The PNC Financial Services Group, Inc. (PNC) 10-Q 2 Aug 24 2024 Q2 Quarterly report Financial data

Cover Page

Cover Page - shares	6 Months Ended
	Jun. 30, 2024	Jul. 15, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
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		397,496,265
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q2
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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest Income
Loans	$ 4,842	$ 4,523	$ 9,661	$ 8,781
Investment securities	1,001	883	1,884	1,768
Other	725	538	1,523	1,054
Total interest income	6,568	5,944	13,068	11,603
Interest Expense
Deposits	2,084	1,531	4,161	2,822
Borrowed funds	1,182	903	2,341	1,686
Total interest expense	3,266	2,434	6,502	4,508
Net interest income	3,302	3,510	6,566	7,095
Noninterest Income
Asset management and brokerage	364	348	728	704
Capital markets and advisory	272	213	531	475
Card and cash management	706	697	1,377	1,356
Lending and deposit services	304	298	609	604
Residential and commercial mortgage	131	98	278	275
Other income
Gain on Visa shares exchange program	754		754
Securities gains (losses)	(499)	(2)	(499)	(2)
Other	77	131	212	389
Total other income	332	129	467	387
Total noninterest income	2,109	1,783	3,990	3,801
Total revenue	5,411	5,293	10,556	10,896
Provision For Credit Losses	235	146	390	381
Noninterest Expense
Personnel	1,782	1,846	3,576	3,672
Occupancy	236	244	480	495
Equipment	356	349	697	699
Marketing	93	109	157	183
Other	890	824	1,781	1,644
Total noninterest expense	3,357	3,372	6,691	6,693
Income before income taxes and noncontrolling interests	1,819	1,775	3,475	3,822
Income taxes	342	275	654	628
Net income	1,477	1,500	2,821	3,194
Less: Net income attributable to noncontrolling interests	18	17	32	34
Preferred stock dividends	95	127	176	195
Preferred stock discount accretion and redemptions	2	2	4	4
Net income attributable to common shareholders	$ 1,362	$ 1,354	$ 2,609	$ 2,961
Earnings Per Common Share
Basic (in dollars per share)	$ 3.39	$ 3.36	$ 6.49	$ 7.35
Diluted (in dollars per share)	$ 3.39	$ 3.36	$ 6.48	$ 7.34
Average Common Shares Outstanding
Basic (in shares)	400	401	400	401
Diluted (in shares)	400	401	400	401

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 1,477	$ 1,500	$ 2,821	$ 3,194
Other comprehensive income (loss), before tax and net of reclassifications into Net income
Net change in debt securities	475	(241)	296	628
Net change in cash flow hedge derivatives	308	(316)	58	211
Pension and other postretirement benefit plan adjustments	1	6	(1)	(4)
Net change in Other		3	(2)	7
Other comprehensive income (loss), before tax and net of reclassifications into Net income	784	(548)	351	842
Income tax benefit (expense) related to items of other comprehensive income	(188)	131	(85)	(195)
Other comprehensive income (loss), after tax and net of reclassifications into Net income	596	(417)	266	647
Comprehensive income	2,073	1,083	3,087	3,841
Less: Comprehensive income attributable to noncontrolling interests	18	17	32	34
Comprehensive income attributable to PNC	$ 2,055	$ 1,066	$ 3,055	$ 3,807

Consolidated Balance Sheet

Consolidated Balance Sheet - USD ($) $ in Millions		Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 6,242	$ 6,921
Interest-earning deposits with banks		33,039	43,804
Loans held for sale	[1]	988	734
Investment securities – available for sale		51,188	41,785
Investment securities – held to maturity		87,457	90,784
Loans	[1]	321,429	321,508
Allowance for loan and lease losses		(4,636)	(4,791)
Net loans		316,793	316,717
Equity investments		9,037	8,314
Mortgage servicing rights		3,739	3,686
Goodwill		10,932	10,932
Other	[1]	37,104	37,903
Total assets		556,519	561,580
Deposits
Noninterest-bearing		94,542	101,285
Interest-bearing		321,849	320,133
Total deposits		416,391	421,418
Borrowed funds
Federal Home Loan Bank borrowings		35,000	38,000
Senior debt		29,601	26,836
Subordinated debt		4,078	4,875
Other	[2]	2,712	3,026
Total		71,391	72,737
Allowance for unfunded lending related commitments		717	663
Accrued expenses and other liabilities	[2]	15,339	15,621
Total liabilities		503,838	510,439
Equity
Preferred stock	[3]
Common stock ($5 par value, Authorized 800,000,000 shares, issued 543,225,979 and 543,116,271 shares)		2,716	2,716
Capital surplus		19,098	19,020
Retained earnings		57,652	56,290
Accumulated other comprehensive income (loss)		(7,446)	(7,712)
Common stock held in treasury at cost: 145,667,981 and 145,087,054 shares		(19,378)	(19,209)
Total shareholders’ equity		52,642	51,105
Noncontrolling interests		39	36
Total equity		52,681	51,141
Total liabilities and equity		$ 556,519	$ 561,580
[1] Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.9 billion, Loans held for investment of $1.2 billion and Other assets of $0.1 billion at June 30, 2024. Comparable amounts at December 31, 2023 were $0.7 billion, $1.2 billion and $0.1 billion, respectively. 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 $0.1 billion at June 30, 2024. Comparable amounts at December 31, 2023 were less than $0.1 billion and $0.1 billion, respectively. Par value less than $0.5 million at each date.

Consolidated Balance Sheet (Par

Consolidated Balance Sheet (Parenthetical) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Common stock, par value (in dollars per share)	$ 5	$ 5
Common stock, authorized (shares)	800,000,000	800,000,000
Common stock, issued (shares)	543,225,979	543,116,271
Common stock held in treasury at cost (shares)	145,667,981	145,087,054
Other borrowed funds, fair value (less than)	$ 100	$ 100
Other liabilities	100	100
Preferred stock, par value	0.5	0.5
Fair Value
Loans held for sale, fair value	900	700
Loans, fair value	1,200	1,200
Other assets, fair value	$ 100	$ 100

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - USD ($) $ in Millions		6 Months Ended
		Jun. 30, 2024	Jun. 30, 2023
Operating Activities
Net income		$ 2,821	$ 3,194
Adjustments to reconcile net income to net cash provided (used) by operating activities
Provision For Credit Losses		390	381
Depreciation, amortization and accretion		74	125
Deferred income taxes (benefit)		(21)	(75)
Net losses on sales of securities		499	2
Changes in fair value of mortgage servicing rights		23	136
Gain on Visa shares exchange program		(754)
Net change in
Trading securities and other short-term investments		416	(601)
Loans held for sale and related securitization activity		(238)	522
Other assets		(142)	1,410
Accrued expenses and other liabilities		(934)	(494)
Other operating activities, net		659	532
Net cash provided (used) by operating activities		2,793	5,132
Sales
Securities available for sale		3,745	(70)
Loans		237	605
Repayments/maturities
Securities available for sale		2,747	4,038
Securities held to maturity		4,714	3,076
Purchases
Securities available for sale		(16,246)	(1,272)
Securities held to maturity		(933)	(1,513)
Loans		(865)	(416)
Net change in
Federal funds sold and resale agreements		167	229
Loans		206	3,305
Other investing activities, net		(357)	(445)
Net cash provided (used) by investing activities		(6,585)	7,537
Net change in
Noninterest-bearing deposits		(6,755)	(13,982)
Interest-bearing deposits		1,716	5,166
Federal funds purchased and repurchase agreements		(178)	94
Other borrowed funds		(129)	(35)
Sales/issuances
Federal Home Loan Bank borrowings			2,000
Senior debt		4,236	6,235
Other borrowed funds		338	486
Preferred stock			1,484
Common and treasury stock		33	36
Repayments/maturities
Federal Home Loan Bank borrowings		(3,000)	(75)
Senior debt		(1,050)	(750)
Subordinated debt		(750)	(750)
Other borrowed funds		(354)	(495)
Acquisition of treasury stock		(336)	(588)
Preferred stock cash dividends paid		(176)	(195)
Common stock cash dividends paid		(1,247)	(1,213)
Net cash provided (used) by financing activities		(7,652)	(2,582)
Net Increase (Decrease) In Cash, Cash Equivalents And Restricted Cash	[1]	(11,444)	10,087
Cash, cash equivalents and restricted cash at beginning of period		50,725	34,363
Cash, cash equivalents and restricted cash at end of period		39,281	44,450
Cash, Cash Equivalents And Restricted Cash
Cash and cash equivalents at end of period (unrestricted cash)		38,407	43,863
Restricted cash		874	587
Cash, cash equivalents and restricted cash at end of period		39,281	44,450
Supplemental Disclosures
Interest paid		6,314	2,586
Income taxes paid		288	719
Income taxes refunded		44	824
Leased assets obtained in exchange for new operating lease liabilities		129	113
Non-cash Investing And Financing Items
Transfer from loans to loans held for sale, net		58	712
Transfer from loans to foreclosed assets		$ 24	$ 32
[1] In the second quarter of 2024, we updated our policy for cash and cash equivalents to include interest-earning deposits with banks. See Note 1 Accounting Policies for additional information regarding this change to our cash and cash equivalents policy.

Accounting Policies

Accounting Policies	6 Months Ended
	Jun. 30, 2024
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. 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. Effective for the second quarter of 2024, we updated our policy to classify Interest-earning deposits with banks as Cash and cash equivalents on the Consolidated Statement of Cash Flows when reconciling Cash and due from banks and restricted cash. 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 through the date of issuance of the consolidated financials. When preparing these unaudited interim consolidated financial statements, we have assumed that you have read the audited consolidated financial statements included in our 2023 Form 10-K. Reference is made to Note 1 Accounting Policies in our 2023 Form 10-K for a detailed description of significant accounting policies. These interim consolidated financial statements serve to update our 2023 Form 10-K and may not include all information and Notes necessary to constitute a complete set of financial statements. 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. Actual results may differ from the estimates, and the differences may be material to the consolidated financial statements. Cash, Cash Equivalents and Restricted Cash Cash and due from banks are considered cash and cash equivalents for financial reporting purposes because they represent a source of liquidity. Certain cash balances within Cash and due from banks on our Consolidated Balance Sheet are restricted as to withdrawal or usage by legally binding contractual agreements or regulatory requirements. Effective for the second quarter of 2024, we updated our policy to classify Interest-earning deposits with banks as Cash and cash equivalents on the Consolidated Statement of Cash Flows when reconciling Cash and due from banks and restricted cash. We believe this presentation enhances the usefulness of financial reporting because management views these funds as a source of liquidity for future transactions, while enhancing comparability to align with industry practice. There is no impact to our Consolidated Income Statement (including EPS), Consolidated Statement of Comprehensive Income, Consolidated Balance Sheet, or Consolidated Statement of Changes in Equity. All periods presented herein reflect this change. To reflect the change in accounting policy, we adjusted the Consolidated Statement of Cash Flows for the six months ended June 30, 2023. This included an adjustment of $10.9 billion from Net cash provided (used) by investing activities to Net increase (decrease) in cash, cash equivalents and restricted cash at end of period. The $10.9 billion was comprised of $10.8 billion reported in Net change in Interest-earning deposits with banks and $0.1 billion reported in Other investing activities, net. Additionally, we included $27.3 billion of Interest-earning deposits with banks in Cash, cash equivalents and restricted cash at beginning of period, and $38.2 billion of Interest-earning deposits with banks in Cash, cash equivalents and restricted cash at end of period. Recently Adopted Accounting Standards

Investment Securities

Investment Securities	6 Months Ended
	Jun. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Investment Securities	I NVESTMENT S ECURITIES Table 35: Investment Securities Summary (a)(b) June 30, 2024 December 31, 2023 In millions Amortized Unrealized Fair Amortized Unrealized Fair Gains Losses Gains Losses Securities Available for Sale U.S. Treasury and government agencies $ 16,868 $ 19 $ (413) $ 16,474 $ 7,596 $ 22 $ (667) $ 6,951 Residential mortgage-backed Agency 30,234 15 (3,153) 27,096 30,643 46 (2,809) 27,880 Non-agency 534 99 (9) 624 585 118 (7) 696 Commercial mortgage-backed Agency 1,758 (141) 1,617 1,680 1 (135) 1,546 Non-agency 824 1 (28) 797 913 1 (45) 869 Asset-backed 2,097 27 (4) 2,120 1,092 25 (1) 1,116 Other 2,581 41 (162) 2,460 2,844 44 (161) 2,727 Total securities available for sale $ 54,896 $ 202 $ (3,910) $ 51,188 $ 45,353 $ 257 $ (3,825) $ 41,785 Securities Held to Maturity U.S. Treasury and government agencies $ 35,468 $ (1,302) $ 34,166 $ 36,529 $ 9 $ (1,141) $ 35,397 Residential mortgage-backed Agency 41,865 $ 13 (3,805) 38,073 42,686 92 (2,733) 40,045 Non-agency 250 (23) 227 259 (17) 242 Commercial mortgage-backed Agency 956 2 (31) 927 939 9 (23) 925 Non-agency 1,189 2 (17) 1,174 1,373 2 (27) 1,348 Asset-backed 4,833 22 (30) 4,825 5,890 17 (39) 5,868 Other 2,896 23 (56) 2,863 3,108 50 (35) 3,123 Total securities held to maturity (d) $ 87,457 $ 62 $ (5,264) $ 82,255 $ 90,784 $ 179 $ (4,015) $ 86,948 (a) At June 30, 2024, the accrued interest associated with our held to maturity and available for sale portfolios totaled $268 million and $252 million, respectively. The comparable amounts at December 31, 2023 were $281 million and $144 million, respectively. These amounts are included in Other assets on the Consolidated Balance Sheet. (b) Credit ratings represent a primary credit quality indicator used to monitor and manage credit risk. Of our total securities portfolio, 97% were rated AAA/AA at both June 30, 2024 and December 31, 2023. (c) Amortized cost is presented net of allowance of $88 million for securities available for sale, primarily related to non-agency commercial mortgage-backed securities, and $5 million for securities held to maturity at June 30, 2024. The comparable amounts at December 31, 2023 were $86 million and $6 million, 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 $3.8 billion at June 30, 2024 related to securities transferred, which are offset in AOCI, net of tax. The comparable amount at December 31, 2023 was $4.2 billion. 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, net of any allowance. Investment securities at June 30, 2024 included $151 million of net unsettled purchases that represent non-cash investing activity, and accordingly, are not reflected on the Consolidated Statement of Cash Flows. The comparable amount for June 30, 2023 was $197 million of net unsettled purchases. 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 June 30, 2024, the allowance for investment securities was $93 million and primarily related to non-agency commercial mortgage-backed securities in the available for sale portfolio. The comparable amount at December 31, 2023 was $92 million. See Note 1 Accounting Policies in our 2023 Form 10-K for a discussion of the methodologies used to determine the allowance for investment securities. At June 30, 2024, AOCI included pretax losses of $285 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 June 30, 2024 and December 31, 2023. 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 June 30, 2024, 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 June 30, 2024 U.S. Treasury and government agencies $ (30) $ 10,966 $ (383) $ 2,960 $ (413) $ 13,926 Residential mortgage-backed Agency (22) 2,576 (3,131) 21,752 (3,153) 24,328 Non-agency (6) 87 (6) 87 Commercial mortgage-backed Agency (2) 189 (139) 1,397 (141) 1,586 Non-agency (28) 654 (28) 654 Asset-backed (3) 694 (1) 93 (4) 787 Other (1) 105 (139) 1,932 (140) 2,037 Total securities available for sale $ (58) $ 14,530 $ (3,827) $ 28,875 $ (3,885) $ 43,405 December 31, 2023 U.S. Treasury and government agencies $ (666) $ 6,035 $ (666) $ 6,035 Residential mortgage-backed Agency $ (4) $ 1,015 (2,805) 24,306 (2,809) 25,321 Non-agency (1) 15 (4) 84 (5) 99 Commercial mortgage-backed Agency (135) 1,495 (135) 1,495 Non-agency (45) 731 (45) 731 Asset-backed (1) 9 (1) 9 Other (3) 78 (136) 2,106 (139) 2,184 Total securities available for sale $ (8) $ 1,108 $ (3,792) $ 34,766 $ (3,800) $ 35,874 Table 37: Gains (Losses) on Sales of Securities Available for Sale Six months ended June 30 In millions Gross Gains Gross Losses Net Gains (Losses) Tax Expense (Benefit) 2024 $ 2 $ (501) $ (499) $ (105) 2023 $ (2) $ (2) In the second quarter of 2024, we sold available for sale securities with a market value of $3.8 billion, resulting in a loss of $497 million. The following table presents, by remaining contractual maturity, the amortized cost, fair value and weighted-average yield of debt securities at June 30, 2024: Table 38: Contractual Maturity of Debt Securities June 30, 2024 1 Year or Less After 1 Year After 5 Years After 10 Total Securities Available for Sale U.S. Treasury and government agencies $ 1,202 $ 2,470 $ 10,854 $ 2,342 $ 16,868 Residential mortgage-backed Agency 1 222 3,472 26,539 30,234 Non-agency 11 523 534 Commercial mortgage-backed Agency 6 664 751 337 1,758 Non-agency 1 105 73 645 824 Asset-backed 667 318 1,112 2,097 Other 280 1,866 291 144 2,581 Total securities available for sale at amortized cost $ 1,490 $ 5,994 $ 15,770 $ 31,642 $ 54,896 Fair value $ 1,480 $ 5,808 $ 15,422 $ 28,478 $ 51,188 Weighted-average yield, GAAP basis (a) 1.43 % 3.57 % 4.13 % 3.50 % 3.63 % Securities Held to Maturity U.S. Treasury and government agencies $ 10,363 $ 22,586 $ 1,635 $ 884 $ 35,468 Residential mortgage-backed Agency 9 309 41,547 41,865 Non-agency 250 250 Commercial mortgage-backed Agency 158 587 211 956 Non-agency 49 1,140 1,189 Asset-backed 20 1,329 2,228 1,256 4,833 Other 202 968 433 1,293 2,896 Total securities held to maturity at amortized cost $ 10,585 $ 25,099 $ 5,192 $ 46,581 $ 87,457 Fair value $ 10,461 $ 24,133 $ 4,989 $ 42,672 $ 82,255 Weighted-average yield, GAAP basis (a) 0.96 % 1.60 % 3.79 % 2.97 % 2.38 % (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 June 30, 2024, 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 $35.9 billion and $31.4 billion, and fair value of $32.4 billion and $28.7 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 June 30, 2024 December 31, 2023 Pledged to others $ 70,186 $ 29,878 Accepted from others: Permitted by contract or custom to sell or repledge $ 681 $ 755 Permitted amount repledged to others $ 681 $ 755

Loans and Related Allowance for

Loans and Related Allowance for Credit Losses	6 Months Ended
	Jun. 30, 2024
Receivables [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 in our 2023 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, but not limited to, trends in delinquency rates, nonperforming status, analyses of PD and LGD ratings, updated credit scores and originated and updated LTV ratios. 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 such as inflation levels, industry specific risks, interest rate levels, the level of consumer savings and deposit balances, and structural and secular changes such as those arising from the pandemic. To mitigate losses and enhance customer support, we offer loan modifications and collection programs to assist our customers. Table 40 presents the composition and delinquency status of our loan portfolio at June 30, 2024 and December 31, 2023. Loan delinquencies include government insured or guaranteed loans and loans accounted for under the fair value option. 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 June 30, 2024 Commercial Commercial and industrial $ 177,853 $ 95 $ 53 $ 86 $ 234 $ 702 $ 178,789 Commercial real estate 34,559 8 2 1 11 928 35,498 Equipment lease financing 6,514 19 6 25 16 6,555 Total commercial 218,926 122 61 87 270 1,646 220,842 Consumer Residential real estate 45,984 278 91 155 524 (c) 275 $ 400 47,183 Home equity 25,296 64 24 88 468 65 25,917 Automobile 14,607 92 22 6 120 93 14,820 Credit card 6,673 50 37 76 163 13 6,849 Education 1,654 27 15 36 78 (c) 1,732 Other consumer 4,049 12 9 8 29 8 4,086 Total consumer 98,263 523 198 281 1,002 857 465 100,587 Total $ 317,189 $ 645 $ 259 $ 368 $ 1,272 $ 2,503 $ 465 $ 321,429 Percentage of total loans 98.68 % 0.20 % 0.08 % 0.11 % 0.40 % 0.78 % 0.14 % 100.00 % December 31, 2023 Commercial Commercial and industrial $ 176,796 $ 104 $ 45 $ 76 $ 225 $ 559 $ 177,580 Commercial real estate 34,685 7 9 16 735 35,436 Equipment lease financing 6,480 41 8 49 13 6,542 Total commercial 217,961 152 53 85 290 1,307 219,558 Consumer Residential real estate 46,159 282 101 192 575 (c) 294 $ 516 47,544 Home equity 25,533 63 27 90 458 69 26,150 Automobile 14,638 91 20 7 118 104 14,860 Credit card 6,991 54 39 86 179 10 7,180 Education 1,850 27 19 49 95 (c) 1,945 Other consumer 4,227 16 11 10 37 7 4,271 Total consumer 99,398 533 217 344 1,094 873 585 101,950 Total $ 317,359 $ 685 $ 270 $ 429 $ 1,384 $ 2,180 $ 585 $ 321,508 Percentage of total loans 98.71 % 0.21 % 0.08 % 0.13 % 0.43 % 0.68 % 0.18 % 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 $1.5 billion at both June 30, 2024 and December 31, 2023. 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 $0.2 billion and $0.1 billion at June 30, 2024. Comparable amounts at December 31, 2023 were $0.3 billion and $0.1 billion, respectively. (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 policy criteria. Given that these loans are not accounted for at amortized cost, they 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 $0.9 billion and $1.0 billion at June 30, 2024 and December 31, 2023, respectively. (f) Collateral dependent loans totaled $1.6 billion and $1.4 billion at June 30, 2024 and December 31, 2023, respectively. At June 30, 2024, we pledged $49.8 billion of commercial and other loans to the Federal Reserve Bank and $88.8 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, 2023 were $51.3 billion and $89.5 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. 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 substantially all principal and interest are not reported as nonperforming loans and continue to accrue interest. See Note 1 Accounting Policies in our 2023 Form 10-K for additional information on our nonperforming loan and lease policies. The following table presents our nonperforming assets as of June 30, 2024 and December 31, 2023: Table 41: Nonperforming Assets Dollars in millions June 30, 2024 December 31, 2023 Nonperforming loans Commercial $ 1,646 $ 1,307 Consumer (a) 857 873 Total nonperforming loans (b) 2,503 2,180 OREO and foreclosed assets 34 36 Total nonperforming assets $ 2,537 $ 2,216 Nonperforming loans to total loans 0.78 % 0.68 % Nonperforming assets to total loans, OREO and foreclosed assets 0.79 % 0.69 % Nonperforming assets to total assets 0.46 % 0.39 % (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 $0.5 billion at both June 30, 2024 and December 31, 2023. This primarily includes loans with a fair value of collateral that exceeds the amortized cost basis. Additional Credit Quality Indicators by Loan Class Commercial Loan Classes See Note 3 Loans and Related Allowance for Credit Losses in our 2023 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 our commercial loan classes: Table 42: Commercial Credit Quality Indicators (a) Term Loans by Origination Year June 30, 2024 In millions 2024 2023 2022 2021 2020 Prior Revolving Loans Revolving Loans Converted to Term Total Commercial and industrial Pass Rated $ 11,419 $ 18,080 $ 19,842 $ 6,104 $ 5,190 $ 14,021 $ 92,363 $ 695 $ 167,714 Criticized 298 1,094 2,448 803 189 803 5,361 79 11,075 Total commercial and industrial loans 11,717 19,174 22,290 6,907 5,379 14,824 97,724 774 178,789 Gross charge-offs (b) 11 (c) 14 21 18 3 4 42 48 161 Commercial real estate Pass Rated 1,113 5,125 8,166 2,759 1,761 10,946 420 30,290 Criticized 91 190 1,632 461 477 2,286 20 51 5,208 Total commercial real estate loans 1,204 5,315 9,798 3,220 2,238 13,232 440 51 35,498 Gross charge-offs (b) 5 2 1 161 169 Equipment lease financing Pass Rated 746 1,392 1,281 591 580 1,590 6,180 Criticized 24 107 85 72 42 45 375 Total equipment lease financing loans 770 1,499 1,366 663 622 1,635 6,555 Gross charge-offs (b) 5 6 2 2 1 16 Total commercial loans $ 13,691 $ 25,988 $ 33,454 $ 10,790 $ 8,239 $ 29,691 $ 98,164 $ 825 $ 220,842 Total commercial gross charge-offs $ 11 $ 24 $ 27 $ 22 $ 6 $ 166 $ 42 $ 48 $ 346 Term Loans by Origination Year December 31, 2023 In millions 2023 2022 2021 2020 2019 Prior Revolving Loans Revolving Loans Converted to Term Total Commercial and industrial Pass Rated $ 23,019 $ 26,657 $ 7,562 $ 5,783 $ 4,110 $ 11,982 $ 88,467 $ 573 $ 168,153 Criticized 838 1,781 739 331 281 698 4,708 51 9,427 Total commercial and industrial loans 23,857 28,438 8,301 6,114 4,391 12,680 93,175 624 177,580 Gross charge-offs (b) 25 (c) 32 33 8 3 26 105 12 244 Commercial real estate Pass Rated 4,182 8,571 2,986 2,190 4,887 7,411 383 30,610 Criticized 155 1,300 455 490 622 1,753 51 4,826 Total commercial real estate loans 4,337 9,871 3,441 2,680 5,509 9,164 434 35,436 Gross charge-offs (b) 12 31 137 180 Equipment lease financing Pass Rated 1,522 1,424 689 690 452 1,378 6,155 Criticized 90 81 81 51 35 49 387 Total equipment lease financing loans 1,612 1,505 770 741 487 1,427 6,542 Gross charge-offs (b) 4 4 4 4 1 1 18 Total commercial loans $ 29,806 $ 39,814 $ 12,512 $ 9,535 $ 10,387 $ 23,271 $ 93,609 $ 624 $ 219,558 Total commercial gross charge-offs $ 29 $ 36 $ 37 $ 24 $ 35 $ 164 $ 105 $ 12 $ 442 (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 June 30, 2024 and December 31, 2023. (b) Gross charge-offs are presented on a year-to-date basis, as of the period end date. (c) Includes charge-offs of deposit overdrafts. Consumer Loan Classes See Note 3 Loans and Related Allowance for Credit Losses in our 2023 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 our 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 June 30, 2024 In millions 2024 2023 2022 2021 2020 Prior Revolving Loans Revolving Loans Converted to Term Total Residential real estate Current estimated LTV ratios Greater than 100% $ 5 $ 39 $ 133 $ 68 $ 30 $ 33 $ 308 Greater than or equal to 80% to 100% 507 838 1,256 740 199 147 3,687 Less than 80% 976 4,054 8,374 14,236 6,315 8,554 42,509 No LTV available 41 11 3 55 Government insured or guaranteed loans 14 21 15 64 510 624 Total residential real estate loans $ 1,488 $ 4,986 $ 9,784 $ 15,070 $ 6,608 $ 9,247 $ 47,183 Updated FICO scores Greater than or equal to 780 $ 813 $ 3,411 $ 7,691 $ 12,061 $ 4,889 $ 5,190 $ 34,055 720 to 779 601 1,030 1,581 2,160 1,042 1,684 8,098 660 to 719 71 286 399 594 346 827 2,523 Less than 660 2 111 84 150 110 733 1,190 No FICO score available 1 134 8 90 157 303 693 Government insured or guaranteed loans 14 21 15 64 510 624 Total residential real estate loans $ 1,488 $ 4,986 $ 9,784 $ 15,070 $ 6,608 $ 9,247 $ 47,183 Gross charge-offs (a) $ 2 $ 2 Home equity (b) Current estimated LTV ratios Greater than 100% $ 2 $ 12 $ 17 $ 336 $ 356 $ 723 Greater than or equal to 80% to 100% 5 34 32 1,068 1,631 2,770 Less than 80% 149 1,773 3,106 6,733 10,663 22,424 Total home equity loans $ 156 $ 1,819 $ 3,155 $ 8,137 $ 12,650 $ 25,917 Updated FICO scores Greater than or equal to 780 $ 100 $ 1,209 $ 1,930 $ 4,597 $ 6,203 $ 14,039 720 to 779 36 383 643 2,179 3,243 6,484 660 to 719 15 166 320 1,155 1,967 3,623 Less than 660 5 59 255 199 1,188 1,706 No FICO score available 2 7 7 49 65 Total home equity loans $ 156 $ 1,819 $ 3,155 $ 8,137 $ 12,650 $ 25,917 Gross charge-offs (a) $ 1 $ 9 $ 9 $ 19 (Continued from previous page) Term Loans by Origination Year December 31, 2023 In millions 2023 2022 2021 2020 2019 Prior Revolving Loans Revolving Loans Converted to Term Total Residential real estate Current estimated LTV ratios Greater than 100% $ 15 $ 139 $ 79 $ 31 $ 10 $ 28 $ 302 Greater than or equal to 80% to 100% 1,665 1,928 955 221 69 92 4,930 Less than 80% 3,585 7,977 14,421 6,514 2,154 6,935 41,586 No LTV available 56 13 4 73 Government insured or guaranteed loans 14 20 16 66 37 500 653 Total residential real estate loans $ 5,335 $ 10,064 $ 15,484 $ 6,832 $ 2,270 $ 7,559 $ 47,544 Updated FICO scores Greater than or equal to 780 $ 3,206 $ 7,797 $ 12,197 $ 5,035 $ 1,492 $ 4,004 $ 33,731 720 to 779 1,482 1,659 2,389 1,107 432 1,388 8,457 660 to 719 400 508 657 334 171 721 2,791 Less than 660 93 71 133 122 82 680 1,181 No FICO score available 140 9 92 168 56 266 731 Government insured or guaranteed loans 14 20 16 66 37 500 653 Total residential real estate loans $ 5,335 $ 10,064 $ 15,484 $ 6,832 $ 2,270 $ 7,559 $ 47,544 Gross charge-offs (a) $ 2 $ 1 $ 1 $ 4 $ 8 Home equity (b) Current estimated LTV ratios Greater than 100% $ 1 $ 12 $ 6 $ 14 $ 306 $ 309 $ 648 Greater than or equal to 80% to 100% 4 40 17 22 1,116 1,743 2,942 Less than 80% 157 1,866 845 2,556 6,843 10,293 22,560 Total home equity loans $ 162 $ 1,918 $ 868 $ 2,592 $ 8,265 $ 12,345 $ 26,150 Updated FICO scores Greater than or equal to 780 $ 102 $ 1,254 $ 489 $ 1,605 $ 4,604 $ 6,083 $ 14,137 720 to 779 38 423 216 488 2,222 3,225 6,612 660 to 719 17 174 110 271 1,207 1,894 3,673 Less than 660 5 65 52 220 223 1,089 1,654 No FICO score available 2 1 8 9 54 74 Total home equity loans $ 162 $ 1,918 $ 868 $ 2,592 $ 8,265 $ 12,345 $ 26,150 Gross charge-offs (a) $ 4 $ 7 $ 10 $ 21 (a) Gross charge-offs are presented on a year-to-date basis, as of the period end date. (b) Beginning January 1, 2022, new originations consist of revolving Home Equity Lines of Credit. Automobile, Credit Card, Education and Other Consumer The following table presents credit quality indicators for our 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 June 30, 2024 In millions 2024 2023 2022 2021 2020 Prior Revolving Loans Revolving Loans Converted to Term Total Automobile Updated FICO scores Greater than or equal to 780 $ 1,663 $ 2,086 $ 1,387 $ 1,171 $ 377 $ 259 $ 6,943 720 to 779 1,000 1,496 842 578 202 184 4,302 660 to 719 469 860 473 307 129 144 2,382 Less than 660 67 352 252 209 119 194 1,193 Total automobile loans $ 3,199 $ 4,794 $ 2,954 $ 2,265 $ 827 $ 781 $ 14,820 Gross charge-offs (a) $ 23 $ 13 $ 9 $ 6 $ 13 $ 64 Credit card Updated FICO scores Greater than or equal to 780 $ 1,975 $ 1 $ 1,976 720 to 779 1,885 4 1,889 660 to 719 1,857 14 1,871 Less than 660 952 53 1,005 No FICO score available or required (b) 105 3 108 Total credit card loans $ 6,774 $ 75 $ 6,849 Gross charge-offs (a) $ 164 $ 18 $ 182 Education Updated FICO scores Greater than or equal to 780 $ 7 $ 65 $ 87 $ 42 $ 37 $ 347 $ 585 720 to 779 7 41 41 22 16 131 258 660 to 719 4 14 15 7 5 55 100 Less than 660 1 3 3 1 1 22 31 No FICO score available or required (b) 3 6 4 3 1 1 18 Total loans using FICO credit metric 22 129 150 75 60 556 992 Other internal credit metrics 740 740 Total education loans $ 22 $ 129 $ 150 $ 75 $ 60 $ 1,296 $ 1,732 Gross charge-offs (a) $ 1 $ 1 $ 7 $ 9 Other consumer Updated FICO scores Greater than or equal to 780 $ 123 $ 190 $ 90 $ 30 $ 11 $ 12 $ 37 $ 1 $ 494 720 to 779 156 205 109 36 14 13 75 1 609 660 to 719 101 114 104 37 16 14 82 1 469 Less than 660 2 30 45 22 11 10 41 1 162 Total loans using FICO credit metric 382 539 348 125 52 49 235 4 1,734 Other internal credit metrics 7 10 95 18 13 94 2,105 10 2,352 Total other consumer loans $ 389 $ 549 $ 443 $ 143 $ 65 $ 143 $ 2,340 $ 14 $ 4,086 Gross charge-offs (a) $ 34 (c) $ 12 $ 13 $ 8 $ 4 $ 6 $ 6 $ 83 (Continued from previous page) Term Loans by Origination Year December 31, 2023 In millions 2023 2022 2021 2020 2019 Prior Revolving Loans Revolving Loans Converted to Term Total Automobile Updated FICO Scores Greater than or equal to 780 $ 2,722 $ 1,650 $ 1,483 $ 535 $ 368 $ 88 $ 6,846 720 to 779 1,797 1,104 778 301 250 80 4,310 660 to 719 1,014 604 408 186 186 70 2,468 Less than 660 264 272 243 152 200 105 1,236 Total automobile loans $ 5,797 $ 3,630 $ 2,912 $ 1,174 $ 1,004 $ 343 $ 14,860 Gross charge-offs (a) $ 8 $ 24 $ 22 $ 17 $ 30 $ 20 $ 121 Credit card Updated FICO scores Greater than or equal to 780 $ 2,017 $ 1 $ 2,018 720 to 779 1,976 4 1,980 660 to 719 1,979 13 1,992 Less than 660 1,036 48 1,084 No FICO score available or required (b) 103 3 106 Total credit card loans $ 7,111 $ 69 $ 7,180 Gross charge-offs (a) $ 290 $ 29 $ 319 Education Updated FICO scores Greater than or equal to 780 $ 35 $ 88 $ 45 $ 40 $ 51 $ 331 $ 590 720 to 779 32 47 24 19 24 131 277 660 to 719 20 17 8 6 8 54 113 Less than 660 4 3 2 1 2 21 33 No FICO score available or required (b) 15 5 4 2 1 27 Total loans using FICO credit metric 106 160 83 68 85 538 1,040 Other internal credit metrics 905 905 Total education loans $ 106 $ 160 $ 83 $ 68 $ 85 $ 1,443 $ 1,945 Gross charge-offs (a) $ 1 $ 1 $ 2 $ 13 $ 17 Other consumer Updated FICO scores Greater than or equal to 780 $ 241 $ 127 $ 47 $ 21 $ 14 $ 11 $ 39 $ 1 $ 501 720 to 779 286 157 54 26 17 11 80 1 632 660 to 719 147 140 57 27 21 11 87 2 492 Less than 660 19 52 31 17 14 8 43 1 185 Total loans using FICO credit metric 693 476 189 91 66 41 249 5 1,810 Other internal credit metrics 19 97 33 48 71 34 2,149 10 2,461 Total other consumer loans $ 712 $ 573 $ 222 $ 139 $ 137 $ 75 $ 2,398 $ 15 $ 4,271 Gross charge-offs (a) $ 75 (c) $ 23 $ 18 $ 14 $ 14 $ 8 $ 11 $ 1 $ 164 (a) Gross charge-offs are presented on a year-to-date basis, as of the period end date. (b) Loans where FICO scores are not 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. (c) Includes charge-offs of deposit overdrafts. Loan Modifications to Borrowers Experiencing Financial Difficulty Loan modifications to borrowers experiencing financial difficulty (FDMs) result from our loss mitigation activities and include principal forgiveness, interest rate reductions, term extensions, payment delays, repayment plans or combinations thereof. See Note 1 Accounting Policies in our 2023 Form 10-K for additional information on FDMs. The following table presents the amortized cost basis, as of the period end date, of FDMs granted during the three and six months ended June 30, 2024 and 2023: Table 45: Loan Modifications Granted to Borrowers Experiencing Financial Difficulty (a) (b) Three months ended June 30, 2024 Dollars in millions Interest Rate Reduction Term Extension Payment Delay Repayment Plan Payment Delay and Term Extension Interest Rate Reduction and Term Extension Other (c) Total % of Loan Class Commercial Commercial and industrial $ 18 $ 372 $ 94 $ 65 $ 102 $ 67 $ 718 0.40 % Commercial real estate 454 84 538 1.52 % Total commercial 18 826 94 149 102 67 1,256 0.57 % Consumer Residential real estate 30 1 5 36 0.08 % Home equity 5 $ 1 6 12 0.05 % Credit card 21 21 0.31 % Education 1 1 0.06 % Total consumer 1 35 22 1 11 70 0.07 % Total $ 18 $ 827 $ 129 $ 22 $ 149 $ 103 $ 78 $ 1,326 0.41 % Three months ended June 30, 2023 Dollars in millions Commercial Commercial and industrial $ 366 $ 59 $ 87 $ 512 0.29 % Commercial real estate 228 60 288 0.80 % Total commercial 594 59 147 800 0.36 % Consumer Residential real estate $ 1 35 $ 1 2 39 0.08 % Home equity 3 $ 2 5 10 0.04 % Credit card 18 18 0.25 % Education 1 1 0.05 % Other consumer 1 1 0.02 % Total consumer 1 1 38 21 1 7 69 0.07 % Total $ 1 $ 595 $ 97 $ 21 $ 1 $ 154 $ 869 0.27 % Six months ended June 30, 2024 Dollars in millions Principal Forgiveness Interest Rate Reduction Term Extension Payment Delay Repayment Plan Payment Delay and Term Extension Interest Rate Reduction and Term Extension Interest Rate Reduction and Payment Delay Other (c) Total % of Loan Class Commercial Commercial and industrial $ 18 $ 720 $ 83 $ 109 $ 112 $ 15 $ 97 $ 1,154 0.65 % Commercial real estate 779 25 148 952 2.68 % Total commercial 18 1,499 108 257 112 15 97 2,106 0.95 % Consumer Residential real estate 55 1 8 64 0.14 % Home equity 8 $ 2 10 20 0.08 % Credit card 39 39 0.57 % Education 3 3 0.17 % Other consumer 1 1 0.02 % Total consumer 3 63 42 1 18 127 0.13 % Total $ 18 $ 1,502 $ 171 $ 42 $ 257 $ 113 $ 15 $ 115 $ 2,233 0.69 % Six months ended June 30, 2023 Dollars in millions Commercial Commercial and industrial $ 1 $ 432 $ 72 $ 91 $ 596 0.34 % Commercial real estate 493 60 553 1.54 % Total commercial 1 925 72 151 1,149 0.52 % Consumer Residential real estate $ 1 72 $ 2 3 78 0.17 % Home equity 4 $ 5 6 15 0.06 % Credit card 30 30 0.42 % Education 2 2 0.10 % Other consumer 1 1 0.02 % Total consumer 1 2 76 36 2 9 126 0.12 % Total $ 1 $ 1 $ 927 $ 148 $ 36 $ 2 $ 160 $ 1,275 0.40 % (a) The unfunded lending related commitments on FDMs granted during the six months ended June 30, 2024 and 2023 were $0.3 billion and $0.1 billion, respectively. (b) Excludes the amortized cost basis of modified loans that were paid off, charged off or otherwise liquidated as of the period end date. (c) Represents all other modifications, and includes trial modifications and loans where we have received notification that a borrower has filed for Chapter 7 bankruptcy relief, but specific instructions as to the terms of the relief have not been formally ruled upon by the court. Table 46 presents the weighted average financial effect of FDMs granted during the three and six months ended June 30, 2024 and 2023. Table 46: Financial Effect of FDMs (a) Three months ended June 30, 2024 Dollars in millions Amortized cost basis (b) Financial Effect Term Extension Commercial and industrial $539 Extended contractual term by 15 months. Commercial real estate $538 Extended contractual term by 14 months. Residential real estate $1 Extended contractual term by 105 months. Education $1 Extended contractual term by 16 months. Interest Rate Reduction Commercial and industrial $120 Reduced contractual interest rate by 1.12%. Residential real estate $1 Reduced contractual interest rate by 1.30%. Payment Delay Commercial and industrial $159 Provided 5 months of payment deferral. Commercial real estate $84 Provided 23 months of payment deferral. Residential real estate $30 Provided 10 months of payment deferral. Home equity $5 Provided 5 months of payment deferral. Three months ended June 30, 2023 Dollars in millions Amortized cost basis (b) Financial Effect Term Extension Commercial and industrial $366 Extended contractual term by 9 months. Commercial real estate $228 Extended contractual term by 20 months. Residential real estate $1 Extended contractual term by 123 months. Education $1 Extended contractual term by 19 months. Interest Rate Reduction Residential real estate $2 Reduced contractual interest rate by 1.17%. Payment Delay Commercial and industrial $59 Provided 10 months of payment deferral. Residential real estate $35 Provided 8 months of payment deferral. Home equity $3 Provided 3 months of payment deferral. Six months ended June 30, 2024 Dollars in millions Amortized cost basis (b) Financial Effect Term Extension Commercial and industrial $941 Extended contractual term by 14 months. Commercial real estate $927 Extended contractual term by 14 months. Residential real estate $1 Extended contractual term by 98 months. Education $3 Extended contractual term by 12 months. Interest Rate Reduction Commercial and industrial $145 Reduced contractual interest rate by 1.64%. Residential real estate $1 Reduced contractual interest rate by 1.15%. Payment Delay Commercial and industrial $207 Provided 7 months of payment deferral. Commercial real estate $173 Provided 9 months of payment deferral. Residential real estate $55 Provided 9 months of payment deferral. Home equity $8 Provided 4 months of payment deferral. Six months ended June 30, 2023 Dollars in millions Amortized cost basis (b) Financial Effect Principal Forgiveness Commercial and industrial $1 (c) Forgave $2 million of principal balances. Term Extension Commercial and industrial $432 Extended contractual term by 10 months. Commercial real estate $493 Extended contractual term by 17 months. Residential real estate $2 Extended contractual term by 111 months. Education $2 Extended contractual term by 17 months. Interest Rate Reduction Residential real estate $3 Reduced contractual interest rate by 1.34%. Payment Delay Commercial and industrial $72 Provided 6 months of payment deferral. Residential real estate $72 Provided 8 months of payment deferral. Home equity $4 Provided 4 months of payment deferral. (a) Excludes the financial effects of modifications for loans that were paid off, charged off or otherwise liquidated as of the period end date. (b) The amortized cost basis presented in Table 46 includes combination modification categories in addition to the standalone modification categories presented in Table 45. Primarily due to this reason, the amortized cost basis presented in Table 46 may not agree to the amortized cost basis presented alongside the standalone modification categories in Table 45. Amortized cost basis is as of the period end date. (c) Amounts are recorded as charge-offs. Repayment plans are excluded from Table 46. The terms of these programs, which are offered for certain consumer products, are as follows: • Credit card and unsecured lines of credit • Short-term programs are granted for periods of 6 and 12 months. These programs are structurally similar such that the interest rate is reduced to a standard rate of 4.99% and the minimum payment percentage is adjusted to 1.90% of the outstanding balance. At the end of the 6 or 12 months, the borrower is returned to the original contractual interest rate and minimum payment amount specified in the original lending agreement. • Fully-amortized repayment plans are also granted, the most common of which being a 60 month program. In this program, we convert the borrower’s drawn and unpaid balances into a fully-amortized repayment plan consisting of an interest rate of 4.99% and an adjusted minimum payment percentage of 1.90% of the outstanding balance. This fully-amortized program is designed in a manner that allows the drawn and unpaid amounts to be recaptured at the end of the 60 months. • Home equity loans and lines of credit • Fixed payment plan programs establish a modified monthly payment that is informed by the borrower’s financial situation and the current market environment at the time of modification, among other factors. As such, we may change the borrower’s interest rate, modify the term of the loan, and/or defer payment to arrive at the modified monthly payment. Each of the aforementioned terms may increase or decrease, and may vary from loan to loan, based on the individual loan and borrower characteristics. After we modify a loan, we continue to track its performance under its most recent modified terms. The following table presents the performance, as of the period end date, of FDMs granted during the twelve months preceding June 30, 2024. Table 47: Payment Performance of FDMs Modified in the Last 12 Months (a) (b) Twelve months ended June 30, 2024 Dollars in millions Current or Less Than 30 Days Past Due 30-59 Days Past Due 60-89 Days Past Due 90 Days Nonperforming Total Commercial Commercial and industrial $ 1,318 $ 1 $ 8 $ 235 $ 1,562 Commercial real estate 978 433 1,411 Total commercial 2,296 1 8 668 2,973 Consumer Residential real estate 9 1 $ 1 86 97 Home equity 3 29 32 Credit card 45 4 4 7 1 61 Education 6 6 Other consumer 1 1 2 Total consumer 64 5 4 8 117 198 Total $ 2,360 $ 6 $ 12 $ 8 $ 785 $ 3,171 (a) Represents amortized cost basis. (b) Loans in our Payment Delay category are reported as past due in accordance with their contractual terms. Once contractually modified, these loans are reported as past due in accordance with their restructured terms. The following table presents the performance as of June 30, 2023 for FDMs granted since January 1, 2023: Table 48: Payment Performance of FDMs (a) (b) Six months ended June 30, 2023 Dollars in millions Current or Less Than 30 Days 30-59 Days 60-89 Days 90 Days Nonperforming Total Commercial Commercial and industrial $ 494 $ 4 $ 1 $ 97 $ 596 Commercial real estate 520 33 553 Total commercial 1,014 4 1 130 1,149 Consumer Residential real estate 1 77 78 Home equity 15 15 Credit card 20 $ 3 3 4 30 Education 2 2 Other consumer 1 1 Total consumer 23 3 3 4 93 126 Total $ 1,037 $ 3 $ 7 $ 5 $ 223 $ 1,275 (a) Represents amortized cost basis. (b) Loans in our Payment Delay category are reported as past due in accordance with their contractual terms. Once contractually modified, these loans are reported as past due in accordance with their restructured terms. We generally consider FDMs to have subsequently defaulted when they become 60 days past due after the most recent date the loan was modified. The following table presents loans that were both (i) classified as FDMs, and (ii) subsequently defaulted during the period. Three months ended June 30, 2024 Dollars in millions Term Extension Payment Delay Repayment Plan Payment Delay/Term Extension All Other Modifications (b) Total Commercial Commercial and industrial $ 14 $ 1 $ 15 Commercial real estate 32 $ 37 69 Total commercial 14 33 37 84 Consumer Residential real estate 6 $ 1 7 Home equity 1 3 4 Credit card $ 7 7 Total consumer 7 7 4 18 Total $ 14 $ 40 $ 7 $ 37 $ 4 $ 102 Six months ended June 30, 2024 Dollars in millions Term Extension Payment Delay Repayment Plan Payment Delay/Term Extension All Other Modifications (b) Total Commercial Commercial and industrial $ 26 $ 9 $ 35 Commercial real estate 1 33 $ 37 71 Total commercial 27 42 37 106 Consumer Residential real estate 19 $ 2 21 Home equity 1 $ 1 5 7 Credit card 16 16 Total consumer 20 17 7 44 Total $ 27 $ 62 $ 17 $ 37 $ 7 $ 150 (a) Represents amortized cost basis. (b) Includes the following modification categories: interest rate reduction, combinations of interest rate reduction/payment delay and interest rate reduction/term extension and other. Subsequently defaulted loans during the three and six months ended June 30, 2023 were $46 million and $48 million, respectively. 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 in our 2023 Form 10-K for a discussion of the methodologies used to determine this allowance. A rollforward of the ACL related to loans follows: Table 50: Rollforward of Allowance for Credit Losses Three months ended June 30 Six months ended June 30 2024 2023 2024 2023 In millions Commercial Consumer Total Commercial Consumer Total Commercial Consumer Total Commercial Consumer Total Allowance for loan and lease losses Beginning balance $ 3,217 $ 1,476 $ 4,693 $ 3,046 $ 1,695 $ 4,741 $ 3,259 $ 1,532 $ 4,791 $ 3,114 $ 1,627 $ 4,741 Adoption of ASU 2022-02 (a) (35) (35) Beginning balance, adjusted 3,217 1,476 4,693 3,046 1,695 4,741 3,259 1,532 4,791 3,114 1,592 4,706 Charge-offs (198) (177) (375) (135) (158) (293) (346) (359) (705) (255) (320) (575) Recoveries 52 61 113 36 63 99 75 125 200 61 125 186 Net (charge-offs) (146) (116) (262) (99) (95) (194) (271) (234) (505) (194) (195) (389) Provision for (recapture of) credit losses 172 32 204 195 (6) 189 257 94 351 220 198 418 Other 1 1 1 1 (2) 1 (1) 2 2 Ending balance $ 3,243 $ 1,393 $ 4,636 $ 3,142 $ 1,595 $ 4,737 $ 3,243 $ 1,393 $ 4,636 $ 3,142 $ 1,595 $ 4,737 Allowance for unfunded lending related commitments (b) Beginning balance $ 528 $ 144 $ 672 $ 560 $ 112 $ 672 $ 545 $ 118 $ 663 $ 613 $ 81 $ 694 Provision for (recapture of) credit losses 53 (8) 45 (5) (4) (9) 36 18 54 (58) 27 (31) Ending balance $ 581 $ 136 $ 717 $ 555 $ 108 $ 663 $ 581 $ 136 $ 717 $ 555 $ 108 $ 663 Allowance

Loan Sale and Servicing Activit

Loan Sale and Servicing Activities and Variable Interest Entities	6 Months Ended
	Jun. 30, 2024
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 4 Loan Sale and Servicing Activities and Variable Interest Entities in our 2023 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 8 Commitments and Note 11 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 51: Loan Sale and Servicing Activities In millions Residential Mortgages Commercial Mortgages (a) Cash Flows - Three months ended June 30, 2024 Sales of loans and related securitization activity (b) $ 703 $ 344 Repurchases of previously transferred loans (c) $ 18 Servicing fees (d) $ 138 $ 52 Servicing advances recovered/(funded), net $ 17 $ (41) Cash flows on mortgage-backed securities held (e) $ 978 $ 27 Cash Flows - Three months ended June 30, 2023 Sales of loans and related securitization activity (b) $ 655 $ 1,202 Repurchases of previously transferred loans (c) $ 22 Servicing fees (d) $ 127 $ 49 Servicing advances recovered/(funded), net $ 11 $ (15) Cash flows on mortgage-backed securities held (e) $ 695 $ 18 Cash Flows - Six months ended June 30, 2024 Sales of loans and related securitization activity (b) $ 1,228 $ 667 Repurchases of previously transferred loans (c) $ 41 $ 9 Servicing fees (d) $ 277 $ 99 Servicing advances recovered/(funded), net $ 40 $ (17) Cash flows on mortgage-backed securities held (e) $ 1,820 $ 101 Cash Flows - Six months ended June 30, 2023 Sales of loans and related securitization activity (b) $ 1,171 $ 2,156 Repurchases of previously transferred loans (c) $ 51 $ 9 Servicing fees (d) $ 255 $ 95 Servicing advances recovered/(funded), net $ 39 $ (64) Cash flows on mortgage-backed securities held (e) $ 1,298 $ 30 (a) Represents both commercial mortgage loan transfer 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 $18.9 billion, $20.4 billion and $21.2 billion in residential mortgage-backed securities at June 30, 2024, December 31, 2023 and June 30, 2023, respectively. The carrying values of commercial mortgage-backed securities were $0.7 billion at each June 30, 2024, December 31, 2023 and June 30, 2023. Table 52 presents information about the principal balances of transferred loans that we service and are not recorded on our Consolidated Balance Sheet. We would only experience a loss on these transferred loans if we were required to repurchase a loan, where the repurchase price exceeded the loan’s fair value, due to a breach in representations and warranties or a loss sharing arrangement associated with our continuing involvement with these loans. The estimate of losses related to breaches in representations and warranties was insignificant at June 30, 2024 and December 31, 2023. Table 52: Principal Balance, Delinquent Loans and Net Charge-offs Related to Serviced Loans For Others In millions Residential Mortgages Commercial Mortgages (a) June 30, 2024 Total principal balance $ 38,132 $ 55,099 Delinquent loans (b) $ 281 $ 107 December 31, 2023 Total principal balance $ 39,016 $ 57,492 Delinquent loans (b) $ 329 $ 89 Six months ended June 30, 2024 (c) Net charge-offs (d) $ 1 $ 61 Six months ended June 30, 2023 (c) Net charge-offs (d) $ 2 $ 4 (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 process of foreclosure. (c) There were no net charge-offs for Residential or Commercial mortgages for the three months ended June 30, 2024 and June 30, 2023. (d) 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 4 Loan Sale and Servicing Activities and Variable Interest Entities included in our 2023 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 53 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 53. These loans are included as part of the credit quality disclosures that we make in Note 3 Loans and Related Allowance for Credit Losses. Table 53: Non-Consolidated VIEs In millions PNC Risk of Loss (a) Carrying Value of Assets Carrying Value of Liabilities June 30, 2024 Mortgage-backed securitizations (b) $ 20,081 $ 20,085 (c) Tax credit investments and other 5,037 4,926 (d) (e) $ 2,072 (f) (g) Total $ 25,118 $ 25,011 $ 2,072 December 31, 2023 Mortgage-backed securitizations (b) $ 21,451 $ 21,453 (c) Tax credit investments and other 4,709 4,631 (d) (e) $ 2,119 (f) (g) Total $ 26,160 $ 26,084 $ 2,119 (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) Amount includes $3.3 billion of LIHTCs and $0.2 billion of NMTCs at June 30, 2024, which are included in Equity investments on our Consolidated Balance Sheet. Comparable amounts at December 31, 2023 were $3.0 billion and $0.2 billion, respectively. (f) Included in Deposits and Other liabilities on our Consolidated Balance Sheet. (g) Amount includes $1.8 billion of LIHTCs and less than $0.1 billion of NMTCs at June 30, 2024, which are included in Other liabilities on our Consolidated Balance Sheet. Comparable amounts at December 31, 2023 were $1.6 billion and $0.2 billion, respectively.

Goodwill and Mortgage Servicing

Goodwill and Mortgage Servicing Rights	6 Months Ended
	Jun. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Mortgage Servicing Rights	G OODWILL AND M ORTGAGE S ERVICING R IGHTS Goodwill See Note 5 Goodwill and Mortgage Servicing Rights in our 2023 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 benefits of servicing are expected to be more than adequate compensation to a servicer for performing the servicing. MSRs are recognized either when purchased or when originated loans are sold with servicing retained. MSRs totaled $3.7 billion at both June 30, 2024 and December 31, 2023, and consisted of loan servicing contracts for commercial and residential mortgages which are measured at fair value. We recognize gains (losses) on changes in the fair value of MSRs. 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 5 for more detail on our fair value measurement of MSRs. See Note 5 Goodwill and Mortgage Servicing Rights and Note 14 Fair Value in our 2023 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 54: Mortgage Servicing Rights Commercial MSRs Residential MSRs In millions 2024 2023 2024 2023 January 1 $ 1,032 $ 1,113 $ 2,654 $ 2,310 Additions: From loans sold with servicing retained 11 32 12 10 Purchases 24 17 29 109 Changes in fair value due to: Time and payoffs (a) (157) (164) (126) (113) Other (b) 172 108 88 33 June 30 $ 1,082 $ 1,106 $ 2,657 $ 2,349 Related unpaid principal balance of loans serviced at June 30 $ 288,746 $ 280,023 $ 203,543 $ 191,274 Servicing advances at June 30 $ 578 $ 485 $ 132 $ 126 (a) Represents decrease in MSR value due to passage of time, including the impact from regularly scheduled loan principal payments, prepayments and loans that were paid off during the period. (b) Includes MSR value changes resulting from changes in interest rates and other market-driven conditions. Sensitivity Analysis The fair value of commercial and residential MSRs and significant inputs to the valuation models as of June 30, 2024 and December 31, 2023 are shown in Tables 55 and 56. 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 55 and 56. 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. 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 55: Commercial Mortgage Servicing Rights – Key Valuation Assumptions Dollars in millions June 30, 2024 December 31, 2023 Fair value $ 1,082 $ 1,032 Weighted-average life (years) 3.9 3.9 Weighted-average constant prepayment rate 5.30 % 5.51 % Decline in fair value from 10% adverse change $ 9 $ 9 Decline in fair value from 20% adverse change $ 16 $ 17 Effective discount rate 9.98 % 9.64 % Decline in fair value from 10% adverse change $ 32 $ 31 Decline in fair value from 20% adverse change $ 64 $ 61 Table 56: Residential Mortgage Servicing Rights – Key Valuation Assumptions Dollars in millions June 30, 2024 December 31, 2023 Fair value $ 2,657 $ 2,654 Weighted-average life (years) 8.1 8.1 Weighted-average constant prepayment rate 6.25 % 6.42 % Decline in fair value from 10% adverse change $ 57 $ 60 Decline in fair value from 20% adverse change $ 110 $ 117 Weighted-average option adjusted spread 764 bps 765 bps Decline in fair value from 10% adverse change $ 82 $ 83 Decline in fair value from 20% adverse change $ 160 $ 161

Leases

Leases	6 Months Ended
	Jun. 30, 2024
Leases [Abstract]
Leases	L EASES PNC’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 6 Leases in our 2023 Form 10-K. Table 57: Lessor Income Three months ended Six months ended In millions 2024 2023 2024 2023 Sales-type and direct financing leases (a) $ 88 $ 73 $ 172 $ 143 Operating leases (b) 5 15 11 31 Lease income $ 93 $ 88 $ 183 $ 174 (a) Included in Loans interest income on the Consolidated Income Statement. (b) Included in Lending and deposit services on the Consolidated Income Statement.
Leases	L EASES PNC’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 6 Leases in our 2023 Form 10-K. Table 57: Lessor Income Three months ended Six months ended In millions 2024 2023 2024 2023 Sales-type and direct financing leases (a) $ 88 $ 73 $ 172 $ 143 Operating leases (b) 5 15 11 31 Lease income $ 93 $ 88 $ 183 $ 174 (a) Included in Loans interest income on the Consolidated Income Statement. (b) Included in Lending and deposit services on the Consolidated Income Statement.
Leases	L EASES PNC’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 6 Leases in our 2023 Form 10-K. Table 57: Lessor Income Three months ended Six months ended In millions 2024 2023 2024 2023 Sales-type and direct financing leases (a) $ 88 $ 73 $ 172 $ 143 Operating leases (b) 5 15 11 31 Lease income $ 93 $ 88 $ 183 $ 174 (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	6 Months Ended
	Jun. 30, 2024
Debt Disclosure [Abstract]
Borrowed Funds	B ORROWED F UNDS The following table shows the carrying value of total borrowed funds at June 30, 2024 (including adjustments related to accounting hedges, purchase accounting and unamortized original issuance discounts) by remaining contractual maturity: Table 58: Borrowed Funds In millions Less than 1 year $ 28,984 1 to 2 years 13,638 2 to 3 years 4,566 3 to 4 years 4,065 4 to 5 years 6,015 Over 5 years 14,123 Total $ 71,391 The following table presents the contractual rates and maturity dates of our FHLB borrowings, senior debt and subordinated debt as of June 30, 2024, and the carrying values as of June 30, 2024 and December 31, 2023. Table 59: FHLB Borrowings, Senior Debt and Subordinated Debt Stated Rate Maturity Carrying Value Dollars in millions June 30, 2024 June 30, 2024 June 30, 2024 December 31, 2023 Parent Company Senior debt 1.15% - 6.88% 2024-2035 $ 24,979 $ 22,221 Subordinated debt 4.63 % 2033 778 1,544 Junior subordinated debt 6.18 % 2028 206 206 Total Parent Company 25,963 23,971 Bank Federal Home Loan Bank borrowings (a) 5.53% - 5.93% 2024-2026 35,000 38,000 Senior debt 2.50% - 6.07% 2024-2043 4,622 4,615 Subordinated debt 2.70% - 5.90% 2025-2029 3,094 3,125 Total Bank 42,716 45,740 Total $ 68,679 $ 69,711 (a) FHLB borrowings are generally collateralized by residential mortgage loans, other mortgage-related loans and investment securities. In Table 59, the carrying values for parent company senior and subordinated debt include basis adjustments of $(766) million and $(68) million, respectively, whereas Bank senior and subordinated debt include basis adjustments of $(151) million and $(187) million, respectively, related to fair value accounting hedges as of June 30, 2024. Certain borrowings are reported at fair value. Refer to Note 11 Fair Value for more information on those borrowings.

Commitments

Commitments	6 Months Ended
	Jun. 30, 2024
Commitments and Guarantees [Abstract]
Commitments	C OMMITMENTS In 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 June 30, 2024 and December 31, 2023, respectively. In millions June 30, 2024 December 31, 2023 Commitments to extend credit Commercial $ 202,054 $ 203,080 Home equity 24,102 23,970 Credit card 35,249 33,978 Other 7,457 7,363 Total commitments to extend credit 268,862 268,391 Net outstanding standby letters of credit (a) 10,680 10,913 Standby bond purchase agreements (b) 1,167 1,078 Other commitments (c) 5,077 4,386 Total commitments to extend credit and other commitments $ 285,786 $ 284,768 (a) Net outstanding standby letters of credit include $3.6 billion and $3.9 billion at June 30, 2024 and December 31, 2023, respectively, which support remarketing programs. (b) We enter into standby bond purchase agreements to support municipal bond obligations. (c) Includes $2.1 billion related to investments in qualified affordable housing projects at both June 30, 2024 and December 31, 2023. 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 97% of our net outstanding standby letters of credit were rated as Pass at June 30, 2024, 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 June 30, 2024 had terms ranging from less than one year to seven years. As of June 30, 2024, assets of $1.0 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 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 June 30, 2024 and is included in Other liabilities on our Consolidated Balance Sheet.

Total Equity and Other Comprehe

Total Equity and Other Comprehensive Income	6 Months Ended
	Jun. 30, 2024
Equity [Abstract]
Total Equity and Other Comprehensive Income	T OTAL E QUITY A ND O THER C OMPREHENSIVE I NCOME Activity in total equity for the three and six months ended June 30, 2024 and 2023 is as follows: Table 61: Rollforward of Total Equity Shareholders’ Equity In millions Shares Common Capital Capital Retained Accumulated Treasury Non- Total Equity Three months ended Balance at March 31, 2023 (a) 399 $ 2,714 $ 7,235 $ 12,629 $ 54,598 $ (9,108) $ (19,024) $ 30 $ 49,074 Net income 1,483 17 1,500 Other comprehensive loss, net of tax (417) (417) Cash dividends declared - Common (606) (606) Cash dividends declared - Preferred (127) (127) Preferred stock discount accretion 2 (2) Common stock activity 1 16 17 Treasury stock activity (1) 3 (126) (123) Other 49 (21) 28 Balance at June 30, 2023 (a) 398 $ 2,715 $ 7,237 $ 12,697 $ 55,346 $ (9,525) $ (19,150) $ 26 $ 49,346 Balance at March 31, 2024 (a) 398 $ 2,716 $ 6,243 $ 12,789 $ 56,913 $ (8,042) $ (19,279) $ 34 $ 51,374 Net income 1,459 18 1,477 Other comprehensive income, net of tax 596 596 Cash dividends declared - Common (623) (623) Cash dividends declared - Preferred (95) (95) Preferred stock discount accretion 2 (2) Common stock activity 16 16 Treasury stock activity 6 (99) (93) Other 42 (13) 29 Balance at June 30, 2024 (a) 398 $ 2,716 $ 6,245 $ 12,853 $ 57,652 $ (7,446) $ (19,378) $ 39 $ 52,681 Six months ended Balance at December 31, 2022 (a) 401 $ 2,714 $ 5,746 $ 12,630 $ 53,572 $ (10,172) $ (18,716) $ 38 $ 45,812 Cumulative effect of ASU adoption (b) 26 26 Balance at January 1, 2023 (a) 401 $ 2,714 $ 5,746 $ 12,630 $ 53,598 $ (10,172) $ (18,716) $ 38 $ 45,838 Net income 3,160 34 3,194 Other comprehensive income, net of tax 647 647 Cash dividends declared - Common (1,213) (1,213) Cash dividends declared - Preferred (195) (195) Preferred stock discount accretion 4 (4) Preferred stock issuance (c) 1,487 1,487 Common stock activity 1 16 17 Treasury stock activity (3) 73 (434) (361) Other (22) (46) (68) Balance at June 30, 2023 (a) 398 $ 2,715 $ 7,237 $ 12,697 $ 55,346 $ (9,525) $ (19,150) $ 26 $ 49,346 Balance at December 31, 2023 (a) 398 $ 2,716 $ 6,241 $ 12,779 $ 56,290 $ (7,712) $ (19,209) $ 36 $ 51,141 Net income 2,789 32 2,821 Other comprehensive income, net of tax 266 266 Cash dividends declared - Common (1,247) (1,247) Cash dividends declared - Preferred (176) (176) Preferred stock discount accretion 4 (4) Common stock activity 16 16 Treasury stock activity 77 (169) (92) Other (19) (29) (48) Balance at June 30, 2024 (a) 398 $ 2,716 $ 6,245 $ 12,853 $ 57,652 $ (7,446) $ (19,378) $ 39 $ 52,681 (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) Represents the cumulative effect of adopting ASU 2022-02. (c) On February 7, 2023, PNC issued 1,500,000 depositary shares each representing 1/100th ownership in a share of 6.250% fixed-rate reset non-cumulative perpetual preferred stock, Series W, with a par value of $1 per share. Details of other comprehensive income (loss) are as follows: Table 62: Other Comprehensive Income (Loss) Three months ended June 30 Six months ended June 30 2024 2023 2024 2023 In millions Pre-tax Tax effect After-tax 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 $ (216) $ 52 $ (164) $ (476) $ 112 $ (364) $ (611) $ 147 $ (464) $ 178 $ (42) $ 136 Less: Net realized (losses) reclassified to earnings (a) (691) 166 (525) (235) 55 (180) (907) 218 (689) (450) 106 (344) Net change 475 (114) 361 (241) 57 (184) 296 (71) 225 628 (148) 480 Cash flow hedge derivatives Net unrealized (losses) on cash flow hedge derivatives (75) 18 (57) (689) 162 (527) (701) 168 (533) (492) 116 (376) Less: Net realized (losses) reclassified to earnings (a) (383) 92 (291) (373) 88 (285) (759) 182 (577) (703) 166 (537) Net change 308 (74) 234 (316) 74 (242) 58 (14) 44 211 (50) 161 Pension and other postretirement benefit plan adjustments Net pension and other postretirement benefit plan activity and other reclassified to earnings (b) 1 1 6 (1) 5 (1) (1) (4) 1 (3) Net change 1 1 6 (1) 5 (1) (1) (4) 1 (3) Other Net unrealized gains (losses) on other transactions 3 1 4 (2) (2) 7 2 9 Net change 3 1 4 (2) (2) 7 2 9 Total other comprehensive income (loss) $ 784 $ (188) $ 596 $ (548) $ 131 $ (417) $ 351 $ (85) $ 266 $ 842 $ (195) $ 647 (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 service costs (credits), which are recorded in Noninterest expense on the Consolidated Income Statement. Table 63: 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 March 31, 2023 $ (6,500) $ (2,302) $ (259) $ (47) $ (9,108) Net activity (184) (242) 5 4 (417) Balance at June 30, 2023 (a) $ (6,684) $ (2,544) $ (254) $ (43) $ (9,525) Balance at March 31, 2024 $ (5,966) $ (1,903) $ (127) $ (46) $ (8,042) Net activity 361 234 1 596 Balance at June 30, 2024 (a) $ (5,605) $ (1,669) $ (126) $ (46) $ (7,446) Six months ended Balance at December 31, 2022 $ (7,164) $ (2,705) $ (251) $ (52) $ (10,172) Net activity 480 161 (3) 9 647 Balance at June 30, 2023 (a) $ (6,684) $ (2,544) $ (254) $ (43) $ (9,525) Balance at December 31, 2023 $ (5,830) $ (1,713) $ (125) $ (44) $ (7,712) Net activity 225 44 (1) (2) 266 Balance at June 30, 2024 (a) $ (5,605) $ (1,669) $ (126) $ (46) $ (7,446) (a) AOCI included pretax losses of $285 million and $301 million from derivatives that hedged the purchase of investment securities classified as held to maturity at June 30, 2024 and June 30, 2023, respectively. The following table provides the dividends per share for PNC’s common and preferred stock: Table 64: Dividends Per Share (a) Three months ended June 30 Six months ended June 30 2024 2023 2024 2023 Common Stock $ 1.55 $ 1.50 $ 3.10 $ 3.00 Preferred Stock Series B $ 0.45 $ 0.45 $ 0.90 $ 0.90 Series O $ 2,100 $ 4,174 Series R $ 2,209 $ 2,425 $ 4,403 $ 2,425 Series S $ 2,500 $ 2,500 $ 2,500 $ 2,500 Series T $ 850 $ 850 $ 1,700 $ 1,700 Series U $ 1,500 $ 1,500 $ 3,000 $ 3,000 Series V $ 1,550 $ 1,550 $ 3,100 $ 3,100 Series W $ 1,562 $ 2,222 $ 3,125 $ 2,222 (a) Dividends are payable quarterly, other than Series S preferred stock, which is payable semiannually. On July 2, 2024, the PNC Board of Directors raised the quarterly cash dividend on common stock to $1.60 per share to be paid on August 5, 2024 to shareholders of record at the close of business July 15, 2024.

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2024
Earnings Per Share [Abstract]
Earnings Per Share	E ARNINGS P ER S HARE Table 65: Basic and Diluted Earnings Per Common Share Three months ended June 30 Six months ended June 30 In millions, except per share data 2024 2023 2024 2023 Basic Net income $ 1,477 $ 1,500 $ 2,821 $ 3,194 Less: Net income attributable to noncontrolling interests 18 17 32 34 Preferred stock dividends 95 127 176 195 Preferred stock discount accretion and redemptions 2 2 4 4 Net income attributable to common shareholders 1,362 1,354 2,609 2,961 Less: Dividends and undistributed earnings allocated to nonvested restricted shares 7 7 14 15 Net income attributable to basic common shareholders $ 1,355 $ 1,347 $ 2,595 $ 2,946 Basic weighted-average common shares outstanding 400 401 400 401 Basic earnings per common share (a) $ 3.39 $ 3.36 $ 6.49 $ 7.35 Diluted Net income attributable to diluted common shareholders $ 1,355 $ 1,347 $ 2,595 $ 2,946 Basic weighted-average common shares outstanding 400 401 400 401 Dilutive potential common shares Diluted weighted-average common shares outstanding 400 401 400 401 Diluted earnings per common share (a) $ 3.39 $ 3.36 $ 6.48 $ 7.34 (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	6 Months Ended
	Jun. 30, 2024
Fair Value Disclosures [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 14 Fair Value in our 2023 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 14 Fair Value in our 2023 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 66: Fair Value Measurements – Recurring Basis Summary June 30, 2024 December 31, 2023 In millions Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Assets Residential mortgage loans held for sale $ 547 $ 95 $ 642 $ 371 $ 103 $ 474 Commercial mortgage loans held for sale 291 4 295 227 11 238 Securities available for sale U.S. Treasury and government agencies $ 15,513 961 16,474 $ 6,292 659 6,951 Residential mortgage-backed Agency 27,096 27,096 27,880 27,880 Non-agency 624 624 696 696 Commercial mortgage-backed Agency 1,617 1,617 1,546 1,546 Non-agency 694 103 797 766 103 869 Asset-backed 2,024 96 2,120 1,014 102 1,116 Other 2,406 54 2,460 2,672 55 2,727 Total securities available for sale 15,513 34,798 877 51,188 6,292 34,537 956 41,785 Loans 490 701 1,191 512 726 1,238 Equity investments (a) 972 (b) 2,030 3,203 574 1,952 2,717 Residential mortgage servicing rights 2,657 2,657 2,654 2,654 Commercial mortgage servicing rights 1,082 1,082 1,032 1,032 Trading securities (c) 515 1,835 2,350 377 2,422 2,799 Financial derivatives (c) (d) 5 3,103 12 3,120 29 3,394 6 3,429 Other assets 431 129 8 568 403 85 8 496 Total assets (e) $ 17,436 $ 41,193 $ 7,466 $ 66,296 $ 7,675 $ 41,548 $ 7,448 $ 56,862 Liabilities Other borrowed funds $ 661 $ 121 $ 9 $ 791 $ 724 $ 84 $ 9 $ 817 Financial derivatives (d) (f) 6 6,027 183 6,216 11 5,736 152 5,899 Other liabilities 194 194 237 237 Total liabilities (g) $ 667 $ 6,148 $ 386 $ 7,201 $ 735 $ 5,820 $ 398 $ 6,953 (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 Visa C shares with an unrealized gain of $244 million at June 30, 2024. (c) Included in Other assets on the Consolidated Balance Sheet. (d) Amounts at June 30, 2024 and December 31, 2023 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 12 Financial Derivatives for additional information related to derivative offsetting. (e) Total assets at fair value as a percentage of total consolidated assets was 12% and 10% at June 30, 2024 and December 31, 2023, respectively. Level 3 assets as a percentage of total assets at fair value was 11% and 13% at June 30, 2024 and December 31, 2023, respectively. Level 3 assets as a percentage of total consolidated assets was 1% at both June 30, 2024 and December 31, 2023. (f) Included in Other liabilities on the Consolidated Balance Sheet. (g) Total liabilities at fair value as a percentage of total consolidated liabilities was 1% at both June 30, 2024 and December 31, 2023. Level 3 liabilities as a percentage of total liabilities at fair value was 5% and 6% at June 30, 2024 and December 31, 2023, respectively. Level 3 liabilities as a percentage of total consolidated liabilities was less than 1% at both June 30, 2024 and December 31, 2023. Reconciliations of assets and liabilities measured at fair value on a recurring basis using Level 3 inputs for the three and six months ended June 30, 2024 and 2023 are as follows: Table 67: Reconciliation of Level 3 Assets and Liabilities Three Months Ended June 30, 2024 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Value Mar. 31, 2024 Included in Included Purchases Sales Issuances Settlements Transfers Transfers Fair Assets Residential mortgage $ 98 $ 12 $ (11) $ (2) $ 1 $ (3) (d) $ 95 $ (1) Commercial mortgage 11 (7) 4 Securities available for sale Residential mortgage- 668 $ 3 $ (5) (42) 624 Commercial mortgage- backed non-agency 103 103 Asset-backed 100 (1) (3) 96 Other 53 3 (2) 54 Total securities 924 3 (6) 3 (47) 877 Loans 713 4 7 (2) (18) (3) (d) 701 4 Equity investments 2,030 31 47 (78) 2,030 23 Residential mortgage 2,687 16 16 $ 7 (69) 2,657 16 Commercial mortgage 1,075 65 12 8 (78) 1,082 65 Financial derivatives 9 9 2 (8) 12 11 Other assets 8 8 Total assets $ 7,555 $ 128 $ (6) $ 99 $ (91) $ 15 $ (229) $ 1 $ (6) $ 7,466 $ 118 Liabilities Other borrowed funds $ 9 $ 4 $ (4) $ 9 Financial derivatives 113 $ 110 $ 2 (42) 183 $ 115 Other liabilities 189 6 15 (16) 194 7 Total liabilities $ 311 $ 116 $ 2 $ 19 $ (62) $ 386 $ 122 Net gains (losses) $ 12 (e) $ (4) (f) (Continued from previous page) Three Months Ended June 30, 2023 Total realized / unrealized Unrealized gains/losses for the period on assets and liabilities held on Consolidated Balance Sheet at June 30, 2023 (a) (c) Level 3 Instruments Only Fair Value Mar. 31, 2023 Included in Earnings Included in Other comprehensive income (b) Purchases Sales Issuances Settlements Transfers into Level 3 Transfers out of Level 3 Fair Value June 30, 2023 Assets Residential mortgage $ 242 $ (4) $ 3 $ (41) $ (2) $ (7) (d) $ 191 $ (3) Commercial mortgage 32 1 (8) 25 Securities available for sale Residential mortgage- 787 4 $ 14 (37) 768 Commercial mortgage-backed non-agency 3 3 Asset-backed 121 1 (1) (4) 117 Other 53 3 (2) 54 Total securities 964 5 13 3 (43) 942 Loans 757 3 11 (1) (28) $ 8 (5) (d) 745 3 Equity investments 1,835 24 92 (328) 1,623 2 Residential mortgage 2,232 81 91 $ 5 (60) 2,349 80 Commercial mortgage 1,061 99 9 19 (82) 1,106 100 Financial derivatives 19 (10) 2 (5) 6 4 Total assets $ 7,142 $ 199 $ 13 $ 211 $ (370) $ 24 $ (228) $ 8 $ (12) $ 6,987 $ 186 Liabilities Other borrowed funds $ 5 $ 3 $ (3) $ 5 Financial derivatives 97 $ 79 $ 1 (37) 140 $ 80 Other liabilities 229 31 89 (110) 239 21 Total liabilities $ 331 $ 110 $ 1 $ 92 $ (150) $ 384 $ 101 Net gains (losses) $ 89 (e) $ 85 (f) (Continued from previous page) Six Months Ended June 30, 2024 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Included in Included Purchases Sales Issuances Settlements Transfers Transfers Fair Assets Residential mortgage $ 103 $ (1) $ 14 $ (11) $ (4) $ 3 $ (9) (d) $ 95 $ (2) Commercial mortgage 11 (7) 4 Securities available for sale Residential mortgage- 696 6 $ (11) (67) 624 Commercial mortgage- 103 103 Asset-backed 102 (1) (5) 96 Other 55 (2) 1 3 (3) 54 (2) Total securities 956 4 (11) 3 (75) 877 (2) Loans 726 8 12 (2) (38) (5) (d) 701 8 Equity investments 1,952 26 136 (84) 2,030 18 Residential mortgage 2,654 88 29 $ 12 (126) 2,657 88 Commercial mortgage 1,032 172 24 11 (157) 1,082 172 Financial derivatives 6 18 2 (14) 12 21 Other assets 8 8 Total assets $ 7,448 $ 315 $ (11) $ 220 $ (97) $ 23 $ (421) $ 3 $ (14) $ 7,466 $ 303 Liabilities Other borrowed funds $ 9 $ 7 $ (7) $ 9 Financial derivatives 152 $ 118 $ 2 (89) 183 $ 120 Other liabilities 237 (14) 28 (57) 194 9 Total liabilities $ 398 $ 104 $ 2 $ 35 $ (153) $ 386 $ 129 Net gains (losses) $ 211 (e) $ 174 (f) (Continued from previous page) Six Months Ended June 30, 2023 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Included in Included Purchases Sales Issuances Settlements Transfers Transfers Fair Value June 30, 2023 Assets Residential mortgage $ 243 $ 9 $ (42) $ (7) $ 3 $ (15) (d) $ 191 $ 1 Commercial mortgage 33 (8) 25 Securities available for sale Residential mortgage- 819 $ 8 $ 4 (63) 768 Commercial mortgage- 3 3 Asset-backed 124 1 (8) 117 Other 55 (4) 3 (3) 3 54 Total securities 1,001 9 3 (74) 3 942 Loans 769 6 20 (1) (50) 15 (14) (d) 745 6 Equity investments 1,778 145 232 (398) (134) (g) 1,623 119 Residential mortgage 2,310 33 109 $ 10 (113) 2,349 33 Commercial mortgage 1,113 108 17 32 (164) 1,106 108 Financial derivatives 5 7 3 (9) 6 10 Total assets $ 7,252 $ 308 $ 393 $ (441) $ 42 $ (425) $ 21 $ (163) $ 6,987 $ 277 Liabilities Other borrowed funds $ 4 $ 6 $ (5) $ 5 Financial derivatives 123 $ 118 $ 3 (104) 140 $ 122 Other liabilities 294 55 107 (217) 239 42 Total liabilities $ 421 $ 173 $ 3 $ 113 $ (326) $ 384 $ 164 Net gains (losses) $ 135 (e) $ 113 (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. (g) Transfers out of Level 3 during the prior period were due to valuation methodology changes for certain private company investments. See Note 1 Accounting Policies in our 2023 Form 10-K for more information on our accounting for private company investments. 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 68: Fair Value Measurements – Recurring Quantitative Information June 30, 2024 Level 3 Instruments Only Fair Value Valuation Techniques Unobservable Inputs Range (Weighted-Average) (a) Commercial mortgage loans held for sale $ 4 Discounted cash flow Spread over the benchmark curve (b) 575bps - 1,090bps (985bps) Residential mortgage-backed 624 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 27.9% (2.9%) Constant default rate 0.0% - 12.0% (1.9%) Loss severity 10.0% - 77.4% (42.2%) Spread over the benchmark curve (b) 272bps weighted-average Asset-backed securities 96 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 28.0% (4.5%) Constant default rate 0.0% - 8.1% (1.6%) Loss severity 30.0% - 100.0% (48.7%) Spread over the benchmark curve (b) 227bps weighted-average Loans - Residential real estate - Uninsured 532 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (57.4%) Loss severity 0.0% - 100.0% (5.1%) Discount rate 5.5% - 7.5% (5.8%) Loans - Residential real estate 71 Discounted cash flow Loss severity 6.0% weighted-average Discount rate 8.0% weighted-average Loans - Home equity - First-lien 16 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (58.6%) Loss severity 0.0% - 100.0% (12.9%) Discount rate 5.5% - 7.5% (6.1%) Loans - Home equity 82 Consensus pricing (c) Credit and liquidity discount 0.0% - 100.0% (42.1%) Equity investments 2,030 Multiple of adjusted earnings Multiple of earnings 5.0x - 27.0x (10.3x) Residential mortgage servicing rights 2,657 Discounted cash flow Constant prepayment rate 0.0% - 40.7% (6.3%) Spread over the benchmark curve (b) 336bps - 2,338bps (764bps) Commercial mortgage servicing rights 1,082 Discounted cash flow Constant prepayment rate 5.1% - 8.3% (5.3%) Discount rate 8.1% - 10.3% (10.0%) Financial derivatives - Swaps related to (180) Discounted cash flow Estimated conversion factor of Visa Class B shares into Class A shares 1.59 weighted-average Estimated annual growth rate of Visa Class A share price 16.0% Estimated litigation resolution date Q1 2026 Insignificant Level 3 assets, net of 66 Total Level 3 assets, net of liabilities (e) $ 7,080 (Continued from previous page) December 31, 2023 Level 3 Instruments Only Fair Value Valuation Techniques Unobservable Inputs Range (Weighted-Average) (a) Commercial mortgage loans held for sale $ 11 Discounted cash flow Spread over the benchmark curve (b) 575bps - 3,610bps (1,647bps) Residential mortgage-backed 696 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 27.9% (3.7%) Constant default rate 0.0% - 12.0% (2.7%) Loss severity 10.0% - 69.0% (41.2%) Spread over the benchmark curve (b) 285bps weighted-average Asset-backed securities 102 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 28.0% (5.1%) Constant default rate 0.0% - 4.3% (1.7%) Loss severity 20.0% - 100.0% (49.5%) Spread over the benchmark curve (b) 248bps weighted-average Loans - Residential real estate - Uninsured 546 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (59.1%) Loss severity 0.0% - 100.0% (5.4%) Discount rate 5.5% - 7.5% (5.8%) Loans - Residential real estate 75 Discounted cash flow Loss severity 6.0% weighted-average Discount rate 7.8% weighted-average Loans - Home equity - First-lien 18 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (60.9%) Loss severity 0.0% - 100.0% (14.4%) Discount rate 5.5% - 7.5% (6.2%) Loans - Home equity 87 Consensus pricing (c) Credit and liquidity discount 0.3% - 100.0% (43.8%) Equity investments 1,952 Multiple of adjusted earnings Multiple of earnings 4.5x - 26.7x (10.1x) Residential mortgage servicing rights 2,654 Discounted cash flow Constant prepayment rate 0.0% - 33.6% (6.4%) Spread over the benchmark curve (b) 337bps - 1,668bps (765bps) Commercial mortgage servicing rights 1,032 Discounted cash flow Constant prepayment rate 5.3% - 9.7% (5.5%) Discount rate 7.6% - 10.0% (9.6%) Financial derivatives - Swaps related to (145) Discounted cash flow Estimated conversion factor of Visa Class B shares into Class A shares 1.59 weighted-average Estimated annual growth rate of Visa Class A share price 16.0% Estimated litigation resolution date Q3 2024 Insignificant Level 3 assets, net of 22 Total Level 3 assets, net of liabilities (e) $ 7,050 (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 $7.5 billion and total Level 3 liabilities of $0.4 billion as of June 30, 2024 and $7.4 billion and $0.4 billion as of December 31, 2023, 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 69. For more information regarding the valuation methodologies of our financial assets measured at fair value on a nonrecurring basis, see Note 14 Fair Value in our 2023 Form 10-K. Assets measured at fair value on a nonrecurring basis follow: Table 69: Fair Value Measurements – Nonrecurring (a) (b) (c) Fair Value Gains (Losses) Gains (Losses) In millions June 30 December 31 June 30 June 30 June 30 June 30 Assets Nonaccrual loans $ 769 $ 578 $ (192) $ (99) $ (245) $ (174) Equity investments 170 203 8 (5) (1) (8) Loans held for sale 25 OREO and foreclosed assets 6 12 (1) (2) (1) Long-lived assets 10 9 (3) (10) (6) (15) Total assets $ 980 $ 802 $ (188) $ (114) $ (254) $ (198) (a) All Level 3 for the periods presented, except for $25 million included in Loans held for sale which was categorized as Level 2 as of June 30, 2024 and $30 million included in Equity investments which was categorized as Level 1 as of December 31, 2023. (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 14 Fair Value in our 2023 Form 10-K. Fair values and aggregate unpaid principal balances of items for which we elected the fair value option are as follows: Table 70: Fair Value Option – Fair Value and Principal Balances June 30, 2024 December 31, 2023 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 $ 604 $ 601 $ 3 $ 432 $ 429 $ 3 Accruing loans 90 days or more past due 8 8 6 6 Nonaccrual loans 30 36 (6) 36 43 (7) Total $ 642 $ 645 $ (3) $ 474 $ 478 $ (4) Commercial mortgage loans held for sale (a) (b) Accruing loans less than 90 days past due $ 295 $ 289 $ 6 $ 238 $ 228 $ 10 Loans Accruing loans less than 90 days past due $ 607 $ 646 $ (39) $ 507 $ 520 $ (13) Accruing loans 90 days or more past due 119 130 (11) 146 156 (10) Nonaccrual loans 465 631 (166) 585 793 (208) Total $ 1,191 $ 1,407 $ (216) $ 1,238 $ 1,469 $ (231) Other assets $ 129 $ 132 $ (3) $ 85 $ 69 $ 16 Liabilities Other borrowed funds $ 32 $ 33 $ (1) $ 39 $ 40 $ (1) Other liabilities $ 104 $ 104 $ 124 $ 124 (a) There were no accruing loans 90 days or more past due within this category at June 30, 2024 or December 31, 2023. (b) There were no nonaccrual loans within this category at June 30, 2024 or December 31, 2023. The changes in fair value for items for which we elected the fair value option are as follows: Table 71: Fair Value Option – Changes in Fair Value (a) Gains (Losses) Gains (Losses) Three months ended Six months ended June 30 June 30 June 30 June 30 In millions 2024 2023 2024 2023 Assets Residential mortgage loans held for sale $ 6 $ 2 $ 14 $ 17 Commercial mortgage loans held for sale $ 14 $ 22 $ 9 $ 23 Loans $ 6 $ 5 $ 12 $ 9 Other assets $ (2) $ 2 $ 3 $ (12) Liabilities Other liabilities $ (7) $ (21) $ (9) $ (41) (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 June 30, 2024 and December 31, 2023. For more information regarding the methods and assumptions used to estimate the fair values of financial instruments included in Table 72, see Note 14 Fair Value in our 2023 Form 10-K. Table 72: Additional Fair Value Information Related to Other Financial Instruments Carrying Fair Value In millions Amount Total Level 1 Level 2 Level 3 June 30, 2024 Assets Cash and due from banks $ 6,242 $ 6,242 $ 6,242 Interest-earning deposits with banks (a) 33,039 33,039 32,630 $ 409 Securities held to maturity 87,462 82,255 29,716 52,387 $ 152 Net loans (excludes leases) 309,047 302,613 302,613 Other assets 5,734 5,709 5,700 9 Total assets $ 441,524 $ 429,858 $ 68,588 $ 58,496 $ 302,774 Liabilities Time deposits $ 35,905 $ 35,910 $ 35,910 Borrowed funds 70,511 71,325 70,240 $ 1,085 Unfunded lending related commitments 717 717 717 Other liabilities 1,229 1,229 1,229 Total liabilities $ 108,362 $ 109,181 $ 107,379 $ 1,802 December 31, 2023 Assets Cash and due from banks $ 6,921 $ 6,921 $ 6,921 Interest-earning deposits with banks (a) 43,804 43,804 43,313 $ 491 Securities held to maturity 90,790 86,948 30,943 55,850 $ 155 Net loans (excludes leases) 308,936 299,645 299,645 Other assets 5,872 5,872 5,872 Total assets $ 456,323 $ 443,190 $ 81,177 $ 62,213 $ 299,800 Liabilities Time deposits $ 31,569 $ 31,602 $ 31,602 Borrowed funds 71,816 72,369 71,194 $ 1,175 Unfunded lending related commitments 663 663 663 Other liabilities 1,091 1,091 1,091 Total liabilities $ 105,139 $ 105,725 $ 103,887 $ 1,838 (a) In the second quarter of 2024, we reclassified balances held at the Federal Reserve Bank from Level 2 to Level 1 to align with our updated cash and cash equivalents policy. For additional details, see Note 1 Accounting Policies. The aggregate fair values in Table 72 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 66), • 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, • 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	6 Months Ended
	Jun. 30, 2024
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 15 Financial Derivatives in our 2023 Form 10-K. The following tables presents the notional and gross fair value amounts of all derivative assets and liabilities held by us: Table 73: Total Gross Derivatives (a) June 30, 2024 December 31, 2023 In millions Notional / Asset Fair Liability Fair Notional / Asset Fair Liability Fair Derivatives used for hedging Interest rate contracts: Fair value hedges (d) $ 45,627 $ 32,079 Cash flow hedges (d) 52,797 $ 2 33,302 Cash flow hedges - other (e) 25,000 209 $ 217 25,000 $ 327 $ 137 Foreign exchange contracts: Net investment hedges 1,235 7 1,174 2 Total derivatives designated for hedging $ 124,659 $ 218 $ 217 $ 91,555 $ 327 $ 139 Derivatives not used for hedging Derivatives used for mortgage banking activities (f): Interest rate contracts: Swaps $ 46,247 $ 43,450 Futures (g) 8,920 10,370 Mortgage-backed commitments 4,573 $ 58 $ 51 3,093 $ 66 $ 67 Other 15,695 18 11 15,544 46 22 Total interest rate contracts 75,435 76 62 72,457 112 89 Derivatives used for customer-related activities: Interest rate contracts: Swaps 395,502 1,733 4,815 401,607 1,723 4,228 Futures (g) 110 73 Mortgage-backed commitments 4,595 5 9 2,592 9 25 Other 27,749 185 138 28,489 186 169 Total interest rate contracts 427,956 1,923 4,962 432,761 1,918 4,422 Commodity contracts: Swaps 6,498 380 356 6,714 577 569 Other 9,130 230 230 4,797 188 188 Total commodity contracts 15,628 610 586 11,511 765 757 Foreign exchange contracts and other 31,280 248 196 32,885 295 239 Total derivatives for customer-related activities 474,864 2,781 5,744 477,157 2,978 5,418 Derivatives used for other risk management activities: Foreign exchange contracts and other 12,372 45 193 14,882 12 253 Total derivatives not designated for hedging $ 562,671 $ 2,902 $ 5,999 $ 564,496 $ 3,102 $ 5,760 Total gross derivatives $ 687,330 $ 3,120 $ 6,216 $ 656,051 $ 3,429 $ 5,899 Less: Impact of legally enforceable master netting agreements 1,321 1,321 1,406 1,406 Less: Cash collateral received/paid 1,139 1,189 1,126 955 Total derivatives $ 660 $ 3,706 $ 897 $ 3,538 (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) Represents caps and floors. (f) Includes both residential and commercial mortgage banking activities. (g) 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 12. 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 June 30, 2024, we expect to reclassify net derivative losses of $1.1 billion pretax, or $0.9 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 June 30, 2024. As of June 30, 2024, 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 74: 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 June 30, 2024 Total amounts in the Consolidated Income Statement $ 4,842 $ 1,001 $ 1,182 $ 332 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ 182 $ 22 Derivatives $ (185) $ (19) Amounts related to interest settlements on derivatives $ 29 $ (190) Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (347) $ (8) $ (28) Other amounts related to interest settlements on derivatives $ 20 For the three months ended June 30, 2023 Total amounts in the Consolidated Income Statement $ 4,523 $ 883 $ 903 $ 129 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ (48) $ 432 Derivatives $ 50 $ (439) Amounts related to interest settlements on derivatives $ 7 $ (147) Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (365) $ (8) Other amounts related to interest settlements on derivatives $ 27 For the six months ended June 30, 2024 Total amounts on the Consolidated Income Statement $ 9,661 $ 1,884 $ 2,341 $ 467 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ 108 $ 435 Derivatives $ (111) $ (447) Amounts related to interest settlements on derivatives $ 39 $ (365) Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (716) $ (15) $ (28) Other amounts related to interest settlements on derivatives $ 42 For the six months ended June 30, 2023 Total amounts on the Consolidated Income Statement $ 8,781 $ 1,768 $ 1,686 $ 387 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ (1) $ 135 Derivatives $ 5 $ (148) Amounts related to interest settlements on derivatives $ 12 $ (260) Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (690) $ (13) Other amounts related to interest settlements on derivatives $ 55 (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. (d) Detail regarding the impact of fair value hedge accounting on the carrying value of the hedged items is presented in the following table: Table 75: Hedged Items - Fair Value Hedges June 30, 2024 December 31, 2023 In millions Carrying Value of the Hedged Items Cumulative Fair Carrying Value of the Hedged Items Cumulative Fair Value Investment securities - available for sale (b) $ 12,000 $ (12) $ 2,076 $ (122) Borrowed funds $ 32,543 $ (1,172) $ 30,503 $ (737) (a) Includes less than $(0.1) billion of fair value hedge adjustments primarily related to discontinued borrowed funds hedge relationships at both June 30, 2024 and December 31, 2023. (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. Net gains (losses) on net investment hedge derivatives recognized in OCI were $(2) million for the three months ended June 30, 2024 compared to $(28) million for the three months ended June 30, 2023 and $9 million for the six months ended June 30, 2024 compared to $(46) million for the same period in 2023. Derivatives Not Designated As Hedging Instruments For additional information on derivatives not designated as hedging instruments under GAAP, see Note 15 Financial Derivatives in our 2023 Form 10-K. Further detail regarding the gains (losses) on derivatives not designated in hedging relationships is presented in the following table: Table 76: Gains (Losses) on Derivatives Not Designated for Hedging Three months ended June 30 Six months ended June 30 In millions 2024 2023 2024 2023 Derivatives used for mortgage banking activities: Interest rate contracts (a) $ (45) $ (184) $ (168) $ (77) Derivatives used for customer-related activities: Interest rate contracts (21) 33 (37) 35 Foreign exchange contracts and other 46 58 75 114 Gains from customer-related activities (b) 25 91 38 149 Derivatives used for other risk management activities: Foreign exchange contracts and other (b) (93) (137) 32 (214) Total gains (losses) from derivatives not designated as hedging instruments $ (113) $ (230) $ (98) $ (142) (a) Included in Residential and commercial mortgage noninterest income on our Consolidated Income Statement. (b) Included in Capital markets and advisory 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 15 Financial Derivatives in our 2023 Form 10-K. Table 77 shows the impact legally enforceable master netting agreements had on our derivative assets and derivative liabilities at June 30, 2024 and December 31, 2023. 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 77: 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 June 30, 2024 Derivative assets Interest rate contracts: Over-the-counter cleared $ 11 $ 11 $ 11 Over-the-counter 2,199 $ 914 $ 870 415 $ 31 384 Commodity contracts 610 324 156 130 2 128 Foreign exchange and other contracts 300 83 113 104 104 Total derivative assets $ 3,120 $ 1,321 $ 1,139 $ 660 (a) $ 33 $ 627 Derivative liabilities Interest rate contracts: Over-the-counter cleared $ 15 $ 15 $ 15 Over-the-counter 5,226 $ 802 $ 1,188 3,236 $ 64 3,172 Commodity contracts 586 418 168 168 Foreign exchange and other contracts 389 101 1 287 287 Total derivative liabilities $ 6,216 $ 1,321 $ 1,189 $ 3,706 (b) $ 64 $ 3,642 December 31, 2023 Derivative assets Interest rate contracts: Over-the-counter cleared $ 19 $ 19 $ 19 Over-the-counter 2,338 $ 976 $ 767 595 $ 61 534 Commodity contracts 765 316 283 166 5 161 Foreign exchange and other contracts 307 114 76 117 117 Total derivative assets $ 3,429 $ 1,406 $ 1,126 $ 897 (a) $ 66 $ 831 Derivative liabilities Interest rate contracts: Over-the-counter cleared $ 36 $ 36 $ 36 Over-the-counter 4,612 $ 885 $ 942 2,785 $ 58 2,727 Commodity contracts 757 332 425 425 Foreign exchange and other contracts 494 189 13 292 292 Total derivative liabilities $ 5,899 $ 1,406 $ 955 $ 3,538 (b) $ 58 $ 3,480 (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 June 30, 2024, cash and debt securities (primarily agency mortgage-backed securities) totaling $2.5 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 $2.5 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 June 30, 2024 and December 31, 2023. Table 78: Credit-Risk Contingent Features In billions June 30, 2024 December 31, 2023 Net derivative liabilities with credit-risk contingent features $ 4.8 $ 4.2 Less: Collateral posted 1.3 1.0 Maximum additional amount of collateral exposure $ 3.5 $ 3.2

Legal Proceedings

Legal Proceedings	6 Months Ended
	Jun. 30, 2024
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 reasonably possible losses or ranges of reasonably 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 13 as well as those matters disclosed in Note 20 Legal Proceedings in our 2023 Form 10-K (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 June 30, 2024, 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 20 Legal Proceedings in our 2023 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 Disclosed Matters, 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 would 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. Interchange Litigation In June 2024, the district court denied preliminary approval of the settlement agreement to resolve the class action seeking equitable relief in the U.S. District Court for the Eastern District of New York under the caption In re Payment Card Interchange Fee and Merchant-Discount Antitrust Litigation (Master File No. 1:05-md-1720-MKB-JAM). 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	6 Months Ended
	Jun. 30, 2024
Segment Reporting [Abstract]
Segment Reporting	S EGMENT R EPORTING We have three reportable business segments: Retail Banking, Corporate & Institutional Banking and Asset Management Group: Retail Banking provides deposit, lending, brokerage, insurance services, investment management and cash management products and services to consumer and small business customers who are serviced through our coast-to-coast branch network, digital channels, ATMs, or through our phone-based customer contact centers. Deposit products include checking, savings and money market accounts and time deposits. 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, capital markets and advisory 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 and access to online/mobile information management and reporting services. Capital markets and advisory includes services and activities primarily related to merger and acquisitions advisory, equity capital markets advisory, asset-backed financing, loan syndication, securities underwriting and customer-related trading. 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 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, cash and fixed income client solutions and retirement plan fiduciary investment services to institutional clients including corporations, healthcare systems, insurance companies, unions, municipalities and non-profits. The remaining corporate operations are reflected in Other: 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, corporate overhead net of allocations, tax adjustments that are not allocated to business segments, exited businesses and the residual impact from FTP operations. Other earnings declined in both the quarterly and year-to-date comparisons. Amounts for the second quarter of 2024 were driven by the residual impacts from FTP due to the interest rate environment, and the loss related to the repositioning of the investment securities portfolio, along with the expense related to a PNC Foundation contribution. Other earnings for the first six months of 2024 also included the additional expense related to the increase in the FDIC’s expected losses. Basis of Presentation 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. Funds Transfer Pricing Net interest income in business segment results reflects our internal FTP methodology, which is designed to consider interest rate and liquidity risks. Under our methodology, assets receive a funding charge while liabilities and capital receive a funding credit based on market interest rates, product characteristics and other factors. Our transfer pricing framework considers the application of funding curves and methodologies consistently across the balance sheet. A residual gain or loss from FTP operations is retained within Other. This residual gain or loss is reviewed by management quarterly, in accordance with the interagency guidance of the FDIC, Federal Reserve and OCC. Segment Allocations Financial results are presented, to the extent practicable, as if each business operated on a standalone basis, and includes expense allocations for corporate overhead services used by the business segments. Certain costs are retained within Other. These costs are not allocated to our business segments because they (i) are transitory or highly irregular in nature, (ii) exist solely to support corporate activities unrelated to business segment operations, or (iii) reflect residual costs for an exited business. During the first six months of 2024, Other noninterest expense for the Other category included the additional expense related to the increase in the FDIC’s expected losses, as well as a PNC Foundation contribution. These costs were not allocated to our business segments as the FDIC special assessment expense was irregular in nature, and the contribution expense supported corporate activities. We have allocated the ALLL and the allowance for unfunded lending related commitments based on the loan exposures within each business segment’s portfolio. Business Segment Results Table 79: Results of Businesses Three months ended June 30 Retail Banking Corporate & Asset Other Consolidated (a) 2024 Income Statement Net interest income $ 2,709 $ 1,531 $ 163 $ (1,101) $ 3,302 Noninterest income 1,409 942 235 (477) 2,109 Total revenue 4,118 2,473 398 (1,578) 5,411 Provision for (recapture of) credit losses 27 228 2 (22) 235 Depreciation and amortization 80 51 9 145 285 Other noninterest expense 1,761 860 252 199 3,072 Income (loss) before income taxes (benefit) and noncontrolling interests 2,250 1,334 135 (1,900) 1,819 Income taxes (benefit) 524 283 32 (497) 342 Net income (loss) 1,726 1,051 103 (1,403) 1,477 Less: Net income attributable to noncontrolling interests 11 5 2 18 Net income (loss) excluding noncontrolling interests $ 1,715 $ 1,046 $ 103 $ (1,405) $ 1,459 Average Assets $ 115,102 $ 229,604 $ 17,018 $ 201,306 $ 563,030 2023 Income Statement Net interest income $ 2,448 $ 1,349 $ 125 $ (412) $ 3,510 Noninterest income 702 821 228 32 1,783 Total revenue 3,150 2,170 353 (380) 5,293 Provision for (recapture of) credit losses (14) 209 (10) (39) 146 Depreciation and amortization 81 53 7 143 284 Other noninterest expense 1,823 868 273 124 3,088 Income (loss) before income taxes (benefit) and noncontrolling interests 1,260 1,040 83 (608) 1,775 Income taxes (benefit) 295 218 20 (258) 275 Net income (loss) 965 822 63 (350) 1,500 Less: Net income attributable to noncontrolling interests 11 5 1 17 Net income (loss) excluding noncontrolling interests $ 954 $ 817 $ 63 $ (351) $ 1,483 Average Assets $ 114,826 $ 234,174 $ 15,562 $ 190,945 $ 555,507 (Continued from previous page) Six months ended June 30 Retail Corporate & Asset Other Consolidated (a) 2024 Income Statement Net interest income $ 5,326 $ 3,051 $ 320 $ (2,131) $ 6,566 Noninterest income 2,173 1,830 465 (478) 3,990 Total revenue 7,499 4,881 785 (2,609) 10,556 Provision for (recapture of) credit losses 145 275 (3) (27) 390 Depreciation and amortization 159 101 16 289 565 Other noninterest expense 3,519 1,732 510 365 6,126 Income (loss) before income taxes (benefit) and noncontrolling interests 3,676 2,773 262 (3,236) 3,475 Income taxes (benefit) 857 596 62 (861) 654 Net income (loss) 2,819 2,177 200 (2,375) 2,821 Less: Net income attributable to noncontrolling interests 19 10 3 32 Net income (loss) excluding noncontrolling interests $ 2,800 $ 2,167 $ 200 $ (2,378) $ 2,789 Average Assets $ 114,651 $ 229,151 $ 16,873 $ 202,264 $ 562,939 2023 Income Statement Net interest income $ 4,729 $ 2,732 $ 252 $ (618) $ 7,095 Noninterest income 1,445 1,707 458 191 3,801 Total revenue 6,174 4,439 710 (427) 10,896 Provision for (recapture of) credit losses 224 181 (1) (23) 381 Depreciation and amortization 159 107 13 286 565 Other noninterest expense 3,672 1,753 547 156 6,128 Income (loss) before income taxes (benefit) and noncontrolling interests 2,119 2,398 151 (846) 3,822 Income taxes (benefit) 497 512 36 (417) 628 Net income (loss) 1,622 1,886 115 (429) 3,194 Less: Net income attributable to noncontrolling interests 21 10 3 34 Net income (loss) excluding noncontrolling interests $ 1,601 $ 1,876 $ 115 $ (432) $ 3,160 Average Assets $ 115,103 $ 234,354 $ 15,282 $ 194,162 $ 558,901 (a) There were no material intersegment revenues for the three and six months ended June 30, 2024 and 2023.

Fee-Based Revenue from Contract

Fee-Based Revenue from Contracts with Customers	6 Months Ended
	Jun. 30, 2024
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 23 Fee-based Revenue from Contracts with Customers in our 2023 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. Table 80 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 23 Fee-based Revenue from Contracts with Customers in our 2023 Form 10-K. Table 80: Noninterest Income by Business Segment and Reconciliation to Consolidated Noninterest Income Three Months Ended Three Months Ended Retail Banking Corporate & Asset Management Group Retail Banking Corporate & Asset Management Group Asset management and brokerage Asset management fees $ 229 $ 222 Brokerage fees $ 135 $ 124 2 Total asset management and brokerage 135 229 124 224 Card and cash management Treasury management fees 11 $ 371 11 $ 345 Debit card fees 176 178 Net credit card fees (a) 58 61 Merchant services 41 19 45 19 Other 22 25 Total card and cash management 308 390 320 364 Lending and deposit services Deposit account fees 158 151 Other 19 8 18 8 Total lending and deposit services 177 8 169 8 Residential and commercial mortgage (b) 28 40 Capital markets and advisory 193 130 Other 11 14 Total in-scope noninterest income 620 630 229 613 556 224 Out-of-scope noninterest income (c) 789 312 6 89 265 4 Noninterest income by business segment $ 1,409 $ 942 $ 235 $ 702 $ 821 $ 228 Reconciliation to consolidated noninterest income Total in-scope business segment noninterest income $ 1,479 $ 1,393 Out-of-scope business segment noninterest income (c) 1,107 358 Noninterest income from other segments (477) 32 Noninterest income as shown on the Consolidated Income Statement $ 2,109 $ 1,783 (Continued from previous page) Six Months Ended Six Months Ended Retail Banking Corporate & Asset Retail Banking Corporate & Asset Asset management and brokerage Asset management fees $ 456 $ 446 Brokerage fees $ 272 $ 254 4 Total asset management and brokerage 272 456 254 450 Card and cash management Treasury management fees 21 $ 728 21 $ 673 Debit card fees 343 343 Net credit card fees (a) 103 119 Merchant services 78 38 84 38 Other 44 49 Total card and cash management 589 766 616 711 Lending and deposit services Deposit account fees 313 306 Other 35 17 36 16 Total lending and deposit services 348 17 342 16 Residential and commercial mortgage (b) 58 82 Capital markets and advisory 383 286 Other 28 22 Total in-scope noninterest income 1,209 1,252 456 1,212 1,117 450 Out-of-scope noninterest income (c) 964 578 9 233 590 8 Noninterest income by business segment $ 2,173 $ 1,830 $ 465 $ 1,445 $ 1,707 $ 458 Reconciliation to consolidated noninterest income Total in-scope business segment noninterest income $ 2,917 $ 2,779 Out-of-scope business segment noninterest income (c) 1,551 831 Noninterest income from other segments (478) 191 Noninterest income as shown on the Consolidated Income Statement $ 3,990 $ 3,801 (a) Net credit card fees consists of interchange fees of $170 million and $173 million and credit card reward costs of $113 million and $112 million for the three months ended June 30, 2024 and 2023, respectively. Net credit card fees consists of interchange fees of $328 million and $333 million and credit card reward costs of $226 million and $214 million for the six months ended June 30, 2024 and 2023, 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. (c)

Subsequent Events

Subsequent Events	6 Months Ended
	Jun. 30, 2024
Subsequent Events [Abstract]
Subsequent Events	S UBSEQUENT E VENTS

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Jun. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Accounting Policies (Policies)

Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
Basis of Financial Statement Presentation	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. 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. Effective for the second quarter of 2024, we updated our policy to classify Interest-earning deposits with banks as Cash and cash equivalents on the Consolidated Statement of Cash Flows when reconciling Cash and due from banks and restricted cash. 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 through the date of issuance of the consolidated financials. When preparing these unaudited interim consolidated financial statements, we have assumed that you have read the audited consolidated financial statements included in our 2023 Form 10-K. Reference is made to Note 1 Accounting Policies in our 2023 Form 10-K for a detailed description of significant accounting policies. These interim consolidated financial statements serve to update our 2023 Form 10-K and may not include all information and Notes necessary to constitute a complete set of financial statements.
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. Actual results may differ from the estimates, and the differences may be material to the consolidated financial statements.
Cash, Cash Equivalents and Restricted Cash	Cash, Cash Equivalents and Restricted Cash Cash and due from banks are considered cash and cash equivalents for financial reporting purposes because they represent a source of liquidity. Certain cash balances within Cash and due from banks on our Consolidated Balance Sheet are restricted as to withdrawal or usage by legally binding contractual agreements or regulatory requirements. Effective for the second quarter of 2024, we updated our policy to classify Interest-earning deposits with banks as Cash and cash equivalents on the Consolidated Statement of Cash Flows when reconciling Cash and due from banks and restricted cash. We believe this presentation enhances the usefulness of financial reporting because management views these funds as a source of liquidity for future transactions, while enhancing comparability to align with industry practice. There is no impact to our Consolidated Income Statement (including EPS), Consolidated Statement of Comprehensive Income, Consolidated Balance Sheet, or Consolidated Statement of Changes in Equity. All periods presented herein reflect this change.
Recently Adopted Accounting Standards	Recently Adopted Accounting Standards

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2024
Investments, Debt and Equity Securities [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)(b) June 30, 2024 December 31, 2023 In millions Amortized Unrealized Fair Amortized Unrealized Fair Gains Losses Gains Losses Securities Available for Sale U.S. Treasury and government agencies $ 16,868 $ 19 $ (413) $ 16,474 $ 7,596 $ 22 $ (667) $ 6,951 Residential mortgage-backed Agency 30,234 15 (3,153) 27,096 30,643 46 (2,809) 27,880 Non-agency 534 99 (9) 624 585 118 (7) 696 Commercial mortgage-backed Agency 1,758 (141) 1,617 1,680 1 (135) 1,546 Non-agency 824 1 (28) 797 913 1 (45) 869 Asset-backed 2,097 27 (4) 2,120 1,092 25 (1) 1,116 Other 2,581 41 (162) 2,460 2,844 44 (161) 2,727 Total securities available for sale $ 54,896 $ 202 $ (3,910) $ 51,188 $ 45,353 $ 257 $ (3,825) $ 41,785 Securities Held to Maturity U.S. Treasury and government agencies $ 35,468 $ (1,302) $ 34,166 $ 36,529 $ 9 $ (1,141) $ 35,397 Residential mortgage-backed Agency 41,865 $ 13 (3,805) 38,073 42,686 92 (2,733) 40,045 Non-agency 250 (23) 227 259 (17) 242 Commercial mortgage-backed Agency 956 2 (31) 927 939 9 (23) 925 Non-agency 1,189 2 (17) 1,174 1,373 2 (27) 1,348 Asset-backed 4,833 22 (30) 4,825 5,890 17 (39) 5,868 Other 2,896 23 (56) 2,863 3,108 50 (35) 3,123 Total securities held to maturity (d) $ 87,457 $ 62 $ (5,264) $ 82,255 $ 90,784 $ 179 $ (4,015) $ 86,948 (a) At June 30, 2024, the accrued interest associated with our held to maturity and available for sale portfolios totaled $268 million and $252 million, respectively. The comparable amounts at December 31, 2023 were $281 million and $144 million, respectively. These amounts are included in Other assets on the Consolidated Balance Sheet. (b) Credit ratings represent a primary credit quality indicator used to monitor and manage credit risk. Of our total securities portfolio, 97% were rated AAA/AA at both June 30, 2024 and December 31, 2023. (c) Amortized cost is presented net of allowance of $88 million for securities available for sale, primarily related to non-agency commercial mortgage-backed securities, and $5 million for securities held to maturity at June 30, 2024. The comparable amounts at December 31, 2023 were $86 million and $6 million, 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 $3.8 billion at June 30, 2024 related to securities transferred, which are offset in AOCI, net of tax. The comparable amount at December 31, 2023 was $4.2 billion.
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 June 30, 2024 U.S. Treasury and government agencies $ (30) $ 10,966 $ (383) $ 2,960 $ (413) $ 13,926 Residential mortgage-backed Agency (22) 2,576 (3,131) 21,752 (3,153) 24,328 Non-agency (6) 87 (6) 87 Commercial mortgage-backed Agency (2) 189 (139) 1,397 (141) 1,586 Non-agency (28) 654 (28) 654 Asset-backed (3) 694 (1) 93 (4) 787 Other (1) 105 (139) 1,932 (140) 2,037 Total securities available for sale $ (58) $ 14,530 $ (3,827) $ 28,875 $ (3,885) $ 43,405 December 31, 2023 U.S. Treasury and government agencies $ (666) $ 6,035 $ (666) $ 6,035 Residential mortgage-backed Agency $ (4) $ 1,015 (2,805) 24,306 (2,809) 25,321 Non-agency (1) 15 (4) 84 (5) 99 Commercial mortgage-backed Agency (135) 1,495 (135) 1,495 Non-agency (45) 731 (45) 731 Asset-backed (1) 9 (1) 9 Other (3) 78 (136) 2,106 (139) 2,184 Total securities available for sale $ (8) $ 1,108 $ (3,792) $ 34,766 $ (3,800) $ 35,874
Gains (losses) on Sales Of Securities Available for Sale	Table 37: Gains (Losses) on Sales of Securities Available for Sale Six months ended June 30 In millions Gross Gains Gross Losses Net Gains (Losses) Tax Expense (Benefit) 2024 $ 2 $ (501) $ (499) $ (105) 2023 $ (2) $ (2)
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 June 30, 2024: Table 38: Contractual Maturity of Debt Securities June 30, 2024 1 Year or Less After 1 Year After 5 Years After 10 Total Securities Available for Sale U.S. Treasury and government agencies $ 1,202 $ 2,470 $ 10,854 $ 2,342 $ 16,868 Residential mortgage-backed Agency 1 222 3,472 26,539 30,234 Non-agency 11 523 534 Commercial mortgage-backed Agency 6 664 751 337 1,758 Non-agency 1 105 73 645 824 Asset-backed 667 318 1,112 2,097 Other 280 1,866 291 144 2,581 Total securities available for sale at amortized cost $ 1,490 $ 5,994 $ 15,770 $ 31,642 $ 54,896 Fair value $ 1,480 $ 5,808 $ 15,422 $ 28,478 $ 51,188 Weighted-average yield, GAAP basis (a) 1.43 % 3.57 % 4.13 % 3.50 % 3.63 % Securities Held to Maturity U.S. Treasury and government agencies $ 10,363 $ 22,586 $ 1,635 $ 884 $ 35,468 Residential mortgage-backed Agency 9 309 41,547 41,865 Non-agency 250 250 Commercial mortgage-backed Agency 158 587 211 956 Non-agency 49 1,140 1,189 Asset-backed 20 1,329 2,228 1,256 4,833 Other 202 968 433 1,293 2,896 Total securities held to maturity at amortized cost $ 10,585 $ 25,099 $ 5,192 $ 46,581 $ 87,457 Fair value $ 10,461 $ 24,133 $ 4,989 $ 42,672 $ 82,255 Weighted-average yield, GAAP basis (a) 0.96 % 1.60 % 3.79 % 2.97 % 2.38 % (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 June 30, 2024 December 31, 2023 Pledged to others $ 70,186 $ 29,878 Accepted from others: Permitted by contract or custom to sell or repledge $ 681 $ 755 Permitted amount repledged to others $ 681 $ 755

Loans and Related Allowance f_2

Loans and Related Allowance for Credit Losses (Tables)	6 Months Ended
	Jun. 30, 2024
Receivables [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 presents the composition and delinquency status of our loan portfolio at June 30, 2024 and December 31, 2023. Loan delinquencies include government insured or guaranteed loans and loans accounted for under the fair value option. 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 June 30, 2024 Commercial Commercial and industrial $ 177,853 $ 95 $ 53 $ 86 $ 234 $ 702 $ 178,789 Commercial real estate 34,559 8 2 1 11 928 35,498 Equipment lease financing 6,514 19 6 25 16 6,555 Total commercial 218,926 122 61 87 270 1,646 220,842 Consumer Residential real estate 45,984 278 91 155 524 (c) 275 $ 400 47,183 Home equity 25,296 64 24 88 468 65 25,917 Automobile 14,607 92 22 6 120 93 14,820 Credit card 6,673 50 37 76 163 13 6,849 Education 1,654 27 15 36 78 (c) 1,732 Other consumer 4,049 12 9 8 29 8 4,086 Total consumer 98,263 523 198 281 1,002 857 465 100,587 Total $ 317,189 $ 645 $ 259 $ 368 $ 1,272 $ 2,503 $ 465 $ 321,429 Percentage of total loans 98.68 % 0.20 % 0.08 % 0.11 % 0.40 % 0.78 % 0.14 % 100.00 % December 31, 2023 Commercial Commercial and industrial $ 176,796 $ 104 $ 45 $ 76 $ 225 $ 559 $ 177,580 Commercial real estate 34,685 7 9 16 735 35,436 Equipment lease financing 6,480 41 8 49 13 6,542 Total commercial 217,961 152 53 85 290 1,307 219,558 Consumer Residential real estate 46,159 282 101 192 575 (c) 294 $ 516 47,544 Home equity 25,533 63 27 90 458 69 26,150 Automobile 14,638 91 20 7 118 104 14,860 Credit card 6,991 54 39 86 179 10 7,180 Education 1,850 27 19 49 95 (c) 1,945 Other consumer 4,227 16 11 10 37 7 4,271 Total consumer 99,398 533 217 344 1,094 873 585 101,950 Total $ 317,359 $ 685 $ 270 $ 429 $ 1,384 $ 2,180 $ 585 $ 321,508 Percentage of total loans 98.71 % 0.21 % 0.08 % 0.13 % 0.43 % 0.68 % 0.18 % 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 $1.5 billion at both June 30, 2024 and December 31, 2023. 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 $0.2 billion and $0.1 billion at June 30, 2024. Comparable amounts at December 31, 2023 were $0.3 billion and $0.1 billion, respectively. (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 policy criteria. Given that these loans are not accounted for at amortized cost, they 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 $0.9 billion and $1.0 billion at June 30, 2024 and December 31, 2023, respectively. (f) Collateral dependent loans totaled $1.6 billion and $1.4 billion at June 30, 2024 and December 31, 2023, respectively.
Nonperforming Assets	The following table presents our nonperforming assets as of June 30, 2024 and December 31, 2023: Table 41: Nonperforming Assets Dollars in millions June 30, 2024 December 31, 2023 Nonperforming loans Commercial $ 1,646 $ 1,307 Consumer (a) 857 873 Total nonperforming loans (b) 2,503 2,180 OREO and foreclosed assets 34 36 Total nonperforming assets $ 2,537 $ 2,216 Nonperforming loans to total loans 0.78 % 0.68 % Nonperforming assets to total loans, OREO and foreclosed assets 0.79 % 0.69 % Nonperforming assets to total assets 0.46 % 0.39 % (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)
Credit Quality Indicators By Loan Class	The following table presents credit quality indicators for our commercial loan classes: Table 42: Commercial Credit Quality Indicators (a) Term Loans by Origination Year June 30, 2024 In millions 2024 2023 2022 2021 2020 Prior Revolving Loans Revolving Loans Converted to Term Total Commercial and industrial Pass Rated $ 11,419 $ 18,080 $ 19,842 $ 6,104 $ 5,190 $ 14,021 $ 92,363 $ 695 $ 167,714 Criticized 298 1,094 2,448 803 189 803 5,361 79 11,075 Total commercial and industrial loans 11,717 19,174 22,290 6,907 5,379 14,824 97,724 774 178,789 Gross charge-offs (b) 11 (c) 14 21 18 3 4 42 48 161 Commercial real estate Pass Rated 1,113 5,125 8,166 2,759 1,761 10,946 420 30,290 Criticized 91 190 1,632 461 477 2,286 20 51 5,208 Total commercial real estate loans 1,204 5,315 9,798 3,220 2,238 13,232 440 51 35,498 Gross charge-offs (b) 5 2 1 161 169 Equipment lease financing Pass Rated 746 1,392 1,281 591 580 1,590 6,180 Criticized 24 107 85 72 42 45 375 Total equipment lease financing loans 770 1,499 1,366 663 622 1,635 6,555 Gross charge-offs (b) 5 6 2 2 1 16 Total commercial loans $ 13,691 $ 25,988 $ 33,454 $ 10,790 $ 8,239 $ 29,691 $ 98,164 $ 825 $ 220,842 Total commercial gross charge-offs $ 11 $ 24 $ 27 $ 22 $ 6 $ 166 $ 42 $ 48 $ 346 Term Loans by Origination Year December 31, 2023 In millions 2023 2022 2021 2020 2019 Prior Revolving Loans Revolving Loans Converted to Term Total Commercial and industrial Pass Rated $ 23,019 $ 26,657 $ 7,562 $ 5,783 $ 4,110 $ 11,982 $ 88,467 $ 573 $ 168,153 Criticized 838 1,781 739 331 281 698 4,708 51 9,427 Total commercial and industrial loans 23,857 28,438 8,301 6,114 4,391 12,680 93,175 624 177,580 Gross charge-offs (b) 25 (c) 32 33 8 3 26 105 12 244 Commercial real estate Pass Rated 4,182 8,571 2,986 2,190 4,887 7,411 383 30,610 Criticized 155 1,300 455 490 622 1,753 51 4,826 Total commercial real estate loans 4,337 9,871 3,441 2,680 5,509 9,164 434 35,436 Gross charge-offs (b) 12 31 137 180 Equipment lease financing Pass Rated 1,522 1,424 689 690 452 1,378 6,155 Criticized 90 81 81 51 35 49 387 Total equipment lease financing loans 1,612 1,505 770 741 487 1,427 6,542 Gross charge-offs (b) 4 4 4 4 1 1 18 Total commercial loans $ 29,806 $ 39,814 $ 12,512 $ 9,535 $ 10,387 $ 23,271 $ 93,609 $ 624 $ 219,558 Total commercial gross charge-offs $ 29 $ 36 $ 37 $ 24 $ 35 $ 164 $ 105 $ 12 $ 442 (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 June 30, 2024 and December 31, 2023. (b) Gross charge-offs are presented on a year-to-date basis, as of the period end date. (c) Includes charge-offs of deposit overdrafts. Residential Real Estate and Home Equity The following table presents credit quality indicators for our 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 June 30, 2024 In millions 2024 2023 2022 2021 2020 Prior Revolving Loans Revolving Loans Converted to Term Total Residential real estate Current estimated LTV ratios Greater than 100% $ 5 $ 39 $ 133 $ 68 $ 30 $ 33 $ 308 Greater than or equal to 80% to 100% 507 838 1,256 740 199 147 3,687 Less than 80% 976 4,054 8,374 14,236 6,315 8,554 42,509 No LTV available 41 11 3 55 Government insured or guaranteed loans 14 21 15 64 510 624 Total residential real estate loans $ 1,488 $ 4,986 $ 9,784 $ 15,070 $ 6,608 $ 9,247 $ 47,183 Updated FICO scores Greater than or equal to 780 $ 813 $ 3,411 $ 7,691 $ 12,061 $ 4,889 $ 5,190 $ 34,055 720 to 779 601 1,030 1,581 2,160 1,042 1,684 8,098 660 to 719 71 286 399 594 346 827 2,523 Less than 660 2 111 84 150 110 733 1,190 No FICO score available 1 134 8 90 157 303 693 Government insured or guaranteed loans 14 21 15 64 510 624 Total residential real estate loans $ 1,488 $ 4,986 $ 9,784 $ 15,070 $ 6,608 $ 9,247 $ 47,183 Gross charge-offs (a) $ 2 $ 2 Home equity (b) Current estimated LTV ratios Greater than 100% $ 2 $ 12 $ 17 $ 336 $ 356 $ 723 Greater than or equal to 80% to 100% 5 34 32 1,068 1,631 2,770 Less than 80% 149 1,773 3,106 6,733 10,663 22,424 Total home equity loans $ 156 $ 1,819 $ 3,155 $ 8,137 $ 12,650 $ 25,917 Updated FICO scores Greater than or equal to 780 $ 100 $ 1,209 $ 1,930 $ 4,597 $ 6,203 $ 14,039 720 to 779 36 383 643 2,179 3,243 6,484 660 to 719 15 166 320 1,155 1,967 3,623 Less than 660 5 59 255 199 1,188 1,706 No FICO score available 2 7 7 49 65 Total home equity loans $ 156 $ 1,819 $ 3,155 $ 8,137 $ 12,650 $ 25,917 Gross charge-offs (a) $ 1 $ 9 $ 9 $ 19 (Continued from previous page) Term Loans by Origination Year December 31, 2023 In millions 2023 2022 2021 2020 2019 Prior Revolving Loans Revolving Loans Converted to Term Total Residential real estate Current estimated LTV ratios Greater than 100% $ 15 $ 139 $ 79 $ 31 $ 10 $ 28 $ 302 Greater than or equal to 80% to 100% 1,665 1,928 955 221 69 92 4,930 Less than 80% 3,585 7,977 14,421 6,514 2,154 6,935 41,586 No LTV available 56 13 4 73 Government insured or guaranteed loans 14 20 16 66 37 500 653 Total residential real estate loans $ 5,335 $ 10,064 $ 15,484 $ 6,832 $ 2,270 $ 7,559 $ 47,544 Updated FICO scores Greater than or equal to 780 $ 3,206 $ 7,797 $ 12,197 $ 5,035 $ 1,492 $ 4,004 $ 33,731 720 to 779 1,482 1,659 2,389 1,107 432 1,388 8,457 660 to 719 400 508 657 334 171 721 2,791 Less than 660 93 71 133 122 82 680 1,181 No FICO score available 140 9 92 168 56 266 731 Government insured or guaranteed loans 14 20 16 66 37 500 653 Total residential real estate loans $ 5,335 $ 10,064 $ 15,484 $ 6,832 $ 2,270 $ 7,559 $ 47,544 Gross charge-offs (a) $ 2 $ 1 $ 1 $ 4 $ 8 Home equity (b) Current estimated LTV ratios Greater than 100% $ 1 $ 12 $ 6 $ 14 $ 306 $ 309 $ 648 Greater than or equal to 80% to 100% 4 40 17 22 1,116 1,743 2,942 Less than 80% 157 1,866 845 2,556 6,843 10,293 22,560 Total home equity loans $ 162 $ 1,918 $ 868 $ 2,592 $ 8,265 $ 12,345 $ 26,150 Updated FICO scores Greater than or equal to 780 $ 102 $ 1,254 $ 489 $ 1,605 $ 4,604 $ 6,083 $ 14,137 720 to 779 38 423 216 488 2,222 3,225 6,612 660 to 719 17 174 110 271 1,207 1,894 3,673 Less than 660 5 65 52 220 223 1,089 1,654 No FICO score available 2 1 8 9 54 74 Total home equity loans $ 162 $ 1,918 $ 868 $ 2,592 $ 8,265 $ 12,345 $ 26,150 Gross charge-offs (a) $ 4 $ 7 $ 10 $ 21 (a) Gross charge-offs are presented on a year-to-date basis, as of the period end date. (b) Beginning January 1, 2022, new originations consist of revolving Home Equity Lines of Credit. Automobile, Credit Card, Education and Other Consumer The following table presents credit quality indicators for our 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 June 30, 2024 In millions 2024 2023 2022 2021 2020 Prior Revolving Loans Revolving Loans Converted to Term Total Automobile Updated FICO scores Greater than or equal to 780 $ 1,663 $ 2,086 $ 1,387 $ 1,171 $ 377 $ 259 $ 6,943 720 to 779 1,000 1,496 842 578 202 184 4,302 660 to 719 469 860 473 307 129 144 2,382 Less than 660 67 352 252 209 119 194 1,193 Total automobile loans $ 3,199 $ 4,794 $ 2,954 $ 2,265 $ 827 $ 781 $ 14,820 Gross charge-offs (a) $ 23 $ 13 $ 9 $ 6 $ 13 $ 64 Credit card Updated FICO scores Greater than or equal to 780 $ 1,975 $ 1 $ 1,976 720 to 779 1,885 4 1,889 660 to 719 1,857 14 1,871 Less than 660 952 53 1,005 No FICO score available or required (b) 105 3 108 Total credit card loans $ 6,774 $ 75 $ 6,849 Gross charge-offs (a) $ 164 $ 18 $ 182 Education Updated FICO scores Greater than or equal to 780 $ 7 $ 65 $ 87 $ 42 $ 37 $ 347 $ 585 720 to 779 7 41 41 22 16 131 258 660 to 719 4 14 15 7 5 55 100 Less than 660 1 3 3 1 1 22 31 No FICO score available or required (b) 3 6 4 3 1 1 18 Total loans using FICO credit metric 22 129 150 75 60 556 992 Other internal credit metrics 740 740 Total education loans $ 22 $ 129 $ 150 $ 75 $ 60 $ 1,296 $ 1,732 Gross charge-offs (a) $ 1 $ 1 $ 7 $ 9 Other consumer Updated FICO scores Greater than or equal to 780 $ 123 $ 190 $ 90 $ 30 $ 11 $ 12 $ 37 $ 1 $ 494 720 to 779 156 205 109 36 14 13 75 1 609 660 to 719 101 114 104 37 16 14 82 1 469 Less than 660 2 30 45 22 11 10 41 1 162 Total loans using FICO credit metric 382 539 348 125 52 49 235 4 1,734 Other internal credit metrics 7 10 95 18 13 94 2,105 10 2,352 Total other consumer loans $ 389 $ 549 $ 443 $ 143 $ 65 $ 143 $ 2,340 $ 14 $ 4,086 Gross charge-offs (a) $ 34 (c) $ 12 $ 13 $ 8 $ 4 $ 6 $ 6 $ 83 (Continued from previous page) Term Loans by Origination Year December 31, 2023 In millions 2023 2022 2021 2020 2019 Prior Revolving Loans Revolving Loans Converted to Term Total Automobile Updated FICO Scores Greater than or equal to 780 $ 2,722 $ 1,650 $ 1,483 $ 535 $ 368 $ 88 $ 6,846 720 to 779 1,797 1,104 778 301 250 80 4,310 660 to 719 1,014 604 408 186 186 70 2,468 Less than 660 264 272 243 152 200 105 1,236 Total automobile loans $ 5,797 $ 3,630 $ 2,912 $ 1,174 $ 1,004 $ 343 $ 14,860 Gross charge-offs (a) $ 8 $ 24 $ 22 $ 17 $ 30 $ 20 $ 121 Credit card Updated FICO scores Greater than or equal to 780 $ 2,017 $ 1 $ 2,018 720 to 779 1,976 4 1,980 660 to 719 1,979 13 1,992 Less than 660 1,036 48 1,084 No FICO score available or required (b) 103 3 106 Total credit card loans $ 7,111 $ 69 $ 7,180 Gross charge-offs (a) $ 290 $ 29 $ 319 Education Updated FICO scores Greater than or equal to 780 $ 35 $ 88 $ 45 $ 40 $ 51 $ 331 $ 590 720 to 779 32 47 24 19 24 131 277 660 to 719 20 17 8 6 8 54 113 Less than 660 4 3 2 1 2 21 33 No FICO score available or required (b) 15 5 4 2 1 27 Total loans using FICO credit metric 106 160 83 68 85 538 1,040 Other internal credit metrics 905 905 Total education loans $ 106 $ 160 $ 83 $ 68 $ 85 $ 1,443 $ 1,945 Gross charge-offs (a) $ 1 $ 1 $ 2 $ 13 $ 17 Other consumer Updated FICO scores Greater than or equal to 780 $ 241 $ 127 $ 47 $ 21 $ 14 $ 11 $ 39 $ 1 $ 501 720 to 779 286 157 54 26 17 11 80 1 632 660 to 719 147 140 57 27 21 11 87 2 492 Less than 660 19 52 31 17 14 8 43 1 185 Total loans using FICO credit metric 693 476 189 91 66 41 249 5 1,810 Other internal credit metrics 19 97 33 48 71 34 2,149 10 2,461 Total other consumer loans $ 712 $ 573 $ 222 $ 139 $ 137 $ 75 $ 2,398 $ 15 $ 4,271 Gross charge-offs (a) $ 75 (c) $ 23 $ 18 $ 14 $ 14 $ 8 $ 11 $ 1 $ 164 (a) Gross charge-offs are presented on a year-to-date basis, as of the period end date. (b) Loans where FICO scores are not 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. (c)
Financing Receivable, Modified	The following table presents the amortized cost basis, as of the period end date, of FDMs granted during the three and six months ended June 30, 2024 and 2023: Table 45: Loan Modifications Granted to Borrowers Experiencing Financial Difficulty (a) (b) Three months ended June 30, 2024 Dollars in millions Interest Rate Reduction Term Extension Payment Delay Repayment Plan Payment Delay and Term Extension Interest Rate Reduction and Term Extension Other (c) Total % of Loan Class Commercial Commercial and industrial $ 18 $ 372 $ 94 $ 65 $ 102 $ 67 $ 718 0.40 % Commercial real estate 454 84 538 1.52 % Total commercial 18 826 94 149 102 67 1,256 0.57 % Consumer Residential real estate 30 1 5 36 0.08 % Home equity 5 $ 1 6 12 0.05 % Credit card 21 21 0.31 % Education 1 1 0.06 % Total consumer 1 35 22 1 11 70 0.07 % Total $ 18 $ 827 $ 129 $ 22 $ 149 $ 103 $ 78 $ 1,326 0.41 % Three months ended June 30, 2023 Dollars in millions Commercial Commercial and industrial $ 366 $ 59 $ 87 $ 512 0.29 % Commercial real estate 228 60 288 0.80 % Total commercial 594 59 147 800 0.36 % Consumer Residential real estate $ 1 35 $ 1 2 39 0.08 % Home equity 3 $ 2 5 10 0.04 % Credit card 18 18 0.25 % Education 1 1 0.05 % Other consumer 1 1 0.02 % Total consumer 1 1 38 21 1 7 69 0.07 % Total $ 1 $ 595 $ 97 $ 21 $ 1 $ 154 $ 869 0.27 % Six months ended June 30, 2024 Dollars in millions Principal Forgiveness Interest Rate Reduction Term Extension Payment Delay Repayment Plan Payment Delay and Term Extension Interest Rate Reduction and Term Extension Interest Rate Reduction and Payment Delay Other (c) Total % of Loan Class Commercial Commercial and industrial $ 18 $ 720 $ 83 $ 109 $ 112 $ 15 $ 97 $ 1,154 0.65 % Commercial real estate 779 25 148 952 2.68 % Total commercial 18 1,499 108 257 112 15 97 2,106 0.95 % Consumer Residential real estate 55 1 8 64 0.14 % Home equity 8 $ 2 10 20 0.08 % Credit card 39 39 0.57 % Education 3 3 0.17 % Other consumer 1 1 0.02 % Total consumer 3 63 42 1 18 127 0.13 % Total $ 18 $ 1,502 $ 171 $ 42 $ 257 $ 113 $ 15 $ 115 $ 2,233 0.69 % Six months ended June 30, 2023 Dollars in millions Commercial Commercial and industrial $ 1 $ 432 $ 72 $ 91 $ 596 0.34 % Commercial real estate 493 60 553 1.54 % Total commercial 1 925 72 151 1,149 0.52 % Consumer Residential real estate $ 1 72 $ 2 3 78 0.17 % Home equity 4 $ 5 6 15 0.06 % Credit card 30 30 0.42 % Education 2 2 0.10 % Other consumer 1 1 0.02 % Total consumer 1 2 76 36 2 9 126 0.12 % Total $ 1 $ 1 $ 927 $ 148 $ 36 $ 2 $ 160 $ 1,275 0.40 % (a) The unfunded lending related commitments on FDMs granted during the six months ended June 30, 2024 and 2023 were $0.3 billion and $0.1 billion, respectively. (b) Excludes the amortized cost basis of modified loans that were paid off, charged off or otherwise liquidated as of the period end date. (c) Represents all other modifications, and includes trial modifications and loans where we have received notification that a borrower has filed for Chapter 7 bankruptcy relief, but specific instructions as to the terms of the relief have not been formally ruled upon by the court. Table 46 presents the weighted average financial effect of FDMs granted during the three and six months ended June 30, 2024 and 2023. Table 46: Financial Effect of FDMs (a) Three months ended June 30, 2024 Dollars in millions Amortized cost basis (b) Financial Effect Term Extension Commercial and industrial $539 Extended contractual term by 15 months. Commercial real estate $538 Extended contractual term by 14 months. Residential real estate $1 Extended contractual term by 105 months. Education $1 Extended contractual term by 16 months. Interest Rate Reduction Commercial and industrial $120 Reduced contractual interest rate by 1.12%. Residential real estate $1 Reduced contractual interest rate by 1.30%. Payment Delay Commercial and industrial $159 Provided 5 months of payment deferral. Commercial real estate $84 Provided 23 months of payment deferral. Residential real estate $30 Provided 10 months of payment deferral. Home equity $5 Provided 5 months of payment deferral. Three months ended June 30, 2023 Dollars in millions Amortized cost basis (b) Financial Effect Term Extension Commercial and industrial $366 Extended contractual term by 9 months. Commercial real estate $228 Extended contractual term by 20 months. Residential real estate $1 Extended contractual term by 123 months. Education $1 Extended contractual term by 19 months. Interest Rate Reduction Residential real estate $2 Reduced contractual interest rate by 1.17%. Payment Delay Commercial and industrial $59 Provided 10 months of payment deferral. Residential real estate $35 Provided 8 months of payment deferral. Home equity $3 Provided 3 months of payment deferral. Six months ended June 30, 2024 Dollars in millions Amortized cost basis (b) Financial Effect Term Extension Commercial and industrial $941 Extended contractual term by 14 months. Commercial real estate $927 Extended contractual term by 14 months. Residential real estate $1 Extended contractual term by 98 months. Education $3 Extended contractual term by 12 months. Interest Rate Reduction Commercial and industrial $145 Reduced contractual interest rate by 1.64%. Residential real estate $1 Reduced contractual interest rate by 1.15%. Payment Delay Commercial and industrial $207 Provided 7 months of payment deferral. Commercial real estate $173 Provided 9 months of payment deferral. Residential real estate $55 Provided 9 months of payment deferral. Home equity $8 Provided 4 months of payment deferral. Six months ended June 30, 2023 Dollars in millions Amortized cost basis (b) Financial Effect Principal Forgiveness Commercial and industrial $1 (c) Forgave $2 million of principal balances. Term Extension Commercial and industrial $432 Extended contractual term by 10 months. Commercial real estate $493 Extended contractual term by 17 months. Residential real estate $2 Extended contractual term by 111 months. Education $2 Extended contractual term by 17 months. Interest Rate Reduction Residential real estate $3 Reduced contractual interest rate by 1.34%. Payment Delay Commercial and industrial $72 Provided 6 months of payment deferral. Residential real estate $72 Provided 8 months of payment deferral. Home equity $4 Provided 4 months of payment deferral. (a) Excludes the financial effects of modifications for loans that were paid off, charged off or otherwise liquidated as of the period end date. (b) The amortized cost basis presented in Table 46 includes combination modification categories in addition to the standalone modification categories presented in Table 45. Primarily due to this reason, the amortized cost basis presented in Table 46 may not agree to the amortized cost basis presented alongside the standalone modification categories in Table 45. Amortized cost basis is as of the period end date. (c) Amounts are recorded as charge-offs. Table 47: Payment Performance of FDMs Modified in the Last 12 Months (a) (b) Twelve months ended June 30, 2024 Dollars in millions Current or Less Than 30 Days Past Due 30-59 Days Past Due 60-89 Days Past Due 90 Days Nonperforming Total Commercial Commercial and industrial $ 1,318 $ 1 $ 8 $ 235 $ 1,562 Commercial real estate 978 433 1,411 Total commercial 2,296 1 8 668 2,973 Consumer Residential real estate 9 1 $ 1 86 97 Home equity 3 29 32 Credit card 45 4 4 7 1 61 Education 6 6 Other consumer 1 1 2 Total consumer 64 5 4 8 117 198 Total $ 2,360 $ 6 $ 12 $ 8 $ 785 $ 3,171 (a) Represents amortized cost basis. (b) Loans in our Payment Delay category are reported as past due in accordance with their contractual terms. Once contractually modified, these loans are reported as past due in accordance with their restructured terms. The following table presents the performance as of June 30, 2023 for FDMs granted since January 1, 2023: Table 48: Payment Performance of FDMs (a) (b) Six months ended June 30, 2023 Dollars in millions Current or Less Than 30 Days 30-59 Days 60-89 Days 90 Days Nonperforming Total Commercial Commercial and industrial $ 494 $ 4 $ 1 $ 97 $ 596 Commercial real estate 520 33 553 Total commercial 1,014 4 1 130 1,149 Consumer Residential real estate 1 77 78 Home equity 15 15 Credit card 20 $ 3 3 4 30 Education 2 2 Other consumer 1 1 Total consumer 23 3 3 4 93 126 Total $ 1,037 $ 3 $ 7 $ 5 $ 223 $ 1,275 (a) Represents amortized cost basis. (b) Loans in our Payment Delay category are reported as past due in accordance with their contractual terms. Once contractually modified, these loans are reported as past due in accordance with their restructured terms.
Financing Receivable, Modified, Subsequent Default	Table 49: Subsequently Defaulted FDMs (a) Three months ended June 30, 2024 Dollars in millions Term Extension Payment Delay Repayment Plan Payment Delay/Term Extension All Other Modifications (b) Total Commercial Commercial and industrial $ 14 $ 1 $ 15 Commercial real estate 32 $ 37 69 Total commercial 14 33 37 84 Consumer Residential real estate 6 $ 1 7 Home equity 1 3 4 Credit card $ 7 7 Total consumer 7 7 4 18 Total $ 14 $ 40 $ 7 $ 37 $ 4 $ 102 Six months ended June 30, 2024 Dollars in millions Term Extension Payment Delay Repayment Plan Payment Delay/Term Extension All Other Modifications (b) Total Commercial Commercial and industrial $ 26 $ 9 $ 35 Commercial real estate 1 33 $ 37 71 Total commercial 27 42 37 106 Consumer Residential real estate 19 $ 2 21 Home equity 1 $ 1 5 7 Credit card 16 16 Total consumer 20 17 7 44 Total $ 27 $ 62 $ 17 $ 37 $ 7 $ 150 (a) Represents amortized cost basis. (b) Includes the following modification categories: interest rate reduction, combinations of interest rate reduction/payment delay and interest rate reduction/term extension and other.
Rollforward of Allowance for Credit Losses	A rollforward of the ACL related to loans follows: Table 50: Rollforward of Allowance for Credit Losses Three months ended June 30 Six months ended June 30 2024 2023 2024 2023 In millions Commercial Consumer Total Commercial Consumer Total Commercial Consumer Total Commercial Consumer Total Allowance for loan and lease losses Beginning balance $ 3,217 $ 1,476 $ 4,693 $ 3,046 $ 1,695 $ 4,741 $ 3,259 $ 1,532 $ 4,791 $ 3,114 $ 1,627 $ 4,741 Adoption of ASU 2022-02 (a) (35) (35) Beginning balance, adjusted 3,217 1,476 4,693 3,046 1,695 4,741 3,259 1,532 4,791 3,114 1,592 4,706 Charge-offs (198) (177) (375) (135) (158) (293) (346) (359) (705) (255) (320) (575) Recoveries 52 61 113 36 63 99 75 125 200 61 125 186 Net (charge-offs) (146) (116) (262) (99) (95) (194) (271) (234) (505) (194) (195) (389) Provision for (recapture of) credit losses 172 32 204 195 (6) 189 257 94 351 220 198 418 Other 1 1 1 1 (2) 1 (1) 2 2 Ending balance $ 3,243 $ 1,393 $ 4,636 $ 3,142 $ 1,595 $ 4,737 $ 3,243 $ 1,393 $ 4,636 $ 3,142 $ 1,595 $ 4,737 Allowance for unfunded lending related commitments (b) Beginning balance $ 528 $ 144 $ 672 $ 560 $ 112 $ 672 $ 545 $ 118 $ 663 $ 613 $ 81 $ 694 Provision for (recapture of) credit losses 53 (8) 45 (5) (4) (9) 36 18 54 (58) 27 (31) Ending balance $ 581 $ 136 $ 717 $ 555 $ 108 $ 663 $ 581 $ 136 $ 717 $ 555 $ 108 $ 663 Allowance for credit losses at June 30 (c) $ 3,824 $ 1,529 $ 5,353 $ 3,697 $ 1,703 $ 5,400 $ 3,824 $ 1,529 $ 5,353 $ 3,697 $ 1,703 $ 5,400 (a) Represents the impact of adopting ASU 2022-02 Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures on January 1, 2023. As a result of adoption, we eliminated the accounting guidance for TDRs, including the use of a discounted cash flow approach to measure the allowance for TDRs. (b) See Note 8 Commitments for additional information about the underlying commitments related to this allowance. (c) Represents the ALLL plus allowance for unfunded lending related commitments and excludes allowances for investment securities and other financial assets, which together totaled $112 million and $171 million at June 30, 2024 and 2023, respectively.

Loan Sale and Servicing Activ_2

Loan Sale and Servicing Activities and Variable Interest Entities (Tables)	6 Months Ended
	Jun. 30, 2024
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 51: Loan Sale and Servicing Activities In millions Residential Mortgages Commercial Mortgages (a) Cash Flows - Three months ended June 30, 2024 Sales of loans and related securitization activity (b) $ 703 $ 344 Repurchases of previously transferred loans (c) $ 18 Servicing fees (d) $ 138 $ 52 Servicing advances recovered/(funded), net $ 17 $ (41) Cash flows on mortgage-backed securities held (e) $ 978 $ 27 Cash Flows - Three months ended June 30, 2023 Sales of loans and related securitization activity (b) $ 655 $ 1,202 Repurchases of previously transferred loans (c) $ 22 Servicing fees (d) $ 127 $ 49 Servicing advances recovered/(funded), net $ 11 $ (15) Cash flows on mortgage-backed securities held (e) $ 695 $ 18 Cash Flows - Six months ended June 30, 2024 Sales of loans and related securitization activity (b) $ 1,228 $ 667 Repurchases of previously transferred loans (c) $ 41 $ 9 Servicing fees (d) $ 277 $ 99 Servicing advances recovered/(funded), net $ 40 $ (17) Cash flows on mortgage-backed securities held (e) $ 1,820 $ 101 Cash Flows - Six months ended June 30, 2023 Sales of loans and related securitization activity (b) $ 1,171 $ 2,156 Repurchases of previously transferred loans (c) $ 51 $ 9 Servicing fees (d) $ 255 $ 95 Servicing advances recovered/(funded), net $ 39 $ (64) Cash flows on mortgage-backed securities held (e) $ 1,298 $ 30 (a) Represents both commercial mortgage loan transfer 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)
Principal Balance, Delinquent Loans and Net Charge-offs Related to Serviced Loans For Others	Table 52: Principal Balance, Delinquent Loans and Net Charge-offs Related to Serviced Loans For Others In millions Residential Mortgages Commercial Mortgages (a) June 30, 2024 Total principal balance $ 38,132 $ 55,099 Delinquent loans (b) $ 281 $ 107 December 31, 2023 Total principal balance $ 39,016 $ 57,492 Delinquent loans (b) $ 329 $ 89 Six months ended June 30, 2024 (c) Net charge-offs (d) $ 1 $ 61 Six months ended June 30, 2023 (c) Net charge-offs (d) $ 2 $ 4 (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 process of foreclosure. (c) There were no net charge-offs for Residential or Commercial mortgages for the three months ended June 30, 2024 and June 30, 2023. (d) 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	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 53 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 53. These loans are included as part of the credit quality disclosures that we make in Note 3 Loans and Related Allowance for Credit Losses. Table 53: Non-Consolidated VIEs In millions PNC Risk of Loss (a) Carrying Value of Assets Carrying Value of Liabilities June 30, 2024 Mortgage-backed securitizations (b) $ 20,081 $ 20,085 (c) Tax credit investments and other 5,037 4,926 (d) (e) $ 2,072 (f) (g) Total $ 25,118 $ 25,011 $ 2,072 December 31, 2023 Mortgage-backed securitizations (b) $ 21,451 $ 21,453 (c) Tax credit investments and other 4,709 4,631 (d) (e) $ 2,119 (f) (g) Total $ 26,160 $ 26,084 $ 2,119 (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) Amount includes $3.3 billion of LIHTCs and $0.2 billion of NMTCs at June 30, 2024, which are included in Equity investments on our Consolidated Balance Sheet. Comparable amounts at December 31, 2023 were $3.0 billion and $0.2 billion, respectively. (f) Included in Deposits and Other liabilities on our Consolidated Balance Sheet. (g)

Goodwill and Mortgage Servici_2

Goodwill and Mortgage Servicing Rights (Tables)	6 Months Ended
	Jun. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Mortgage Servicing Rights	Changes in the commercial and residential MSRs follow: Table 54: Mortgage Servicing Rights Commercial MSRs Residential MSRs In millions 2024 2023 2024 2023 January 1 $ 1,032 $ 1,113 $ 2,654 $ 2,310 Additions: From loans sold with servicing retained 11 32 12 10 Purchases 24 17 29 109 Changes in fair value due to: Time and payoffs (a) (157) (164) (126) (113) Other (b) 172 108 88 33 June 30 $ 1,082 $ 1,106 $ 2,657 $ 2,349 Related unpaid principal balance of loans serviced at June 30 $ 288,746 $ 280,023 $ 203,543 $ 191,274 Servicing advances at June 30 $ 578 $ 485 $ 132 $ 126 (a) Represents decrease in MSR value due to passage of time, including the impact from regularly scheduled loan principal payments, prepayments and loans that were paid off during the period. (b) Includes MSR value changes resulting from changes in interest rates and other market-driven conditions.
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 55: Commercial Mortgage Servicing Rights – Key Valuation Assumptions Dollars in millions June 30, 2024 December 31, 2023 Fair value $ 1,082 $ 1,032 Weighted-average life (years) 3.9 3.9 Weighted-average constant prepayment rate 5.30 % 5.51 % Decline in fair value from 10% adverse change $ 9 $ 9 Decline in fair value from 20% adverse change $ 16 $ 17 Effective discount rate 9.98 % 9.64 % Decline in fair value from 10% adverse change $ 32 $ 31 Decline in fair value from 20% adverse change $ 64 $ 61
Residential Mortgage Loan Servicing Assets - Key Valuation Assumptions	Table 56: Residential Mortgage Servicing Rights – Key Valuation Assumptions Dollars in millions June 30, 2024 December 31, 2023 Fair value $ 2,657 $ 2,654 Weighted-average life (years) 8.1 8.1 Weighted-average constant prepayment rate 6.25 % 6.42 % Decline in fair value from 10% adverse change $ 57 $ 60 Decline in fair value from 20% adverse change $ 110 $ 117 Weighted-average option adjusted spread 764 bps 765 bps Decline in fair value from 10% adverse change $ 82 $ 83 Decline in fair value from 20% adverse change $ 160 $ 161

Leases (Tables)

Leases (Tables)	6 Months Ended
	Jun. 30, 2024
Leases [Abstract]
Components of Lease Income	Table 57: Lessor Income Three months ended Six months ended In millions 2024 2023 2024 2023 Sales-type and direct financing leases (a) $ 88 $ 73 $ 172 $ 143 Operating leases (b) 5 15 11 31 Lease income $ 93 $ 88 $ 183 $ 174 (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 57: Lessor Income Three months ended Six months ended In millions 2024 2023 2024 2023 Sales-type and direct financing leases (a) $ 88 $ 73 $ 172 $ 143 Operating leases (b) 5 15 11 31 Lease income $ 93 $ 88 $ 183 $ 174 (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 57: Lessor Income Three months ended Six months ended In millions 2024 2023 2024 2023 Sales-type and direct financing leases (a) $ 88 $ 73 $ 172 $ 143 Operating leases (b) 5 15 11 31 Lease income $ 93 $ 88 $ 183 $ 174 (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)	6 Months Ended
	Jun. 30, 2024
Debt Disclosure [Abstract]
Schedule of the Total Borrowed Funds	The following table shows the carrying value of total borrowed funds at June 30, 2024 (including adjustments related to accounting hedges, purchase accounting and unamortized original issuance discounts) by remaining contractual maturity: Table 58: Borrowed Funds In millions Less than 1 year $ 28,984 1 to 2 years 13,638 2 to 3 years 4,566 3 to 4 years 4,065 4 to 5 years 6,015 Over 5 years 14,123 Total $ 71,391
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 June 30, 2024, and the carrying values as of June 30, 2024 and December 31, 2023. Table 59: FHLB Borrowings, Senior Debt and Subordinated Debt Stated Rate Maturity Carrying Value Dollars in millions June 30, 2024 June 30, 2024 June 30, 2024 December 31, 2023 Parent Company Senior debt 1.15% - 6.88% 2024-2035 $ 24,979 $ 22,221 Subordinated debt 4.63 % 2033 778 1,544 Junior subordinated debt 6.18 % 2028 206 206 Total Parent Company 25,963 23,971 Bank Federal Home Loan Bank borrowings (a) 5.53% - 5.93% 2024-2026 35,000 38,000 Senior debt 2.50% - 6.07% 2024-2043 4,622 4,615 Subordinated debt 2.70% - 5.90% 2025-2029 3,094 3,125 Total Bank 42,716 45,740 Total $ 68,679 $ 69,711 (a) FHLB borrowings are generally collateralized by residential mortgage loans, other mortgage-related loans and investment securities.

Commitments (Tables)

Commitments (Tables)	6 Months Ended
	Jun. 30, 2024
Commitments and Guarantees [Abstract]
Commitments to Extend Credit and Other Commitments	The following table presents our outstanding commitments to extend credit along with other commitments as of June 30, 2024 and December 31, 2023, respectively.Table 60: Commitments to Extend Credit and Other Commitments In millions June 30, 2024 December 31, 2023 Commitments to extend credit Commercial $ 202,054 $ 203,080 Home equity 24,102 23,970 Credit card 35,249 33,978 Other 7,457 7,363 Total commitments to extend credit 268,862 268,391 Net outstanding standby letters of credit (a) 10,680 10,913 Standby bond purchase agreements (b) 1,167 1,078 Other commitments (c) 5,077 4,386 Total commitments to extend credit and other commitments $ 285,786 $ 284,768 (a) Net outstanding standby letters of credit include $3.6 billion and $3.9 billion at June 30, 2024 and December 31, 2023, respectively, which support remarketing programs. (b) We enter into standby bond purchase agreements to support municipal bond obligations. (c)

Total Equity and Other Compre_2

Total Equity and Other Comprehensive Income (Tables)	6 Months Ended
	Jun. 30, 2024
Equity [Abstract]
Rollforward of Total Equity	Activity in total equity for the three and six months ended June 30, 2024 and 2023 is as follows: Table 61: Rollforward of Total Equity Shareholders’ Equity In millions Shares Common Capital Capital Retained Accumulated Treasury Non- Total Equity Three months ended Balance at March 31, 2023 (a) 399 $ 2,714 $ 7,235 $ 12,629 $ 54,598 $ (9,108) $ (19,024) $ 30 $ 49,074 Net income 1,483 17 1,500 Other comprehensive loss, net of tax (417) (417) Cash dividends declared - Common (606) (606) Cash dividends declared - Preferred (127) (127) Preferred stock discount accretion 2 (2) Common stock activity 1 16 17 Treasury stock activity (1) 3 (126) (123) Other 49 (21) 28 Balance at June 30, 2023 (a) 398 $ 2,715 $ 7,237 $ 12,697 $ 55,346 $ (9,525) $ (19,150) $ 26 $ 49,346 Balance at March 31, 2024 (a) 398 $ 2,716 $ 6,243 $ 12,789 $ 56,913 $ (8,042) $ (19,279) $ 34 $ 51,374 Net income 1,459 18 1,477 Other comprehensive income, net of tax 596 596 Cash dividends declared - Common (623) (623) Cash dividends declared - Preferred (95) (95) Preferred stock discount accretion 2 (2) Common stock activity 16 16 Treasury stock activity 6 (99) (93) Other 42 (13) 29 Balance at June 30, 2024 (a) 398 $ 2,716 $ 6,245 $ 12,853 $ 57,652 $ (7,446) $ (19,378) $ 39 $ 52,681 Six months ended Balance at December 31, 2022 (a) 401 $ 2,714 $ 5,746 $ 12,630 $ 53,572 $ (10,172) $ (18,716) $ 38 $ 45,812 Cumulative effect of ASU adoption (b) 26 26 Balance at January 1, 2023 (a) 401 $ 2,714 $ 5,746 $ 12,630 $ 53,598 $ (10,172) $ (18,716) $ 38 $ 45,838 Net income 3,160 34 3,194 Other comprehensive income, net of tax 647 647 Cash dividends declared - Common (1,213) (1,213) Cash dividends declared - Preferred (195) (195) Preferred stock discount accretion 4 (4) Preferred stock issuance (c) 1,487 1,487 Common stock activity 1 16 17 Treasury stock activity (3) 73 (434) (361) Other (22) (46) (68) Balance at June 30, 2023 (a) 398 $ 2,715 $ 7,237 $ 12,697 $ 55,346 $ (9,525) $ (19,150) $ 26 $ 49,346 Balance at December 31, 2023 (a) 398 $ 2,716 $ 6,241 $ 12,779 $ 56,290 $ (7,712) $ (19,209) $ 36 $ 51,141 Net income 2,789 32 2,821 Other comprehensive income, net of tax 266 266 Cash dividends declared - Common (1,247) (1,247) Cash dividends declared - Preferred (176) (176) Preferred stock discount accretion 4 (4) Common stock activity 16 16 Treasury stock activity 77 (169) (92) Other (19) (29) (48) Balance at June 30, 2024 (a) 398 $ 2,716 $ 6,245 $ 12,853 $ 57,652 $ (7,446) $ (19,378) $ 39 $ 52,681 (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) Represents the cumulative effect of adopting ASU 2022-02. (c) On February 7, 2023, PNC issued 1,500,000 depositary shares each representing 1/100th ownership in a share of 6.250% fixed-rate reset non-cumulative perpetual preferred stock, Series W, with a par value of $1 per share.
Other Comprehensive Income (Loss)	Details of other comprehensive income (loss) are as follows: Table 62: Other Comprehensive Income (Loss) Three months ended June 30 Six months ended June 30 2024 2023 2024 2023 In millions Pre-tax Tax effect After-tax 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 $ (216) $ 52 $ (164) $ (476) $ 112 $ (364) $ (611) $ 147 $ (464) $ 178 $ (42) $ 136 Less: Net realized (losses) reclassified to earnings (a) (691) 166 (525) (235) 55 (180) (907) 218 (689) (450) 106 (344) Net change 475 (114) 361 (241) 57 (184) 296 (71) 225 628 (148) 480 Cash flow hedge derivatives Net unrealized (losses) on cash flow hedge derivatives (75) 18 (57) (689) 162 (527) (701) 168 (533) (492) 116 (376) Less: Net realized (losses) reclassified to earnings (a) (383) 92 (291) (373) 88 (285) (759) 182 (577) (703) 166 (537) Net change 308 (74) 234 (316) 74 (242) 58 (14) 44 211 (50) 161 Pension and other postretirement benefit plan adjustments Net pension and other postretirement benefit plan activity and other reclassified to earnings (b) 1 1 6 (1) 5 (1) (1) (4) 1 (3) Net change 1 1 6 (1) 5 (1) (1) (4) 1 (3) Other Net unrealized gains (losses) on other transactions 3 1 4 (2) (2) 7 2 9 Net change 3 1 4 (2) (2) 7 2 9 Total other comprehensive income (loss) $ 784 $ (188) $ 596 $ (548) $ 131 $ (417) $ 351 $ (85) $ 266 $ 842 $ (195) $ 647 (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 service costs (credits), which are recorded in Noninterest expense on the Consolidated Income Statement.
Accumulated Other Comprehensive Income (Loss) Components	Table 63: 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 March 31, 2023 $ (6,500) $ (2,302) $ (259) $ (47) $ (9,108) Net activity (184) (242) 5 4 (417) Balance at June 30, 2023 (a) $ (6,684) $ (2,544) $ (254) $ (43) $ (9,525) Balance at March 31, 2024 $ (5,966) $ (1,903) $ (127) $ (46) $ (8,042) Net activity 361 234 1 596 Balance at June 30, 2024 (a) $ (5,605) $ (1,669) $ (126) $ (46) $ (7,446) Six months ended Balance at December 31, 2022 $ (7,164) $ (2,705) $ (251) $ (52) $ (10,172) Net activity 480 161 (3) 9 647 Balance at June 30, 2023 (a) $ (6,684) $ (2,544) $ (254) $ (43) $ (9,525) Balance at December 31, 2023 $ (5,830) $ (1,713) $ (125) $ (44) $ (7,712) Net activity 225 44 (1) (2) 266 Balance at June 30, 2024 (a) $ (5,605) $ (1,669) $ (126) $ (46) $ (7,446) (a)
Dividends Per Share	The following table provides the dividends per share for PNC’s common and preferred stock: Table 64: Dividends Per Share (a) Three months ended June 30 Six months ended June 30 2024 2023 2024 2023 Common Stock $ 1.55 $ 1.50 $ 3.10 $ 3.00 Preferred Stock Series B $ 0.45 $ 0.45 $ 0.90 $ 0.90 Series O $ 2,100 $ 4,174 Series R $ 2,209 $ 2,425 $ 4,403 $ 2,425 Series S $ 2,500 $ 2,500 $ 2,500 $ 2,500 Series T $ 850 $ 850 $ 1,700 $ 1,700 Series U $ 1,500 $ 1,500 $ 3,000 $ 3,000 Series V $ 1,550 $ 1,550 $ 3,100 $ 3,100 Series W $ 1,562 $ 2,222 $ 3,125 $ 2,222 (a) Dividends are payable quarterly, other than Series S preferred stock, which is payable semiannually.

Earnings per Share (Tables)

Earnings per Share (Tables)	6 Months Ended
	Jun. 30, 2024
Earnings Per Share [Abstract]
Basic and Diluted Earnings Per Common Share	Table 65: Basic and Diluted Earnings Per Common Share Three months ended June 30 Six months ended June 30 In millions, except per share data 2024 2023 2024 2023 Basic Net income $ 1,477 $ 1,500 $ 2,821 $ 3,194 Less: Net income attributable to noncontrolling interests 18 17 32 34 Preferred stock dividends 95 127 176 195 Preferred stock discount accretion and redemptions 2 2 4 4 Net income attributable to common shareholders 1,362 1,354 2,609 2,961 Less: Dividends and undistributed earnings allocated to nonvested restricted shares 7 7 14 15 Net income attributable to basic common shareholders $ 1,355 $ 1,347 $ 2,595 $ 2,946 Basic weighted-average common shares outstanding 400 401 400 401 Basic earnings per common share (a) $ 3.39 $ 3.36 $ 6.49 $ 7.35 Diluted Net income attributable to diluted common shareholders $ 1,355 $ 1,347 $ 2,595 $ 2,946 Basic weighted-average common shares outstanding 400 401 400 401 Dilutive potential common shares Diluted weighted-average common shares outstanding 400 401 400 401 Diluted earnings per common share (a) $ 3.39 $ 3.36 $ 6.48 $ 7.34 (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)	6 Months Ended
	Jun. 30, 2024
Fair Value Disclosures [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 66: Fair Value Measurements – Recurring Basis Summary June 30, 2024 December 31, 2023 In millions Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Assets Residential mortgage loans held for sale $ 547 $ 95 $ 642 $ 371 $ 103 $ 474 Commercial mortgage loans held for sale 291 4 295 227 11 238 Securities available for sale U.S. Treasury and government agencies $ 15,513 961 16,474 $ 6,292 659 6,951 Residential mortgage-backed Agency 27,096 27,096 27,880 27,880 Non-agency 624 624 696 696 Commercial mortgage-backed Agency 1,617 1,617 1,546 1,546 Non-agency 694 103 797 766 103 869 Asset-backed 2,024 96 2,120 1,014 102 1,116 Other 2,406 54 2,460 2,672 55 2,727 Total securities available for sale 15,513 34,798 877 51,188 6,292 34,537 956 41,785 Loans 490 701 1,191 512 726 1,238 Equity investments (a) 972 (b) 2,030 3,203 574 1,952 2,717 Residential mortgage servicing rights 2,657 2,657 2,654 2,654 Commercial mortgage servicing rights 1,082 1,082 1,032 1,032 Trading securities (c) 515 1,835 2,350 377 2,422 2,799 Financial derivatives (c) (d) 5 3,103 12 3,120 29 3,394 6 3,429 Other assets 431 129 8 568 403 85 8 496 Total assets (e) $ 17,436 $ 41,193 $ 7,466 $ 66,296 $ 7,675 $ 41,548 $ 7,448 $ 56,862 Liabilities Other borrowed funds $ 661 $ 121 $ 9 $ 791 $ 724 $ 84 $ 9 $ 817 Financial derivatives (d) (f) 6 6,027 183 6,216 11 5,736 152 5,899 Other liabilities 194 194 237 237 Total liabilities (g) $ 667 $ 6,148 $ 386 $ 7,201 $ 735 $ 5,820 $ 398 $ 6,953 (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 Visa C shares with an unrealized gain of $244 million at June 30, 2024. (c) Included in Other assets on the Consolidated Balance Sheet. (d) Amounts at June 30, 2024 and December 31, 2023 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 12 Financial Derivatives for additional information related to derivative offsetting. (e) Total assets at fair value as a percentage of total consolidated assets was 12% and 10% at June 30, 2024 and December 31, 2023, respectively. Level 3 assets as a percentage of total assets at fair value was 11% and 13% at June 30, 2024 and December 31, 2023, respectively. Level 3 assets as a percentage of total consolidated assets was 1% at both June 30, 2024 and December 31, 2023. (f) Included in Other liabilities on the Consolidated Balance Sheet. (g)
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 six months ended June 30, 2024 and 2023 are as follows: Table 67: Reconciliation of Level 3 Assets and Liabilities Three Months Ended June 30, 2024 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Value Mar. 31, 2024 Included in Included Purchases Sales Issuances Settlements Transfers Transfers Fair Assets Residential mortgage $ 98 $ 12 $ (11) $ (2) $ 1 $ (3) (d) $ 95 $ (1) Commercial mortgage 11 (7) 4 Securities available for sale Residential mortgage- 668 $ 3 $ (5) (42) 624 Commercial mortgage- backed non-agency 103 103 Asset-backed 100 (1) (3) 96 Other 53 3 (2) 54 Total securities 924 3 (6) 3 (47) 877 Loans 713 4 7 (2) (18) (3) (d) 701 4 Equity investments 2,030 31 47 (78) 2,030 23 Residential mortgage 2,687 16 16 $ 7 (69) 2,657 16 Commercial mortgage 1,075 65 12 8 (78) 1,082 65 Financial derivatives 9 9 2 (8) 12 11 Other assets 8 8 Total assets $ 7,555 $ 128 $ (6) $ 99 $ (91) $ 15 $ (229) $ 1 $ (6) $ 7,466 $ 118 Liabilities Other borrowed funds $ 9 $ 4 $ (4) $ 9 Financial derivatives 113 $ 110 $ 2 (42) 183 $ 115 Other liabilities 189 6 15 (16) 194 7 Total liabilities $ 311 $ 116 $ 2 $ 19 $ (62) $ 386 $ 122 Net gains (losses) $ 12 (e) $ (4) (f) (Continued from previous page) Three Months Ended June 30, 2023 Total realized / unrealized Unrealized gains/losses for the period on assets and liabilities held on Consolidated Balance Sheet at June 30, 2023 (a) (c) Level 3 Instruments Only Fair Value Mar. 31, 2023 Included in Earnings Included in Other comprehensive income (b) Purchases Sales Issuances Settlements Transfers into Level 3 Transfers out of Level 3 Fair Value June 30, 2023 Assets Residential mortgage $ 242 $ (4) $ 3 $ (41) $ (2) $ (7) (d) $ 191 $ (3) Commercial mortgage 32 1 (8) 25 Securities available for sale Residential mortgage- 787 4 $ 14 (37) 768 Commercial mortgage-backed non-agency 3 3 Asset-backed 121 1 (1) (4) 117 Other 53 3 (2) 54 Total securities 964 5 13 3 (43) 942 Loans 757 3 11 (1) (28) $ 8 (5) (d) 745 3 Equity investments 1,835 24 92 (328) 1,623 2 Residential mortgage 2,232 81 91 $ 5 (60) 2,349 80 Commercial mortgage 1,061 99 9 19 (82) 1,106 100 Financial derivatives 19 (10) 2 (5) 6 4 Total assets $ 7,142 $ 199 $ 13 $ 211 $ (370) $ 24 $ (228) $ 8 $ (12) $ 6,987 $ 186 Liabilities Other borrowed funds $ 5 $ 3 $ (3) $ 5 Financial derivatives 97 $ 79 $ 1 (37) 140 $ 80 Other liabilities 229 31 89 (110) 239 21 Total liabilities $ 331 $ 110 $ 1 $ 92 $ (150) $ 384 $ 101 Net gains (losses) $ 89 (e) $ 85 (f) (Continued from previous page) Six Months Ended June 30, 2024 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Included in Included Purchases Sales Issuances Settlements Transfers Transfers Fair Assets Residential mortgage $ 103 $ (1) $ 14 $ (11) $ (4) $ 3 $ (9) (d) $ 95 $ (2) Commercial mortgage 11 (7) 4 Securities available for sale Residential mortgage- 696 6 $ (11) (67) 624 Commercial mortgage- 103 103 Asset-backed 102 (1) (5) 96 Other 55 (2) 1 3 (3) 54 (2) Total securities 956 4 (11) 3 (75) 877 (2) Loans 726 8 12 (2) (38) (5) (d) 701 8 Equity investments 1,952 26 136 (84) 2,030 18 Residential mortgage 2,654 88 29 $ 12 (126) 2,657 88 Commercial mortgage 1,032 172 24 11 (157) 1,082 172 Financial derivatives 6 18 2 (14) 12 21 Other assets 8 8 Total assets $ 7,448 $ 315 $ (11) $ 220 $ (97) $ 23 $ (421) $ 3 $ (14) $ 7,466 $ 303 Liabilities Other borrowed funds $ 9 $ 7 $ (7) $ 9 Financial derivatives 152 $ 118 $ 2 (89) 183 $ 120 Other liabilities 237 (14) 28 (57) 194 9 Total liabilities $ 398 $ 104 $ 2 $ 35 $ (153) $ 386 $ 129 Net gains (losses) $ 211 (e) $ 174 (f) (Continued from previous page) Six Months Ended June 30, 2023 Total realized / unrealized Unrealized Level 3 Instruments Only Fair Included in Included Purchases Sales Issuances Settlements Transfers Transfers Fair Value June 30, 2023 Assets Residential mortgage $ 243 $ 9 $ (42) $ (7) $ 3 $ (15) (d) $ 191 $ 1 Commercial mortgage 33 (8) 25 Securities available for sale Residential mortgage- 819 $ 8 $ 4 (63) 768 Commercial mortgage- 3 3 Asset-backed 124 1 (8) 117 Other 55 (4) 3 (3) 3 54 Total securities 1,001 9 3 (74) 3 942 Loans 769 6 20 (1) (50) 15 (14) (d) 745 6 Equity investments 1,778 145 232 (398) (134) (g) 1,623 119 Residential mortgage 2,310 33 109 $ 10 (113) 2,349 33 Commercial mortgage 1,113 108 17 32 (164) 1,106 108 Financial derivatives 5 7 3 (9) 6 10 Total assets $ 7,252 $ 308 $ 393 $ (441) $ 42 $ (425) $ 21 $ (163) $ 6,987 $ 277 Liabilities Other borrowed funds $ 4 $ 6 $ (5) $ 5 Financial derivatives 123 $ 118 $ 3 (104) 140 $ 122 Other liabilities 294 55 107 (217) 239 42 Total liabilities $ 421 $ 173 $ 3 $ 113 $ (326) $ 384 $ 164 Net gains (losses) $ 135 (e) $ 113 (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. (g) Transfers out of Level 3 during the prior period were due to valuation methodology changes for certain private company investments. See Note 1 Accounting Policies in our 2023 Form 10-K for more information on our accounting for private company investments.
Fair Value Measurements - Recurring Quantitative Information	Quantitative information about the significant unobservable inputs within Level 3 recurring assets and liabilities follows: Table 68: Fair Value Measurements – Recurring Quantitative Information June 30, 2024 Level 3 Instruments Only Fair Value Valuation Techniques Unobservable Inputs Range (Weighted-Average) (a) Commercial mortgage loans held for sale $ 4 Discounted cash flow Spread over the benchmark curve (b) 575bps - 1,090bps (985bps) Residential mortgage-backed 624 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 27.9% (2.9%) Constant default rate 0.0% - 12.0% (1.9%) Loss severity 10.0% - 77.4% (42.2%) Spread over the benchmark curve (b) 272bps weighted-average Asset-backed securities 96 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 28.0% (4.5%) Constant default rate 0.0% - 8.1% (1.6%) Loss severity 30.0% - 100.0% (48.7%) Spread over the benchmark curve (b) 227bps weighted-average Loans - Residential real estate - Uninsured 532 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (57.4%) Loss severity 0.0% - 100.0% (5.1%) Discount rate 5.5% - 7.5% (5.8%) Loans - Residential real estate 71 Discounted cash flow Loss severity 6.0% weighted-average Discount rate 8.0% weighted-average Loans - Home equity - First-lien 16 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (58.6%) Loss severity 0.0% - 100.0% (12.9%) Discount rate 5.5% - 7.5% (6.1%) Loans - Home equity 82 Consensus pricing (c) Credit and liquidity discount 0.0% - 100.0% (42.1%) Equity investments 2,030 Multiple of adjusted earnings Multiple of earnings 5.0x - 27.0x (10.3x) Residential mortgage servicing rights 2,657 Discounted cash flow Constant prepayment rate 0.0% - 40.7% (6.3%) Spread over the benchmark curve (b) 336bps - 2,338bps (764bps) Commercial mortgage servicing rights 1,082 Discounted cash flow Constant prepayment rate 5.1% - 8.3% (5.3%) Discount rate 8.1% - 10.3% (10.0%) Financial derivatives - Swaps related to (180) Discounted cash flow Estimated conversion factor of Visa Class B shares into Class A shares 1.59 weighted-average Estimated annual growth rate of Visa Class A share price 16.0% Estimated litigation resolution date Q1 2026 Insignificant Level 3 assets, net of 66 Total Level 3 assets, net of liabilities (e) $ 7,080 (Continued from previous page) December 31, 2023 Level 3 Instruments Only Fair Value Valuation Techniques Unobservable Inputs Range (Weighted-Average) (a) Commercial mortgage loans held for sale $ 11 Discounted cash flow Spread over the benchmark curve (b) 575bps - 3,610bps (1,647bps) Residential mortgage-backed 696 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 27.9% (3.7%) Constant default rate 0.0% - 12.0% (2.7%) Loss severity 10.0% - 69.0% (41.2%) Spread over the benchmark curve (b) 285bps weighted-average Asset-backed securities 102 Priced by a third-party vendor using a discounted cash flow pricing model Constant prepayment rate 1.0% - 28.0% (5.1%) Constant default rate 0.0% - 4.3% (1.7%) Loss severity 20.0% - 100.0% (49.5%) Spread over the benchmark curve (b) 248bps weighted-average Loans - Residential real estate - Uninsured 546 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (59.1%) Loss severity 0.0% - 100.0% (5.4%) Discount rate 5.5% - 7.5% (5.8%) Loans - Residential real estate 75 Discounted cash flow Loss severity 6.0% weighted-average Discount rate 7.8% weighted-average Loans - Home equity - First-lien 18 Consensus pricing (c) Cumulative default rate 3.6% - 100.0% (60.9%) Loss severity 0.0% - 100.0% (14.4%) Discount rate 5.5% - 7.5% (6.2%) Loans - Home equity 87 Consensus pricing (c) Credit and liquidity discount 0.3% - 100.0% (43.8%) Equity investments 1,952 Multiple of adjusted earnings Multiple of earnings 4.5x - 26.7x (10.1x) Residential mortgage servicing rights 2,654 Discounted cash flow Constant prepayment rate 0.0% - 33.6% (6.4%) Spread over the benchmark curve (b) 337bps - 1,668bps (765bps) Commercial mortgage servicing rights 1,032 Discounted cash flow Constant prepayment rate 5.3% - 9.7% (5.5%) Discount rate 7.6% - 10.0% (9.6%) Financial derivatives - Swaps related to (145) Discounted cash flow Estimated conversion factor of Visa Class B shares into Class A shares 1.59 weighted-average Estimated annual growth rate of Visa Class A share price 16.0% Estimated litigation resolution date Q3 2024 Insignificant Level 3 assets, net of 22 Total Level 3 assets, net of liabilities (e) $ 7,050 (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)
Fair Value Measurements - Nonrecurring	Assets measured at fair value on a nonrecurring basis follow: Table 69: Fair Value Measurements – Nonrecurring (a) (b) (c) Fair Value Gains (Losses) Gains (Losses) In millions June 30 December 31 June 30 June 30 June 30 June 30 Assets Nonaccrual loans $ 769 $ 578 $ (192) $ (99) $ (245) $ (174) Equity investments 170 203 8 (5) (1) (8) Loans held for sale 25 OREO and foreclosed assets 6 12 (1) (2) (1) Long-lived assets 10 9 (3) (10) (6) (15) Total assets $ 980 $ 802 $ (188) $ (114) $ (254) $ (198) (a) All Level 3 for the periods presented, except for $25 million included in Loans held for sale which was categorized as Level 2 as of June 30, 2024 and $30 million included in Equity investments which was categorized as Level 1 as of December 31, 2023. (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 items for which we elected the fair value option are as follows: Table 70: Fair Value Option – Fair Value and Principal Balances June 30, 2024 December 31, 2023 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 $ 604 $ 601 $ 3 $ 432 $ 429 $ 3 Accruing loans 90 days or more past due 8 8 6 6 Nonaccrual loans 30 36 (6) 36 43 (7) Total $ 642 $ 645 $ (3) $ 474 $ 478 $ (4) Commercial mortgage loans held for sale (a) (b) Accruing loans less than 90 days past due $ 295 $ 289 $ 6 $ 238 $ 228 $ 10 Loans Accruing loans less than 90 days past due $ 607 $ 646 $ (39) $ 507 $ 520 $ (13) Accruing loans 90 days or more past due 119 130 (11) 146 156 (10) Nonaccrual loans 465 631 (166) 585 793 (208) Total $ 1,191 $ 1,407 $ (216) $ 1,238 $ 1,469 $ (231) Other assets $ 129 $ 132 $ (3) $ 85 $ 69 $ 16 Liabilities Other borrowed funds $ 32 $ 33 $ (1) $ 39 $ 40 $ (1) Other liabilities $ 104 $ 104 $ 124 $ 124 (a) There were no accruing loans 90 days or more past due within this category at June 30, 2024 or December 31, 2023. (b) There were no nonaccrual loans within this category at June 30, 2024 or December 31, 2023.
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 71: Fair Value Option – Changes in Fair Value (a) Gains (Losses) Gains (Losses) Three months ended Six months ended June 30 June 30 June 30 June 30 In millions 2024 2023 2024 2023 Assets Residential mortgage loans held for sale $ 6 $ 2 $ 14 $ 17 Commercial mortgage loans held for sale $ 14 $ 22 $ 9 $ 23 Loans $ 6 $ 5 $ 12 $ 9 Other assets $ (2) $ 2 $ 3 $ (12) Liabilities Other liabilities $ (7) $ (21) $ (9) $ (41) (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 June 30, 2024 and December 31, 2023. For more information regarding the methods and assumptions used to estimate the fair values of financial instruments included in Table 72, see Note 14 Fair Value in our 2023 Form 10-K. Table 72: Additional Fair Value Information Related to Other Financial Instruments Carrying Fair Value In millions Amount Total Level 1 Level 2 Level 3 June 30, 2024 Assets Cash and due from banks $ 6,242 $ 6,242 $ 6,242 Interest-earning deposits with banks (a) 33,039 33,039 32,630 $ 409 Securities held to maturity 87,462 82,255 29,716 52,387 $ 152 Net loans (excludes leases) 309,047 302,613 302,613 Other assets 5,734 5,709 5,700 9 Total assets $ 441,524 $ 429,858 $ 68,588 $ 58,496 $ 302,774 Liabilities Time deposits $ 35,905 $ 35,910 $ 35,910 Borrowed funds 70,511 71,325 70,240 $ 1,085 Unfunded lending related commitments 717 717 717 Other liabilities 1,229 1,229 1,229 Total liabilities $ 108,362 $ 109,181 $ 107,379 $ 1,802 December 31, 2023 Assets Cash and due from banks $ 6,921 $ 6,921 $ 6,921 Interest-earning deposits with banks (a) 43,804 43,804 43,313 $ 491 Securities held to maturity 90,790 86,948 30,943 55,850 $ 155 Net loans (excludes leases) 308,936 299,645 299,645 Other assets 5,872 5,872 5,872 Total assets $ 456,323 $ 443,190 $ 81,177 $ 62,213 $ 299,800 Liabilities Time deposits $ 31,569 $ 31,602 $ 31,602 Borrowed funds 71,816 72,369 71,194 $ 1,175 Unfunded lending related commitments 663 663 663 Other liabilities 1,091 1,091 1,091 Total liabilities $ 105,139 $ 105,725 $ 103,887 $ 1,838 (a) In the second quarter of 2024, we reclassified balances held at the Federal Reserve Bank from Level 2 to Level 1 to align with our updated cash and cash equivalents policy. For additional details, see Note 1 Accounting Policies.

Financial Derivatives (Tables)

Financial Derivatives (Tables)	6 Months Ended
	Jun. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Total Gross Derivatives	The following tables presents the notional and gross fair value amounts of all derivative assets and liabilities held by us: Table 73: Total Gross Derivatives (a) June 30, 2024 December 31, 2023 In millions Notional / Asset Fair Liability Fair Notional / Asset Fair Liability Fair Derivatives used for hedging Interest rate contracts: Fair value hedges (d) $ 45,627 $ 32,079 Cash flow hedges (d) 52,797 $ 2 33,302 Cash flow hedges - other (e) 25,000 209 $ 217 25,000 $ 327 $ 137 Foreign exchange contracts: Net investment hedges 1,235 7 1,174 2 Total derivatives designated for hedging $ 124,659 $ 218 $ 217 $ 91,555 $ 327 $ 139 Derivatives not used for hedging Derivatives used for mortgage banking activities (f): Interest rate contracts: Swaps $ 46,247 $ 43,450 Futures (g) 8,920 10,370 Mortgage-backed commitments 4,573 $ 58 $ 51 3,093 $ 66 $ 67 Other 15,695 18 11 15,544 46 22 Total interest rate contracts 75,435 76 62 72,457 112 89 Derivatives used for customer-related activities: Interest rate contracts: Swaps 395,502 1,733 4,815 401,607 1,723 4,228 Futures (g) 110 73 Mortgage-backed commitments 4,595 5 9 2,592 9 25 Other 27,749 185 138 28,489 186 169 Total interest rate contracts 427,956 1,923 4,962 432,761 1,918 4,422 Commodity contracts: Swaps 6,498 380 356 6,714 577 569 Other 9,130 230 230 4,797 188 188 Total commodity contracts 15,628 610 586 11,511 765 757 Foreign exchange contracts and other 31,280 248 196 32,885 295 239 Total derivatives for customer-related activities 474,864 2,781 5,744 477,157 2,978 5,418 Derivatives used for other risk management activities: Foreign exchange contracts and other 12,372 45 193 14,882 12 253 Total derivatives not designated for hedging $ 562,671 $ 2,902 $ 5,999 $ 564,496 $ 3,102 $ 5,760 Total gross derivatives $ 687,330 $ 3,120 $ 6,216 $ 656,051 $ 3,429 $ 5,899 Less: Impact of legally enforceable master netting agreements 1,321 1,321 1,406 1,406 Less: Cash collateral received/paid 1,139 1,189 1,126 955 Total derivatives $ 660 $ 3,706 $ 897 $ 3,538 (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) Represents caps and floors. (f) Includes both residential and commercial mortgage banking activities. (g)
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 74: 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 June 30, 2024 Total amounts in the Consolidated Income Statement $ 4,842 $ 1,001 $ 1,182 $ 332 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ 182 $ 22 Derivatives $ (185) $ (19) Amounts related to interest settlements on derivatives $ 29 $ (190) Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (347) $ (8) $ (28) Other amounts related to interest settlements on derivatives $ 20 For the three months ended June 30, 2023 Total amounts in the Consolidated Income Statement $ 4,523 $ 883 $ 903 $ 129 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ (48) $ 432 Derivatives $ 50 $ (439) Amounts related to interest settlements on derivatives $ 7 $ (147) Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (365) $ (8) Other amounts related to interest settlements on derivatives $ 27 For the six months ended June 30, 2024 Total amounts on the Consolidated Income Statement $ 9,661 $ 1,884 $ 2,341 $ 467 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ 108 $ 435 Derivatives $ (111) $ (447) Amounts related to interest settlements on derivatives $ 39 $ (365) Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (716) $ (15) $ (28) Other amounts related to interest settlements on derivatives $ 42 For the six months ended June 30, 2023 Total amounts on the Consolidated Income Statement $ 8,781 $ 1,768 $ 1,686 $ 387 Gains (losses) on fair value hedges recognized on: Hedged items (c) $ (1) $ 135 Derivatives $ 5 $ (148) Amounts related to interest settlements on derivatives $ 12 $ (260) Gains (losses) on cash flow hedges (d): Amount of derivative gains (losses) reclassified from accumulated $ (690) $ (13) Other amounts related to interest settlements on derivatives $ 55 (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. (d)
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 75: Hedged Items - Fair Value Hedges June 30, 2024 December 31, 2023 In millions Carrying Value of the Hedged Items Cumulative Fair Carrying Value of the Hedged Items Cumulative Fair Value Investment securities - available for sale (b) $ 12,000 $ (12) $ 2,076 $ (122) Borrowed funds $ 32,543 $ (1,172) $ 30,503 $ (737) (a) Includes less than $(0.1) billion of fair value hedge adjustments primarily related to discontinued borrowed funds hedge relationships at both June 30, 2024 and December 31, 2023. (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 76: Gains (Losses) on Derivatives Not Designated for Hedging Three months ended June 30 Six months ended June 30 In millions 2024 2023 2024 2023 Derivatives used for mortgage banking activities: Interest rate contracts (a) $ (45) $ (184) $ (168) $ (77) Derivatives used for customer-related activities: Interest rate contracts (21) 33 (37) 35 Foreign exchange contracts and other 46 58 75 114 Gains from customer-related activities (b) 25 91 38 149 Derivatives used for other risk management activities: Foreign exchange contracts and other (b) (93) (137) 32 (214) Total gains (losses) from derivatives not designated as hedging instruments $ (113) $ (230) $ (98) $ (142) (a) Included in Residential and commercial mortgage noninterest income on our Consolidated Income Statement. (b) Included in Capital markets and advisory and Other noninterest income on our Consolidated Income Statement.
Derivative Assets And Liabilities Offsetting	Table 77: 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 June 30, 2024 Derivative assets Interest rate contracts: Over-the-counter cleared $ 11 $ 11 $ 11 Over-the-counter 2,199 $ 914 $ 870 415 $ 31 384 Commodity contracts 610 324 156 130 2 128 Foreign exchange and other contracts 300 83 113 104 104 Total derivative assets $ 3,120 $ 1,321 $ 1,139 $ 660 (a) $ 33 $ 627 Derivative liabilities Interest rate contracts: Over-the-counter cleared $ 15 $ 15 $ 15 Over-the-counter 5,226 $ 802 $ 1,188 3,236 $ 64 3,172 Commodity contracts 586 418 168 168 Foreign exchange and other contracts 389 101 1 287 287 Total derivative liabilities $ 6,216 $ 1,321 $ 1,189 $ 3,706 (b) $ 64 $ 3,642 December 31, 2023 Derivative assets Interest rate contracts: Over-the-counter cleared $ 19 $ 19 $ 19 Over-the-counter 2,338 $ 976 $ 767 595 $ 61 534 Commodity contracts 765 316 283 166 5 161 Foreign exchange and other contracts 307 114 76 117 117 Total derivative assets $ 3,429 $ 1,406 $ 1,126 $ 897 (a) $ 66 $ 831 Derivative liabilities Interest rate contracts: Over-the-counter cleared $ 36 $ 36 $ 36 Over-the-counter 4,612 $ 885 $ 942 2,785 $ 58 2,727 Commodity contracts 757 332 425 425 Foreign exchange and other contracts 494 189 13 292 292 Total derivative liabilities $ 5,899 $ 1,406 $ 955 $ 3,538 (b) $ 58 $ 3,480 (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 78: Credit-Risk Contingent Features In billions June 30, 2024 December 31, 2023 Net derivative liabilities with credit-risk contingent features $ 4.8 $ 4.2 Less: Collateral posted 1.3 1.0 Maximum additional amount of collateral exposure $ 3.5 $ 3.2

Segment Reporting (Tables)

Segment Reporting (Tables)	6 Months Ended
	Jun. 30, 2024
Segment Reporting [Abstract]
Results of Businesses	Table 79: Results of Businesses Three months ended June 30 Retail Banking Corporate & Asset Other Consolidated (a) 2024 Income Statement Net interest income $ 2,709 $ 1,531 $ 163 $ (1,101) $ 3,302 Noninterest income 1,409 942 235 (477) 2,109 Total revenue 4,118 2,473 398 (1,578) 5,411 Provision for (recapture of) credit losses 27 228 2 (22) 235 Depreciation and amortization 80 51 9 145 285 Other noninterest expense 1,761 860 252 199 3,072 Income (loss) before income taxes (benefit) and noncontrolling interests 2,250 1,334 135 (1,900) 1,819 Income taxes (benefit) 524 283 32 (497) 342 Net income (loss) 1,726 1,051 103 (1,403) 1,477 Less: Net income attributable to noncontrolling interests 11 5 2 18 Net income (loss) excluding noncontrolling interests $ 1,715 $ 1,046 $ 103 $ (1,405) $ 1,459 Average Assets $ 115,102 $ 229,604 $ 17,018 $ 201,306 $ 563,030 2023 Income Statement Net interest income $ 2,448 $ 1,349 $ 125 $ (412) $ 3,510 Noninterest income 702 821 228 32 1,783 Total revenue 3,150 2,170 353 (380) 5,293 Provision for (recapture of) credit losses (14) 209 (10) (39) 146 Depreciation and amortization 81 53 7 143 284 Other noninterest expense 1,823 868 273 124 3,088 Income (loss) before income taxes (benefit) and noncontrolling interests 1,260 1,040 83 (608) 1,775 Income taxes (benefit) 295 218 20 (258) 275 Net income (loss) 965 822 63 (350) 1,500 Less: Net income attributable to noncontrolling interests 11 5 1 17 Net income (loss) excluding noncontrolling interests $ 954 $ 817 $ 63 $ (351) $ 1,483 Average Assets $ 114,826 $ 234,174 $ 15,562 $ 190,945 $ 555,507 (Continued from previous page) Six months ended June 30 Retail Corporate & Asset Other Consolidated (a) 2024 Income Statement Net interest income $ 5,326 $ 3,051 $ 320 $ (2,131) $ 6,566 Noninterest income 2,173 1,830 465 (478) 3,990 Total revenue 7,499 4,881 785 (2,609) 10,556 Provision for (recapture of) credit losses 145 275 (3) (27) 390 Depreciation and amortization 159 101 16 289 565 Other noninterest expense 3,519 1,732 510 365 6,126 Income (loss) before income taxes (benefit) and noncontrolling interests 3,676 2,773 262 (3,236) 3,475 Income taxes (benefit) 857 596 62 (861) 654 Net income (loss) 2,819 2,177 200 (2,375) 2,821 Less: Net income attributable to noncontrolling interests 19 10 3 32 Net income (loss) excluding noncontrolling interests $ 2,800 $ 2,167 $ 200 $ (2,378) $ 2,789 Average Assets $ 114,651 $ 229,151 $ 16,873 $ 202,264 $ 562,939 2023 Income Statement Net interest income $ 4,729 $ 2,732 $ 252 $ (618) $ 7,095 Noninterest income 1,445 1,707 458 191 3,801 Total revenue 6,174 4,439 710 (427) 10,896 Provision for (recapture of) credit losses 224 181 (1) (23) 381 Depreciation and amortization 159 107 13 286 565 Other noninterest expense 3,672 1,753 547 156 6,128 Income (loss) before income taxes (benefit) and noncontrolling interests 2,119 2,398 151 (846) 3,822 Income taxes (benefit) 497 512 36 (417) 628 Net income (loss) 1,622 1,886 115 (429) 3,194 Less: Net income attributable to noncontrolling interests 21 10 3 34 Net income (loss) excluding noncontrolling interests $ 1,601 $ 1,876 $ 115 $ (432) $ 3,160 Average Assets $ 115,103 $ 234,354 $ 15,282 $ 194,162 $ 558,901 (a) There were no material intersegment revenues for the three and six months ended June 30, 2024 and 2023.

Fee-Based Revenue from Contra_2

Fee-Based Revenue from Contracts with Customers (Tables)	6 Months Ended
	Jun. 30, 2024
Revenue from Contract with Customer [Abstract]
Noninterest Income by Business Segment and Reconciliation to Consolidated Noninterest Income	Table 80 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 23 Fee-based Revenue from Contracts with Customers in our 2023 Form 10-K. Table 80: Noninterest Income by Business Segment and Reconciliation to Consolidated Noninterest Income Three Months Ended Three Months Ended Retail Banking Corporate & Asset Management Group Retail Banking Corporate & Asset Management Group Asset management and brokerage Asset management fees $ 229 $ 222 Brokerage fees $ 135 $ 124 2 Total asset management and brokerage 135 229 124 224 Card and cash management Treasury management fees 11 $ 371 11 $ 345 Debit card fees 176 178 Net credit card fees (a) 58 61 Merchant services 41 19 45 19 Other 22 25 Total card and cash management 308 390 320 364 Lending and deposit services Deposit account fees 158 151 Other 19 8 18 8 Total lending and deposit services 177 8 169 8 Residential and commercial mortgage (b) 28 40 Capital markets and advisory 193 130 Other 11 14 Total in-scope noninterest income 620 630 229 613 556 224 Out-of-scope noninterest income (c) 789 312 6 89 265 4 Noninterest income by business segment $ 1,409 $ 942 $ 235 $ 702 $ 821 $ 228 Reconciliation to consolidated noninterest income Total in-scope business segment noninterest income $ 1,479 $ 1,393 Out-of-scope business segment noninterest income (c) 1,107 358 Noninterest income from other segments (477) 32 Noninterest income as shown on the Consolidated Income Statement $ 2,109 $ 1,783 (Continued from previous page) Six Months Ended Six Months Ended Retail Banking Corporate & Asset Retail Banking Corporate & Asset Asset management and brokerage Asset management fees $ 456 $ 446 Brokerage fees $ 272 $ 254 4 Total asset management and brokerage 272 456 254 450 Card and cash management Treasury management fees 21 $ 728 21 $ 673 Debit card fees 343 343 Net credit card fees (a) 103 119 Merchant services 78 38 84 38 Other 44 49 Total card and cash management 589 766 616 711 Lending and deposit services Deposit account fees 313 306 Other 35 17 36 16 Total lending and deposit services 348 17 342 16 Residential and commercial mortgage (b) 58 82 Capital markets and advisory 383 286 Other 28 22 Total in-scope noninterest income 1,209 1,252 456 1,212 1,117 450 Out-of-scope noninterest income (c) 964 578 9 233 590 8 Noninterest income by business segment $ 2,173 $ 1,830 $ 465 $ 1,445 $ 1,707 $ 458 Reconciliation to consolidated noninterest income Total in-scope business segment noninterest income $ 2,917 $ 2,779 Out-of-scope business segment noninterest income (c) 1,551 831 Noninterest income from other segments (478) 191 Noninterest income as shown on the Consolidated Income Statement $ 3,990 $ 3,801 (a) Net credit card fees consists of interchange fees of $170 million and $173 million and credit card reward costs of $113 million and $112 million for the three months ended June 30, 2024 and 2023, respectively. Net credit card fees consists of interchange fees of $328 million and $333 million and credit card reward costs of $226 million and $214 million for the six months ended June 30, 2024 and 2023, 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. (c)

Accounting Policies (Details)

Accounting Policies (Details) $ in Millions		6 Months Ended
		Jun. 30, 2024 USD ($) country	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Accounting Policies [Abstract]
Number of countries outside the US where strategic international offices are held | country		4
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Amount moved out of Net cash provided (used) by investing activities	[1]	$ (11,444)	$ 10,087
Increase in net cash provided (used) by investing activities		(6,585)	7,537
Interest-bearing deposits		1,716	5,166
Other investing activities, net		(357)	(445)
Cash, cash equivalents and restricted cash at end of period		$ 39,281	44,450	$ 50,725	$ 34,363
Revision of Prior Period, Reclassification, Adjustment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Amount moved out of Net cash provided (used) by investing activities			10,900
Increase in net cash provided (used) by investing activities			10,900
Interest-bearing deposits			10,800
Other investing activities, net			(100)
Cash, cash equivalents and restricted cash at end of period			$ 38,200		$ 27,300
[1] In the second quarter of 2024, we updated our policy for cash and cash equivalents to include interest-earning deposits with banks. See Note 1 Accounting Policies for additional information regarding this change to our cash and cash equivalents policy.

Investment Securities (Summary)

Investment Securities (Summary) (Details) - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	$ 54,896	$ 45,353
Securities available for sale debt securities, unrealized gains	202	257
Securities available for sale debt securities, unrealized losses	(3,910)	(3,825)
Securities available for sale debt securities, fair value	51,188	41,785
Held to maturity securities, amortized cost	87,457	90,784
Held-to-maturity securities, unrealized gains	62	179
Held-to-maturity securities, unrealized losses	(5,264)	(4,015)
Held-to-maturity securities, fair value	82,255	86,948
Accrued interest, held-to-maturity	268	281
Accrued interest, available-for-sale	252	144
Debt securities, available for sale, amortized cost	88	86
Debt securities, held to maturity, amortized cost	5	6
Net unrealized losses, related to securities transferred at fair value to held to maturity at a point in time	$ 3,800	$ 4,200
Fitch, AAA OR AA Rating | Credit Concentration Risk | Investments
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Concentration risk, percentage	97%	97%
U.S. Treasury and government agencies
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	$ 16,868	$ 7,596
Securities available for sale debt securities, unrealized gains	19	22
Securities available for sale debt securities, unrealized losses	(413)	(667)
Securities available for sale debt securities, fair value	16,474	6,951
Held to maturity securities, amortized cost	35,468	36,529
Held-to-maturity securities, unrealized gains		9
Held-to-maturity securities, unrealized losses	(1,302)	(1,141)
Held-to-maturity securities, fair value	34,166	35,397
Agency
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	30,234	30,643
Securities available for sale debt securities, unrealized gains	15	46
Securities available for sale debt securities, unrealized losses	(3,153)	(2,809)
Securities available for sale debt securities, fair value	27,096	27,880
Held to maturity securities, amortized cost	41,865	42,686
Held-to-maturity securities, unrealized gains	13	92
Held-to-maturity securities, unrealized losses	(3,805)	(2,733)
Held-to-maturity securities, fair value	38,073	40,045
Non-agency
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	534	585
Securities available for sale debt securities, unrealized gains	99	118
Securities available for sale debt securities, unrealized losses	(9)	(7)
Securities available for sale debt securities, fair value	624	696
Held to maturity securities, amortized cost	250	259
Held-to-maturity securities, unrealized gains
Held-to-maturity securities, unrealized losses	(23)	(17)
Held-to-maturity securities, fair value	227	242
Agency
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	1,758	1,680
Securities available for sale debt securities, unrealized gains		1
Securities available for sale debt securities, unrealized losses	(141)	(135)
Securities available for sale debt securities, fair value	1,617	1,546
Held to maturity securities, amortized cost	956	939
Held-to-maturity securities, unrealized gains	2	9
Held-to-maturity securities, unrealized losses	(31)	(23)
Held-to-maturity securities, fair value	927	925
Non-agency
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	824	913
Securities available for sale debt securities, unrealized gains	1	1
Securities available for sale debt securities, unrealized losses	(28)	(45)
Securities available for sale debt securities, fair value	797	869
Held to maturity securities, amortized cost	1,189	1,373
Held-to-maturity securities, unrealized gains	2	2
Held-to-maturity securities, unrealized losses	(17)	(27)
Held-to-maturity securities, fair value	1,174	1,348
Asset-backed
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	2,097	1,092
Securities available for sale debt securities, unrealized gains	27	25
Securities available for sale debt securities, unrealized losses	(4)	(1)
Securities available for sale debt securities, fair value	2,120	1,116
Held to maturity securities, amortized cost	4,833	5,890
Held-to-maturity securities, unrealized gains	22	17
Held-to-maturity securities, unrealized losses	(30)	(39)
Held-to-maturity securities, fair value	4,825	5,868
Other
Debt Securities, Available-for-sale and Held-to-maturity [Abstract]
Securities available for sale debt securities, amortized cost	2,581	2,844
Securities available for sale debt securities, unrealized gains	41	44
Securities available for sale debt securities, unrealized losses	(162)	(161)
Securities available for sale debt securities, fair value	2,460	2,727
Held to maturity securities, amortized cost	2,896	3,108
Held-to-maturity securities, unrealized gains	23	50
Held-to-maturity securities, unrealized losses	(56)	(35)
Held-to-maturity securities, fair value	$ 2,863	$ 3,123

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Schedule of Investments [Line Items]
Net unsettled investment purchases	$ 151	$ 151	$ 197
Investment securities, allowance for credit loss	93	93		$ 92
Pretax loss included in AOCI from derivatives	(285)	(285)	(301)
Securities available for sale	3,800
Loss on sale of available for sale securities	497	501	$ 2
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	35,900	35,900
Fair value of debt securities of a single issuer that exceeds 10 percent of shareholders equity	32,400	32,400
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	31,400	31,400
Fair value of debt securities of a single issuer that exceeds 10 percent of shareholders equity	$ 28,700	$ 28,700

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	Jun. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Unrealized loss position less than 12 months	$ (58)	$ (8)
Unrealized loss position less than 12 months	14,530	1,108
Unrealized loss position 12 months or more	(3,827)	(3,792)
Unrealized loss position 12 months or more	28,875	34,766
Total	(3,885)	(3,800)
Total	43,405	35,874
U.S. Treasury and government agencies
Debt Securities, Available-for-sale [Line Items]
Unrealized loss position less than 12 months	(30)
Unrealized loss position less than 12 months	10,966
Unrealized loss position 12 months or more	(383)	(666)
Unrealized loss position 12 months or more	2,960	6,035
Total	(413)	(666)
Total	13,926	6,035
Asset-backed
Debt Securities, Available-for-sale [Line Items]
Unrealized loss position less than 12 months	(3)
Unrealized loss position less than 12 months	694
Unrealized loss position 12 months or more	(1)	(1)
Unrealized loss position 12 months or more	93	9
Total	(4)	(1)
Total	787	9
Other
Debt Securities, Available-for-sale [Line Items]
Unrealized loss position less than 12 months	(1)	(3)
Unrealized loss position less than 12 months	105	78
Unrealized loss position 12 months or more	(139)	(136)
Unrealized loss position 12 months or more	1,932	2,106
Total	(140)	(139)
Total	2,037	2,184
Mortgage-backed Securities Agency | Residential mortgage-backed
Debt Securities, Available-for-sale [Line Items]
Unrealized loss position less than 12 months	(22)	(4)
Unrealized loss position less than 12 months	2,576	1,015
Unrealized loss position 12 months or more	(3,131)	(2,805)
Unrealized loss position 12 months or more	21,752	24,306
Total	(3,153)	(2,809)
Total	24,328	25,321
Mortgage-backed Securities Agency | Commercial mortgage servicing rights
Debt Securities, Available-for-sale [Line Items]
Unrealized loss position less than 12 months	(2)
Unrealized loss position less than 12 months	189
Unrealized loss position 12 months or more	(139)	(135)
Unrealized loss position 12 months or more	1,397	1,495
Total	(141)	(135)
Total	1,586	1,495
Mortgage-backed Securities Non-agency | Residential mortgage-backed
Debt Securities, Available-for-sale [Line Items]
Unrealized loss position less than 12 months		(1)
Unrealized loss position less than 12 months		15
Unrealized loss position 12 months or more	(6)	(4)
Unrealized loss position 12 months or more	87	84
Total	(6)	(5)
Total	87	99
Mortgage-backed Securities Non-agency | Commercial mortgage servicing rights
Debt Securities, Available-for-sale [Line Items]
Unrealized loss position less than 12 months
Unrealized loss position less than 12 months
Unrealized loss position 12 months or more	(28)	(45)
Unrealized loss position 12 months or more	654	731
Total	(28)	(45)
Total	$ 654	$ 731

Investment Securities (Gains (L

Investment Securities (Gains (Losses) on Sales of Securities Available for Sale) (Details) - USD ($) $ in Millions	3 Months Ended	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Jun. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Gross Gains		$ 2
Gross Losses	$ (497)	(501)	(2)
Net Gains (Losses)		(499)	(2)
Tax Expense (Benefit)		$ (105)

Investment Securities (Contract

Investment Securities (Contractual Maturity of Securities) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	$ 1,490
Available for sale securities, amortized cost, after 1 year through 5 years	5,994
Available for sale securities, amortized cost, after 5 years through 10 years	15,770
Available for sale securities, amortized cost, after 10 years	31,642
Securities available for sale debt securities, amortized cost	54,896	$ 45,353
Available-for-sale securities, fair value, 1 year or less	1,480
Available-for-sale securities, fair value, after 1 year through 5 years	5,808
Available-for-sale securities, fair value, after 5 years through 10 years	15,422
Available-for-sale securities, fair value, after 10 years	28,478
Available-for-sale securities, fair value	$ 51,188	41,785
Weighted-average yield, GAAP basis, available for sale securities	3.63%
Held to maturity securities, amortized cost, 1 year or less	$ 10,585
Held to maturity securities, amortized cost, after 1 year through 5 years	25,099
Held to maturity securities, amortized cost, after 5 years through 10 years	5,192
Held to maturity securities, amortized cost, after 10 years	46,581
Held to maturity securities, amortized cost	87,457	90,784
Held-to-maturity securities, fair value, 1 year or less	10,461
Held-to-maturity securities, fair value, after 1 year through 5 years	24,133
Held-to-maturity securities, fair value, after 5 years through 10 years	4,989
Held-to-maturity securities, fair value, after 10 years	42,672
Held-to-maturity securities, fair value	$ 82,255	86,948
Weighted-average yield, GAAP basis, held to maturity securities	2.38%
1 Year or Less
Debt Securities [Line Items]
Weighted-average yield, GAAP basis, available for sale securities	1.43%
Weighted-average yield, GAAP basis, held to maturity securities	0.96%
After 1 Year through 5 Years
Debt Securities [Line Items]
Weighted-average yield, GAAP basis, available for sale securities	3.57%
Weighted-average yield, GAAP basis, held to maturity securities	1.60%
After 5 Years through 10 Years
Debt Securities [Line Items]
Weighted-average yield, GAAP basis, available for sale securities	4.13%
Weighted-average yield, GAAP basis, held to maturity securities	3.79%
After 10 Years
Debt Securities [Line Items]
Weighted-average yield, GAAP basis, available for sale securities	3.50%
Weighted-average yield, GAAP basis, held to maturity securities	2.97%
U.S. Treasury and government agencies
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	$ 1,202
Available for sale securities, amortized cost, after 1 year through 5 years	2,470
Available for sale securities, amortized cost, after 5 years through 10 years	10,854
Available for sale securities, amortized cost, after 10 years	2,342
Securities available for sale debt securities, amortized cost	16,868	7,596
Available-for-sale securities, fair value	16,474	6,951
Held to maturity securities, amortized cost, 1 year or less	10,363
Held to maturity securities, amortized cost, after 1 year through 5 years	22,586
Held to maturity securities, amortized cost, after 5 years through 10 years	1,635
Held to maturity securities, amortized cost, after 10 years	884
Held to maturity securities, amortized cost	35,468	36,529
Held-to-maturity securities, fair value	34,166	35,397
Residential mortgage-backed | Mortgage-backed Securities Agency
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	1
Available for sale securities, amortized cost, after 1 year through 5 years	222
Available for sale securities, amortized cost, after 5 years through 10 years	3,472
Available for sale securities, amortized cost, after 10 years	26,539
Securities available for sale debt securities, amortized cost	30,234
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	309
Held to maturity securities, amortized cost, after 10 years	41,547
Held to maturity securities, amortized cost	41,865
Residential mortgage-backed | Mortgage-backed Securities Non-agency
Debt Securities [Line Items]
Available for sale securities, amortized cost, after 5 years through 10 years	11
Available for sale securities, amortized cost, after 10 years	523
Securities available for sale debt securities, amortized cost	534
Held to maturity securities, amortized cost, after 10 years	250
Held to maturity securities, amortized cost	250
Commercial mortgage servicing rights | Mortgage-backed Securities Agency
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	6
Available for sale securities, amortized cost, after 1 year through 5 years	664
Available for sale securities, amortized cost, after 5 years through 10 years	751
Available for sale securities, amortized cost, after 10 years	337
Securities available for sale debt securities, amortized cost	1,758
Held to maturity securities, amortized cost, after 1 year through 5 years	158
Held to maturity securities, amortized cost, after 5 years through 10 years	587
Held to maturity securities, amortized cost, after 10 years	211
Held to maturity securities, amortized cost	956
Commercial mortgage servicing rights | Mortgage-backed Securities Non-agency
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	1
Available for sale securities, amortized cost, after 1 year through 5 years	105
Available for sale securities, amortized cost, after 5 years through 10 years	73
Available for sale securities, amortized cost, after 10 years	645
Securities available for sale debt securities, amortized cost	824
Held to maturity securities, amortized cost, 1 year or less
Held to maturity securities, amortized cost, after 1 year through 5 years	49
Held to maturity securities, amortized cost, after 10 years	1,140
Held to maturity securities, amortized cost	1,189
Asset-backed
Debt Securities [Line Items]
Available for sale securities, amortized cost, after 1 year through 5 years	667
Available for sale securities, amortized cost, after 5 years through 10 years	318
Available for sale securities, amortized cost, after 10 years	1,112
Securities available for sale debt securities, amortized cost	2,097
Held to maturity securities, amortized cost, 1 year or less	20
Held to maturity securities, amortized cost, after 1 year through 5 years	1,329
Held to maturity securities, amortized cost, after 5 years through 10 years	2,228
Held to maturity securities, amortized cost, after 10 years	1,256
Held to maturity securities, amortized cost	4,833
Other
Debt Securities [Line Items]
Available for sale securities, amortized cost, 1 year or less	280
Available for sale securities, amortized cost, after 1 year through 5 years	1,866
Available for sale securities, amortized cost, after 5 years through 10 years	291
Available for sale securities, amortized cost, after 10 years	144
Securities available for sale debt securities, amortized cost	2,581	2,844
Available-for-sale securities, fair value	2,460	2,727
Held to maturity securities, amortized cost, 1 year or less	202
Held to maturity securities, amortized cost, after 1 year through 5 years	968
Held to maturity securities, amortized cost, after 5 years through 10 years	433
Held to maturity securities, amortized cost, after 10 years	1,293
Held to maturity securities, amortized cost	2,896	3,108
Held-to-maturity securities, fair value	$ 2,863	$ 3,123

Investment Securities (Fair Val

Investment Securities (Fair Value of Securities Pledged and Accepted as Collateral) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Summary of Investment Holdings [Line Items]
Permitted by contract or custom to sell or repledge	$ 681	$ 755
Permitted amount repledged to others	681	755
Asset Pledged as Collateral
Summary of Investment Holdings [Line Items]
Debt securities, pledged to others	$ 70,186	$ 29,878

Loans and Related Allowance f_3

Loans and Related Allowance for Credit Losses (Narrative) (Details) $ in Millions	3 Months Ended	6 Months Ended
	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) portfolio_segment	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Financing Receivable, Credit Quality Indicator [Line Items]
Number of portfolio segments | portfolio_segment		2
Financing receivable, after allowance for credit loss		$ 316,793		$ 316,717
Subsequently defaulted FDM/ TDR	$ 46		$ 48
Allowance for credit loss	$ 5,400	$ 5,353	$ 5,400	5,500
Short-Term Repayment Plan
Financing Receivable, Credit Quality Indicator [Line Items]
Weighted average interest rate reduction		4.99%
Short-Term Repayment Plan | Minimum
Financing Receivable, Credit Quality Indicator [Line Items]
Repayment plan term		6 months
Minimum payment percentage		1.90%
Short-Term Repayment Plan | Maximum
Financing Receivable, Credit Quality Indicator [Line Items]
Repayment plan term		12 months
Fully-amortized Repayment Plans
Financing Receivable, Credit Quality Indicator [Line Items]
Repayment plan term		60 months
Weighted average interest rate reduction		4.99%
Fully-amortized Repayment Plans | Minimum
Financing Receivable, Credit Quality Indicator [Line Items]
Minimum payment percentage		1.90%
Federal Reserve Bank | Asset Pledged as Collateral without Right
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, after allowance for credit loss		$ 49,800		51,300
Federal Home Loan Bank | Asset Pledged as Collateral without Right
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, after allowance for credit loss		$ 88,800		$ 89,500

Loans and Related Allowance f_4

Loans and Related Allowance for Credit Losses (Analysis of Loan Portfolio) (Details) - USD ($) $ in Millions		Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Total loans	[1]	$ 321,429	$ 321,508
Percentage of total loans, past due		100%	100%
Accrued interest on loan portfolio		$ 1,500	$ 1,500
Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans		900	1,000
Collateral Dependent
Financing Receivable, Past Due [Line Items]
Total loans		1,600	1,400
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		$ 1,272	$ 1,384
Percentage of total loans, past due		0.40%	0.43%
Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		$ 317,189	$ 317,359
Percentage of total loans, past due		98.68%	98.71%
30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		$ 645	$ 685
Percentage of total loans, past due		0.20%	0.21%
60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		$ 259	$ 270
Percentage of total loans, past due		0.08%	0.08%
90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		$ 368	$ 429
Percentage of total loans, past due		0.11%	0.13%
Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		$ 2,503	$ 2,180
Percentage of total loans, past due		0.78%	0.68%
Fair Value Option Nonaccrual Loans
Financing Receivable, Past Due [Line Items]
Nonaccrual loans		$ 465	$ 585
Percentage of total loans, nonaccrual, past due		0.14%	0.18%
Total commercial
Financing Receivable, Past Due [Line Items]
Total loans		$ 220,842	$ 219,558
Total commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		270	290
Total commercial | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		218,926	217,961
Total commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		122	152
Total commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		61	53
Total commercial | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		87	85
Total commercial | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		1,646	1,307
Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		100,587	101,950
Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		1,002	1,094
Total consumer | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		98,263	99,398
Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		523	533
Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		198	217
Total consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		281	344
Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		857	873
Total consumer | Fair Value Option Nonaccrual Loans
Financing Receivable, Past Due [Line Items]
Nonaccrual loans		465	585
Commercial and industrial | Total commercial
Financing Receivable, Past Due [Line Items]
Total loans		178,789	177,580
Commercial and industrial | Total commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		234	225
Commercial and industrial | Total commercial | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		177,853	176,796
Commercial and industrial | Total commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		95	104
Commercial and industrial | Total commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		53	45
Commercial and industrial | Total commercial | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		86	76
Commercial and industrial | Total commercial | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		702	559
Commercial real estate | Total commercial
Financing Receivable, Past Due [Line Items]
Total loans		35,498	35,436
Commercial real estate | Total commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		11	16
Commercial real estate | Total commercial | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		34,559	34,685
Commercial real estate | Total commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		8	7
Commercial real estate | Total commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		2
Commercial real estate | Total commercial | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		1	9
Commercial real estate | Total commercial | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		928	735
Equipment lease financing | Total commercial
Financing Receivable, Past Due [Line Items]
Total loans		6,555	6,542
Equipment lease financing | Total commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		25	49
Equipment lease financing | Total commercial | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		6,514	6,480
Equipment lease financing | Total commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		19	41
Equipment lease financing | Total commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		6	8
Equipment lease financing | Total commercial | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		16	13
Residential real estate
Financing Receivable, Past Due [Line Items]
Total loans		47,183	47,544
Residential real estate | Government insured or guaranteed loans
Financing Receivable, Past Due [Line Items]
Total loans		624	653
Residential real estate | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		47,183	47,544
Residential real estate | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		524	575
Residential real estate | Total consumer | Financial Asset, Past Due | Government insured or guaranteed loans
Financing Receivable, Past Due [Line Items]
Total loans		200	300
Residential real estate | Total consumer | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		45,984	46,159
Residential real estate | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		278	282
Residential real estate | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		91	101
Residential real estate | Total consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		155	192
Residential real estate | Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		275	294
Residential real estate | Total consumer | Fair Value Option Nonaccrual Loans
Financing Receivable, Past Due [Line Items]
Nonaccrual loans		400	516
Home equity
Financing Receivable, Past Due [Line Items]
Total loans		25,917	26,150
Home equity | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		25,917	26,150
Home equity | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		88	90
Home equity | Total consumer | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		25,296	25,533
Home equity | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		64	63
Home equity | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		24	27
Home equity | Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		468	458
Home equity | Total consumer | Fair Value Option Nonaccrual Loans
Financing Receivable, Past Due [Line Items]
Nonaccrual loans		65	69
Automobile | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		14,820	14,860
Automobile | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		120	118
Automobile | Total consumer | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		14,607	14,638
Automobile | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		92	91
Automobile | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		22	20
Automobile | Total consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		6	7
Automobile | Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		93	104
Credit card | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		6,849	7,180
Credit card | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		163	179
Credit card | Total consumer | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		6,673	6,991
Credit card | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		50	54
Credit card | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		37	39
Credit card | Total consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		76	86
Credit card | Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		13	10
Education
Financing Receivable, Past Due [Line Items]
Total loans		1,732	1,945
Education | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		1,732	1,945
Education | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		78	95
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 | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		1,654	1,850
Education | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		27	27
Education | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		15	19
Education | Total consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		36	49
Other consumer
Financing Receivable, Past Due [Line Items]
Total loans		4,086	4,271
Other consumer | Total consumer
Financing Receivable, Past Due [Line Items]
Total loans		4,086	4,271
Other consumer | Total consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total loans		29	37
Other consumer | Total consumer | Current or Less Than 30 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		4,049	4,227
Other consumer | Total consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		12	16
Other consumer | Total consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans		9	11
Other consumer | Total consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total loans		8	10
Other consumer | Total consumer | Nonperforming Loans
Financing Receivable, Past Due [Line Items]
Total loans		$ 8	$ 7
[1] Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.9 billion, Loans held for investment of $1.2 billion and Other assets of $0.1 billion at June 30, 2024. Comparable amounts at December 31, 2023 were $0.7 billion, $1.2 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		Jun. 30, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	[1]	$ 321,429	$ 321,508
Total assets		556,519	561,580
Nonperforming loans, without allowance for credit losses		500	500
Nonperforming Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans		2,503	2,180
OREO and foreclosed assets		34	36
Total assets		$ 2,537	$ 2,216
Nonperforming loans to total loans		0.78%	0.68%
Nonperforming assets to total loans, OREO and foreclosed assets		0.79%	0.69%
Nonperforming assets to total assets		0.46%	0.39%
Total commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans		$ 220,842	$ 219,558
Total commercial | Nonperforming Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans		1,646	1,307
Total consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans		100,587	101,950
Total consumer | Nonperforming Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans		$ 857	$ 873
Unsecured Consumer Loans | Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Threshold period of financing receivable past due, writeoff		120 days
Unsecured Consumer Loans | Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Threshold period of financing receivable past due, writeoff		180 days
[1] Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.9 billion, Loans held for investment of $1.2 billion and Other assets of $0.1 billion at June 30, 2024. Comparable amounts at December 31, 2023 were $0.7 billion, $1.2 billion and $0.1 billion, respectively.

Loans and Related Allowance f_6

Loans and Related Allowance for Credit Losses (Commercial Lending Asset Quality Indicators) (Details) - USD ($) $ in Millions		3 Months Ended		6 Months Ended		12 Months Ended
		Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total loans, net	[1]	$ 321,429		$ 321,429		$ 321,508
Gross charge-offs
Total		375	$ 293	705	$ 575
Commercial
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		13,691		13,691		29,806
Year two		25,988		25,988		39,814
Year three		33,454		33,454		12,512
Year four		10,790		10,790		9,535
Year five		8,239		8,239		10,387
Prior		29,691		29,691		23,271
Revolving Loans		98,164		98,164		93,609
Revolving Loans Converted to Term		825		825		624
Total loans, net		220,842		220,842		219,558
Gross charge-offs
Year one				11		29
Year two				24		36
Year three				27		37
Year four				22		24
Year five				6		35
Prior				166		164
Revolving Loans				42		105
Revolving Loans Converted to Term				48		12
Total		198	$ 135	346	$ 255	442
Commercial | Commercial and industrial
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		11,717		11,717		23,857
Year two		19,174		19,174		28,438
Year three		22,290		22,290		8,301
Year four		6,907		6,907		6,114
Year five		5,379		5,379		4,391
Prior		14,824		14,824		12,680
Revolving Loans		97,724		97,724		93,175
Revolving Loans Converted to Term		774		774		624
Total loans, net		178,789		178,789		177,580
Gross charge-offs
Year one				11		25
Year two				14		32
Year three				21		33
Year four				18		8
Year five				3		3
Prior				4		26
Revolving Loans				42		105
Revolving Loans Converted to Term				48		12
Total				161		244
Commercial | Commercial real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		1,204		1,204		4,337
Year two		5,315		5,315		9,871
Year three		9,798		9,798		3,441
Year four		3,220		3,220		2,680
Year five		2,238		2,238		5,509
Prior		13,232		13,232		9,164
Revolving Loans		440		440		434
Revolving Loans Converted to Term		51		51
Total loans, net		35,498		35,498		35,436
Gross charge-offs
Year one
Year two				5
Year three
Year four				2		12
Year five				1		31
Prior				161		137
Revolving Loans
Revolving Loans Converted to Term
Total				169		180
Commercial | Equipment lease financing
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		770		770		1,612
Year two		1,499		1,499		1,505
Year three		1,366		1,366		770
Year four		663		663		741
Year five		622		622		487
Prior		1,635		1,635		1,427
Revolving Loans
Revolving Loans Converted to Term
Total loans, net		6,555		6,555		6,542
Gross charge-offs
Year one						4
Year two				5		4
Year three				6		4
Year four				2		4
Year five				2		1
Prior				1		1
Revolving Loans
Revolving Loans Converted to Term
Total				16		18
Pass Rated | Commercial | Commercial and industrial
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		11,419		11,419		23,019
Year two		18,080		18,080		26,657
Year three		19,842		19,842		7,562
Year four		6,104		6,104		5,783
Year five		5,190		5,190		4,110
Prior		14,021		14,021		11,982
Revolving Loans		92,363		92,363		88,467
Revolving Loans Converted to Term		695		695		573
Total loans, net		167,714		167,714		168,153
Pass Rated | Commercial | Commercial real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		1,113		1,113		4,182
Year two		5,125		5,125		8,571
Year three		8,166		8,166		2,986
Year four		2,759		2,759		2,190
Year five		1,761		1,761		4,887
Prior		10,946		10,946		7,411
Revolving Loans		420		420		383
Revolving Loans Converted to Term
Total loans, net		30,290		30,290		30,610
Pass Rated | Commercial | Equipment lease financing
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		746		746		1,522
Year two		1,392		1,392		1,424
Year three		1,281		1,281		689
Year four		591		591		690
Year five		580		580		452
Prior		1,590		1,590		1,378
Revolving Loans
Revolving Loans Converted to Term
Total loans, net		6,180		6,180		6,155
Criticized | Commercial | Commercial and industrial
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		298		298		838
Year two		1,094		1,094		1,781
Year three		2,448		2,448		739
Year four		803		803		331
Year five		189		189		281
Prior		803		803		698
Revolving Loans		5,361		5,361		4,708
Revolving Loans Converted to Term		79		79		51
Total loans, net		11,075		11,075		9,427
Criticized | Commercial | Commercial real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		91		91		155
Year two		190		190		1,300
Year three		1,632		1,632		455
Year four		461		461		490
Year five		477		477		622
Prior		2,286		2,286		1,753
Revolving Loans		20		20		51
Revolving Loans Converted to Term		51		51
Total loans, net		5,208		5,208		4,826
Criticized | Commercial | Equipment lease financing
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		24		24		90
Year two		107		107		81
Year three		85		85		81
Year four		72		72		51
Year five		42		42		35
Prior		45		45		49
Revolving Loans
Revolving Loans Converted to Term
Total loans, net		$ 375		$ 375		$ 387
[1] Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.9 billion, Loans held for investment of $1.2 billion and Other assets of $0.1 billion at June 30, 2024. Comparable amounts at December 31, 2023 were $0.7 billion, $1.2 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		3 Months Ended		6 Months Ended		12 Months Ended
		Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total loans, net	[1]	$ 321,429		$ 321,429		$ 321,508
Gross charge-offs
Total		375	$ 293	705	$ 575
Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		1,488		1,488		5,335
Year two		4,986		4,986		10,064
Year three		9,784		9,784		15,484
Year four		15,070		15,070		6,832
Year five		6,608		6,608		2,270
Prior		9,247		9,247		7,559
Total loans, net		47,183		47,183		47,544
Gross charge-offs
Year two						2
Year three						1
Year four						1
Prior				2		4
Total				2		8
Home equity
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year two
Year three						162
Year four		156		156		1,918
Year five		1,819		1,819		868
Prior		3,155		3,155		2,592
Revolving Loans		8,137		8,137		8,265
Revolving Loans Converted to Term		12,650		12,650		12,345
Total loans, net		25,917		25,917		26,150
Gross charge-offs
Prior				1		4
Revolving Loans				9		7
Revolving Loans Converted to Term				9		10
Total				19		21
Greater than or equal to 780 | Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		813		813		3,206
Year two		3,411		3,411		7,797
Year three		7,691		7,691		12,197
Year four		12,061		12,061		5,035
Year five		4,889		4,889		1,492
Prior		5,190		5,190		4,004
Total loans, net		34,055		34,055		33,731
Greater than or equal to 780 | Home equity
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year two
Year three						102
Year four		100		100		1,254
Year five		1,209		1,209		489
Prior		1,930		1,930		1,605
Revolving Loans		4,597		4,597		4,604
Revolving Loans Converted to Term		6,203		6,203		6,083
Total loans, net		14,039		14,039		14,137
720 to 779 | Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		601		601		1,482
Year two		1,030		1,030		1,659
Year three		1,581		1,581		2,389
Year four		2,160		2,160		1,107
Year five		1,042		1,042		432
Prior		1,684		1,684		1,388
Total loans, net		8,098		8,098		8,457
720 to 779 | Home equity
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year two
Year three						38
Year four		36		36		423
Year five		383		383		216
Prior		643		643		488
Revolving Loans		2,179		2,179		2,222
Revolving Loans Converted to Term		3,243		3,243		3,225
Total loans, net		6,484		6,484		6,612
660 to 719 | Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		71		71		400
Year two		286		286		508
Year three		399		399		657
Year four		594		594		334
Year five		346		346		171
Prior		827		827		721
Total loans, net		2,523		2,523		2,791
660 to 719 | Home equity
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year two
Year three						17
Year four		15		15		174
Year five		166		166		110
Prior		320		320		271
Revolving Loans		1,155		1,155		1,207
Revolving Loans Converted to Term		1,967		1,967		1,894
Total loans, net		3,623		3,623		3,673
Less than 660 | Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		2		2		93
Year two		111		111		71
Year three		84		84		133
Year four		150		150		122
Year five		110		110		82
Prior		733		733		680
Total loans, net		1,190		1,190		1,181
Less than 660 | Home equity
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year two
Year three						5
Year four		5		5		65
Year five		59		59		52
Prior		255		255		220
Revolving Loans		199		199		223
Revolving Loans Converted to Term		1,188		1,188		1,089
Total loans, net		1,706		1,706		1,654
No FICO score available | Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		1		1		140
Year two		134		134		9
Year three		8		8		92
Year four		90		90		168
Year five		157		157		56
Prior		303		303		266
Total loans, net		693		693		731
No FICO score available | Home equity
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year three
Year four						2
Year five		2		2		1
Prior		7		7		8
Revolving Loans		7		7		9
Revolving Loans Converted to Term		49		49		54
Total loans, net		65		65		74
Government insured or guaranteed loans | Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one						14
Year two		14		14		20
Year three		21		21		16
Year four		15		15		66
Year five		64		64		37
Prior		510		510		500
Total loans, net		624		624		653
Greater than 100% | Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		5		5		15
Year two		39		39		139
Year three		133		133		79
Year four		68		68		31
Year five		30		30		10
Prior		33		33		28
Total loans, net		308		308		302
Greater than 100% | Home equity
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year two
Year three						1
Year four		2		2		12
Year five		12		12		6
Prior		17		17		14
Revolving Loans		336		336		306
Revolving Loans Converted to Term		356		356		309
Total loans, net		723		723		648
Greater than or equal to 80% to 100% | Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		507		507		1,665
Year two		838		838		1,928
Year three		1,256		1,256		955
Year four		740		740		221
Year five		199		199		69
Prior		147		147		92
Total loans, net		3,687		3,687		4,930
Greater than or equal to 80% to 100% | Home equity
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year two
Year three						4
Year four		5		5		40
Year five		34		34		17
Prior		32		32		22
Revolving Loans		1,068		1,068		1,116
Revolving Loans Converted to Term		1,631		1,631		1,743
Total loans, net		2,770		2,770		2,942
Less than 80% | Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		976		976		3,585
Year two		4,054		4,054		7,977
Year three		8,374		8,374		14,421
Year four		14,236		14,236		6,514
Year five		6,315		6,315		2,154
Prior		8,554		8,554		6,935
Total loans, net		42,509		42,509		41,586
Less than 80% | Home equity
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year two
Year three						157
Year four		149		149		1,866
Year five		1,773		1,773		845
Prior		3,106		3,106		2,556
Revolving Loans		6,733		6,733		6,843
Revolving Loans Converted to Term		10,663		10,663		10,293
Total loans, net		22,424		22,424		22,560
No LTV available | Residential real estate
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one						56
Year two		41		41
Year three						13
Year four		11		11
Year five
Prior		3		3		4
Total loans, net		$ 55		$ 55		$ 73
[1] Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.9 billion, Loans held for investment of $1.2 billion and Other assets of $0.1 billion at June 30, 2024. Comparable amounts at December 31, 2023 were $0.7 billion, $1.2 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		3 Months Ended		6 Months Ended		12 Months Ended
		Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Total loans, net	[1]	$ 321,429		$ 321,429		$ 321,508
Gross charge-offs
Total		375	$ 293	705	$ 575
Updated FICO scores
Gross charge-offs
Year one						8
Year two				23		24
Year three				13		22
Year four				9		17
Year five				6		30
Prior				13		20
Total				64		121
Updated FICO scores | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		3,199		3,199		5,797
Year two		4,794		4,794		3,630
Year three		2,954		2,954		2,912
Year four		2,265		2,265		1,174
Year five		827		827		1,004
Prior		781		781		343
Total loans, net		14,820		14,820		14,860
Updated FICO scores | Greater than or equal to 780 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		1,663		1,663		2,722
Year two		2,086		2,086		1,650
Year three		1,387		1,387		1,483
Year four		1,171		1,171		535
Year five		377		377		368
Prior		259		259		88
Total loans, net		6,943		6,943		6,846
Updated FICO scores | 720 to 779 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		1,000		1,000		1,797
Year two		1,496		1,496		1,104
Year three		842		842		778
Year four		578		578		301
Year five		202		202		250
Prior		184		184		80
Total loans, net		4,302		4,302		4,310
Updated FICO scores | 660 to 719 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		469		469		1,014
Year two		860		860		604
Year three		473		473		408
Year four		307		307		186
Year five		129		129		186
Prior		144		144		70
Total loans, net		2,382		2,382		2,468
Updated FICO scores | Less than 660 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		67		67		264
Year two		352		352		272
Year three		252		252		243
Year four		209		209		152
Year five		119		119		200
Prior		194		194		105
Total loans, net		1,193		1,193		1,236
Credit card
Gross charge-offs
Revolving Loans				164		290
Revolving Loans Converted to Term				18		29
Total				182		319
Credit card | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Revolving Loans		6,774		6,774		7,111
Revolving Loans Converted to Term		75		75		69
Total loans, net		6,849		6,849		7,180
Credit card | Greater than or equal to 780 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Revolving Loans		1,975		1,975		2,017
Revolving Loans Converted to Term		1		1		1
Total loans, net		1,976		1,976		2,018
Credit card | 720 to 779 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Revolving Loans		1,885		1,885		1,976
Revolving Loans Converted to Term		4		4		4
Total loans, net		1,889		1,889		1,980
Credit card | 660 to 719 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Revolving Loans		1,857		1,857		1,979
Revolving Loans Converted to Term		14		14		13
Total loans, net		1,871		1,871		1,992
Credit card | Less than 660 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Revolving Loans		952		952		1,036
Revolving Loans Converted to Term		53		53		48
Total loans, net		1,005		1,005		1,084
Credit card | No FICO score available or required | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Revolving Loans		105		105		103
Revolving Loans Converted to Term		3		3		3
Total loans, net		108		108		106
Education
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		22		22		106
Year two		129		129		160
Year three		150		150		83
Year four		75		75		68
Year five		60		60		85
Prior		1,296		1,296		1,443
Total loans, net		1,732		1,732		1,945
Gross charge-offs
Year three				1		1
Year four						1
Year five				1		2
Prior				7		13
Total				9		17
Education | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		22		22		106
Year two		129		129		160
Year three		150		150		83
Year four		75		75		68
Year five		60		60		85
Prior		556		556		538
Total loans, net		992		992		1,040
Education | Greater than or equal to 780 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		7		7		35
Year two		65		65		88
Year three		87		87		45
Year four		42		42		40
Year five		37		37		51
Prior		347		347		331
Total loans, net		585		585		590
Education | 720 to 779 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		7		7		32
Year two		41		41		47
Year three		41		41		24
Year four		22		22		19
Year five		16		16		24
Prior		131		131		131
Total loans, net		258		258		277
Education | 660 to 719 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		4		4		20
Year two		14		14		17
Year three		15		15		8
Year four		7		7		6
Year five		5		5		8
Prior		55		55		54
Total loans, net		100		100		113
Education | Less than 660 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		1		1		4
Year two		3		3		3
Year three		3		3		2
Year four		1		1		1
Year five		1		1		2
Prior		22		22		21
Total loans, net		31		31		33
Education | No FICO score available or required | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		3		3		15
Year two		6		6		5
Year three		4		4		4
Year four		3		3		2
Year five		1		1
Prior		1		1		1
Total loans, net		18		18		27
Education | Other internal credit metrics
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Prior		740		740		905
Total loans, net		740		740		905
Other consumer
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		389		389		712
Year two		549		549		573
Year three		443		443		222
Year four		143		143		139
Year five		65		65		137
Prior		143		143		75
Revolving Loans		2,340		2,340		2,398
Revolving Loans Converted to Term		14		14		15
Total loans, net		4,086		4,086		4,271
Gross charge-offs
Year one				34		75
Year two				12		23
Year three				13		18
Year four				8		14
Year five				4		14
Prior				6		8
Revolving Loans				6		11
Revolving Loans Converted to Term						1
Total				83		164
Other consumer | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		382		382		693
Year two		539		539		476
Year three		348		348		189
Year four		125		125		91
Year five		52		52		66
Prior		49		49		41
Revolving Loans		235		235		249
Revolving Loans Converted to Term		4		4		5
Total loans, net		1,734		1,734		1,810
Other consumer | Greater than or equal to 780 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		123		123		241
Year two		190		190		127
Year three		90		90		47
Year four		30		30		21
Year five		11		11		14
Prior		12		12		11
Revolving Loans		37		37		39
Revolving Loans Converted to Term		1		1		1
Total loans, net		494		494		501
Other consumer | 720 to 779 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		156		156		286
Year two		205		205		157
Year three		109		109		54
Year four		36		36		26
Year five		14		14		17
Prior		13		13		11
Revolving Loans		75		75		80
Revolving Loans Converted to Term		1		1		1
Total loans, net		609		609		632
Other consumer | 660 to 719 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		101		101		147
Year two		114		114		140
Year three		104		104		57
Year four		37		37		27
Year five		16		16		21
Prior		14		14		11
Revolving Loans		82		82		87
Revolving Loans Converted to Term		1		1		2
Total loans, net		469		469		492
Other consumer | Less than 660 | Using FICO Credit Metric
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		2		2		19
Year two		30		30		52
Year three		45		45		31
Year four		22		22		17
Year five		11		11		14
Prior		10		10		8
Revolving Loans		41		41		43
Revolving Loans Converted to Term		1		1		1
Total loans, net		162		162		185
Other consumer | Other internal credit metrics
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]
Year one		7		7		19
Year two		10		10		97
Year three		95		95		33
Year four		18		18		48
Year five		13		13		71
Prior		94		94		34
Revolving Loans		2,105		2,105		2,149
Revolving Loans Converted to Term		10		10		10
Total loans, net		$ 2,352		$ 2,352		$ 2,461
[1] Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.9 billion, Loans held for investment of $1.2 billion and Other assets of $0.1 billion at June 30, 2024. Comparable amounts at December 31, 2023 were $0.7 billion, $1.2 billion and $0.1 billion, respectively.

Loans and Related Allowance f_9

Loans and Related Allowance for Credit Losses (Modified, Amortized Cost Basis) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 1,326	$ 869	$ 2,233	$ 1,275
% of Loan Class	0.41%	0.27%	0.69%	0.40%
Unfunded lending related commitments	$ 300	$ 100	$ 300	$ 100
Principal Forgiveness
Financing Receivable [Line Items]
Amortized cost basis, modified				1
Interest Rate Reduction
Financing Receivable [Line Items]
Amortized cost basis, modified	18	1	18	1
Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	827	595	1,502	927
Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	129	97	171	148
Repayment Plan
Financing Receivable [Line Items]
Amortized cost basis, modified	22	21	42	36
Payment Delay and Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	149		257
Interest Rate Reduction and Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	103	1	113	2
Interest Rate Reduction and Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified			15
Other
Financing Receivable [Line Items]
Amortized cost basis, modified	78	154	115	160
Commercial and industrial | Principal Forgiveness
Financing Receivable [Line Items]
Amortized cost basis, modified				1
Commercial and industrial | Interest Rate Reduction
Financing Receivable [Line Items]
Amortized cost basis, modified	120		145
Commercial and industrial | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	539	366	941	432
Commercial and industrial | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	159	59	207	72
Commercial real estate | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	538	228	927	493
Commercial real estate | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	84		173
Residential real estate | Interest Rate Reduction
Financing Receivable [Line Items]
Amortized cost basis, modified	1	2	1	3
Residential real estate | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	1	1	1	2
Residential real estate | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	30	35	55	72
Home equity | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	5	3	8	4
Education | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	1	1	3	2
Total commercial
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 1,256	$ 800	$ 2,106	$ 1,149
% of Loan Class	0.57%	0.36%	0.95%	0.52%
Total commercial | Principal Forgiveness
Financing Receivable [Line Items]
Amortized cost basis, modified				$ 1
Total commercial | Interest Rate Reduction
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 18		$ 18
Total commercial | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	826	$ 594	1,499	925
Total commercial | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	94	59	108	72
Total commercial | Payment Delay and Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	149		257
Total commercial | Interest Rate Reduction and Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	102		112
Total commercial | Interest Rate Reduction and Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified			15
Total commercial | Other
Financing Receivable [Line Items]
Amortized cost basis, modified	67	147	97	151
Total commercial | Commercial and industrial
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 718	$ 512	$ 1,154	$ 596
% of Loan Class	0.40%	0.29%	0.65%	0.34%
Total commercial | Commercial and industrial | Principal Forgiveness
Financing Receivable [Line Items]
Amortized cost basis, modified				$ 1
Total commercial | Commercial and industrial | Interest Rate Reduction
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 18		$ 18
Total commercial | Commercial and industrial | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	372	$ 366	720	432
Total commercial | Commercial and industrial | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	94	59		72
Total commercial | Commercial and industrial | Payment Deferral, Adjustment
Financing Receivable [Line Items]
Amortized cost basis, modified			83
Total commercial | Commercial and industrial | Payment Delay and Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	65		109
Total commercial | Commercial and industrial | Interest Rate Reduction and Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	102		112
Total commercial | Commercial and industrial | Interest Rate Reduction and Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified			15
Total commercial | Commercial and industrial | Other
Financing Receivable [Line Items]
Amortized cost basis, modified	67	87	97	91
Total commercial | Commercial real estate
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 538	$ 288	$ 952	$ 553
% of Loan Class	1.52%	0.80%	2.68%	1.54%
Total commercial | Commercial real estate | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 454	$ 228	$ 779	$ 493
Total commercial | Commercial real estate | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified			25
Total commercial | Commercial real estate | Payment Delay and Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	84		148
Total commercial | Commercial real estate | Other
Financing Receivable [Line Items]
Amortized cost basis, modified		60		60
Total consumer
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 70	$ 69	$ 127	$ 126
% of Loan Class	0.07%	0.07%	0.13%	0.12%
Total consumer | Interest Rate Reduction
Financing Receivable [Line Items]
Amortized cost basis, modified		$ 1		$ 1
Total consumer | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 1	1	$ 3	2
Total consumer | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	35	38	63	76
Total consumer | Repayment Plan
Financing Receivable [Line Items]
Amortized cost basis, modified	22	21	42	36
Total consumer | Interest Rate Reduction and Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	1	1	1	2
Total consumer | Other
Financing Receivable [Line Items]
Amortized cost basis, modified	11	7	18	9
Total consumer | Residential real estate
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 36	$ 39	$ 64	$ 78
% of Loan Class	0.08%	0.08%	0.14%	0.17%
Total consumer | Residential real estate | Interest Rate Reduction
Financing Receivable [Line Items]
Amortized cost basis, modified		$ 1		$ 1
Total consumer | Residential real estate | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 30	35	$ 55	72
Total consumer | Residential real estate | Interest Rate Reduction and Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	1	1	1	2
Total consumer | Residential real estate | Other
Financing Receivable [Line Items]
Amortized cost basis, modified	5	2	8	3
Total consumer | Home equity
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 12	$ 10	$ 20	$ 15
% of Loan Class	0.05%	0.04%	0.08%	0.06%
Total consumer | Home equity | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 5	$ 3	$ 8	$ 4
Total consumer | Home equity | Repayment Plan
Financing Receivable [Line Items]
Amortized cost basis, modified	1	2	2	5
Total consumer | Home equity | Interest Rate Reduction and Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified
Total consumer | Home equity | Other
Financing Receivable [Line Items]
Amortized cost basis, modified	6	5	10	6
Total consumer | Credit card
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 21	$ 18	$ 39	$ 30
% of Loan Class	0.31%	0.25%	0.57%	0.42%
Total consumer | Credit card | Repayment Plan
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 21	$ 18	$ 39	$ 30
Total consumer | Education
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 1	$ 1	$ 3	$ 2
% of Loan Class	0.06%	0.05%	0.17%	0.10%
Total consumer | Education | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 1	$ 1	$ 3	$ 2
Total consumer | Other consumer
Financing Receivable [Line Items]
Amortized cost basis, modified		$ 1	$ 1	$ 1
% of Loan Class		0.02%	0.02%	0.02%
Total consumer | Other consumer | Repayment Plan
Financing Receivable [Line Items]
Amortized cost basis, modified		$ 1	$ 1	$ 1

Loans and Related Allowance _10

Loans and Related Allowance for Credit Losses (Financial Effect of Loan Modification) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 1,326	$ 869	$ 2,233	$ 1,275
Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	827	595	1,502	927
Interest Rate Reduction
Financing Receivable [Line Items]
Amortized cost basis, modified	18	1	18	1
Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	129	97	171	148
Principal Forgiveness
Financing Receivable [Line Items]
Amortized cost basis, modified				1
Commercial and industrial | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 539	$ 366	$ 941	$ 432
Weighted average extended contract term	15 months	9 months	14 months	10 months
Commercial and industrial | Interest Rate Reduction
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 120		$ 145
Weighted average interest rate reduction	1.12%		1.64%
Commercial and industrial | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 159	$ 59	$ 207	$ 72
Weighted average payment deferral term	5 months	10 months	7 months	6 months
Commercial and industrial | Principal Forgiveness
Financing Receivable [Line Items]
Amortized cost basis, modified				$ 1
Principal balance forgiven				2
Commercial real estate | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 538	$ 228	$ 927	$ 493
Weighted average extended contract term	14 months	20 months	14 months	17 months
Commercial real estate | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 84		$ 173
Weighted average payment deferral term	23 months		9 months
Residential real estate | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 1	$ 1	$ 1	$ 2
Weighted average extended contract term	105 months	123 months	98 months	111 months
Residential real estate | Interest Rate Reduction
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 1	$ 2	$ 1	$ 3
Weighted average interest rate reduction	1.30%	1.17%	1.15%	1.34%
Residential real estate | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 30	$ 35	$ 55	$ 72
Weighted average payment deferral term	10 months	8 months	9 months	8 months
Home equity | Payment Delay
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 5	$ 3	$ 8	$ 4
Weighted average payment deferral term	5 months	3 months	4 months	4 months
Education | Term Extension
Financing Receivable [Line Items]
Amortized cost basis, modified	$ 1	$ 1	$ 3	$ 2
Weighted average extended contract term	16 months	19 months	12 months	17 months

Loans and Related Allowance _11

Loans and Related Allowance for Credit Losses (Aging Analysis) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable [Line Items]
Financing receivable, aging analysis	$ 3,171	$ 1,275
Current or Less Than 30 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	2,360	1,037
30-59 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	6	3
60-89 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	12	7
90 Days or More Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	8	5
Nonperforming Loans
Financing Receivable [Line Items]
Financing receivable, aging analysis	785	223
Total commercial
Financing Receivable [Line Items]
Financing receivable, aging analysis	2,973	1,149
Total commercial | Current or Less Than 30 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	2,296	1,014
Total commercial | 30-59 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	1
Total commercial | 60-89 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	8	4
Total commercial | 90 Days or More Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis		1
Total commercial | Nonperforming Loans
Financing Receivable [Line Items]
Financing receivable, aging analysis	668	130
Total commercial | Commercial and industrial
Financing Receivable [Line Items]
Financing receivable, aging analysis	1,562	596
Total commercial | Commercial and industrial | Current or Less Than 30 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	1,318	494
Total commercial | Commercial and industrial | 30-59 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	1
Total commercial | Commercial and industrial | 60-89 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	8	4
Total commercial | Commercial and industrial | 90 Days or More Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis		1
Total commercial | Commercial and industrial | Nonperforming Loans
Financing Receivable [Line Items]
Financing receivable, aging analysis	235	97
Total commercial | Commercial real estate
Financing Receivable [Line Items]
Financing receivable, aging analysis	1,411	553
Total commercial | Commercial real estate | Current or Less Than 30 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	978	520
Total commercial | Commercial real estate | Nonperforming Loans
Financing Receivable [Line Items]
Financing receivable, aging analysis	433	33
Total consumer
Financing Receivable [Line Items]
Financing receivable, aging analysis	198	126
Total consumer | Current or Less Than 30 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	64	23
Total consumer | 30-59 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	5	3
Total consumer | 60-89 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	4	3
Total consumer | 90 Days or More Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	8	4
Total consumer | Nonperforming Loans
Financing Receivable [Line Items]
Financing receivable, aging analysis	117	93
Total consumer | Residential real estate
Financing Receivable [Line Items]
Financing receivable, aging analysis	97	78
Total consumer | Residential real estate | Current or Less Than 30 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	9	1
Total consumer | Residential real estate | 30-59 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	1
Total consumer | Residential real estate | 60-89 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis
Total consumer | Residential real estate | 90 Days or More Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	1
Total consumer | Residential real estate | Nonperforming Loans
Financing Receivable [Line Items]
Financing receivable, aging analysis	86	77
Total consumer | Home equity
Financing Receivable [Line Items]
Financing receivable, aging analysis	32	15
Total consumer | Home equity | Current or Less Than 30 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	3
Total consumer | Home equity | 90 Days or More Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis
Total consumer | Home equity | Nonperforming Loans
Financing Receivable [Line Items]
Financing receivable, aging analysis	29	15
Total consumer | Credit card
Financing Receivable [Line Items]
Financing receivable, aging analysis	61	30
Total consumer | Credit card | Current or Less Than 30 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	45	20
Total consumer | Credit card | 30-59 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	4	3
Total consumer | Credit card | 60-89 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	4	3
Total consumer | Credit card | 90 Days or More Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	7	4
Total consumer | Credit card | Nonperforming Loans
Financing Receivable [Line Items]
Financing receivable, aging analysis	1
Total consumer | Education
Financing Receivable [Line Items]
Financing receivable, aging analysis	6	2
Total consumer | Education | Current or Less Than 30 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	6	2
Total consumer | Education | 30-59 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis
Total consumer | Education | 90 Days or More Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis
Total consumer | Other consumer
Financing Receivable [Line Items]
Financing receivable, aging analysis	2	1
Total consumer | Other consumer | Current or Less Than 30 Days Past Due
Financing Receivable [Line Items]
Financing receivable, aging analysis	1
Total consumer | Other consumer | Nonperforming Loans
Financing Receivable [Line Items]
Financing receivable, aging analysis	$ 1	$ 1

Loans and Related Allowance _12

Loans and Related Allowance for Credit Losses - Subsequently Defaulted FDM (Details) - USD ($) $ in Millions	3 Months Ended	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024
Financing Receivable [Line Items]
Subsequently default	$ 102	$ 150
Term Extension
Financing Receivable [Line Items]
Subsequently default	14	27
Payment Delay
Financing Receivable [Line Items]
Subsequently default	40	62
Repayment Plan
Financing Receivable [Line Items]
Subsequently default	7	17
Payment Delay and Term Extension
Financing Receivable [Line Items]
Subsequently default	37	37
Other
Financing Receivable [Line Items]
Subsequently default	4	7
Total commercial
Financing Receivable [Line Items]
Subsequently default	84	106
Total commercial | Term Extension
Financing Receivable [Line Items]
Subsequently default	14	27
Total commercial | Payment Delay
Financing Receivable [Line Items]
Subsequently default	33	42
Total commercial | Payment Delay and Term Extension
Financing Receivable [Line Items]
Subsequently default	37	37
Total commercial | Commercial and industrial
Financing Receivable [Line Items]
Subsequently default	15	35
Total commercial | Commercial and industrial | Term Extension
Financing Receivable [Line Items]
Subsequently default	14	26
Total commercial | Commercial and industrial | Payment Delay
Financing Receivable [Line Items]
Subsequently default	1	9
Total commercial | Commercial real estate
Financing Receivable [Line Items]
Subsequently default	69	71
Total commercial | Commercial real estate | Term Extension
Financing Receivable [Line Items]
Subsequently default		1
Total commercial | Commercial real estate | Payment Delay
Financing Receivable [Line Items]
Subsequently default	32	33
Total commercial | Commercial real estate | Payment Delay and Term Extension
Financing Receivable [Line Items]
Subsequently default	37	37
Total consumer
Financing Receivable [Line Items]
Subsequently default	18	44
Total consumer | Payment Delay
Financing Receivable [Line Items]
Subsequently default	7	20
Total consumer | Repayment Plan
Financing Receivable [Line Items]
Subsequently default	7	17
Total consumer | Other
Financing Receivable [Line Items]
Subsequently default	4	7
Total consumer | Residential real estate
Financing Receivable [Line Items]
Subsequently default	7	21
Total consumer | Residential real estate | Payment Delay
Financing Receivable [Line Items]
Subsequently default	6	19
Total consumer | Residential real estate | Other
Financing Receivable [Line Items]
Subsequently default	1	2
Total consumer | Home equity
Financing Receivable [Line Items]
Subsequently default	4	7
Total consumer | Home equity | Payment Delay
Financing Receivable [Line Items]
Subsequently default	1	1
Total consumer | Home equity | Repayment Plan
Financing Receivable [Line Items]
Subsequently default		1
Total consumer | Home equity | Other
Financing Receivable [Line Items]
Subsequently default	3	5
Total consumer | Credit card
Financing Receivable [Line Items]
Subsequently default	7	16
Total consumer | Credit card | Repayment Plan
Financing Receivable [Line Items]
Subsequently default	$ 7	$ 16

Loans and Related Allowance _13

Loans and Related Allowance for Credit Losses (Rollforward of Allowance for Credit Losses of Loans and Leases) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 4,693	$ 4,741	$ 4,791	$ 4,741	$ 4,741
Charge-offs	(375)	(293)	(705)	(575)
Recoveries	113	99	200	186
Net (charge-offs)	(262)	(194)	(505)	(389)
Provision for (recapture of) credit losses	204	189	351	418
Other	1	1	(1)	2
Ending balance	4,636	4,737	4,636	4,737	4,791
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	672	672	663	694	694
Provision for (recapture of) credit losses	45	(9)	54	(31)
Ending balance	717	663	717	663	663
Allowance for credit loss	5,353	5,400	5,353	5,400	5,500
Allowances for investment securities and other financial assets	112	171	112	171
Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance				(35)	(35)
Cumulative Effect, Period of Adoption, Adjusted Balance
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	4,693	4,741	4,791	4,706	4,706
Ending balance					4,791
Total commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	3,217	3,046	3,259	3,114	3,114
Charge-offs	(198)	(135)	(346)	(255)	(442)
Recoveries	52	36	75	61
Net (charge-offs)	(146)	(99)	(271)	(194)
Provision for (recapture of) credit losses	172	195	257	220
Other			(2)	2
Ending balance	3,243	3,142	3,243	3,142	3,259
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	528	560	545	613	613
Provision for (recapture of) credit losses	53	(5)	36	(58)
Ending balance	581	555	581	555	545
Allowance for credit loss	3,824	3,697	3,824	3,697
Total commercial | Cumulative Effect, Period of Adoption, Adjusted Balance
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	3,217	3,046	3,259	3,114	3,114
Ending balance					3,259
Total consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,476	1,695	1,532	1,627	1,627
Charge-offs	(177)	(158)	(359)	(320)
Recoveries	61	63	125	125
Net (charge-offs)	(116)	(95)	(234)	(195)
Provision for (recapture of) credit losses	32	(6)	94	198
Other	1	1	1
Ending balance	1,393	1,595	1,393	1,595	1,532
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	144	112	118	81	81
Provision for (recapture of) credit losses	(8)	(4)	18	27
Ending balance	136	108	136	108	118
Allowance for credit loss	1,529	1,703	1,529	1,703
Total consumer | Cumulative Effect, Period of Adoption, Adjusted Balance
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 1,476	$ 1,695	$ 1,532	$ 1,592	1,592
Ending balance					$ 1,532

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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Residential mortgage loans held for sale
Sales of loans and related securitization activity	$ 703	$ 655	$ 1,228	$ 1,171
Repurchases of previously transferred loans	18	22	41	51
Cash flows from servicing fees	138	127	277	255
Cash flows from servicing advances recovered/(funded), net	17	11	40	39
Cash flows from mortgage-backed securities held	978	695	1,820	1,298
Cash flows on carrying value of mortgage-backed securities held	18,900	21,200	18,900	21,200	$ 20,400
Commercial mortgage loans held for sale
Sales of loans and related securitization activity	344	1,202	667	2,156
Repurchases of previously transferred loans			9	9
Cash flows from servicing fees	52	49	99	95
Cash flows from servicing advances recovered/(funded), net	(41)	(15)	(17)	(64)
Cash flows from mortgage-backed securities held	27	$ 18	101	$ 30
Cash flows on carrying value of mortgage-backed securities held	$ 700		$ 700

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	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Residential mortgage loans held for sale
Total principal balance	$ 38,132		$ 39,016
Delinquent loans	281		329
Net charge-offs	1	$ 2
Commercial mortgage loans held for sale
Total principal balance	55,099		57,492
Delinquent loans	107		$ 89
Net charge-offs	$ 61	$ 4

Loan Sale and Servicing Activ_5

Loan Sale and Servicing Activities and Variable Interest Entities (Non-Consolidated VIEs) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
PNC Risk of Loss	$ 25,118	$ 26,160
Carrying Value of Assets	556,519	561,580
Carrying Value of Liabilities	503,838	510,439
Variable Interest Entity, Primary Beneficiary
Carrying Value of Assets	25,011	26,084
Carrying Value of Liabilities	2,072	2,119
Investment, proportional amortization method, elected, amount	3,300	3,000
Amount of New Markets Tax Credit	200	200
Investment program, proportional amortization method, elected, commitment	1,800	1,600
New Markets Tax Credit liability	100	200
Variable Interest Entity, Primary Beneficiary | Mortgage-Backed Securitizations
PNC Risk of Loss	20,081	21,451
Carrying Value of Assets	20,085	21,453
Carrying Value of Liabilities
Variable Interest Entity, Primary Beneficiary | Tax Credit Investments And Other
PNC Risk of Loss	5,037	4,709
Carrying Value of Assets	4,926	4,631
Carrying Value of Liabilities	$ 2,072	$ 2,119

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) - Variable Interest Entity, Primary Beneficiary - USD ($) $ in Billions	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Investment Program, Proportional Amortization Method, Applied, Amortization Expense	$ 0.2	$ 0.2
Low Income Housing Tax Credit And Market Tax Credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Tax credits	0.2	0.2
Other tax benefits	$ 0.1	$ 0.1

Goodwill Mortgage Servicing Rig

Goodwill Mortgage Servicing Rights (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Mortgage servicing rights	$ 3,739		$ 3,739		$ 3,686
Fees from mortgage and other loan servicing	$ 200	$ 200	$ 400	$ 400

Goodwill and Mortgage Servici_3

Goodwill and Mortgage Servicing Rights (Mortgage Servicing Rights) (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Servicing Asset at Fair Value, Amount [Roll Forward]
Mortgage servicing rights, beginning balance	$ 3,686
Mortgage servicing rights, ending balance	3,739
Mortgage Servicing Rights | Commercial real estate
Servicing Asset at Fair Value, Amount [Roll Forward]
Mortgage servicing rights, beginning balance	1,032	$ 1,113
Mortgage servicing rights, ending balance	1,082	1,106
Unpaid principal balance of loans serviced for others at end of period	288,746	280,023
Servicing advances	578	485
Mortgage Servicing Rights | Commercial real estate | Time and Payoffs
Servicing Asset at Fair Value, Amount [Roll Forward]
Changes in Fair Value	(157)	(164)
Mortgage Servicing Rights | Commercial real estate | Other
Servicing Asset at Fair Value, Amount [Roll Forward]
Changes in Fair Value	172	108
Mortgage Servicing Rights | Commercial real estate | From loans sold with servicing retained
Servicing Asset at Fair Value, Amount [Roll Forward]
Additions	11	32
Mortgage Servicing Rights | Commercial real estate | Purchases
Servicing Asset at Fair Value, Amount [Roll Forward]
Additions	24	17
Mortgage Servicing Rights | Residential mortgage loans held for sale
Servicing Asset at Fair Value, Amount [Roll Forward]
Mortgage servicing rights, beginning balance	2,654	2,310
Mortgage servicing rights, ending balance	2,657	2,349
Unpaid principal balance of loans serviced for others at end of period	203,543	191,274
Servicing advances	132	126
Mortgage Servicing Rights | Residential mortgage loans held for sale | Time and Payoffs
Servicing Asset at Fair Value, Amount [Roll Forward]
Changes in Fair Value	(126)	(113)
Mortgage Servicing Rights | Residential mortgage loans held for sale | Other
Servicing Asset at Fair Value, Amount [Roll Forward]
Changes in Fair Value	88	33
Mortgage Servicing Rights | Residential mortgage loans held for sale | From loans sold with servicing retained
Servicing Asset at Fair Value, Amount [Roll Forward]
Additions	12	10
Mortgage Servicing Rights | Residential mortgage loans held for sale | Purchases
Servicing Asset at Fair Value, Amount [Roll Forward]
Additions	$ 29	$ 109

Goodwill Mortgage Servicing R_2

Goodwill Mortgage Servicing Rights (Commercial and Residential Mortgage Servicing Rights - Key Valuation Assumptions) (Details) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
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	$ 3,739	$ 3,686
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	$ 1,082	$ 1,032	$ 1,106	$ 1,113
Weighted-average life (years)	3 years 10 months 24 days	3 years 10 months 24 days
Decline in fair value from 10% adverse change in prepayment rate	$ 9	$ 9
Decline in fair value from 20% adverse change in prepayment rate	16	17
Decline in fair value from 10% adverse change in interest rate	32	31
Decline in fair value from 20% adverse change in interest rate	64	61
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	$ 2,657	$ 2,654	$ 2,349	$ 2,310
Weighted-average life (years)	8 years 1 month 6 days	8 years 1 month 6 days
Decline in fair value from 10% adverse change in prepayment rate	$ 57	$ 60
Decline in fair value from 20% adverse change in prepayment rate	$ 110	$ 117
Weighted-average option adjusted spread	7.64%	7.65%
Decline in fair value from 10% adverse change in adjusted spread	$ 82	$ 83
Decline in fair value from 20% adverse change in adjusted spread	$ 160	$ 161
Mortgage Servicing Rights | 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	0.0530	0.0551
Mortgage Servicing Rights | 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	0.0625	0.0642
Mortgage Servicing Rights | 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	0.0998	0.0964

Leases (Details)

Leases (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Leases [Abstract]
Sales-type and direct financing leases	$ 88	$ 73	$ 172	$ 143
Operating leases	5	15	11	31
Lease income	$ 93	$ 88	$ 183	$ 174

Borrowed Funds (Remaining Matur

Borrowed Funds (Remaining Maturity) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Debt Disclosure [Abstract]
Less than 1 year	$ 28,984
1 to 2 years	13,638
2 to 3 years	4,566
3 to 4 years	4,065
4 to 5 years	6,015
Over 5 years	14,123
Total	$ 71,391	$ 72,737

Borrowed Funds (Narrative) (Det

Borrowed Funds (Narrative) (Details) $ in Millions	Jun. 30, 2024 USD ($)
Parent Company | Senior debt
Debt Instrument [Line Items]
Basis adjustments - Fair value accounting hedges	$ (766)
Parent Company | Subordinated debt
Debt Instrument [Line Items]
Basis adjustments - Fair value accounting hedges	(68)
Subsidiaries | Senior debt
Debt Instrument [Line Items]
Basis adjustments - Fair value accounting hedges	(151)
Subsidiaries | Subordinated debt
Debt Instrument [Line Items]
Basis adjustments - Fair value accounting hedges	$ (187)

Borrowed Funds (FHLB Borrowings

Borrowed Funds (FHLB Borrowings, Senior Debt and Subordinated Debt) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Total FHLB, Senior and Sub Debt	$ 68,679	$ 69,711
Parent Company
Debt Instrument [Line Items]
Borrowed funds	25,963	23,971
Parent Company | Senior debt
Debt Instrument [Line Items]
Borrowed funds	$ 24,979	22,221
Parent Company | Senior debt | Minimum
Debt Instrument [Line Items]
Interest rate	1.15%
Parent Company | Senior debt | Maximum
Debt Instrument [Line Items]
Interest rate	6.88%
Parent Company | Subordinated debt
Debt Instrument [Line Items]
Interest rate	4.63%
Borrowed funds	$ 778	1,544
Parent Company | Junior subordinated debt
Debt Instrument [Line Items]
Interest rate	6.18%
Borrowed funds	$ 206	206
Subsidiaries
Debt Instrument [Line Items]
Borrowed funds	42,716	45,740
Subsidiaries | Senior debt
Debt Instrument [Line Items]
Borrowed funds	$ 4,622	4,615
Subsidiaries | Senior debt | Minimum
Debt Instrument [Line Items]
Interest rate	2.50%
Subsidiaries | Senior debt | Maximum
Debt Instrument [Line Items]
Interest rate	6.07%
Subsidiaries | Subordinated debt
Debt Instrument [Line Items]
Borrowed funds	$ 3,094	3,125
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	$ 35,000	$ 38,000
Subsidiaries | FHLB | Minimum
Debt Instrument [Line Items]
Interest rate	5.53%
Subsidiaries | FHLB | Maximum
Debt Instrument [Line Items]
Interest rate	5.93%

Commitments (Other Commitments)

Commitments (Other Commitments) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Other Commitments [Line Items]
Commitments	$ 285,786	$ 284,768
Liability Related To Investments In Low Income Housing Tax Credits	2,100	2,100
Commitments to extend credit
Other Commitments [Line Items]
Commitments	268,862	268,391
Commitments to extend credit | Commercial
Other Commitments [Line Items]
Commitments	202,054	203,080
Commitments to extend credit | Home equity
Other Commitments [Line Items]
Commitments	24,102	23,970
Commitments to extend credit | Credit card
Other Commitments [Line Items]
Commitments	35,249	33,978
Commitments to extend credit | Other
Other Commitments [Line Items]
Commitments	7,457	7,363
Standby letters of credit
Other Commitments [Line Items]
Commitments	10,680	10,913
Standby letters of credit | Remarketing Programs
Other Commitments [Line Items]
Commitments	3,600	3,900
Standby bond purchase agreements
Other Commitments [Line Items]
Commitments	1,167	1,078
Other commitments
Other Commitments [Line Items]
Commitments	$ 5,077	$ 4,386

Commitments (Narrative) (Detail

Commitments (Narrative) (Details) $ in Billions	6 Months Ended
	Jun. 30, 2024 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	97%
Standby letters of credit - Assets securing certain specifically identified standby letters of credit	$ 1
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, shares in Thousands, $ in Millions		3 Months Ended		6 Months Ended
	Feb. 07, 2023 $ / shares shares	Jun. 30, 2024 USD ($) shares	Jun. 30, 2023 USD ($) shares	Jun. 30, 2024 USD ($) shares	Jun. 30, 2023 USD ($) shares	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance		$ 51,374	$ 49,074	$ 51,141	$ 45,812
Net income		1,477	1,500	2,821	3,194
Other comprehensive income (loss), net of tax		596	(417)	266	647
Cash dividends declared - Common		(623)	(606)	(1,247)	(1,213)
Cash dividends declared - Preferred		(95)	(127)	(176)	(195)
Preferred stock discount accretion
Preferred stock issuance					1,487
Common stock activity		16	17	16	17
Treasury stock activity		(93)	(123)	(92)	(361)
Other		29	28	(48)	(68)
Equity, Ending Balance		52,681	49,346	52,681	49,346
Preferred stock, par value		$ 0.5	$ 0.5	$ 0.5	0.5	$ 0.5	$ 0.5	$ 0.5	$ 0.5
Series W
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock activity (shares) | shares	1,500
Depositary shares conversion ratio	0.01
Fixed interest rate	6.25%
Preferred stock, par or stated value per share (in dollars per share) | $ / shares	$ 1
Cumulative Effect, Period of Adoption, Adjustment
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance					26
Cumulative Effect, Period of Adoption, Adjusted Balance
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance					$ 45,838
Common Stock
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning Balance (in shares) | shares		398,000	399,000	398,000	401,000
Equity, Beginning Balance		$ 2,716	$ 2,714	$ 2,716	$ 2,714
Common stock activity			$ 1		$ 1
Treasury stock activity, shares | shares			(1,000)		(3,000)
Ending Balance, (in shares) | shares		398,000	398,000	398,000	398,000
Equity, Ending Balance		$ 2,716	$ 2,715	$ 2,716	$ 2,715
Common Stock | Cumulative Effect, Period of Adoption, Adjusted Balance
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Beginning Balance (in shares) | shares					401,000
Equity, Beginning Balance					$ 2,714
Capital Surplus - Preferred Stock
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance		6,243	7,235	6,241	5,746
Preferred stock discount accretion		2	2	4	4
Preferred stock issuance					1,487
Equity, Ending Balance		6,245	7,237	6,245	7,237
Capital Surplus - Preferred Stock | Cumulative Effect, Period of Adoption, Adjusted Balance
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance					5,746
Capital Surplus - Common Stock and Other
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance		12,789	12,629	12,779	12,630
Common stock activity		16	16	16	16
Treasury stock activity		6	3	77	73
Other		42	49	(19)	(22)
Equity, Ending Balance		12,853	12,697	12,853	12,697
Capital Surplus - Common Stock and Other | Cumulative Effect, Period of Adoption, Adjusted Balance
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance					12,630
Retained Earnings
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance		56,913	54,598	56,290	53,572
Net income		1,459	1,483	2,789	3,160
Cash dividends declared - Common		(623)	(606)	(1,247)	(1,213)
Cash dividends declared - Preferred		(95)	(127)	(176)	(195)
Preferred stock discount accretion		(2)	(2)	(4)	(4)
Equity, Ending Balance		57,652	55,346	57,652	55,346
Retained Earnings | Cumulative Effect, Period of Adoption, Adjustment
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance					26
Retained Earnings | Cumulative Effect, Period of Adoption, Adjusted Balance
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance					53,598
Accumulated Other Comprehensive Income (Loss)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance		(8,042)	(9,108)	(7,712)	(10,172)
Other comprehensive income (loss), net of tax		596	(417)	266	647
Equity, Ending Balance		(7,446)	(9,525)	(7,446)	(9,525)
Accumulated Other Comprehensive Income (Loss) | Cumulative Effect, Period of Adoption, Adjusted Balance
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance					(10,172)
Treasury Stock
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance		(19,279)	(19,024)	(19,209)	(18,716)
Treasury stock activity		(99)	(126)	(169)	(434)
Equity, Ending Balance		(19,378)	(19,150)	(19,378)	(19,150)
Treasury Stock | Cumulative Effect, Period of Adoption, Adjusted Balance
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance					(18,716)
Non- controlling Interests
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance		34	30	36	38
Net income		18	17	32	34
Other		(13)	(21)	(29)	(46)
Equity, Ending Balance		$ 39	$ 26	$ 39	26
Non- controlling Interests | Cumulative Effect, Period of Adoption, Adjusted Balance
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Equity, Beginning Balance					$ 38

Total Equity and Other Compre_4

Total Equity and Other Comprehensive Income (Other Comprehensive Income) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Pre-tax
Other comprehensive income (loss), before tax and net of reclassifications into Net income	$ 784	$ (548)	$ 351	$ 842
Tax effect
Total other comprehensive income (loss)	(188)	131	(85)	(195)
After-tax
Other comprehensive income (loss), after tax and net of reclassifications into Net income	596	(417)	266	647
Debt securities
Pre-tax
Net unrealized gains (losses)	(216)	(476)	(611)	178
Less: Net realized gains (losses) reclassified to earnings	(691)	(235)	(907)	(450)
Other comprehensive income (loss), before tax and net of reclassifications into Net income	475	(241)	296	628
Tax effect
Net unrealized gains (losses)	52	112	147	(42)
Less: Net realized gains (losses) reclassified to earnings	166	55	218	106
Total other comprehensive income (loss)	(114)	57	(71)	(148)
After-tax
Net unrealized gains (losses)	(164)	(364)	(464)	136
Less: Net realized gains (losses) reclassified to earnings	(525)	(180)	(689)	(344)
Other comprehensive income (loss), after tax and net of reclassifications into Net income	361	(184)	225	480
Cash flow hedge derivatives
Pre-tax
Net unrealized gains (losses)	(75)	(689)	(701)	(492)
Less: Net realized gains (losses) reclassified to earnings	(383)	(373)	(759)	(703)
Other comprehensive income (loss), before tax and net of reclassifications into Net income	308	(316)	58	211
Tax effect
Net unrealized gains (losses)	18	162	168	116
Less: Net realized gains (losses) reclassified to earnings	92	88	182	166
Total other comprehensive income (loss)	(74)	74	(14)	(50)
After-tax
Net unrealized gains (losses)	(57)	(527)	(533)	(376)
Less: Net realized gains (losses) reclassified to earnings	(291)	(285)	(577)	(537)
Other comprehensive income (loss), after tax and net of reclassifications into Net income	234	(242)	44	161
Pension and  other postretirement benefit plan adjustments
Pre-tax
Less: Net realized gains (losses) reclassified to earnings	1	6	(1)	(4)
Other comprehensive income (loss), before tax and net of reclassifications into Net income	1	6	(1)	(4)
Tax effect
Less: Net realized gains (losses) reclassified to earnings		(1)		1
Total other comprehensive income (loss)		(1)		1
After-tax
Less: Net realized gains (losses) reclassified to earnings	1	5	(1)	(3)
Other comprehensive income (loss), after tax and net of reclassifications into Net income	1	5	(1)	(3)
Other
Pre-tax
Less: Net realized gains (losses) reclassified to earnings		3	(2)	7
Other comprehensive income (loss), before tax and net of reclassifications into Net income		3	(2)	7
Tax effect
Less: Net realized gains (losses) reclassified to earnings		1		2
Total other comprehensive income (loss)		1		2
After-tax
Less: Net realized gains (losses) reclassified to earnings		4	(2)	9
Other comprehensive income (loss), after tax and net of reclassifications into Net income		$ 4	$ (2)	$ 9

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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	$ 51,374	$ 49,074	$ 51,141	$ 45,812
Other comprehensive income (loss), net of tax	596	(417)	266	647
Equity, Ending Balance	52,681	49,346	52,681	49,346
Pretax loss included in AOCI from derivatives	285	301	285	301
Total
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	(8,042)	(9,108)	(7,712)	(10,172)
Other comprehensive income (loss), net of tax	596	(417)	266	647
Equity, Ending Balance	(7,446)	(9,525)	(7,446)	(9,525)
Debt securities
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	(5,966)	(6,500)	(5,830)	(7,164)
Other comprehensive income (loss), net of tax	361	(184)	225	480
Equity, Ending Balance	(5,605)	(6,684)	(5,605)	(6,684)
Cash flow hedge derivatives
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	(1,903)	(2,302)	(1,713)	(2,705)
Other comprehensive income (loss), net of tax	234	(242)	44	161
Equity, Ending Balance	(1,669)	(2,544)	(1,669)	(2,544)
Pension and  other postretirement benefit plan adjustments
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	(127)	(259)	(125)	(251)
Other comprehensive income (loss), net of tax	1	5	(1)	(3)
Equity, Ending Balance	(126)	(254)	(126)	(254)
Other
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Equity, Beginning Balance	(46)	(47)	(44)	(52)
Other comprehensive income (loss), net of tax		4	(2)	9
Equity, Ending Balance	$ (46)	$ (43)	$ (46)	$ (43)

Total Equity and Other Compre_6

Total Equity and Other Comprehensive Income (Dividends Per Share) (Details) - $ / shares		3 Months Ended		6 Months Ended
	Jul. 02, 2024	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Class of Stock [Line Items]
Cash dividends declared, common, per share (in dollars per share)		$ 1.55	$ 1.50	$ 3.10	$ 3
Subsequent Event
Class of Stock [Line Items]
Cash dividends declared, common, per share (in dollars per share)	$ 1.60
Series B
Class of Stock [Line Items]
Cash dividends declared, preferred, per share (in dollars per share)		0.45	0.45	0.90	0.90
Series O
Class of Stock [Line Items]
Cash dividends declared, preferred, per share (in dollars per share)			2,100		4,174
Series R
Class of Stock [Line Items]
Cash dividends declared, preferred, per share (in dollars per share)		2,209	2,425	4,403	2,425
Series S
Class of Stock [Line Items]
Cash dividends declared, preferred, per share (in dollars per share)		2,500	2,500	2,500	2,500
Series T
Class of Stock [Line Items]
Cash dividends declared, preferred, per share (in dollars per share)		850	850	1,700	1,700
Series U
Class of Stock [Line Items]
Cash dividends declared, preferred, per share (in dollars per share)		1,500	1,500	3,000	3,000
Series V
Class of Stock [Line Items]
Cash dividends declared, preferred, per share (in dollars per share)		1,550	1,550	3,100	3,100
Series W
Class of Stock [Line Items]
Cash dividends declared, preferred, per share (in dollars per share)		$ 1,562	$ 2,222	$ 3,125	$ 2,222

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Earnings Per Share [Abstract]
Net income	$ 1,477	$ 1,500	$ 2,821	$ 3,194
Less:
Net income attributable to noncontrolling interests	18	17	32	34
Preferred stock dividends	95	127	176	195
Preferred stock discount accretion and redemptions	2	2	4	4
Net income attributable to common shareholders	1,362	1,354	2,609	2,961
Less: Dividends and undistributed earnings allocated to nonvested restricted shares	7	7	14	15
Net income attributable to basic common shareholders	$ 1,355	$ 1,347	$ 2,595	$ 2,946
Basic weighted-average common shares outstanding (in shares)	400	401	400	401
Basic earnings per share common (in dollars per share)	$ 3.39	$ 3.36	$ 6.49	$ 7.35
Net income attributable to diluted common shareholders	$ 1,355	$ 1,347	$ 2,595	$ 2,946
Dilutive potential common shares (in shares)
Diluted weighted-average common shares outstanding (in shares)	400	401	400	401
Diluted earnings per common share (in dollars per share)	$ 3.39	$ 3.36	$ 6.48	$ 7.34

Fair Value (Recurring Fair Valu

Fair Value (Recurring Fair Value Measurements) (Details) - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Assets
Investment securities – available for sale	$ 51,188	$ 41,785
Mortgage servicing rights	3,739	3,686
Financial derivatives	660	897
Liabilities
Financial derivatives	3,706	3,538
Other liabilities	100	$ 100
Unrealized gain on Visa C shares	$ 244
Assets At Fair Value | Assets, Total | Assets
Liabilities
Concentration risk, percentage	12%	10%
Level 3 Assets | Assets, Total | Assets
Liabilities
Concentration risk, percentage	11%	13%
Level 3 Assets | Assets | Assets
Liabilities
Concentration risk, percentage	1%	1%
Liabilities At Fair Value | Liabilities, Total | Liability
Liabilities
Concentration risk, percentage	1%	1%
Level Three Liabilities | Liabilities, Total | Liability
Liabilities
Concentration risk, percentage	5%	6%
Level Three Liabilities | Liability | Liability
Liabilities
Concentration risk, percentage	1%	1%
Fair Value, Recurring
Assets
Investment securities – available for sale	$ 51,188	$ 41,785
Loans	1,191	1,238
Equity investments	3,203	2,717
Trading securities	2,350	2,799
Financial derivatives	3,120	3,429
Other assets	568	496
Total Assets	66,296	56,862
Liabilities
Other borrowed funds	791	817
Financial derivatives	6,216	5,899
Other liabilities	194	237
Total liabilities	7,201	6,953
Level 1 | Fair Value, Recurring
Assets
Investment securities – available for sale	15,513	6,292
Equity investments	972	574
Trading securities	515	377
Financial derivatives	5	29
Other assets	431	403
Total Assets	17,436	7,675
Liabilities
Other borrowed funds	661	724
Financial derivatives	6	11
Total liabilities	667	735
Level 2 | Fair Value, Recurring
Assets
Investment securities – available for sale	34,798	34,537
Loans	490	512
Trading securities	1,835	2,422
Financial derivatives	3,103	3,394
Other assets	129	85
Total Assets	41,193	41,548
Liabilities
Other borrowed funds	121	84
Financial derivatives	6,027	5,736
Total liabilities	6,148	5,820
Level 3
Assets
Commercial mortgage loans held for sale	4	11
Equity investments	2,030	1,952
Liabilities
Financial derivatives	180	145
Level 3 | Fair Value, Recurring
Assets
Investment securities – available for sale	877	956
Loans	701	726
Equity investments	2,030	1,952
Financial derivatives	12	6
Other assets	8	8
Total Assets	7,466	7,448
Liabilities
Other borrowed funds	9	9
Financial derivatives	183	152
Other liabilities	194	237
Total liabilities	386	398
Residential mortgage loans held for sale | Fair Value, Recurring
Assets
Commercial mortgage loans held for sale	642	474
Residential mortgage loans held for sale | Level 2 | Fair Value, Recurring
Assets
Commercial mortgage loans held for sale	547	371
Residential mortgage loans held for sale | Level 3 | Fair Value, Recurring
Assets
Commercial mortgage loans held for sale	95	103
Commercial mortgage loans held for sale | Fair Value, Recurring
Assets
Commercial mortgage loans held for sale	295	238
Commercial mortgage loans held for sale | Level 2 | Fair Value, Recurring
Assets
Commercial mortgage loans held for sale	291	227
Commercial mortgage loans held for sale | Level 3 | Fair Value, Recurring
Assets
Commercial mortgage loans held for sale	4	11
U.S. Treasury and government agencies | Fair Value, Recurring
Assets
Investment securities – available for sale	16,474	6,951
U.S. Treasury and government agencies | Level 1 | Fair Value, Recurring
Assets
Investment securities – available for sale	15,513	6,292
U.S. Treasury and government agencies | Level 2 | Fair Value, Recurring
Assets
Investment securities – available for sale	961	659
Residential mortgage-backed | Mortgage-backed Securities Agency | Fair Value, Recurring
Assets
Investment securities – available for sale	27,096	27,880
Residential mortgage-backed | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale	624	696
Residential mortgage-backed | Level 2 | Mortgage-backed Securities Agency | Fair Value, Recurring
Assets
Investment securities – available for sale	27,096	27,880
Residential mortgage-backed | Level 2 | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale
Residential mortgage-backed | Level 3 | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale	624	696
Commercial mortgage servicing rights | Mortgage-backed Securities Agency | Fair Value, Recurring
Assets
Investment securities – available for sale	1,617	1,546
Commercial mortgage servicing rights | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale	797	869
Commercial mortgage servicing rights | Level 2 | Mortgage-backed Securities Agency | Fair Value, Recurring
Assets
Investment securities – available for sale	1,617	1,546
Commercial mortgage servicing rights | Level 2 | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale	694	766
Commercial mortgage servicing rights | Level 3 | Mortgage-backed Securities Non-agency | Fair Value, Recurring
Assets
Investment securities – available for sale	103	103
Asset-backed | Fair Value, Recurring
Assets
Investment securities – available for sale	2,120	1,116
Asset-backed | Level 2 | Fair Value, Recurring
Assets
Investment securities – available for sale	2,024	1,014
Asset-backed | Level 3 | Fair Value, Recurring
Assets
Investment securities – available for sale	96	102
Other | Fair Value, Recurring
Assets
Investment securities – available for sale	2,460	2,727
Other | Level 2 | Fair Value, Recurring
Assets
Investment securities – available for sale	2,406	2,672
Other | Level 3 | Fair Value, Recurring
Assets
Investment securities – available for sale	54	55
Residential mortgage servicing rights | Fair Value, Recurring
Assets
Mortgage servicing rights	2,657	2,654
Residential mortgage servicing rights | Level 3 | Fair Value, Recurring
Assets
Mortgage servicing rights	2,657	2,654
Commercial mortgage servicing rights | Fair Value, Recurring
Assets
Mortgage servicing rights	1,082	1,032
Commercial mortgage servicing rights | Level 3 | Fair Value, Recurring
Assets
Mortgage servicing rights	$ 1,082	$ 1,032

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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	$ 7,555	$ 7,142	$ 7,448	$ 7,252
Included in Earnings	128	199	315	308
Included in other comprehensive income	(6)	13	(11)
Purchases	99	211	220	393
Sales	(91)	(370)	(97)	(441)
Issuances	15	24	23	42
Settlements	(229)	(228)	(421)	(425)
Transfers into Level 3	1	8	3	21
Transfers out of Level 3	(6)	(12)	(14)	(163)
Ending Balance	7,466	6,987	7,466	6,987
Unrealized gains/losses on assets held on Consolidated Balance Sheet	118	186	303	277
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	311	331	398	421
Included in Earnings	116	110	104	173
Sales	2	1	2	3
Issuances	19	92	35	113
Settlements	(62)	(150)	(153)	(326)
Ending Balance	386	384	386	384
Unrealized gains/losses on liabilities held on Consolidated Balance Sheet	122	101	129	164
Fair Value Additional Information [Abstract]
Net gains (losses) included in earnings (realized and unrealized) relating to Level 3 assets and liabilities	12	89	211	135
Net unrealized gains (losses) relating to Level 3 assets and liabilities	(4)	85	174	113
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	98	242	103	243
Included in Earnings		(4)	(1)
Purchases	12	3	14	9
Sales	(11)	(41)	(11)	(42)
Settlements	(2)	(2)	(4)	(7)
Transfers into Level 3	1		3	3
Transfers out of Level 3	(3)	(7)	(9)	(15)
Ending Balance	95	191	95	191
Unrealized gains/losses on assets held on Consolidated Balance Sheet	(1)	(3)	(2)	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	11	32	11	33
Included in Earnings		1
Settlements	(7)	(8)	(7)	(8)
Ending Balance	4	25	4	25
Unrealized gains/losses on assets held on Consolidated Balance Sheet
Non-agency | Residential mortgage-backed
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	668		696
Included in Earnings	3		6
Included in other comprehensive income	(5)		(11)
Settlements	(42)		(67)
Ending Balance	624		624
Non-agency | Commercial mortgage-backed
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	103		103
Ending Balance	103		103
Securities available for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	924	964	956	1,001
Included in Earnings	3	5	4	9
Included in other comprehensive income	(6)	13	(11)
Purchases	3	3	3	3
Sales
Settlements	(47)	(43)	(75)	(74)
Transfers into Level 3				3
Ending Balance	877	942	877	942
Unrealized gains/losses on assets held on Consolidated Balance Sheet			(2)
Securities available for sale | Residential mortgage-backed
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance		787		819
Included in Earnings		4		8
Included in other comprehensive income		14		4
Settlements		(37)		(63)
Ending Balance		768		768
Securities available for sale | Commercial mortgage-backed
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance		3		3
Included in other comprehensive income
Ending Balance		3		3
Securities available for sale | Asset-backed
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	100	121	102	124
Included in Earnings		1		1
Included in other comprehensive income	(1)	(1)	(1)
Settlements	(3)	(4)	(5)	(8)
Ending Balance	96	117	96	117
Securities available for sale | Other
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	53	53	55	55
Included in Earnings			(2)
Included in other comprehensive income			1	(4)
Purchases	3	3	3	3
Settlements	(2)	(2)	(3)	(3)
Transfers into Level 3				3
Ending Balance	54	54	54	54
Unrealized gains/losses on assets held on Consolidated Balance Sheet			(2)
Loans
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	713	757	726	769
Included in Earnings	4	3	8	6
Included in other comprehensive income
Purchases	7	11	12	20
Sales	(2)	(1)	(2)	(1)
Settlements	(18)	(28)	(38)	(50)
Transfers into Level 3		8		15
Transfers out of Level 3	(3)	(5)	(5)	(14)
Ending Balance	701	745	701	745
Unrealized gains/losses on assets held on Consolidated Balance Sheet	4	3	8	6
Equity investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	2,030	1,835	1,952	1,778
Included in Earnings	31	24	26	145
Purchases	47	92	136	232
Sales	(78)	(328)	(84)	(398)
Transfers out of Level 3				(134)
Ending Balance	2,030	1,623	2,030	1,623
Unrealized gains/losses on assets held on Consolidated Balance Sheet	23	2	18	119
Mortgage Servicing Rights | Residential mortgage loans held for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	2,687	2,232	2,654	2,310
Included in Earnings	16	81	88	33
Purchases	16	91	29	109
Issuances	7	5	12	10
Settlements	(69)	(60)	(126)	(113)
Ending Balance	2,657	2,349	2,657	2,349
Unrealized gains/losses on assets held on Consolidated Balance Sheet	16	80	88	33
Mortgage Servicing Rights | Commercial mortgage loans held for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	1,075	1,061	1,032	1,113
Included in Earnings	65	99	172	108
Purchases	12	9	24	17
Issuances	8	19	11	32
Settlements	(78)	(82)	(157)	(164)
Ending Balance	1,082	1,106	1,082	1,106
Unrealized gains/losses on assets held on Consolidated Balance Sheet	65	100	172	108
Financial derivatives
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	9	19	6	5
Included in Earnings	9	(10)	18	7
Purchases	2	2	2	3
Settlements	(8)	(5)	(14)	(9)
Ending Balance	12	6	12	6
Unrealized gains/losses on assets held on Consolidated Balance Sheet	11	4	21	10
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	113	97	152	123
Included in Earnings	110	79	118	118
Sales	2	1	2	3
Settlements	(42)	(37)	(89)	(104)
Ending Balance	183	140	183	140
Unrealized gains/losses on liabilities held on Consolidated Balance Sheet	115	80	120	122
Other assets
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	8		8
Purchases
Ending Balance	8		8
Other borrowed funds
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	9	5	9	4
Issuances	4	3	7	6
Settlements	(4)	(3)	(7)	(5)
Ending Balance	9	5	9	5
Other liabilities
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	189	229	237	294
Included in Earnings	6	31	(14)	55
Issuances	15	89	28	107
Settlements	(16)	(110)	(57)	(217)
Ending Balance	194	239	194	239
Unrealized gains/losses on liabilities held on Consolidated Balance Sheet	$ 7	$ 21	$ 9	$ 42

Fair Value (Fair Value Measurem

Fair Value (Fair Value Measurements - Recurring Quantitative Information) (Details) $ in Millions	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities – available for sale	$ 51,188	$ 41,785
Fair value	3,739	3,686
Derivative Liability	(3,706)	(3,538)
Fair Value, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities – available for sale	51,188	41,785
Loans, fair value	1,191	1,238
Equity investments	3,203	2,717
Derivative Liability	(6,216)	(5,899)
Recurring assets - fair value	66,296	56,862
Residential mortgage-backed non-agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities – available for sale	624	696
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, fair value	4	11
Equity investments	2,030	1,952
Derivative Liability	(180)	(145)
Insignificant assets, fair value disclosure	66	22
Total recurring assets net of recurring liabilities - fair value	7,080	7,050
Level 3 | Total consumer | Residential real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, fair value	71	546
Level 3 | Total consumer | Loans - Residential real estate - Uninsured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, fair value	532	75
Level 3 | Total consumer | Home equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, fair value	82	87
Level 3 | Total consumer | Loans - Home equity - First-lien
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, fair value	16	18
Level 3 | Fair Value, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities – available for sale	877	956
Loans, fair value	701	726
Equity investments	2,030	1,952
Derivative Liability	(183)	(152)
Recurring assets - fair value	7,466	7,448
Level 3 | Residential mortgage-backed non-agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities – available for sale	624	696
Level 3 | Asset-backed
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities – available for sale	96	102
Level 3 | Residential mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	2,657	2,654
Level 3 | Commercial mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value	$ 1,082	$ 1,032
Spread over the benchmark curve | Level 3 | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.0575	0.0575
Spread over the benchmark curve | Level 3 | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.1090	0.3610
Spread over the benchmark curve | Level 3 | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.0985	0.1647
Spread over the benchmark curve | Level 3 | Residential mortgage-backed non-agency securities | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.0272	0.0285
Spread over the benchmark curve | Level 3 | Asset-backed | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.0227	0.0248
Spread over the benchmark curve | Level 3 | Residential mortgage servicing rights | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.0336	0.0337
Spread over the benchmark curve | Level 3 | Residential mortgage servicing rights | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.2338	0.1668
Spread over the benchmark curve | Level 3 | Residential mortgage servicing rights | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.0764	0.0765
Constant prepayment rate | Level 3 | Residential mortgage-backed non-agency securities | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.010	0.010
Constant prepayment rate | Level 3 | Residential mortgage-backed non-agency securities | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.279	0.279
Constant prepayment rate | Level 3 | Residential mortgage-backed non-agency securities | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.029	0.037
Constant prepayment rate | Level 3 | Asset-backed | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.010	0.010
Constant prepayment rate | Level 3 | Asset-backed | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.280	0.280
Constant prepayment rate | Level 3 | Asset-backed | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.045	0.051
Constant prepayment rate | Level 3 | Residential mortgage servicing rights | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0	0
Constant prepayment rate | Level 3 | Residential mortgage servicing rights | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.407	0.336
Constant prepayment rate | Level 3 | Residential mortgage servicing rights | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.063	0.064
Constant prepayment rate | Level 3 | Commercial mortgage servicing rights | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.051	0.053
Constant prepayment rate | Level 3 | Commercial mortgage servicing rights | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.083	0.097
Constant prepayment rate | Level 3 | Commercial mortgage servicing rights | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.053	0.055
Constant default rate | Level 3 | Residential mortgage-backed non-agency securities | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0	0
Constant default rate | Level 3 | Residential mortgage-backed non-agency securities | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.120	0.120
Constant default rate | Level 3 | Residential mortgage-backed non-agency securities | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.019	0.027
Constant default rate | Level 3 | Asset-backed | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0	0
Constant default rate | Level 3 | Asset-backed | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.081	0.043
Constant default rate | Level 3 | Asset-backed | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.016	0.017
Loss severity | Level 3 | Minimum | Total consumer | Residential real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input		0
Loss severity | Level 3 | Minimum | Total consumer | Loans - Residential real estate - Uninsured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0
Loss severity | Level 3 | Minimum | Total consumer | Loans - Home equity - First-lien
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0	0
Loss severity | Level 3 | Maximum | Total consumer | Residential real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input		1
Loss severity | Level 3 | Maximum | Total consumer | Loans - Residential real estate - Uninsured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	1
Loss severity | Level 3 | Maximum | Total consumer | Loans - Home equity - First-lien
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	1	1
Loss severity | Level 3 | Weighted Average | Total consumer | Residential real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.060	0.054
Loss severity | Level 3 | Weighted Average | Total consumer | Loans - Residential real estate - Uninsured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.051	0.060
Loss severity | Level 3 | Weighted Average | Total consumer | Loans - Home equity - First-lien
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.129	0.144
Loss severity | Level 3 | Residential mortgage-backed non-agency securities | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.100	0.100
Loss severity | Level 3 | Residential mortgage-backed non-agency securities | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.774	0.690
Loss severity | Level 3 | Residential mortgage-backed non-agency securities | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.422	0.412
Loss severity | Level 3 | Asset-backed | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.300	0.200
Loss severity | Level 3 | Asset-backed | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	1	1
Loss severity | Level 3 | Asset-backed | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities, measurement input	0.487	0.495
Cumulative default rate | Level 3 | Minimum | Total consumer | Residential real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input		0.036
Cumulative default rate | Level 3 | Minimum | Total consumer | Loans - Residential real estate - Uninsured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.036
Cumulative default rate | Level 3 | Minimum | Total consumer | Loans - Home equity - First-lien
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.036	0.036
Cumulative default rate | Level 3 | Maximum | Total consumer | Residential real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input		1
Cumulative default rate | Level 3 | Maximum | Total consumer | Loans - Residential real estate - Uninsured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	1
Cumulative default rate | Level 3 | Maximum | Total consumer | Loans - Home equity - First-lien
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	1	1
Cumulative default rate | Level 3 | Weighted Average | Total consumer | Residential real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input		0.591
Cumulative default rate | Level 3 | Weighted Average | Total consumer | Loans - Residential real estate - Uninsured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.574
Cumulative default rate | Level 3 | Weighted Average | Total consumer | Loans - Home equity - First-lien
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.586	0.609
Discount rate | Level 3 | Minimum | Total consumer | Residential real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input		0.055
Discount rate | Level 3 | Minimum | Total consumer | Loans - Residential real estate - Uninsured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.055
Discount rate | Level 3 | Minimum | Total consumer | Loans - Home equity - First-lien
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.055	0.055
Discount rate | Level 3 | Maximum | Total consumer | Residential real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input		0.075
Discount rate | Level 3 | Maximum | Total consumer | Loans - Residential real estate - Uninsured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.075
Discount rate | Level 3 | Maximum | Total consumer | Loans - Home equity - First-lien
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.075	0.075
Discount rate | Level 3 | Weighted Average | Total consumer | Residential real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.080	0.058
Discount rate | Level 3 | Weighted Average | Total consumer | Loans - Residential real estate - Uninsured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.058	0.078
Discount rate | Level 3 | Weighted Average | Total consumer | Loans - Home equity - First-lien
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.061	0.062
Discount rate | Level 3 | Commercial mortgage servicing rights | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.081	0.076
Discount rate | Level 3 | Commercial mortgage servicing rights | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.103	0.100
Discount rate | Level 3 | Commercial mortgage servicing rights | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing asset, measurement input	0.100	0.096
Credit and liquidity discount | Level 3 | Minimum | Total consumer | Home equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0	0.003
Credit and liquidity discount | Level 3 | Maximum | Total consumer | Home equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	1	1
Credit and liquidity discount | Level 3 | Weighted Average | Total consumer | Home equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financing receivable, measurement input	0.421	0.438
Multiple of earnings | Level 3 | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, measurement input	0.050	0.045
Multiple of earnings | Level 3 | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, measurement input	0.270	0.267
Multiple of earnings | Level 3 | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, measurement input	0.103	0.101
Estimated Conversion Factor | Level 3 | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liability, measurement input	1.59	1.59
Estimated Annual Growth Rate | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liability, measurement input	0.160	0.160

Fair Value (Nonrecurring Fair V

Fair Value (Nonrecurring Fair Value Measurements) (Details) - Fair Value, Nonrecurring - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	$ 980		$ 980		$ 802
Nonrecurring Assets - Gains (Losses)	(188)	$ (114)	(254)	$ (198)
Level 3 | Nonaccrual loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	769		769		578
Nonrecurring Assets - Gains (Losses)	(192)	(99)	(245)	(174)
Level 3 | Equity investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	170		170		203
Nonrecurring Assets - Gains (Losses)	8	(5)	(1)	(8)
Level 3 | Loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	25		25
Nonrecurring Assets - Gains (Losses)
Level 3 | OREO and foreclosed assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	6		6		12
Nonrecurring Assets - Gains (Losses)	(1)		(2)	(1)
Level 3 | Long-lived assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	10		10		9
Nonrecurring Assets - Gains (Losses)	(3)	$ (10)	(6)	$ (15)
Level 2 | Loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value	$ 25		$ 25
Level 1 | Equity investments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Nonrecurring Assets - Fair Value					$ 30

Fair Value (Fair Value Option -

Fair Value (Fair Value Option - Fair Value and Principal Balances) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	$ 1,191	$ 1,238
Aggregate unpaid principal balance of assets for which fair value option was elected	1,407	1,469
Fair value option aggregate difference assets	(216)	(231)
Other assets
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	129	85
Aggregate unpaid principal balance of assets for which fair value option was elected	132	69
Fair value option aggregate difference assets	(3)	16
Other borrowed funds
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value of liabilities for which fair value option was elected	32	39
Aggregate unpaid principal balance, other borrowed funds	33	40
Difference, Other borrowed funds	(1)	(1)
Other liabilities
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value of liabilities for which fair value option was elected	104	124
Difference, Other borrowed funds	104	124
Accruing loans less than 90 days past due | Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	607	507
Aggregate unpaid principal balance of assets for which fair value option was elected	646	520
Fair value option aggregate difference assets	(39)	(13)
Accruing loans 90 days or more past due | Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	119	146
Aggregate unpaid principal balance of assets for which fair value option was elected	130	156
Fair value option aggregate difference assets	(11)	(10)
Nonaccrual loans | Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	465	585
Aggregate unpaid principal balance of assets for which fair value option was elected	631	793
Fair value option aggregate difference assets	(166)	(208)
Residential mortgage loans held for sale | Loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value - assets	642	474
Aggregate unpaid principal balance of assets for which fair value option was elected	645	478
Fair value option aggregate difference assets	(3)	(4)
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	604	432
Aggregate unpaid principal balance of assets for which fair value option was elected	601	429
Fair value option aggregate difference assets	3	3
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	30	36
Aggregate unpaid principal balance of assets for which fair value option was elected	36	43
Fair value option aggregate difference assets	(6)	(7)
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	295	238
Aggregate unpaid principal balance of assets for which fair value option was elected	289	228
Fair value option aggregate difference assets	$ 6	$ 10

Fair Value (Fair Value Option_2

Fair Value (Fair Value Option - Changes in Fair Value) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Loans held for sale | Residential mortgage loans held for sale
Fair Value, Option, Quantitative Disclosures [Line Items]
Gains (losses) - FVO: changes in fair value	$ 6	$ 2	$ 14	$ 17
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	22	9	23
Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Gains (losses) - FVO: changes in fair value	6	5	12	9
Other assets
Fair Value, Option, Quantitative Disclosures [Line Items]
Gains (losses) - FVO: changes in fair value	(2)	2	3	(12)
Other liabilities
Fair Value, Option, Quantitative Disclosures [Line Items]
Gains (losses) - FVO: changes in fair value	$ (7)	$ (21)	$ (9)	$ (41)

Fair Value (Additional Fair Val

Fair Value (Additional Fair Value Information Related To Financial Instruments) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Financial Instruments, Financial Assets, Balance Sheet Groupings
Securities held to maturity	$ 82,255	$ 86,948
Carrying Amount
Financial Instruments, Financial Assets, Balance Sheet Groupings
Cash and due from banks	6,242	6,921
Interest-earning deposits with banks (a)	33,039	43,804
Securities held to maturity	87,462	90,790
Net loans (excludes leases)	309,047	308,936
Other assets	5,734	5,872
Total assets	441,524	456,323
Financial Instruments, Financial Liabilities, Balance Sheet Groupings
Time deposits	35,905	31,569
Borrowed funds	70,511	71,816
Unfunded lending related commitments	717	663
Other liabilities	1,229	1,091
Total liabilities	108,362	105,139
Fair Value
Financial Instruments, Financial Assets, Balance Sheet Groupings
Cash and due from banks	6,242	6,921
Interest-earning deposits with banks (a)	33,039	43,804
Securities held to maturity	82,255	86,948
Net loans (excludes leases)	302,613	299,645
Other assets	5,709	5,872
Total assets	429,858	443,190
Financial Instruments, Financial Liabilities, Balance Sheet Groupings
Time deposits	35,910	31,602
Borrowed funds	71,325	72,369
Unfunded lending related commitments	717	663
Other liabilities	1,229	1,091
Total liabilities	109,181	105,725
Level 1 | Fair Value
Financial Instruments, Financial Assets, Balance Sheet Groupings
Cash and due from banks	6,242	6,921
Interest-earning deposits with banks (a)	32,630	43,313
Securities held to maturity	29,716	30,943
Total assets	68,588	81,177
Level 2 | Fair Value
Financial Instruments, Financial Assets, Balance Sheet Groupings
Interest-earning deposits with banks (a)	409	491
Securities held to maturity	52,387	55,850
Other assets	5,700	5,872
Total assets	58,496	62,213
Financial Instruments, Financial Liabilities, Balance Sheet Groupings
Time deposits	35,910	31,602
Borrowed funds	70,240	71,194
Other liabilities	1,229	1,091
Total liabilities	107,379	103,887
Level 3 | Fair Value
Financial Instruments, Financial Assets, Balance Sheet Groupings
Securities held to maturity	152	155
Net loans (excludes leases)	302,613	299,645
Other assets	9
Total assets	302,774	299,800
Financial Instruments, Financial Liabilities, Balance Sheet Groupings
Borrowed funds	1,085	1,175
Unfunded lending related commitments	717	663
Total liabilities	$ 1,802	$ 1,838

Financial Derivatives (Total De

Financial Derivatives (Total Derivatives) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Derivative [Line Items]
Derivative, notional amount	$ 687,330	$ 656,051
Derivative asset, fair value	3,120	3,429
Derivative liability, fair value	6,216	5,899
Derivative asset, fair value offset amount	1,321	1,406
Derivative liability, fair value offset amount	1,321	1,406
Derivative asset, cash collateral	1,139	1,126
Derivative liability, cash collateral	1,189	955
Derivative Asset, Net	660	897
Derivative liability, net	3,706	3,538
Commodity contracts:
Derivative [Line Items]
Derivative asset, fair value	610	765
Derivative liability, fair value	586	757
Derivative asset, cash collateral	156	283
Derivative liability, cash collateral
Derivative Asset, Net	130	166
Derivative liability, net	168	425
Foreign exchange contracts and other
Derivative [Line Items]
Derivative asset, fair value	300	307
Derivative liability, fair value	389	494
Derivative asset, cash collateral	113	76
Derivative liability, cash collateral	1	13
Derivative Asset, Net	104	117
Derivative liability, net	287	292
Designated as Hedging Instruments under GAAP
Derivative [Line Items]
Derivative, notional amount	124,659	91,555
Derivative asset, fair value	218	327
Derivative liability, fair value	217	139
Designated as Hedging Instruments under GAAP | Fair value hedges | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	45,627	32,079
Designated as Hedging Instruments under GAAP | Cash flow hedges | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	52,797	33,302
Derivative asset, fair value	2
Derivative liability, fair value
Designated as Hedging Instruments under GAAP | Cash flow hedges | Other | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	25,000	25,000
Derivative asset, fair value	209	327
Derivative liability, fair value	217	137
Designated as Hedging Instruments under GAAP | Net investment hedges | Foreign exchange contracts:
Derivative [Line Items]
Derivative, notional amount	1,235	1,174
Derivative asset, fair value	7
Derivative liability, fair value		2
Not Designated as Hedging Instrument under GAAP
Derivative [Line Items]
Derivative, notional amount	562,671	564,496
Derivative asset, fair value	2,902	3,102
Derivative liability, fair value	5,999	5,760
Not Designated as Hedging Instrument under GAAP | Mortgage Banking | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	75,435	72,457
Derivative asset, fair value	76	112
Derivative liability, fair value	62	89
Not Designated as Hedging Instrument under GAAP | Mortgage Banking | Swaps | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	46,247	43,450
Derivative asset, fair value
Derivative liability, fair value
Not Designated as Hedging Instrument under GAAP | Mortgage Banking | Futures | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	8,920	10,370
Not Designated as Hedging Instrument under GAAP | Mortgage Banking | Mortgage-backed commitments | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	4,573	3,093
Derivative asset, fair value	58	66
Derivative liability, fair value	51	67
Not Designated as Hedging Instrument under GAAP | Mortgage Banking | Other | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	15,695	15,544
Derivative asset, fair value	18	46
Derivative liability, fair value	11	22
Not Designated as Hedging Instrument under GAAP | Customer Contracts
Derivative [Line Items]
Derivative, notional amount	474,864	477,157
Derivative asset, fair value	2,781	2,978
Derivative liability, fair value	5,744	5,418
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	427,956	432,761
Derivative asset, fair value	1,923	1,918
Derivative liability, fair value	4,962	4,422
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Commodity contracts:
Derivative [Line Items]
Derivative, notional amount	15,628	11,511
Derivative asset, fair value	610	765
Derivative liability, fair value	586	757
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Foreign exchange contracts and other
Derivative [Line Items]
Derivative, notional amount	31,280	32,885
Derivative asset, fair value	248	295
Derivative liability, fair value	196	239
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Swaps | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	395,502	401,607
Derivative asset, fair value	1,733	1,723
Derivative liability, fair value	4,815	4,228
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Swaps | Commodity contracts:
Derivative [Line Items]
Derivative, notional amount	6,498	6,714
Derivative asset, fair value	380	577
Derivative liability, fair value	356	569
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Futures | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	110	73
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Mortgage-backed commitments | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	4,595	2,592
Derivative asset, fair value	5	9
Derivative liability, fair value	9	25
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Other | Interest Rate Contracts
Derivative [Line Items]
Derivative, notional amount	27,749	28,489
Derivative asset, fair value	185	186
Derivative liability, fair value	138	169
Not Designated as Hedging Instrument under GAAP | Customer Contracts | Other | Commodity contracts:
Derivative [Line Items]
Derivative, notional amount	9,130	4,797
Derivative asset, fair value	230	188
Derivative liability, fair value	230	188
Not Designated as Hedging Instrument under GAAP | Other Risk Management Activity | Foreign exchange contracts and other
Derivative [Line Items]
Derivative, notional amount	12,372	14,882
Derivative asset, fair value	45	12
Derivative liability, fair value	$ 193	$ 253

Financial Derivatives (Narrativ

Financial Derivatives (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative [Line Items]
Cash and securities held to collateralize net derivative assets	$ 2,500		$ 2,500
Cash and securities pledged to collateralize net derivative liabilities	2,500		2,500
Gain (loss) on net investment hedge derivatives	$ (2)	$ (28)	9	$ (46)
Cash flow hedges | Interest Rate Contracts
Derivative [Line Items]
Cash flow hedge loss to be reclassified within twelve months			1,100
Cash flow hedge loss to be reclassified within twelve months, net of tax			$ 900
Maximum length of time hedged in cash flow hedge			10 years

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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Loans	$ 4,842	$ 4,523	$ 9,661	$ 8,781
Investment Securities	1,001	883	1,884	1,768
Borrowed Funds	1,182	903	2,341	1,686
Total other income	332	129	467	387
Other amounts related to interest settlements on derivatives	20	27	42	55
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Amount of derivative gains (losses) reclassified from accumulated other comprehensive income		(365)		(690)
Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Amount of derivative gains (losses) reclassified from accumulated other comprehensive income		(8)		(13)
Interest Income
Derivative Instruments, Gain (Loss) [Line Items]
Hedged items	182	(48)	108	(1)
Interest Income | Loans
Derivative Instruments, Gain (Loss) [Line Items]
Amount of derivative gains (losses) reclassified from accumulated other comprehensive income	(347)		(716)
Interest Income | Investment Securities
Derivative Instruments, Gain (Loss) [Line Items]
Amount of derivative gains (losses) reclassified from accumulated other comprehensive income	(8)		(15)
Interest Expense
Derivative Instruments, Gain (Loss) [Line Items]
Hedged items	22	432	435	135
Noninterest Income
Derivative Instruments, Gain (Loss) [Line Items]
Amount of derivative gains (losses) reclassified from accumulated other comprehensive income	(28)		(28)
Fair value hedges | Designated as Hedging Instrument | Interest Income
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	(185)	50	(111)	5
Amounts related to interest settlements on derivatives	29	7	39	12
Fair value hedges | Designated as Hedging Instrument | Interest Expense
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	(19)	(439)	(447)	(148)
Amounts related to interest settlements on derivatives	$ (190)	$ (147)	$ (365)	$ (260)

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	Jun. 30, 2024	Dec. 31, 2023
Borrowed Funds
Derivative Instruments, Gain (Loss) [Line Items]
Carrying Value of the Hedged Items	$ 32,543	$ 30,503
Cumulative Fair Value Hedge Adjustment included in the Carrying Value of Hedged Items	(1,172)	(737)
Borrowed Funds Discontinued Relationships
Derivative Instruments, Gain (Loss) [Line Items]
Cumulative fair value hedge adjustment included in carrying value of hedged items	(100)	(100)
Securities available for sale
Derivative Instruments, Gain (Loss) [Line Items]
Carrying Value of the Hedged Items	12,000	2,076
Cumulative Fair Value Hedge Adjustment included in the Carrying Value of Hedged Items	$ (12)	$ (122)

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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	$ (113)	$ (230)	$ (98)	$ (142)
Mortgage Banking | Interest Rate Contracts
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	(45)	(184)	(168)	(77)
Customer Contracts
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	25	91	38	149
Customer Contracts | Interest Rate Contracts
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	(21)	33	(37)	35
Customer Contracts | Foreign exchange contracts and other
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	46	58	75	114
Other Risk Management Activity | Foreign exchange contracts and other
Derivative [Line Items]
Derivative instruments not designated as hedging instruments gain (loss), net	$ (93)	$ (137)	$ 32	$ (214)

Financial Derivatives (Derivati

Financial Derivatives (Derivative Assets and Liabilities Offsetting) (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Offsetting Derivative Assets [Abstract]
Derivative asset, gross fair value	$ 3,120	$ 3,429
Derivative Asset, Fair Value Offset Amount	1,321	1,406
Derivative asset, cash collateral	1,139	1,126
Derivative Asset, Net	660	897
Derivative Asset, Securities Collateral Held Under Master Netting Agreements	33	66
Derivative Asset, Fair Value, Amount Offset Against Collateral	627	831
Offsetting Derivative Liabilities [Abstract]
Derivative liability, gross fair value	6,216	5,899
Derivative liability, fair value offset amount	1,321	1,406
Derivative liability, cash collateral	1,189	955
Derivative liability, net	3,706	3,538
Derivative liability, fair value of collateral	64	58
Derivative liability, fair value, amount offset against collateral	3,642	3,480
Interest Rate Contracts | Over-the-counter cleared
Offsetting Derivative Assets [Abstract]
Derivative asset, gross fair value	11	19
Derivative Asset, Net	11	19
Derivative Asset, Fair Value, Amount Offset Against Collateral	11	19
Offsetting Derivative Liabilities [Abstract]
Derivative liability, gross fair value	15	36
Derivative liability, net	15	36
Derivative liability, fair value, amount offset against collateral	15	36
Interest Rate Contracts | Over-the-counter
Offsetting Derivative Assets [Abstract]
Derivative asset, gross fair value	2,199	2,338
Derivative Asset, Fair Value Offset Amount	914	976
Derivative asset, cash collateral	870	767
Derivative Asset, Net	415	595
Derivative Asset, Securities Collateral Held Under Master Netting Agreements	31	61
Derivative Asset, Fair Value, Amount Offset Against Collateral	384	534
Offsetting Derivative Liabilities [Abstract]
Derivative liability, gross fair value	5,226	4,612
Derivative liability, fair value offset amount	802	885
Derivative liability, cash collateral	1,188	942
Derivative liability, net	3,236	2,785
Derivative liability, fair value of collateral	64	58
Derivative liability, fair value, amount offset against collateral	3,172	2,727
Commodity contracts:
Offsetting Derivative Assets [Abstract]
Derivative asset, gross fair value	610	765
Derivative Asset, Fair Value Offset Amount	324	316
Derivative asset, cash collateral	156	283
Derivative Asset, Net	130	166
Derivative Asset, Securities Collateral Held Under Master Netting Agreements	2	5
Derivative Asset, Fair Value, Amount Offset Against Collateral	128	161
Offsetting Derivative Liabilities [Abstract]
Derivative liability, gross fair value	586	757
Derivative liability, fair value offset amount	418	332
Derivative liability, cash collateral
Derivative liability, net	168	425
Derivative liability, fair value, amount offset against collateral	168	425
Foreign exchange contracts and other
Offsetting Derivative Assets [Abstract]
Derivative asset, gross fair value	300	307
Derivative Asset, Fair Value Offset Amount	83	114
Derivative asset, cash collateral	113	76
Derivative Asset, Net	104	117
Derivative Asset, Fair Value, Amount Offset Against Collateral	104	117
Offsetting Derivative Liabilities [Abstract]
Derivative liability, gross fair value	389	494
Derivative liability, fair value offset amount	101	189
Derivative liability, cash collateral	1	13
Derivative liability, net	287	292
Derivative liability, fair value, amount offset against collateral	$ 287	$ 292

Financial Derivatives (Credit-R

Financial Derivatives (Credit-Risk Contingent Features) (Details) - USD ($) $ in Billions	Jun. 30, 2024	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Net derivative liabilities with credit-risk contingent features	$ 4.8	$ 4.2
Less: Collateral posted	1.3	1
Maximum additional amount of collateral exposure	$ 3.5	$ 3.2

Legal Proceedings (Details)

Legal Proceedings (Details) $ in Millions	Jun. 30, 2024 USD ($)
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)	6 Months Ended
	Jun. 30, 2024 segment operatingUnit
Segment Reporting [Abstract]
Segment reporting, number of segments | segment	3
Number of distinct operating units | operatingUnit	2

Segment Reporting (Segment Repo

Segment Reporting (Segment Reporting Table) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Segment Reporting Information [Line Items]
Net interest income	$ 3,302	$ 3,510	$ 6,566	$ 7,095
Noninterest income	2,109	1,783	3,990	3,801
Total revenue	5,411	5,293	10,556	10,896
Provision for (recapture of) credit losses	235	146	390	381
Depreciation and amortization	285	284	565	565
Other noninterest expense	3,072	3,088	6,126	6,128
Income before income taxes and noncontrolling interests	1,819	1,775	3,475	3,822
Income taxes (benefit)	342	275	654	628
Net income (loss)	1,477	1,500	2,821	3,194
Less: Net income attributable to noncontrolling interests	18	17	32	34
Net income (loss) excluding noncontrolling interests	1,459	1,483	2,789	3,160
Average Assets	563,030	555,507	562,939	558,901
Other
Segment Reporting Information [Line Items]
Net interest income	(1,101)	(412)	(2,131)	(618)
Noninterest income	(477)	32	(478)	191
Total revenue	(1,578)	(380)	(2,609)	(427)
Provision for (recapture of) credit losses	(22)	(39)	(27)	(23)
Depreciation and amortization	145	143	289	286
Other noninterest expense	199	124	365	156
Income before income taxes and noncontrolling interests	(1,900)	(608)	(3,236)	(846)
Income taxes (benefit)	(497)	(258)	(861)	(417)
Net income (loss)	(1,403)	(350)	(2,375)	(429)
Less: Net income attributable to noncontrolling interests	2	1	3	3
Net income (loss) excluding noncontrolling interests	(1,405)	(351)	(2,378)	(432)
Average Assets	201,306	190,945	202,264	194,162
Retail Banking | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	2,709	2,448	5,326	4,729
Noninterest income	1,409	702	2,173	1,445
Total revenue	4,118	3,150	7,499	6,174
Provision for (recapture of) credit losses	27	(14)	145	224
Depreciation and amortization	80	81	159	159
Other noninterest expense	1,761	1,823	3,519	3,672
Income before income taxes and noncontrolling interests	2,250	1,260	3,676	2,119
Income taxes (benefit)	524	295	857	497
Net income (loss)	1,726	965	2,819	1,622
Less: Net income attributable to noncontrolling interests	11	11	19	21
Net income (loss) excluding noncontrolling interests	1,715	954	2,800	1,601
Average Assets	115,102	114,826	114,651	115,103
Corporate & Institutional Banking | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	1,531	1,349	3,051	2,732
Noninterest income	942	821	1,830	1,707
Total revenue	2,473	2,170	4,881	4,439
Provision for (recapture of) credit losses	228	209	275	181
Depreciation and amortization	51	53	101	107
Other noninterest expense	860	868	1,732	1,753
Income before income taxes and noncontrolling interests	1,334	1,040	2,773	2,398
Income taxes (benefit)	283	218	596	512
Net income (loss)	1,051	822	2,177	1,886
Less: Net income attributable to noncontrolling interests	5	5	10	10
Net income (loss) excluding noncontrolling interests	1,046	817	2,167	1,876
Average Assets	229,604	234,174	229,151	234,354
Asset Management Group | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	163	125	320	252
Noninterest income	235	228	465	458
Total revenue	398	353	785	710
Provision for (recapture of) credit losses	2	(10)	(3)	(1)
Depreciation and amortization	9	7	16	13
Other noninterest expense	252	273	510	547
Income before income taxes and noncontrolling interests	135	83	262	151
Income taxes (benefit)	32	20	62	36
Net income (loss)	103	63	200	115
Less: Net income attributable to noncontrolling interests
Net income (loss) excluding noncontrolling interests	103	63	200	115
Average Assets	$ 17,018	$ 15,562	$ 16,873	$ 15,282

Fee-Based Revenue from Contra_3

Fee-Based Revenue from Contracts with Customers (Narrative) (Details)	6 Months Ended
	Jun. 30, 2024 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		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Disaggregation of Revenue [Line Items]
Total noninterest income	$ 2,109	$ 1,783	$ 3,990	$ 3,801
Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	1,479	1,393	2,917	2,779
Out-of-scope noninterest income	1,107	358	1,551	831
Other
Disaggregation of Revenue [Line Items]
Total noninterest income	(477)	32	(478)	191
Retail Banking | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	620	613	1,209	1,212
Out-of-scope noninterest income	789	89	964	233
Total noninterest income	1,409	702	2,173	1,445
Retail Banking | Asset management and brokerage | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	135	124	272	254
Retail Banking | Brokerage fees | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	135	124	272	254
Retail Banking | Card and cash management | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	308	320	589	616
Retail Banking | Treasury management fees | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	11	11	21	21
Retail Banking | Debit card fees | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	176	178	343	343
Retail Banking | Net credit card fees | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	58	61	103	119
Retail Banking | Interchange Fees | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	170	173	328	333
Retail Banking | Credit Card Reward Costs | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	113	112	226	214
Retail Banking | Merchant services | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	41	45	78	84
Retail Banking | Other | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	22	25	44	49
Retail Banking | Lending and deposit services | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	177	169	348	342
Retail Banking | Deposit account fees | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	158	151	313	306
Retail Banking | Other | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	19	18	35	36
Corporate & Institutional Banking | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	630	556	1,252	1,117
Out-of-scope noninterest income	312	265	578	590
Total noninterest income	942	821	1,830	1,707
Corporate & Institutional Banking | Card and cash management | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	390	364	766	711
Corporate & Institutional Banking | Treasury management fees | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	371	345	728	673
Corporate & Institutional Banking | Merchant services | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	19	19	38	38
Corporate & Institutional Banking | Lending and deposit services | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	8	8	17	16
Corporate & Institutional Banking | Other | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	8	8	17	16
Corporate & Institutional Banking | Residential and commercial mortgage | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	28	40	58	82
Corporate & Institutional Banking | Capital markets and advisory | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	193	130	383	286
Corporate & Institutional Banking | Other | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	11	14	28	22
Asset Management Group | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	229	224	456	450
Out-of-scope noninterest income	6	4	9	8
Total noninterest income	235	228	465	458
Asset Management Group | Asset management and brokerage | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	229	224	456	450
Asset Management Group | Asset management fees | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income	229	222	456	446
Asset Management Group | Brokerage fees | Operating Segments
Disaggregation of Revenue [Line Items]
Total in-scope noninterest income		$ 2		$ 4

Subsequent Events (Details)

Subsequent Events (Details) - Subsequent Event - Senior debt - Parent Company	Jul. 23, 2024 USD ($)
Fixed-To-Floating Rate Notes, Due July 23, 2027
Subsequent Event [Line Items]
Debt instrument, face amount	$ 1,000,000,000
Interest rate	5.102%
Debt instrument, basis spread on variable rate	0.796%
Fixed-To-Floating Rate Notes, Due July 23, 2035
Subsequent Event [Line Items]
Debt instrument, face amount	$ 1,500,000,000
Interest rate	5.401%
Debt instrument, basis spread on variable rate	1.599%