ended September 30 Retail Corporate & Asset Other Consolidated (a) 2022 Income Statement Net interest income $ 5,210 $ 3,720 $ 456 $ (56) $ 9,330 Noninterest income 2,218 2,659 713 437 6,027 Total revenue 7,428 6,379 1,169 381 15,357 Provision for (recapture of) credit losses 66 15 11 (23) 69 Depreciation and amortization 233 153 20 437 843 Other noninterest expense 5,473 2,508 775 97 8,853 Income (loss) before income taxes (benefit) and noncontrolling interests 1,656 3,703 363 (130) 5,592 Income taxes (benefit) 389 803 85 (250) 1,027 Net income 1,267 2,900 278 120 4,565 Less: Net income (loss) attributable to noncontrolling interests 45 12 (5) 52 Net income excluding noncontrolling interests $ 1,222 $ 2,888 $ 278 $ 125 $ 4,513 Average Assets $ 113,157 $ 215,163 $ 14,360 $ 205,763 $ 548,443 2021 Income Statement Net interest income $ 4,572 $ 3,315 $ 346 $ (448) $ 7,785 Noninterest income 2,022 2,730 729 818 6,299 Total revenue 6,594 6,045 1,075 370 14,084 Provision for (recapture of) credit losses (156) (277) 8 (27) (452) Depreciation and amortization 214 152 16 385 767 Other noninterest expense 4,828 2,352 660 604 8,444 Income (loss) before income taxes (benefit) and noncontrolling interests 1,708 3,818 391 (592) 5,325 Income taxes (benefit) 396 818 91 (399) 906 Net income (loss) 1,312 3,000 300 (193) 4,419 Less: Net income attributable to noncontrolling interests 26 10 2 38 Net income (loss) excluding noncontrolling interests $ 1,286 $ 2,990 $ 300 $ (195) $ 4,381 Average Assets $ 103,820 $ 184,964 $ 11,124 $ 211,056 $ 510,964 (a) There were no material intersegment revenues for the three and nine months ended September 30, 2022 and 2021.

Fee-Based Revenue from Contra_2

Fee-Based Revenue from Contracts with Customers (Tables)	9 Months Ended
	Sep. 30, 2022
Revenue from Contract with Customer [Abstract]
Noninterest Income by Business Segment and Reconciliation to Consolidated Noninterest Income	Table 77 presents the noninterest income recognized within the scope of Topic 606 for each of our three reportable business segments' principal products and services, along with the relationship to the noninterest income revenue streams shown on our Consolidated Income Statement. For a description of the fee-based revenue and how it is recognized for each segment's principal products and services, see Note 24 Fee-based Revenue from Contracts with Customers included in Item 8 of our 2021 Form 10-K. Table 77: Noninterest Income by Business Segment and Reconciliation to Consolidated Noninterest Income Three Months Ended Three Months Ended Retail Banking Corporate & Asset Retail Banking Corporate & Asset Asset management and brokerage Asset management fees $ 224 $ 248 Brokerage fees $ 131 2 $ 123 4 Total asset management and brokerage 131 226 123 252 Card and cash management Treasury management fees 11 $ 328 15 $ 306 Debit card fees 175 184 Net credit card fees (a) 60 53 Merchant services 48 16 46 17 Other 23 30 Total card and cash management 317 344 328 323 Lending and deposit services Deposit account fees 146 158 Other 16 8 15 8 Total lending and deposit services 162 8 173 8 Residential and commercial mortgage (b) 36 36 Capital markets related 155 354 Other 11 9 Total in-scope noninterest income 610 554 226 624 730 252 Out-of-scope noninterest income (c) 115 333 5 38 326 4 Noninterest income by business segment $ 725 $ 887 $ 231 $ 662 $ 1,056 $ 256 Reconciliation to consolidated noninterest income Total in-scope business segment noninterest income $ 1,390 $ 1,606 Out-of-scope business segment noninterest income (c) 453 368 Noninterest income from other segments 231 367 Noninterest income as shown on the Consolidated Income Statement $ 2,074 $ 2,341 (Continued from previous page) Nine Months Ended Nine Months Ended Retail Banking Corporate & Asset Retail Banking Corporate & Asset Asset management and brokerage Asset management fees $ 693 $ 713 Brokerage fees $ 400 6 $ 334 6 Total asset management and brokerage 400 699 334 719 Card and cash management Treasury management fees 30 $ 957 33 $ 793 Debit card fees 513 486 Net credit card fees (a) 178 157 Merchant services 141 47 125 44 Other 73 87 Total card and cash management 935 1,004 888 837 Lending and deposit services Deposit account fees 433 406 Other 50 25 42 28 Total lending and deposit services 483 25 448 28 Residential and commercial mortgage (b) 100 102 Capital markets related 564 778 Other 33 36 Total in-scope noninterest income 1,818 1,726 699 1,670 1,781 719 Out-of-scope noninterest income (c) 400 933 14 352 949 10 Noninterest income by business segment $ 2,218 $ 2,659 $ 713 $ 2,022 $ 2,730 $ 729 Reconciliation to consolidated noninterest income Total in-scope business segment noninterest income $ 4,243 $ 4,170 Out-of-scope business segment noninterest income (c) 1,347 1,311 Noninterest income from other segments 437 818 Noninterest income as shown on the Consolidated Income Statement $ 6,027 $ 6,299 (a) Net credit card fees consists of interchange fees of $169 million and $155 million and credit card reward costs of $109 million and $102 million for the three months ended September 30, 2022 and 2021, respectively. Net credit card fees consists of interchange fees of $489 million and $421 million and credit card reward costs of $311 million and $264 million for the nine months ended September 30, 2022 and 2021, respectively. (b) Residential mortgage noninterest income falls under the scope of other accounting and disclosure requirements outside of Topic 606 and is included within the out-of-scope noninterest income line for the Retail Banking segment.

Accounting Policies (Details)

Accounting Policies (Details)	9 Months Ended
	Sep. 30, 2022 country
Accounting Policies [Abstract]
Number of countries outside the US where strategic international offices are held	4

Acquisition Activity (Narrative

Acquisition Activity (Narrative) (Details) employee in Thousands, customer in Millions, $ in Millions		3 Months Ended	9 Months Ended
	Jun. 01, 2021 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2022 USD ($) segment	Dec. 31, 2021 USD ($)	Oct. 12, 2021 state customer branch employee
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Number of customers converted | customer					2.6
Number of employees converted | employee					9
Number of branches converted | branch					600
Number of states converted | state					7
Goodwill		$ 10,987	$ 10,987	$ 10,916
Segment reporting, number of segments | segment			3
BBVA USA Bancshares, Inc.
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Business combination, consideration transferred	$ 11,500
Acquisition costs		$ 0	$ 46
Cumulative nonrecurring merger and integration costs			$ 851
Goodwill	$ 1,599

Acquisition Activity (Acquisiti

Acquisition Activity (Acquisition Consideration) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021	Jun. 01, 2021
Liabilities
Goodwill	$ 10,987	$ 10,916
BBVA USA Bancshares, Inc.
Business Acquisition [Line Items]
Fair value of acquisition consideration			$ 11,480
Assets
Cash and due from banks			969
Interest-earning deposits with banks			13,313
Loans held for sale			463
Investment securities – available for sale			18,358
Net loans			61,423
Equity investments			723
Mortgage servicing rights			35
Core deposit intangibles and other intangible assets			378
Other			3,527
Total assets			99,189
Liabilities
Deposits			85,562
Borrowed funds			2,449
Accrued expenses and other liabilities			1,275
Total liabilities			89,286
Noncontrolling interests			22
Less: Net assets			9,881
Goodwill			$ 1,599

Investment Securities (Summary)

Investment Securities (Summary) (Details) - USD ($) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	$ 50,589	$ 130,798
Securities available for sale debt securities, unrealized gains	236	1,566
Securities available for sale debt securities, unrealized losses	(5,027)	(828)
Securities available for sale debt securities, fair value	45,798	131,536
Held to maturity securities, amortized cost	90,653	1,426
Held-to-maturity securities, unrealized gains	3	103
Held-to-maturity securities, unrealized losses	(5,468)	(7)
Held-to-maturity securities, fair value	85,188	1,522
Accrued interest, held-to-maturity	211	5
Accrued interest, available-for-sale	140	322
Debt securities, available-for-sale, allowance for credit loss	133	130
Debt securities, held-to-maturity, allowance for credit loss	7	$ 3
Net unrealized losses, related to securities transferred at fair value to held to maturity at a point in time	$ 5,400
Fitch, AAA OR AA Rating | Credit Concentration Risk | Held-to-maturity Securities
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Concentration risk, percentage	99%	86%
U.S. Treasury and government agencies
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	$ 11,093	$ 46,210
Securities available for sale debt securities, unrealized gains	9	324
Securities available for sale debt securities, unrealized losses	(884)	(370)
Securities available for sale debt securities, fair value	10,218	46,164
Held to maturity securities, amortized cost	36,120	814
Held-to-maturity securities, unrealized gains	1	76
Held-to-maturity securities, unrealized losses	(1,717)
Held-to-maturity securities, fair value	34,404	890
Residential mortgage-backed | Mortgage-backed Securities Agency
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	31,993	67,326
Securities available for sale debt securities, unrealized gains	4	695
Securities available for sale debt securities, unrealized losses	(3,609)	(389)
Securities available for sale debt securities, fair value	28,388	67,632
Held to maturity securities, amortized cost	42,152
Held-to-maturity securities, unrealized gains
Held-to-maturity securities, unrealized losses	(3,391)
Held-to-maturity securities, fair value	38,761
Residential mortgage-backed | Mortgage-backed Securities Non-agency
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	725	927
Securities available for sale debt securities, unrealized gains	151	231
Securities available for sale debt securities, unrealized losses	(5)
Securities available for sale debt securities, fair value	871	1,158
Held to maturity securities, amortized cost	281
Held-to-maturity securities, unrealized losses	(23)
Held-to-maturity securities, fair value	258
Commercial mortgage-backed | Mortgage-backed Securities Agency
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	1,930	1,740
Securities available for sale debt securities, unrealized gains	1	39
Securities available for sale debt securities, unrealized losses	(176)	(6)
Securities available for sale debt securities, fair value	1,755	1,773
Held to maturity securities, amortized cost	663
Held-to-maturity securities, unrealized losses	(27)
Held-to-maturity securities, fair value	636
Commercial mortgage-backed | Mortgage-backed Securities Non-agency
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	1,363	3,423
Securities available for sale debt securities, unrealized gains	1	31
Securities available for sale debt securities, unrealized losses	(61)	(18)
Securities available for sale debt securities, fair value	1,303	3,436
Held to maturity securities, amortized cost	1,746
Held-to-maturity securities, unrealized gains	2
Held-to-maturity securities, unrealized losses	(25)
Held-to-maturity securities, fair value	1,723
Asset-backed
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	106	6,380
Securities available for sale debt securities, unrealized gains	27	60
Securities available for sale debt securities, unrealized losses	(1)	(31)
Securities available for sale debt securities, fair value	132	6,409
Held to maturity securities, amortized cost	6,565
Held-to-maturity securities, unrealized gains
Held-to-maturity securities, unrealized losses	(161)
Held-to-maturity securities, fair value	6,404
Other
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	3,379	4,792
Securities available for sale debt securities, unrealized gains	43	186
Securities available for sale debt securities, unrealized losses	(291)	(14)
Securities available for sale debt securities, fair value	3,131	4,964
Held to maturity securities, amortized cost	3,126	612
Held-to-maturity securities, unrealized gains		27
Held-to-maturity securities, unrealized losses	(124)	(7)
Held-to-maturity securities, fair value	$ 3,002	$ 632

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Schedule of Investments [Line Items]
Net unsettled investment purchases	$ 2,000	$ 2,000		$ 2,400
Transferred securities at fair value from available for sale to held to maturity	4,900	82,700
Net unrealized losses, related to securities transferred at fair value to held to maturity at a point in time	5,400	5,400
Investment securities, allowance for credit loss	140	140	$ 133
Pretax loss included in AOCI from derivatives	(132)	(132)
U.S. Treasury and government agencies
Schedule of Investments [Line Items]
Transferred securities at fair value from available for sale to held to maturity	3,300	34,000
Asset-backed
Schedule of Investments [Line Items]
Transferred securities at fair value from available for sale to held to maturity		6,300
Other
Schedule of Investments [Line Items]
Transferred securities at fair value from available for sale to held to maturity		3,400
Mortgage-backed Securities Agency | Residential mortgage-backed
Schedule of Investments [Line Items]
Transferred securities at fair value from available for sale to held to maturity	1,600	39,000
Federal National Mortgage Association Certificates and Obligations (FNMA)
Schedule of Investments [Line Items]
Debt securities amortized cost amount of debt securities exceeds 10 percent of shareholders equity	38,300	38,300
Fair value of debt securities of a single issuer that exceeds 10 percent of shareholders equity	34,600	34,600
Federal Home Loan Mortgage Corporation (FHLMC) Insured Loans
Schedule of Investments [Line Items]
Debt securities amortized cost amount of debt securities exceeds 10 percent of shareholders equity	30,700	30,700
Fair value of debt securities of a single issuer that exceeds 10 percent of shareholders equity	$ 27,900	$ 27,900

Investment Securities (Gross Un

Investment Securities (Gross Unrealized Loss and Fair Value of Securities Available for Sale Without an Allowance for Credit Losses) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months, unrealized loss	$ (4,098)	$ (790)
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months - fair value	38,715	80,895
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer, unrealized loss	(872)	(26)
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer - fair value	4,717	2,211
Debt securities, available-for-sale, unrealized loss position, accumulated loss	(4,970)	(816)
Debt securities, available-for-sale, unrealized loss position, fair value	43,432	83,106
U.S. Treasury and government agencies
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months, unrealized loss	(817)	(370)
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months - fair value	9,462	32,600
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer, unrealized loss	(67)
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer - fair value	404
Debt securities, available-for-sale, unrealized loss position, accumulated loss	(884)	(370)
Debt securities, available-for-sale, unrealized loss position, fair value	9,866	32,600
Residential mortgage-backed | Mortgage-backed Securities Agency
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months, unrealized loss	(2,874)	(369)
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months - fair value	24,373	41,521
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer, unrealized loss	(735)	(20)
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer - fair value	3,602	1,489
Debt securities, available-for-sale, unrealized loss position, accumulated loss	(3,609)	(389)
Debt securities, available-for-sale, unrealized loss position, fair value	27,975	43,010
Residential mortgage-backed | Mortgage-backed Securities Non-agency
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months, unrealized loss	(3)
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months - fair value	71
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer, unrealized loss	(1)
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer - fair value	17
Debt securities, available-for-sale, unrealized loss position, accumulated loss	(4)
Debt securities, available-for-sale, unrealized loss position, fair value	88
Commercial mortgage-backed | Mortgage-backed Securities Agency
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months, unrealized loss	(166)	(5)
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months - fair value	1,588	451
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer, unrealized loss	(10)	(1)
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer - fair value	144	60
Debt securities, available-for-sale, unrealized loss position, accumulated loss	(176)	(6)
Debt securities, available-for-sale, unrealized loss position, fair value	1,732	511
Commercial mortgage-backed | Mortgage-backed Securities Non-agency
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months, unrealized loss	(42)	(4)
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months - fair value	945	1,453
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer, unrealized loss	(7)	(3)
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer - fair value	236	474
Debt securities, available-for-sale, unrealized loss position, accumulated loss	(49)	(7)
Debt securities, available-for-sale, unrealized loss position, fair value	1,181	1,927
Asset-backed
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months, unrealized loss	(1)	(29)
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months - fair value	10	3,465
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer, unrealized loss		(2)
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer - fair value		188
Debt securities, available-for-sale, unrealized loss position, accumulated loss	(1)	(31)
Debt securities, available-for-sale, unrealized loss position, fair value	10	3,653
Other
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months, unrealized loss	(195)	(13)
Debt securities, available-for-sale, continuous unrealized loss position, less than 12 months - fair value	2,266	1,405
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer, unrealized loss	(52)
Debt securities, available-for-sale, continuous unrealized loss position, 12 months or longer - fair value	314
Debt securities, available-for-sale, unrealized loss position, accumulated loss	(247)	(13)
Debt securities, available-for-sale, unrealized loss position, fair value	$ 2,580	$ 1,405

Investment Securities (Gains (L

Investment Securities (Gains (Losses) on Sales of Securities Available for Sale) (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Investment Securities Disclosure [Abstract]
Gross Gains	$ 11	$ 275
Gross Losses	(15)	(225)
Net Gains (Losses)	(4)	50
Tax Expense (Benefit)	$ (1)	$ 11

Investment Securities (Contract

Investment Securities (Contractual Maturity of Securities) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	$ 3,881
Available for sale securities, amortized cost, after 1 year through 5 years	6,032
Available for sale securities, amortized cost, after 5 years through 10 years	7,444
Available for sale securities, amortized cost, after 10 years	33,232
Securities available for sale debt securities, amortized cost	50,589	$ 130,798
Available-for-sale securities, fair value, 1 year or less	3,861
Available-for-sale securities, fair value, after 1 year through 5 years	5,645
Available-for-sale securities, fair value, after 5 years through 10 years	6,681
Available-for-sale securities, fair value, after 10 years	29,611
Available-for-sale securities, fair value	$ 45,798	131,536
Weighted-average yield, GAAP basis, available for sale securities	2.52%
Held to maturity securities, amortized cost, 1 year or less	$ 1,541
Held to maturity securities, amortized cost, after 1 year through 5 years	28,971
Held to maturity securities, amortized cost, after 5 years through 10 years	11,589
Held to maturity securities, amortized cost, after 10 years	48,552
Held to maturity securities, amortized cost	90,653	$ 1,426
Held-to-maturity securities, fair value, 1 year or less	1,527
Held-to-maturity securities, fair value, after 1 year through 5 years	27,909
Held-to-maturity securities, fair value, after 5 years through 10 years	10,879
Held-to-maturity securities, fair value, after 10 years	44,873
Held-to-maturity securities, fair value	$ 85,188
Weighted-average yield, GAAP basis, held to maturity securities	2.11%
1 Year or Less
Debt Securities [Line Items]
Weighted-average yield, GAAP basis, available for sale securities	2.38%
Weighted-average yield, GAAP basis, held to maturity securities	1.25%
After 1 Year through 5 Years
Debt Securities [Line Items]
Weighted-average yield, GAAP basis, available for sale securities	1.67%
Weighted-average yield, GAAP basis, held to maturity securities	1.26%
After 5 Years through 10 Years
Debt Securities [Line Items]
Weighted-average yield, GAAP basis, available for sale securities	2.30%
Weighted-average yield, GAAP basis, held to maturity securities	2.01%
After 10 Years
Debt Securities [Line Items]
Weighted-average yield, GAAP basis, available for sale securities	2.75%
Weighted-average yield, GAAP basis, held to maturity securities	2.66%
U.S. Treasury and government agencies
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	$ 3,686
Available for sale securities, amortized cost, after 1 year through 5 years	3,265
Available for sale securities, amortized cost, after 5 years through 10 years	2,100
Available for sale securities, amortized cost, after 10 years	2,042
Securities available for sale debt securities, amortized cost	11,093
Held to maturity securities, amortized cost, 1 year or less	1,212
Held to maturity securities, amortized cost, after 1 year through 5 years	25,882
Held to maturity securities, amortized cost, after 5 years through 10 years	8,515
Held to maturity securities, amortized cost, after 10 years	511
Held to maturity securities, amortized cost	36,120
Residential mortgage-backed | Mortgage-backed Securities Agency
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	2
Available for sale securities, amortized cost, after 1 year through 5 years	79
Available for sale securities, amortized cost, after 5 years through 10 years	2,985
Available for sale securities, amortized cost, after 10 years	28,927
Securities available for sale debt securities, amortized cost	31,993
Held to maturity securities, amortized cost, after 1 year through 5 years	9
Held to maturity securities, amortized cost, after 5 years through 10 years	264
Held to maturity securities, amortized cost, after 10 years	41,879
Held to maturity securities, amortized cost	42,152
Residential mortgage-backed | Mortgage-backed Securities Non-agency
Debt Securities [Line Items]
Available for sale securities, amortized cost, after 5 years through 10 years	7
Available for sale securities, amortized cost, after 10 years	718
Securities available for sale debt securities, amortized cost	725
Held to maturity securities, amortized cost, after 10 years	281
Held to maturity securities, amortized cost	281
Commercial mortgage-backed | Mortgage-backed Securities Agency
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	59
Available for sale securities, amortized cost, after 1 year through 5 years	454
Available for sale securities, amortized cost, after 5 years through 10 years	1,095
Available for sale securities, amortized cost, after 10 years	322
Securities available for sale debt securities, amortized cost	1,930
Held to maturity securities, amortized cost, after 5 years through 10 years	448
Held to maturity securities, amortized cost, after 10 years	215
Held to maturity securities, amortized cost	663
Commercial mortgage-backed | Mortgage-backed Securities Non-agency
Debt Securities [Line Items]
Available for sale securities, amortized cost, after 1 year through 5 years	6
Available for sale securities, amortized cost, after 5 years through 10 years	388
Available for sale securities, amortized cost, after 10 years	969
Securities available for sale debt securities, amortized cost	1,363
Held to maturity securities, amortized cost, after 1 year through 5 years	115
Held to maturity securities, amortized cost, after 5 years through 10 years	5
Held to maturity securities, amortized cost, after 10 years	1,626
Held to maturity securities, amortized cost	1,746
Asset-backed
Debt Securities [Line Items]
Available for sale securities, amortized cost, after 5 years through 10 years	10
Available for sale securities, amortized cost, after 10 years	96
Securities available for sale debt securities, amortized cost	106
Held to maturity securities, amortized cost, 1 year or less	99
Held to maturity securities, amortized cost, after 1 year through 5 years	1,908
Held to maturity securities, amortized cost, after 5 years through 10 years	1,765
Held to maturity securities, amortized cost, after 10 years	2,793
Held to maturity securities, amortized cost	6,565
Other
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	134
Available for sale securities, amortized cost, after 1 year through 5 years	2,228
Available for sale securities, amortized cost, after 5 years through 10 years	859
Available for sale securities, amortized cost, after 10 years	158
Securities available for sale debt securities, amortized cost	3,379
Held to maturity securities, amortized cost, 1 year or less	230
Held to maturity securities, amortized cost, after 1 year through 5 years	1,057
Held to maturity securities, amortized cost, after 5 years through 10 years	592
Held to maturity securities, amortized cost, after 10 years	1,247
Held to maturity securities, amortized cost	$ 3,126

Investment Securities (Fair Val

Investment Securities (Fair Value of Securities Pledged and Accepted as Collateral) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Investment Securities Disclosure [Abstract]
Pledged to others	$ 19,408	$ 27,349
Permitted by contract or custom to sell or repledge	1,507	707
Permitted amount repledged to others	$ 1,507	$ 707

Loans and Related Allowance f_3

Loans and Related Allowance for Credit Losses (Narrative) (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($) portfolio_segment	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) portfolio_segment	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Number of portfolio segments | portfolio_segment	2		2
Financing receivable, threshold period past due, subsequently defaulted			60 days
Allowance for credit loss	$ 5,263	$ 6,001	$ 5,263	$ 6,001
Decrease in allowance for credit loss			200
Performing Financial Instruments
Troubled debt restructurings (TDRs)	700		700		$ 600
TDRs
Amortized Cost - Subsequently Defaulted TDRs	23	$ 6	45	$ 25
TDRs | Nonperforming loans
Troubled debt restructurings (TDRs)	700		700		1,000
Federal Reserve Bank
Loans pledged as collateral for the ability to borrow	26,000		26,000		25,700
Federal Home Loan Bank
Loans pledged as collateral for the ability to borrow	$ 90,700		$ 90,700		$ 66,200

Loans and Related Allowance f_4

Loans and Related Allowance for Credit Losses (Analysis of Loan Portfolio) (Details) - USD ($) $ in Millions		Sep. 30, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Total loans	[1]	$ 315,400	$ 288,372
Percentage of total loans, past due		100%	100%
Accrued interest on loan portfolio		$ 1,000	$ 700
Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans		700	700
Collateral Dependent
Financing Receivable, Past Due [Line Items]
Total loans		1,300	1,700
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		$ 1,626	$ 1,985
Percentage of total loans, past due		0.52%	0.69%
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		$ 311,052	$ 283,155
Percentage of total loans, past due		98.61%	98.19%
30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		$ 879	$ 1,011
Percentage of total loans, past due		0.28%	0.35%
60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		$ 268	$ 355
Percentage of total loans, past due		0.08%	0.12%
90 Days Or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		$ 479	$ 619
Percentage of total loans, past due		0.15%	0.21%
Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		$ 2,068	$ 2,480
Percentage of total loans, past due		0.66%	0.86%
Fair Value Option Nonaccrual Loans
Financing Receivable, Past Due [Line Items]
Nonaccrual loans		$ 654	$ 752
Percentage of total loans, nonaccrual, past due		0.21%	0.26%
Total commercial
Financing Receivable, Past Due [Line Items]
Total loans		$ 215,597	$ 193,078
Total commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		547	537
Total commercial | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		214,147	191,373
Total commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		338	306
Total commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		65	98
Total commercial | 90 Days Or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		144	133
Total commercial | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		903	1,168
Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		99,803	95,294
Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		1,079	1,448
Total consumer | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		96,905	91,782
Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		541	705
Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		203	257
Total consumer | 90 Days Or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		335	486
Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		1,165	1,312
Total consumer | Fair Value Option Nonaccrual Loans
Financing Receivable, Past Due [Line Items]
Nonaccrual loans		654	752
Commercial and industrial | Total commercial
Financing Receivable, Past Due [Line Items]
Total loans		173,813	152,933
Commercial and industrial | Total commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		515	439
Commercial and industrial | Total commercial | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		172,550	151,698
Commercial and industrial | Total commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		321	235
Commercial and industrial | Total commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		55	72
Commercial and industrial | Total commercial | 90 Days Or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		139	132
Commercial and industrial | Total commercial | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		748	796
Commercial real estate | Total commercial
Financing Receivable, Past Due [Line Items]
Total loans		35,592	34,015
Commercial real estate | Total commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		20	71
Commercial real estate | Total commercial | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		35,424	33,580
Commercial real estate | Total commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		11	46
Commercial real estate | Total commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		4	24
Commercial real estate | Total commercial | 90 Days Or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		5	1
Commercial real estate | Total commercial | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		148	364
Equipment lease financing | Total commercial
Financing Receivable, Past Due [Line Items]
Total loans		6,192	6,130
Equipment lease financing | Total commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		12	27
Equipment lease financing | Total commercial | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		6,173	6,095
Equipment lease financing | Total commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		6	25
Equipment lease financing | Total commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		6	2
Equipment lease financing | Total commercial | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		7	8
Residential real estate
Financing Receivable, Past Due [Line Items]
Total loans		45,057	39,712
Residential real estate | Government insured or guaranteed loans
Financing Receivable, Past Due [Line Items]
Total loans		652	811
Residential real estate | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		45,057	39,712
Residential real estate | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		589	826
Residential real estate | Total consumer | Financial Asset, Past Due | Government insured or guaranteed loans
Financing Receivable, Past Due [Line Items]
Total loans		300	400
Residential real estate | Total consumer | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		43,467	37,706
Residential real estate | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		298	379
Residential real estate | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		95	119
Residential real estate | Total consumer | 90 Days Or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		196	328
Residential real estate | Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		429	517
Residential real estate | Total consumer | Fair Value Option Nonaccrual Loans
Financing Receivable, Past Due [Line Items]
Nonaccrual loans		572	663
Home equity
Financing Receivable, Past Due [Line Items]
Total loans		25,367	24,061
Home equity | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		25,367	24,061
Home equity | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		62	71
Home equity | Total consumer | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		24,693	23,305
Home equity | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		46	53
Home equity | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		16	18
Home equity | Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		530	596
Home equity | Total consumer | Fair Value Option Nonaccrual Loans
Financing Receivable, Past Due [Line Items]
Nonaccrual loans		82	89
Automobile | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		15,025	16,635
Automobile | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		123	200
Automobile | Total consumer | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		14,735	16,252
Automobile | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		96	146
Automobile | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		21	40
Automobile | Total consumer | 90 Days Or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		6	14
Automobile | Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		167	183
Credit card | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		6,774	6,626
Credit card | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		132	144
Credit card | Total consumer | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		6,636	6,475
Credit card | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		44	49
Credit card | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		30	33
Credit card | Total consumer | 90 Days Or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		58	62
Credit card | Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		6	7
Education
Financing Receivable, Past Due [Line Items]
Total loans		2,287	2,533
Education | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		2,287	2,533
Education | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		125	133
Education | Total consumer | Financial Asset, Past Due | Government insured or guaranteed loans
Financing Receivable, Past Due [Line Items]
Total loans		100	100
Education | Total consumer | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		2,162	2,400
Education | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		36	43
Education | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		26	25
Education | Total consumer | 90 Days Or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		63	65
Other consumer
Financing Receivable, Past Due [Line Items]
Total loans		5,293	5,727
Other consumer | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		5,293	5,727
Other consumer | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		48	74
Other consumer | Total consumer | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total loans		5,212	5,644
Other consumer | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		21	35
Other consumer | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		15	22
Other consumer | Total consumer | 90 Days Or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		12	17
Other consumer | Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		$ 33	$ 9
[1]Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $1.1 billion, Loans held for investment of $1.3 billion and Other assets of $0.1 billion at September 30, 2022. Comparable amounts at December 31, 2021 were $1.9 billion, $1.5 billion and $0.1 billion, respectively.

Loans and Related Allowance f_5

Loans and Related Allowance for Credit Losses (Nonperforming Assets) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Nonperforming loans, without allowance for credit losses	$ 900	$ 1,000
Nonperforming loans
Nonperforming loans	2,068	2,480
OREO and foreclosed assets	33	26
Total nonperforming assets	$ 2,101	$ 2,506
Nonperforming loans to total loans	0.66%	0.86%
Nonperforming assets to total loans, OREO and foreclosed assets	0.67%	0.87%
Nonperforming assets to total assets	0.38%	0.45%
Total commercial | Nonperforming loans
Nonperforming loans	$ 903	$ 1,168
Total consumer | Nonperforming loans
Nonperforming loans	$ 1,165	$ 1,312
Unsecured Consumer Loans | Minimum
Threshold period of financing receivable past due, writeoff	120 days
Unsecured Consumer Loans | Maximum
Threshold period of financing receivable past due, writeoff	180 days

Loans and Related Allowance f_6

Loans and Related Allowance for Credit Losses (Commercial Lending Asset Quality Indicators) (Details) - USD ($) $ in Millions		Sep. 30, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans, net	[1]	$ 315,400	$ 288,372
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		40,407	33,040
Year two		20,136	18,072
Year three		14,358	19,883
Year four		15,354	13,112
Year five		9,698	10,577
Prior		26,400	23,114
Revolving Loans		89,147	75,160
Revolving Loans Converted to Term		97	120
Total loans, net		215,597	193,078
Commercial | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		32,073	27,387
Year two		14,914	12,421
Year three		9,378	11,546
Year four		8,036	7,347
Year five		5,192	6,851
Prior		15,245	12,583
Revolving Loans		88,878	74,678
Revolving Loans Converted to Term		97	120
Total loans, net		173,813	152,933
Commercial | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		7,121	4,404
Year two		4,153	4,407
Year three		3,919	7,354
Year four		6,558	5,054
Year five		4,031	3,200
Prior		9,541	9,114
Revolving Loans		269	482
Total loans, net		35,592	34,015
Commercial | Equipment lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		1,213	1,249
Year two		1,069	1,244
Year three		1,061	983
Year four		760	711
Year five		475	526
Prior		1,614	1,417
Total loans, net		6,192	6,130
Pass Rated | Commercial | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		31,271	27,104
Year two		14,475	12,053
Year three		9,018	10,731
Year four		7,607	6,698
Year five		4,858	6,355
Prior		14,602	11,759
Revolving Loans		85,101	71,230
Revolving Loans Converted to Term		69	90
Total loans, net		167,001	146,020
Pass Rated | Commercial | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		6,789	4,110
Year two		4,114	4,109
Year three		3,684	6,355
Year four		5,975	4,234
Year five		3,198	2,634
Prior		7,957	7,562
Revolving Loans		266	436
Total loans, net		31,983	29,440
Pass Rated | Commercial | Equipment lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		1,168	1,212
Year two		1,010	1,190
Year three		1,000	942
Year four		718	682
Year five		454	507
Prior		1,599	1,410
Total loans, net		5,949	5,943
Criticized | Commercial | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		802	283
Year two		439	368
Year three		360	815
Year four		429	649
Year five		334	496
Prior		643	824
Revolving Loans		3,777	3,448
Revolving Loans Converted to Term		28	30
Total loans, net		6,812	6,913
Criticized | Commercial | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		332	294
Year two		39	298
Year three		235	999
Year four		583	820
Year five		833	566
Prior		1,584	1,552
Revolving Loans		3	46
Total loans, net		3,609	4,575
Criticized | Commercial | Equipment lease financing
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		45	37
Year two		59	54
Year three		61	41
Year four		42	29
Year five		21	19
Prior		15	7
Total loans, net		$ 243	$ 187
[1]Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $1.1 billion, Loans held for investment of $1.3 billion and Other assets of $0.1 billion at September 30, 2022. Comparable amounts at December 31, 2021 were $1.9 billion, $1.5 billion and $0.1 billion, respectively.

Loans and Related Allowance f_7

Loans and Related Allowance for Credit Losses (Home Equity and Residential Real Estate Credit Quality Indicators) (Details) - USD ($) $ in Millions		Sep. 30, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans, net	[1]	$ 315,400	$ 288,372
Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		9,150	16,961
Year two		16,834	8,473
Year three		7,488	3,114
Year four		2,517	1,133
Year five		901	1,688
Prior		8,167	8,343
Total loans, net		45,057	39,712
Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Year one			212
Year two		185	2,588
Year three		2,207	1,265
Year four		1,038	386
Year five		305	562
Prior		3,065	3,291
Revolving Loans		8,829	9,187
Revolving Loans Converted to Term		9,738	6,570
Total loans, net		25,367	24,061
Greater than or equal to 780 | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		5,416	11,110
Year two		12,138	5,898
Year three		5,267	1,996
Year four		1,644	596
Year five		465	1,029
Prior		4,113	4,052
Total loans, net		29,043	24,681
Greater than or equal to 780 | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Year one			124
Year two		109	1,619
Year three		1,400	692
Year four		577	201
Year five		162	364
Prior		1,895	2,035
Revolving Loans		5,154	5,490
Revolving Loans Converted to Term		5,123	3,320
Total loans, net		14,420	13,845
720 to 779 | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		3,152	4,921
Year two		3,294	1,735
Year three		1,457	643
Year four		499	247
Year five		212	345
Prior		1,610	1,619
Total loans, net		10,224	9,510
720 to 779 | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Year one			61
Year two		51	666
Year three		537	348
Year four		269	96
Year five		69	116
Prior		602	642
Revolving Loans		2,274	2,283
Revolving Loans Converted to Term		2,582	1,679
Total loans, net		6,384	5,891
660 to 719 | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		442	717
Year two		752	463
Year three		403	255
Year four		190	136
Year five		91	133
Prior		806	796
Total loans, net		2,684	2,500
660 to 719 | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Year one			23
Year two		21	248
Year three		212	167
Year four		138	56
Year five		44	53
Prior		307	327
Revolving Loans		1,059	1,071
Revolving Loans Converted to Term		1,331	872
Total loans, net		3,112	2,817
Less than 660 | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		42	83
Year two		109	103
Year three		112	96
Year four		83	75
Year five		71	94
Prior		775	848
Total loans, net		1,192	1,299
Less than 660 | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Year one			4
Year two		4	53
Year three		55	57
Year four		53	32
Year five		29	28
Prior		251	277
Revolving Loans		324	325
Revolving Loans Converted to Term		633	615
Total loans, net		1,349	1,391
No FICO score available | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		95	127
Year two		532	241
Year three		199	87
Year four		66	49
Year five		38	48
Prior		332	359
Total loans, net		1,262	911
No FICO score available | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Year two			2
Year three		3	1
Year four		1	1
Year five		1	1
Prior		10	10
Revolving Loans		18	18
Revolving Loans Converted to Term		69	84
Total loans, net		102	117
Government insured or guaranteed loans | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		3	3
Year two		9	33
Year three		50	37
Year four		35	30
Year five		24	39
Prior		531	669
Total loans, net		652	811
Greater than 100% | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one			10
Year two		46	52
Year three		24	21
Year four		6	12
Year five		6	13
Prior		40	77
Total loans, net		122	185
Greater than 100% | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Year one			1
Year two		2	16
Year three		12	14
Year four		7	3
Year five		1	2
Prior		14	25
Revolving Loans		220	329
Revolving Loans Converted to Term		95	90
Total loans, net		351	480
Greater than or equal to 80% to 100% | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		979	1,460
Year two		529	560
Year three		173	221
Year four		67	86
Year five		19	66
Prior		95	190
Total loans, net		1,862	2,583
Greater than or equal to 80% to 100% | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Year one			7
Year two		4	85
Year three		52	62
Year four		27	13
Year five		4	11
Prior		30	66
Revolving Loans		748	990
Revolving Loans Converted to Term		1,058	674
Total loans, net		1,923	1,908
Less than 80% | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		8,168	15,213
Year two		16,197	7,822
Year three		7,240	2,834
Year four		2,409	1,004
Year five		852	1,570
Prior		7,493	7,385
Total loans, net		42,359	35,828
Less than 80% | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Year one			204
Year two		179	2,487
Year three		2,143	1,189
Year four		1,004	370
Year five		300	549
Prior		3,021	3,200
Revolving Loans		7,861	7,868
Revolving Loans Converted to Term		8,585	5,806
Total loans, net		23,093	21,673
No LTV available | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Year one			275
Year two		53	6
Year three		1	1
Year four			1
Prior		8	22
Total loans, net		$ 62	$ 305
[1]Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $1.1 billion, Loans held for investment of $1.3 billion and Other assets of $0.1 billion at September 30, 2022. Comparable amounts at December 31, 2021 were $1.9 billion, $1.5 billion and $0.1 billion, respectively.

Loans and Related Allowance f_8

Loans and Related Allowance for Credit Losses (Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes) (Details) - USD ($) $ in Millions		Sep. 30, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans, net	[1]	$ 315,400	$ 288,372
Automobile | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		4,000	6,612
Year two		4,847	3,403
Year three		2,320	3,765
Year four		2,396	1,874
Year five		1,073	738
Prior		389	243
Total loans, net		15,025	16,635
Automobile | Greater than or equal to 780 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		1,984	3,247
Year two		2,327	1,496
Year three		1,041	1,380
Year four		887	533
Year five		301	226
Prior		111	79
Total loans, net		6,651	6,961
Automobile | 720 to 779 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		1,277	2,119
Year two		1,503	983
Year three		649	1,030
Year four		635	499
Year five		277	195
Prior		100	62
Total loans, net		4,441	4,888
Automobile | 660 to 719 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		622	969
Year two		728	609
Year three		388	772
Year four		470	413
Year five		229	155
Prior		79	44
Total loans, net		2,516	2,962
Automobile | Less than 660 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		117	277
Year two		289	315
Year three		242	583
Year four		404	429
Year five		266	162
Prior		99	58
Total loans, net		1,417	1,824
Credit card | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans		6,715	6,564
Revolving Loans Converted to Term		59	62
Total loans, net		6,774	6,626
Credit card | Greater than or equal to 780 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans		1,835	1,815
Revolving Loans Converted to Term		2	2
Total loans, net		1,837	1,817
Credit card | 720 to 779 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans		1,945	1,836
Revolving Loans Converted to Term		7	9
Total loans, net		1,952	1,845
Credit card | 660 to 719 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans		1,876	1,856
Revolving Loans Converted to Term		15	19
Total loans, net		1,891	1,875
Credit card | Less than 660 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans		952	943
Revolving Loans Converted to Term		32	29
Total loans, net		984	972
Credit card | No FICO score available or required | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Revolving Loans		107	114
Revolving Loans Converted to Term		3	3
Total loans, net		110	117
Education
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		68	76
Year two		100	109
Year three		94	134
Year four		112	107
Year five		90	78
Prior		1,823	2,029
Total loans, net		2,287	2,533
Education | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		68	76
Year two		100	109
Year three		94	134
Year four		112	107
Year five		90	78
Prior		611	651
Total loans, net		1,075	1,155
Education | Greater than or equal to 780 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		18	37
Year two		55	60
Year three		51	77
Year four		63	62
Year five		52	48
Prior		373	392
Total loans, net		612	676
Education | 720 to 779 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		20	20
Year two		28	29
Year three		25	37
Year four		31	30
Year five		25	21
Prior		151	160
Total loans, net		280	297
Education | 660 to 719 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		12	7
Year two		8	9
Year three		8	11
Year four		10	11
Year five		9	7
Prior		64	73
Total loans, net		111	118
Education | Less than 660 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		2	1
Year two		1	1
Year three		1	2
Year four		2	2
Year five		2	2
Prior		22	25
Total loans, net		30	33
Education | No FICO score available or required | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		16	11
Year two		8	10
Year three		9	7
Year four		6	2
Year five		2
Prior		1	1
Total loans, net		42	31
Education | Other internal credit metrics
Financing Receivable, Credit Quality Indicator [Line Items]
Prior		1,212	1,378
Total loans, net		1,212	1,378
Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		691	776
Year two		482	541
Year three		316	575
Year four		329	274
Year five		119	75
Prior		87	116
Revolving Loans		3,235	3,347
Revolving Loans Converted to Term		34	23
Total loans, net		5,293	5,727
Other consumer | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		613	689
Year two		438	510
Year three		277	540
Year four		270	251
Year five		111	53
Prior		56	68
Revolving Loans		285	392
Revolving Loans Converted to Term		9	2
Total loans, net		2,059	2,505
Other consumer | Greater than or equal to 780 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		176	199
Year two		118	131
Year three		68	123
Year four		59	47
Year five		20	12
Prior		22	32
Revolving Loans		51	95
Revolving Loans Converted to Term		2	1
Total loans, net		516	640
Other consumer | 720 to 779 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		240	250
Year two		149	172
Year three		84	167
Year four		80	68
Year five		28	15
Prior		16	19
Revolving Loans		93	125
Revolving Loans Converted to Term		2
Total loans, net		692	816
Other consumer | 660 to 719 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		182	190
Year two		122	145
Year three		83	165
Year four		83	82
Year five		37	16
Prior		11	11
Revolving Loans		96	122
Revolving Loans Converted to Term		3
Total loans, net		617	731
Other consumer | Less than 660 | Using FICO Credit Metric
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		15	50
Year two		49	62
Year three		42	85
Year four		48	54
Year five		26	10
Prior		7	6
Revolving Loans		45	50
Revolving Loans Converted to Term		2	1
Total loans, net		234	318
Other consumer | Other internal credit metrics
Financing Receivable, Credit Quality Indicator [Line Items]
Year one		78	87
Year two		44	31
Year three		39	35
Year four		59	23
Year five		8	22
Prior		31	48
Revolving Loans		2,950	2,955
Revolving Loans Converted to Term		25	21
Total loans, net		$ 3,234	$ 3,222
[1]Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $1.1 billion, Loans held for investment of $1.3 billion and Other assets of $0.1 billion at September 30, 2022. Comparable amounts at December 31, 2021 were $1.9 billion, $1.5 billion and $0.1 billion, respectively.

Loans and Related Allowance f_9

Loans and Related Allowance for Credit Losses (Financial Impact and TDRs by Concession Type) (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($) loan	Sep. 30, 2021 USD ($) loan	Sep. 30, 2022 USD ($) loan	Sep. 30, 2021 USD ($) loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	2,247	1,353	8,194	4,865
Pre-TDR Amortized Cost Basis	$ 136	$ 154	$ 310	$ 406
Post-TDR Amortized Cost Basis	112	167	267	392
Principal Forgiveness
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-TDR Amortized Cost Basis			9
Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-TDR Amortized Cost Basis	39	21	105	49
Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-TDR Amortized Cost Basis	$ 73	$ 146	$ 153	$ 343
Total commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	15	13	42	43
Pre-TDR Amortized Cost Basis	$ 96	$ 123	$ 184	$ 320
Post-TDR Amortized Cost Basis	77	139	154	315
Total commercial | Principal Forgiveness
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-TDR Amortized Cost Basis			9
Total commercial | Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-TDR Amortized Cost Basis	10		10
Total commercial | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-TDR Amortized Cost Basis	$ 67	$ 139	$ 135	$ 315
Total consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	2,232	1,340	8,152	4,822
Pre-TDR Amortized Cost Basis	$ 40	$ 31	$ 126	$ 86
Post-TDR Amortized Cost Basis	35	28	113	77
Total consumer | Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-TDR Amortized Cost Basis	29	21	95	49
Total consumer | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Post-TDR Amortized Cost Basis	$ 6	$ 7	$ 18	$ 28

Loans and Related Allowance _10

Loans and Related Allowance for Credit Losses (Subsequently Defaulted TDRs) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
TDRs
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost - Subsequently Defaulted TDRs	$ 23	$ 6	$ 45	$ 25

Loans and Related Allowance _11

Loans and Related Allowance for Credit Losses (Rollforward of Allowance for Credit Losses of Loans and Leases) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 4,462	$ 5,730	$ 4,868	$ 5,361
Acquisition PCD reserves		(59)		1,056
Charge-offs	(222)	(206)	(668)	(877)
Recoveries	103	125	329	344
Net (charge-offs)	(119)	(81)	(339)	(533)
Provision for (recapture of) credit losses	241	(229)	59	(525)
Other	(3)	(6)	(7)	(4)
Ending balance	4,581	5,355	4,581	5,355
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	681	645	662	584
Acquisition PCD reserves				46
Provision for (recapture of) credit losses	1	1	20	16
Ending balance	682	646	682	646
Allowance for credit loss	5,263	6,001	5,263	6,001
Allowances for investment securities and other financial assets	162	162	162	162
Total commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	2,937	3,812	3,185	3,337
Acquisition PCD reserves		(54)		774
Charge-offs	(73)	(50)	(162)	(393)
Recoveries	25	29	78	81
Net (charge-offs)	(48)	(21)	(84)	(312)
Provision for (recapture of) credit losses	174	(129)	(34)	(193)
Other	(2)	(5)	(6)	(3)
Ending balance	3,061	3,603	3,061	3,603
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	630	533	564	485
Acquisition PCD reserves				43
Provision for (recapture of) credit losses	(22)	2	44	7
Ending balance	608	535	608	535
Allowance for credit loss	3,669	4,138	3,669	4,138
Total consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,525	1,918	1,683	2,024
Acquisition PCD reserves		(5)		282
Charge-offs	(149)	(156)	(506)	(484)
Recoveries	78	96	251	263
Net (charge-offs)	(71)	(60)	(255)	(221)
Provision for (recapture of) credit losses	67	(100)	93	(332)
Other	(1)	(1)	(1)	(1)
Ending balance	1,520	1,752	1,520	1,752
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	51	112	98	99
Acquisition PCD reserves				3
Provision for (recapture of) credit losses	23	(1)	(24)	9
Ending balance	74	111	74	111
Allowance for credit loss	$ 1,594	$ 1,863	$ 1,594	$ 1,863

Loan Sale and Servicing Activ_3

Loan Sale and Servicing Activities and Variable Interest Entities (Loan Sale and Servicing Activities) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Residential mortgage loans held for sale
Sales of loans and related securitization activity	$ 1,019	$ 2,475	$ 4,367	$ 5,997
Repurchases of previously transferred loans	49	45	154	189
Cash flows from servicing fees	99	105	283	270
Cash flows from servicing advances recovered/(funded), net	11	(4)	44	8
Cash flows from mortgage-backed securities held	797	2,041	3,122	7,256
Cash flows on carrying value of mortgage-backed securities held	19,100	15,900	19,100	15,900	$ 17,600
Commercial mortgage loans held for sale
Sales of loans and related securitization activity	863	881	2,702	2,604
Repurchases of previously transferred loans		103	27	145
Cash flows from servicing fees	51	43	140	119
Cash flows from servicing advances recovered/(funded), net	11	28	15	(8)
Cash flows from mortgage-backed securities held	15	18	43	66
Cash flows on carrying value of mortgage-backed securities held	$ 700	$ 600	$ 700	$ 600	$ 600

Loan Sale and Servicing Activ_4

Loan Sale and Servicing Activities and Variable Interest Entities (Principal Balance, Delinquent Loans (Loans 90 Days or More Past Due), and Net Charge-Offs Related to Serviced Loans) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Residential mortgage loans held for sale
Total principal balance	$ 41,413		$ 41,413		$ 42,726
Delinquent loans	354		354		569
Net charge-offs	1	$ 1	3	$ 4
Commercial mortgage loans held for sale
Total principal balance	38,457		38,457		39,551
Delinquent loans	1		1		$ 42
Net charge-offs	$ 9	$ 2	$ 12	$ 180

Loan Sale and Servicing Activ_5

Loan Sale and Servicing Activities and Variable Interest Entities (Non-Consolidated VIEs) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
PNC Risk of Loss	$ 24,419	$ 22,573
Carrying Value of Assets Owned by PNC	559,477	557,191
Carrying Value of Liabilities Owned by PNC	512,754	501,465
Variable Interest Entity, Primary Beneficiary
Carrying Value of Assets Owned by PNC	24,256	22,601
Carrying Value of Liabilities Owned by PNC	1,962	1,799
Variable Interest Entity, Primary Beneficiary | Mortgage-Backed Securitizations
PNC Risk of Loss	20,233	18,708
Carrying Value of Assets Owned by PNC	20,237	18,708
Carrying Value of Liabilities Owned by PNC	1	1
Variable Interest Entity, Primary Beneficiary | Tax Credit Investments And Other
PNC Risk of Loss	4,186	3,865
Carrying Value of Assets Owned by PNC	4,019	3,893
Carrying Value of Liabilities Owned by PNC	$ 1,961	$ 1,798

Loan Sale and Servicing Activ_6

Loan Sale and Servicing Activities and Variable Interest Entities (Loan Sale and Servicing Activities and Variable Interest Entities) (Narrative) (Details) - Low Income Housing Tax Credit Investments - USD ($) $ in Billions	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortization	$ 0.3
Tax credits	0.3
Other tax benefits	$ 0.1
Amortization, tax credits, and other tax benefits recognized low income housing tax credit investments (less than)		$ 0.1

Goodwill Mortgage Servicing Rig

Goodwill Mortgage Servicing Rights (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Mortgage servicing rights	$ 3,206		$ 3,206		$ 1,818
Fees from mortgage and other loan servicing	$ 100	$ 200	$ 400	$ 400

Goodwill and Mortgage Servici_3

Goodwill and Mortgage Servicing Rights (Mortgage Servicing Rights) (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Servicing Asset at Fair Value, Amount [Roll Forward]
Mortgage servicing rights, beginning balance	$ 1,818
Mortgage servicing rights, ending balance	3,206
Mortgage Servicing Rights | Commercial real estate
Servicing Asset at Fair Value, Amount [Roll Forward]
Mortgage servicing rights, beginning balance	740	$ 569
Mortgage servicing rights, ending balance	1,132	703
Unpaid principal balance of loans serviced for others at end of period	281,931	263,862
Servicing advances	448	445
Mortgage Servicing Rights | Commercial real estate | Time and Payoffs
Servicing Asset at Fair Value, Amount [Roll Forward]
Changes in Fair Value	(130)	(87)
Mortgage Servicing Rights | Commercial real estate | Other
Servicing Asset at Fair Value, Amount [Roll Forward]
Changes in Fair Value	438	134
Mortgage Servicing Rights | Commercial real estate | From loans sold with servicing retained
Servicing Asset at Fair Value, Amount [Roll Forward]
Additions	52	61
Mortgage Servicing Rights | Commercial real estate | Purchases
Servicing Asset at Fair Value, Amount [Roll Forward]
Additions	32	26
Mortgage Servicing Rights | Residential mortgage loans held for sale
Servicing Asset at Fair Value, Amount [Roll Forward]
Mortgage servicing rights, beginning balance	1,078	673
Mortgage servicing rights, ending balance	2,074	1,130
Unpaid principal balance of loans serviced for others at end of period	169,678	139,154
Servicing advances	132	139
Mortgage Servicing Rights | Residential mortgage loans held for sale | Time and Payoffs
Servicing Asset at Fair Value, Amount [Roll Forward]
Changes in Fair Value	(178)	(242)
Mortgage Servicing Rights | Residential mortgage loans held for sale | Other
Servicing Asset at Fair Value, Amount [Roll Forward]
Changes in Fair Value	505	203
Mortgage Servicing Rights | Residential mortgage loans held for sale | From loans sold with servicing retained
Servicing Asset at Fair Value, Amount [Roll Forward]
Additions	49	61
Mortgage Servicing Rights | Residential mortgage loans held for sale | Purchases
Servicing Asset at Fair Value, Amount [Roll Forward]
Additions	$ 620	400
Mortgage Servicing Rights | Residential mortgage loans held for sale | BBVA USA Bancshares, Inc.
Servicing Asset at Fair Value, Amount [Roll Forward]
Additions		$ 35

Goodwill Mortgage Servicing R_2

Goodwill Mortgage Servicing Rights (Commercial and Residential Mortgage Servicing Rights - Key Valuation Assumptions) (Details) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 30, 2021 USD ($)	Dec. 31, 2020 USD ($)
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Fair Value	$ 3,206	$ 1,818
Mortgage Servicing Rights | Commercial real estate
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Fair Value	$ 1,132	$ 740	$ 703	$ 569
Weighted-average life (years)	4 years 1 month 6 days	4 years 2 months 12 days
Decline in fair value from 10% adverse change in prepayment rate	$ 8	$ 12
Decline in fair value from 20% adverse change in prepayment rate	16	21
Decline in fair value from 10% adverse change in interest rate	35	20
Decline in fair value from 20% adverse change in interest rate	69	40
Mortgage Servicing Rights | Residential mortgage loans held for sale
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Fair Value	$ 2,074	$ 1,078	$ 1,130	$ 673
Weighted-average life (years)	7 years 10 months 24 days	5 years 8 months 12 days
Decline in fair value from 10% adverse change in prepayment rate	$ 49	$ 46
Decline in fair value from 20% adverse change in prepayment rate	$ 95	$ 89
Spread over the benchmark curve	7.59%	8.57%
Decline in fair value from 10% adverse change in adjusted spread	$ 60	$ 31
Decline in fair value from 20% adverse change in adjusted spread	$ 117	$ 60
Mortgage Servicing Rights | Measurement Input, Constant Prepayment Rate | Commercial real estate
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Servicing asset, measurement input	0.0425	0.0549
Mortgage Servicing Rights | Measurement Input, Constant Prepayment Rate | Residential mortgage loans held for sale
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Servicing asset, measurement input	0.0676	0.1263
Mortgage Servicing Rights | Measurement Input, Discount Rate | Commercial real estate
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Servicing asset, measurement input	0.0973	0.0775

Leases (Lessor Income) (Details

Leases (Lessor Income) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Leases [Abstract]
Sales-type and direct financing leases	$ 61	$ 61	$ 177	$ 184
Operating leases	15	18	48	58
Lease income	$ 76	$ 79	$ 225	$ 242

Borrowed Funds (Narrative) (Det

Borrowed Funds (Narrative) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Borrowed funds	$ 54,633	$ 30,784
Parent Company
Debt Instrument [Line Items]
Borrowed funds	10,022	11,351
Parent Company | Senior debt
Debt Instrument [Line Items]
Borrowed funds	8,296	10,369
Basis adjustments - Fair value accounting hedges	(810)
Parent Company | Subordinated debt
Debt Instrument [Line Items]
Borrowed funds	1,520	777
Basis adjustments - Fair value accounting hedges	(75)
Subsidiaries
Debt Instrument [Line Items]
Borrowed funds	40,696	16,306
Subsidiaries | Senior debt
Debt Instrument [Line Items]
Borrowed funds	5,061	10,292
Basis adjustments - Fair value accounting hedges	(272)
Subsidiaries | Subordinated debt
Debt Instrument [Line Items]
Borrowed funds	5,560	$ 6,014
Basis adjustments - Fair value accounting hedges	$ (254)

Borrowed Funds (Remaining Matur

Borrowed Funds (Remaining Maturity) (Details) $ in Billions	Sep. 30, 2022 USD ($)
Debt Disclosure [Abstract]
Less than 1 year	$ 5.9
1 to 2 years	8.4
2 to 3 years	20.5
3 to 4 years	9.2
4 to 5 years	0.7
Over 5 years	$ 9.9

Borrowed Funds (FHLB Borrowings

Borrowed Funds (FHLB Borrowings, Senior Debt and Subordinated Debt) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Borrowed funds	$ 54,633	$ 30,784
Total FHLB, Senior and Sub Debt	50,718	27,657
Parent Company
Debt Instrument [Line Items]
Borrowed funds	10,022	11,351
Parent Company | Senior debt
Debt Instrument [Line Items]
Borrowed funds	$ 8,296	10,369
Parent Company | Senior debt | Minimum
Debt Instrument [Line Items]
Interest rate	1.15%
Parent Company | Senior debt | Maximum
Debt Instrument [Line Items]
Interest rate	3.50%
Parent Company | Subordinated debt
Debt Instrument [Line Items]
Borrowed funds	$ 1,520	777
Parent Company | Subordinated debt | Minimum
Debt Instrument [Line Items]
Interest rate	3.90%
Parent Company | Subordinated debt | Maximum
Debt Instrument [Line Items]
Interest rate	4.63%
Parent Company | Junior subordinated debt
Debt Instrument [Line Items]
Interest rate	3.65%
Borrowed funds	$ 206	205
Subsidiaries
Debt Instrument [Line Items]
Borrowed funds	40,696	16,306
Subsidiaries | Senior debt
Debt Instrument [Line Items]
Borrowed funds	$ 5,061	10,292
Subsidiaries | Senior debt | Minimum
Debt Instrument [Line Items]
Interest rate	2.50%
Subsidiaries | Senior debt | Maximum
Debt Instrument [Line Items]
Interest rate	3.50%
Subsidiaries | Subordinated debt
Debt Instrument [Line Items]
Borrowed funds	$ 5,560	6,014
Subsidiaries | Subordinated debt | Minimum
Debt Instrument [Line Items]
Interest rate	2.70%
Subsidiaries | Subordinated debt | Maximum
Debt Instrument [Line Items]
Interest rate	5.90%
Subsidiaries | FHLB
Debt Instrument [Line Items]
Borrowed funds	$ 30,075
Subsidiaries | FHLB | Minimum
Debt Instrument [Line Items]
Interest rate	3.14%
Subsidiaries | FHLB | Maximum
Debt Instrument [Line Items]
Interest rate	3.38%

Commitments (Other Commitments)

Commitments (Other Commitments) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Other Commitments [Line Items]
Commitments	$ 268,298	$ 250,854
Liability Related To Investments In Low Income Housing Tax Credits	2,000	2,000
Commitments to extend credit
Other Commitments [Line Items]
Commitments	253,461	237,238
Commitments to extend credit | Commercial
Other Commitments [Line Items]
Commitments	190,761	176,248
Commitments to extend credit | Home equity
Other Commitments [Line Items]
Commitments	21,674	19,410
Commitments to extend credit | Credit card
Other Commitments [Line Items]
Commitments	33,142	32,499
Commitments to extend credit | Other
Other Commitments [Line Items]
Commitments	7,884	9,081
Standby letters of credit
Other Commitments [Line Items]
Commitments	9,987	9,303
Standby letters of credit | Remarketing Programs
Other Commitments [Line Items]
Commitments	3,800	3,300
Standby bond purchase agreements
Other Commitments [Line Items]
Commitments	1,317	1,268
Other commitments
Other Commitments [Line Items]
Commitments	$ 3,533	$ 3,045

Commitments (Narrative) (Detail

Commitments (Narrative) (Details) $ in Billions	9 Months Ended
	Sep. 30, 2022 USD ($)
Minimum
Loss Contingencies [Line Items]
Standby letter of credit, term (less than one year)	1 year
Maximum
Loss Contingencies [Line Items]
Standby letter of credit, term (less than one year)	7 years
Standby letters of credit
Loss Contingencies [Line Items]
Internal credit ratings (as a percentage of portfolio) - Pass	98%
Standby letters of credit - Assets securing certain specifically identified standby letters of credit	$ 1.3
Standby letters of credit and participations in standby letters of credit - Liability carrying amount	$ 0.1

Total Equity and Other Compre_3

Total Equity and Other Comprehensive Income (Rollforward of Total Equity) (Details) $ / shares in Units, $ in Millions				3 Months Ended		9 Months Ended
	Aug. 19, 2022 $ / shares shares	Apr. 26, 2022 $ / shares shares	Sep. 13, 2021 $ / shares shares	Sep. 30, 2022 USD ($) shares	Sep. 30, 2021 USD ($) shares	Sep. 30, 2022 USD ($) shares	Sep. 30, 2021 USD ($) shares	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)	Jun. 30, 2021 USD ($)	Dec. 31, 2020 USD ($)
Common Stock [Abstract]
Equity, Beginning Balance				$ 47,688	$ 54,685	$ 55,726	$ 54,041
Net income				1,640	1,490	4,565	4,419
Other comprehensive income (loss), net of tax				(2,128)	(384)	(10,895)	(1,691)
Dividends, Cash [Abstract]
Common				(622)	(538)	(1,779)	(1,523)
Preferred				(65)	(57)	(181)	(162)
Preferred stock discount accretion
Preferred stock issuance				1,239	1,489	2,231	1,489
Common stock activity						15	12
Treasury stock activity				(1,045)	(382)	(2,959)	(244)
Other				16	(6)		(44)
Equity, Ending Balance				46,723	56,297	46,723	56,297
Preferred stock, par value				$ 0.5	$ 0.5	$ 0.5	$ 0.5	$ 0.5	$ 0.5	$ 0.5	$ 0.5
Series U
Dividends, Cash [Abstract]
Depositary shares issued (shares) | shares		1,000,000
Depositary shares conversion ratio		0.01
Fixed interest rate		6%
Preferred stock, par or stated value per share (in dollars per share) | $ / shares		$ 1
Series T
Dividends, Cash [Abstract]
Depositary shares issued (shares) | shares			1,500,000
Depositary shares conversion ratio			0.01
Fixed interest rate			3.40%
Preferred stock, par or stated value per share (in dollars per share) | $ / shares			$ 1
Series V Preferred Stock
Dividends, Cash [Abstract]
Depositary shares issued (shares) | shares	1,250,000
Depositary shares conversion ratio	0.01
Fixed interest rate	6.20%
Preferred stock, par or stated value per share (in dollars per share) | $ / shares	$ 1
Common Stock
Common Stock [Abstract]
Beginning Balance (in shares) | shares				411,000,000	425,000,000	420,000,000	424,000,000
Treasury stock activity, shares | shares				(7,000,000)	(2,000,000)	(16,000,000)	(1,000,000)
Ending Balance, (in shares) | shares				404,000,000	423,000,000	404,000,000	423,000,000
Equity, Beginning Balance				$ 2,714	$ 2,713	$ 2,713	$ 2,713
Dividends, Cash [Abstract]
Common stock activity						1
Equity, Ending Balance				2,714	2,713	2,714	2,713
Capital Surplus - Preferred Stock
Common Stock [Abstract]
Equity, Beginning Balance				6,004	3,519	5,009	3,517
Dividends, Cash [Abstract]
Preferred stock discount accretion				1	1	4	3
Preferred stock issuance				1,239	1,489	2,231	1,489
Equity, Ending Balance				7,244	5,009	7,244	5,009
Capital Surplus - Common Stock and Other
Common Stock [Abstract]
Equity, Beginning Balance				12,527	12,409	12,448	12,367
Dividends, Cash [Abstract]
Common stock activity						14	12
Treasury stock activity				6	5	56	78
Other				33	30	48	(13)
Equity, Ending Balance				12,566	12,444	12,566	12,444
Retained Earnings
Common Stock [Abstract]
Equity, Beginning Balance				51,841	48,663	50,228	46,848
Net income				1,624	1,474	4,513	4,381
Dividends, Cash [Abstract]
Common				(622)	(538)	(1,779)	(1,523)
Preferred				(65)	(57)	(181)	(162)
Preferred stock discount accretion				(1)	(1)	(4)	(3)
Equity, Ending Balance				52,777	49,541	52,777	49,541
Accumulated Other Comprehensive Income (Loss)
Common Stock [Abstract]
Equity, Beginning Balance				(8,358)	1,463	409	2,770
Other comprehensive income (loss), net of tax				(2,128)	(384)	(10,895)	(1,691)
Dividends, Cash [Abstract]
Equity, Ending Balance				(10,486)	1,079	(10,486)	1,079
Treasury Stock
Common Stock [Abstract]
Equity, Beginning Balance				(17,076)	(14,140)	(15,112)	(14,205)
Dividends, Cash [Abstract]
Treasury stock activity				(1,051)	(387)	(3,015)	(322)
Equity, Ending Balance				(18,127)	(14,527)	(18,127)	(14,527)
Non- controlling Interests
Common Stock [Abstract]
Equity, Beginning Balance				36	58	31	31
Net income				16	16	52	38
Dividends, Cash [Abstract]
Other				(17)	(36)	(48)	(31)
Equity, Ending Balance				$ 35	$ 38	$ 35	$ 38

Total Equity and Other Compre_4

Total Equity and Other Comprehensive Income (Other Comprehensive Income) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Other Comprehensive Income (Loss), Securities, Available-for-sale, Adjustment, before Tax [Abstract]
Net unrealized gains (losses) on securities, pre-tax	$ (1,998)	$ (320)	$ (11,245)	$ (1,446)
Less: Net realized gains (losses) reclassified to earnings	(260)	3	(477)	25
Net increase (decrease), pre-tax	(1,738)	(323)	(10,768)	(1,471)
Other Comprehensive Income (Loss), Available-for-sale Securities, before Reclassification Adjustments, Tax [Abstract]
Net unrealized gains (losses) on securities, tax effect	471	76	2,650	341
Less: Net realized gains (losses) reclassified to earnings, tax effect	61	(1)	112	(6)
Effect of income taxes	410	77	2,538	347
Other Comprehensive Income (Loss), Securities, Available-for-sale, Adjustment, After Reclassification Adjustments, after Tax [Abstract]
Net unrealized gains (losses) on securities, after tax	(1,527)	(244)	(8,595)	(1,105)
Less: Net realized gains (losses) reclassified to earnings, after tax	(199)	2	(365)	19
Net increase (decrease), after-tax	(1,328)	(246)	(8,230)	(1,124)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax [Abstract]
Net unrealized gains (losses) on cash flow hedges, pre-tax	(1,154)	(59)	(3,486)	(369)
Less: Net realized gains (losses) reclassified to earnings, pre-tax	(129)	115	(2)	358
Net increase (decrease), pre-tax	(1,025)	(174)	(3,484)	(727)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, Tax [Abstract]
Net unrealized gains (losses) on cash flow hedges, tax effect	272	14	821	87
Less: Net realized gains (losses) reclassified to earnings, tax effect	30	(27)		(84)
Effect of income taxes	242	41	821	171
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax [Abstract]
Net unrealized gains (losses) on cash flow hedges, after tax	(882)	(45)	(2,665)	(282)
Less: Net realized gains (losses) reclassified to earnings, after tax	(99)	88	(2)	274
Net increase (decrease), after-tax	(783)	(133)	(2,663)	(556)
Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), after Reclassification Adjustment, before Tax [Abstract]
Net pension and other postretirement benefit plan activity and other reclassified to earnings, pre-tax	2	2	64	(11)
Net increase (decrease), pre-tax	2	2	64	(11)
Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, Tax [Abstract]
Net pension and other postretirement benefit plan activity and other reclassified to earnings, tax effect	(1)		(16)	3
Effect of income taxes	(1)		(16)	3
Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax [Abstract]
Net pension and other postretirement benefit plan activity and other reclassified to earnings, after-tax	1	2	48	(8)
Net increase (decrease), after-tax	1	2	48	(8)
Other Comprehensive Income Other Adjustments [Abstract]
Net unrealized gains (losses) on other transactions, pre-tax	4	1	(3)	2
Net increase (decrease), pre-tax	4	1	(3)	2
Net unrealized gains (losses) on other transactions, tax effect	(22)	(8)	(47)	(5)
Effect of income taxes	(22)	(8)	(47)	(5)
Net unrealized gains (losses) on other transactions, after tax	(18)	(7)	(50)	(3)
Net increase (decrease), after-tax	(18)	(7)	(50)	(3)
Other comprehensive income (loss), before tax and net of reclassifications into Net income	(2,757)	(494)	(14,191)	(2,207)
Total other comprehensive income (loss), tax effect	629	110	3,296	516
Other comprehensive income (loss), after tax and net of reclassifications into Net income	$ (2,128)	$ (384)	$ (10,895)	$ (1,691)

Total Equity and Other Compre_5

Total Equity and Other Comprehensive Income (Accumulated Other Comprehensive Income (Loss) Components) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	$ 47,688	$ 54,685	$ 55,726	$ 54,041
Other comprehensive income (loss), net of tax	(2,128)	(384)	(10,895)	(1,691)
Equity, Ending Balance	46,723	56,297	46,723	56,297
Pretax loss included in AOCI from derivatives	(132)		(132)
Total
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	(8,358)	1,463	409	2,770
Other comprehensive income (loss), net of tax	(2,128)	(384)	(10,895)	(1,691)
Equity, Ending Balance	(10,486)	1,079	(10,486)	1,079
Debt securities
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	(6,313)	1,584	589	2,462
Other comprehensive income (loss), net of tax	(1,328)	(246)	(8,230)	(1,124)
Equity, Ending Balance	(7,641)	1,338	(7,641)	1,338
Cash flow hedge derivatives
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	(2,081)	236	(201)	659
Other comprehensive income (loss), net of tax	(783)	(133)	(2,663)	(556)
Equity, Ending Balance	(2,864)	103	(2,864)	103
Pension and  other postretirement benefit plan adjustments
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	74	(355)	27	(345)
Other comprehensive income (loss), net of tax	1	2	48	(8)
Equity, Ending Balance	75	(353)	75	(353)
Other
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	(38)	(2)	(6)	(6)
Other comprehensive income (loss), net of tax	(18)	(7)	(50)	(3)
Equity, Ending Balance	$ (56)	$ (9)	$ (56)	$ (9)

Total Equity and Other Compre_6

Total Equity and Other Comprehensive Income (Dividends Per Share) (Details)						3 Months Ended		9 Months Ended
	Nov. 01, 2022 $ / shares	Oct. 03, 2022 $ / shares	Aug. 19, 2022 $ / shares shares	Apr. 26, 2022 $ / shares shares	Sep. 13, 2021 $ / shares shares	Sep. 30, 2022 $ / shares	Sep. 30, 2021 $ / shares	Sep. 30, 2022 $ / shares	Sep. 30, 2021 $ / shares
Subsequent Event
Class of Stock [Line Items]
Cash dividends declared, common, per share (in dollars per share)		$ 1.50
Common Stock
Class of Stock [Line Items]
Cash dividends declared, common, per share (in dollars per share)						$ 1.50	$ 1.25	$ 4.25	$ 3.55
Series B
Class of Stock [Line Items]
Cash dividends declared, Preferred, per share (in dollars per share)						0.45	0.45	1.35	1.35
Series O
Class of Stock [Line Items]
Cash dividends declared, Preferred, per share (in dollars per share)						1,269	3,375	3,230	6,750
Series P
Class of Stock [Line Items]
Cash dividends declared, Preferred, per share (in dollars per share)						1,368	1,531	4,431	4,594
Series P | Subsequent Event
Class of Stock [Line Items]
Cash dividends declared, Preferred, per share (in dollars per share)	$ 0.43763
Series R
Class of Stock [Line Items]
Cash dividends declared, Preferred, per share (in dollars per share)								2,425	2,425
Series S
Class of Stock [Line Items]
Cash dividends declared, Preferred, per share (in dollars per share)								2,500	2,500
Series T
Class of Stock [Line Items]
Cash dividends declared, Preferred, per share (in dollars per share)						850		2,550
Depositary shares issued (shares) | shares					1,500,000
Depositary shares conversion ratio					0.01
Fixed interest rate					3.40%
Preferred stock, par or stated value per share (in dollars per share)					$ 1
Series U
Class of Stock [Line Items]
Cash dividends declared, Preferred, per share (in dollars per share)						$ 1,817		$ 1,817
Depositary shares issued (shares) | shares				1,000,000
Depositary shares conversion ratio				0.01
Fixed interest rate				6%
Preferred stock, par or stated value per share (in dollars per share)				$ 1
Series V Preferred Stock
Class of Stock [Line Items]
Depositary shares issued (shares) | shares			1,250,000
Depositary shares conversion ratio			0.01
Fixed interest rate			6.20%
Preferred stock, par or stated value per share (in dollars per share)			$ 1

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Earnings Per Share [Abstract]
Net income	$ 1,640	$ 1,490	$ 4,565	$ 4,419
Less:
Net income attributable to noncontrolling interests	16	16	52	38
Preferred stock dividends	65	57	181	162
Preferred stock discount accretion and redemptions	1	1	4	3
Net income attributable to common shareholders	1,558	1,416	4,328	4,216
Less: Dividends and undistributed earnings allocated to nonvested restricted shares	8	8	21	21
Net income attributable to basic common shareholders	$ 1,550	$ 1,408	$ 4,307	$ 4,195
Basic weighted-average common shares outstanding (in shares)	410	426	414	426
Basic earnings per common share (in dollars per share)	$ 3.78	$ 3.31	$ 10.39	$ 9.84
Net income attributable to diluted common shareholders	$ 1,550	$ 1,408	$ 4,307	$ 4,195
Dilutive potential common shares (in shares)			1	1
Diluted (in shares)	410	426	415	427
Diluted earnings per common share (in dollars per share)	$ 3.78	$ 3.30	$ 10.39	$ 9.83

Fair Value (Recurring Fair Valu

Fair Value (Recurring Fair Value Measurements) (Details) - USD ($) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Assets
Investment securities – available for sale	$ 45,798	$ 131,536
Mortgage servicing rights	3,206	1,818
Financial derivatives	2,812	3,620
Liabilities
Financial derivatives	$ 5,391	$ 985
Assets At Fair Value | Assets, Total | Assets
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Concentration risk, percentage	11%	26%
Level 3 Assets | Assets, Total | Assets
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Concentration risk, percentage	11%	4%
Level 3 Assets | Assets | Assets
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Concentration risk, percentage	1%	1%
Liabilities At Fair Value | Liabilities, Total | Liability
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Concentration risk, percentage	2%	1%
Level Three Liabilities | Liabilities, Total | Liability
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Concentration risk, percentage	3%	10%
Level Three Liabilities | Liability | Liability
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Concentration risk, percentage	1%	1%
Fair Value, Recurring
Assets
Investment securities – available for sale	$ 45,798	$ 131,536
Loans	1,278	1,501
Equity investments	3,050	3,231
Trading securities	2,607	1,851
Financial derivatives	5,868	5,152
Other assets	438	518
Total Assets	63,315	147,484
Liabilities
Other borrowed funds	1,613	773
Financial derivatives	9,737	3,570
Other liabilities	269	175
Total liabilities	11,619	4,518
Level 1 | Fair Value, Recurring
Assets
Investment securities – available for sale	9,938	41,873
Equity investments	1,074	1,373
Trading securities	934	250
Financial derivatives	3	5
Other assets	337	404
Total Assets	12,286	43,905
Liabilities
Other borrowed funds	1,408	725
Financial derivatives	3
Total liabilities	1,411	725
Level 2 | Fair Value, Recurring
Assets
Investment securities – available for sale	34,790	88,331
Loans	503	617
Trading securities	1,673	1,601
Financial derivatives	5,857	5,109
Other assets	101	114
Total Assets	43,843	97,519
Liabilities
Other borrowed funds	203	45
Financial derivatives	9,614	3,285
Total liabilities	9,817	3,330
Level 3 | Fair Value, Recurring
Assets
Investment securities – available for sale	1,070	1,332
Loans	775	884
Equity investments	1,795	1,680
Financial derivatives	8	38
Total Assets	7,005	5,882
Liabilities
Other borrowed funds	2	3
Financial derivatives	120	285
Other liabilities	269	175
Total liabilities	391	463
Residential mortgage loans held for sale | Fair Value, Recurring
Assets
Loans held for sale	835	1,302
Residential mortgage loans held for sale | Level 2 | Fair Value, Recurring
Assets
Loans held for sale	719	1,221
Residential mortgage loans held for sale | Level 3 | Fair Value, Recurring
Assets
Loans held for sale	116	81
Commercial mortgage loans held for sale | Fair Value, Recurring
Assets
Loans held for sale	235	575
Commercial mortgage loans held for sale | Level 2 | Fair Value, Recurring
Assets
Loans held for sale	200	526
Commercial mortgage loans held for sale | Level 3 | Fair Value, Recurring
Assets
Loans held for sale	35	49
U.S. Treasury and government agencies | Fair Value, Recurring
Assets
Investment securities – available for sale	10,218	46,164
U.S. Treasury and government agencies | Level 1 | Fair Value, Recurring
Assets
Investment securities – available for sale	9,938	41,873
U.S. Treasury and government agencies | Level 2 | Fair Value, Recurring
Assets
Investment securities – available for sale	280	4,291
Residential mortgage-backed | Mortgage-backed Securities Agency | Fair Value, Recurring
Assets
Investment securities – available for sale	28,388	67,632
Residential mortgage-backed | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale	871	1,158
Residential mortgage-backed | Level 2 | Mortgage-backed Securities Agency | Fair Value, Recurring
Assets
Investment securities – available for sale	28,388	67,632
Residential mortgage-backed | Level 2 | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale		61
Residential mortgage-backed | Level 3 | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale	871	1,097
Commercial mortgage-backed | Mortgage-backed Securities Agency | Fair Value, Recurring
Assets
Investment securities – available for sale	1,755	1,773
Commercial mortgage-backed | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale	1,303	3,436
Commercial mortgage-backed | Level 2 | Mortgage-backed Securities Agency | Fair Value, Recurring
Assets
Investment securities – available for sale	1,755	1,773
Commercial mortgage-backed | Level 2 | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale	1,300	3,433
Commercial mortgage-backed | Level 3 | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale	3	3
Asset-backed | Fair Value, Recurring
Assets
Investment securities – available for sale	132	6,409
Asset-backed | Level 2 | Fair Value, Recurring
Assets
Investment securities – available for sale	5	6,246
Asset-backed | Level 3 | Fair Value, Recurring
Assets
Investment securities – available for sale	127	163
Other | Fair Value, Recurring
Assets
Investment securities – available for sale	3,131	4,964
Other | Level 2 | Fair Value, Recurring
Assets
Investment securities – available for sale	3,062	4,895
Other | Level 3 | Fair Value, Recurring
Assets
Investment securities – available for sale	69	69
Residential mortgage servicing rights | Fair Value, Recurring
Assets
Mortgage servicing rights	2,074	1,078
Residential mortgage servicing rights | Level 3 | Fair Value, Recurring
Assets
Mortgage servicing rights	2,074	1,078
Commercial mortgage servicing rights | Fair Value, Recurring
Assets
Mortgage servicing rights	1,132	740
Commercial mortgage servicing rights | Level 3 | Fair Value, Recurring
Assets
Mortgage servicing rights	$ 1,132	$ 740

Fair Value (Reconciliation of R

Fair Value (Reconciliation of Recurring Fair Value Measurements) (Details) - Fair Value, Recurring - Level 3 - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	$ 6,546	$ 6,305	$ 5,882	$ 5,137
Included in Earnings	481	382	1,283	957
Included in other comprehensive income	(21)	(5)	(102)	17
Purchases	497	213	966	879
Sales	(311)	(733)	(425)	(876)
Issuances	28	46	101	122
Settlements	(207)	(314)	(676)	(903)
Transfers into Level 3	8	4	22	12
Transfers out of Level 3	(16)	(11)	(46)	(29)
Impact from BBVA Acquisition		17		588
Ending Balance	7,005	5,904	7,005	5,904
Unrealized gains/losses on assets held on Consolidated Balance Sheet	379	218	1,183	750
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	398	326	463	318
Included in Earnings	15	210	59	263
Purchases	32		32
Sales	4	3	10	6
Issuances	362	7	608	325
Settlements	(420)	(44)	(781)	(417)
Impact from BBVA Acquisition				7
Ending Balance	391	502	391	502
Unrealized gains/losses on liabilities held on Consolidated Balance Sheet	17	215	61	237
Fair Value Additional Information [Abstract]
Net gains (losses) included in earnings (realized and unrealized) relating to Level 3 assets and liabilities	466	172	1,224	694
Net unrealized gains (losses) relating to Level 3 assets and liabilities	362	3	1,122	513
Loans held for sale | Residential mortgage loans held for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	83	119	81	163
Included in Earnings	(4)	(1)	(6)	(1)
Purchases	46	5	91	43
Sales	(1)	(29)	(33)	(81)
Settlements	(2)	(6)	(11)	(34)
Transfers into Level 3	8	4	22	12
Transfers out of Level 3	(14)	(6)	(28)	(16)
Ending Balance	116	86	116	86
Unrealized gains/losses on assets held on Consolidated Balance Sheet	(4)	(1)	(6)	(1)
Loans held for sale | Commercial mortgage loans held for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	38	52	49	57
Included in Earnings		(1)	(4)	(1)
Sales				(6)
Settlements	(3)		(10)	1
Ending Balance	35	51	35	51
Unrealized gains/losses on assets held on Consolidated Balance Sheet			(4)	1
Loans held for sale | Other consumer loans held for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance		239
Sales		(256)		(256)
Impact from BBVA Acquisition		17		256
Securities available for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	1,133	1,496	1,332	1,647
Included in Earnings	4	11	20	32
Included in other comprehensive income	(21)	(5)	(102)	17
Purchases		2	3	5
Sales		9		(9)
Settlements	(46)	(83)	(183)	(280)
Ending Balance	1,070	1,412	1,070	1,412
Securities available for sale | Residential mortgage-backed
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	925	1,237	1,097	1,365
Included in Earnings	4	10	19	30
Included in other comprehensive income	(18)	(2)	(84)	14
Settlements	(40)	(77)	(161)	(241)
Ending Balance	871	1,168	871	1,168
Securities available for sale | Commercial mortgage-backed
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	3	11	3	11
Included in other comprehensive income		(8)		(8)
Ending Balance	3	3	3	3
Securities available for sale | Asset-backed
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	138	175	163	199
Included in Earnings		1	1	2
Included in other comprehensive income	(5)	5	(18)	10
Settlements	(6)	(9)	(19)	(39)
Ending Balance	127	172	127	172
Securities available for sale | Other
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	67	73	69	72
Included in other comprehensive income	2			1
Purchases		2	3	5
Sales		9		(9)
Settlements		3	(3)
Ending Balance	69	69	69	69
Loans
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	804	979	884	647
Included in Earnings	(1)	12	20	32
Purchases	11	14	31	111
Sales	(2)	(6)	(10)	(12)
Settlements	(35)	(58)	(132)	(121)
Transfers out of Level 3	(2)	(5)	(18)	(13)
Impact from BBVA Acquisition				292
Ending Balance	775	936	775	936
Unrealized gains/losses on assets held on Consolidated Balance Sheet		12	20	32
Equity investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	1,867	1,540	1,680	1,263
Included in Earnings	167	265	312	489
Purchases	69	158	185	290
Sales	(308)	(433)	(382)	(512)
Ending Balance	1,795	1,530	1,795	1,530
Unrealized gains/losses on assets held on Consolidated Balance Sheet	65	95	211	294
Mortgage Servicing Rights | Residential mortgage loans held for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	1,620	1,111	1,078	673
Included in Earnings	135	49	505	203
Purchases	363	28	620	400
Issuances	11	24	49	61
Settlements	(55)	(82)	(178)	(242)
Impact from BBVA Acquisition				35
Ending Balance	2,074	1,130	2,074	1,130
Unrealized gains/losses on assets held on Consolidated Balance Sheet	135	49	506	203
Mortgage Servicing Rights | Commercial mortgage loans held for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	988	682	740	569
Included in Earnings	176	24	438	134
Purchases	7	5	32	26
Issuances	17	22	52	61
Settlements	(56)	(30)	(130)	(87)
Ending Balance	1,132	703	1,132	703
Unrealized gains/losses on assets held on Consolidated Balance Sheet	176	24	438	134
Financial derivatives
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	13	87	38	118
Included in Earnings	4	23	(2)	69
Purchases	1	1	4	4
Settlements	(10)	(55)	(32)	(140)
Impact from BBVA Acquisition				5
Ending Balance	8	56	8	56
Unrealized gains/losses on assets held on Consolidated Balance Sheet	7	39	18	87
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	213	200	285	273
Included in Earnings	(11)	165	12	155
Sales	4	3	10	6
Settlements	(86)	(37)	(187)	(110)
Impact from BBVA Acquisition				7
Ending Balance	120	331	120	331
Unrealized gains/losses on liabilities held on Consolidated Balance Sheet	(7)	171	22	156
Other borrowed funds
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	3	2	3	2
Issuances		3	4	4
Settlements	(1)	(1)	(5)	(2)
Ending Balance	2	4	2	4
Other liabilities
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	182	124	175	43
Included in Earnings	26	45	47	108
Purchases	32		32
Issuances	362	4	604	321
Settlements	(333)	(6)	(589)	(305)
Ending Balance	269	167	269	167
Unrealized gains/losses on liabilities held on Consolidated Balance Sheet	$ 24	$ 44	$ 39	$ 81

Fair Value (Fair Value Measurem

Fair Value (Fair Value Measurements - Recurring Quantitative Information) (Details) - Fair Value, Recurring $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 63,315	$ 147,484
Financial and nonfinancial liabilities, fair value disclosure	(11,619)	(4,518)
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	7,005	5,882
Financial and nonfinancial liabilities, fair value disclosure	(391)	(463)
Total recurring assets net of recurring liabilities - fair value	6,614	5,419
Level 3 | Loans held for sale | Commercial mortgage loans held for sale | Discounted Cash Flow, Spread Over the Benchmark Curve
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 35	$ 49
Level 3 | Loans held for sale | Commercial mortgage loans held for sale | Discounted Cash Flow, Spread Over the Benchmark Curve | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Spread over the benchmark curve	5.80%	5.55%
Level 3 | Loans held for sale | Commercial mortgage loans held for sale | Discounted Cash Flow, Spread Over the Benchmark Curve | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Spread over the benchmark curve	36.65%	159.90%
Level 3 | Loans held for sale | Commercial mortgage loans held for sale | Discounted Cash Flow, Spread Over the Benchmark Curve | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Spread over the benchmark curve	10.04%	99.96%
Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 871	$ 1,097
Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Spread over the benchmark curve	2.33%	1.63%
Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 127	$ 163
Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Spread over the benchmark curve	3.14%	1.82%
Level 3 | Loans - Residential real estate | Discounted cash flow
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 70	$ 109
Level 3 | Loans - Residential real estate | Consensus Pricing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 576	$ 622
Level 3 | Loans - Residential real estate | Consensus Pricing | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cumulative default rate	3.60%	3.60%
Level 3 | Loans - Residential real estate | Consensus Pricing | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cumulative default rate	100%	100%
Level 3 | Loans - Residential real estate | Consensus Pricing | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cumulative default rate	68.20%	74.20%
Level 3 | Loans - Home equity | Consensus Pricing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 25	$ 28
Level 3 | Loans - Home equity | Consensus Pricing | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cumulative default rate	3.60%	3.60%
Level 3 | Loans - Home equity | Consensus Pricing | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cumulative default rate	100%	100%
Level 3 | Loans - Home equity | Consensus Pricing | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cumulative default rate	74.30%	75.80%
Level 3 | Loans - Home equity | Consensus Pricing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 104	$ 125
Level 3 | Equity investments | Multiple of adjusted earnings
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 1,795	$ 1,680
Level 3 | Equity investments | Multiple of adjusted earnings | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Multiple of earnings	0.050	0.050
Level 3 | Equity investments | Multiple of adjusted earnings | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Multiple of earnings	0.866	0.144
Level 3 | Equity investments | Multiple of adjusted earnings | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Multiple of earnings	0.098	0.088
Level 3 | Mortgage Servicing Rights | Commercial mortgage loans held for sale | Discounted cash flow
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 1,132	$ 740
Level 3 | Mortgage Servicing Rights | Residential mortgage loans held for sale | Discounted cash flow
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value	$ 2,074	$ 1,078
Level 3 | Mortgage Servicing Rights | Residential mortgage loans held for sale | Discounted cash flow | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Spread over the benchmark curve	2.54%	2.49%
Level 3 | Mortgage Servicing Rights | Residential mortgage loans held for sale | Discounted cash flow | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Spread over the benchmark curve	16.56%	22.18%
Level 3 | Mortgage Servicing Rights | Residential mortgage loans held for sale | Discounted cash flow | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Spread over the benchmark curve	7.59%	8.57%
Level 3 | Financial derivatives | Visa Class B Swap | Discounted cash flow
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial and nonfinancial liabilities, fair value disclosure	$ (100)	$ (277)
Estimated growth rate of Visa Class A share price	16%	16%
Level 3 | Financial derivatives | Visa Class B Swap | Discounted cash flow | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated conversion factor of Class B shares into Class A shares	160.60%	161.80%
Level 3 | Insignificant Assets, Net of Liabilities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring assets - fair value		$ 5
Financial and nonfinancial liabilities, fair value disclosure	$ (95)
Measurement Input, Constant Prepayment Rate | Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.010	0.010
Measurement Input, Constant Prepayment Rate | Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.279	0.307
Measurement Input, Constant Prepayment Rate | Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.101	0.113
Measurement Input, Constant Prepayment Rate | Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.010	0.010
Measurement Input, Constant Prepayment Rate | Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.400	0.400
Measurement Input, Constant Prepayment Rate | Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.090	0.111
Measurement Input, Constant Prepayment Rate | Level 3 | Mortgage Servicing Rights | Commercial mortgage loans held for sale | Discounted cash flow | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.039	0.050
Measurement Input, Constant Prepayment Rate | Level 3 | Mortgage Servicing Rights | Commercial mortgage loans held for sale | Discounted cash flow | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.100	0.155
Measurement Input, Constant Prepayment Rate | Level 3 | Mortgage Servicing Rights | Commercial mortgage loans held for sale | Discounted cash flow | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.042	0.055
Measurement Input, Constant Prepayment Rate | Level 3 | Mortgage Servicing Rights | Residential mortgage loans held for sale | Discounted cash flow | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0	0
Measurement Input, Constant Prepayment Rate | Level 3 | Mortgage Servicing Rights | Residential mortgage loans held for sale | Discounted cash flow | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.356	0.410
Measurement Input, Constant Prepayment Rate | Level 3 | Mortgage Servicing Rights | Residential mortgage loans held for sale | Discounted cash flow | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.068	0.126
Measurement Input, Constant Default Rate | Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0	0
Measurement Input, Constant Default Rate | Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.130	0.169
Measurement Input, Constant Default Rate | Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.041	0.046
Measurement Input, Constant Default Rate | Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0	0.014
Measurement Input, Constant Default Rate | Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.073	0.200
Measurement Input, Constant Default Rate | Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.022	0.032
Measurement Input, Loss Severity | Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.150	0.200
Measurement Input, Loss Severity | Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.800	0.964
Measurement Input, Loss Severity | Level 3 | Securities available for sale | Residential mortgage-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.461	0.476
Measurement Input, Loss Severity | Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.150	0.080
Measurement Input, Loss Severity | Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	1	1
Measurement Input, Loss Severity | Level 3 | Securities available for sale | Asset-backed | Priced By A Third Party Vendor Using Discounted Cash Flow Pricing Model | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.485	0.574
Measurement Input, Loss Severity | Level 3 | Loans - Residential real estate | Discounted cash flow | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0.060	0.060
Measurement Input, Loss Severity | Level 3 | Loans - Residential real estate | Consensus Pricing | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0	0
Measurement Input, Loss Severity | Level 3 | Loans - Residential real estate | Consensus Pricing | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	1	1
Measurement Input, Loss Severity | Level 3 | Loans - Residential real estate | Consensus Pricing | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0.060	0.069
Measurement Input, Loss Severity | Level 3 | Loans - Home equity | Consensus Pricing | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0	0
Measurement Input, Loss Severity | Level 3 | Loans - Home equity | Consensus Pricing | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	1	0.984
Measurement Input, Loss Severity | Level 3 | Loans - Home equity | Consensus Pricing | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0.182	0.177
Measurement Input, Discount Rate | Level 3 | Loans - Residential real estate | Discounted cash flow | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0.072	0.035
Measurement Input, Discount Rate | Level 3 | Loans - Residential real estate | Consensus Pricing | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0.055	0.048
Measurement Input, Discount Rate | Level 3 | Loans - Residential real estate | Consensus Pricing | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0.075	0.068
Measurement Input, Discount Rate | Level 3 | Loans - Residential real estate | Consensus Pricing | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0.059	0.052
Measurement Input, Discount Rate | Level 3 | Loans - Home equity | Consensus Pricing | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0.055	0.048
Measurement Input, Discount Rate | Level 3 | Loans - Home equity | Consensus Pricing | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0.075	0.068
Measurement Input, Discount Rate | Level 3 | Loans - Home equity | Consensus Pricing | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, measurement input	0.066	0.060
Measurement Input, Discount Rate | Level 3 | Mortgage Servicing Rights | Commercial mortgage loans held for sale | Discounted cash flow | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.077	0.054
Measurement Input, Discount Rate | Level 3 | Mortgage Servicing Rights | Commercial mortgage loans held for sale | Discounted cash flow | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.101	0.080
Measurement Input, Discount Rate | Level 3 | Mortgage Servicing Rights | Commercial mortgage loans held for sale | Discounted cash flow | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.097	0.078
Credit And Liquidity Discount | Level 3 | Loans - Home equity | Consensus Pricing | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Credit and liquidity discount	0.40%	0.50%
Credit And Liquidity Discount | Level 3 | Loans - Home equity | Consensus Pricing | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Credit and liquidity discount	100%	100%
Credit And Liquidity Discount | Level 3 | Loans - Home equity | Consensus Pricing | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Credit and liquidity discount	45.70%	47.30%

Fair Value (Nonrecurring Fair V

Fair Value (Nonrecurring Fair Value Measurements) (Details) - Fair Value, Nonrecurring - Level 3 - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	$ 253		$ 253		$ 457
Nonrecurring Assets - Gains (Losses)	(112)	$ (10)	(150)	$ (38)
Nonaccrual loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	211		211		348
Nonrecurring Assets - Gains (Losses)	(111)	(3)	(145)	(3)
Equity investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	30		30
Nonrecurring Assets - Gains (Losses)
Loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Gains (Losses)		(1)		(18)
OREO and foreclosed assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	9		9		6
Nonrecurring Assets - Gains (Losses)
Long-lived assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	3		3		$ 103
Nonrecurring Assets - Gains (Losses)	$ (1)	$ (6)	$ (5)	$ (17)

Fair Value (Fair Value Option -

Fair Value (Fair Value Option - Fair Value and Principal Balances) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	$ 1,278	$ 1,501
Aggregate unpaid principal balance of assets for which fair value option was elected	1,543	1,804
Fair value option aggregate difference assets	(265)	(303)
Other assets
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	101	105
Aggregate unpaid principal balance of assets for which fair value option was elected	114	107
Fair value option aggregate difference assets	(13)	(2)
Other borrowed funds
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value of liabilities for which fair value option was elected	20	30
Aggregate unpaid principal balance, other borrowed funds	20	30
Difference, Other borrowed funds
Other liabilities
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value of liabilities for which fair value option was elected	175
Difference, Other borrowed funds	175
Accruing loans less than 90 days past due | Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	472	487
Aggregate unpaid principal balance of assets for which fair value option was elected	484	498
Fair value option aggregate difference assets	(12)	(11)
Accruing loans 90 days or more past due | Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	152	262
Aggregate unpaid principal balance of assets for which fair value option was elected	166	278
Fair value option aggregate difference assets	(14)	(16)
Nonaccrual loans | Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	654	752
Aggregate unpaid principal balance of assets for which fair value option was elected	893	1,028
Fair value option aggregate difference assets	(239)	(276)
Residential mortgage loans held for sale | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	835	1,302
Aggregate unpaid principal balance of assets for which fair value option was elected	872	1,282
Fair value option aggregate difference assets	(37)	20
Residential mortgage loans held for sale | Accruing loans less than 90 days past due | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	769	1,249
Aggregate unpaid principal balance of assets for which fair value option was elected	794	1,219
Fair value option aggregate difference assets	(25)	30
Residential mortgage loans held for sale | Accruing loans 90 days or more past due | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	8	6
Aggregate unpaid principal balance of assets for which fair value option was elected	8	6
Residential mortgage loans held for sale | Nonaccrual loans | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	58	47
Aggregate unpaid principal balance of assets for which fair value option was elected	70	57
Fair value option aggregate difference assets	(12)	(10)
Commercial mortgage loans held for sale | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	235	575
Aggregate unpaid principal balance of assets for which fair value option was elected	267	580
Fair value option aggregate difference assets	(32)	(5)
Commercial mortgage loans held for sale | Accruing loans less than 90 days past due | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	218	575
Aggregate unpaid principal balance of assets for which fair value option was elected	222	580
Fair value option aggregate difference assets	(4)	(5)
Commercial mortgage loans held for sale | Nonaccrual loans | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	17
Aggregate unpaid principal balance of assets for which fair value option was elected	45
Fair value option aggregate difference assets	$ (28)

Fair Value (Fair Value Option_2

Fair Value (Fair Value Option - Changes in Fair Value) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Loans held for sale | Residential mortgage loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Gains (losses) - FVO: changes in fair value	$ (29)	$ 47	$ (92)	$ 120
Loans held for sale | Commercial mortgage loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Gains (losses) - FVO: changes in fair value	14	31	34	77
Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Gains (losses) - FVO: changes in fair value	1	21	37	52
Other assets
Fair Value, Option, Quantitative Disclosures [Line Items]
Gains (losses) - FVO: changes in fair value	(3)	$ 3	(21)	$ 25
Other liabilities
Fair Value, Option, Quantitative Disclosures [Line Items]
Gains (losses) - FVO: changes in fair value	$ (24)		$ (40)

Fair Value (Additional Fair Val

Fair Value (Additional Fair Value Information Related To Financial Instruments) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Financial Instruments, Financial Assets, Balance Sheet Groupings
Securities held to maturity	$ 85,188
Carrying Amount
Financial Instruments, Financial Assets, Balance Sheet Groupings
Cash and due from banks	6,548	$ 8,004
Interest-earning deposits with banks	40,278	74,250
Securities held to maturity	90,660	1,429
Net loans (excludes leases)	303,348	275,874
Other assets	6,178	4,205
Total assets	447,012	363,762
Financial Instruments, Financial Liabilities, Balance Sheet Groupings
Time deposits	10,034	17,366
Borrowed funds	52,946	30,011
Unfunded lending related commitments	682	662
Other liabilities	551	449
Total liabilities	64,213	48,488
Fair Value
Financial Instruments, Financial Assets, Balance Sheet Groupings
Cash and due from banks	6,548	8,004
Interest-earning deposits with banks	40,278	74,250
Securities held to maturity	85,189	1,522
Net loans (excludes leases)	299,519	280,498
Other assets	6,147	4,204
Total assets	437,681	368,478
Financial Instruments, Financial Liabilities, Balance Sheet Groupings
Time deposits	9,661	17,180
Borrowed funds	52,700	30,616
Unfunded lending related commitments	682	662
Other liabilities	551	449
Total liabilities	63,594	48,907
Fair Value | Level 1
Financial Instruments, Financial Assets, Balance Sheet Groupings
Cash and due from banks	6,548	8,004
Securities held to maturity	30,614	890
Total assets	37,162	8,894
Fair Value | Level 2
Financial Instruments, Financial Assets, Balance Sheet Groupings
Interest-earning deposits with banks	40,278	74,250
Securities held to maturity	54,431	456
Other assets	6,144	4,141
Total assets	100,853	78,847
Financial Instruments, Financial Liabilities, Balance Sheet Groupings
Time deposits	9,661	17,180
Borrowed funds	50,981	28,936
Other liabilities	551	449
Total liabilities	61,193	46,565
Fair Value | Level 3
Financial Instruments, Financial Assets, Balance Sheet Groupings
Securities held to maturity	144	176
Net loans (excludes leases)	299,519	280,498
Other assets	3	63
Total assets	299,666	280,737
Financial Instruments, Financial Liabilities, Balance Sheet Groupings
Borrowed funds	1,719	1,680
Unfunded lending related commitments	682	662
Total liabilities	$ 2,401	$ 2,342

Financial Derivatives (Total De

Financial Derivatives (Total Derivatives) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Derivative [Line Items]
Derivative, notional amount	$ 573,577	$ 515,302
Derivative asset, fair value	5,868	5,152
Derivative liability, fair value	9,737	3,570
Derivative asset, fair value offset amount	1,774	928
Derivative liability, fair value offset amount	1,774	928
Derivative asset, cash collateral	1,282	604
Derivative liability, cash collateral	2,572	1,657
Derivative asset, net fair value	2,812	3,620
Derivative liability, net fair value	5,391	985
Commodity contracts:
Derivative [Line Items]
Derivative asset, fair value	2,575	1,363
Derivative liability, fair value	2,673	1,373
Derivative asset, cash collateral	105	1
Derivative liability, cash collateral	1,548	784
Foreign exchange contracts and other
Derivative [Line Items]
Derivative asset, fair value	977	208
Derivative liability, fair value	689	542
Derivative asset, cash collateral	387	10
Derivative liability, cash collateral	9	97
Designated as Hedging Instruments under GAAP
Derivative [Line Items]
Derivative, notional amount	65,265	73,419
Derivative asset, fair value	176	15
Derivative liability, fair value	171	38
Designated as Hedging Instruments under GAAP | Fair value hedges | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	22,222	23,345
Designated as Hedging Instruments under GAAP | Cash flow hedges | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	41,700	48,961
Derivative asset, fair value		15
Derivative liability, fair value	170	14
Designated as Hedging Instruments under GAAP | Net investment hedges | Foreign exchange contracts:
Derivative [Line Items]
Derivative, notional amount	1,343	1,113
Derivative asset, fair value	176
Derivative liability, fair value	1	24
Not Designated as Hedging Instrument under GAAP
Derivative [Line Items]
Derivative, notional amount	508,312	441,883
Derivative asset, fair value	5,692	5,137
Derivative liability, fair value	9,566	3,532
Not Designated as Hedging Instrument under GAAP | Mortgage Banking | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	88,360	62,357
Derivative asset, fair value	345	101
Derivative liability, fair value	176	43
Not Designated as Hedging Instrument under GAAP | Mortgage Banking | Swaps | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	55,098	35,623
Derivative liability, fair value	35
Not Designated as Hedging Instrument under GAAP | Mortgage Banking | Futures | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	7,020	4,592
Not Designated as Hedging Instrument under GAAP | Mortgage Banking | Mortgage-backed commitments | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	5,539	9,917
Derivative asset, fair value	170	55
Derivative liability, fair value	125	31
Not Designated as Hedging Instrument under GAAP | Mortgage Banking | Other | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	20,703	12,225
Derivative asset, fair value	175	46
Derivative liability, fair value	16	12
Not Designated as Hedging Instrument under GAAP | Customer Contracts
Derivative [Line Items]
Derivative, notional amount	408,022	368,014
Derivative asset, fair value	5,147	5,027
Derivative liability, fair value	9,268	3,150
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	365,863	328,483
Derivative asset, fair value	1,971	3,465
Derivative liability, fair value	6,029	1,598
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Commodity contracts:
Derivative [Line Items]
Derivative, notional amount	13,175	11,968
Derivative asset, fair value	2,575	1,363
Derivative liability, fair value	2,673	1,373
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Foreign exchange contracts and other
Derivative [Line Items]
Derivative, notional amount	28,984	27,563
Derivative asset, fair value	601	199
Derivative liability, fair value	566	179
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Swaps | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	333,106	297,711
Derivative asset, fair value	1,593	3,335
Derivative liability, fair value	5,693	1,520
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Swaps | Commodity contracts:
Derivative [Line Items]
Derivative, notional amount	7,868	8,840
Derivative asset, fair value	2,105	1,150
Derivative liability, fair value	2,206	1,161
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Futures | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	896	907
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Mortgage-backed commitments | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	2,119	4,147
Derivative asset, fair value	39	5
Derivative liability, fair value	16	6
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Other | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	29,742	25,718
Derivative asset, fair value	339	125
Derivative liability, fair value	320	72
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Other | Commodity contracts:
Derivative [Line Items]
Derivative, notional amount	5,307	3,128
Derivative asset, fair value	470	213
Derivative liability, fair value	467	212
Not Designated as Hedging Instrument under GAAP | Other Risk Management Activity | Foreign exchange contracts and other
Derivative [Line Items]
Derivative, notional amount	11,930	11,512
Derivative asset, fair value	200	9
Derivative liability, fair value	$ 122	$ 339

Financial Derivatives (Narrativ

Financial Derivatives (Narrative) (Details) - USD ($)	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Derivative [Line Items]
Cash and securities held to collateralize net derivative assets	$ 2,200,000,000
Cash and securities pledged to collateralize net derivative liabilities	3,900,000,000
Cash flow hedges | Interest Rate Contracts
Derivative [Line Items]
Cash flow hedge loss to be reclassified within twelve months	1,200,000,000
Cash flow hedge loss to be reclassified within twelve months, net of tax	$ 1,000,000,000
Maximum length of time hedged in cash flow hedge	10 years
Net investment hedges | Foreign exchange contracts:
Derivative [Line Items]
Gain (loss) from components excluded from assessment of net investment hedge effectiveness net	$ 0	$ 0

Financial Derivatives (Gains (L

Financial Derivatives (Gains (Losses) Recognized on Fair Value and Cash Flow Hedges in the Consolidated Income Statement) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Loans	$ 3,138	$ 2,437	$ 7,935	$ 6,593
Investment Securities	715	460	1,890	1,350
Borrowed Funds	317	90	542	275
Noninterest income	2,074	2,341	6,027	6,299
Other
Derivative Instruments, Gain (Loss) [Line Items]
Noninterest income	317	268	705	907
Fair value hedges | Designated as Hedging Instrument | Investment Securities | Interest Income
Derivative Instruments, Gain (Loss) [Line Items]
Hedged items	(85)	2	(131)	(3)
Derivatives	86		135	7
Amounts related to interest settlements on derivatives	(1)	(1)	(4)	(3)
Fair value hedges | Designated as Hedging Instrument | Borrowed Funds | Interest Expense
Derivative Instruments, Gain (Loss) [Line Items]
Hedged items	696	155	2,073	695
Derivatives	(706)	(169)	(2,101)	(740)
Amounts related to interest settlements on derivatives	1	129	185	394
Cash flow hedges | Designated as Hedging Instrument | Loans | Interest Income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of derivative gains (losses) reclassified from accumulated other comprehensive income	(122)	91	(5)	282
Cash flow hedges | Designated as Hedging Instrument | Investment Securities | Interest Income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of derivative gains (losses) reclassified from accumulated other comprehensive income	$ (7)	11	$ 3	49
Cash flow hedges | Designated as Hedging Instrument | Other | Noninterest Income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of derivative gains (losses) reclassified from accumulated other comprehensive income		$ 13		$ 27

Financial Derivatives (Impact o

Financial Derivatives (Impact of Fair Value Hedge Accounting on the Carrying Value of Hedged Items) (Details) - Fair value hedges - Designated as Hedging Instruments under GAAP - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Carrying Value of the Hedged Items	$ 2,356	$ 2,655
Cumulative Fair Value Hedge Adjustment included in the Carrying Value of Hedged Items	(114)	23
Borrowed Funds
Derivative Instruments, Gain (Loss) [Line Items]
Carrying Value of the Hedged Items	19,633	24,259
Cumulative Fair Value Hedge Adjustment included in the Carrying Value of Hedged Items	(1,411)	663
Borrowed Funds Discontinued Relationships
Derivative Instruments, Gain (Loss) [Line Items]
Cumulative fair value hedge adjustment included in carrying value of hedged items	$ (100)	$ (100)

Financial Derivatives (Gains _2

Financial Derivatives (Gains (Losses) on Derivatives Not Designated As Hedging Instruments under GAAP) (Details) - Not Designated as Hedging Instrument - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	$ 127	$ (47)	$ 125	$ 28
Mortgage Banking | Interest Rate Contracts
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	(245)	6	(700)	(100)
Customer Contracts
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	63	19	253	181
Customer Contracts | Interest Rate Contracts
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	65	(4)	231	93
Customer Contracts | Foreign exchange contracts and other
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	(2)	23	22	88
Other Risk Management Activity | Foreign exchange contracts and other
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	$ 309	$ (72)	$ 572	$ (53)

Financial Derivatives (Derivati

Financial Derivatives (Derivative Assets and Liabilities Offsetting) (Details) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Offsetting Derivative Assets [Abstract]
Derivative asset, gross fair value	$ 5,868	$ 5,152
Derivative Asset, Fair Value Offset Amount	1,774	928
Derivative asset, cash collateral	1,282	604
Derivative Asset, Net	2,812	3,620
Derivative Asset, Securities Collateral Held Under Master Netting Agreements	35	300
Derivative Asset, Fair Value, Amount Offset Against Collateral	2,777	3,320
Offsetting Derivative Liabilities [Abstract]
Derivative liability, gross fair value	9,737	3,570
Derivative liability, fair value offset amount	1,774	928
Derivative liability, cash collateral	2,572	1,657
Derivative liability, net	5,391	985
Derivative liability, fair value of collateral	79
Derivative liability, fair value, amount offset against collateral	5,312	985
Interest Rate Contracts | Over-the-counter cleared
Offsetting Derivative Assets [Abstract]
Derivative asset, gross fair value	140	20
Derivative Asset, Net	140	20
Derivative Asset, Fair Value, Amount Offset Against Collateral	140	20
Offsetting Derivative Liabilities [Abstract]
Derivative liability, gross fair value	244	12
Derivative liability, net	244	12
Derivative liability, fair value, amount offset against collateral	244	12
Interest Rate Contracts | Over-the-counter
Offsetting Derivative Assets [Abstract]
Derivative asset, gross fair value	2,176	3,561
Derivative Asset, Fair Value Offset Amount	873	533
Derivative asset, cash collateral	790	593
Derivative Asset, Net	513	2,435
Derivative Asset, Securities Collateral Held Under Master Netting Agreements	35	300
Derivative Asset, Fair Value, Amount Offset Against Collateral	478	2,135
Offsetting Derivative Liabilities [Abstract]
Derivative liability, gross fair value	6,131	1,643
Derivative liability, fair value offset amount	550	569
Derivative liability, cash collateral	1,015	776
Derivative liability, net	4,566	298
Derivative liability, fair value of collateral	79
Derivative liability, fair value, amount offset against collateral	4,487	298
Commodity contracts:
Offsetting Derivative Assets [Abstract]
Derivative asset, gross fair value	2,575	1,363
Derivative Asset, Fair Value Offset Amount	555	299
Derivative asset, cash collateral	105	1
Derivative Asset, Net	1,915	1,063
Derivative Asset, Fair Value, Amount Offset Against Collateral	1,915	1,063
Offsetting Derivative Liabilities [Abstract]
Derivative liability, gross fair value	2,673	1,373
Derivative liability, fair value offset amount	1,012	291
Derivative liability, cash collateral	1,548	784
Derivative liability, net	113	298
Derivative liability, fair value, amount offset against collateral	113	298
Foreign exchange contracts and other
Offsetting Derivative Assets [Abstract]
Derivative asset, gross fair value	977	208
Derivative Asset, Fair Value Offset Amount	346	96
Derivative asset, cash collateral	387	10
Derivative Asset, Net	244	102
Derivative Asset, Fair Value, Amount Offset Against Collateral	244	102
Offsetting Derivative Liabilities [Abstract]
Derivative liability, gross fair value	689	542
Derivative liability, fair value offset amount	212	68
Derivative liability, cash collateral	9	97
Derivative liability, net	468	377
Derivative liability, fair value, amount offset against collateral	$ 468	$ 377

Financial Derivatives (Credit-R

Financial Derivatives (Credit-Risk Contingent Features) (Details) - USD ($) $ in Billions	Sep. 30, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative, net liability position, aggregate fair value	$ 7.5	$ 2.4
Collateral already posted, aggregate fair value	2.7	1.8
Maximum amount of collateral PNC would have been required to post if the credit-risk-related contingent features underlying these agreements had been triggered	$ 4.8	$ 0.6

Legal Proceedings (Narrative) (

Legal Proceedings (Narrative) (Details) $ in Millions	1 Months Ended
	Sep. 30, 2022 USD ($)
The First Consolidated Cases | Judicial Ruling
Loss Contingencies [Line Items]
Litigation settlement, amount awarded to other party	$ 4.3
SEC Schedule, 12-09, Reserve, Legal | Maximum
Loss Contingencies [Line Items]
Range of possible loss not accrued	$ 300

Segment Reporting (Narrative) (

Segment Reporting (Narrative) (Details)	9 Months Ended
	Sep. 30, 2022 segment operating_unit
Segment Reporting [Abstract]
Segment reporting, number of segments | segment	3
Number of distinct operating units | operating_unit	2

Segment Reporting (Segment Repo

Segment Reporting (Segment Reporting Table) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Segment Reporting Information [Line Items]
Net interest income	$ 3,475	$ 2,856	$ 9,330	$ 7,785
Noninterest income	2,074	2,341	6,027	6,299
Total revenue	5,549	5,197	15,357	14,084
Provision for (recapture of) credit losses	241	(203)	69	(452)
Depreciation and amortization	277	277	843	767
Other noninterest expense	3,003	3,310	8,853	8,444
Income (loss) before income taxes (benefit) and noncontrolling interests	2,028	1,813	5,592	5,325
Income taxes (benefit)	388	323	1,027	906
Net income	1,640	1,490	4,565	4,419
Less: Net income (loss) attributable to noncontrolling interests	16	16	52	38
Net income excluding noncontrolling interests	1,624	1,474	4,513	4,381
Average Assets	547,097	559,242	548,443	510,964
Retail Banking
Segment Reporting Information [Line Items]
Noninterest income	725	662	2,218	2,022
Retail Banking | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	2,017	1,713	5,210	4,572
Noninterest income	725	662	2,218	2,022
Total revenue	2,742	2,375	7,428	6,594
Provision for (recapture of) credit losses	92	(113)	66	(156)
Depreciation and amortization	76	78	233	214
Other noninterest expense	1,825	1,811	5,473	4,828
Income (loss) before income taxes (benefit) and noncontrolling interests	749	599	1,656	1,708
Income taxes (benefit)	175	140	389	396
Net income	574	459	1,267	1,312
Less: Net income (loss) attributable to noncontrolling interests	14	12	45	26
Net income excluding noncontrolling interests	560	447	1,222	1,286
Average Assets	114,619	117,394	113,157	103,820
Corporate & Institutional Banking
Segment Reporting Information [Line Items]
Noninterest income	887	1,056	2,659	2,730
Corporate & Institutional Banking | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	1,345	1,241	3,720	3,315
Noninterest income	887	1,056	2,659	2,730
Total revenue	2,232	2,297	6,379	6,045
Provision for (recapture of) credit losses	150	(99)	15	(277)
Depreciation and amortization	50	54	153	152
Other noninterest expense	840	926	2,508	2,352
Income (loss) before income taxes (benefit) and noncontrolling interests	1,192	1,416	3,703	3,818
Income taxes (benefit)	258	290	803	818
Net income	934	1,126	2,900	3,000
Less: Net income (loss) attributable to noncontrolling interests	5	3	12	10
Net income excluding noncontrolling interests	929	1,123	2,888	2,990
Average Assets	224,984	202,268	215,163	184,964
Asset Management Group
Segment Reporting Information [Line Items]
Noninterest income	231	256	713	729
Asset Management Group | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	165	141	456	346
Noninterest income	231	256	713	729
Total revenue	396	397	1,169	1,075
Provision for (recapture of) credit losses	4	(6)	11	8
Depreciation and amortization	6	7	20	16
Other noninterest expense	268	248	775	660
Income (loss) before income taxes (benefit) and noncontrolling interests	118	148	363	391
Income taxes (benefit)	28	34	85	91
Net income	90	114	278	300
Net income excluding noncontrolling interests	90	114	278	300
Average Assets	14,820	13,805	14,360	11,124
Other
Segment Reporting Information [Line Items]
Net interest income	(52)	(239)	(56)	(448)
Noninterest income	231	367	437	818
Total revenue	179	128	381	370
Provision for (recapture of) credit losses	(5)	15	(23)	(27)
Depreciation and amortization	145	138	437	385
Other noninterest expense	70	325	97	604
Income (loss) before income taxes (benefit) and noncontrolling interests	(31)	(350)	(130)	(592)
Income taxes (benefit)	(73)	(141)	(250)	(399)
Net income	42	(209)	120	(193)
Less: Net income (loss) attributable to noncontrolling interests	(3)	1	(5)	2
Net income excluding noncontrolling interests	45	(210)	125	(195)
Average Assets	$ 192,674	$ 225,775	$ 205,763	$ 211,056

Fee-Based Revenue from Contra_3

Fee-Based Revenue from Contracts with Customers (Narrative) (Details)	9 Months Ended
	Sep. 30, 2022 segment
Revenue from Contract with Customer [Abstract]
Segment reporting, number of segments	3

Fee-Based Revenue from Contra_4

Fee-Based Revenue from Contracts with Customers (Noninterest Income by Business Segment and Reconciliation to Consolidated Noninterest Income) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Disaggregation of Revenue [Line Items]
Noninterest income	$ 2,074	$ 2,341	$ 6,027	$ 6,299
Total in-scope noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income	1,390	1,606	4,243	4,170
Out-of-Scope
Disaggregation of Revenue [Line Items]
Noninterest income	453	368	1,347	1,311
Other
Disaggregation of Revenue [Line Items]
Noninterest income	317	268	705	907
Retail Banking
Disaggregation of Revenue [Line Items]
Noninterest income	725	662	2,218	2,022
Retail Banking | Asset management and brokerage
Disaggregation of Revenue [Line Items]
Noninterest income	131	123	400	334
Retail Banking | Card and cash management
Disaggregation of Revenue [Line Items]
Noninterest income	317	328	935	888
Retail Banking | Lending and deposit services
Disaggregation of Revenue [Line Items]
Noninterest income	162	173	483	448
Retail Banking | Total in-scope noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income	610	624	1,818	1,670
Retail Banking | Out-of-Scope
Disaggregation of Revenue [Line Items]
Noninterest income	115	38	400	352
Retail Banking | Brokerage fees | Asset management and brokerage
Disaggregation of Revenue [Line Items]
Noninterest income	131	123	400	334
Retail Banking | Treasury management fees | Card and cash management
Disaggregation of Revenue [Line Items]
Noninterest income	11	15	30	33
Retail Banking | Debit card fees | Card and cash management
Disaggregation of Revenue [Line Items]
Noninterest income	175	184	513	486
Retail Banking | Net credit card fees | Card and cash management
Disaggregation of Revenue [Line Items]
Noninterest income	60	53	178	157
Retail Banking | Merchant services | Card and cash management
Disaggregation of Revenue [Line Items]
Noninterest income	48	46	141	125
Retail Banking | Other | Card and cash management
Disaggregation of Revenue [Line Items]
Noninterest income	23	30	73	87
Retail Banking | Deposit account fees | Lending and deposit services
Disaggregation of Revenue [Line Items]
Noninterest income	146	158	433	406
Retail Banking | Other | Lending and deposit services
Disaggregation of Revenue [Line Items]
Noninterest income	16	15	50	42
Retail Banking | Net credit card fees | In-Scope
Disaggregation of Revenue [Line Items]
Interchange fees	169	155	489	421
Credit card reward costs	109	102	311	264
Corporate & Institutional Banking
Disaggregation of Revenue [Line Items]
Noninterest income	887	1,056	2,659	2,730
Corporate & Institutional Banking | Card and cash management
Disaggregation of Revenue [Line Items]
Noninterest income	344	323	1,004	837
Corporate & Institutional Banking | Lending and deposit services
Disaggregation of Revenue [Line Items]
Noninterest income	8	8	25	28
Corporate & Institutional Banking | Total in-scope noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income	554	730	1,726	1,781
Corporate & Institutional Banking | Out-of-Scope
Disaggregation of Revenue [Line Items]
Noninterest income	333	326	933	949
Corporate & Institutional Banking | Treasury management fees | Card and cash management
Disaggregation of Revenue [Line Items]
Noninterest income	328	306	957	793
Corporate & Institutional Banking | Merchant services | Card and cash management
Disaggregation of Revenue [Line Items]
Noninterest income	16	17	47	44
Corporate & Institutional Banking | Other | Lending and deposit services
Disaggregation of Revenue [Line Items]
Noninterest income	8	8	25	28
Corporate & Institutional Banking | Residential and commercial mortgage
Disaggregation of Revenue [Line Items]
Noninterest income	36	36	100	102
Corporate & Institutional Banking | Capital markets related
Disaggregation of Revenue [Line Items]
Noninterest income	155	354	564	778
Corporate & Institutional Banking | Other
Disaggregation of Revenue [Line Items]
Noninterest income	11	9	33	36
Asset Management Group
Disaggregation of Revenue [Line Items]
Noninterest income	231	256	713	729
Asset Management Group | Asset management and brokerage
Disaggregation of Revenue [Line Items]
Noninterest income	226	252	699	719
Asset Management Group | Total in-scope noninterest income
Disaggregation of Revenue [Line Items]
Noninterest income	226	252	699	719
Asset Management Group | Out-of-Scope
Disaggregation of Revenue [Line Items]
Noninterest income	5	4	14	10
Asset Management Group | Asset management fees | Asset management and brokerage
Disaggregation of Revenue [Line Items]
Noninterest income	224	248	693	713
Asset Management Group | Brokerage fees | Asset management and brokerage
Disaggregation of Revenue [Line Items]
Noninterest income	2	4	6	6
Other
Disaggregation of Revenue [Line Items]
Noninterest income	$ 231	$ 367	$ 437	$ 818

Subsequent Events (Details)

Subsequent Events (Details) $ / shares in Units, shares in Millions, $ in Millions			3 Months Ended		9 Months Ended
	Nov. 01, 2022 USD ($) $ / shares shares	Oct. 28, 2022 USD ($)	Sep. 30, 2022 $ / shares	Sep. 30, 2021 $ / shares	Sep. 30, 2022 $ / shares	Sep. 30, 2021 $ / shares
Series P Preferred Stock
Subsequent Event [Line Items]
Cash dividends declared, Preferred, per share (in dollars per share) | $ / shares			$ 1,368	$ 1,531	$ 4,431	$ 4,594
Subsequent Event
Subsequent Event [Line Items]
Depository shares redeemed (in shares) | shares	60
Subsequent Event | Senior debt | 2025 Senior Notes
Subsequent Event [Line Items]
Debt instrument, face amount | $		$ 1,000
Interest rate		5.671%
Subsequent Event | Senior debt | 2025 Senior Notes | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Subsequent Event [Line Items]
Debt instrument, basis spread on variable rate		1.09%
Subsequent Event | Senior debt | 2033 Senior Notes
Subsequent Event [Line Items]
Debt instrument, face amount | $		$ 1,500
Interest rate		6.037%
Subsequent Event | Senior debt | 2033 Senior Notes | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Subsequent Event [Line Items]
Debt instrument, basis spread on variable rate		2.14%
Subsequent Event | Series P Preferred Stock
Subsequent Event [Line Items]
Depository shares | $	$ 1,500
Preferred stock, redemption price per share (in dollars per share) | $ / shares	$ 25
Cash dividends declared, Preferred, per share (in dollars per share) | $ / shares	$ 0.43763
Interest in preferred stock	0.00025