Consolidated Statements Of Comprehensive Income - USD ($)
$ in Millions
 3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
INTEREST INCOME    
Interest and fees on loans $ 509 $ 421
Interest on investment securities 64 61
Interest on short-term investments 17 14
Total interest income 590 496
INTEREST EXPENSE    
Interest on deposits 16 9
Interest on medium- and long-term debt [1] 25 17
Total interest expense 41 26
Net interest income 549 470
Provision for credit losses 12 16
Net interest income after provision for credit losses 537 454
NONINTEREST INCOME    
Card fees 59 [2] 77
Service charges on deposit accounts 54 [2] 58
Fiduciary income 52 49
Commercial lending fees 18 20
Letter of credit fees 10 12
Bank-owned life insurance 9 10
Foreign exchange income 12 11
Brokerage fees 7 5
Other noninterest income 23 29
Total noninterest income 244 271
NONINTEREST EXPENSES    
Salaries and benefits expense 255 245
Outside processing fee expense 61 87
Net occupancy expense 38 38
Equipment expense 11 11
Restructuring charges 16 11
Software expense 31 29
FDIC insurance expense 13 13
Advertising expense 6 4
Litigation-related expense 0 (2)
Other noninterest expenses 15 21
Total noninterest expenses 446 457
Income before income taxes 335 268
Provision for income taxes 54 66
Net Income 281 202
Less income allocated to participating securities 2 2
Net income attributable to common shares $ 279 $ 200
Basic earnings per common share $ 1.62 $ 1.15
Diluted earnings per common share $ 1.59 $ 1.11
Comprehensive income $ 178 $ 206
Cash dividends declared on common stock $ 52 $ 42
Cash dividends declared per common share $ 0.30 $ 0.23
[1] Includes the effects of hedging.
[2] Adoption of Topic 606 resulted in a change in presentation which records certain costs in the same category as the associated revenues. The effect of this change was to reduce card fees by $34 million and service charges on deposit accounts by $1 million for the first quarter 2018. Refer to note 1 for further information.