Citizens Financial (CFG) 8-K Citizens Financial Group, Inc. Reports Second Quarter Net Income of $425 Million

Exhibit 99.3

Financial Supplement

Second Quarter 2018

1

Table of Contents	Page
Consolidated Financial Highlights	3
Consolidated Statements of Operations (unaudited)	5
Consolidated Balance Sheets (unaudited)	6
Loans and Deposits	7
Average Balance Sheets and Annualized Yields	8
Segment Financial Highlights	10
Credit-Related Information:
Credit Exposure	17
Nonperforming Assets	18
Charge-offs, Recoveries and Related Ratios	19
Summary of Changes in the Components of the Allowance for Credit Losses	21
Capital and Ratios	22
Key Performance Metrics,Non-GAAP Financial Measures and Reconciliations	23

The information in this Financial Supplement is preliminary and based on company data available at the time of the earnings presentation. It speaks only as of the particular date or dates included in the accompanying pages. The company does not undertake an obligation to, and disclaims any duty to, update any of the information provided. Any forward-looking statements in this Financial Supplement are subject to the forward-looking statements language contained in the company’s reports filed with the SEC pursuant to the Securities Exchange Act of 1934, which can be found on the SEC’s website (www.sec.gov) or on the company’s website (www.citizensbank.com). The company’s future financial performance is subject to the risks and uncertainties described in its SEC filings.

2

 CONSOLIDATED FINANCIAL HIGHLIGHTS

(in millions, except share,per-share and ratio data)

	QUARTERLY TRENDS																											FOR THE SIX MONTHS ENDED JUNE 30,
																2Q18 Change																		2018 Change
	2Q18			1Q18			4Q17			3Q17			2Q17			1Q18						2Q17						2018			2017			2017
																$			%			$			%									$			%
SELECTED OPERATING DATA
Total revenue		$1,509			$1,462			$1,484			$1,443			$1,396			$47			3	%		$113			8	%		$2,971			$2,780			$191			7	%
Noninterest expense		875			883			898			858			864			(8	)		(1	)		11			1			1,758			1,718			40			2
Profit before provision for credit losses		634			579			586			585			532			55			9			102			19			1,213			1,062			151			14
Provision for credit losses		85			78			83			72			70			7			9			15			21			163			166			(3	)		(2	)
NET INCOME		425			388			666			348			318			37			10			107			34			813			638			175			27
Net income, Underlying1		425			388			349			348			318			37			10			107			34			813			615			198			32
Net income available to common stockholders		425			381			666			341			318			44			12			107			34			806			631			175			28
Net income available to common stockholders, Underlying1		425			381			349			341			318			44			12			107			34			806			608			198			33
PER COMMON SHARE DATA
Basic earnings		$0.88			$0.78			$1.35			$0.68			$0.63			$0.10			13	%		$0.25			40	%		$1.66			$1.24			$0.42			34	%
Diluted earnings		0.88			0.78			1.35			0.68			0.63			0.10			13			0.25			40			1.65			1.24			0.41			33
Basic earnings, Underlying1		0.88			0.78			0.71			0.68			0.63			0.10			13			0.25			40			1.66			1.20			0.46			38
Diluted earnings, Underlying1		0.88			0.78			0.71			0.68			0.63			0.10			13			0.25			40			1.65			1.19			0.46			39
Cash dividends declared and paid per common share		0.22			0.22			0.18			0.18			0.14			–			–			0.08			57			0.44			0.28			0.16			57
Book value per common share		41.16			40.64			40.80			39.76			39.17			0.52			1			1.99			5			41.16			39.17			1.99			5
Tangible book value per common share		27.67			27.24			27.48			27.05			26.61			0.43			2			1.06			4			27.67			26.61			1.06			4
Dividend payout ratio		25	%		28	%		13	%		26	%		22	%		(300	)bps					300	bps					27	%		23	%		400	bps
Dividend payout ratio, Underlying1		25			28			25			26			22			(300	)bps					300	bps					27			23			400	bps
COMMON SHARES OUTSTANDING
Average: Basic		484,744,354			487,500,618			492,149,763			500,861,076			506,371,846			(2,756,264	)		(1	%)		(21,627,492	)		(4	%)		486,114,872			507,903,141			(21,788,269	)		(4	%)
Diluted		486,141,695			489,266,826			493,788,007			502,157,384			507,414,122			(3,125,131	)		(1	)		(21,272,427	)		(4	)		487,683,216			509,362,055			(21,678,839	)		(4	)
Common shares atperiod-end		484,055,194			487,551,444			490,812,912			499,505,285			505,880,851			(3,496,250	)		(1	)		(21,825,657	)		(4	)		484,055,194			505,880,851			(21,825,657	)		(4	)
SHARE PRICE
High		$43.62			$48.23			$42.93			$38.06			$38.01			($4.61	)		(10	%)		$5.61			15	%		$48.23			$39.75			$8.48			21	%
Low		38.84			40.80			36.10			31.51			33.13			(1.96	)		(5	)		5.71			17			38.84			32.99			5.85			18
Close		38.90			41.98			41.98			37.87			35.68			(3.08	)		(7	)		3.22			9			38.90			35.68			3.22			9
Market capitalization		18,830			20,467			20,604			18,916			18,050			(1,637	)		(8	)		780			4			18,830			18,050			780			4
SEGMENT NET INCOME
Consumer Banking		$197			$170			$117			$122			$118			$27			16	%		$79			67	%		$367			$213			$154			72	%
Commercial Banking		237			215			206			201			187			22			10			50			27			452			367			85			23
Other		(9	)		3			343			25			13			(12	)		NM			(22	)		(169	)		(6	)		58			(64	)		(110	)
NET INCOME		$425			$388			$666			$348			$318			$37			10	%		$107			34	%		$813			$638			$175			27	%

¹ These arenon-GAAP financial measures. For further information on these measures, refer to “Key Performance Metrics,Non-GAAP Financial Measures and Reconciliations” at the end of this document.

3

CONSOLIDATED FINANCIAL HIGHLIGHTS, CONTINUED

(in millions, except ratio and headcount data)

	QUARTERLY TRENDS																					FOR THE SIX MONTHS ENDED JUNE 30,
											2Q18 Change															2018 Change
	2Q18		1Q18		4Q17		3Q17		2Q17		1Q18					2Q17						2018		2017		2017
											$/bps		%			$/bps			%							$/bps		%
FINANCIAL RATIOS
Net interest margin		3.18%		3.16%		3.08%		3.05%		2.97%		2 bps					21 bps						3.17%		2.97%		20 bps
Return on average common equity		8.65		7.83		13.46		6.87		6.48		82 bps					217 bps						8.24		6.50		174 bps
Return on average common equity, Underlying1		8.65		7.83		7.05		6.87		6.48		82 bps					217 bps						8.24		6.27		197 bps
Return on average tangible common equity		12.93		11.71		19.92		10.13		9.57		122 bps					336 bps						12.32		9.62		270 bps
Return on average tangible common equity, Underlying1		12.93		11.71		10.43		10.13		9.57		122 bps					336 bps						12.32		9.28		304 bps
Return on average total assets		1.11		1.04		1.75		0.92		0.85		7 bps					26 bps						1.08		0.86		22 bps
Return on average total assets, Underlying1		1.11		1.04		0.92		0.92		0.85		7 bps					26 bps						1.08		0.83		25 bps
Return on average total tangible assets		1.16		1.08		1.83		0.96		0.89		8 bps					27 bps						1.12		0.90		22 bps
Return on average total tangible assets, Underlying1		1.16		1.08		0.96		0.96		0.89		8 bps					27 bps						1.12		0.87		25 bps
Effective income tax rate		22.58		22.52		(32.40)		32.18		31.13		6 bps					(855) bps						22.55		28.82		(627) bps
Effective income tax rate, Underlying1		22.58		22.52		33.68		32.18		31.13		6 bps					(855) bps						22.55		31.34		(879) bps
Efficiency ratio		57.95		60.43		60.52		59.41		61.94		(248) bps					(399) bps						59.17		61.81		(264) bps
Efficiency ratio, Underlying1		57.95		60.43		58.50		59.41		60.36		(248) bps					(241) bps						59.17		61.02		(185) bps
CAPITAL RATIOS -PERIOD-END (PRELIMINARY)2
CET1 capital ratio		11.2%		11.2%		11.2%		11.1%		11.2%
Tier 1 capital ratio		11.6		11.4		11.4		11.3		11.4
Total capital ratio		13.8		13.9		13.9		13.8		14.0
Tier 1 leverage ratio		10.2		10.0		10.0		9.9		9.9
SELECTED BALANCE SHEET DATA(PERIOD-END)
Total assets		$155,431		$153,453		$152,336		$151,356		$151,407		$1,978		1	%		$4,024	��		3	%		$155,431		$151,407		$4,024		3	%
Loans and leases:
Commercial		54,888		53,144		52,031		52,381		51,888		1,744		3			3,000			6			54,888		51,888		3,000		6
Retail		58,519		58,281		58,586		57,770		57,158		238		–			1,361			2			58,519		57,158		1,361		2
Total loans and leases		113,407		111,425		110,617		110,151		109,046		1,982		2			4,361			4			113,407		109,046		4,361		4
Deposits		117,073		115,730		115,089		113,235		113,613		1,343		1			3,460			3			117,073		113,613		3,460		3
Long-term borrowed funds		13,641		13,486		11,765		13,400		13,154		155		1			487			4			13,641		13,154		487		4
Total stockholders’ equity		20,467		20,059		20,270		20,109		20,064		408		2			403			2			20,467		20,064		403		2
Loans-to-deposits ratio(period-end balances)3		97.47%		96.97%		96.74%		98.36%		96.60%		50 bps					87  bps						97.47%		96.60%		87  bps
Loans-to-deposits ratio (average balances)3		98.59		98.56		97.77		97.59		99.08		3 bps					(49) bps						98.58		98.95		(37) bps
Full-time equivalent colleagues		17,699		17,546		17,594		17,696		17,738		153		1			(39)			–			17,699		17,738		(39)		–

¹  These arenon-GAAP financial measures. For further information on these measures, refer to “Key Performance Metrics,Non-GAAP Financial Measures and Reconciliations” at the end of this document.

²  The December 31, 2017 capital ratios reflect the retrospective adoption of FASB ASU2018-02,Income Statement-Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated OtherComprehensive Income.

³  Includes loans and leases held for sale.

4

CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited)

(in millions)

	QUARTERLY TRENDS																							FOR THE SIX MONTHS ENDED JUNE 30,
												2Q18 Change																	2018 Change
	2Q18		1Q18		4Q17			3Q17		2Q17		1Q18						2Q17						2018			2017		2017
												$			%			$			%								$			%
INTEREST INCOME:
Interest and fees on loans and leases		$1,230		$1,146		$1,121			$1,096		$1,040		$84			7	%		$190			18	%		$2,376			$2,032		$344			17	%
Interest and fees on loans held for sale		5		4		5			5		4		1			25			1			25			9			8		1			13
Interest and fees on other loans held for sale		3		4		4			3		2		(1	)		(25	)		1			50			7			3		4			133
Investment securities		165		168		156			155		154		(3	)		(2	)		11			7			333			314		19			6
Interest-bearing deposits in banks		8		6		5			5		5		2			33			3			60			14			8		6			75
Total interest income		1,411		1,328		1,291			1,264		1,205		83			6			206			17			2,739			2,365		374			16
INTEREST EXPENSE:
Deposits		181		145		130			123		102		36			25			79			77			326			188		138			73
Federal funds purchased and securities sold under agreements to repurchase		1		1		1			1		–		–			–			1			100			2			1		1			100
Other short-term borrowed funds		14		9		9			7		7		5			56			7			100			23			15		8			53
Long-term borrowed funds		94		82		71			71		70		12			15			24			34			176			130		46			35
Total interest expense		290		237		211			202		179		53			22			111			62			527			334		193			58
Net interest income		1,121		1,091		1,080			1,062		1,026		30			3			95			9			2,212			2,031		181			9
NONINTEREST INCOME:
Service charges and fees		127		124		131			131		129		3			2			(2	)		(2	)		251			254		(3	)		(1	)
Card fees		60		61		56			58		59		(1	)		(2	)		1			2			121			119		2			2
Capital markets fees		48		39		42			53		51		9			23			(3	)		(6	)		87			99		(12	)		(12	)
Trust and investment services fees		43		40		42			38		39		3			8			4			10			83			78		5			6
Letter of credit and loan fees		32		30		31			30		31		2			7			1			3			62			60		2			3
Foreign exchange and interest rate products		34		27		32			24		26		7			26			8			31			61			53		8			15
Mortgage banking fees		27		25		28			27		30		2			8			(3	)		(10	)		52			53		(1	)		(2	)
Securities gains, net		2		8		2			2		3		(6	)		(75	)		(1	)		(33	)		10			7		3			43
Other income		15		17		40			18		2		(2	)		(12	)		13			NM			32			26		6			23
Total noninterest income		388		371		404			381		370		17			5			18			5			759			749		10			1
TOTAL REVENUE		1,509		1,462		1,484			1,443		1,396		47			3			113			8			2,971			2,780		191			7
Provision for credit losses		85		78		83			72		70		7			9			15			21			163			166		(3	)		(2	)
NONINTEREST EXPENSE:
Salaries and employee benefits1		453		470		450			438		432		(17	)		(4	)		21			5			923			878		45			5
Outside services		106		99		118			99		96		7			7			10			10			205			187		18			10
Occupancy		79		81		80			78		79		(2	)		(2	)		–			–			160			161		(1	)		(1	)
Equipment expense		64		67		67			65		64		(3	)		(4	)		–			–			131			131		–			–
Amortization of software		46		46		46			45		45		–			–			1			2			92			89		3			3
Other operating expense1		127		120		137			133		148		7			6			(21	)		(14	)		247			272		(25	)		(9	)
Total noninterest expense		875		883		898			858		864		(8	)		(1	)		11			1			1,758			1,718		40			2
Income before income tax expense (benefit)		549		501		503			513		462		48			10			87			19			1,050			896		154			17
Income tax expense (benefit)		124		113		(163	)		165		144		11			10			(20	)		(14	)		237			258		(21	)		(8	)
Net income		$425		$388		$666			$348		$318		$37			10	%		$107			34	%		$813			$638		$175			27	%
Net income, Underlying2		$425		$388		$349			$348		$318		$37			10	%		$107			34	%		$813			$615		$198			32	%
Net income available to common stockholders		$425		$381		$666			$341		$318		$44			12	%		$107			34	%		$806			$631		$175			28	%
																										��
Net income available to common stockholders, Underlying2		$425		$381		$349			$341		$318		$44			12	%		$107			34	%		$806			$608		$198			33	%

¹  As of January 1, 2018, we retrospectively adopted ASU2017-07, Compensation - Retirement Benefits (Topic 715): Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost,which requires the service cost component of net periodic pension and postretirement benefit cost to be reported separately in the Consolidated Statements of Operations from the other components. Prior periods have been adjusted to conform with the current period presentation.

² These arenon-GAAP financial measures. For further information on these measures, refer to “Key Performance Metrics,Non-GAAP Financial Measures and Reconciliations” at the end of this document.

5

CONSOLIDATED BALANCE SHEETS (unaudited)

(in millions)

PERIOD-END BALANCES

	AS OF										JUNE 30, 2018 CHANGE
	June 30, 2018		Mar 31, 2018		Dec 31, 2017		Sept 30, 2017		June 30, 2017		Mar 31, 2018					June 30, 2017
											$		%			$			%
ASSETS:
Cash and due from banks		$997		$1,172		$987		$781		$904		($175)		(15	%)		$93			10	%
Interest-bearing cash and due from banks		2,868		2,687		2,045		1,339		3,263		181		7			(395)			(12	)
Interest-bearing deposits in banks		114		142		192		287		433		(28)		(20	)		(319)			(74	)
Debt securities available for sale, at fair value1		20,157		19,958		20,157		19,982		19,257		199		1			900			5
Debt securities held to maturity1		4,417		4,555		4,685		4,823		4,967		(138)		(3	)		(550)			(11	)
Equity securities, at fair value1		170		172		169		165		97		(2)		(1	)		73			75
Equity securities, at cost1		769		748		722		772		794		21		3			(25)			(3	)
Loans held for sale, at fair value		521		478		497		500		520		43		9			1			–
Other loans held for sale		189		322		221		724		187		(133)		(41	)		2			1
Loans and leases		113,407		111,425		110,617		110,151		109,046		1,982		2			4,361			4
Less: Allowance for loan and lease losses		(1,253)		(1,246)		(1,236)		(1,224)		(1,219)		(7)		(1	)		(34)			(3	)
Net loans and leases		112,154		110,179		109,381		108,927		107,827		1,975		2			4,327			4
Derivative assets		224		274		617		596		408		(50)		(18	)		(184)			(45	)
Premises and equipment		720		687		685		618		600		33		5			120			20
Bank-owned life insurance		1,677		1,669		1,656		1,646		1,636		8		–			41			3
Goodwill		6,887		6,887		6,887		6,887		6,887		–		–			–			–
Due from broker		–		84		6		226		530		(84)		(100	)		(530)			(100	)
Other assets		3,567		3,439		3,429		3,083		3,097		128		4			470			15
TOTAL ASSETS		$155,431		$153,453		$152,336		$151,356		$151,407		$1,978		1	%		$4,024			3	%
LIABILITIES AND STOCKHOLDERS’ EQUITY:
LIABILITIES:
Deposits:
Noninterest-bearing		$29,439		$28,437		$29,279		$28,643		$27,814		$1,002		4	%		$1,625			6	%
Interest-bearing		87,634		87,293		85,810		84,592		85,799		341		–			1,835			2
Total deposits		117,073		115,730		115,089		113,235		113,613		1,343		1			3,460			3
Federal funds purchased and securities sold under agreements to repurchase2		326		315		815		453		429		11		3			(103)			(24	)
Other short-term borrowed funds		1,499		1,494		1,856		1,505		2,004		5		–			(505)			(25	)
Derivative liabilities		425		331		310		242		159		94		28			266			167
Deferred taxes, net		456		475		571		744		740		(19)		(4	)		(284)			(38	)
Long-term borrowed funds		13,641		13,486		11,765		13,400		13,154		155		1			487			4
Due to broker		–		84		–		–		–		(84)		(100	)		–			–
Other liabilities		1,544		1,479		1,660		1,668		1,244		65		4			300			24
TOTAL LIABILITIES		134,964		133,394		132,066		131,247		131,343		1,570		1			3,621			3
STOCKHOLDERS’ EQUITY:
Preferred stock:
$25.00 par value, 100,000,000 shares authorized for each of the periods presented		543		247		247		247		247		296		120			296			120
Common stock:
$0.01 par value, 1,000,000,000 shares authorized for each of the periods presented		6		6		6		6		6		–		–			–			–
Additionalpaid-in capital		18,806		18,797		18,781		18,768		18,761		9		–			45			–
Retained earnings3		4,755		4,437		4,164		3,442		3,191		318		7			1,564			49
Treasury stock, at cost		(2,433)		(2,283)		(2,108)		(1,773)		(1,548)		(150)		(7	)		(885)			(57	)
Accumulated other comprehensive loss3		(1,210)		(1,145)		(820)		(581)		(593)		(65)		(6	)		(617)			(104	)
TOTAL STOCKHOLDERS’ EQUITY		20,467		20,059		20,270		20,109		20,064		408		2			403			2
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY		$155,431		$153,453		$152,336		$151,356		$151,407		$1,978		1	%		$4,024			3	%
Memo: Total tangible common equity		$13,394		$13,280		$13,489		$13,512		$13,463		$114		1	%		($69	)		(1	%)

¹  As of January 1, 2018, we adopted ASU2016-01, Financial Instruments, Overall (Subtopic825-10): Recognition and Measurement of Financial Assets and Financial Liabilities, which requires separate presentation of financial assets and financial liabilities by measurement category and form of financial assets on the balance sheet.

²  Balances are net of certain short-term receivables associated with reverse repurchase agreements.

³  The December 31, 2017 balances reflect the retrospective adoption of FASB ASU2018-02,Income Statement-Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated OtherComprehensive Income.

6

LOANS AND DEPOSITS

(in millions)

PERIOD-END BALANCES	AS OF										JUNE 30, 2018 CHANGE
	June 30, 2018		Mar 31, 2018		Dec 31, 2017		Sept 30, 2017		June 30, 2017		Mar 31, 2018				June 30, 2017
											$		%		$		%
LOANS AND LEASES:
Commercial		$39,278		$38,277		$37,562		$37,706		$37,329		$1,001		3%		$1,949		5%
Commercial real estate		12,528		11,775		11,308		11,426		11,213		753		6		1,315		12
Leases		3,082		3,092		3,161		3,249		3,346		(10)		—		(264)		(8)
Total commercial loans and leases		54,888		53,144		52,031		52,381		51,888		1,744		3		3,000		6
Residential mortgages		17,814		17,346		17,045		16,619		16,082		468		3		1,732		11
Home equity loans		1,211		1,298		1,392		1,483		1,606		(87)		(7)		(395)		(25)
Home equity lines of credit		13,014		13,190		13,483		13,555		13,696		(176)		(1)		(682)		(5)
Home equity loans serviced by others1		465		504		542		599		647		(39)		(8)		(182)		(28)
Home equity lines of credit serviced by others1		124		136		149		166		182		(12)		(9)		(58)		(32)
Automobile		12,517		12,794		13,204		13,311		13,449		(277)		(2)		(932)		(7)
Education		8,450		8,324		8,134		8,014		7,720		126		2		730		9
Credit card		1,877		1,808		1,848		1,754		1,711		69		4		166		10
Other retail		3,047		2,881		2,789		2,269		2,065		166		6		982		48
Total retail loans		58,519		58,281		58,586		57,770		57,158		238		—		1,361		2
Total loans and leases		$113,407		$111,425		$110,617		$110,151		$109,046		$1,982		2%		$4,361		4%
Loans held for sale, at fair value		521		478		497		500		520		43		9		1		—
Other loans held for sale		189		322		221		724		187		(133)		(41)		2		1
Loans and leases and loans held for sale		$114,117		$112,225		$111,335		$111,375		$109,753		$1,892		2%		$4,364		4%
DEPOSITS:
Demand		$29,439		$28,437		$29,279		$28,643		$27,814		$1,002		4%		$1,625		6%
Checking with interest		22,775		21,767		22,229		21,756		22,497		1,008		5		278		1
Regular savings		9,902		9,896		9,518		9,470		9,542		6		—		360		4
Money market accounts		36,139		38,880		37,454		37,070		38,275		(2,741)		(7)		(2,136)		(6)
Term deposits		18,818		16,750		16,609		16,296		15,485		2,068		12		3,333		22
Total deposits		$117,073		$115,730		$115,089		$113,235		$113,613		$1,343		1%		$3,460		3%

¹Our Serviced by Others (“SBO”) portfolio consists of purchased loans and lines of credit that were originally serviced by others.

7

AVERAGE BALANCE SHEETS AND ANNUALIZED YIELDS

(in millions)

	QUARTERLY TRENDS																				FOR THE SIX MONTHS ENDED JUNE 30,
AVERAGE BALANCES											2Q18 Change														2018 Change
	2Q18		1Q18		4Q17		3Q17		2Q17		1Q18					2Q17					2018		2017		2017
											$		%			$		%							$		%
ASSETS:
Interest-bearing cash and due from banks and deposits in banks		$1,801		$1,442		$1,528		$1,663		$2,081		$359		25	%		($280)		(13	%)		$1,622		$2,023		($401)		(20	%)
Taxable investment securities		25,197		25,433		25,678		25,588		25,732		(236)		(1	)		(535)		(2	)		25,315		25,760		(445)		(2	)
Non-taxable investment securities		6		6		6		7		7		—		—			(1)		(14	)		6		8		(2)		(25	)
Total investment securities		25,203		25,439		25,684		25,595		25,739		(236)		(1	)		(536)		(2	)		25,321		25,768		(447)		(2	)
Investment securities and interest-bearing deposits		27,004		26,881		27,212		27,258		27,820		123		—			(816)		(3	)		26,943		27,791		(848)		(3	)
Commercial		39,399		37,960		37,713		37,448		37,846		1,439		4			1,553		4			38,683		37,682		1,001		3
Commercial real estate		12,071		11,549		11,396		11,401		11,086		522		5			985		9			11,812		10,955		857		8
Leases		3,073		3,114		3,201		3,302		3,557		(41)		(1	)		(484)		(14	)		3,093		3,626		(533)		(15	)
Total commercial loans and leases		54,543		52,623		52,310		52,151		52,489		1,920		4			2,054		4			53,588		52,263		1,325		3
Residential mortgages		17,488		17,162		16,794		16,323		15,646		326		2			1,842		12			17,326		15,466		1,860		12
Home equity loans		1,252		1,342		1,437		1,547		1,668		(90)		(7	)		(416)		(25	)		1,297		1,730		(433)		(25	)
Home equity lines of credit		13,112		13,353		13,501		13,608		13,765		(241)		(2	)		(653)		(5	)		13,232		13,860		(628)		(5	)
Home equity loans serviced by others1		480		520		564		618		668		(40)		(8	)		(188)		(28	)		500		693		(193)		(28	)
Home equity lines of credit serviced by others1		130		142		156		173		188		(12)		(8	)		(58)		(31	)		136		198		(62)		(31	)
Automobile		12,657		13,015		13,277		13,349		13,574		(358)		(3	)		(917)		(7	)		12,835		13,672		(837)		(6	)
Education		8,374		8,283		8,071		7,814		7,490		91		1			884		12			8,329		7,165		1,164		16
Credit cards		1,854		1,828		1,803		1,738		1,693		26		1			161		10			1,841		1,679		162		10
Other retail		2,966		2,847		2,537		2,163		1,959		119		4			1,007		51			2,906		1,880		1,026		55
Total retail loans		58,313		58,492		58,140		57,333		56,651		(179)		—			1,662		3			58,402		56,343		2,059		4
Total loans and leases		112,856		111,115		110,450		109,484		109,140		1,741		2			3,716		3			111,990		108,606		3,384		3
Loans held for sale, at fair value		470		420		482		503		465		50		12			5		1			445		487		(42)		(9	)
Other loans held for sale		195		255		285		234		162		(60)		(24	)		33		20			225		118		107		91
Interest-earning assets		140,525		138,671		138,429		137,479		137,587		1,854		1			2,938		2			139,603		137,002		2,601		2
Allowance for loan and lease losses		(1,246)		(1,236)		(1,222)		(1,220)		(1,223)		(10)		(1	)		(23)		(2	)		(1,241)		(1,229)		(12)		(1	)
Goodwill		6,887		6,887		6,887		6,887		6,882		—		—			5		—			6,887		6,879		8		—
Other noninterest-earning assets		7,087		7,201		7,017		6,866		6,632		(114)		(2	)		455		7			7,144		6,683		461		7
TOTAL ASSETS		$153,253		$151,523		$151,111		$150,012		$149,878		$1,730		1	%		$3,375		2	%		$152,393		$149,335		$3,058		2	%
LIABILITIES AND STOCKHOLDERS’ EQUITY:
LIABILITIES:
Checking with interest		$22,185		$21,665		$21,459		$21,909		$21,751		$520		2	%		$434		2	%		$21,927		$21,228		$699		3	%
Money market accounts		36,396		37,084		37,483		37,535		36,912		(688)		(2	)		(516)		(1	)		36,738		37,390		(652)		(2	)
Regular savings		9,889		9,627		9,473		9,491		9,458		262		3			431		5			9,759		9,285		474		5
Term deposits		17,838		16,503		16,470		15,971		15,148		1,335		8			2,690		18			17,174		14,663		2,511		17
Total interest-bearing deposits		86,308		84,879		84,885		84,906		83,269		1,429		2			3,039		4			85,598		82,566		3,032		4
Federal funds purchased and securities sold under agreements to repurchase2		504		645		685		733		808		(141)		(22	)		(304)		(38	)		574		845		(271)		(32	)
Other short-term borrowed funds		1,677		1,481		2,432		1,624		2,275		196		13			(598)		(26	)		1,579		2,617		(1,038)		(40	)
Long-term borrowed funds		13,394		13,549		11,658		12,210		13,647		(155)		(1	)		(253)		(2	)		13,471		13,033		438		3
Total borrowed funds		15,575		15,675		14,775		14,567		16,730		(100)		(1	)		(1,155)		(7	)		15,624		16,495		(871)		(5	)
Total interest-bearing liabilities		101,883		100,554		99,660		99,473		99,999		1,329		1			1,884		2			101,222		99,061		2,161		2
Total demand deposits		28,834		28,544		28,868		28,041		27,521		290		1			1,313		5			28,690		27,808		882		3
Other liabilities		2,433		2,446		2,712		2,523		2,452		(13)		(1	)		(19)		(1	)		2,440		2,659		(219)		(8	)
TOTAL LIABILITIES		133,150		131,544		131,240		130,037		129,972		1,606		1			3,178		2			132,352		129,528		2,824		2
STOCKHOLDERS’ EQUITY		20,103		19,979		19,871		19,975		19,906		124		1			197		1			20,041		19,807		234		1
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY		$153,253		$151,523		$151,111		$150,012		$149,878		$1,730		1	%		$3,375		2	%		$152,393		$149,335		$3,058		2	%
Memo: Total average tangible common equity		$13,200		$13,198		$13,266		$13,376		$13,309		$2		—	%		($109)		(1	%)		$13,199		$13,213		($14)		—	%
Total deposits (interest-bearing and demand)		$115,142		$113,423		$113,753		$112,947		$110,790		$1,719		2	%		$4,352		4	%		$114,288		$110,374		$3,914		4	%

¹Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others.

²Balances are net of certain short-term receivables associated with reverse repurchase agreements.

8

AVERAGE BALANCE SHEETS AND ANNUALIZED YIELDS, CONTINUED

(in millions, except rates)

	QUARTERLY TRENDS																				FOR THE SIX MONTHS ENDED JUNE 30,
AVERAGE ANNUALIZED YIELDS AND RATES	2Q18				1Q18				4Q17				3Q17				2Q17				2018				2017
	Rate		Income/  Expense		Rate		Income/  Expense		Rate		Income/  Expense		Rate		Income/  Expense		Rate		Income/  Expense		Rate		Income/  Expense		Rate		Income/  Expense
INTEREST-EARNING ASSETS:
Interest-bearing deposits in banks		1.77%		$8		1.61%		$6		1.30%		$5		1.14%		$5		0.88%		$5		1.70%		$14		0.76%		$8
Taxable investment securities		2.62		165		2.64		168		2.44		156		2.42		155		2.39		154		2.63		333		2.44		314
Non-taxable investment securities		2.60		—		2.60		—		2.60		—		2.60		—		2.60		—		2.60		—		2.60		—
Total investment securities		2.62		165		2.64		168		2.44		156		2.42		155		2.39		154		2.63		333		2.44		314
Investment securities and interest-bearing deposits				173				174				161				160				159				347				322
Commercial		4.07		405		3.77		357		3.65		352		3.61		344		3.40		326		3.92		762		3.36		638
Commercial real estate		4.39		134		4.11		119		3.80		110		3.69		108		3.47		97		4.25		253		3.34		184
Leases		2.69		21		2.61		20		2.48		20		2.54		21		2.50		22		2.65		41		2.49		45
Total commercial loans and leases		4.06		560		3.77		496		3.61		482		3.56		473		3.35		445		3.92		1,056		3.30		867
Residential mortgages		3.57		156		3.56		153		3.57		149		3.57		146		3.57		140		3.56		309		3.56		276
Home equity loans		5.91		18		5.76		19		5.60		20		5.72		22		5.74		24		5.83		37		5.70		49
Home equity lines of credit		4.40		144		4.20		138		3.97		135		3.93		135		3.68		126		4.30		282		3.55		244
Home equity loans serviced by others1		7.23		9		7.31		9		7.20		11		7.04		11		7.12		11		7.28		18		7.07		24
Home equity lines of credit serviced by others1		3.62		1		3.98		1		4.32		1		4.05		2		4.24		2		3.81		2		3.98		4
Automobile		3.60		113		3.47		112		3.39		114		3.31		111		3.23		110		3.53		225		3.20		217
Education		5.71		119		5.58		114		5.43		111		5.36		106		5.26		98		5.65		233		5.25		186
Credit cards		10.74		50		10.70		48		10.46		47		10.69		47		10.71		45		10.72		98		10.93		91
Other retail		8.10		60		7.97		56		7.92		51		7.88		43		8.01		39		8.04		116		7.98		74
Total retail loans		4.61		670		4.49		650		4.37		639		4.32		623		4.21		595		4.55		1,320		4.16		1,165
Total loans and leases		4.34		1,230		4.15		1,146		4.01		1,121		3.96		1,096		3.80		1,040		4.25		2,376		3.75		2,032
Loans held for sale, at fair value		4.15		5		3.84		4		3.70		5		3.69		5		3.60		4		4.01		9		3.45		8
Other loans held for sale		6.38		3		6.21		4		5.49		4		4.72		3		5.51		2		6.29		7		5.86		3
Total interest-earning assets		4.00		1,411		3.85		1,328		3.69		1,291		3.64		1,264		3.49		1,205		3.93		2,739		3.46		2,365
INTEREST-BEARING LIABILITIES:
Checking with interest		0.61		34		0.48		26		0.41		23		0.43		23		0.36		20		0.55		60		0.31		33
Money market accounts		0.87		79		0.71		65		0.61		58		0.57		54		0.49		45		0.79		144		0.46		86
Regular savings		0.05		1		0.05		1		0.05		1		0.04		1		0.04		1		0.05		2		0.04		2
Term deposits		1.50		67		1.30		53		1.18		48		1.09		45		0.97		36		1.41		120		0.93		67
Total interest-bearing deposits		0.84		181		0.69		145		0.61		130		0.58		123		0.49		102		0.77		326		0.46		188
Federal funds purchased and securities sold under agreements to repurchase2		0.73		1		0.68		1		0.45		1		0.50		1		0.37		—		0.70		2		0.30		1 ��
Other short-term borrowed funds		3.48		14		2.40		9		1.58		9		1.55		7		1.23		7		2.99		23		1.13		15
Long-term borrowed funds		2.77		94		2.44		82		2.42		71		2.31		71		2.05		70		2.60		176		2.00		130
Total borrowed funds		2.78		109		2.36		92		2.19		81		2.14		79		1.86		77		2.57		201		1.77		146
Total interest-bearing liabilities		1.14		290		0.95		237		0.84		211		0.80		202		0.72		179		1.05		527		0.68		334
INTEREST RATE SPREAD		2.87				2.90				2.85				2.84				2.77				2.88				2.78
NET INTEREST MARGIN		3.18%				3.16%				3.08%				3.05%				2.97%				3.17%				2.97%
Memo: Total deposit costs		0.63%		$181		0.52%		$145		0.45%		$130		0.43%		$123		0.37%		$102		0.57%		$326		0.34%		$188

¹Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others.

²Balances are net of certain short-term receivables associated with reverse repurchase agreements; interest expense includes the full cost of the repurchase agreements and certain hedging costs.

9

SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATING

(in millions, except ratio data)

	SECOND QUARTER 2018								FIRST QUARTER 2018								CHANGE
																	2Q18 from 1Q18
	Consumer Banking		Commercial Banking		Other1		Consolidated		Consumer Banking		Commercial Banking		Other1		Consolidated		$/bps		%
Net interest income		$759		$376		($14)		$1,121		$733		$357		$1		$1,091		$30		3%
Noninterest income		228		140		20		388		222		125		24		371		17		5
Total revenue		987		516		6		1,509		955		482		25		1,462		47		3
Noninterest expense		658		200		17		875		656		208		19		883		(8)		(1)
Profit (loss) before provision for credit losses		329		316		(11)		634		299		274		6		579		55		9
Provision for credit losses		66		9		10		85		72		(4)		10		78		7		9
Income (loss) before income tax expense (benefit)		263		307		(21)		549		227		278		(4)		501		48		10
Income tax expense (benefit)		66		70		(12)		124		57		63		(7)		113		11		10
Net income (loss)		$197		$237		($9)		$425		$170		$215		$3		$388		$37		10%
Average Balances
Total assets		$61,232		$52,170		$39,851		$153,253		$61,348		$50,393		$39,782		$151,523		$1,730		1%
Total loans and leases2		59,830		51,202		2,489		113,521		59,942		49,285		2,563		111,790		1,731		2
Deposits		77,402		30,214		7,526		115,142		75,416		30,766		7,241		113,423		1,719		2
Interest-earning assets		59,880		51,404		29,241		140,525		59,994		49,479		29,198		138,671		1,854		1
Key Metrics
Net interest margin		5.08%		2.93%		NM		3.18%		4.96%		2.93%		NM		3.16%		2 bps
Efficiency ratio		66.68		38.80		NM		57.95		68.72		43.07		NM		60.43		(248) bps
Loans-to-deposits ratio(period-end balances)2		77.03		168.14		NM		97.47		76.80		161.82		NM		96.97		50 bps
Loans-to-deposits ratio (average balances)2		77.30		169.47		NM		98.59		79.48		160.19		NM		98.56		3 bps
Return on average total tangible assets		1.29		1.82		NM		1.16		1.12		1.73		NM		1.08		8 bps

¹ Includes the financial impact ofnon-core, liquidating loan portfolios and othernon-core assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for credit losses and expenses, including income tax expense, not attributed to our Consumer Banking or Commercial Banking segments.

²  Includes loans and leases held for sale.

10

SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATING, CONTINUED

(in millions, except ratio data)

	SECOND QUARTER 2018								SECOND QUARTER 2017								CHANGE
																	2Q18 from 2Q17
	Consumer Banking		Commercial Banking		Other1		Consolidated		Consumer Banking		Commercial Banking		Other1		Consolidated		$/bps		%
Net interest income2		$759		$376		($14)		$1,121		$657		$344		$25		$1,026		$95		9%
Noninterest income		228		140		20		388		229		130		11		370		18		5
Total revenue		987		516		6		1,509		886		474		36		1,396		113		8
Noninterest expense		658		200		17		875		644		192		28		864		11		1
Profit (loss) before provision for credit losses		329		316		(11)		634		242		282		8		532		102		19
Provision for credit losses		66		9		10		85		60		1		9		70		15		21
Income (loss) before income tax expense (benefit)		263		307		(21)		549		182		281		(1)		462		87		19
Income tax expense (benefit)		66		70		(12)		124		64		94		(14)		144		(20)		(14)
Net income (loss)		$197		$237		($9)		$425		$118		$187		$13		$318		$107		34%
Average Balances
Total assets		$61,232		$52,170		$39,851		$153,253		$59,244		$49,731		$40,903		$149,878		$3,375		2%
Total loans and leases3		59,830		51,202		2,489		113,521		57,922		48,772		3,073		109,767		3,754		3
Deposits		77,402		30,214		7,526		115,142		75,107		28,744		6,939		110,790		4,352		4
Interest-earning assets		59,880		51,404		29,241		140,525		57,973		48,923		30,691		137,587		2,938		2
Key Metrics
Net interest margin		5.08%		2.93%		NM		3.18%		4.54%		2.82%		NM		2.97%		21 bps
Efficiency ratio		66.68		38.80		NM		57.95		72.64		40.48		NM		61.94		(399) bps
Loans-to-deposits ratio(period-end balances)3		77.03		168.14		NM		97.47		77.16		158.39		NM		96.60		87 bps
Loans-to-deposits ratio (average balances)3		77.30		169.47		NM		98.59		77.12		169.68		NM		99.08		(49) bps
Return on average total tangible assets		1.29		1.82		NM		1.16		0.80		1.51		NM		0.89		27 bps

¹ Includes the financial impact ofnon-core, liquidating loan portfolios and othernon-core assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for credit losses and expenses, including income tax expense, not attributed to our Consumer Banking or Commercial Banking segments.

²  We periodically evaluate and refine our methodologies used to allocate items among our business operating segments. In the first quarter of 2018, we enhanced our assumptions for the liquidity and deposit component within our Funds Transfer Pricing (“FTP”) methodology which provides a credit for sources of funds and a charge for the use of funds by each business operating segment. The enhancement largely provides increased credit for the stability of deposit composition, and an increased charge for unused commitments under lending arrangements. Prior periods have not been adjusted for this change.

³  Includes loans and leases held for sale.

11

SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATING, CONTINUED

(in millions, except ratio data)

	FOR THE SIX MONTHS ENDED JUNE 30, 2018								FOR THE SIX MONTHS ENDED JUNE 30, 2017								CHANGE
																	2018 from 2017
	Consumer Banking		Commercial Banking		Other1		Consolidated		Consumer Banking		Commercial Banking		Other1		Consolidated		$/bps		%
Net interest income2		$1,492		$733		($13)		$2,212		$1,295		$690		$46		$2,031		$181		9%
Noninterest income		450		265		44		759		449		264		36		749		10		1
Total revenue		1,942		998		31		2,971		1,744		954		82		2,780		191		7
Noninterest expense		1,314		408		36		1,758		1,291		382		45		1,718		40		2
Profit (loss) before provision for credit losses		628		590		(5)		1,213		453		572		37		1,062		151		14
Provision for credit losses		138		5		20		163		124		20		22		166		(3)		(2)
Income (loss) before income tax expense (benefit)		490		585		(25)		1,050		329		552		15		896		154		17
Income tax expense (benefit)		123		133		(19)		237		116		185		(43)		258		(21)		(8)
Net income (loss)		$367		$452		($6)		$813		$213		$367		$58		$638		$175		27%
Average Balances
Total assets		$61,290		$51,286		$39,817		$152,393		$58,954		$49,488		$40,893		$149,335		$3,058		2%
Total loans and leases3		59,886		50,249		2,525		112,660		57,617		48,465		3,129		109,211		3,449		3
Deposits		76,414		30,488		7,386		114,288		74,623		28,858		6,893		110,374		3,914		4
Interest-earning assets		59,937		50,447		29,219		139,603		57,668		48,605		30,729		137,002		2,601		2
Key Metrics
Net interest margin		5.02%		2.93%		NM		3.17%		4.53%		2.86%		NM		2.97%		20 bps
Efficiency ratio		67.68		40.86		NM		59.17		74.00		40.14		NM		61.81		(264) bps
Loans-to-deposits ratio(period-end balances)3		77.03		168.14		NM		97.47		77.16		158.39		NM		96.60		87 bps
Loans-to-deposits ratio (average balances)3		78.37		164.81		NM		98.58		77.21		167.94		NM		98.95		(37) bps
Return on average total tangible assets		1.21		1.78		NM		1.12		0.73		1.50		NM		0.90		22 bps

¹ Includes the financial impact ofnon-core, liquidating loan portfolios and othernon-core assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for credit losses and expenses, including income tax expense, not attributed to our Consumer Banking or Commercial Banking segments.

²  We periodically evaluate and refine our methodologies used to allocate items among our business operating segments. In the first quarter of 2018, we enhanced our assumptions for the liquidity and deposit component within our Funds Transfer Pricing (“FTP”) methodology which provides a credit for sources of funds and a charge for the use of funds by each business operating segment. The enhancement largely provides increased credit for the stability of deposit composition, and an increased charge for unused commitments under lending arrangements. Prior periods have not been adjusted for this change.

³  Includes loans and leases held for sale.

12

SEGMENT FINANCIAL HIGHLIGHTS - CONSUMER BANKING

(in millions, except ratio data)

	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
CONSUMER BANKING											2Q18 Change												2018 Change
	2Q18		1Q18		4Q17		3Q17		2Q17		1Q18				2Q17				2018		2017		2017
											$/bps		%		$/bps		%						$/bps		%
Net interest income1		$759		$733		$682		$674		$657		$26		4%		$102		16%		$1,492		$1,295		$197		15%
Noninterest income		228		222		229		227		229		6		3		(1)		–		450		449		1		–
Total revenue		987		955		911		901		886		32		3		101		11		1,942		1,744		198		11
Noninterest expense		658		656		654		648		644		2		–		14		2		1,314		1,291		23		2
Profit before provision for credit losses		329		299		257		253		242		30		10		87		36		628		453		175		39
Provision for credit losses		66		72		76		65		60		(6)		(8)		6		10		138		124		14		11
Income before income tax expense		263		227		181		188		182		36		16		81		45		490		329		161		49
Income tax expense		66		57		64		66		64		9		16		2		3		123		116		7		6
Net income		$197		$170		$117		$122		$118		$27		16%		$79		67%		$367		$213		$154		72%
Average Balances
Total assets		$61,232		$61,348		$60,911		$60,012		$59,244		($116)		–%		$1,988		3%		$61,290		$58,954		$2,336		4%
Total loans and leases2		59,830		59,942		59,547		58,679		57,922		(112)		–		1,908		3		59,886		57,617		2,269		4
Deposits		77,402		75,416		75,154		75,085		75,107		1,986		3		2,295		3		76,414		74,623		1,791		2
Interest-earning assets		59,880		59,994		59,598		58,729		57,973		(114)		–		1,907		3		59,937		57,668		2,269		4
Key Metrics
Net interest margin		5.08%		4.96%		4.54%		4.55%		4.54%		12 bps				54 bps				5.02%		4.53%		49 bps
Efficiency ratio		66.68		68.72		71.90		71.88		72.64		(204) bps				(596) bps				67.68		74.00		(632) bps
Loans-to-deposits ratio(period-end balances)2		77.03		76.80		79.49		78.59		77.16		23 bps				(13) bps				77.03		77.16		(13) bps
Loans-to-deposits ratio (average balances)2		77.30		79.48		79.23		78.15		77.12		(218) bps				18 bps				78.37		77.21		116 bps
Return on average total tangible assets		1.29		1.12		0.76		0.81		0.80		17 bps				49 bps				1.21		0.73		48 bps
Mortgage Banking Metrics
Total originations		$1,729		$1,367		$1,687		$1,875		$1,951		$362		26%		($222)		(11%)
Gain on sale of secondary originations3		2.24%		2.17%		2.47%		2.64%		2.52%		7 bps				(28) bps

¹  We periodically evaluate and refine our methodologies used to allocate items among our business operating segments. In the first quarter of 2018, we enhanced our assumptions for the liquidity and deposit component within our Funds Transfer Pricing (“FTP”) methodology which provides a credit for sources of funds and a charge for the use of funds by each business operating segment. The enhancement largely provides increased credit for the stability of deposit composition, and an increased charge for unused commitments under lending arrangements. Prior periods have not been adjusted for this change.

² Includes loans held for sale.

³  In the first quarter 2018, we revised our methodology to calculate the gain on sale of secondary originations. Prior periods have been adjusted to conform with the current period presentation.

13

SEGMENT FINANCIAL HIGHLIGHTS - COMMERCIAL BANKING

(in millions, except ratio data)

	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
COMMERCIAL BANKING											2Q18 Change												2018 Change
	2Q18		1Q18		4Q17		3Q17		2Q17		1Q18				2Q17				2018		2017		2017
											$/bps		%		$/bps		%						$/bps		%
Net interest income1		$376		$357		$367		$354		$344		$19		5%		$32		9%		$733		$690		$43		6%
Noninterest income		140		125		138		136		130		15		12		10		8		265		264		1		–
Total revenue		516		482		505		490		474		34		7		42		9		998		954		44		5
Noninterest expense		200		208		195		195		192		(8)		(4)		8		4		408		382		26		7
Profit before provision for credit losses		316		274		310		295		282		42		15		34		12		590		572		18		3
Provision for credit losses		9		(4)		(1)		–		1		13		NM		8		NM		5		20		(15)		(75)
Income before income tax expense		307		278		311		295		281		29		10		26		9		585		552		33		6
Income tax expense		70		63		105		94		94		7		11		(24)		(26)		133		185		(52)		(28)
Net income		$237		$215		$206		$201		$187		$22		10%		$50		27%		$452		$367		$85		23%
Average Balances
Total assets		$52,170		$50,393		$50,169		$49,833		$49,731		$1,777		4%		$2,439		5%		$51,286		$49,488		$1,798		4%
Total loans and leases2		51,202		49,285		48,938		48,746		48,772		1,917		4		2,430		5		50,249		48,465		1,784		4
Deposits		30,214		30,766		31,514		30,751		28,744		(552)		(2)		1,470		5		30,488		28,858		1,630		6
Interest-earning assets		51,404		49,479		49,118		48,875		48,923		1,925		4		2,481		5		50,447		48,605		1,842		4
Key Metrics
Net interest margin		2.93%		2.93%		2.96%		2.88%		2.82%		– bps				11 bps				2.93%		2.86%		7 bps
Efficiency ratio		38.80		43.07		38.84		39.39		40.48		(427) bps				(168) bps				40.86		40.14		72 bps
Loans-to-deposits ratio(period-end balances)2		168.14		161.82		152.77		160.45		158.39		632 bps				975 bps				168.14		158.39		NM
Loans-to-deposits ratio (average balances)2		169.47		160.19		155.29		158.52		169.68		928 bps				(21) bps				164.81		167.94		(313) bps
Return on average total tangible assets		1.82		1.73		1.62		1.60		1.51		9 bps				31 bps				1.78		1.50		28 bps

¹  We periodically evaluate and refine our methodologies used to allocate items among our business operating segments. In the first quarter of 2018, we enhanced our assumptions for the liquidity and deposit component within our Funds Transfer Pricing (“FTP”) methodology which provides a credit for sources of funds and a charge for the use of funds by each business operating segment. The enhancement largely provides increased credit for the stability of deposit composition, and an increased charge for unused commitments under lending arrangements. Prior periods have not been adjusted for this change.

²  Includes loans and leases held for sale.

14

SEGMENT FINANCIAL HIGHLIGHTS - OTHER

(in millions)

	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
OTHER1											2Q18 Change												2018 Change
	2Q18		1Q18		4Q17		3Q17		2Q17		1Q18				2Q17				2018		2017		2017
											$/bps		%		$/bps		%						$/bps		%
Net interest income2		($14)		$1		$31		$34		$25		($15)		NM		($39)		(156%)		($13)		$46		($59)		(128%)
Noninterest income		20		24		37		18		11		(4)		(17)		9		82		44		36		8		22
Total revenue		6��		25		68		52		36		(19)		(76)		(30)		(83)		31		82		(51)		(62)
Noninterest expense		17		19		49		15		28		(2)		(11)		(11)		(39)		36		45		(9)		(20)
(Loss) profit before provision for credit losses		(11)		6		19		37		8		(17)		NM		(19)		(238)		(5)		37		(42)		(114)
Provision for credit losses		10		10		8		7		9		—		—		1		11		20		22		(2)		(9)
(Loss) income before income tax (benefit) expense		(21)		(4)		11		30		(1)		(17)		NM		(20)		NM		(25)		15		(40)		NM
Income tax (benefit) expense		(12)		(7)		(332)		5		(14)		(5)		(71)		2		14		(19)		(43)		24		56
Net (loss) income		($9)		$3		$343		$25		$13		($12)		NM		($22)		(169%)		($6)		$58		($64)		(110%)
Average Balances
Total assets		$39,851		$39,782		$40,031		$40,167		$40,903		$69		—%		($1,052)		(3%)		$39,817		$40,893		($1,076)		(3%)
Total loans and leases3		2,489		2,563		2,732		2,796		3,073		(74)		(3)		(584)		(19)		2,525		3,129		(604)		(19)
Deposits		7,526		7,241		7,085		7,111		6,939		285		4		587		8		7,386		6,893		493		7
Interest-earning assets		29,241		29,198		29,713		29,875		30,691		43		—		(1,450)		(5)		29,219		30,729		(1,510)		(5)

¹ Includes the financial impact ofnon-core, liquidating loan portfolios and othernon-core assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for credit losses and expenses, including income tax expense, not attributed to our Consumer Banking or Commercial Banking segments.

²  We periodically evaluate and refine our methodologies used to allocate items among our business operating segments. In the first quarter of 2018, we enhanced our assumptions for the liquidity and deposit component within our Funds Transfer Pricing (“FTP”) methodology which provides a credit for sources of funds and a charge for the use of funds by each business operating segment. The enhancement largely provides increased credit for the stability of deposit composition, and an increased charge for unused commitments under lending arrangements. Prior periods have not been adjusted for this change.

³  Includes loans and leases held for sale.

15

SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATED

(in millions, except ratio data)

	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
CONSOLIDATED											2Q18 Change												2018 Change
	2Q18		1Q18		4Q17		3Q17		2Q17		1Q18				2Q17				2018		2017		2017
											$/bps		%		$/bps		%						$/bps		%
Net interest income		$1,121		$1,091		$1,080		$1,062		$1,026		$30		3%		$95		9%		$2,212		$2,031		$181		9%
Noninterest income		388		371		404		381		370		17		5		18		5		759		749		10		1
Total revenue		1,509		1,462		1,484		1,443		1,396		47		3		113		8		2,971		2,780		191		7
Noninterest expense		875		883		898		858		864		(8)		(1)		11		1		1,758		1,718		40		2
Profit before provision for credit losses		634		579		586		585		532		55		9		102		19		1,213		1,062		151		14
Provision for credit losses		85		78		83		72		70		7		9		15		21		163		166		(3)		(2)
Income before income tax expense (benefit)		549		501		503		513		462		48		10		87		19		1,050		896		154		17
Income tax expense (benefit)		124		113		(163)		165		144		11		10		(20)		(14)		237		258		(21)		(8)
Net income		$425		$388		$666		$348		$318		$37		10%		$107		34%		$813		$638		$175		27%
Average Balances
Total assets		$153,253		$151,523		$151,111		$150,012		$149,878		$1,730		1%		$3,375		2%		$152,393		$149,335		$3,058		2%
Total loans and leases1		113,521		111,790		111,217		110,221		109,767		1,731		2		3,754		3		112,660		109,211		3,449		3
Deposits		115,142		113,423		113,753		112,947		110,790		1,719		2		4,352		4		114,288		110,374		3,914		4
Interest-earning assets		140,525		138,671		138,429		137,479		137,587		1,854		1		2,938		2		139,603		137,002		2,601		2
Key Metrics
Net interest margin		3.18%		3.16%		3.08%		3.05%		2.97%		2 bps				21 bps				3.17%		2.97%		20 bps
Efficiency ratio		57.95		60.43		60.52		59.41		61.94		(248) bps				(399) bps				59.17		61.81		(264) bps
Loans-to-deposits ratio(period-end balances)1		97.47		96.97		96.74		98.36		96.60		50 bps				87 bps				97.47		96.60		87 bps
Loans-to-deposits ratio (average balances)1		98.59		98.56		97.77		97.59		99.08		3 bps				(49) bps				98.58		98.95		(37) bps
Return on average total tangible assets		1.16		1.08		1.83		0.96		0.89		8 bps				27 bps				1.12		0.90		22 bps

¹Includes loans and leases held for sale.

16

CREDIT-RELATED INFORMATION

(in millions)

	AS OF										JUNE 30, 2018 CHANGE
	June 30, 2018		Mar 31, 2018		Dec 31, 2017		Sept 30, 2017		June 30, 2017		Mar 31, 2018				June 30, 2017
											$		%		$		%
CREDIT EXPOSURE:
Loans and leases:
Commercial		$39,278		$38,277		$37,562		$37,706		$37,329		$1,001		3%		$1,949		5%
Commercial real estate		12,528		11,775		11,308		11,426		11,213		753		6		1,315		12
Leases		3,082		3,092		3,161		3,249		3,346		(10)		–		(264)		(8)
Total commercial loans and leases		54,888		53,144		52,031		52,381		51,888		1,744		3		3,000		6
Residential mortgages		17,814		17,346		17,045		16,619		16,082		468		3		1,732		11
Home equity loans		1,211		1,298		1,392		1,483		1,606		(87)		(7)		(395)		(25)
Home equity lines of credit		13,014		13,190		13,483		13,555		13,696		(176)		(1)		(682)		(5)
Home equity loans serviced by others1		465		504		542		599		647		(39)		(8)		(182)		(28)
Home equity lines of credit serviced by others1		124		136		149		166		182		(12)		(9)		(58)		(32)
Automobile		12,517		12,794		13,204		13,311		13,449		(277)		(2)		(932)		(7)
Education		8,450		8,324		8,134		8,014		7,720		126		2		730		9
Credit card		1,877		1,808		1,848		1,754		1,711		69		4		166		10
Other retail		3,047		2,881		2,789		2,269		2,065		166		6		982		48
Total retail loans		58,519		58,281		58,586		57,770		57,158		238		–		1,361		2
Total loans and leases		113,407		111,425		110,617		110,151		109,046		1,982		2		4,361		4
Derivative receivable:
Derivative receivable - commercial		217		268		611		588		399		(51)		(19)		(182)		(46)
Derivative receivable - retail		7		6		6		8		9		1		17		(2)		(22)
Total derivative receivable		224		274		617		596		408		(50)		(18)		(184)		(45)
Total credit-related assets		113,631		111,699		111,234		110,747		109,454		1,932		2		4,177		4
Lending-related arrangements:
Undrawn commitments to extend credit - commercial		37,657		35,915		35,745		34,871		34,962		1,742		5		2,695		8
Financial standby letters of credit		1,974		1,966		2,036		2,080		2,053		8		–		(79)		(4)
Performance letters of credit		120		109		47		42		41		11		10		79		193
Commercial letters of credit		56		43		53		68		66		13		30		(10)		(15)
Marketing rights		39		41		41		41		42		(2)		(5)		(3)		(8)
Risk participation agreements		14		18		16		20		22		(4)		(22)		(8)		(36)
Total commercial lending-related arrangements		39,860		38,092		37,938		37,122		37,186		1,768		5		2,674		7
Undrawn commitments to extend credit - retail		27,732		27,192		27,214		27,063		27,026		540		2		706		3
Residential mortgage loans sold with recourse		6		6		7		7		8		–		–		(2)		(25)
Total retail lending-related arrangements		27,738		27,198		27,221		27,070		27,034		540		2		704		3
Total lending-related arrangements		67,598		65,290		65,159		64,192		64,220		2,308		4		3,378		5
Total credit exposure		$181,229		$176,989		$176,393		$174,939		$173,674		$4,240		2%		$7,555		4%
Memo: Total credit exposure by product:
Commercial exposure		$94,965		$91,504		$90,580		$90,091		$89,473		$3,461		4%		$5,492		6%
Retail exposure		86,264		85,485		85,813		84,848		84,201		779		1		2,063		2
Total credit exposure		$181,229		$176,989		$176,393		$174,939		$173,674		$4,240		2%		$7,555		4%

¹ Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others.

17

CREDIT-RELATED INFORMATION, CONTINUED

(in millions, except ratio data)

	AS OF										JUNE 30, 2018 CHANGE
	June 30, 2018		Mar 31, 2018		Dec 31, 2017		Sept 30, 2017		June 30, 2017		Mar 31, 2018				June 30, 2017
											$/bps		%		$/bps		%
NONPERFORMING ASSETS:
Commercial		$249		$244		$238		$297		$376		$5		2%		($127)		(34%)
Commercial real estate		31		30		27		28		38		1		3		(7)		(18)
Leases		–		–		–		–		–		–		–		–		–
Total commercial loans and leases		280		274		265		325		414		6		2		(134)		(32)
Residential mortgages		119		128		128		124		135		(9)		(7)		(16)		(12)
Home equity loans		59		66		72		76		81		(7)		(11)		(22)		(27)
Home equity lines of credit		225		235		233		236		235		(10)		(4)		(10)		(4)
Home equity loans serviced by others1		19		23		25		26		27		(4)		(17)		(8)		(30)
Home equity lines of credit serviced by others1		17		17		18		21		25		–		–		(8)		(32)
Automobile		62		60		70		66		55		2		3		7		13
Education		40		41		38		38		35		(1)		(2)		5		14
Credit card		17		18		17		15		15		(1)		(6)		2		13
Other retail		7		6		5		5		3		1		17		4		133
Total retail loans		565		594		606		607		611		(29)		(5)		(46)		(8)
Nonperforming loans and leases		845		868		871		932		1,025		(23)		(3)		(180)		(18)
Other nonperforming assets - Retail		29		34		36		37		37		(5)		(15)		(8)		(22)
Nonperforming assets		$874		$902		$907		$969		$1,062		($28)		(3%)		($188)		(18%)
NONPERFORMING ASSETS BY PRODUCT:
Commercial		$280		$274		$265		$325		$414		$6		2%		($134)		(32%)
Retail		594		628		642		644		648		(34)		(5)		(54)		(8)
Total nonperforming assets		$874		$902		$907		$969		$1,062		($28)		(3%)		($188)		(18%)
ASSET QUALITY RATIOS:
Allowance for loan and lease losses to loans and leases		1.10%		1.12%		1.12%		1.11%		1.12%		(2) bps				(2) bps
Allowance for loan and lease losses to nonperforming loans and leases		148.20		143.60		141.96		131.35		118.98		460 bps				NM
Nonperforming loans and leases to loans and leases		0.75		0.78		0.79		0.85		0.94		(3) bps				(19) bps
Nonperforming assets to total assets		0.56		0.59		0.60		0.64		0.70		(3) bps				(14) bps

¹ Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others.

18

CREDIT-RELATED INFORMATION, CONTINUED

(in millions)

	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
											2Q18 Change												2018 Change
	2Q18		1Q18		4Q17		3Q17		2Q17		1Q18				2Q17				2018		2017		2017
											$		%		$		%						$		%
CHARGE-OFFS, RECOVERIES AND RELATED RATIOS
GROSS CHARGE-OFFS:
Commercial		$14		$3		$15		$3		$24		$11		NM		($10)		(42%)		$17		$44		($27)		(61%)
Commercial real estate		–		–		–		9		–		–		–		–		–		–		4		(4)		(100)
Leases		–		–		–		–		–		–		–		–		–		–		–		–		–
Total commercial loans and leases		14		3		15		12		24		11		NM		(10)		(42)		17		48		(31)		(65)
Residential mortgages		2		2		2		3		3		–		–		(1)		(33)		4		6		(2)		(33)
Home equity loans		1		3		2		4		3		(2)		(67)		(2)		(67)		4		5		(1)		(20)
Home equity lines of credit		7		7		7		8		9		–		–		(2)		(22)		14		19		(5)		(26)
Home equity loans serviced by others1		2		3		3		3		4		(1)		(33)		(2)		(50)		5		9		(4)		(44)
Home equity lines of credit serviced by others1		1		1		–		1		1		–		–		–		–		2		4		(2)		(50)
Automobile		36		46		50		46		41		(10)		(22)		(5)		(12)		82		85		(3)		(4)
Education		19		15		19		13		14		4		27		5		36		34		27		7		26
Credit card		18		16		15		15		15		2		13		3		20		34		31		3		10
Other retail		20		20		18		15		14		–		–		6		43		40		27		13		48
Total retail loans		106		113		116		108		104		(7)		(6)		2		2		219		213		6		3
Total gross charge-offs		$120		$116		$131		$120		$128		$4		3%		($8)		(6%)		$236		$261		($25)		(10%)
GROSS RECOVERIES:
Commercial		$2		$5		$13		$12		$7		($3)		(60%)		($5)		(71%)		$7		$12		($5)		(42%)
Commercial real estate		–		1		–		–		3		(1)		(100)		(3)		(100)		1		3		(2)		(67)
Leases		–		–		–		–		–		–		–		–		–		–		–		–		–
Total commercial loans and leases		2		6		13		12		10		(4)		(67)		(8)		(80)		8		15		(7)		(47)
Residential mortgages		1		2		1		2		2		(1)		(50)		(1)		(50)		3		3		–		–
Home equity loans		4		3		3		4		3		1		33		1		33		7		6		1		17
Home equity lines of credit		4		4		4		4		4		–		–		–		–		8		8		–		–
Home equity loans serviced by others1		3		4		4		5		5		(1)		(25)		(2)		(40)		7		9		(2)		(22)
Home equity lines of credit serviced by others1		2		1		1		2		2		1		100		–		–		3		4		(1)		(25)
Automobile		18		18		18		18		19		–		–		(1)		(5)		36		37		(1)		(3)
Education		4		4		5		3		3		–		–		1		33		8		7		1		14
Credit card		3		1		1		2		2		2		200		1		50		4		4		–		–
Other retail		3		3		3		3		3		–		–		–		–		6		6		–		–
Total retail loans		42		40		40		43		43		2		5		(1)		(2)		82		84		(2)		(2)
Total gross recoveries		$44		$46		$53		$55		$53		($2)		(4%)		($9)		(17%)		$90		$99		($9)		(9%)
NET CHARGE-OFFS (RECOVERIES):
Commercial		$12		($2)		$2		($9)		$17		$14		NM		($5)		(29%)		$10		$32		($22)		(69%)
Commercial real estate		–		(1)		–		9		(3)		1		100		3		100		(1)		1		(2)		(200)
Leases		–		–		–		–		–		–		–		–		–		–		–		–		–
Total commercial loans and leases		12		(3)		2		–		14		15		NM		(2)		(14)		9		33		(24)		(73)
Residential mortgages		1		–		1		1		1		1		100		–		–		1		3		(2)		(67)
Home equity loans		(3)		–		(1)		–		–		(3)		100		(3)		100		(3)		(1)		(2)		(200)
Home equity lines of credit		3		3		3		4		5		–		–		(2)		(40)		6		11		(5)		(45)
Home equity loans serviced by others1		(1)		(1)		(1)		(2)		(1)		–		–		–		–		(2)		–		(2)		100
Home equity lines of credit serviced by others1		(1)		–		(1)		(1)		(1)		(1)		100		–		–		(1)		–		(1)		100
Automobile		18		28		32		28		22		(10)		(36)		(4)		(18)		46		48		(2)		(4)
Education		15		11		14		10		11		4		36		4		36		26		20		6		30
Credit card		15		15		14		13		13		–		–		2		15		30		27		3		11
Other retail		17		17		15		12		11		–		–		6		55		34		21		13		62
Total retail loans		64		73		76		65		61		(9)		(12)		3		5		137		129		8		6
Total net charge-offs (recoveries)		$76		$70		$78		$65		$75		$6		9%		$1		1%		$146		$162		($16)		(10%)

¹Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others.

19

CREDIT-RELATED INFORMATION, CONTINUED

(in millions, except rates)

	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
											2Q18 Change												2018 Change
	2Q18		1Q18		4Q17		3Q17		2Q17		1Q18				2Q17				2018		2017		2017
											$/bps		%		$/bps		%						$/bps		%
ANNUALIZED NETCHARGE-OFF (RECOVERY) RATES
Commercial		0.12%		(0.02%)		0.02%		(0.09%)		0.17%		14 bps				(5) bps				0.05%		0.17%		(12) bps
Commercial real estate		–		(0.02)		(0.01)		0.33		(0.10)		2 bps				10 bps				(0.01)		0.01		(2) bps
Leases		–		(0.01)		–		–		–		1 bps				– bps				–		–		– bps
Total commercial loans and leases		0.09		(0.02)		0.01		0.01		0.10		11 bps				(1) bps				0.03		0.13		(10) bps
Residential mortgages		0.02		–		0.01		0.03		0.02		2 bps				– bps				0.01		0.04		(3 ) bps
Home equity loans		(0.71)		0.04		(0.40)		(0.05)		0.07		(75) bps				(78) bps				(0.33)		(0.07)		(26) bps
Home equity lines of credit		0.10		0.10		0.07		0.12		0.16		– bps				(6) bps				0.10		0.16		(6) bps
Home equity loans serviced by others1		(1.53)		(0.62)		(0.92)		(0.99)		(0.58)		(91) bps				(95) bps				(1.06)		(0.09)		(97) bps
Home equity lines of credit serviced by others1		(3.33)		0.31		(1.01)		(2.51)		(0.02)		(364) bps				(331) bps				(1.44)		0.27		(171) bps
Automobile		0.57		0.87		0.95		0.83		0.65		(30) bps				(8) bps				0.72		0.71		1 bps
Education		0.72		0.53		0.75		0.48		0.56		19 bps				16  bps				0.63		0.56		7 bps
Credit card		3.36		3.22		2.95		2.93		3.20		14 bps				16  bps				3.29		3.28		1 bps
Other retail		2.31		2.40		2.50		2.13		2.29		(9) bps				2  bps				2.35		2.29		6 bps
Total retail loans		0.44		0.50		0.52		0.44		0.44		(6) bps				–  bps				0.47		0.47		– bps
Total loans and leases		0.27%		0.26%		0.28%		0.24%		0.28%		1 bps				(1) bps				0.26%		0.30%		(4) bps
Memo: Average loans:
Commercial		$39,399		$37,960		$37,713		$37,448		$37,846		$1,439		4%		$1,553		4%		$38,683		$37,682		$1,001		3%
Commercial real estate		12,071		11,549		11,396		11,401		11,086		522		5		985		9		11,812		10,955		857		8
Leases		3,073		3,114		3,201		3,302		3,557		(41)		(1)		(484)		(14)		3,093		3,626		(533)		(15)
Total commercial loans and leases		54,543		52,623		52,310		52,151		52,489		1,920		4		2,054		4		53,588		52,263		1,325		3
Residential mortgages		17,488		17,162		16,794		16,323		15,646		326		2		1,842		12		17,326		15,466		1,860		12
Home equity loans		1,252		1,342		1,437		1,547		1,668		(90)		(7)		(416)		(25)		1,297		1,730		(433)		(25)
Home equity lines of credit		13,112		13,353		13,501		13,608		13,765		(241)		(2)		(653)		(5)		13,232		13,860		(628)		(5)
Home equity loans serviced by others1		480		520		564		618		668		(40)		(8)		(188)		(28)		500		693		(193)		(28)
Home equity lines of credit serviced by others1		130		142		156		173		188		(12)		(8)		(58)		(31)		136		198		(62)		(31)
Automobile		12,657		13,015		13,277		13,349		13,574		(358)		(3)		(917)		(7)		12,835		13,672		(837)		(6)
Education		8,374		8,283		8,071		7,814		7,490		91		1		884		12		8,329		7,165		1,164		16
Credit card		1,854		1,828		1,803		1,738		1,693		26		1		161		10		1,841		1,679		162		10
Other retail		2,966		2,847		2,537		2,163		1,959		119		4		1,007		51		2,906		1,880		1,026		55
Total retail loans		58,313		58,492		58,140		57,333		56,651		(179)		–		1,662		3		58,402		56,343		2,059		4
Total loans and leases		$112,856		$111,115		$110,450		$109,484		$109,140		$1,741		2%		$3,716		3%		$111,990		$108,606		$3,384		3%

¹Our SBO portfolio consists of purchased loans and lines of credit that were originally serviced by others.

20

CREDIT-RELATED INFORMATION, CONTINUED

(in millions)

	QUARTERLY TRENDS																			FOR THE SIX MONTHS ENDED JUNE 30,
											2Q18 Change													2018 Change
	2Q18		1Q18		4Q17		3Q17		2Q17		1Q18					2Q17				2018		2017		2017
											$			%		$		%						$		%
SUMMARY OF CHANGES IN THE COMPONENTS OF THE ALLOWANCE FOR CREDIT LOSSES
Allowance for loan and lease losses - beginning		$1,246		$1,236		$1,224		$1,219		$1,224		$10			1%		$22		2%		$1,236		$1,236		$—		—%
Charge-offs:
Commercial		14		3		15		12		24		11	��		NM		(10)		(42)		17		48		(31)		(65)
Retail		106		113		116		108		104		(7)			(6)		2		2		219		213		6		3
Total charge-offs		120		116		131		120		128		4			3		(8)		(6)		236		261		(25)		(10)
Recoveries:
Commercial		2		6		13		12		10		(4)			(67)		(8)		(80)		8		15		(7)		(47)
Retail		42		40		40		43		43		2			5		(1)		(2)		82		84		(2)		(2)
Total recoveries		44		46		53		55		53		(2)			(4)		(9)		(17)		90		99		(9)		(9)
Net charge-offs		76		70		78		65		75		6			9		1		1		146		162		(16)		(10)
Provision for loan and lease losses:
Commercial		16		23		49		24		(25)		(7)			(30)		41		164		39		(16)		55		NM
Retail		67		57		41		46		95		10			18		(28)		(29)		124		161		(37)		(23)
Total provision for loan and lease losses		83		80		90		70		70		3			4		13		19		163		145		18		12
Allowance for loan and lease losses - ending		$1,253		$1,246		$1,236		$1,224		$1,219		$7			1%		$34		3%		$1,253		$1,219		$34		3%
Reserve for unfunded lending commitments - beginning		$86		$88		$95		$93		$93		($2)			(2%)		($7)		(8%)		$88		$72		$16		22%
Provision for unfunded lending commitments		2		(2)		(7)		2		—		4			200		2		100		—		21		(21)		(100)
Reserve for unfunded lending commitments - ending		$88		$86		$88		$95		$93		$2			2%		($5)		(5%)		$88		$93		($5)		(5%)
Total allowance for credit losses - ending		$1,341		$1,332		$1,324		$1,319		$1,312		$9			1%		$29		2%		$1,341		$1,312		$29		2%
Memo: Total allowance for credit losses by product:
Commercial		$803		$797		$773		$733		$707		$6			1%		$96		14%		$803		$707		$96		14%
Retail		538		535		551		586		605		3			1		(67)		(11)		538		605		(67)		(11)
Total allowance for credit losses		$1,341		$1,332		$1,324		$1,319		$1,312		$9			1%		$29		2%		$1,341		$1,312		$29		2%

21

CAPITAL AND RATIOS

(in millions, except ratio data)

	AS OF																				FOR THE SIX MONTHS ENDED JUNE 30,
											JUNE 30, 2018 CHANGE														2018 Change
	June 30, 2018		Mar 31, 2018		Dec 31, 2017		Sept 30, 2017		June 30, 2017		Mar 31, 2018					June 30, 2017					2018		2017		2017
											$		%			$		%							$		%
CAPITAL RATIOS AND COMPONENTS (PRELIMINARY)1:
CET1 capital		$14,604		$14,425		$14,309		$14,093		$14,057		$179		1	%		$547		4	%
Tier 1 capital		15,147		14,672		14,556		14,340		14,304		475		3			843		6
Total capital		18,056		17,905		17,781		17,560		17,586		151		1			470		3
Risk-weighted assets		130,621		129,066		127,692		127,203		125,774		1,555		1			4,847		4
Adjusted average assets2		148,341		146,441		145,601		144,500		144,404		1,900		1			3,937		3
CET1 capital ratio		11.2%		11.2%		11.2%		11.1%		11.2%
Tier 1 capital ratio		11.6		11.4		11.4		11.3		11.4
Total capital ratio		13.8		13.9		13.9		13.8		14.0
Tier 1 leverage ratio		10.2		10.0		10.0		9.9		9.9
TANGIBLE COMMON EQUITY(PERIOD-END):
Common stockholders’ equity		$19,924		$19,812		$20,023		$19,862		$19,817		$112		1	%		$107		1%			$19,924		$19,817		$107		1%
Less: Goodwill		6,887		6,887		6,887		6,887		6,887		—		—			—		—			6,887		6,887		—		—
Less: Other intangible assets		2		2		2		2		2		—		—			—		—			2		2		—		—
Add: Deferred tax liabilities3		359		357		355		539		535		2		1			(176)		(33)			359		535		(176)		(33)
Total tangible common equity		$13,394		$13,280		$13,489		$13,512		$13,463		$114		1	%		($69)		(1%)			$13,394		$13,463		($69)		(1%)
TANGIBLE COMMON EQUITY (AVERAGE):
Common stockholders’ equity		$19,732		$19,732		$19,624		$19,728		$19,659		$—		—	%		$73		—%			$19,732		$19,560		$172		1%
Less: Goodwill		6,887		6,887		6,887		6,887		6,882		—		—			5		—			6,887		6,879		8		—
Less: Other intangible assets		2		2		2		2		2		—		—			—		—			2		1		1		100
Add: Deferred tax liabilities3		357		355		531		537		534		2		1			(177)		(33)			356		533		(177)		(33)
Total tangible common equity		$13,200		$13,198		$13,266		$13,376		$13,309		$2		—	%		($109)		(1%)			$13,199		$13,213		($14)		—%
INTANGIBLE ASSETS(PERIOD-END):
Goodwill		$6,887		$6,887		$6,887		$6,887		$6,887		$—		—	%		$—		—%			$6,887		$6,887		$—		—%
Other intangible assets		2		2		2		2		2		—		—			—		—			2		2		—		—
Total intangible assets		$6,889		$6,889		$6,889		$6,889		$6,889		$—		—	%		$—		—%			$6,889		$6,889		$—		—%

¹ The December 31, 2017 capital ratios reflect the retrospective adoption of FASB ASU2018-02,Income Statement-Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated OtherComprehensive Income.

² Adjusted average assets include quarterly average assets, less deductions for disallowed goodwill and other intangible assets, net of deferred tax liabilities related to tax deductible goodwill, and the accumulated other comprehensive income impact related to the adoption of post-retirement benefit plan guidance under GAAP.

³Deferred tax liabilities relate totax-deductible goodwill, which is netted against goodwill when calculating tangible common equity.

22

KEY PERFORMANCE METRICS,NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS

(in millions, except share,per-share and ratio data)

Key Performance Metrics:

Our management team uses key performance metrics (KPMs) to gauge our performance and progress over time in achieving our strategic and operational goals and also in comparing our performance against our peers. We have established the following financial targets, in addition to others, as KPMs, which are utilized by our management in measuring our progress against financial goals and as a tool in helping assess performance for compensation purposes. These KPMs can largely be found in our periodic reports which are filed with the Securities and Exchange Commission, and are supplemented from time to time with additional information in connection with our quarterly earnings releases.

Our key performance metrics include:

Return on average tangible common equity (ROTCE);

Return on average total tangible assets (ROTA);

Efficiency ratio;

Operating leverage; and

Common equity tier 1 capital ratio.

In establishing goals for these KPMs, we determined that they would be measured on a management-reporting basis, or an operating basis, which we refer to externally as “Underlying” results. We believe that these “Underlying” results provide the best representation of our financial progress toward these goals as they exclude items that our management does not consider indicative of ouron-going financial performance. KPMs that contain “Underlying” results are considerednon-GAAP financial measures.

Non-GAAP Financial Measures:

This document containsnon-GAAP financial measures. The following tables present reconciliations of ournon-GAAP measures. These reconciliations exclude “Underlying” items, which are included, where applicable, in the financial results presented in accordance with GAAP. “Underlying” results, which arenon-GAAP measures, exclude certain items, as applicable, that may occur in a reporting period which management does not consider indicative ofon-going financial performance.

Thenon-GAAP measures presented in the following tables include reconciliations to the most directly comparable GAAP measures and are: “noninterest income”, “total revenue”, “noninterest expense”,“pre-provision profit”, “total credit-related costs”, “income before income tax expense”, “income tax expense”, “effective income tax rate”, “net income”, “net income available to common stockholders”, “other income”, “salaries and employee benefits”, “outside services”, “other operating expense”, “net income per average common share”, “return on average common equity” and “return on average total assets”.

We believe thesenon-GAAP measures provide useful information to investors because these are among the measures used by our management team to evaluate our operating performance and makeday-to-day operating decisions. In addition, we believe our “Underlying” results in any period reflect our operational performance in that period and, accordingly, it is useful to consider our GAAP results and our “Underlying” results together. We believe this presentation also increases comparability ofperiod-to-period results.

Other companies may use similarly titlednon-GAAP financial measures that are calculated differently from the way we calculate such measures. Accordingly, ournon-GAAP financial measures may not be comparable to similar measures used by other companies. We caution investors not to place undue reliance on suchnon-GAAP measures, but instead to consider them with the most directly comparable GAAP measure.Non-GAAP financial measures have limitations as analytical tools, and should not be considered in isolation, or as a substitute for our results as reported under GAAP.

23

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS (CONTINUED)

(in millions, except share, per-share and ratio data)

		QUARTERLY TRENDS																			FOR THE SIX MONTHS ENDED JUNE 30,
													2Q18 Change												2018 Change
		2Q18			1Q18		4Q17		3Q17		2Q17		1Q18				2Q17				2018		2017		2017
													$		%		$		%						$		%
Noninterest income, Underlying:
Noninterest income (GAAP)			$388			$371		$404		$381		$370		$17		5%		$18		5%		$759		$749		$10		1%
Less: Notable items			–			–		17		–		(11)		–		–		11		100		–		(11)		11		100
Noninterest income, Underlying(non-GAAP)			$388			$371		$387		$381		$381		$17		5%		$7		2%		$759		$760		($1)		—%
Total revenue, Underlying:
Total revenue (GAAP)	A		$1,509	��		$1,462		$1,484		$1,443		$1,396		$47		3%		$113		8%		$2,971		$2,780		$191		7%
Less: Notable items			–			–		17		–		(11)		–		–		11		100		–		(11)		11		100
Total revenue, Underlying(non-GAAP)	B		$1,509			$1,462		$1,467		$1,443		$1,407		$47		3%		$102		7%		$2,971		$2,791		$180		6%
Noninterest expense, Underlying:
Noninterest expense (GAAP)	C		$875			$883		$898		$858		$864		($8)		(1%)		$11		1%		$1,758		$1,718		$40		2%
Less: Notable items			–			–		40		–		15		–		–		(15)		(100)		–		15		(15)		(100)
Noninterest expense, Underlying(non-GAAP)	D		$875			$883		$858		$858		$849		($8)		(1%)		$26		3%		$1,758		$1,703		$55		3%
Pre-provision profit:
Total revenue (GAAP)	A		$1,509			$1,462		$1,484		$1,443		$1,396		$47		3%		$113		8%		$2,971		$2,780		$191		7%
Less: Noninterest expense (GAAP)	C		875			883		898		858		864		(8)		(1)		11		1		1,758		1,718		40		2
Pre-provision profit (GAAP)			$634			$579		$586		$585		$532		$55		9%		$102		19%		$1,213		$1,062		$151		14%
Pre-provision profit, Underlying:
Total revenue, Underlying(non-GAAP)	B		$1,509			$1,462		$1,467		$1,443		$1,407		$47		3%		$102		7%		$2,971		$2,791		$180		6%
Less: Noninterest expense, Underlying(non-GAAP)	D		875			883		858		858		849		(8)		(1)		26		3		1,758		1,703		55		3
Pre-provision profit, Underlying(non-GAAP)			$634			$579		$609		$585		$558		$55		9%		$76		14%		$1,213		$1,088		$125		11%
Total credit-related costs, Underlying:
Provision for credit losses (GAAP)			$85			$78		$83		$72		$70		$7		9%		$15		21%		$163		$166		($3)		(2%)
Add: Lease impairment credit-related costs			–			–		–		–		26		–		–		(26)		(100)		–		26		(26)		(100)
Total credit-related costs, Underlying(non-GAAP)			$85			$78		$83		$72		$96		$7		9%		($11)		(11%)		$163		$192		($29)		(15%)
Income before income tax expense, Underlying:
Income before income tax expense (GAAP)	E		$549			$501		$503		$513		$462		$48		10%		$87		19%		$1,050		$896		$154		17%
Less: Income before income tax expense (benefit) related to notable items			–			–		(23)		–		–		–		–		–		–		–		–		–		–
Income before income tax expense, Underlying  (non-GAAP)	F		$549			$501		$526		$513		$462		$48		10%		$87		19%		$1,050		$896		$154		17%
Income tax expense, Underlying:
Income tax expense (benefit) (GAAP)	G		$124			$113		($163)		$165		$144		$11		10%		($20)		(14%)		$237		$258		($21)		(8%)
Less: Income tax expense (benefit) related to notable items			–			–		(340)		–		–		–		–		–		–		–		(23)		23		100
Income tax expense, Underlying(non-GAAP)	H		$124			$113		$177		$165		$144		$11		10%		($20)		(14%)		$237		$281		($44)		(16%)
Net income, Underlying:
Net income (GAAP)	I		$425			$388		$666		$348		$318		$37		10%		$107		34%		$813		$638		$175		27%
Add: Notable items, net of income tax expense (benefit)			–			–		(317)		–		–		–		–		–		–		–		(23)		23		100
Net income, Underlying(non-GAAP)	J		$425			$388		$349		$348		$318		$37		10%		$107		34%		$813		$615		$198		32%
Net income available to common stockholders, Underlying:
Net income available to common stockholders (GAAP)	K		$425			$381		$666		$341		$318		$44		12%		$107		34%		$806		$631		$175		28%
Add: Notable items, net of income tax expense (benefit)			–			–		(317)		–		–		–		–		–		–		–		(23)		23		100
Net income available to common stockholders, Underlying  (non-GAAP)	L		$425			$381		$349		$341		$318		$44		12%		$107		34%		$806		$608		$198		33%

24

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS (CONTINUED)

(in millions, except share, per-share and ratio data)

		QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
												2Q18 Change												2018 Change
		2Q18		1Q18		4Q17		3Q17		2Q17		1Q18				2Q17				2018		2017		2017
												$/bps		%		$/bps		%						$/bps		%
Operating leverage:
Total revenue (GAAP)	A		$1,509		$1,462		$1,484		$1,443		$1,396		$47		3.33%		$113		8.15%		$2,971		$2,780		$191		6.86%
Less: Noninterest expense (GAAP)	C		875		883		898		858		864		(8)		(0.91)		11		1.19		1,758		1,718		40		2.30
Operating leverage															4.24%				6.96%								4.56%
Operating leverage, Underlying:
Total revenue, Underlying (non-GAAP)	B		$1,509		$1,462		$1,467		$1,443		$1,407		$47		3.33%		$102		7.29%		$2,971		$2,791		$180		6.43%
Less: Noninterest expense, Underlying (non-GAAP)	D		875		883		858		858		849		(8)		(0.91)		26		3.01		1,758		1,703		55		3.22
Operating leverage, Underlying (non-GAAP)															4.24%				4.28%								3.21%
Efficiency ratio and efficiency ratio, Underlying:
Efficiency ratio	C/A		57.95%		60.43%		60.52%		59.41%		61.94%		(248) bps				(399) bps				59.17%		61.81%		(264) bps
Efficiency ratio, Underlying (non-GAAP)	D/B		57.95		60.43		58.50		59.41		60.36		(248) bps				(241) bps				59.17		61.02		(185) bps
Effective income tax rate and effective income tax rate,Underlying:
Effective income tax rate	G/E		22.58%		22.52%		(32.40%)		32.18%		31.13%		6 bps				(855) bps				22.55%		28.82%		(627) bps
Effective income tax rate, Underlying	H/F		22.58		22.52		33.68		32.18		31.13		6 bps				(855) bps				22.55		31.34		(879) bps
Return on average common equity and return on averagecommon equity, Underlying:
Average common equity (GAAP)	M		$19,732		$19,732		$19,624		$19,728		$19,659		$–		–%		$73		–%		$19,732		$19,560		$172		1%
Return on average common equity	K/M		8.65%		7.83%		13.46%		6.87%		6.48%		82 bps				217 bps				8.24%		6.50%		174 bps
Return on average common equity, Underlying (non-GAAP)	L/M		8.65		7.83		7.05		6.87		6.48		82 bps				217 bps				8.24		6.27		197 bps
Return on average tangible common equity and return onaverage tangible common equity, Underlying:
Average common equity (GAAP)	M		$19,732		$19,732		$19,624		$19,728		$19,659		$–		–%		$73		–%		$19,732		$19,560		$172		1%
Less: Average goodwill (GAAP)			6,887		6,887		6,887		6,887		6,882		–		–		5		–		6,887		6,879		8		–
Less: Average other intangibles (GAAP)			2		2		2		2		2		–		–		–		–		2		1		1		100
Add: Average deferred tax liabilities related to goodwill (GAAP)			357		355		531		537		534		2		1		(177)		(33)		356		533		(177)		(33)
Average tangible common equity	N		$13,200		$13,198		$13,266		$13,376		$13,309		$2		–%		($109)		(1%)		$13,199		$13,213		($14)		–%
Return on average tangible common equity	K/N		12.93%		11.71%		19.92%		10.13%		9.57%		122 bps				336 bps				12.32%		9.62%		270 bps
Return on average tangible common equity, Underlying (non-GAAP)	L/N		12.93		11.71		10.43		10.13		9.57		122 bps				336 bps				12.32		9.28		304 bps
Return on average total assets and return on average totalassets, Underlying:
Average total assets (GAAP)	O		$153,253  ��		$151,523		$151,111		$150,012		$149,878		$1,730		1%		$3,375		2%		$152,393		$149,335		$3,058		2%
Return on average total assets	I/O		1.11%		1.04%		1.75%		0.92%		0.85%		7 bps				26 bps				1.08%		0.86%		22 bps
Return on average total assets, Underlying (non-GAAP)	J/O		1.11		1.04		0.92		0.92		0.85		7 bps				26 bps				1.08		0.83		25 bps
Return on average total tangible assets and return on averagetotal tangible assets, Underlying:
Average total assets (GAAP)	O		$153,253		$151,523		$151,111		$150,012		$149,878		$1,730		1%		$3,375		2%		$152,393		$149,335		$3,058		2%
Less: Average goodwill (GAAP)			6,887		6,887		6,887		6,887		6,882		–		–		5		–		6,887		6,879		8		–
Less: Average other intangibles (GAAP)			2		2		2		2		2		–		–		–		–		2		1		1		100
Add: Average deferred tax liabilities related to goodwill (GAAP)			357		355		531		537		534		2		1		(177)		(33)		356		533		(177)		(33)
Average tangible assets	P		$146,721		$144,989		$144,753		$143,660		$143,528		$1,732		1%		$3,193		2%		$145,860		$142,988		$2,872		2%
Return on average total tangible assets	I/P		1.16%		1.08%		1.83%		0.96%		0.89%		8 bps				27 bps				1.12%		0.90%		22 bps
Return on average total tangible assets, Underlying (non-GAAP)	J/P		1.16		1.08		0.96		0.96		0.89		8 bps				27 bps				1.12		0.87		25 bps

25

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS (CONTINUED)

(in millions, except share, per-share and ratio data)

		QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
												2Q18 Change												2018 Change
		2Q18		1Q18		4Q17		3Q17		2Q17		1Q18				2Q17				2018		2017		2017
												$/bps		%		$/bps		%						$/bps		%
Tangible book value per common share:
Common shares - atperiod-end (GAAP)	Q		484,055,194		487,551,444		490,812,912		499,505,285		505,880,851		(3,496,250)		(1%)		(21,825,657)		(4%)		484,055,194		505,880,851		(21,825,657)		(4%)
Common stockholders’ equity (GAAP)			$19,924		$19,812		$20,023		$19,862		$19,817		$112		1		$107		1		$19,924		$19,817		$107		1
Less: Goodwill (GAAP)			6,887		6,887		6,887		6,887		6,887		—		—		—		—		6,887		6,887		—		—
Less: Other intangible assets (GAAP)			2		2		2		2		2		—		—		—		—		2		2		—		—
Add: Deferred tax liabilities related to goodwill (GAAP)			359		357		355		539		535		2		1		(176)		(33)		359		535		(176)		(33)
Tangible common equity	R		$13,394		$13,280		$13,489		$13,512		$13,463		$114		1%		($69)		(1%)		$13,394		$13,463		($69)		(1%)
Tangible book value per common share	R/Q		$27.67		$27.24		$27.48		$27.05		$26.61		$0.43		2%		$1.06		4%		$27.67		$26.61		$1.06		4%
Net income per average common share - basic and diluted and net income per average common share - basic and diluted, Underlying:
Average common shares outstanding - basic (GAAP)	S		484,744,354		487,500,618		492,149,763		500,861,076		506,371,846		(2,756,264)		(1%)		(21,627,492)		(4%)		486,114,872		507,903,141		(21,788,269)		(4%)
Average common shares outstanding - diluted (GAAP)	T		486,141,695		489,266,826		493,788,007		502,157,384		507,414,122		(3,125,131)		(1)		(21,272,427)		(4)		487,683,216		509,362,055		(21,678,839)		(4)
Net income per average common share - basic (GAAP)	K/S		$0.88		$0.78		$1.35		$0.68		$0.63		$0.10		13		$0.25		40		1.66		1.24		0.42		34
Net income per average common share - diluted (GAAP)	K/T		0.88		0.78		1.35		0.68		0.63		0.10		13		0.25		40		1.65		1.24		0.41		33
Net income per average common share - basic, Underlying(non-GAAP)	L/S		0.88		0.78		0.71		0.68		0.63		0.10		13		0.25		40		1.66		1.20		0.46		38
Net income per average common share - diluted,  Underlying(non-GAAP)	L/T		0.88		0.78		0.71		0.68		0.63		0.10		13		0.25		40		1.65		1.19		0.46		39
Dividend payout ratio and dividend payout ratio, Underlying:
Cash dividends declared and paid per common share	U		$0.22		$0.22		$0.18		$0.18		$0.14		$—		—%		$0.08		57%		$0.44		$0.28		$0.16		57%
Dividend payout ratio	U/(K/S)		25%		28%		13%		26%		22%		(300) bps				300 bps				27%		23%		400 bps
Dividend payout ratio, Underlying(non-GAAP)	U/(L/S)		25		28		25		26		22		(300) bps				300 bps				27		23		400 bps

26

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS (CONTINUED)

(in millions, except share, per-share and ratio data)

	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
											2Q18 Change												2018 Change
	2Q18		1Q18		4Q17		3Q17		2Q17		1Q18				2Q17				2018		2017		2017
											$/bps		%		$/bps		%						$/bps		%
Other income, Underlying:
Other income (GAAP)		$15		$17		$40		$18		$2		($2)		(12%)		$13		NM		$32		$26		$6		23%
Less: Notable items		—		—		17		—		(11)		—		—		11		100		—		(11)		11		100
Other income, Underlying(non-GAAP)		$15		$17		$23		$18		$13		($2)		(12%)		$2		15%		$32		$37		($5)		(14%)
Salaries and employee benefits, Underlying1:
Salaries and employee benefits (GAAP)1		$453		$470		$450		$438		$432		($17)		(4%)		$21		5%		$923		$878		$45		5%
Less: Notable items		—		—		17		—		—		—		—		—		—		—		—		—		—
Salaries and employee benefits, Underlying(non-GAAP)1		$453		$470		$433		$438		$432		($17)		(4%)		$21		5%		$923		$878		$45		5%
Outside services, Underlying:
Outside services (GAAP)		$106		$99		$118		$99		$96		$7		7%		$10		10%		$205		$187		$18		10%
Less: Notable items		—		—		12		—		—		—		—		—		—		—		—		—		—
Outside services, Underlying(non-GAAP)		$106		$99		$106		$99		$96		$7		7%		$10		10%		$205		$187		$18		10%
Other operating expense, Underlying1:
Other operating expense (GAAP)1		$127		$120		$137		$133		$148		$7		6%		($21)		(14%)		$247		$272		($25)		(9%)
Less: Notable items		—		—		11		—		15		—		—		(15)		(100)		—		15		(15)		(100)
Other operating expense, Underlying(non-GAAP)1		$127		$120		$126		$133		$133		$7		6%		($6)		(5%)		$247		$257		($10)		(4%)

¹As of January 1, 2018, we retrospectively adopted ASU2017-07, Compensation - Retirement Benefits (Topic 715): Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost,which requires the service cost component of net periodic pension and postretirement benefit cost to be reported separately in the Consolidated Statements of Operations from the other components. Prior periods have been adjusted to conform with the current period presentation.

27

KEY PERFORMANCE METRICS,NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS - SEGMENTS

(in millions, except ratio data)

		SECOND QUARTER 2018								FIRST QUARTER 2018								FOURTH QUARTER 2017
		Consumer   Banking		Commercial   Banking		Other		Consolidated		Consumer   Banking		Commercial   Banking		Other		Consolidated		Consumer   Banking		Commercial   Banking		Other		Consolidated
Net income available to common stockholders:
Net income (loss) (GAAP)	A		$197		$237		($9)		$425		$170		$215		$3		$388		$117		$206		$343		$666
Less: Preferred stock dividends			—		—		—		—		—		—		7		7		—		—		—		—
Net income (loss) available to common stockholders	B		$197		$237		($9)		$425		$170		$215		($4)		$381		$117		$206		$343		$666
Return on average total tangible assets:
Average total assets (GAAP)			$61,232		$52,170		$39,851		$153,253		$61,348		$50,393		$39,782		$151,523		$60,911		$50,169		$40,031		$151,111
Less: Average goodwill (GAAP)			—		—		6,887		6,887		—		—		6,887		6,887		—		—		6,887		6,887
Average other intangibles (GAAP)			—		—		2		2		—		—		2		2		—		—		2		2
Add: Average deferred tax liabilities related to goodwill (GAAP)			—		—		357		357		—		—		355		355		—		—		531		531
Average tangible assets	C		$61,232		$52,170		$33,319		$146,721		$61,348		$50,393		$33,248		$144,989		$60,911		$50,169		$33,673		$144,753
Return on average total tangible assets	A/C		1.29%		1.82%		NM		1.16%		1.12%		1.73%		NM		1.08%		0.76%		1.62%		NM		1.83%
Efficiency ratio:
Noninterest expense (GAAP)	D		$658		$200		$17		$875		$656		$208		$19		$883		$654		$195		$49		$898
Net interest income (GAAP)			759		376		(14)		1,121		733		357		1		1,091		682		367		31		1,080
Noninterest income (GAAP)			228		140		20		388		222		125		24		371		229		138		37		404
Total revenue (GAAP)	E		$987		$516		$6		$1,509		$955		$482		$25		$1,462		$911		$505		$68		$1,484
Efficiency ratio	D/E		66.68%		38.80%		NM		57.95%		68.72%		43.07%		NM		60.43%		71.90%		38.84%		NM		60.52%
		THIRD QUARTER 2017								SECOND QUARTER 2017
		Consumer Banking		Commercial Banking		Other		Consolidated		Consumer Banking		Commercial Banking		Other		Consolidated
Net income available to common stockholders:
Net income (GAAP)	A		$122		$201		$25		$348		$118		$187		$13		$318
Less: Preferred stock dividends			—		—		7		7		—		—		—		—
Net income available to common stockholders	B		$122		$201		$18		$341		$118		$187		$13		$318
Return on average total tangible assets:
Average total assets (GAAP)			$60,012		$49,833		$40,167		$150,012		$59,244		$49,731		$40,903		$149,878
Less: Average goodwill (GAAP)			—		—		6,887		6,887		—		—		6,882		6,882
Average other intangibles (GAAP)			—		—		2		2		—		—		2		2
Add: Average deferred tax liabilities related to goodwill (GAAP)			—		—		537		537		—		—		534		534
Average tangible assets	C		$60,012		$49,833		$33,815		$143,660		$59,244		$49,731		$34,553		$143,528
Return on average total tangible assets	A/C		0.81%		1.60%		NM		0.96%		0.80%		1.51%		NM		0.89%
Efficiency ratio:
Noninterest expense (GAAP)	D		$648		$195		$15		$858		$644		$192		$28		$864
Net interest income (GAAP)			674		354		34		1,062		657		344		25		1,026
Noninterest income (GAAP)			227		136		18		381		229		130		11		370
Total revenue (GAAP)	E		$901		$490		$52		$1,443		$886		$474		$36		$1,396
Efficiency ratio	D/E		71.88%		39.39%		NM		59.41%		72.64%		40.48%		NM		61.94%

28

KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS - SEGMENTS (CONTINUED)

(in millions, except ratio data)

		FOR THE SIX MONTHS ENDED JUNE 30,
		2018									2017
		Consumer   Banking		Commercial   Banking		Other		Consolidated			Consumer   Banking		Commercial   Banking		Other		Consolidated
Net income available to common stockholders:
Net income (loss) (GAAP)	A		$367		$452		($6)		$813			$213		$367		$58		$638
Less: Preferred stock dividends			—		—		7		7			—		—		7		7
Net income (loss) available to common stockholders	B		$367		$452		($13)		$806			$213		$367		$51		$631
Return on average total tangible assets:
Average total assets (GAAP)			$61,290		$51,286		$39,817		$152,393			$58,954		$49,488		$40,893		$149,335
Less: Average goodwill (GAAP)			—		—		6,887		6,887			—		—		6,879		6,879
Average other intangibles (GAAP)			—		—		2		2			—		—		1		1
Add: Average deferred tax liabilities related to goodwill (GAAP)			—		—		356		356			—		—		533		533
Average tangible assets	D		$61,290		$51,286		$33,284		$145,860			$58,954		$49,488		$34,546		$142,988
Return on average total tangible assets	A/D		1.21%		1.78%		NM		1.12%			0.73%		1.50%		NM		0.90%
Efficiency ratio:
Noninterest expense (GAAP)	E		$1,314		$408		$36		$1,758			$1,291		$382		$45		$1,718
Net interest income (GAAP)			1,492		733		(13)		2,212	��		1,295		690		46		2,031
Noninterest income (GAAP)			450		265		44		759			449		264		36		749
Total revenue (GAAP)	F		$1,942		$998		$31		$2,971			$1,744		$954		$82		$2,780
Efficiency ratio	E/F		67.68%		40.86%		NM		59.17%			74.00%		40.14%		NM		61.81%

29