Comerica (CMA) 10-K28 Feb 242023 FY Annual reportFinancial data

Company Profile

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
Document And Entity Information - USD ($)	Dec. 31, 2023	Feb. 26, 2024	Jun. 30, 2023
Document And Entity Information [Abstract]
Document Annual Report	true
Entity Incorporation, State or Country Code	DE
City Area Code	(833)
Local Phone Number	571-0486
Title of 12(b) Security	Common Stock, $5 par value
Document Type	10-K
Document Period End Date	Dec. 31, 2023
Entity File Number	1-10706
Amendment Flag	false
Entity Registrant Name	Comerica Incorporated
Entity Central Index Key	0000028412
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		132,489,667
Document Financial Statement Error Correction	false
Entity Shell Company	false
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Public Float			$ 5,500,000,000
Document Transition Report	false
Trading Symbol	CMA
Security Exchange Name	NYSE
Entity Address, Address Line One	1717 Main Street, MC 6404
Entity Address, City or Town	Dallas
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	75201
Entity Tax Identification Number	38-1998421
ICFR Auditor Attestation Flag	true
Auditor Name	Ernst & Young LLP
Auditor Location	Dallas, TX
Auditor Firm ID	42

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 1,443	$ 1,758
Interest-bearing deposits with banks	8,059	4,524
Other short-term investments	399	157
Investment Securities, Available-for-sale	16,869	19,012
Commercial loans	27,251	30,909
Real estate construction loans	5,083	3,105
Commercial mortgage loans	13,686	13,306
Lease financing	807	760
International loans	1,102	1,197
Residential mortgage loans	1,889	1,814
Consumer loans	2,295	2,311
Total loans	52,113	53,402
Less allowance for loan losses	(688)	(610)
Net loans	51,425	52,792
Premises and equipment	445	400
Accrued income and other assets	7,194	6,763
Total assets	85,834	85,406
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits	27,849	39,945
Money market and interest-bearing checking deposits	28,246	26,290
Savings deposits	2,381	3,225
Customer certificates of deposit	3,723	1,762
Other time deposits	4,550	124
Foreign office time deposits	13	51
Total interest-bearing deposits	38,913	31,452
Total deposits	66,762	71,397
Short-term borrowings	3,565	3,211
Accrued expenses and other liabilities	2,895	2,593
Medium- and long-term debt	6,206	3,024
Total liabilities	79,428	80,225
Fixed rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares, Issued - 4,000 shares at 12/31/2023 and 12/31/2022	394	394
Common stock - $5 par value: Authorized - 325,000,000 shares; Issued - 228,164,824 shares	1,141	1,141
Capital surplus	2,224	2,220
Accumulated other comprehensive loss	(3,048)	(3,742)
Retained earnings	11,727	11,258
Less cost of common stock in treasury - 96,266,568 shares at 12/31/23 and 97,197,962 shares at 12/31/22	(6,032)	(6,090)
Total shareholders' equity	6,406	5,181
Total liabilities and shareholders' equity	$ 85,834	$ 85,406

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Preferred Stock, No Par Value	$ 0	$ 0
Preferred Stock, Shares Authorized	4,000	4,000
Preferred Stock, Shares Issued	4,000	4,000
Common stock, par value	$ 5	$ 5
Common stock, authorized shares	325,000,000	325,000,000
Common stock, issued shares	228,164,824	228,164,824
Treasury Stock, Shares	96,266,568	97,197,962

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Millions		12 Months Ended
Consolidated Statements Of Income - USD ($) $ in Millions		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
INTEREST INCOME
Interest and fees on loans	[1]	$ 3,340	$ 2,153	$ 1,594
Interest on investment securities		430	414	280
Interest on short-term investments		405	105	27
Total interest income		4,175	2,672	1,901
INTEREST EXPENSE
Interest on deposits		892	102	22
Interest on short-term borrowings		391	17	0
Interest on medium- and long-term debt	[1]	378	87	35
Total interest expense		1,661	206	57
Net interest income		2,514	2,466	1,844
Provision for credit losses		89	60	(384)
Net interest income after provision for credit losses		2,425	2,406	2,228
NONINTEREST INCOME
Card fees		280	273	298
Fiduciary income		235	233	231
Service charges on deposit accounts		185	195	195
Commercial lending fees		72	68	68
Foreign Currency Transaction Gain, before Tax		147	154	146
Bank-owned life insurance		46	47	43
Letter of credit fees		42	38	40
Brokerage fees		30	21	14
Securities gains and losses		0	0	0
Risk management hedging (loss) income		(42)	8	0
Other noninterest income		83	31	88
Total noninterest income		1,078	1,068	1,123
NONINTEREST EXPENSES
Salaries and benefits expense		1,306	1,208	1,133
Outside processing fee expense		277	251	266
FDIC insurance expense		180	31	22
Occupancy expense		171	175	161
Software expense		171	161	155
Equipment expense		50	50	50
Advertising expense		40	38	35
Other noninterest expenses		164	84	39
Total noninterest expenses		2,359	1,998	1,861
Income before income taxes		1,144	1,476	1,490
Provision for income taxes		263	325	322
Net Income		881	1,151	1,168
Less income allocated to participating securities		4	6	5
Preferred stock dividends		23	23	23
Net income attributable to common shares		$ 854	$ 1,122	$ 1,140
Basic earnings per common share		$ 6.47	$ 8.56	$ 8.45
Diluted earnings per common share		$ 6.44	$ 8.47	$ 8.35
Cash dividends declared on common stock		$ 375	$ 356	$ 365
Cash dividends declared per common share		$ 2.84	$ 2.72	$ 2.72

[1] Includes the effects of hedging.

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 881	$ 1,151	$ 1,168
Net unrealized gains (losses) arising during the period	361	(2,903)	(406)
Change in net unrealized gains (losses) before income taxes	361	(2,903)	(406)
Gain (Loss) on Cash Flow Hedge Ineffectiveness, Net	34	(1,329)	(35)
Reclassification of loss related to de-designation of derivatives to other noninterest income	(195)	0	0
Net cash flow hedge (losses) gains recognized in interest and fees on loans before taxes	(576)	(25)	95
Amortization of unrealized losses related to de-designated derivatives	(26)	0	0
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax, Total	441	(1,304)	(130)
Benefit plans, Actuarial gain (loss) arising during the period	96	(415)	159
Other Comprehensive (Income) Loss, Defined Benefit Plan, Prior Service Cost (Credit), before Tax	0	0	1
Amortization of actuarial net loss	36	28	40
Amortization of prior service credit	(23)	(23)	(25)
Change in defined benefit pension and other postretirement plans adjustment before income taxes	109	(410)	175
Total other comprehensive income (loss) before income taxes	911	(4,617)	(361)
Provision (benefit) for income taxes	217	(1,087)	(85)
Total other comprehensive income (loss), net of tax	694	(3,530)	(276)
Comprehensive Income (loss)	$ 1,575	$ (2,379)	$ 892

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) shares in Thousands, $ in Millions	Total	Nonredeemable Preferred Stock	Common Stock	Capital Surplus	Accumulated Other Comprehensive Loss	Retained Earnings	Treasury Stock, Common
BALANCE (in shares)			139,200
BALANCE at Dec. 31, 2020	$ 8,050	$ 394	$ 1,141	$ 2,185	$ 64	$ 9,727	$ (5,461)
Net income	1,168					1,168
Other comprehensive income (loss), net of tax	(276)				(276)
Cash dividends declared on common stock	(365)					(365)
Cash dividends declared on preferred stock	(23)					(23)
Purchase of common stock	(723)			(24)		0	(699)
Purchase of common stock (in shares)			9,500
Net issuance of common stock under employee stock plans (in shares)			1,000
Net issuance of common stock under employee stock plans	25			27		13	65
Share-based compensation	41			41
BALANCE at Dec. 31, 2021	7,897	394	$ 1,141	2,175	(212)	10,494	(6,095)
BALANCE (in shares)			130,700
Net income	1,151				0	1,151
Other comprehensive income (loss), net of tax	(3,530)				(3,530)
Cash dividends declared on common stock	(356)					(356)
Cash dividends declared on preferred stock	(23)					(23)
Purchase of common stock	$ (36)			0		0	(36)
Purchase of common stock (in shares)	377		400
Net issuance of common stock under employee stock plans (in shares)			700
Net issuance of common stock under employee stock plans	$ 18			15		8	41
Share-based compensation	60			60
BALANCE at Dec. 31, 2022	5,181	394	$ 1,141	2,220	(3,742)	11,258	(6,090)
BALANCE (in shares)			131,000
Net income	881					881
Other comprehensive income (loss), net of tax	694				694
Cash dividends declared on common stock	(375)					(375)
Cash dividends declared on preferred stock						(23)
Purchase of common stock	(23)
Net issuance of common stock under employee stock plans (in shares)			900
Net issuance of common stock under employee stock plans	(4)			48		14	58
Share-based compensation	52			52
BALANCE at Dec. 31, 2023	$ 6,406	$ 394	$ 1,141	$ 2,224	$ (3,048)	$ 11,727	$ (6,032)
BALANCE (in shares)			131,900

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Changes in Equity Parenthetical [Abstract]
Cash dividends declared per common share	$ 2.84	$ 2.72	$ 2.72

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
OPERATING ACTIVITIES
Net income	$ 881	$ 1,151	$ 1,168
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	89	60	(384)
Provision for deferred income taxes	(92)	(27)	79
Depreciation and amortization	87	92	99
Net periodic defined benefit credit	(27)	(91)	(81)
Share-based compensation expense	52	60	41
Net amortization of securities	19	30	36
Net gains on sales of foreclosed and other bank property	(36)	(2)	0
Increase (Decrease) in Interest and Dividends Receivable	(65)	(152)	13
Net change in accrued expenses payable	348	131	132
Other, net	(5)	(614)	(469)
Net cash provided by operating activities	1,251	638	634
INVESTING ACTIVITIES
Maturities and redemptions of investment securities available-for-sale	2,485	2,511	5,536
Purchases of investment securities available-for-sale	0	(7,470)	(7,936)
Net change in loans	1,265	(4,824)	4,067
Proceeds from sales of foreclosed property	44	3	8
Net increase in premises and equipment	(153)	(82)	(70)
Purchases of Federal Home Loan Bank stock	(504)	(131)	0
Redemptions of Federal Home Loan Bank stock	325	0	115
Proceeds from bank-owned life insurance settlements	30	39	16
Other, net	2	2	(13)
Net cash used in investing activities	3,494	(9,952)	1,723
FINANCING ACTIVITIES
Net change in deposits	(4,634)	(10,401)	8,438
Net change in short-term borrowings	354	3,211	0
Maturities and redemptions of medium- and long-term debt	(850)	0	(2,800)
Issuances and advances of medium- and long-term debt	4,000	500	0
Cash dividends paid on preferred stock	(23)	(23)	(23)
Repurchases of common stock	(17)	(43)	(729)
Cash dividends paid on common stock	(371)	(353)	(369)
Issuances of common stock under employee stock plans	18	28	34
Other, net	(2)	(2)	4
Net cash provided by (used in) financing activities	(1,525)	(7,083)	4,555
Net (decrease) increase in cash and cash equivalents	3,220	(16,397)	6,912
Cash and cash equivalents at beginning of period	6,282	22,679	15,767
Cash and cash equivalents at end of period	9,502	6,282	22,679
Interest paid	1,449	130	57
Income taxes paid	$ 317	$ 277	$ 157

Basis of Presentation and Accou

Basis of Presentation and Accounting Policies	12 Months Ended
Basis of Presentation and Accounting Policies	Dec. 31, 2023
Accounting Policies [Abstract]
Basis of Presentation and Accounting Policies	BASIS OF PRESENTATION AND ACCOUNTING POLICIES Organization Comerica Incorporated (the Corporation) is a registered financial holding company headquartered in Dallas, Texas. The Corporation’s major business segments are the Commercial Bank, the Retail Bank and Wealth Management. For further discussion of each business segment, refer to Note 22. The Corporation and its banking subsidiaries are regulated at both the state and federal levels. The accounting and reporting policies of the Corporation conform to United States (U.S.) generally accepted accounting principles (GAAP). The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect reported amounts and disclosures. Actual results could differ from these estimates. Certain amounts in the financial statements for prior years have been reclassified to conform to the current financial statement presentation. The following summarizes the significant accounting policies of the Corporation applied in the preparation of the accompanying consolidated financial statements. Principles of Consolidation The consolidated financial statements include the accounts of the Corporation and the accounts of those subsidiaries that are majority owned and in which the Corporation has a controlling financial interest. The Corporation consolidates entities not determined to be variable interest entities (VIEs) when it holds a controlling financial interest and applies the cost or equity method when it holds less than a controlling financial interest. In consolidation, all significant intercompany accounts and transactions are eliminated. The results of operations of companies acquired are included from the date of acquisition. The Corporation holds investments in certain legal entities that are considered VIEs. In general, a VIE is an entity that either (1) has an insufficient amount of equity to carry out its principal activities without additional subordinated financial support, (2) has a group of equity owners that are unable to make significant decisions about its activities, or (3) has a group of equity owners that do not have the obligation to absorb losses or the right to receive returns generated by its operations. If any of these characteristics are present, the entity is subject to a variable interests consolidation model, and consolidation is based on variable interests, not on voting interests. Variable interests are defined as contractual ownership or other economic interests in an entity that change with fluctuations in the entity’s net asset value. The primary beneficiary is required to consolidate the VIE as it has both the power to direct the activities of the VIE that most significantly impact the entity’s economic performance and the obligation to absorb losses or the right to receive benefits that could be significant to the VIE. The maximum potential exposure to losses relative to investments in VIEs is generally limited to the sum of the outstanding book basis and unfunded commitments for future investments. The Corporation evaluates its investments in VIEs, both at inception and when there is a change in circumstances that requires reconsideration, to determine if the Corporation is the primary beneficiary and consolidation is required. The Corporation accounts for unconsolidated VIEs using either the proportional, cost or equity method. These investments comprise investments in community development projects which generate tax credits to their investors and are included in accrued income and other assets on the Consolidated Balance Sheets. The proportional method is used for investments in affordable housing projects that qualify for the low-income housing tax credit (LIHTC). The equity method is used for other investments where the Corporation has the ability to exercise significant influence over an entity’s operations and financial policies. Other unconsolidated equity investments that do not meet the criteria to be accounted for under the equity method are accounted for under the cost method. Amortization and other write-downs of LIHTC investments are presented on a net basis as a component of the provision for income taxes, while income, amortization and write-downs from cost and equity method investments are recorded in other noninterest income on the Consolidated Statements of Income. See Note 9 for additional information about the Corporation’s involvement with VIEs. Assets held in an agency or fiduciary capacity are not assets of the Corporation and are not included in the consolidated financial statements. Fair Value Measurements The Corporation utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The determination of fair values of financial instruments often requires the use of estimates. In cases where quoted market values in an active market are not available, the Corporation uses present value techniques and other valuation methods to estimate the fair values of its financial instruments. These valuation methods require considerable judgment and the resulting estimates of fair value can be significantly affected by the assumptions made and methods used. Fair value is an estimate of the exchange price that would be received to sell an asset or paid to transfer a liability in an orderly transaction (i.e., not a forced transaction, such as a liquidation or distressed sale) between market participants at the measurement date. Fair value is based on the assumptions market participants would use when pricing an asset or liability. Investment securities available-for-sale, derivatives, deferred compensation plans and equity securities with readily determinable fair values (primarily money market mutual funds) are recorded at fair value on a recurring basis. Additionally, from time to time, the Corporation may be required to record other assets and liabilities at fair value on a nonrecurring basis, such as impaired loans, loans held for sale, other real estate (primarily foreclosed property), nonmarketable equity securities and certain other assets and liabilities. These nonrecurring fair value adjustments typically involve write-downs of individual assets or application of lower of cost or fair value accounting. Fair value measurements and disclosures guidance establishes a three-level fair value hierarchy based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The fair value hierarchy gives the highest priority to quoted prices in active markets and the lowest priority to unobservable data. Fair value measurements are separately disclosed by level within the fair value hierarchy. For assets and liabilities recorded at fair value, it is the Corporation’s policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements. Level 1 Valuation is based on quoted prices for identical instruments traded in active markets. Level 2 Valuation is based on quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are less active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 3 Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. The Corporation generally utilizes third-party pricing services to value Level 1 and Level 2 securities. Management reviews the methodologies and assumptions used by the third-party pricing services and evaluates the values provided, principally by comparison with other available market quotes for similar instruments and/or analysis based on internal models using available third-party market data. The Corporation may occasionally adjust certain values provided by the third-party pricing service when management believes, as the result of its review, that the adjusted price most appropriately reflects the fair value of the particular security. Fair value measurements for assets and liabilities where limited or no observable market data exists are based primarily upon estimates, often calculated based on the economic and competitive environment, the characteristics of the asset or liability and other factors. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset or liability. Additionally, there may be inherent weaknesses in any calculation technique, so that changes in the underlying assumptions used, including discount rates and estimates of future cash flows, could significantly affect the results of current or future values. Following are descriptions of the valuation methodologies and key inputs used to measure financial assets and liabilities recorded at fair value, as well as a description of the methods and significant assumptions used to estimate fair value disclosures for financial instruments not recorded at fair value in their entirety on a recurring basis. The descriptions include an indication of the level of the fair value hierarchy in which the assets or liabilities are classified. Deferred compensation plan assets and liabilities as well as equity securities with a readily determinable fair value The Corporation holds a portfolio of securities that includes equity securities and assets held related to deferred compensation plans. Securities and associated deferred compensation plan liabilities are recorded at fair value on a recurring basis and included in other short-term investments and accrued expenses and other liabilities, respectively, on the Consolidated Balance Sheets. Level 1 securities include assets related to deferred compensation plans, which are invested in mutual funds, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and other securities traded on an active exchange, such as the New York Stock Exchange. Level 2 securities include municipal bonds and mortgage-backed securities issued by U.S. government-sponsored entities and corporate debt securities. Deferred compensation plan liabilities represent the fair value of the obligation to the plan participant, which corresponds to the fair value of the invested assets. The methods used to value equity securities and deferred compensation plan assets are the same as the methods used to value investment securities, discussed below. Investment securities available-for-sale Investment securities available-for-sale are recorded at fair value on a recurring basis. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by U.S. government agencies and U.S. government-sponsored entities, as well as corporate debt securities. The fair value of Level 2 securities is determined using quoted prices of securities with similar characteristics, or pricing models based on observable market data inputs, primarily interest rates, spreads and prepayment information. Securities classified as Level 3 represent securities in less liquid markets requiring significant management assumptions when determining fair value. Loans held-for-sale Loans held-for-sale, included in other short-term investments on the Consolidated Balance Sheets, are recorded at the lower of cost or fair value. Loans held-for-sale may be carried at fair value on a nonrecurring basis when fair value is less than cost. When the fair value is based on what secondary markets are currently offering for portfolios with similar characteristics, the loans are classified as Level 2. When secondary market information is not available, the fair value is estimated based on the repricing frequency of the loans and estimated credit risk using internally-developed lifetime loss estimates, resulting in the loans being classified as Level 3. Loans The Corporation does not record loans at fair value on a recurring basis. However, an individual allowance may be established for a loan that no longer shares risk characteristics with loan pools, typically collateral-dependent loans for which reserves are based on the fair value of the underlying collateral. Such loan values are reported as nonrecurring fair value measurements. Collateral values supporting individually evaluated loans are evaluated quarterly. When management determines that the fair value of the collateral requires additional adjustments, either as a result of non-current appraisal value or when there is no observable market price, the Corporation classifies the loan as Level 3. Derivative assets and derivative liabilities Derivative instruments held or issued for risk management or customer-initiated activities are traded in over-the-counter markets where quoted market prices are not readily available. Fair value for over-the-counter derivative instruments is measured on a recurring basis using internally developed models primarily based on market observable inputs, such as yield curves and option volatilities. The Corporation manages credit risk on its derivative positions based on whether the derivatives are settled through a clearinghouse or bilaterally with each counterparty. For derivative positions settled on a counterparty-by-counterparty basis, the Corporation calculates credit valuation adjustments, included in the fair value of these instruments, on the basis of its relationships at the counterparty portfolio or master netting agreement level. These credit valuation adjustments are determined by applying a credit spread for the counterparty or the Corporation, as appropriate, to the total expected exposure of the derivative after considering collateral and other master netting arrangements. These adjustments, which are considered Level 3 inputs, are based on estimates of current credit spreads to evaluate the likelihood of default. When credit valuation adjustments are significant to the overall fair value of a derivative, the Corporation classifies the over-the-counter derivative valuation in Level 3 of the fair value hierarchy; otherwise, over-the-counter derivative valuations are classified in Level 2. Other real estate Other real estate is included in accrued income and other assets on the Consolidated Balance Sheets and includes primarily foreclosed property. Foreclosed property is initially recorded at fair value, less costs to sell, at the date of legal title transfer to the Corporation, establishing a new cost basis. Subsequently, foreclosed property is carried at the lower of cost or fair value, less costs to sell. Other real estate may be carried at fair value on a nonrecurring basis when fair value is less than cost. Fair value is based upon independent market prices, appraised value or management's estimate of the value of the property. When management determines that the fair value of other real estate requires additional adjustments, either as a result of a non-current appraisal or when there is no observable market price, the Corporation classifies the other real estate as Level 3. For further information about fair value measurements refer to Note 2. Other Short-Term Investments Other short-term investments include deferred compensation plan assets, certificates of deposits, equity securities with a readily determinable fair value and loans held-for-sale. Deferred compensation plan assets and equity securities are carried at fair value. Realized and unrealized gains or losses are included in other noninterest income on the Consolidated Statements of Income. Loans held-for-sale include variable-rate demand notes, residential mortgages originated with the intent to sell and occasionally other loans transferred to held-for-sale. Loans held-for-sale are carried at the lower of cost or fair value. Fair value is determined in the aggregate for each portfolio. Changes in fair value and gains or losses upon sale are included in other noninterest income on the Consolidated Statements of Income. Investment Securities Debt securities are classified as trading, available-for-sale (AFS) or held-to-maturity. Trading securities are recorded at fair value, with unrealized gains and losses included in noninterest income on the Consolidated Statements of Income. AFS securities are recorded at fair value, with unrealized gains and losses, net of income taxes, reported as a separate component of other comprehensive income (OCI). Securities for which management has the intent and ability to hold to maturity are classified as held-to-maturity and recorded at amortized cost. Interest income is recognized using the interest method. Substantially all of the Corporation's investment securities are classified as AFS at December 31, 2023 and 2022. An AFS security is impaired if its fair value is less than amortized cost. Credit-related impairment is recognized as an allowance to investment securities available-for-sale on the Consolidated Balance Sheets with a corresponding adjustment to provision for credit losses on the Consolidated Statements of Income. Non-credit-related impairment is recognized as a component of OCI. If the Corporation intends to sell an impaired AFS security or more likely than not will be required to sell that security before recovering its amortized cost basis, the entire impairment amount is recognized in earnings with corresponding adjustment to the security's amortized cost basis. For certain types of AFS securities, such as U.S. Treasuries and other securities with government guarantees, the Corporation generally expects zero credit losses. The zero-loss expectation applies to all the Corporation’s securities and no allowance for credit losses was recorded on its AFS securities portfolio at December 31, 2023. Gains or losses on the sale of securities are computed based on the adjusted cost of the specific security sold. For further information on investment securities, refer to Note 3. Loans Loans and leases originated and held for investment are recorded at the principal balance outstanding, net of unearned income, charge-offs and unamortized deferred fees and costs. Interest income is recognized on loans and leases using the interest method. Effective January 1, 2023, the Corporation assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty, regardless of whether the modified loan terms include a concession. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof (collectively referred to as Financially Distressed Modifications or FDMs). Prior to 2023, the Corporation assessed all loan modifications to determine whether a restructuring constituted a troubled debt restructuring (TDR). A restructuring was considered a TDR when a borrower was experiencing financial difficulty and the Corporation granted a concession to the borrower. Certain types of modifications related to COVID-19 that were granted during 2020 and 2021 were excluded from TDR accounting. See Note 1 in the 2021 10-K for additional information. Effective January 1, 2020, the Corporation adopted ASU No. 2020-04 "Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting," (ASU 2020-04). Typically, entities must evaluate whether a loan contract modification results in a modified loan or a new loan for accounting purposes. Topic 848 allows entities to bypass this evaluation for qualifying modifications related to reference rate reform. The Corporation applied the relief provided by Topic 848 to qualifying contract modifications transitioning away from LIBOR. After LIBOR transition was substantially complete in third quarter 2023, the Corporation no longer applied the relief guidance. Loan Origination Fees and Costs Substantially all loan origination fees and costs are deferred and amortized to net interest income over the life of the related loan or over the commitment period as a yield adjustment. Net deferred income on originated loans, including unearned income and unamortized costs, fees, premiums and discounts, totaled $94 million and $118 million at December 31, 2023 and 2022, respectively. Loan fees on unused commitments and net origination fees related to loans sold are recognized in noninterest income. Allowance for Credit Losses The allowance for credit losses includes both the allowance for loan losses and the allowance for credit losses on lending-related commitments. The Corporation disaggregates the loan portfolio into segments for purposes of determining the allowance for credit losses. These segments are based on the level at which the Corporation develops, documents and applies a systematic methodology to determine the allowance for credit losses. The Corporation's portfolio segments are business loans and retail loans. Business loans include the commercial, real estate construction, commercial mortgage, lease financing and international loan portfolios. Retail loans consist of residential mortgage and consumer loans, including home equity loans. Current expected credit losses are estimated over the contractual life of the loan portfolio, considering all available relevant information, including historical and current conditions as well as reasonable and supportable forecasts of future events. For further information on the Allowance for Credit Losses, refer to Note 4. Allowance for Loan Losses The allowance for loan losses is estimated on a quarterly basis and represents management’s estimates of current expected credit losses in the Corporation’s loan portfolio. Pools of loans with similar risk characteristics are collectively evaluated while loans that no longer share risk characteristics with loan pools are evaluated individually. Collective loss estimates are determined by applying loss factors, designed to estimate current expected credit losses, to amortized cost balances over the remaining contractual life of the collectively evaluated portfolio. Loans with similar risk characteristics are aggregated into homogeneous pools. Business loans are assigned to pools based primarily on business line and the Corporation’s internal risk rating system. For retail loans, pools are based on loan type, past due status and credit scores. Loss factors are based on an estimated probability of default for each pool, set to a default horizon based on contractual life, and loss given default. Historical estimates are calibrated to economic forecasts over the reasonable and supportable forecast period based on the projected performance of specific economic variables that statistically correlate with each of the probability of default and loss given default pools. At least annually, management considers different models when estimating credit losses, selecting ones that most reasonably forecast credit losses in the relevant economic environment. The calculation of current expected credit losses is inherently subjective, as it requires management to exercise judgment in determining appropriate factors used to determine the allowance. Some of the most significant factors in the quantitative allowance estimate are assigning internal risk ratings to loans, selecting the economic forecasts used to calibrate the reserve factors and determining the reasonable and supportable forecast period. • Internal Risk Ratings : Loss factors are dependent on loan risk ratings for business loans. Risk ratings are assigned at origination, based on inherent credit risk, and updated based on new information that becomes available, periodic reviews of credit quality, a change in borrower performance or modifications to lending agreements. • Economic Forecasts: Management selects economic variables it believes to be most relevant based on the composition of the loan portfolio and customer base, including forecasted levels of employment, gross domestic product, corporate bond and treasury spreads, industrial production levels, consumer and commercial real estate price indices as well as housing statistics. Different economic forecast scenarios ranging from more benign to more severe are evaluated each reporting period to forecast losses over the contractual life of the loan portfolio. • Forecast Period : Economic forecasts are applied over the period management believes it can estimate reasonable and supportable forecasts. Forecast periods may be adjusted in response to changes in the economic environment. To estimate losses for contractual periods that extend beyond the forecast horizon, the Corporation reverts to an average historical loss experience. The Corporation typically forecasts economic variables over a two-year horizon, followed by an immediate reversion to an average historical loss experience that generally incorporates a full economic cycle. Management reviews this methodology on at least an annual basis. The allowance for loan losses also includes qualitative adjustments to bring the allowance to the level management believes is appropriate based on factors that have not otherwise been fully accounted for, including adjustments for foresight risk, input imprecision and model imprecision. Foresight risk reflects the inherent imprecision in forecasting economic variables, including determining the depth and duration of economic cycles and their impact to relevant economic variables. The Corporation may make qualitative adjustments based on its evaluation of different forecast scenarios and known recent events impacting relevant economic variables. Input imprecision factors address the risk that certain model inputs may not reflect all available information including (i) risk factors that have not been fully addressed in internal risk ratings, (ii) changes in lending policies and procedures, (iii) changes in the level and quality of experience held by lending management, (iv) imprecision in the risk rating system and (v) limitations in data available for certain loan portfolios. Model imprecision considers known model limitations and model updates not yet fully reflected in the quantitative estimate. The determination of the appropriate qualitative adjustment is based on management's analysis of current and expected economic conditions and their impact to the portfolio, as well as internal credit risk movements and a qualitative assessment of the lending environment, including underwriting standards. Management recognizes the sensitivity of various assumptions made in the quantitative modeling of expected losses and may adjust reserves depending upon the level of uncertainty that currently exists in one or more assumptions. Credit losses for loans that no longer share risk characteristics with the loan pools are estimated on an individual basis. Individual credit loss estimates are typically performed for nonaccrual loans and are based on one of several methods, including the estimated fair value of the underlying collateral, observable market value of similar debt or the present value of expected cash flows. The Corporation considers certain loans to be collateral-dependent if the borrower is experiencing financial difficulty and management expects repayment for the loan to be substantially through the operation or sale of the collateral. For collateral-dependent loans, loss estimates are based on the fair value of collateral, less estimated cost to sell (if applicable). Collateral values supporting individually evaluated loans are assessed quarterly and appraisals are typically obtained at least annually. The total allowance for loan losses is sufficient to absorb expected credit losses over the contractual life of the portfolio. Unanticipated events impacting the economy, including political instability or global events affecting the U.S. economy, could cause changes to expectations for current conditions and economic forecasts that result in an unanticipated increase in the allowance. Significant increases in current portfolio exposures or changes in credit characteristics could also increase the amount of the allowance. Such events, or others of similar nature, may result in the need for additional provision for credit losses in order to maintain an allowance that complies with credit risk and accounting policies. Loans deemed uncollectible are charged off and deducted from the allowance. Recoveries on loans previously charged off are added to the allowance. Credit losses are not estimated for accrued interest receivable as interest that is deemed uncollectible is written off through interest income. Allowance for Credit Losses on Lending-Related Commitments The allowance for credit losses on lending-related commitments estimates current expected credit losses on collective pools of letters of credit and unused commitments to extend credit based on reserve factors, determined in a manner similar to business loans, multiplied by a probability of draw estimate, based on historical experience and credit risk, applied to commitment amounts. The allowance for credit losses on lending-related commitments is included in accrued expenses and other liabilities on the Consolidated Balance Sheets, with the corresponding charge included in the provision for credit losses on the Consolidated Statements of Comprehensive Income. Nonperforming Assets Nonperforming assets consist of nonaccrual loans, reduced-rate loans and foreclosed property. A loan is considered past due when the contractually required principal or interest payment is not received by the specified due date or, for certain loans, when a scheduled monthly payment is past due and unpaid for 30 days or more. Business loans are generally placed on nonaccrual status when management determines full collection of principal or interest is unlikely or when principal or interest payments are 90 days past due, unless the loan is fully collateralized and in the process of collection. The past-due status of a business loan is one of many indicative factors considered in determining the collectibility of the credit. The primary driver of when the principal amount of a business loan should be fully or partially charged-off is based on a qualitative assessment of the recoverability of the principal amount from collateral and other cash flow sources. Residential mortgage and home equity loans are generally placed on nonaccrual status once they become 90 days past due and are charged off to current appraised values less costs to sell no later than 180 days past due. In addition, junior lien home equity loans less than 90 days past due are placed on nonaccrual status if they have underlying risk characteristics that place full collection of the loan in doubt, such as when the related senior lien position is identified as seriously delinquent. Residential mortgage and consumer loans in bankruptcy for which the court has discharged the borrower's obligation and the borrower has not reaffirmed the debt are placed on nonaccrual status and written down to estimated collateral value, without regard to the actual payment status of the loan. All other consumer loans are generally placed on nonaccrual status at 90 days past due and are charged off at no later than 120 days past due, or earlier if deemed uncollectible. At the time a loan is placed on nonaccrual status, interest previously accrued but not collected is charged against current income. Principal and interest payments received on such loans are generally first applied as a reduction of principal. Income on nonaccrual loans is then recognized only to the extent that cash is received after principal has been fully repaid or future collection of principal is probable. Generally, a loan may be returned to accrual status when all delinquent principal and interest have been received and the Corporation expects repayment of the remaining contractual principal and interest, or when the loan or debt security is both well secured and in the process of collection. Foreclosed property (primarily real estate) is initially recorded at fair value, less costs to sell, at

Fair Value Measurements

Fair Value Measurements	12 Months Ended
Fair Value Measurements	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Fair Value Measurements	FAIR VALUE MEASUREMENTS Note 1 contains information about the fair value hierarchy, descriptions of the valuation methodologies and key inputs used to measure financial assets and liabilities recorded at fair value, as well as a description of the methods and significant assumptions used to estimate fair value disclosures for financial instruments not recorded at fair value in their entirety on a recurring basis. Assets and Liabilities Recorded at Fair Value on a Recurring Basis The following tables present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of December 31, 2023 and 2022. (in millions) Total Level 1 Level 2 Level 3 December 31, 2023 Deferred compensation plan assets $ 104 $ 104 $ — $ — Equity securities 39 39 — — Investment securities available-for-sale: U.S. Treasury securities 1,605 1,605 — — Residential mortgage-backed securities (a) 10,519 — 10,519 — Commercial mortgage-backed securities (a) 4,745 — 4,745 — Total investment securities available-for-sale 16,869 1,605 15,264 — Derivative assets: Interest rate contracts 225 — 225 — Energy contracts 758 — 758 — Foreign exchange contracts 36 — 36 — Total derivative assets 1,019 — 1,019 — Total assets at fair value $ 18,031 $ 1,748 $ 16,283 $ — Derivative liabilities: Interest rate contracts $ 435 $ — $ 435 $ — Energy contracts 736 — 736 — Foreign exchange contracts 35 — 35 — Other financial derivative liabilities 12 — — 12 Total derivative liabilities 1,218 — 1,206 12 Deferred compensation plan liabilities 104 104 — — Total liabilities at fair value $ 1,322 $ 104 $ 1,206 $ 12 December 31, 2022 Deferred compensation plan assets $ 92 $ 92 $ — $ — Equity securities 44 44 — — Investment securities available-for-sale: U.S. Treasury securities 2,664 2,664 — — Residential mortgage-backed securities (a) 11,655 — 11,655 — Commercial mortgage-backed securities (a) 4,693 — 4,693 — Total investment securities available-for-sale 19,012 2,664 16,348 — Derivative assets: Interest rate contracts 206 — 206 — Energy contracts 1,020 — 1,020 — Foreign exchange contracts 53 — 53 — Total derivative assets 1,279 — 1,279 — Total assets at fair value $ 20,427 $ 2,800 $ 17,627 $ — Derivative liabilities: Interest rate contracts $ 644 $ — $ 644 $ — Energy contracts 1,006 — 1,006 — Foreign exchange contracts 45 — 45 — Other financial derivative liabilities 12 — — 12 Total derivative liabilities 1,707 — 1,695 12 Deferred compensation plan liabilities 92 92 — — Total liabilities at fair value $ 1,799 $ 92 $ 1,695 $ 12 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises. There were no transfers of assets or liabilities recorded at fair value on a recurring basis into or out of Level 3 fair value measurements during the years ended December 31, 2023 and 2022. The following table summarizes the changes in Level 3 assets and liabilities measured at fair value on a recurring basis for the years ended December 31, 2023 and 2022. Net Realized/Unrealized Gains (Pretax) Recorded in Earnings (a) Balance at Beginning of Period Settlements Balance at End of Period (in millions) Realized Unrealized Year Ended December 31, 2023 Derivative liabilities: Other financial derivative $ (12) $ — $ — $ — $ (12) Year Ended December 31, 2022 Derivative assets: Interest rate contracts $ 26 $ — $ — (26) $ — Derivative liabilities: Other financial derivative (13) — 1 — (12) (a) Realized and unrealized gains and losses due to changes in fair value recorded in other noninterest income on the Consolidated Statements of Income. Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis The Corporation may be required to record certain assets and liabilities at fair value on a nonrecurring basis. These include assets that are recorded at the lower of cost or fair value, and were recognized at fair value since it was less than cost at the end of the period. The following table presents assets recorded at fair value on a nonrecurring basis at December 31, 2023 and 2022. No liabilities were recorded at fair value on a nonrecurring basis at December 31, 2023 and 2022. (in millions) Level 3 December 31, 2023 Loans: Commercial $ 12 Commercial mortgage 16 International 16 Total loans 44 Loans held-for-sale 231 Other real estate 5 Total assets at fair value $ 280 December 31, 2022 Loans: Commercial $ 53 Real estate construction 2 Commercial mortgage 11 Total loans 66 Other real estate 9 Total assets at fair value $ 75 Level 3 assets recorded at fair value on a nonrecurring basis at December 31, 2023 and December 31, 2022 included loans with a specific allowance and certain bank property held for sale, both measured based on the fair value of collateral. The unobservable inputs were the additional adjustments applied by management to the appraised values to reflect such factors as non-current appraisals and revisions to estimated time to sell. These adjustments are determined based on qualitative judgments made by management on a case-by-case basis and are not observable inputs, although they are used in the determination of fair value. At December 31, 2023, loans held-for-sale classified as Level 3 represented loans held-for-sale in less liquid markets requiring significant management assumptions when determining fair value. Estimated Fair Values of Financial Instruments Not Recorded at Fair Value on a Recurring Basis The Corporation typically holds the majority of its financial instruments until maturity and thus does not expect to realize many of the estimated fair value amounts disclosed. The disclosures do not include estimated fair value amounts for items that are not defined as financial instruments, but which have significant value. These include such items as core deposit intangibles, the future earnings potential of significant customer relationships and the value of trust operations and other fee generating businesses. The Corporation believes the imprecision of an estimate could be significant. The disclosures also do not include a limited amount of nonmarketable equity securities (primarily indirect private equity and venture capital investments) that do not have a readily determinable fair value and whose fair values are based on net asset value. The carrying amount and estimated fair value of financial instruments not recorded at fair value in their entirety on a recurring basis on the Corporation’s Consolidated Balance Sheets are as follows: Carrying Estimated Fair Value (in millions) Total Level 1 Level 2 Level 3 December 31, 2023 Assets Cash and due from banks $ 1,443 $ 1,443 $ 1,443 $ — $ — Interest-bearing deposits with banks 8,059 8,059 8,059 — — Other short-term investments 24 24 24 — — Total loans, net of allowance for loan losses (a) 51,425 50,633 — — 50,633 Liabilities Demand deposits 58,476 58,476 — 58,476 — Time deposits 8,286 8,391 — 8,391 — Total deposits 66,762 66,867 — 66,867 — Short-term borrowings 3,565 3,565 3,565 — — Medium- and long-term debt 6,206 6,207 — 6,207 — Liabilities for credit-related financial instruments (72) (72) — — (72) December 31, 2022 Assets Cash and due from banks $ 1,758 $ 1,758 $ 1,758 $ — $ — Interest-bearing deposits with banks 4,524 4,524 4,524 — — Other short-term investments 19 19 19 — — Total loans, net of allowance for loan losses (a) 52,792 50,964 — — 50,964 Liabilities Demand deposits 69,460 69,460 — 69,460 — Time deposits 1,937 1,894 — 1,894 — Total deposits 71,397 71,354 — 71,354 — Short-term borrowings 3,211 3,211 3,211 — — Medium- and long-term debt 3,024 3,071 — 3,071 — Liabilities for credit-related financial instruments (79) (79) — — (79) (a) Included $44 million and $66 million of loans recorded at fair value on a nonrecurring basis at December 31, 2023 and 2022, respectively.

Investment Securities

Investment Securities	12 Months Ended
Investment Securities	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Investment Securities	INVESTMENT SECURITIES A summary of the Corporation’s investment securities follows: (in millions) Amortized Gross Gross Fair Value December 31, 2023 Investment securities available-for-sale: U.S. Treasury securities $ 1,681 $ — $ 76 $ 1,605 Residential mortgage-backed securities (a) 12,607 — 2,088 10,519 Commercial mortgage-backed securities (a) 5,253 — 508 4,745 Total investment securities available-for-sale $ 19,541 $ — $ 2,672 $ 16,869 December 31, 2022 Investment securities available-for-sale: U.S. Treasury securities $ 2,810 $ — $ 146 $ 2,664 Residential mortgage-backed securities (a) 13,983 — 2,328 11,655 Commercial mortgage-backed securities (a) 5,252 — 559 4,693 Total investment securities available-for-sale $ 22,045 $ — $ 3,033 $ 19,012 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises. A summary of the Corporation’s investment securities in an unrealized loss position as of December 31, 2023 and 2022 follows: Less than 12 Months 12 Months or more Total (in millions, except securities count) Fair Unrealized Fair Unrealized Fair Unrealized Count December 31, 2023 U.S. Treasury securities $ — $ — $ 1,605 $ 76 $ 1,605 $ 76 19 Residential mortgage-backed securities (a) 10 — 10,507 2,088 10,517 2,088 978 Commercial mortgage-backed securities (a) — — 4,745 508 4,745 508 253 Total temporarily impaired securities $ 10 $ — $ 16,857 $ 2,672 $ 16,867 $ 2,672 1,250 December 31, 2022 U.S. Treasury securities $ 996 $ 5 $ 1,668 $ 141 $ 2,664 $ 146 27 Residential mortgage-backed securities (a) 3,500 361 8,153 1,967 11,653 2,328 1,008 Commercial mortgage-backed securities (a) 4,008 405 685 154 4,693 559 254 Total temporarily impaired securities $ 8,504 $ 771 $ 10,506 $ 2,262 $ 19,010 $ 3,033 1,289 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises. Unrealized losses on investment securities resulted from changes in market interest rates. The Corporation’s portfolio is comprised of securities issued or guaranteed by the U.S. government agencies or government-sponsored enterprises. As such, it is expected that the securities would not be settled at a price less than the amortized cost of the investments. Further, the Corporation does not intend to sell the investments, and it is not more-likely-than-not that it will be required to sell the investments before recovery of amortized costs. No allowance for credit losses was recorded on securities in an unrealized loss position at December 31, 2023 or December 31, 2022. Interest receivable on investment securities totaled $40 million and $49 million at December 31, 2023 and 2022, respectively, and was included in accrued income and other assets on the Consolidated Balance Sheets. Sales, calls and write-downs of investment securities available-for-sale, computed based on the adjusted cost of the specific security, resulted in no gains or losses during the years ended December 31, 2023, 2022 and 2021. The following table summarizes the amortized cost and fair values of investment securities by contractual maturity. Securities with multiple maturity dates are classified in the period of final maturity. The actual cash flows of mortgage-backed securities may differ as borrowers of the underlying loans may exercise prepayment options. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. (in millions) December 31, 2023 Amortized Cost Fair Value Contractual maturity Within one year $ 813 $ 790 After one year through five years 1,098 1,034 After five years through ten years 5,380 4,869 After ten years 12,250 10,176 Total investment securities $ 19,541 $ 16,869 At December 31, 2023, investment securities with a carrying value of $15.6 billion were pledged where permitted or required by law. Pledges included $7.7 billion to the Federal Reserve Bank (FRB) for potential future borrowings, $6.6 billion to the Federal Home Loan Bank (FHLB) as collateral for current advances and potential future borrowings as well as $1.3 billion to secure $702 million of liabilities, consisting of trust deposits, deposits of public entities and state and local government agencies as well as derivative instruments. For information on FHLB borrowings, refer to Notes 11 and 12.

Credit Quality And Allowance Fo

Credit Quality And Allowance For Credit Losses	12 Months Ended
Credit Quality And Allowance For Credit Losses	Dec. 31, 2023
Credit Quality And Allowance For Credit Losses [Abstract]
Credit Quality And Allowance For Credit Losses	CREDIT QUALITY AND ALLOWANCE FOR CREDIT LOSSES The following table presents an aging analysis of the amortized cost basis of loans. Loans Past Due and Still Accruing (in millions) 30-59 60-89 90 Days Total Nonaccrual Current Loans Total December 31, 2023 Business loans: Commercial $ 48 $ 14 $ 10 $ 72 $ 75 $ 27,104 $ 27,251 Real estate construction: Commercial Real Estate business line (a) — — — — — 4,570 4,570 Other business lines (b) 3 — — 3 2 508 513 Total real estate construction 3 — — 3 2 5,078 5,083 Commercial mortgage: Commercial Real Estate business line (a) 5 — — 5 18 4,704 4,727 Other business lines (b) 49 12 9 70 23 8,866 8,959 Total commercial mortgage 54 12 9 75 41 13,570 13,686 Lease financing 4 — — 4 — 803 807 International — — 1 1 20 1,081 1,102 Total business loans 109 26 20 155 138 47,636 47,929 Retail loans: Residential mortgage 10 6 — 16 19 1,854 1,889 Consumer: Home equity 11 5 — 16 21 1,755 1,792 Other consumer 31 — — 31 — 472 503 Total consumer 42 5 — 47 21 2,227 2,295 Total retail loans 52 11 — 63 40 4,081 4,184 Total loans $ 161 $ 37 $ 20 $ 218 $ 178 $ 51,717 $ 52,113 December 31, 2022 Business loans: Commercial $ 238 $ 13 $ 20 $ 271 $ 142 $ 30,496 $ 30,909 Real estate construction: Commercial Real Estate business line (a) — — — — — 2,505 2,505 Other business lines (b) 2 — — 2 3 595 600 Total real estate construction 2 — — 2 3 3,100 3,105 Commercial mortgage: Commercial Real Estate business line (a) — 6 — 6 1 4,674 4,681 Other business lines (b) 64 5 3 72 22 8,531 8,625 Total commercial mortgage 64 11 3 78 23 13,205 13,306 Lease financing 6 — — 6 — 754 760 International — 9 — 9 3 1,185 1,197 Total business loans 310 33 23 366 171 48,740 49,277 Retail loans: Residential mortgage 22 — — 22 53 1,739 1,814 Consumer: Home equity 4 3 — 7 15 1,754 1,776 Other consumer 5 1 — 6 1 528 535 Total consumer 9 4 — 13 16 2,282 2,311 Total retail loans 31 4 — 35 69 4,021 4,125 Total loans $ 341 $ 37 $ 23 $ 401 $ 240 $ 52,761 $ 53,402 (a) Primarily loans to real estate developers. (b) Primarily loans secured by owner-occupied real estate. The following table presents loans by credit quality indicator and vintage year. Credit quality indicator is based on internal risk ratings assigned to each business loan at the time of approval and subjected to subsequent reviews, generally at least annually, and to pools of retail loans with similar risk characteristics. Vintage year is the year of origination or major modification. December 31, 2023 Vintage Year (in millions) 2023 2022 2021 2020 2019 Prior Revolvers Revolvers Converted to Term Total Business loans: Commercial: Pass (a) $ 3,105 (b) $ 3,013 (b) $ 2,072 (b) $ 593 $ 610 $ 1,033 $ 15,394 $ 13 $ 25,833 Criticized (b) 85 169 226 42 59 75 760 2 1,418 Total commercial 3,190 3,182 2,298 635 669 1,108 16,154 15 27,251 Commercial gross charge-offs 1 11 2 1 11 12 3 1 42 Real estate construction Pass (a) 503 2,205 1,581 329 43 36 288 — 4,985 Criticized (b) 2 53 34 2 7 — — — 98 Total real estate construction 505 2,258 1,615 331 50 36 288 — 5,083 Real estate construction gross charge-offs — — — — — — — — — Commercial mortgage Pass (a) 1,680 3,129 2,173 1,786 981 2,271 893 — 12,913 Criticized (b) 15 232 99 34 248 141 4 — 773 Total commercial mortgage 1,695 3,361 2,272 1,820 1,229 2,412 897 — 13,686 Commercial mortgage gross charge-offs — — — — 3 1 — — 4 Lease financing Pass (a) 173 319 110 47 34 94 — — 777 Criticized (b) 5 8 3 3 7 4 — — 30 Total lease financing 178 327 113 50 41 98 — — 807 Lease financing gross charge-offs — — — — — — — — — International Pass (a) 286 168 89 35 76 2 415 — 1,071 Criticized (b) 15 2 7 — — 6 1 — 31 Total international 301 170 96 35 76 8 416 — 1,102 International gross charge-offs 12 — — — — 1 — — 13 Total business loans 5,869 9,298 6,394 2,871 2,065 3,662 17,755 15 47,929 Retail loans: Residential mortgage Pass (a) 254 296 373 450 131 360 — — 1,864 Criticized (b) 2 — 1 — — 22 — — 25 Total residential mortgage 256 296 374 450 131 382 — — 1,889 Residential mortgage gross charge-offs — — — — — — — — — Consumer: Home equity Pass (a) — — — — — 8 1,695 59 1,762 Criticized (b) — — — — — — 28 2 30 Total home equity — — — — — 8 1,723 61 1,792 Home equity gross charge-offs — — — — — — 2 — 2 Other consumer Pass (a) 23 38 22 8 4 46 362 — 503 Criticized (b) — — — — — — — — — Total other consumer 23 38 22 8 4 46 362 — 503 Other consumer gross charge-offs — — — — 1 — — — 1 Total consumer 23 38 22 8 4 54 2,085 61 2,295 Total retail loans 279 334 396 458 135 436 2,085 61 4,184 Total loans $ 6,148 $ 9,632 $ 6,790 $ 3,329 $ 2,200 $ 4,098 $ 19,840 $ 76 $ 52,113 Table continues on the following page. December 31, 2022 Vintage Year 2022 2021 2020 2019 2018 Prior Revolvers Revolvers Converted to Term Total Business loans: Commercial: Pass (a) $ 3,946 (b) $ 3,509 (b) $ 917 $ 1,041 $ 598 $ 1,030 $ 18,604 $ 9 $ 29,654 Criticized (b) 75 274 81 69 45 78 632 1 1,255 Total commercial 4,021 3,783 998 1,110 643 1,108 19,236 10 30,909 Real estate construction: Pass (a) 836 1,134 633 162 102 28 207 — 3,102 Criticized (b) — — 3 — — — — — 3 Total real estate construction 836 1,134 636 162 102 28 207 — 3,105 Commercial mortgage: Pass (a) 3,349 2,501 1,825 1,394 1,050 2,182 838 — 13,139 Criticized (b) 7 5 7 32 31 75 10 — 167 Total commercial mortgage 3,356 2,506 1,832 1,426 1,081 2,257 848 — 13,306 Lease financing Pass (a) 316 140 64 47 37 130 — — 734 Criticized (b) 10 — 2 8 5 1 — — 26 Total lease financing 326 140 66 55 42 131 — — 760 International Pass (a) 317 161 55 88 19 14 498 — 1,152 Criticized (b) 12 — 3 — 3 10 17 — 45 Total international 329 161 58 88 22 24 515 — 1,197 Total business loans 8,868 7,724 3,590 2,841 1,890 3,548 20,806 10 49,277 Retail loans: Residential mortgage Pass (a) 327 398 480 133 68 355 — — 1,761 Criticized (b) 4 — — 9 1 39 — — 53 Total residential mortgage 331 398 480 142 69 394 — — 1,814 Consumer: Home equity Pass (a) — — — — — 9 1,708 40 1,757 Criticized (b) — — — — — — 17 2 19 Total home equity — — — — — 9 1,725 42 1,776 Other consumer Pass (a) 69 38 50 8 1 10 355 — 531 Criticized (b) — — — 1 — — 3 — 4 Total other consumer 69 38 50 9 1 10 358 — 535 Total consumer 69 38 50 9 1 19 2,083 42 2,311 Total retail loans 400 436 530 151 70 413 2,083 42 4,125 Total loans $ 9,268 $ 8,160 $ 4,120 $ 2,992 $ 1,960 $ 3,961 $ 22,889 $ 52 $ 53,402 (a) Includes all loans not included in the categories of special mention, substandard or nonaccrual. (b) Includes loans with an internal rating of special mention, substandard loans for which the accrual of interest has not been discontinued and nonaccrual loans. Special mention loans have potential credit weaknesses that deserve management’s close attention, such as loans to borrowers who may be experiencing financial difficulties that may result in deterioration of repayment prospects from the borrower at some future date. Accruing substandard loans have a well-defined weakness, or weaknesses, such as loans to borrowers who may be experiencing losses from operations or inadequate liquidity of a degree and duration that jeopardizes the orderly repayment of the loan. Substandard loans are also distinguished by the distinct possibility of loss in the future if these weaknesses are not corrected. Nonaccrual loans are loans for which the accrual of interest has been discontinued. For further information regarding nonaccrual loans, refer to the Nonperforming Assets subheading in Note 1 - Basis of Presentation and Accounting Policies. These categories are generally consistent with the "special mention" and "substandard" categories as defined by regulatory authorities. A minority of nonaccrual loans are consistent with the "doubtful" category. Loan interest receivable totaled $313 million and $261 million at December 31, 2023 and 2022, respectively, and was included in accrued income and other assets on the Consolidated Balance Sheets. Allowance for Credit Losses The following table details the changes in the allowance for credit losses. 2023 2022 2021 (in millions) Business Loans Retail Loans Total Business Loans Retail Loans Total Business Loans Retail Loans Total Years Ended December 31, Balance at beginning of period: Allowance for loan losses $ 541 $ 69 $ 610 $ 531 $ 57 $ 588 $ 895 $ 53 $ 948 Allowance for credit losses on lending-related commitments 40 11 51 24 6 30 35 9 44 Allowance for credit losses 581 80 661 555 63 618 930 62 992 Loan charge-offs (59) (3) (62) (65) (3) (68) (67) (3) (70) Recoveries on loans previously charged-off 38 2 40 47 4 51 76 4 80 Net loan (charge-offs) recoveries (21) (1) (22) (18) 1 (17) 9 1 10 Provision for credit losses: Provision for loan losses 100 — 100 28 11 39 (373) 3 (370) Provision for credit losses on lending-related commitments (9) (2) (11) 16 5 21 (11) (3) (14) Provision for credit losses 91 (2) 89 44 16 60 (384) — (384) Balance at end of period: Allowance for loan losses 620 68 688 541 69 610 531 57 588 Allowance for credit losses on lending-related commitments 31 9 40 40 11 51 24 6 30 Allowance for credit losses $ 651 $ 77 $ 728 $ 581 $ 80 $ 661 $ 555 $ 63 $ 618 Allowance for loan losses as a percentage of total loans 1.29 % 1.63 % 1.32 % 1.10 % 1.67 % 1.14 % 1.17 % 1.47 % 1.19 % Allowance for credit losses as a percentage of total loans 1.36 1.85 1.40 1.18 1.96 1.24 1.22 1.63 1.26 Nonaccrual Loans The following table presents additional information regarding nonaccrual loans. Interest income of $9 million, $12 million and $11 million was recognized on nonaccrual loans for the years ended December 31, 2023, 2022 and 2021, respectively. (in millions) Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total December 31, 2023 Business loans: Commercial $ 47 $ 28 $ 75 Real estate construction: Other business lines (a) 2 — 2 Commercial mortgage: Commercial Real Estate business line (b) — 18 18 Other business lines (a) 17 6 23 Total commercial mortgage 17 24 41 International 3 17 20 Total business loans 69 69 138 Retail loans: Residential mortgage 19 — 19 Consumer: Home equity 21 — 21 Total consumer 21 — 21 Total retail loans 40 — 40 Total nonaccrual loans $ 109 $ 69 $ 178 December 31, 2022 Business loans: Commercial $ 64 $ 78 $ 142 Real estate construction: Other business lines (a) — 3 3 Commercial mortgage: Commercial Real Estate business line (b) — 1 1 Other business lines (a) 4 18 22 Total commercial mortgage 4 19 23 International 3 — 3 Total business loans 71 100 171 Retail loans: Residential mortgage 53 — 53 Consumer: Home equity 15 — 15 Other consumer 1 — 1 Total consumer 16 — 16 Total retail loans 69 — 69 Total nonaccrual loans $ 140 $ 100 $ 240 (a) Primarily loans secured by owner-occupied real estate. (b) Primarily loans to real estate developers. Foreclosed Properties Foreclosed properties were insignificant at December 31, 2023 and December 31, 2022. Retail loans secured by residential real estate properties in process of foreclosure included in nonaccrual loans were insignificant at December 31, 2023 and December 31, 2022. Loan Modifications Made to Borrowers Experiencing Financial Difficulty Effective January 1, 2023, the Corporation adopted the provisions of ASU 2022-02, which eliminated the accounting for TDRs while expanding loan modification and vintage disclosure requirements. The update specifically required additional disclosures on loan modifications to borrowers experiencing financial difficulties that involved an interest rate reduction, other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof. The following table displays the amortized cost basis at December 31, 2023 of loan modifications made to borrowers experiencing financial difficulty that were restructured during the year ended December 31, 2023 by type of modification. (in millions) Term Extension (a) Payment Delay (a) Interest Rate Reduction Combinations (b) Total Percent of Total Class Year Ended December 31, 2023 Business loans: Commercial $ 92 $ 20 $ 10 $ 2 $ 124 0.46 % Real estate construction: Other business lines (c) 10 — — — 10 1.92 Total real estate construction 10 — — — 10 0.19 Commercial mortgage: Other business lines (c) 15 — — 10 25 0.28 Total commercial mortgage 15 — — 10 25 0.18 Total business loans 117 20 10 12 159 0.33 Retail loans: Consumer: Home equity 1 — 1 1 3 0.16 Total consumer 1 — 1 1 3 0.13 Total retail loans 1 — 1 1 3 0.07 Total loans $ 118 $ 20 $ 11 $ 13 $ 162 0.31 % (a) Represents loan balances where terms were extended or payments were delayed by a more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. See Note 1 to the co nsolidated financial statements for further information. (b) Relates to FDMs where more than one type of modification was made. For the year ended December 31, 2023, this primarily related to modifications where the interest rate was reduced and the term was extended. (c) Primarily loans secured by owner-occupied real estate. There were no commitments to lend additional funds to borrowers experiencing financial difficulty whose terms had been restructured at December 31, 2023. The following table summarizes the financial impacts of loan modifications made to specific loans during the year ended December 31, 2023. Weighted-Average Term Extension Weighted-Average Interest Rate Reduction Year Ended December 31, 2023 Business loans: Commercial 10.4 (2.01) % Real estate construction: Other business lines (a) 9.3 — Total real estate construction 9.3 — Commercial mortgage: Other business lines (a) 17.6 (0.68) Total commercial mortgage 17.6 (0.68) Total business loans 11.7 (1.35) Retail loans: Consumer: Home equity 145.4 (3.01) Total consumer 145.4 (3.01) Total retail loans 145.4 (3.01) Total loans 13.1 (1.49) % (a) Primarily loans secured by owner-occupied real estate. During the year ended December 31, 2023 , mo difications to borrowers experiencing financial difficulty included restructurings with other-than-insignificant payment delays of $6 million in the Commercial loan category. On an ongoing basis, the Corporation monitors the performance of modified loans related to their restructured terms. Loans restructured during the year ended December 31, 2023 were current under modified terms at year ended December 31, 2023. Nonperforming restructured loans are classified as nonaccrual loans and are individually evaluated in the allowance for loan losses. For restructured loans, a subsequent payment default is defined in terms of delinquency, when a principal or interest payment is 90 days past due or classified into nonaccrual status during the reporting period. Of the loans restructured during the 12 month period ended December 31, 2023, there were no subsequent defaults as of December 31, 2023. Troubled Debt Restructurings Prior to the Adoption of ASU 2022-02 The following table details the amortized cost basis at December 31, 2022 of loans considered to be TDRs that were restructured during the year ended December 31, 2022 by type of modification. In cases of loans with more than one type of modification, the loans were categorized based on the most significant modification. Type of Modification (in millions) Principal Deferrals (a) Interest Rate Reductions Total Modifications Year Ended December 31, 2022 Business loans: Commercial $ 26 $ — $ 26 Real estate construction: Other business lines (b) 3 — 3 Commercial mortgage: Other business lines (b) 14 — 14 Total business loans 43 — 43 Retail loans: Residential mortgage — 27 27 Consumer: Home equity (c) 1 1 2 Other consumer — 1 1 Total consumer 1 2 3 Total retail loans 1 29 30 Total loans $ 44 $ 29 $ 73 (a) Primarily represents loan balances where terms were extended by more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. Also includes commercial loans restructured in bankruptcy. (b) Primarily loans secured by owner-occupied real estate. (c) Includes bankruptcy loans for which the court has discharged the borrower's obligation and the borrower has not reaffirmed the debt. The Corporation charges interest on principal balances outstanding during deferral periods. Additionally, none of the modifications involved forgiveness of principal. There were no significant commitments to lend additional funds to borrowers whose terms have been modified in TDRs at December 31, 2022. For principal deferrals, incremental deterioration in the credit quality of the loan, represented by a downgrade in the risk rating of the loan, for example, due to missed interest payments or a reduction of collateral value, was considered a subsequent default. For interest rate reductions, a subsequent payment default was defined in terms of delinquency, when a principal or interest payment was 90 days past due. Of the TDRs modified during the year ended December 31, 2022 ,

Significant Group Concentration

Significant Group Concentrations of Credit Risk	12 Months Ended
Significant Group Concentrations of Credit Risk	Dec. 31, 2023
Significant Group Concentrations of Credit Risk [Abstract]
Significant Group Concentrations of Credit Risk	SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Concentrations of credit risk may exist when a number of borrowers are engaged in similar activities, or activities in the same geographic region, and have similar economic characteristics that would cause them to be similarly impacted by changes in economic or other conditions. Concentrations of both on-balance sheet and off-balance sheet credit risk are controlled and monitored as part of credit policies. The Corporation is a regional financial services holding company with a geographic concentration of its on-balance-sheet and off-balance-sheet activities in Michigan, California and Texas. At December 31, 2023, the Corporation's concentration of credit risk with the commercial real estate industry, which includes a portfolio of real estate construction and commercial mortgage loans, represented 36 percent of total loans. The following table summarizes the Corporation's commercial real estate loan portfolio by loan category. (in millions) December 31 2023 2022 Real estate construction loans: Commercial Real Estate business line (a) $ 4,570 $ 2,505 Other business lines (b) 513 600 Total real estate construction loans 5,083 3,105 Commercial mortgage loans: Commercial Real Estate business line (a) 4,727 4,681 Other business lines (b) 8,959 8,625 Total commercial mortgage loans 13,686 13,306 Total commercial real estate loans $ 18,769 $ 16,411 Total unused commitments on commercial real estate loans $ 4,382 $ 6,602 (a) Primarily loans to real estate developers. (b) Primarily loans secured by owner-occupied real estate. The Corporation also has a concentration of credit risk with the automotive industry, which represented 14 percent of total loans at December 31, 2023. Outstanding loans, included in commercial loans on the Consolidated Balance Sheets, and total exposure (outstanding loans, unused commitments and standby letters of credit) to companies related to the automotive industry were as follows: (in millions) December 31 2023 2022 Automotive loans: Production $ 848 $ 1,068 Dealer 6,191 5,367 Total automotive loans $ 7,039 $ 6,435 Total automotive exposure: Production $ 1,744 $ 2,028 Dealer 10,418 10,910 Total automotive exposure $ 12,162 $ 12,938

Property, Plant, and Equipment

Property, Plant, and Equipment	12 Months Ended
Property, Plant, and Equipment	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Premises and Equipment	PREMISES AND EQUIPMENT A summary of premises and equipment by major category follows: (in millions) December 31 2023 2022 Land $ 81 $ 81 Buildings and improvements 768 737 Furniture and equipment 536 518 Total cost 1,385 1,336 Less: Accumulated depreciation and amortization (940) (936) Net book value $ 445 $ 400 The Corporation conducts a portion of its business from leased facilities and leases certain equipment. Refer to Note 25 for more information on leased facilities and equipment. Other assets included unamortized capitalized software costs of $106 million and $83 million at December 31, 2023 and 2022, respectively. Noninterest expenses included software amortization expense of $26 million, $25 million and $33 million for the years ending December 31, 2023, 2022 and 2021, respectively.

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
Goodwill and Intangible Assets	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Core Deposit Intangibles	GOODWILL AND INTANGIBLES The following table summarizes the carrying value of goodwill by reporting unit for the years ended December 31, 2023 and 2022. (in millions) December 31 2023 2022 Commercial Bank $ 473 $ 473 Retail Bank 101 101 Wealth Management 61 61 Total $ 635 $ 635 The Corporation performs its annual evaluation of goodwill impairment in the third quarter of each year and may elect to perform a quantitative impairment analysis or first conduct a qualitative analysis to determine if a quantitative analysis is necessary. In addition, the Corporation evaluates goodwill impairment on an interim basis if events or changes in circumstances between annual tests indicate additional testing may be warranted to determine if goodwill might be impaired.

Derivative And Credit-Related F

Derivative And Credit-Related Financial Instruments	12 Months Ended
Derivative And Credit-Related Financial Instruments	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	DERIVATIVE AND CREDIT-RELATED FINANCIAL INSTRUMENTS In the normal course of business, the Corporation enters into various transactions involving derivative and credit-related financial instruments to manage exposure to fluctuations in interest rate, foreign currency and other market risks and to meet the financing needs of customers (customer-initiated derivatives). These financial instruments involve, to varying degrees, elements of market and credit risk. Market and credit risk are included in the determination of fair value. Market risk is the potential loss that may result from movements in interest rates, foreign currency exchange rates or energy commodity prices that cause an unfavorable change in the value of a financial instrument. The Corporation manages this risk by establishing monetary exposure limits and monitoring compliance with those limits. Market risk inherent in interest rate and energy contracts entered into on behalf of customers is mitigated by taking offsetting positions, except in those circumstances when the amount, tenor and/or contract rate level results in negligible economic risk, whereby the cost of purchasing an offsetting contract is not economically justifiable. The Corporation mitigates most of the inherent market risk in foreign exchange contracts entered into on behalf of customers by taking offsetting positions and manages the remainder through individual foreign currency position limits and aggregate value-at-risk limits. These limits are established annually and positions are monitored quarterly. Market risk inherent in derivative instruments held or issued for risk management purposes is typically offset by changes in the fair value of the assets or liabilities being hedged. Credit risk is the possible loss that may occur in the event of nonperformance by the counterparty to a financial instrument. The Corporation attempts to minimize credit risk arising from customer-initiated derivatives by evaluating the creditworthiness of each customer, adhering to the same credit approval process used for traditional lending activities and obtaining collateral as deemed necessary. Derivatives with dealer counterparties are either cleared through a clearinghouse or settled directly with a single counterparty. For derivatives settled directly with dealer counterparties, the Corporation utilizes counterparty risk limits and monitoring procedures as well as master netting arrangements and bilateral collateral agreements to facilitate the management of credit risk. Included in the fair value of derivative instruments are credit valuation adjustments reflecting counterparty credit risk. These adjustments are determined by applying a credit spread for the counterparty or the Corporation, as appropriate, to the total expected exposure of the derivative. Master netting arrangements effectively reduce credit valuation adjustments by permitting settlement of positive and negative positions and offset cash collateral held with the same counterparty on a net basis. Bilateral collateral agreements require daily exchange of cash or highly rated securities issued by the U.S. Treasury or other U.S. government entities to collateralize amounts due to either party. At December 31, 2023, counterparties with bilateral collateral agreements deposited $143 million of cash with the Corporation to secure the fair value of contracts in an unrealized gain position, and the Corporation had pledged $4 million of marketable investment securities and posted $14 million of cash as collateral for contracts in an unrealized loss position. For those counterparties not covered under bilateral collateral agreements, collateral is obtained, if deemed necessary, based on the results of management’s credit evaluation of the counterparty. Collateral varies, but may include cash, investment securities, accounts receivable, equipment or real estate. Derivative Instruments Derivative instruments utilized by the Corporation are negotiated over-the-counter and primarily include swaps, caps and floors, forward contracts and options, each of which may relate to interest rates, energy commodity prices or foreign currency exchange rates. Swaps are agreements in which two parties periodically exchange cash payments based on specified indices applied to a specified notional amount until a stated maturity. Caps and floors are agreements which entitle the buyer to receive cash payments based on the difference between a specified reference rate or price and an agreed strike rate or price, applied to a specified notional amount until a stated maturity. Forward contracts are over-the-counter agreements to buy or sell an asset at a specified future date and price. Options are similar to forward contracts except the purchaser has the right, but not the obligation, to buy or sell the asset during a specified period or at a specified future date. Over-the-counter contracts are tailored to meet the needs of the counterparties involved and, therefore, contain a greater degree of credit risk and liquidity risk than exchange-traded contracts, which have standardized terms and readily available price information. The Corporation reduces exposure to market and liquidity risks from over-the-counter derivative instruments entered into for risk management purposes, and transactions entered into to mitigate the market risk associated with customer-initiated transactions, by taking offsetting positions with investment grade domestic and foreign financial institutions and subjecting counterparties to credit approvals, limits and collateral monitoring procedures similar to those used in making other extensions of credit. In addition, certain derivative contracts executed bilaterally with a dealer counterparty in the over-the-counter market are cleared through a clearinghouse, whereby the clearinghouse becomes the counterparty to the transaction. The following table presents the composition of the Corporation’s derivative instruments held or issued for risk management purposes or in connection with customer-initiated and other activities at December 31, 2023 and 2022. The table excludes a derivative related to the Corporation's 2008 sale of its remaining ownership of Visa shares and includes accrued interest receivable and payable. December 31, 2023 December 31, 2022 Fair Value Fair Value (in millions) Notional/ Gross Derivative Assets Gross Derivative Liabilities Notional/ Gross Derivative Assets Gross Derivative Liabilities Risk management purposes Derivatives designated as hedging instruments Interest rate contracts: Fair value swaps - receive fixed/pay floating $ 6,300 $ — $ — $ 3,150 $ — $ — Cash flow swaps - receive fixed/ pay floating (b) 24,850 — 8 26,600 — 50 Derivatives used as economic hedges Foreign exchange contracts: Spot, forwards and swaps 560 1 3 392 1 3 Total risk management purposes 31,710 1 11 30,142 1 53 Customer-initiated and other activities Interest rate contracts: Caps and floors written 1,577 — 18 924 — 25 Caps and floors purchased 1,577 18 — 924 25 — Swaps 19,316 207 409 18,450 181 569 Total interest rate contracts 22,470 225 427 20,298 206 594 Energy contracts: Caps and floors written 3,719 3 291 4,051 — 430 Caps and floors purchased 3,719 292 3 4,051 431 — Swaps 6,368 463 442 6,419 589 576 Total energy contracts 13,806 758 736 14,521 1,020 1,006 Foreign exchange contracts: Spot, forwards, options and swaps 2,751 35 32 2,704 52 42 Total customer-initiated and other activities 39,027 1,018 1,195 37,523 1,278 1,642 Total gross derivatives $ 70,737 1,019 1,206 $ 67,665 1,279 1,695 Amounts offset in the Consolidated Balance Sheets: Netting adjustment - Offsetting derivative assets/liabilities (311) (311) (644) (644) Netting adjustment - Cash collateral received/posted (143) (13) (180) (4) Net derivatives included in the Consolidated Balance Sheets (c) 565 882 455 1,047 Amounts not offset in the Consolidated Balance Sheets: Marketable securities pledged under bilateral collateral agreements (501) (4) (70) (202) Net derivatives after deducting amounts not offset in the Consolidated Balance Sheets $ 64 $ 878 $ 385 $ 845 (a) Notional or contractual amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected on the Consolidated Balance Sheets. (b) December 31, 2023 included $2.0 billion of forward starting swaps that will become effective on their contractual start dates in 2024. (c) Net derivative assets are included in accrued income and other assets and net derivative liabilities are included in accrued expenses and other liabilities on the Consolidated Balance Sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and credit risk of the Corporation. The fair value of net derivative assets included credit valuation adjustments for counterparty credit risk of $3 million and $2 million at December 31, 2023 and 2022, respectively. Risk Management The Corporation's derivative instruments used for managing interest rate risk include cash flow hedging strategies that convert variable-rate loans to fixed rates and fair value hedging strategies that convert fixed-rate medium-and long-term debt to variable rates. Interest and fees on loans included (expense) income related to swaps settlements of $(602) million, $(25) million and $95 million for the years ended December 31, 2023, 2022 and 2021, respectively. The following table details the effects of fair value hedging on the Consolidated Statements of Comprehensive Income. (in millions) Interest on Medium- and Long-Term Debt Years Ended December 31 2023 2022 2021 Total interest on medium-and long-term debt (a) $ 378 $ 87 $ 35 Fair value hedging relationships: Interest rate contracts: Hedged items 265 112 102 Derivatives designated as hedging instruments 113 (25) (68) (a) Includes the effects of hedging. The following tables summarize the expected weighted average remaining maturity of the notional amount of risk management interest rate swaps, the weighted average interest rates associated with amounts expected to be received or paid on interest rate swap agreements, and for fair value swaps, the carrying amount of the related hedged items, as of December 31, 2023 and 2022. Cash flow swaps - receive fixed/pay floating rate on variable-rate loans (a) (dollar amounts in millions) December 31, 2023 December 31, 2022 Weighted average: Time to maturity (in years) 3.9 4.6 Receive rate (b) 2.43 % 2.35 % Pay rate (b), (c) 5.38 4.07 (a) Includes $7.0 billion of de-designated interest rate swaps. (b) Excludes forward starting swaps not effective as of the period shown. December 31, 2023 excluded $2.0 billion of forward starting swaps. December 31, 2022 excluded $4.6 billion of forward starting swaps. (c) Variable rates paid on receive fixed swaps designated as cash flow hedges were based on BSBY or SOFR rates in effect at December 31, 2023 and LIBOR, BSBY or SOFR rates in effect at December 31, 2022. Fair value swaps - receive fixed/pay floating rate on medium- and long-term debt (dollar amounts in millions) December 31, 2023 December 31, 2022 Carrying value of hedged items (a) 6,206 3,024 Weighted average: Time to maturity (in years) 3.1 3.9 Receive rate 3.67 % 3.52 % Pay rate (b) 5.74 4.90 (a) Included $(93) million and $(124) million of cumulative hedging adjustments at December 31, 2023 and 2022, respectively, which included $3 million and $4 million, respectively, of hedging adjustment on a discontinued hedging relationship. (b) Floating rates paid on receive fixed swaps designated as fair value hedges were based on SOFR rates in effect at December 31, 2023 and SOFR and LIBOR rates in effect at December 31, 2022. De-designated Interest Rate Swaps and Price Alignment Income On November 15, 2023, the Bloomberg Index Services Limited announced a permanent cessation of BSBY and all of its tenors effective November 15, 2024. Accordingly, the Corporation de-designated $7.0 billion of interest rate swaps accounted for as cash flow hedges of BSBY-indexed loans, as of November 15, 2023, because it was no longer probable that the BSBY-based loan cash flows would occur through the duration of the hedging relationships. As a result of the de-designation, a pre-tax loss of $195 million was reclassified out of AOCI and into earnings for cash flows no longer probable of occurring. In addition, periodic settlement losses of $29 million and fair market value gains of $133 million for de-designated positions were recognized as part of noninterest income from the de-designation date of November 15, 2023 through December 31, 2023. This resulted in a net loss of $91 million recorded as a component of risk management hedging (loss) income in the Consolidated Statement of Income. Amounts in AOCI related to cash flows that continue to be probable of occurring are amortized out of AOCI and into earnings from the de-designation date through BSBY cessation, resulting in a pre-tax loss of $26 million recognized as part of interest and fees on loans as of December 31, 2023. Along with settlements no longer recognized through margin, this resulted in a net benefit of $3 million to interest and fees on loans for the year ended December 31, 2023. For more information on accumulated net losses on cash flow hedges, refer to Note 14. Risk management hedging (loss) income also includes price alignment income, which is income received on payments made to a central clearing party for centrally cleared derivatives. Positions are settled daily based on derivative fair values and the party receiving net settlement amounts pays price alignment, based on an earning rate, to the party making settlement payments. Price alignment income totaled $51 million for the year ending December 31, 2023, $8 million for the year ending December 31, 2022 and was insignificant for the year ending December 31, 2021. Customer-Initiated and Other The Corporation enters into derivative transactions at the request of customers and generally takes offsetting positions with dealer counterparties to mitigate the inherent market risk. Income primarily results from the spread between the customer derivative and the offsetting dealer position. For customer-initiated foreign exchange contracts where offsetting positions have not been taken, the Corporation manages the remaining inherent market risk through individual foreign currency position limits and aggregate value-at-risk limits. These limits are established annually and reviewed quarterly. Fair values of customer-initiated and other derivative instruments represent the net unrealized gains or losses on such contracts and are recorded on the Consolidated Balance Sheets. Changes in fair value are recognized on the Consolidated Statements of Income. The net gains recognized in income on customer-initiated derivative instruments, net of the impact of offsetting positions included in derivative income, were as follows: Years Ended December 31, (in millions) 2023 2022 2021 Interest rate contracts $ 22 $ 34 $ 36 Energy contracts 25 28 18 Foreign exchange contracts 51 47 45 Total $ 98 $ 109 $ 99 Credit-Related Financial Instruments The Corporation issues off-balance sheet financial instruments in connection with commercial and consumer lending activities. The Corporation’s credit risk associated with these instruments is represented by the contractual amounts indicated in the following table. (in millions) December 31 2023 2022 Unused commitments to extend credit: Commercial and other $ 27,303 $ 30,800 Bankcard, revolving credit and home equity loan commitments 4,082 4,017 Total unused commitments to extend credit $ 31,385 $ 34,817 Standby letters of credit $ 3,586 $ 3,712 Commercial letters of credit 48 39 The Corporation maintains an allowance to cover current expected credit losses inherent in lending-related commitments, including unused commitments to extend credit, letters of credit and financial guarantees. The allowance for credit losses on lending-related commitments, included in accrued expenses and other liabilities on the Consolidated Balance Sheets, was $40 million and $51 million at December 31, 2023 and 2022, respectively. Unused Commitments to Extend Credit Commitments to extend credit are legally binding agreements to lend to a customer, provided there is no violation of any condition established in the contract. These commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many commitments expire without being drawn upon, the total contractual amount of commitments does not necessarily represent future cash requirements of the Corporation. Commercial and other unused commitments are primarily variable rate commitments. The allowance for credit losses on lending-related commitments included $38 million and $44 million at December 31, 2023 and 2022, respectively, for expected credit losses inherent in the Corporation’s unused commitments to extend credit. Standby and Commercial Letters of Credit Standby letters of credit represent conditional obligations of the Corporation which guarantee the performance of a customer to a third party. Standby letters of credit are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. Commercial letters of credit are issued to finance foreign or domestic trade transactions. These contracts expire in decreasing amounts through the year 2033. The Corporation may enter into participation arrangements with third parties that effectively reduce the maximum amount of future payments which may be required under standby and commercial letters of credit. These risk participations covered $85 million and $107 million at December 31, 2023 and 2022, respectively, of the $3.6 billion and $3.8 billion of standby and commercial letters of credit outstanding at December 31, 2023 and 2022, respectively. The carrying value of the Corporation’s standby and commercial letters of credit, included in accrued expenses and other liabilities on the Consolidated Balance Sheets, totaled $34 million at December 31, 2023, including $32 million in deferred fees and $2 million in the allowance for credit losses on lending-related commitments. At December 31, 2022, the comparable amounts were $35 million, $28 million and $7 million, respectively. The following table presents a summary of criticized standby and commercial letters of credit at December 31, 2023 and 2022. The Corporation's criticized list is consistent with the Special Mention, Substandard and Doubtful categories defined by regulatory authorities. The Corporation manages credit risk through underwriting, periodically reviewing and approving its credit exposures using Board committee approved credit policies and guidelines. (dollar amounts in millions) December 31, 2023 December 31, 2022 Total criticized standby and commercial letters of credit $ 50 $ 37 As a percentage of total outstanding standby and commercial letters of credit 1.4 % 1.0 % Other Credit-Related Financial Instruments The Corporation enters into credit risk participation agreements, under which the Corporation assumes credit exposure associated with a borrower’s performance related to certain interest rate derivative contracts. The Corporation is not a party to the interest rate derivative contracts and only enters into these credit risk participation agreements in instances in which the Corporation is also a party to the related loan participation agreement for such borrowers. The Corporation manages its credit risk on the credit risk participation agreements by monitoring the creditworthiness of the borrowers, which is based on the normal credit review process as if the Corporation had entered into the derivative instruments directly with the borrower. The notional amount of such credit risk participation agreements reflects the pro-rata share of the derivative instrument, consistent with its share of the related participated loan. The total notional amount of the credit risk participation agreements was approximately $1.0 billion and $951 million at December 31, 2023 and 2022, respectively, and the fair value was insignificant at both December 31, 2023 and December 31, 2022. The maximum estimated exposure to these agreements, as measured by projecting a maximum value of the guaranteed derivative instruments as of the balance sheet date, assuming 100 percent default by all obligors on the maximum values, was $2 million at December 31, 2023 and insignificant at December 31, 2022. In the event of default, the lead bank has the ability to liquidate the assets of the borrower, in which case the lead bank would be required to return a percentage of the recouped assets to the participating banks. As of December 31, 2023, the weighted average remaining maturity of outstanding credit risk participation agreements was 4.1 years.

Variable Interest Entities (VIE

Variable Interest Entities (VIEs)	12 Months Ended
Variable Interest Entities (VIEs)	Dec. 31, 2023
Variable Interest Entity, Not Primary Beneficiary, Disclosures [Abstract]
Variable Interest Entities (VIEs)	VARIABLE INTEREST ENTITIES (VIEs) The Corporation evaluates its interest in certain entities to determine if these entities meet the definition of a VIE and whether the Corporation is the primary beneficiary and should consolidate the entity based on the variable interests it held both at inception and when there is a change in circumstances that requires a reconsideration. The Corporation holds ownership interests in funds in the form of limited partnerships or limited liability companies (LLCs) investing in affordable housing projects that qualify for the low-income housing tax credit (LIHTC). The Corporation also directly invests in limited partnerships and LLCs which invest in community development projects, which generate similar tax credits to investors (other tax credit entities). As an investor, the Corporation obtains income tax credits and deductions from the operating losses of these tax credit entities. These tax credit entities meet the definition of a VIE; however, the Corporation is not the primary beneficiary of the entities, as the general partner or the managing member has both the power to direct the activities that most significantly impact the economic performance of the entities and the obligation to absorb losses or the right to receive benefits that could be significant to the entities. The Corporation accounts for its interests in LIHTC entities using the proportional amortization method. Ownership interests in other tax credit entities are accounted for under either the cost or equity method. Exposure to loss as a result of the Corporation’s involvement in LIHTC entities and other tax credit entities at December 31, 2023 was limited to $500 million and $29 million, respectively. Investment balances, including all legally binding commitments to fund future investments, are included in accrued income and other assets on the Consolidated Balance Sheets. A liability is recognized in accrued expenses and other liabilities on the Consolidated Balance Sheets for all legally binding unfunded commitments to fund tax credit entities ($231 million at December 31, 2023). Amortization and other write-downs of LIHTC investments are presented on a net basis as a component of the provision for income taxes on the Consolidated Statements of Income, while amortization and write-downs of other tax credit investments are recorded in other noninterest income. The income tax credits and deductions are recorded as a reduction of income tax expense and a reduction of federal income taxes payable. The Corporation provided no financial or other support that was not contractually required to any of the above VIEs during the years ended December 31, 2023, 2022 and 2021. The following table summarizes the impact of these tax credit entities on the Corporation’s Consolidated Statements of Income. (in millions) Years Ended December 31 2023 2022 2021 Other noninterest income: Amortization of other tax credit investments $ (4) $ — $ 1 Provision for income taxes: Amortization of LIHTC Investments 69 $ 72 71 Low income housing tax credits (65) (68) (68) Other tax benefits related to tax credit entities (21) (18) (17) Total provision for income taxes $ (17) $ (14) $ (14) For further information on the Corporation’s consolidation policy, see Note 1.

Deposits

Deposits	12 Months Ended
Deposits	Dec. 31, 2023
Deposits [Abstract]
Deposits	DEPOSITS At December 31, 2023, the scheduled maturities of certificates of deposit and other deposits with a stated maturity were as follows: (in millions) Years Ending December 31 2024 $ 8,177 2025 67 2026 21 2027 12 2028 6 Thereafter 3 Total $ 8,286 A maturity distribution of domestic certificates of deposit of $100,000 and over follows: (in millions) December 31 2023 2022 Three months or less $ 1,083 $ 220 Over three months to six months 1,052 136 Over six months to twelve months 359 590 Over twelve months 32 49 Total $ 2,526 $ 995

Short-term Borrowings

Short-term Borrowings	12 Months Ended
Short-term Borrowings	Dec. 31, 2023
Short-Term Debt [Abstract]
Short-term Borrowings	SHORT-TERM BORROWINGS Federal funds purchased generally mature within one to four days from the transaction date. Other short-term borrowings, which may consist of borrowed securities and short-term notes, generally mature within one to 120 days from the transaction date. At December 31, 2023 and 2022, other short-term borrowings primarily consisted of advances from the FHLB of Dallas, Texas, which provides short- and long-term funding to its members through advances collateralized by real estate-related loans, certain government agency-backed securities and other eligible assets. Actual borrowing capacity is contingent on the amount of collateral pledged to the FHLB. At December 31, 2023, the Bank had pledged real estate-related loans totaling $21.9 billion and investment securities totaling $6.6 billion to the FHLB, which provided for up to $17.1 billion of collateralized borrowing with the FHLB. Of the $17.1 billion total capacity at FHLB at December 31, 2023, $3.6 billion in short-term advances and $4.0 billion in medium- and long-term advances were outstanding, leaving $9.5 billion available at the FHLB at December 31, 2023. At December 31, 2023, the Bank had pledged loans totaling $24.6 billion and investment securities totaling $7.7 billion to the FRB, which provided for up to $21.0 billion and $9.3 billion of collateralized borrowing through the discount window and BTFP program, respectively. The Bank did not rely on the BTFP facility as a funding source, except to perform an operational test at the onset, and does not plan to use the facility for the remainder of its existence. Total available collateralized borrowings with the FRB was $30.3 billion at December 31, 2023. The following table provides a summary of short-term borrowings. (dollar amounts in millions) Federal Funds Purchased Other December 31, 2023 Amount outstanding at year-end $ 15 $ 3,550 Weighted average interest rate at year-end 5.30 % 5.74 % Maximum month-end balance during the year $ 19 $ 11,000 Average balance outstanding during the year 29 7,189 Weighted average interest rate during the year 4.77 % 5.41 % December 31, 2022 Amount outstanding at year-end $ 11 $ 3,200 Weighted average interest rate at year-end 4.32 % 4.54 % Maximum month-end balance during the year $ 1,106 $ 3,200 Average balance outstanding during the year 82 354 Weighted average interest rate during the year 3.28 % 4.08 % December 31, 2021 Amount outstanding at year-end $ — $ — Weighted average interest rate at year-end — % — % Maximum month-end balance during the year $ 2 $ — Average balance outstanding during the year 2 — Weighted average interest rate during the year 0.06 % — %

Medium- And Long-Term Debt

Medium- And Long-Term Debt	12 Months Ended
Medium- And Long-Term Debt	Dec. 31, 2023
Debt Disclosure [Abstract]
Medium- And Long-Term Debt	MEDIUM- AND LONG-TERM DEBT Medium- and long-term debt is summarized as follows:

Shareholders' Equity

Shareholders' Equity	12 Months Ended
Shareholders' Equity	Dec. 31, 2023
Stockholders' Equity Note [Abstract]
Stockholders' Equity	SHAREHOLDERS’ EQUITY In 2022 and 2021, repurchases of common stock under the share repurchase program initially authorized in 2010 by the Board of Directors of the Corporation totaled 377 thousand shares at an average price paid of $92.61 per share and 9.5 million shares at an average price paid of $75.82 per share, respectively. There were no repurchases of common stock under the share repurchase program in 2023. There is no expiration date for the share repurchase program. At December 31, 2023, the Corporation had 4.3 million shares of common stock reserved for stock option exercises and restricted stock unit vesting.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	12 Months Ended
Accumulated Other Comprehensive Loss	Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss)	ACCUMULATED OTHER COMPREHENSIVE LOSS The following table presents a reconciliation of the changes in the components of accumulated other comprehensive loss and details the components of other comprehensive income (loss) for the years ended December 31, 2023, 2022 and 2021, including the amount of income tax expense (benefit) allocated to each component of other comprehensive income (loss). (in millions) Years Ended December 31 2023 2022 2021 Accumulated net unrealized gains (losses) on investment securities: Balance at beginning of period, net of tax $ (2,319) $ (99) $ 211 Net unrealized gains (losses) arising during the period 361 (2,903) (406) Less: Provision (benefit) for income taxes 85 (683) (96) Change in net unrealized gains (losses) on investment securities, net of tax 276 (2,220) (310) Balance at end of period, net of tax $ (2,043) $ (2,319) $ (99) Accumulated net (losses) gains on cash flow hedges: Balance at beginning of period, net of tax $ (942) $ 55 $ 155 Net cash flow hedge gains (losses) arising during the period 34 (1,329) (35) Reclassification of loss related to de-designation of derivatives to other noninterest income (195) — — Less: Benefit for income taxes (38) (313) (8) Change in net cash flow hedge losses arising during the period, net of tax (123) (1,016) (27) Less: Net cash flow (losses) gains included in interest and fees on loans (576) (25) 95 Amortization of unrealized losses related to de-designated derivatives included in interest and fees on loans (26) — — Less: (Benefit) provision for income taxes (142) (6) 22 Reclassification adjustment for net cash flow hedge (losses) gains included in net income, net of tax (460) (19) 73 Change in net cash flow hedge gains (losses), net of tax 337 (997) (100) Balance at end of period, net of tax (a) $ (605) $ (942) $ 55 Accumulated defined benefit pension and other postretirement plans adjustment: Balance at beginning of period, net of tax $ (481) $ (168) $ (302) Actuarial gain (loss) arising during the period 96 (415) 159 Prior service credit arising during the period — — 1 Net defined benefit pension and other postretirement plans adjustment arising during the period 96 (415) 160 Less: Provision (benefit) for income taxes 25 (98) 38 Net defined benefit pension and other postretirement plans adjustment arising during the period, net of tax 71 (317) 122 Amounts recognized in other noninterest expenses: Amortization of actuarial net loss 36 28 40 Amortization of prior service credit (23) (23) (25) Total amounts recognized in other noninterest expenses 13 5 15 Less: Provision for income taxes 3 1 3 Adjustment for amounts recognized as components of net periodic benefit credit during the period, net of tax 10 4 12 Change in defined benefit pension and other postretirement plans adjustment, net of tax 81 (313) 134 Balance at end of period, net of tax $ (400) $ (481) $ (168) Total accumulated other comprehensive loss at end of period, net of tax $ (3,048) $ (3,742) $ (212) (a) The Corporation expects to reclassify $383 million of losses, net of tax, from accumulated other comprehensive loss to earnings over the next twelve months if interest yield curves and notional amounts remain at December 31, 2023 levels.

Net Income Per Common Share

Net Income Per Common Share	12 Months Ended
Net Income Per Common Share	Dec. 31, 2023
Earnings Per Share [Abstract]
Net Income Per Common Share	NET INCOME PER COMMON SHARE Basic and diluted net income per common share are presented in the following table. (in millions, except per share data) Years Ended December 31 2023 2022 2021 Basic and diluted Net income $ 881 $ 1,151 $ 1,168 Less: Income allocated to participating securities 4 6 5 Preferred stock dividends 23 23 23 Net income attributable to common shares $ 854 $ 1,122 $ 1,140 Basic average common shares 132 131 135 Basic net income per common share $ 6.47 $ 8.56 $ 8.45 Basic average common shares 132 131 135 Dilutive common stock equivalents: Net effect of the assumed exercise of stock awards 1 2 2 Diluted average common shares 133 133 137 Diluted net income per common share $ 6.44 $ 8.47 $ 8.35 Declared dividends on preferred stock are excluded from net income attributable to common shares. Refer to Note 13 for further information on preferred stock. The following average shares related to outstanding options to purchase shares of common stock were not included in the computation of diluted net income per common share because the options were anti-dilutive for the period. (average outstanding options in thousands) Years Ended December 31 2023 2022 2021 Average outstanding options 1,631 543 438 Range of exercise prices $49.20 - $95.25 $70.18 - $95.25 $79.01 - $95.25

Share-Based Compensation

Share-Based Compensation	12 Months Ended
Share-Based Compensation	Dec. 31, 2023
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Share-based Compensation	SHARE-BASED COMPENSATION Share-based compensation expense is charged to salaries and benefits expense on the Consolidated Statements of Income. The total share-based compensation expense for all share-based compensation plans and related tax benefits are as follows: (in millions) Years Ended December 31 2023 2022 2021 Total share-based compensation expense $ 52 $ 60 $ 41 Related tax benefits recognized in net income $ 12 $ 14 $ 10 The following table summarizes unrecognized compensation expense information for all share-based plans. (dollar amounts in millions) December 31, 2023 Total unrecognized share-based compensation expense $ 43 Weighted-average expected recognition period (in years) 2.1 The Corporation has share-based compensation plans under which it awards shares of restricted stock units to executive officers, directors and key personnel and stock options to executive officers and key personnel of the Corporation and its subsidiaries. Restricted stock units fully vest after a period ranging from three years to five years, and stock options fully vest after four years. A majority of share-based compensation awards include a retirement eligibility clause where qualified employees are exempt from the service requirements of the award. This generally results in the recognition of compensation expense at the grant date for retirement eligible employees. The maturity of each option is determined at the date of grant; however, no options may be exercised later than ten years from the date of grant. The options may have restrictions regarding exercisability. The plans provide for a grant of up to 7.7 million common shares, plus shares under certain plans that are forfeited, expire or are canceled, which become available for re-grant. At December 31, 2023, over 3.7 million shares were available for grant. The Corporation used a binomial model to value stock options granted in the periods presented. Option valuation models require several inputs, including the expected stock price volatility, and changes in input assumptions can materially affect the fair value estimates. The model used may not necessarily provide a reliable single measure of the fair value of stock options. The risk-free interest rate assumption used in the binomial option-pricing model as outlined in the table below was based on the federal ten-year treasury interest rate. The expected dividend yield was based on the historical and projected long-term dividend yield patterns of the Corporation’s common shares. Expected volatility assumptions considered both the historical volatility of the Corporation’s common stock over a ten-year period and implied volatility based on actively traded options on the Corporation’s common stock with pricing terms and trade dates similar to the stock options granted. Expected option life was based on historical exercise activity over the contractual term of the option grant (ten years), excluding certain forced transactions. The estimated weighted-average grant-date fair value per option and the underlying binomial option-pricing model assumptions are summarized in the following table: Years Ended December 31 2023 2022 2021 Weighted-average grant-date fair value per option $ 20.21 $ 25.31 $ 18.36 Weighted-average assumptions: Risk-free interest rates 3.46 % 1.78 % 1.05 % Expected dividend yield 4.00 4.00 4.00 Volatility 32 34 39 Expected option life (in years) 7.8 8.0 7.8 A summary of the Corporation’s stock option activity and related information for the year ended December 31, 2023 follows: Weighted-Average Number of Exercise Price Remaining Aggregate Outstanding-January 1, 2023 2,008 $ 61.71 Granted 250 71.16 Forfeited or expired (27) 71.37 Exercised (148) 43.32 Outstanding-December 31, 2023 2,083 64.03 5.0 $ 10 Exercisable-December 31, 2023 1,489 $ 60.86 3.8 $ 10 The aggregate intrinsic value of outstanding options shown in the table above represents the total pretax intrinsic value at December 31, 2023, based on the Corporation’s closing stock price of $55.81 at December 31, 2023. The total intrinsic value of stock options exercised was $4 million, $17 million and $29 million for the years ended December 31, 2023, 2022 and 2021, respectively. There was no restricted stock award activity in 2023. The plan was fully vested as of December 31, 2022. The total fair value of restricted stock awards that fully vested in 2022 and 2021 was $4 million and $8 million, respectively. A summary of the Corporation's restricted stock unit activity and related information for the year ended December 31, 2023 follows: Service-Based Units Performance-Based Units Number of Weighted-Average Number of Weighted-Average Outstanding-January 1, 2023 1,405 $ 64.27 744 $ 64.01 Granted 629 57.33 294 62.39 Forfeited (34) 67.09 (8) 73.30 Vested (482) 60.77 (303) 53.35 Outstanding-December 31, 2023 1,518 62.42 727 67.70 The total fair value of restricted stock units that fully vested was $52 million, $19 million and $21 million for the years ended December 31, 2023, 2022 and 2021, respectively. The Corporation expects to satisfy the exercise of stock options and the vesting of restricted stock units by issuing shares of common stock out of treasury. At December 31, 2023, the Corporation held 96 million shares in treasury. For further information on the Corporation’s share-based compensation plans, refer to Note 1.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
Employee Benefit Plans	Dec. 31, 2023
Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Abstract]
Employee Benefit Plans	EMPLOYEE BENEFIT PLANS Defined Benefit Pension and Postretirement Benefit Plans The Corporation has a qualified and non-qualified defined benefit pension plan. In October 2016, the Corporation modified its defined benefit pension plans to freeze final average pay benefits as of December 31, 2016, other than for participants who were age 60 or older as of December 31, 2016, and added a cash balance plan provision effective January 1, 2017. Active pension plan participants 60 years or older as of December 31, 2016 receive the greater of the final average pay formula or the frozen final average pay benefit as of December 31, 2016 plus the cash balance benefit earned after January 1, 2017. Employees participating in the retirement account plan as of December 31, 2016 were eligible to participate in the cash balance pension plan effective January 1, 2017. Benefits earned under the cash balance pension formula, in the form of an account balance, include contribution credits based on eligible pay earned each month, age and years of service and monthly interest credits based on the 30-year Treasury rate. The Corporation’s postretirement benefit plan provides postretirement health care and life insurance benefits for retirees as of December 31, 1992. The plan also provides certain postretirement health care and life insurance benefits for a limited number of retirees who retired prior to January 1, 2000. For all other employees hired prior to January 1, 2000, a nominal benefit is provided. Employees hired on or after January 1, 2000 and prior to January 1, 2007 are eligible to participate in the plan on a full contributory basis until Medicare-eligible based on age and service. Employees hired on or after January 1, 2007 are not eligible to participate in the plan. The Corporation funds the pre-1992 retiree plan benefits with bank-owned life insurance. Effective January 1, 2022, the plan moved from a self-insured plan to the Medicare and pre-65 individual marketplace with a funded Health Reimbursement Arrangement account for those with subsidized coverage. This change did not have a material impact on the Corporation's consolidated financial condition, results of operations or cash flow. The following table sets forth reconciliations of plan assets and the projected benefit obligation, the weighted-average assumptions used to determine year-end benefit obligations, and the amounts recognized in accumulated other comprehensive loss for the Corporation’s defined benefit pension plans and postretirement benefit plan at December 31, 2023 and 2022. The Corporation used a measurement date of December 31, 2023 for these plans. Defined Benefit Pension Plans Qualified Non-Qualified Postretirement Benefit Plan (dollar amounts in millions) 2023 2022 2023 2022 2023 2022 Change in fair value of plan assets: Fair value of plan assets at January 1 $ 2,508 $ 3,462 $ — $ — $ 46 $ 53 Actual return on plan assets 338 (777) — — 1 (4) Benefits paid (165) (177) — — (2) (3) Fair value of plan assets at December 31 $ 2,681 $ 2,508 $ — $ — $ 45 $ 46 Change in projected benefit obligation: Projected benefit obligation at January 1 $ 1,611 $ 2,214 $ 163 $ 207 $ 21 $ 31 Service cost 31 37 2 2 — — Interest cost 85 62 9 6 1 1 Actuarial gain (loss) 67 (525) 10 (37) (3) (8) Benefits paid (165) (177) (15) (15) (2) (3) Projected benefit obligation at December 31 $ 1,629 $ 1,611 $ 169 $ 163 $ 17 $ 21 Accumulated benefit obligation $ 1,611 $ 1,598 $ 166 $ 161 $ 17 $ 21 Funded status at December 31 (a) (b) $ 1,052 $ 897 $ (169) $ (163) $ 28 $ 25 Weighted-average assumptions used: Discount rate 5.33 % 5.60 % 5.33 % 5.60 % 5.43 % 5.71 % Rate of compensation increase 4.50 4.25 4.50 4.25 n/a n/a Interest crediting rate 4.66 - 5.25 3.99 - 5.25 4.66 - 5.25 3.99 - 5.25 n/a n/a Amounts recognized in accumulated other comprehensive loss before income taxes: Net actuarial loss $ (501) $ (638) $ (52) $ (46) $ (9) $ (10) Prior service credit 19 33 29 38 2 2 Balance at December 31 $ (482) $ (605) $ (23) $ (8) $ (7) $ (8) (a) Based on projected benefit obligation for defined benefit pension plans and accumulated benefit obligation for postretirement benefit plan. (b) The Corporation recognizes the overfunded and underfunded status of the plans in accrued income and other assets and accrued expenses and other liabilities, respectively, on the Consolidated Balance Sheets. n/a - not applicable Because the non-qualified defined benefit pension plan has no assets, the accumulated benefit obligation exceeded the fair value of plan assets at December 31, 2023 and December 31, 2022. The following table details the changes in plan assets and benefit obligations recognized in other comprehensive income (loss) fo r the year ended December 31, 2023. Defined Benefit Pension Plans (in millions) Qualified Non-Qualified Postretirement Benefit Plan Total Actuarial gain (loss) arising during the period $ 105 $ (10) $ 1 $ 96 Amortization of net actuarial loss 32 4 — 36 Amortization of prior service credit (14) (9) — (23) Total recognized in other comprehensive income (loss) $ 123 $ (15) $ 1 $ 109 Components of net periodic defined benefit (credit) cost and postretirement benefit credit, the actual return on plan assets and the weighted-average assumptions used were as follows: Defined Benefit Pension Plans (dollar amounts in millions) Qualified Non-Qualified Years Ended December 31 2023 2022 2021 2023 2022 2021 Service cost (a) $ 31 $ 37 $ 38 $ 2 $ 2 $ 2 Other components of net benefit (credit) cost: Interest cost 85 62 61 9 6 7 Expected return on plan assets (166) (201) (202) — — — Amortization of prior service credit (14) (14) (19) (9) (9) (6) Amortization of actuarial net loss 32 19 29 4 9 11 Total other components of net benefit (credit) cost (b) (63) (134) (131) 4 6 12 Net periodic defined benefit (credit) cost $ (32) $ (97) $ (93) $ 6 $ 8 $ 14 Actual return on plan assets $ 338 $ (777) $ 291 n/a n/a n/a Actual rate of return on plan assets 13.91 % (23.02) % 8.92 % n/a n/a n/a Weighted-average assumptions used: Discount rate 5.60 % 2.96 % 2.71 % 5.60 % 2.96 % 2.71 % Expected long-term return on plan assets 6.50 6.50 6.50 n/a n/a n/a Rate of compensation increase 4.25 4.00 4.00 4.25 4.00 4.00 (a) Included in salaries and benefits expense on the Consolidated Statements of Income. (b) Included in other noninterest expenses on the Consolidated Statements of Income. n/a - not applicable (dollar amounts in millions) Postretirement Benefit Plan Years Ended December 31 2023 2022 2021 Other components of net benefit credit: Interest cost $ 1 $ 1 $ 1 Expected return on plan assets (2) (3) (3) Net periodic postretirement benefit credit $ (1) $ (2) $ (2) Actual return on plan assets $ 1 $ (4) $ (1) Actual rate of return on plan assets 2.61 % (8.24) % (2.25) % Weighted-average assumptions used: Discount rate 5.71 % 2.79 % 2.43 % Expected long-term return on plan assets 5.00 5.00 5.00 Healthcare cost trend rate (a): Cost trend rate assumed n/a n/a 6.00 Rate to which the cost trend rate is assumed to decline (the ultimate trend rate) n/a n/a 4.50 Year that the rate reaches the ultimate trend rate n/a n/a 2027 (a) Beginning January 1, 2022, the healthcare cost trend assumption is no longer a relevant assumption due to the change from a self-insured plan to the Medicare and pre-65 individual marketplace with a funded Health Reimbursement Arrangement account. n/a - not applicable The expected long-term rate of return of plan assets is the average rate of return expected to be realized on funds invested or expected to be invested over the life of the plan, which has an estimated duration of approximately 9 years as of December 31, 2023. The expected long-term rate of return on plan assets is set after considering both long-term returns in the general market and long-term returns experienced by the assets in the plan. The returns on the various asset categories are blended to derive an equity and a fixed income long-term rate of return. The Corporation reviews its pension plan assumptions on an annual basis with its actuarial consultants to determine if assumptions are reasonable and adjusts the assumptions to reflect changes in future expectations. Plan Assets The Corporation’s overall investment goals for the qualified defined benefit pension plan are to maintain a portfolio of assets of appropriate liquidity and diversification; to generate investment returns (net of all operating costs) that are reasonably anticipated to maintain the plan’s fully funded status or to reduce a funding deficit, after taking into account various factors, including reasonably anticipated future contributions, expense and the interest rate sensitivity of the plan’s assets relative to that of the plan’s liabilities; and to generate investment returns (net of all operating costs) that meet or exceed a customized benchmark as defined in the plan's investment policy. Derivative instru ments are permissible for hedging and transactional efficiency, but only to the extent that the derivative use enhances the efficient execution of the plan’s investment policy. The plan does not directly invest in securities issued by the Corporation and its subsidiaries. The Corporation’s target allocations for plan investments are 35 percent to 45 percent for equity securities and 55 percent to 65 percent for fixed income, including cash. Equity securities include collective investment and mutual funds and common stock. Fixed income securities include U.S. Treasury and other U.S. government agency securities, mortgage-backed securities, corporate bonds and notes, municipal bonds, collateralized mortgage obligations and money market funds. Fair Value Measurements The Corporation’s qualified defined benefit pension plan utilizes fair value measurements to record fair value adjustments and to determine fair value disclosures. The Corporation’s qualified benefit pension plan categorizes investments recorded at fair value into a three-level hierarchy, based on the markets in which the investment are traded and the reliability of the assumptions used to determine fair value. Refer to Note 1 for a description of the three-level hierarchy. Following is a description of the valuation methodologies and key inputs used to measure the fair value of the Corporation’s qualified defined benefit pension plan investments, including an indication of the level of the fair value hierarchy in which the investments are classified. Mutual funds Fair value measurement is based upon the net asset value (NAV) provided by the administrator of the fund. Mutual fund NAVs are quoted in an active market exchange, such as the New York Stock Exchange, and are included in Level 1 of the fair value hierarchy. Common stock Fair value measurement is based upon the closing price quoted in an active market exchange, such as the New York Stock Exchange. Level 1 common stock includes domestic and foreign stock and real estate investment trusts. U.S. Treasury and other U.S. government agency securities Level 1 securities include U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets. Fair value measurement is based upon quoted prices in an active market exchange, such as the New York Stock Exchange. Level 2 securities include debt securities issued by U.S. government agencies and U.S. government-sponsored entities. The fair value of Level 2 securities is determined using quoted prices of securities with similar characteristics, or pricing models based on observable market data inputs, primarily interest rates and spreads. Corporate and municipal bonds and notes Fair value measurement is based upon quoted prices of securities with similar characteristics or pricing models based on observable market data inputs, primarily interest rates, spreads and prepayment information. Level 2 securities include corporate bonds, municipal bonds, foreign bonds and foreign notes. Mortgage-backed securities Fair value measurement is based upon independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security's credit rating, prepayment assumptions and other factors, such as credit loss and liquidity assumptions, and are included in Level 2 of the fair value hierarchy. Private placements Fair value is measured using the NAV provided by fund management as quoted prices in active markets are not available. Management considers additional discounts to the provided NAV for market and credit risk. Private placements are included in Level 3 of the fair value hierarchy. Collective investment funds Fair value measurement is based upon the NAV provided by the administrator of the fund as a practical expedient to estimate fair value. There are no unfunded commitments or redemption restrictions on the collective investment funds. The investments are redeemable daily. Fair Values The fair values of the Corporation’s qualified defined benefit pension plan investments measured at fair value on a recurring basis at December 31, 2023 and 2022, by asset category and level within the fair value hierarchy, are detailed in the table below. (in millions) Total Level 1 Level 2 Level 3 December 31, 2023 Fixed income securities: U.S. Treasury and other U.S. government agency securities $ 567 $ 564 $ 3 $ — Corporate and municipal bonds and notes 786 — 786 — Private placements 44 — — 44 Total investments in the fair value hierarchy $ 1,397 $ 564 $ 789 $ 44 Investments measured at net asset value: Collective investment funds 1,268 Total investments at fair value $ 2,665 December 31, 2022 Fixed income securities: U.S. Treasury and other U.S. government agency securities $ 534 $ 531 $ 3 $ — Corporate and municipal bonds and notes 676 — 676 — Mortgage-backed securities 20 — 20 — Private placements 39 — — 39 Total investments in the fair value hierarchy $ 1,269 $ 531 $ 699 $ 39 Investments measured at net asset value: Collective investment funds 1,230 Total investments at fair value $ 2,499 The table below provides a summary of changes in the Corporation’s qualified defined benefit pension plan’s Level 3 investments measured at fair value on a recurring basis for the years ended December 31, 2023 and 2022. Balance at Balance at Net Gains (Losses) (in millions) Realized Unrealized Purchases Sales Year Ended December 31, 2023 Private placements $ 39 $ (3) $ 8 $ 46 $ (46) $ 44 Year Ended December 31, 2022 Private placements $ 50 $ (3) $ (12) $ 38 $ (34) $ 39 There were no assets in the non-qualified defined benefit pension plan at December 31, 2023 and 2022. The postretirement benefit plan is fully invested in bank-owned life insurance policies. The fair value of bank-owned life insurance policies is based on the cash surrender values of the policies as reported by the insurance companies and is classified in Level 2 of the fair value hierarchy. Cash Flows The Corporation currently expects to make no employer contributions to the qualified and non-qualified defined benefit pension plans and postretirement benefit plan for the year ended December 31, 2024. Estimated Future Benefit Payments (in millions) Years Ended December 31 Qualified Non-Qualified Postretirement 2024 $ 162 $ 15 $ 3 2025 140 15 2 2026 144 15 2 2027 142 15 2 2028 143 15 2 2029 - 2033 668 73 6 (a) Estimated benefit payments in the postretirement benefit plan are net of estimated Medicare subsidies. Defined Contribution Plans Substantially all of the Corporation’s employees are eligible to participate in the Corporation’s principal defined contribution plan (a 401(k) plan). Under this plan, the Corporation makes core matching cash contributions of 100 percent of the first 4 percent of qualified earnings contributed by employees (up to the current IRS compensation limit), invested based on employee investment elections. Employee benefits expense included expense for the plan of $27 million for the year ended December 31, 2023 and $24 million for both years ended December 31, 2022 and 2021. Deferred Compensation Plans The Corporation offers optional deferred compensation plans under which certain employees and non-employee directors (participants) may make an irrevocable election to defer incentive compensation and/or a portion of base salary until retirement or separation from the Corporation. The participant may direct deferred compensation into one or more deemed investment options. Although not required to do so, the Corporation invests actual funds into the deemed investments as directed by participants, resulting in a deferred compensation asset, recorded in other short-term investments on the Consolidated Balance Sheets that offsets the liability to participants under the plan, recorded in accrued expenses and other liabilities. The earnings from the deferred compensation asset are recorded in interest on short-term investments and other noninterest income and the related change in the liability to participants under the plan is recorded in salaries and benefits expense on the Consolidated Statements of Income.

Income Taxes And Tax-Related It

Income Taxes And Tax-Related Items	12 Months Ended
Income Taxes And Tax-Related Items	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Income Taxes and Tax-Related Items	INCOME TAXES AND TAX-RELATED ITEMS The provision for income taxes is calculated as the sum of income taxes due for the current year and deferred taxes. Income taxes due for the current year are computed by applying federal and state tax statutes to current year taxable income. Deferred taxes arise from temporary differences between the income tax basis and financial accounting basis of assets and liabilities. Tax-related interest and penalties and foreign taxes are then added to the tax provision. The current and deferred components of the provision for income taxes were as follows: (in millions) December 31 2023 2022 2021 Current: Federal $ 297 $ 296 $ 212 Foreign 9 6 5 State and local 49 50 26 Total current 355 352 243 Deferred: Federal (83) (24) 62 State and local (9) (3) 17 Total deferred (92) (27) 79 Total $ 263 $ 325 $ 322 Income before income taxes of $1.1 billion for the year ended December 31, 2023 included $87 million of foreign taxable income. The provision for income taxes does not reflect the tax effects of unrealized gains and losses on investment securities available-for-sale, hedging transactions or the change in defined benefit pension and other postretirement plans adjustment included in accumulated other comprehensive (loss) income. Refer to Note 14 for additional information on accumulated other comprehensive (loss) income. A reconciliation of expected income tax expense at the federal statutory rate to the Corporation’s provision for income taxes and effective tax rate follows: (dollar amounts in millions) 2023 2022 2021 Years Ended December 31 Amount Rate Amount Rate Amount Rate Tax based on federal statutory rate $ 240 21.0 % $ 310 21.0 % $ 313 21.0 % State income taxes 35 3.1 36 2.5 35 2.4 Affordable housing and historic credits (16) (1.4) (13) (0.9) (13) (0.9) Bank-owned life insurance (10) (0.9) (10) (0.7) (10) (0.6) FDIC insurance expense 15 1.3 6 0.4 5 0.3 Employee stock transactions (1) (0.1) (3) (0.2) (3) (0.2) Tax-related interest and penalties (4) (0.4) — — — — Other 4 0.4 (1) (0.1) (5) (0.4) Provision for income taxes $ 263 23.0 % $ 325 22.0 % $ 322 21.6 % The liability for tax-related interest and penalties, included in accrued expenses and other liabilities on the Consolidated Balance Sheets, was less than $1 million and $5 million at December 31, 2023 and 2022, respectively. The decrease in tax-related interest and penalties was primarily due to a state settlement received in 2023. In the ordinary course of business, the Corporation enters into certain transactions that have tax consequences. From time to time, the Internal Revenue Service (IRS) may review and/or challenge specific interpretive tax positions taken by the Corporation with respect to those transactions. The Corporation believes that its tax returns were filed based upon applicable statutes, regulations and case law in effect at the time of the transactions. The IRS or other tax jurisdictions, an administrative authority or a court, if presented with the transactions, could disagree with the Corporation’s interpretation of the tax law. A reconciliation of the beginning and ending amount of net unrecognized tax benefits follows: (in millions) 2023 2022 2021 Balance at January 1 $ 16 $ 18 $ 19 (Decrease) increase as a result of tax positions taken during a prior period — (2) 1 Increase as a result of tax positions taken during the current period 1 3 3 Decreases related to settlements with tax authorities (10) (3) (3) Reduction as a result of expiration of statute of limitations — — (2) Balance at December 31 $ 7 $ 16 $ 18 After consideration of the effect of the federal tax benefit available on unrecognized state tax benefits, the total amount of unrecognized tax benefits which, if recognized, would affect the Corporation’s effective tax rate was approximately $5 million and $13 million at December 31, 2023 and 2022, respectively. The following tax years for significant jurisdictions remain subject to examination as of December 31, 2023: Jurisdiction Tax Years Federal 2020-2022 New York 2018-2022 California 2020-2022 Based on current knowledge and probability assessment of various potential outcomes, the Corporation believes current tax reserves are adequate, and the amount of any potential incremental liability arising is not expected to have a material adverse effect on the Corporation’s consolidated financial condition or results of operations. Probabilities and outcomes are reviewed as events unfold, and adjustments to the reserves are made when necessary. The principal components of deferred tax assets and liabilities were as follows: (in millions) December 31 2023 2022 Deferred tax assets: Allowance for loan losses $ 145 $ 128 Deferred compensation 77 84 Deferred loan origination fees and costs 11 12 Net hedging losses 186 290 Net unrealized losses on investment securities available-for-sale 628 713 Operating lease liabilities 81 85 Other temporary differences, net 124 42 Total deferred tax assets before valuation allowance 1,252 1,354 Valuation allowance (6) (5) Total deferred tax assets 1,246 1,349 Deferred tax liabilities: Lease financing transactions (20) (31) Defined benefit plans (159) (123) Allowance for depreciation (5) (4) Leasing right of use assets (67) (71) Total deferred tax liabilities (251) (229) Net deferred tax assets $ 995 $ 1,120

Transactions with Related Parti

Transactions with Related Parties	12 Months Ended
Transactions with Related Parties	Dec. 31, 2023
Related Party Transactions [Abstract]
Transactions with Related Parties	TRANSACTIONS WITH RELATED PARTIES The Corporation’s banking subsidiaries had, and expect to have in the future, transactions with the Corporation’s directors and executive officers, companies with which these individuals are associated and certain related individuals. Such transactions were made in the ordinary course of business and included extensions of credit, leases and professional services. With respect to extensions of credit, all were made on substantially the same terms, including interest rates and collateral, as those prevailing at the same time for comparable transactions with other customers and did not, in management’s opinion, involve more than normal risk of collectibility or present other unfavorable features. The aggregate amount of loans attributable to persons who were related parties at December 31, 2023 totaled $57 million at the beginning of 2023 and $81 million at the end of 2023. During 2023, new loans to related parties aggregated $277 million and repayments totaled $253 million.

Regulatory Capital and Reserve

Regulatory Capital and Reserve Requirements	12 Months Ended
Regulatory Capital and Reserve Requirements	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Capital and Reserve Requirements	REGULATORY CAPITAL Banking regulations limit the transfer of assets in the form of dividends, loans or advances from the bank subsidiaries to the parent company. Under the most restrictive of these regulations, the aggregate amount of dividends which can be paid to the parent company, without prior approval from bank regulatory agencies, approximated $400 million at January 1, 2024, plus 2024 net profits. Substantially all the assets of the Corporation’s banking subsidiaries are restricted from transfer to the parent company of the Corporation in the form of loans or advances. The Corporation’s subsidiary banks declared dividends of $675 million, $1.0 billion and $852 million in 2023, 2022 and 2021, respectively. The Corporation and its U.S. banking subsidiaries are subject to various regulatory capital requirements administered by federal and state banking agencies under the Basel III regulatory framework (Basel III). This regulatory framework establishes comprehensive methodologies for calculating regulatory capital and risk-weighted assets (RWA). Basel III also set minimum capital ratios as well as overall capital adequacy standards. Under Basel III, regulatory capital comprises Common Equity Tier 1 (CET1) capital, additional Tier 1 capital and Tier 2 capital. CET1 capital predominantly includes common shareholders' equity, less certain deductions for goodwill, intangible assets and deferred tax assets that arise from net operating losses and tax credit carry-forwards. Additionally, the Corporation has elected to permanently exclude capital in accumulated other comprehensive income (AOCI) related to debt securities classified as available-for-sale as well as for cash flow hedges and defined benefit postretirement plans from CET1, an option available to standardized approach entities under Basel III. Tier 1 capital incrementally includes noncumulative perpetual preferred stock. Tier 2 capital includes Tier 1 capital as well as subordinated debt qualifying as Tier 2 and qualifying allowance for credit losses. In addition to the minimum risk-based capital requirements, the Corporation and its Bank subsidiaries are required to maintain a minimum capital conservation buffer, in the form of common equity, of 2.5 percent in order to avoid restrictions on capital distributions and discretionary bonuses. The Corporation computes RWA using the standardized approach. Under the standardized approach, RWA is generally based on supervisory risk-weightings which vary by counterparty type and asset class. Under the Basel III standardized approach, capital is required for credit risk RWA, to cover the risk of unexpected losses due to failure of a customer or counterparty to meet its financial obligations in accordance with contractual terms; and if trading assets and liabilities exceed certain thresholds, capital is also required for market risk RWA, to cover the risk of losses due to adverse market movements or from position-specific factors. Quantitative measures established by regulation to ensure capital adequacy require the maintenance of minimum amounts and ratios of CET1, Tier 1 and total capital (as defined in the regulations) to average and/or risk-weighted assets. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Corporation’s financial statements. At December 31, 2023 and 2022, the Corporation and its U.S. banking subsidiaries exceeded the ratios required for an institution to be considered “well capitalized”. For U.S. banking subsidiaries, those requirements were total risk-based capital, Tier 1 risk-based capital, CET1 risk-based capital and leverage ratios greater than 10 percent, 8 percent, 6.5 percent and 5 percent, respectively, at December 31, 2023 and 2022. For the Corporation, requirements to be considered "well capitalized" were total risk-based capital and Tier 1 risk-based capital ratios greater than 10 percent and 6 percent, respectively, at December 31, 2023 and 2022. There have been no conditions or events since December 31, 2023 that management believes have changed the capital adequacy classification of the Corporation or its U.S. banking subsidiaries. The following is a summary of the capital position of the Corporation and Comerica Bank, its principal banking subsidiary. (dollar amounts in millions) Comerica Comerica December 31, 2023 CET1 capital (minimum $3.4 billion (Consolidated)) $ 8,414 $ 8,007 Tier 1 capital (minimum $4.6 billion (Consolidated)) 8,808 8,007 Total capital (minimum $6.1 billion (Consolidated)) 10,263 9,362 Risk-weighted assets 75,901 75,783 Average assets (fourth quarter) 87,538 87,423 CET1 capital to risk-weighted assets (minimum-4.5%) 11.09 % 10.57 % Tier 1 capital to risk-weighted assets (minimum-6.0%) 11.60 10.57 Total capital to risk-weighted assets (minimum-8.0%) 13.52 12.35 Tier 1 capital to average assets (minimum-4.0%) 10.06 9.16 Capital conservation buffer (minimum-2.5%) 5.52 4.35 December 31, 2022 CET1 capital (minimum $3.5 billion (Consolidated)) $ 7,884 $ 7,801 Tier 1 capital (minimum $4.7 billion (Consolidated)) 8,278 7,801 Total capital (minimum $6.3 billion (Consolidated)) 9,817 9,190 Risk-weighted assets 78,871 78,781 Average assets (fourth quarter) 86,726 86,608 CET1 capital to risk-weighted assets (minimum-4.5%) 10.00 % 9.90 % Tier 1 capital to risk-weighted assets (minimum-6.0%) 10.50 9.90 Total capital to risk-weighted assets (minimum-8.0%) 12.45 11.67 Tier 1 capital to average assets (minimum-4.0%) 9.55 9.01 Capital conservation buffer (minimum-2.5%) 4.45 3.67

Contingent Liabilities

Contingent Liabilities	12 Months Ended
Contingent Liabilities	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Contingent Liabilities	CONTINGENT LIABILITIES Legal Proceedings and Regulatory Matters The Corporation and certain of its subsidiaries are subject to various other pending or threatened legal proceedings arising out of the normal course of business or operations. The Corporation believes it has substantial defenses to the claims asserted against it in its other currently outstanding legal proceedings and, with respect to such legal proceedings, intends to continue to defend itself vigorously, litigating or settling cases according to management’s judgment as to what is in the best interests of the Corporation and its shareholders. Settlement may result from the Corporation's determination that it may be more prudent financially to settle, rather than litigate, and should not be regarded as an admission of liability. Further, from time to time, the Corporation is also subject to examinations, inquiries and investigations by regulatory authorities in areas including, but not limited to, compliance, risk management and consumer protection, which could lead to administrative or legal proceedings or settlements. For example, the Consumer Financial Protection Bureau (CFPB) is investigating certain of the Corporation's practices, and the Corporation has responded and continues to respond to the CFPB. We are unable to predict the outcome of these discussions at this time. Remedies in these proceedings or settlements may include fines, penalties, restitution or alterations in the Corporation's business practices and may result in increased operating expenses or decreased revenues. On at least a quarterly basis, the Corporation assesses its potential liabilities and contingencies in connection with outstanding legal proceedings and regulatory matters utilizing the latest information available. On a case-by-case basis, accruals are established for those legal claims and regulatory matters for which it is probable that a loss will be incurred and the amount of such loss can be reasonably estimated. The actual costs of resolving these claims and regulatory matters may be substantially higher or lower than the amounts accrued. Based on current knowledge, and after consultation with legal counsel, management believes current accruals are adequate, and the amount of any incremental liability arising from these matters is not expected to have a material adverse effect on the Corporation’s consolidated financial condition, results of operations or cash flows. Legal fees of $26 million, $17 million and $14 million for the years ended December 31, 2023, 2022 and 2021, respectively, were included in other noninterest expenses on the Consolidated Statements of Income. For matters where a loss is not probable, the Corporation has not established an accrual. The Corporation believes the estimate of the aggregate range of reasonably possible losses, in excess of established accruals, for all legal proceedings and regulatory matters in which it is involved is from zero to approximately $202 million at December 31, 2023. This estimated aggregate range of reasonably possible losses is based upon currently available information for those legal proceedings and regulatory matters in which the Corporation is involved, taking into account the Corporation’s best estimate of such losses for those legal cases and regulatory matters for which such estimate can be made. For certain legal cases and regulatory matters, the Corporation does not believe that an estimate can currently be made. The Corporation’s estimate involves significant judgment, given the varying stages of the legal proceedings and regulatory matters (including the fact many are currently in preliminary stages), the existence in certain legal proceedings of multiple defendants (including the Corporation) whose share of liability has yet to be determined, the numerous yet-unresolved issues in many of the legal proceedings and regulatory matters (including issues regarding class certification and the scope of many of the claims) and the attendant uncertainty of the various potential outcomes of such legal proceedings and regulatory matters. Accordingly, the Corporation’s estimate will change from time to time, and actual losses may be more or less than the current estimate. In the event of unexpected future developments, it is possible that the ultimate resolution of these matters, if unfavorable, may be material to the Corporation's consolidated financial condition, results of operations or cash flows. For information regarding income tax contingencies, refer to Note 18.

Business Segment Information

Business Segment Information	12 Months Ended
Business Segment Information	Dec. 31, 2023
Segment Reporting [Abstract]
Business Segment Information	STRATEGIC LINES OF BUSINESS The Corporation has strategically aligned its operations into three major business segments: the Commercial Bank, the Retail Bank and Wealth Management. These business segments are differentiated based on the type of customer and the related products and services provided. In addition to the three major business segments, the Finance Division is also reported as a segment. Business segment results are produced by the Corporation’s internal management accounting system. This system measures financial results based on the internal business unit structure of the Corporation. The performance of the business segments is not comparable with the Corporation's consolidated results and is not necessarily comparable with similar information for any other financial institution. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities. The management accounting system assigns balance sheet and income statement items to each business segment using certain methodologies, which are regularly reviewed and refined. From time to time, the Corporation may make reclassifications among the segments to more appropriately reflect management's current view of the segments, and methodologies may be modified as the management accounting system is enhanced and changes occur in the organizational structure and/or product lines. For comparability purposes, amounts in all periods are based on business unit structure and methodologies in effect at December 31, 2023. Net interest income for each segment reflects the interest income generated by earning assets less interest expense on interest-bearing liabilities plus the net impact from associated internal funds transfer pricing (FTP) funding credits and charges. The FTP methodology allocates credits to each business segment for deposits and other funds provided as well as charges for loans and other assets being funded. This credit or charge is based on matching stated or implied maturities for these assets and liabilities. The FTP crediting rates on deposits and other funds provided reflect the long-term value of deposits and other funding sources based on their implied maturity. Due to the longer-term nature of implied maturities, FTP crediting rates are generally less volatile than changes in interest rates observed in the market. FTP charge rates for funding loans and other assets reflect a matched cost of funds based on the pricing and duration characteristics of the assets. As a result of applying matched funding, interest revenue for each segment resulting from loans and other assets is generally not impacted by changes in interest rates. Therefore, net interest income for each segment primarily reflects the volume of loans and other earning assets at the spread over the matched cost of funds, as well as the volume of deposits at the associated FTP crediting rates. Generally, in periods of rising interest rates, FTP charge rates for funding loans and FTP crediting rates on deposits will increase, with FTP crediting rates for deposits typically repricing at a slower pace than FTP charge rates for funding loans. For acquired loans and deposits, matched maturity funding is determined based on origination date. Accordingly, the FTP process reflects the transfer of interest rate risk exposures to the Corporate Treasury department within the Finance segment, where such exposures are centrally managed. The allowance for credit losses is allocated to the business segments based on the methodology used to estimate the consolidated allowance for credit losses described in Note 1. The related provision for credit losses is assigned based on the amount necessary to maintain an allowance for credit losses appropriate for each business segment. Noninterest income and expenses directly attributable to a line of business are assigned to that business segment. Direct expenses incurred by areas whose services support the overall Corporation are allocated to the business segments as follows: product processing expenditures are allocated based on standard unit costs applied to actual volume measurements; administrative expenses are allocated based on estimated time expended; and corporate overhead is assigned 50 percent based on the ratio of the business segment’s noninterest expenses to total noninterest expenses incurred by all business segments and 50 percent based on the ratio of the business segment’s attributed equity to total attributed equity of all business segments. Equity is attributed based on credit, operational and interest rate risks. Most of the equity attributed relates to credit risk, which is determined based on the credit score and expected remaining life of each loan, letter of credit and unused commitment recorded in the business segments. Operational risk is allocated based on loans and letters of credit, deposit balances, non-earning assets, trust assets under management, certain noninterest income items, and the nature and extent of expenses incurred by business units. Virtually all interest rate risk is assigned to Finance, as are the Corporation’s hedging activities. The following discussion provides information about the activities of each business segment. A discussion of the financial results and the factors impacting 2023 performance can be found in "Strategic Lines of Business" section of the financial review. The Commercial Bank meets the needs of small and middle market businesses, multinational corporations and governmental entities by offering various products and services including commercial loans and lines of credit, deposits, cash management, payment solutions, card services, capital market products, international trade finance and letters of credit. The Retail Bank includes a full range of personal financial services, consisting of consumer lending, consumer deposit gathering and mortgage loan origination. This business segment offers a variety of consumer products, including deposit accounts, installment loans, credit cards, home equity lines of credit and residential mortgage loans. In addition, this business segment offers products and services to small businesses who are serviced through a team of dedicated small business bankers and our branch network. Wealth Management provides products and services to affluent, high-net worth and ultra-high-net-worth individuals and families, business owners and executives, and institutional clients, including comprehensive financial planning, trust and fiduciary services, investment management and advisory, brokerage, private banking, and business transition planning services. The Finance segment includes the Corporation’s securities portfolio and asset and liability management activities. This segment is responsible for managing the Corporation’s funding, liquidity and capital needs, performing interest sensitivity analysis and executing various strategies to manage the Corporation’s exposure to liquidity, interest rate risk and foreign exchange risk. The Other category includes tax benefits not assigned to specific business segments, charges of an unusual or infrequent nature that are not reflective of the normal operations of the business segments and miscellaneous other expenses of a corporate nature. Business segment financial results are as follows: (dollar amounts in millions) Commercial Retail Wealth Management Finance Other Total Year Ended December 31, 2023 Earnings summary: Net interest income (expense) $ 2,051 $ 846 $ 208 $ (693) $ 102 $ 2,514 Provision for credit losses 90 3 (6) — 2 89 Noninterest income 603 119 307 37 12 1,078 Noninterest expenses 1,106 728 402 12 111 2,359 Provision (benefit) for income taxes 342 58 29 (164) (2) 263 Net income (loss) $ 1,116 $ 176 $ 90 $ (504) $ 3 $ 881 Net charge-offs $ 20 $ 1 $ 1 $ — $ — $ 22 Selected average balances: Assets $ 49,458 $ 2,960 $ 5,500 $ 20,139 $ 9,137 $ 87,194 Loans 46,435 2,236 5,232 — — 53,903 Deposits 33,019 24,363 4,130 4,169 337 66,018 Statistical data: Return on average assets (a) 2.26 % 0.71 % 1.61 % n/m n/m 1.01 % Efficiency ratio (b) 41.68 74.90 78.16 n/m n/m 65.56 Year Ended December 31, 2022 Earnings summary: Net interest income $ 1,761 $ 680 $ 199 $ (195) $ 21 $ 2,466 Provision for credit losses 32 11 9 — 8 60 Noninterest income 607 122 298 59 (18) 1,068 Noninterest expenses 964 690 348 1 (5) 1,998 Provision (benefit) for income taxes 315 22 34 (39) (7) 325 Net income (loss) $ 1,057 $ 79 $ 106 $ (98) $ 7 $ 1,151 Net charge-offs (recoveries) $ 21 $ (1) $ (3) $ — $ — $ 17 Selected average balances: Assets $ 47,437 $ 2,814 $ 5,037 $ 20,912 $ 11,072 $ 87,272 Loans 43,481 2,063 4,906 — 10 50,460 Deposits 42,584 26,672 5,439 360 426 75,481 Statistical data: Return on average assets (a) 2.23 % 0.29 % 1.84 % n/m n/m 1.32 % Efficiency ratio (b) 40.57 85.51 69.92 n/m n/m 56.32 Table continues on the following page. (dollar amounts in millions) Commercial Bank Retail Wealth Management Finance Other Total Year Ended December 31, 2021 Earnings summary: Net interest income (expense) $ 1,574 $ 565 $ 166 $ (471) $ 10 $ 1,844 Provision for credit losses (346) (5) (32) — (1) (384) Noninterest income 663 123 279 41 17 1,123 Noninterest expenses 871 648 316 1 25 1,861 Provision (benefit) for income taxes 384 5 36 (100) (3) 322 Net income (loss) $ 1,328 $ 40 $ 125 $ (331) $ 6 $ 1,168 Net credit-related (recoveries) charge-offs $ (12) $ 2 $ — $ — $ — $ (10) Selected average balances: Assets $ 44,007 $ 3,213 $ 5,025 $ 17,713 $ 20,194 $ 90,152 Loans 41,799 2,382 4,902 — — 49,083 Deposits 45,602 25,682 5,218 787 392 77,681 Statistical data: Return on average assets (a) 2.71 % 0.15 % 2.24 % n/m n/m 1.30 % Efficiency ratio (b) 38.78 93.34 70.93 n/m n/m 62.42 (a) Return on average assets is calculated based on the greater of average assets or average liabilities and attributed equity. (b) Noninterest expenses as a percentage of the sum of net interest income and noninterest income excluding net gains (losses) from securities, a derivative contract tied to the conversion rate of Visa Class B shares and changes in the value of shares obtained through monetization of warrants. n/m – not meaningful

Parent Company FInancial Statem

Parent Company FInancial Statements	12 Months Ended
Parent Company FInancial Statements	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Parent Company Financial Statments	PARENT COMPANY FINANCIAL STATEMENTS BALANCE SHEETS - COMERICA INCORPORATED (in millions, except share data) December 31 2023 2022 Assets Cash and due from subsidiary banks $ 1,415 $ 1,810 Other short-term investments 104 92 Receivable due from subsidiary bank — 150 Investment in subsidiaries, principally banks 5,777 4,853 Accrued income and other assets 180 191 Total assets $ 7,476 $ 7,096 Liabilities and Shareholders’ Equity Medium- and long-term debt $ 764 $ 1,593 Accrued expenses and other liabilities 306 322 Total liabilities 1,070 1,915 Fixed-rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares Issued - 4,000 shares 394 394 Common stock - $5 par value: Authorized - 325,000,000 shares Issued - 228,164,824 shares 1,141 1,141 Capital surplus 2,224 2,220 Accumulated other comprehensive loss (3,048) (3,742) Retained earnings 11,727 11,258 Less cost of common stock in treasury - 96,266,568 shares at 12/31/2023 and 97,197,962 shares at 12/31/2022 (6,032) (6,090) Total shareholders’ equity 6,406 5,181 Total liabilities and shareholders’ equity $ 7,476 $ 7,096 STATEMENTS OF INCOME - COMERICA INCORPORATED (in millions) Years Ended December 31 2023 2022 2021 Income Income from subsidiaries: Dividends from subsidiaries $ 677 $ 1,067 $ 849 Other interest income 53 13 1 Intercompany management fees 75 109 235 Total income 805 1,189 1,085 Expenses Interest on medium- and long-term debt 79 47 20 Salaries and benefits expense 62 53 170 Other noninterest expenses 13 46 72 Total expenses 154 146 262 Income before benefit for income taxes and equity in undistributed earnings of subsidiaries 651 1,043 823 Benefit for income taxes (2) (3) (6) Income before equity in undistributed earnings of subsidiaries 653 1,046 829 Equity in undistributed earnings of subsidiaries, principally banks 228 105 339 Net income 881 1,151 1,168 Less income allocated to participating securities 4 6 5 Preferred stock dividends 23 23 23 Net income attributable to common shares $ 854 $ 1,122 $ 1,140 STATEMENTS OF CASH FLOWS - COMERICA INCORPORATED (in millions) Years Ended December 31 2023 2022 2021 Operating Activities Net income $ 881 $ 1,151 $ 1,168 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed losses of subsidiaries, principally banks (228) (105) (339) Net periodic defined benefit cost 1 2 5 Share-based compensation expense 18 22 19 (Benefit) provision for deferred income taxes (2) — (2) Other, net 28 24 3 Net cash provided by operating activities 698 1,094 854 Investing Activities Advance to subsidiary bank — — (150) Repayment of subsidiary advance 150 — — Other, net — 2 (1) Net cash provided by (used in) investing activities 150 2 (151) Financing Activities Maturities of medium- and long-term debt (850) — — Cash dividends paid on preferred stock (23) (23) (23) Common Stock: Repurchases (17) (43) (729) Cash dividends paid (371) (353) (369) Issuances under employee stock plans 18 28 34 Net cash used in financing activities (1,243) (391) (1,087) Net (decrease) increase in cash and cash equivalents (395) 705 (384) Cash and cash equivalents at beginning of period 1,810 1,105 1,489 Cash and cash equivalents at end of period $ 1,415 $ 1,810 $ 1,105 Interest paid $ 76 $ 41 $ 21

Revenue from Contracts with Cus

Revenue from Contracts with Customers Revenue from Contracts with Customers	12 Months Ended
	Dec. 31, 2023
Revenue from Contracts with Customers [Abstract]
Revenue from Contract with Customer	REVENUE FROM CONTRACTS WITH CUSTOMERS Revenue from contracts with customers comprises the noninterest income earned by the Corporation in exchange for services provided to customers. The following table presents the composition of revenue from contracts with customers, segregated from other sources of noninterest income, by business segment. Commercial Retail Wealth Management Finance & Other Total (in millions) Year Ended December 31, 2023 Revenue from contracts with customers: Card fees $ 231 $ 45 $ 4 $ — $ 280 Fiduciary income 1 — 234 — 235 Service charges on deposit accounts 125 55 5 — 185 Commercial loan servicing fees (a) 11 — — — 11 Capital markets income (b) 17 — — — 17 Brokerage fees — — 30 — 30 Other noninterest income (b) 2 14 23 1 40 Total revenue from contracts with customers 387 114 296 1 798 Other sources of noninterest income 216 5 11 48 280 Total noninterest income $ 603 $ 119 $ 307 $ 49 $ 1,078 Year Ended December 31, 2022 Revenue from contracts with customers: Card fees $ 227 $ 42 $ 4 $ — $ 273 Fiduciary income — — 233 — 233 Service charges on deposit accounts 132 57 6 — 195 Commercial loan servicing fees (a) 11 — — — 11 Capital markets income (b) 11 — — — 11 Brokerage fees — — 21 — 21 Other noninterest income (b) 3 16 24 1 44 Total revenue from contracts with customers 384 115 288 1 788 Other sources of noninterest income 223 7 10 40 280 Total noninterest income $ 607 $ 122 $ 298 $ 41 $ 1,068 Year Ended December 31, 2021 Revenue from contracts with customers: Card fees $ 250 $ 44 $ 4 $ — $ 298 Fiduciary income — — 231 — 231 Service charges on deposit accounts 136 54 5 — 195 Commercial loan servicing fees (a) 13 — — — 13 Capital markets income (b) 17 — — — 17 Brokerage fees — — 14 — 14 Other noninterest income (b) (6) 17 17 — 28 Total revenue from contracts with customers 410 115 271 — 796 Other sources of noninterest income 253 8 8 58 327 Total noninterest income $ 663 $ 123 $ 279 $ 58 $ 1,123 (a) Included in commercial lending fees on the Consolidated Statements of Income. (b) Excludes derivative, warrant and other miscellaneous income. (c) Effective January 1, 2023, the Corporation reported derivative income, syndication agent fees (previously a component of commercial lending fees) and investment banking fees (previously a component of other noninterest income) as a combined item captioned by capital markets income on the Consolidated Statements of Comprehensive Income. Prior periods have been adjusted to conform to this presentation, and the changes in presentation do not impact total noninterest income Revenue from contracts with customers did not generate significant contract assets and liabilities.

Leases (Notes)

Leases (Notes)	12 Months Ended
Leases (Notes)	Dec. 31, 2023
Leases [Abstract]
Leases [Text Block]	LEASES As a lessee, the Corporation has entered into operating leases for the majority of its real estate locations, primarily retail and office space. Total lease expense for the years ended December 31, 2023, 2022 and 2021 were as follows: (in millions) Years Ended December 31 2023 2022 2021 Operating lease expense $ 67 $ 68 $ 65 Variable lease expense 18 17 15 Less sublease income (1) (1) (1) Total lease expense $ 84 $ 84 $ 79 Supplemental balance sheet information related to leases is summarized as follows: (dollar amounts in millions) Years Ended December 31 2023 2022 2021 Included in accrued income and other assets Right-of-use (ROU) assets $ 317 $ 338 $ 317 Included in accrued expenses and other liabilities Operating lease liabilities 388 406 356 Weighted average discount rate 3.72 % 3.53 % 3.33 % Weighted average remaining lease term in years 9 9 8 Supplemental cash flow information related to leases is summarized as follows: (in millions) Years Ended December 31 2023 2022 2021 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 69 $ 66 $ 66 ROU assets obtained in exchange for new liabilities 28 80 64 As of December 31, 2023, the contractual maturities of operating lease liabilities were as follows: (in millions) Years Ended December 31 2024 $ 70 2025 68 2026 61 2027 50 2028 42 Thereafter 169 Total contractual maturities 460 Less imputed interest (72) Total operating lease liabilities $ 388 As a lessor, the Corporation leases certain types of manufacturing and warehouse equipment as well as public and private transportation vehicles to its customers. The Corporation recognized lease-related revenue, primarily interest income from sales-type and direct financing leases of $40 million, $21 million and $12 million for the years ended December 31, 2023, 2022 and 2021, respectively. The Corporation's net investment in sales-type and direct financing leases was $761 million and $659 million at December 31, 2023 and 2022, respectively. As of December 31, 2023, the contractual maturities of sales-type and direct financing lease receivables were as follows: (in millions) Years Ended December 31 2024 $ 118 2025 154 2026 90 2027 49 2028 39 Thereafter 268 Total lease payments receivable 718 Unguaranteed residual values 61 Less deferred interest income (18) Total lease receivables (a) $ 761 (a) Excludes net investment in leveraged leases of $46 million.

Basis of Presentation and Acc_2

Basis of Presentation and Accounting Policies Basis of Presentation and Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of the Corporation and the accounts of those subsidiaries that are majority owned and in which the Corporation has a controlling financial interest. The Corporation consolidates entities not determined to be variable interest entities (VIEs) when it holds a controlling financial interest and applies the cost or equity method when it holds less than a controlling financial interest. In consolidation, all significant intercompany accounts and transactions are eliminated. The results of operations of companies acquired are included from the date of acquisition. The Corporation holds investments in certain legal entities that are considered VIEs. In general, a VIE is an entity that either (1) has an insufficient amount of equity to carry out its principal activities without additional subordinated financial support, (2) has a group of equity owners that are unable to make significant decisions about its activities, or (3) has a group of equity owners that do not have the obligation to absorb losses or the right to receive returns generated by its operations. If any of these characteristics are present, the entity is subject to a variable interests consolidation model, and consolidation is based on variable interests, not on voting interests. Variable interests are defined as contractual ownership or other economic interests in an entity that change with fluctuations in the entity’s net asset value. The primary beneficiary is required to consolidate the VIE as it has both the power to direct the activities of the VIE that most significantly impact the entity’s economic performance and the obligation to absorb losses or the right to receive benefits that could be significant to the VIE. The maximum potential exposure to losses relative to investments in VIEs is generally limited to the sum of the outstanding book basis and unfunded commitments for future investments. The Corporation evaluates its investments in VIEs, both at inception and when there is a change in circumstances that requires reconsideration, to determine if the Corporation is the primary beneficiary and consolidation is required. The Corporation accounts for unconsolidated VIEs using either the proportional, cost or equity method. These investments comprise investments in community development projects which generate tax credits to their investors and are included in accrued income and other assets on the Consolidated Balance Sheets. The proportional method is used for investments in affordable housing projects that qualify for the low-income housing tax credit (LIHTC). The equity method is used for other investments where the Corporation has the ability to exercise significant influence over an entity’s operations and financial policies. Other unconsolidated equity investments that do not meet the criteria to be accounted for under the equity method are accounted for under the cost method. Amortization and other write-downs of LIHTC investments are presented on a net basis as a component of the provision for income taxes, while income, amortization and write-downs from cost and equity method investments are recorded in other noninterest income on the Consolidated Statements of Income.
Fair Value Measurements	Fair Value Measurements The Corporation utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The determination of fair values of financial instruments often requires the use of estimates. In cases where quoted market values in an active market are not available, the Corporation uses present value techniques and other valuation methods to estimate the fair values of its financial instruments. These valuation methods require considerable judgment and the resulting estimates of fair value can be significantly affected by the assumptions made and methods used. Fair value is an estimate of the exchange price that would be received to sell an asset or paid to transfer a liability in an orderly transaction (i.e., not a forced transaction, such as a liquidation or distressed sale) between market participants at the measurement date. Fair value is based on the assumptions market participants would use when pricing an asset or liability. Investment securities available-for-sale, derivatives, deferred compensation plans and equity securities with readily determinable fair values (primarily money market mutual funds) are recorded at fair value on a recurring basis. Additionally, from time to time, the Corporation may be required to record other assets and liabilities at fair value on a nonrecurring basis, such as impaired loans, loans held for sale, other real estate (primarily foreclosed property), nonmarketable equity securities and certain other assets and liabilities. These nonrecurring fair value adjustments typically involve write-downs of individual assets or application of lower of cost or fair value accounting. Fair value measurements and disclosures guidance establishes a three-level fair value hierarchy based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The fair value hierarchy gives the highest priority to quoted prices in active markets and the lowest priority to unobservable data. Fair value measurements are separately disclosed by level within the fair value hierarchy. For assets and liabilities recorded at fair value, it is the Corporation’s policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements. Level 1 Valuation is based on quoted prices for identical instruments traded in active markets. Level 2 Valuation is based on quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are less active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 3 Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. The Corporation generally utilizes third-party pricing services to value Level 1 and Level 2 securities. Management reviews the methodologies and assumptions used by the third-party pricing services and evaluates the values provided, principally by comparison with other available market quotes for similar instruments and/or analysis based on internal models using available third-party market data. The Corporation may occasionally adjust certain values provided by the third-party pricing service when management believes, as the result of its review, that the adjusted price most appropriately reflects the fair value of the particular security. Fair value measurements for assets and liabilities where limited or no observable market data exists are based primarily upon estimates, often calculated based on the economic and competitive environment, the characteristics of the asset or liability and other factors. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset or liability. Additionally, there may be inherent weaknesses in any calculation technique, so that changes in the underlying assumptions used, including discount rates and estimates of future cash flows, could significantly affect the results of current or future values. Following are descriptions of the valuation methodologies and key inputs used to measure financial assets and liabilities recorded at fair value, as well as a description of the methods and significant assumptions used to estimate fair value disclosures for financial instruments not recorded at fair value in their entirety on a recurring basis. The descriptions include an indication of the level of the fair value hierarchy in which the assets or liabilities are classified. Deferred compensation plan assets and liabilities as well as equity securities with a readily determinable fair value The Corporation holds a portfolio of securities that includes equity securities and assets held related to deferred compensation plans. Securities and associated deferred compensation plan liabilities are recorded at fair value on a recurring basis and included in other short-term investments and accrued expenses and other liabilities, respectively, on the Consolidated Balance Sheets. Level 1 securities include assets related to deferred compensation plans, which are invested in mutual funds, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and other securities traded on an active exchange, such as the New York Stock Exchange. Level 2 securities include municipal bonds and mortgage-backed securities issued by U.S. government-sponsored entities and corporate debt securities. Deferred compensation plan liabilities represent the fair value of the obligation to the plan participant, which corresponds to the fair value of the invested assets. The methods used to value equity securities and deferred compensation plan assets are the same as the methods used to value investment securities, discussed below. Investment securities available-for-sale Investment securities available-for-sale are recorded at fair value on a recurring basis. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by U.S. government agencies and U.S. government-sponsored entities, as well as corporate debt securities. The fair value of Level 2 securities is determined using quoted prices of securities with similar characteristics, or pricing models based on observable market data inputs, primarily interest rates, spreads and prepayment information. Securities classified as Level 3 represent securities in less liquid markets requiring significant management assumptions when determining fair value. Loans held-for-sale Loans held-for-sale, included in other short-term investments on the Consolidated Balance Sheets, are recorded at the lower of cost or fair value. Loans held-for-sale may be carried at fair value on a nonrecurring basis when fair value is less than cost. When the fair value is based on what secondary markets are currently offering for portfolios with similar characteristics, the loans are classified as Level 2. When secondary market information is not available, the fair value is estimated based on the repricing frequency of the loans and estimated credit risk using internally-developed lifetime loss estimates, resulting in the loans being classified as Level 3. Loans The Corporation does not record loans at fair value on a recurring basis. However, an individual allowance may be established for a loan that no longer shares risk characteristics with loan pools, typically collateral-dependent loans for which reserves are based on the fair value of the underlying collateral. Such loan values are reported as nonrecurring fair value measurements. Collateral values supporting individually evaluated loans are evaluated quarterly. When management determines that the fair value of the collateral requires additional adjustments, either as a result of non-current appraisal value or when there is no observable market price, the Corporation classifies the loan as Level 3. Derivative assets and derivative liabilities Derivative instruments held or issued for risk management or customer-initiated activities are traded in over-the-counter markets where quoted market prices are not readily available. Fair value for over-the-counter derivative instruments is measured on a recurring basis using internally developed models primarily based on market observable inputs, such as yield curves and option volatilities. The Corporation manages credit risk on its derivative positions based on whether the derivatives are settled through a clearinghouse or bilaterally with each counterparty. For derivative positions settled on a counterparty-by-counterparty basis, the Corporation calculates credit valuation adjustments, included in the fair value of these instruments, on the basis of its relationships at the counterparty portfolio or master netting agreement level. These credit valuation adjustments are determined by applying a credit spread for the counterparty or the Corporation, as appropriate, to the total expected exposure of the derivative after considering collateral and other master netting arrangements. These adjustments, which are considered Level 3 inputs, are based on estimates of current credit spreads to evaluate the likelihood of default. When credit valuation adjustments are significant to the overall fair value of a derivative, the Corporation classifies the over-the-counter derivative valuation in Level 3 of the fair value hierarchy; otherwise, over-the-counter derivative valuations are classified in Level 2. Other real estate Other real estate is included in accrued income and other assets on the Consolidated Balance Sheets and includes primarily foreclosed property. Foreclosed property is initially recorded at fair value, less costs to sell, at the date of legal title transfer to the Corporation, establishing a new cost basis. Subsequently, foreclosed property is carried at the lower of cost or fair value, less costs to sell. Other real estate may be carried at fair value on a nonrecurring basis when fair value is less than cost. Fair value is based upon independent market prices, appraised value or management's estimate of the value of the property. When management determines that the fair value of other real estate requires additional adjustments, either as a result of a non-current appraisal or when there is no observable market price, the Corporation classifies the other real estate as Level 3.
Other Short-Term Investments	Other Short-Term Investments Other short-term investments include deferred compensation plan assets, certificates of deposits, equity securities with a readily determinable fair value and loans held-for-sale. Deferred compensation plan assets and equity securities are carried at fair value. Realized and unrealized gains or losses are included in other noninterest income on the Consolidated Statements of Income. Loans held-for-sale include variable-rate demand notes, residential mortgages originated with the intent to sell and occasionally other loans transferred to held-for-sale. Loans held-for-sale are carried at the lower of cost or fair value. Fair value is determined in the aggregate for each portfolio. Changes in fair value and gains or losses upon sale are included in other noninterest income on the Consolidated Statements of Income.
Investment Securities	Investment Securities Debt securities are classified as trading, available-for-sale (AFS) or held-to-maturity. Trading securities are recorded at fair value, with unrealized gains and losses included in noninterest income on the Consolidated Statements of Income. AFS securities are recorded at fair value, with unrealized gains and losses, net of income taxes, reported as a separate component of other comprehensive income (OCI). Securities for which management has the intent and ability to hold to maturity are classified as held-to-maturity and recorded at amortized cost. Interest income is recognized using the interest method. Substantially all of the Corporation's investment securities are classified as AFS at December 31, 2023 and 2022. An AFS security is impaired if its fair value is less than amortized cost. Credit-related impairment is recognized as an allowance to investment securities available-for-sale on the Consolidated Balance Sheets with a corresponding adjustment to provision for credit losses on the Consolidated Statements of Income. Non-credit-related impairment is recognized as a component of OCI. If the Corporation intends to sell an impaired AFS security or more likely than not will be required to sell that security before recovering its amortized cost basis, the entire impairment amount is recognized in earnings with corresponding adjustment to the security's amortized cost basis. For certain types of AFS securities, such as U.S. Treasuries and other securities with government guarantees, the Corporation generally expects zero credit losses. The zero-loss expectation applies to all the Corporation’s securities and no allowance for credit losses was recorded on its AFS securities portfolio at December 31, 2023. Gains or losses on the sale of securities are computed based on the adjusted cost of the specific security sold. For further information on investment securities, refer to Note 3.
Loans	Loans Loans and leases originated and held for investment are recorded at the principal balance outstanding, net of unearned income, charge-offs and unamortized deferred fees and costs. Interest income is recognized on loans and leases using the interest method. Effective January 1, 2023, the Corporation assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty, regardless of whether the modified loan terms include a concession. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof (collectively referred to as Financially Distressed Modifications or FDMs). Prior to 2023, the Corporation assessed all loan modifications to determine whether a restructuring constituted a troubled debt restructuring (TDR). A restructuring was considered a TDR when a borrower was experiencing financial difficulty and the Corporation granted a concession to the borrower. Certain types of modifications related to COVID-19 that were granted during 2020 and 2021 were excluded from TDR accounting. See Note 1 in the 2021 10-K for additional information. Effective January 1, 2020, the Corporation adopted ASU No. 2020-04 "Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting," (ASU 2020-04). Typically, entities must evaluate whether a loan contract modification results in a modified loan or a new loan for accounting purposes. Topic 848 allows entities to bypass this evaluation for qualifying modifications related to reference rate reform. The Corporation applied the relief
Loan Origination Fees and Costs	Loan Origination Fees and Costs Substantially all loan origination fees and costs are deferred and amortized to net interest income over the life of the related loan or over the commitment period as a yield adjustment. Net deferred income on originated loans, including unearned income and unamortized costs, fees, premiums and discounts, totaled $94 million and $118 million at December 31, 2023 and 2022, respectively. Loan fees on unused commitments and net origination fees related to loans sold are recognized in noninterest income.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses includes both the allowance for loan losses and the allowance for credit losses on lending-related commitments. The Corporation disaggregates the loan portfolio into segments for purposes of determining the allowance for credit losses. These segments are based on the level at which the Corporation develops, documents and applies a systematic methodology to determine the allowance for credit losses. The Corporation's portfolio segments are business loans and retail loans. Business loans include the commercial, real estate construction, commercial mortgage, lease financing and international loan portfolios. Retail loans consist of residential mortgage and consumer loans, including home equity loans. Current expected credit losses are estimated over the contractual life of the loan portfolio, considering all available relevant information, including historical and current conditions as well as reasonable and supportable forecasts of future events. For further information on the Allowance for Credit Losses, refer to Note 4. Allowance for Loan Losses The allowance for loan losses is estimated on a quarterly basis and represents management’s estimates of current expected credit losses in the Corporation’s loan portfolio. Pools of loans with similar risk characteristics are collectively evaluated while loans that no longer share risk characteristics with loan pools are evaluated individually. Collective loss estimates are determined by applying loss factors, designed to estimate current expected credit losses, to amortized cost balances over the remaining contractual life of the collectively evaluated portfolio. Loans with similar risk characteristics are aggregated into homogeneous pools. Business loans are assigned to pools based primarily on business line and the Corporation’s internal risk rating system. For retail loans, pools are based on loan type, past due status and credit scores. Loss factors are based on an estimated probability of default for each pool, set to a default horizon based on contractual life, and loss given default. Historical estimates are calibrated to economic forecasts over the reasonable and supportable forecast period based on the projected performance of specific economic variables that statistically correlate with each of the probability of default and loss given default pools. At least annually, management considers different models when estimating credit losses, selecting ones that most reasonably forecast credit losses in the relevant economic environment. The calculation of current expected credit losses is inherently subjective, as it requires management to exercise judgment in determining appropriate factors used to determine the allowance. Some of the most significant factors in the quantitative allowance estimate are assigning internal risk ratings to loans, selecting the economic forecasts used to calibrate the reserve factors and determining the reasonable and supportable forecast period. • Internal Risk Ratings : Loss factors are dependent on loan risk ratings for business loans. Risk ratings are assigned at origination, based on inherent credit risk, and updated based on new information that becomes available, periodic reviews of credit quality, a change in borrower performance or modifications to lending agreements. • Economic Forecasts: Management selects economic variables it believes to be most relevant based on the composition of the loan portfolio and customer base, including forecasted levels of employment, gross domestic product, corporate bond and treasury spreads, industrial production levels, consumer and commercial real estate price indices as well as housing statistics. Different economic forecast scenarios ranging from more benign to more severe are evaluated each reporting period to forecast losses over the contractual life of the loan portfolio. • Forecast Period : Economic forecasts are applied over the period management believes it can estimate reasonable and supportable forecasts. Forecast periods may be adjusted in response to changes in the economic environment. To estimate losses for contractual periods that extend beyond the forecast horizon, the Corporation reverts to an average historical loss experience. The Corporation typically forecasts economic variables over a two-year horizon, followed by an immediate reversion to an average historical loss experience that generally incorporates a full economic cycle. Management reviews this methodology on at least an annual basis. The allowance for loan losses also includes qualitative adjustments to bring the allowance to the level management believes is appropriate based on factors that have not otherwise been fully accounted for, including adjustments for foresight risk, input imprecision and model imprecision. Foresight risk reflects the inherent imprecision in forecasting economic variables, including determining the depth and duration of economic cycles and their impact to relevant economic variables. The Corporation may make qualitative adjustments based on its evaluation of different forecast scenarios and known recent events impacting relevant economic variables. Input imprecision factors address the risk that certain model inputs may not reflect all available information including (i) risk factors that have not been fully addressed in internal risk ratings, (ii) changes in lending policies and procedures, (iii) changes in the level and quality of experience held by lending management, (iv) imprecision in the risk rating system and (v) limitations in data available for certain loan portfolios. Model imprecision considers known model limitations and model updates not yet fully reflected in the quantitative estimate. The determination of the appropriate qualitative adjustment is based on management's analysis of current and expected economic conditions and their impact to the portfolio, as well as internal credit risk movements and a qualitative assessment of the lending environment, including underwriting standards. Management recognizes the sensitivity of various assumptions made in the quantitative modeling of expected losses and may adjust reserves depending upon the level of uncertainty that currently exists in one or more assumptions. Credit losses for loans that no longer share risk characteristics with the loan pools are estimated on an individual basis. Individual credit loss estimates are typically performed for nonaccrual loans and are based on one of several methods, including the estimated fair value of the underlying collateral, observable market value of similar debt or the present value of expected cash flows. The Corporation considers certain loans to be collateral-dependent if the borrower is experiencing financial difficulty and management expects repayment for the loan to be substantially through the operation or sale of the collateral. For collateral-dependent loans, loss estimates are based on the fair value of collateral, less estimated cost to sell (if applicable). Collateral values supporting individually evaluated loans are assessed quarterly and appraisals are typically obtained at least annually. The total allowance for loan losses is sufficient to absorb expected credit losses over the contractual life of the portfolio. Unanticipated events impacting the economy, including political instability or global events affecting the U.S. economy, could cause changes to expectations for current conditions and economic forecasts that result in an unanticipated increase in the allowance. Significant increases in current portfolio exposures or changes in credit characteristics could also increase the amount of the allowance. Such events, or others of similar nature, may result in the need for additional provision for credit losses in order to maintain an allowance that complies with credit risk and accounting policies. Loans deemed uncollectible are charged off and deducted from the allowance. Recoveries on loans previously charged off are added to the allowance. Credit losses are not estimated for accrued interest receivable as interest that is deemed uncollectible is written off through interest income. Allowance for Credit Losses on Lending-Related Commitments The allowance for credit losses on lending-related commitments estimates current expected credit losses on collective pools of letters of credit and unused commitments to extend credit based on reserve factors, determined in a manner similar to business loans, multiplied by a probability of draw estimate, based on historical experience and credit risk, applied to commitment amounts. The allowance for credit losses on lending-related commitments is included in accrued expenses and other liabilities on the Consolidated Balance Sheets, with the corresponding charge included in the provision for credit losses on the Consolidated Statements of Comprehensive Income.
Nonperforming Assets	Nonperforming Assets Nonperforming assets consist of nonaccrual loans, reduced-rate loans and foreclosed property. A loan is considered past due when the contractually required principal or interest payment is not received by the specified due date or, for certain loans, when a scheduled monthly payment is past due and unpaid for 30 days or more. Business loans are generally placed on nonaccrual status when management determines full collection of principal or interest is unlikely or when principal or interest payments are 90 days past due, unless the loan is fully collateralized and in the process of collection. The past-due status of a business loan is one of many indicative factors considered in determining the collectibility of the credit. The primary driver of when the principal amount of a business loan should be fully or partially charged-off is based on a qualitative assessment of the recoverability of the principal amount from collateral and other cash flow sources. Residential mortgage and home equity loans are generally placed on nonaccrual status once they become 90 days past due and are charged off to current appraised values less costs to sell no later than 180 days past due. In addition, junior lien home equity loans less than 90 days past due are placed on nonaccrual status if they have underlying risk characteristics that place full collection of the loan in doubt, such as when the related senior lien position is identified as seriously delinquent. Residential mortgage and consumer loans in bankruptcy for which the court has discharged the borrower's obligation and the borrower has not reaffirmed the debt are placed on nonaccrual status and written down to estimated collateral value, without regard to the actual payment status of the loan. All other consumer loans are generally placed on nonaccrual status at 90 days past due and are charged off at no later than 120 days past due, or earlier if deemed uncollectible. At the time a loan is placed on nonaccrual status, interest previously accrued but not collected is charged against current income. Principal and interest payments received on such loans are generally first applied as a reduction of principal. Income on nonaccrual loans is then recognized only to the extent that cash is received after principal has been fully repaid or future collection of principal is probable. Generally, a loan may be returned to accrual status when all delinquent principal and interest have been received and the Corporation expects repayment of the remaining contractual principal and interest, or when the loan or debt security is both well secured and in the process of collection. Foreclosed property (primarily real estate) is initially recorded at fair value, less costs to sell, at the date of legal title transfer to the Corporation and subsequently carried at the lower of cost or fair value, less estimated costs to sell. Loans are reclassified to foreclosed property upon obtaining legal title to the collateral. Independent appraisals are obtained to substantiate the fair value of foreclosed property at the time of foreclosure and updated at least annually or upon evidence of deterioration in the property’s value. At the time of foreclosure, the adjustment for the difference between the related loan balance and fair value (less estimated costs to sell) of the property acquired is charged or credited to the allowance for loan losses. Subsequent write-downs, operating expenses and losses upon sale, if any, are charged to noninterest expenses. Foreclosed property is included in accrued income and other assets on the Consolidated Balance Sheets.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation, computed using the straight-line method, is charged to occupancy expenses in the Consolidated Statements of Income over the estimated useful lives of the assets. Estimated useful lives are generally 3 years to 33 years for premises that the Corporation owns and 3 years to 8 years for furniture and equipment. Leasehold improvements are generally amortized over the terms of their respective leases or 10 years, whichever is shorter.
Lessee, Leases	Operating Leases Operating leases with a term greater than one year are recognized as lease liabilities, measured as the present value of unpaid lease payments for operating leases where the Corporation is the lessee, and corresponding right-of-use (ROU) assets for the right to use the leased properties. Operating lease liabilities, recorded in accrued expenses and other liabilities, reflect the Corporation’s obligation to make future lease payments, primarily for real estate locations. Lease terms typically comprise contractual terms but may include extension options reasonably certain of being exercised at lease inception for certain strategic locations such as regional headquarters. Payments are discounted using the Corporation's incremental borrowing rate, or the rate it would pay to borrow amounts equal to the lease payments over the lease term. The Corporation does not separate lease and non-lease components for contracts in which it is the lessee. ROU assets, recorded in accrued income and other assets, are measured based on lease liabilities adjusted for incentives as well as accrued and prepaid rent. Operating lease expense is recognized on a straight-line basis over the lease term, while variable lease payments are recognized as incurred. Common area maintenance and other executory costs are the main components of variable lease payments. Operating and variable lease expenses are recorded in net occupancy expense on the Consolidated Statements of Income.
Software	Software Capitalized software, stated at cost less accumulated amortization, includes purchased software, capitalizable application development costs associated with internally developed software and cloud computing arrangements, including capitalizable implementation costs associated with hosting arrangements that are service contracts. Cloud computing arrangements include software as a service (SaaS), platform as a service (PaaS), infrastructure as a service (IaaS) and other similar hosting arrangements. The Corporation primarily utilizes SaaS and IaaS arrangements. Capitalized implementation costs of hosting arrangements that are service contracts were $61 million and $43 million, net of accumulated depreciation of $14 million and $5 million at December 31, 2023 and December 31, 2022, respectively. Depreciation expense related to these costs was $9 million and $4 million for the years ended December 31, 2023 and 2022, respectively.
Goodwill and Core Deposit Intangibles	Goodwill and Intangibles Goodwill, included in accrued income and other assets on the Consolidated Balance Sheets, is initially recorded as the excess of the purchase price over the fair value of net assets acquired in a business combination and is subsequently evaluated at least annually for impairment. Goodwill impairment testing is performed at the reporting unit level, equivalent to a business segment or one level below. The Corporation has three reporting units: the Commercial Bank, the Retail Bank and Wealth Management. The Corporation performs its annual evaluation of goodwill impairment in the third quarter of each year and may elect to perform a quantitative impairment analysis or first conduct a qualitative analysis to determine if a quantitative analysis is necessary. Additionally, the Corporation evaluates goodwill impairment on an interim basis if events or changes in circumstances between annual tests indicate additional testing may be warranted to determine if goodwill might be impaired. Factors considered in the assessment of the likelihood of impairment include macroeconomic conditions, industry and market considerations, stock performance of the Corporation and its peers, financial performance of the reporting units, and previous results of goodwill impairment tests, amongst other factors. Based on the results of the qualitative analysis, the Corporation determines whether a quantitative test is necessary. The quantitative test compares the estimated fair value of identified reporting units with their carrying amount, including goodwill. If the estimated fair value of the reporting unit is less than the carrying value, an impairment charge would be recorded for the excess, not to exceed the amount of goodwill allocated to the reporting unit. Intangibles are amortized on an accelerated basis, based on the estimated period the economic benefits are expected to be received. Intangibles are reviewed for impairment when events or changes in circumstances indicate that their carrying amounts may not be recoverable. Impairment for a finite-lived intangible asset exists if the sum of the undiscounted cash flows expected to result from the use of the asset exceeds its carrying value. Additional information regarding goodwill and intangibles can be found in Note 7.
Nonmarketable Equity Securities	Nonmarketable Equity Securities The Corporation has certain investments that are not readily marketable. These investments include a portfolio of investments in indirect private equity and venture capital funds and restricted equity investments, which are securities the Corporation is required to hold for various reasons, primarily Federal Home Loan Bank of Dallas (FHLB) and Federal Reserve Bank (FRB) stock. These investments are accounted for on the cost or equity method and are included in accrued income and other assets on the Consolidated Balance Sheets. The investments are individually reviewed for impairment on a quarterly basis. Indirect private equity and venture capital funds are evaluated for impairment by comparing the carrying value to the estimated fair value. Impairment is charged to current earnings and the carrying value of the investment is written down accordingly. FHLB and FRB stock are recorded at cost (par value) and evaluated for impairment based on the ultimate recoverability of the par value. If the Corporation does not expect to recover the full par value, the amount by which the par value exceeds the ultimately recoverable value would be charged to current earnings and the carrying value of the investment would be written down accordingly.
Derivative Instruments and Hedging Activities	Derivative Instruments and Hedging Activities Derivative instruments are carried at fair value in either accrued income and other assets or accrued expenses and other liabilities on the Consolidated Balance Sheets. The accounting for changes in the fair value (i.e., gains or losses) of a derivative instrument is determined by whether it has been designated and qualifies as part of a hedging relationship and, further, by the type of hedging relationship. The Corporation presents derivative instruments at fair value on the Consolidated Balance Sheets on a net basis when a right of offset exists, based on transactions with a single counterparty and any cash collateral paid to and/or received from that counterparty for derivative contracts that are subject to legally enforceable master netting arrangements. For derivative instruments designated and qualifying as fair value hedges (i.e., hedging the exposure to changes in the fair value of an asset or a liability or an identified portion thereof that is attributable to a particular risk), the gain or loss on the derivative instrument, as well as the offsetting loss or gain on the hedged item attributable to the hedged risk, are recognized in the same consolidated statement of income line that is used to present the earnings effect of the hedged item during the period of the change in fair values. For derivative instruments that are designated and qualify as cash flow hedges (i.e., hedging the exposure to variability in expected future cash flows that is attributable to a particular risk), the gain or loss on the derivative instrument is reported as a component of other comprehensive income and reclassified into earnings in the same consolidated statement of income line item as the earnings effect of the hedged item in the same period or periods during which the hedged transaction affects earnings. For derivative instruments not designated as hedging instruments, the gain or loss is recognized in risk management hedging (loss) income on the Consolidated Statements of Income during the period of change. The net change in derivatives is included in "other, net" operating activity within the Consolidated Statements of Cash Flows. To qualify for the use of hedge accounting, a derivative must be effective at inception and expected to be continuously effective in offsetting the risk being hedged. For derivatives designated as hedging instruments at inception, the Corporation uses either the short-cut method or applies statistical regression analysis to assess effectiveness. The short-cut method is used for $1.7 billion of notional of fair value hedges of medium- and long-term debt. This method allows for the assumption of perfect effectiveness and eliminates the requirement to further assess hedge effectiveness on these transactions. For hedge relationships to which the Corporation does not apply the short-cut method, statistical regression analysis is used at inception to assess whether the derivative used is expected to be highly effective in offsetting changes in the fair value or cash flows of the hedged item. A statistical regression or qualitative analysis is performed at each reporting period thereafter to evaluate hedge effectiveness. As part of the adoption of Topic 848, certain hedge accounting requirements for qualifying modifications to derivative instruments due to LIBOR transition were suspended through the completion of LIBOR transition in third quarter 2023. For further information on Topic 848, refer to the "Loans" policy in this Note.
Financial Guarantees	Financial Guarantees Certain guarantee contracts or indemnification agreements that contingently require the Corporation, as guarantor, to make payments to the guaranteed party are initially measured at fair value and included in accrued expenses and other liabilities on the Consolidated Balance Sheets. The subsequent accounting for the liability depends on the nature of the underlying guarantee. The release from risk is accounted for under a particular guarantee when the guarantee expires or is settled, or by a systematic and rational amortization method. Further information on the Corporation’s obligations under guarantees is included in Note 8.
Share-Based Compensation	Share-Based Compensation The Corporation recognizes share-based compensation expense using the straight-line method over the requisite service period, generally based on the instruments' grant-date fair value, for all stock awards, including those with graded vesting. The requisite service period is the period an employee is required to provide service in order to vest in the award, which cannot extend beyond the date at which the employee is no longer required to perform any service to receive the share-based compensation (i.e., the retirement-eligible date). Forfeiture of stock awards and dividend equivalents are accounted for as they occur. Certain awards are contingent upon performance and/or market conditions, which affect the number of shares ultimately issued. The Corporation periodically evaluates the probable outcome of the performance conditions and makes cumulative adjustments to compensation expense as appropriate. Market conditions are included in the determination of the fair value of the award on the date of grant. Subsequent to the grant date, market conditions have no impact on the amount of compensation expense the Corporation will recognize over the life of the award. Further information on the Corporation’s share-based compensation plans is included in Note 16.
Revenue Recognition	Revenue Recognition Revenue from contracts with customers comprises the noninterest income earned by the Corporation in exchange for services provided to customers and is recognized when services are completed or as they are rendered, although contracts are generally short-term by nature. Services provided over a period of time are typically transferred to customers evenly over the term of the contracts and revenue is recognized accordingly over the period services are provided. Contract receivables are included in accrued income and other assets on the Consolidated Balance Sheets. Payment terms vary by services offered, and the time between completion of performance obligations and payment is typically not significant. Card Fees Card fees comprise interchange and other fee income earned on government card, commercial card, debit/automated teller machine card and merchant payment processing programs. Card fees are presented net of network costs, as performance obligations for card services are limited to transaction processing and settlement with the card network on behalf of the customers. Fees for these services are primarily based on interchange rates set by the network and transaction volume. The Corporation also provides ongoing card program support services, for which fees are based on contractually agreed-upon prices and customer demand for services. Service Charges on Deposit Accounts Service charges on deposit accounts comprise charges on retail and business accounts, including fees for treasury management services. Treasury management services include transaction-based services related to payment processing, overdrafts, non-sufficient funds and other deposit account activity, as well as account management services that are provided over time. Business customers can earn credits depending on deposit balances maintained with the Corporation, which may be used to offset fees. Fees and credits are based on predetermined, agreed-upon rates. Fiduciary Income Fiduciary income includes fees and commissions from asset management, custody, recordkeeping, investment advisory and other services provided primarily to personal and institutional trust customers. Revenue is recognized as the services are performed and is based either on the market value of the assets managed or the services provided, as well as agreed-upon rates. Commercial Lending Fees Commercial lending fees include both revenue from contracts with customers (primarily loan servicing fees) and other sources of revenue. Commercial loan servicing fees are based on contractually agreed-upon prices and timing of services provided. Other sources of revenue in commercial lending fees primarily include fees assessed on the unused portion of commercial lines of credit (unused commitment fees). Brokerage Fees Brokerage fees include commissions earned for facilitating securities transactions for customers, as well as other brokerage services provided. Revenue is recognized when services are completed and is based on the type of services provided and agreed-upon rates. The Corporation pays commissions based on brokerage fee revenue. These are typically recognized when incurred because the amortization period is one year or less and are included in salaries and benefits expense on the Consolidated Statements of Income As of November 2023, brokerage fees include income from sales of select investment products of an independent financial services broker, net of commissions passed through to employees licensed by the independent broker to sell their products. Other Revenues Other revenues, consisting primarily of other retail fees, investment banking fees and insurance commissions, are typically recognized when services or transactions are completed and are based on the type of services provided and agreed-upon rates. Except as discussed above, commissions and other incentives paid to employees are generally based on several internal and external metrics and, as a result, are not solely dependent on revenue generating activities.
Defined Benefit Pension and Other Postretirement Costs	Defined Benefit Pension and Other Postretirement Costs Defined benefit pension costs are funded consistent with the requirements of federal laws and regulations. Inherent in the determination of defined benefit pension costs are assumptions concerning future events that will affect the amount and timing of required benefit payments under the plans. These include demographic assumptions such as retirement age and mortality, a compensation rate increase, a discount rate used to determine the current benefit obligation, form of payment election and a long-term expected rate of return on plan assets. Net periodic defined benefit pension expense includes service cost, interest cost based on the assumed discount rate, an expected return on plan assets based on an actuarially derived market-related value of assets (MRVA), amortization of prior service cost or credit and amortization of net actuarial gains or losses. The MRVA for fixed income securities and private placement assets is based on the fair value of plan assets, whereas the MRVA for other plan assets is determined by amortizing the current year’s investment gains and losses (the actual investment return net of the expected investment return) over 5 years. The amortization adjustment cannot exceed 10 percent of the fair value of assets. Prior service costs or credits include the impact of plan amendments on the liabilities and are amortized over the future service periods of active employees expected to receive benefits under the plan. Actuarial gains and losses result from experience different from that assumed and from changes in assumptions (excluding asset gains and losses not yet reflected in market-related value). Amortization of actuarial gains and losses is included as a component of net periodic defined benefit pension cost for a year if the actuarial net gain or loss exceeds 10 percent of the greater of the projected benefit obligation or the market-related value of plan assets. If amortization is required, the excess is amortized over the average remaining service period of participating employees expected to receive benefits under the plan. Service costs are included in salaries and benefits expense, while the other components of net periodic defined benefit pension expense are included in other noninterest expenses on the Consolidated Statements of Income. Postretirement benefit costs includes service cost, interest cost based on the assumed discount rate, an expected return on plan assets based on an actuarially derived MRVA, amortization of prior service cost or credit and amortization of net actuarial gains or losses. The components of postretirement benefit costs follow similar policies and methodologies as defined benefit pensions costs. Postretirement benefits are recognized in other noninterest expenses on the Consolidated Statements of Income. See Note 17 for further information regarding the Corporation’s defined benefit pension and other postretirement plans.
Income Taxes	Income Taxes The provision for income taxes is the sum of income taxes due for the current year and deferred taxes. The Corporation classifies interest and penalties on income tax liabilities and excess tax benefits and deficiencies resulting from employee stock awards in the provision for income taxes on the Consolidated Statements of Income. Deferred taxes arise from temporary differences between the income tax basis and financial accounting basis of assets and liabilities. Deferred tax assets are evaluated for realization based on available evidence of projected future reversals of existing taxable temporary differences, foreign tax credit limitations, assumptions made regarding future events and, when applicable, state loss carryback capacity. A valuation allowance is provided when it is more likely than not that some portion of the deferred tax asset will not be realized.
Earnings Per Share	Earnings Per Share Basic net income per common share is calculated using the two-class method. The two-class method is an earnings allocation formula that determines earnings per share for each share of common stock and participating securities according to dividends declared (distributed earnings) and participation rights in undistributed earnings. Distributed and undistributed earnings are allocated between common and participating security shareholders based on their respective rights to receive dividends. Nonvested share-based payment awards that contain nonforfeitable rights to dividends or dividend equivalents are considered participating securities (e.g., certain service-based restricted stock units). Undistributed net losses are not allocated to nonvested restricted shareholders, as these shareholders do not have a contractual obligation to fund the losses incurred by the Corporation. Net income attributable to common shares is then divided by the weighted-average number of common shares outstanding during the period. Diluted net income per common share is calculated using the more dilutive of either the treasury method or the two-class method. The dilutive calculation considers common stock issuable under the assumed exercise of stock options and warrants, as well as service- and performance-based restricted stock units granted under the Corporation’s stock plans using the treasury stock method, if dilutive. Net income attributable to common shares is then divided by the total of weighted-average number of common shares and common stock equivalents outstanding during the period.
Statements Of Cash Flows	Statements of Cash Flows
Comprehensive (Loss) Income	Comprehensive Income (Loss)
Recently Issued Accounting Pronouncement	Recently Issued Accounting Pronouncements In March 2023, the FASB issued ASU No. 2023-02 "Investments-Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method (a consensus of the Emerging Issues Task Force)" (ASU 2023-02). ASU 2023-02 expands the permitted use of the proportional amortization method, which is currently only available to low-income housing tax credit investments, to other tax equity investments if certain conditions are met. Under the proportional amortization method, the initial cost of an investment is amortized in proportion to the income tax benefits received and both the amortization of the investment and the income tax benefits received are recognized as a component of income tax expense. The Corporation adopted this ASU on January 1, 2024 by applying the modified retrospective basis of transition or, for certain changes, a prospective basis. The update did not have a material impact on their financial statements. In November 2023, the FASB issued ASU No. 2023-07 "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures" (ASU 2023-07). The update requires enhanced disclosures about significant segment expenses, enhanced interim disclosure requirements, clarification for when multiple segment measures of profit or loss can be disclosed, and other requirements intended to improve overall reportable segment disclosures in annual and interim periods. ASU 2023-07 is effective for the Corporation in the annual period beginning on January 1, 2024 and interim periods beginning on January 1, 2025 with retrospective application to all prior periods presented. Early adoption is permitted. The Corporation is evaluating the impact of ASU 2023-07 on its reportable segment disclosures. In December 2023, the FASB issued ASU No. 2023-09 "Income Taxes (Topic 740): Improvements to Income Tax Disclosures" (ASU 2023-09). ASU 2023-09 requires additional annual disclosures including further disaggregation of information in the rate reconciliation, additional information for reconciling items meeting a quantitative threshold, further disaggregation of income taxes paid, and other required disclosures. ASU 2023-09 is effective for the Corporation in the annual period beginning on January 1, 2025 and applied on a prospective basis with both early adoption and retrospective application permitted. The Corporation is evaluating the impact of ASU 2023-09 on its income tax disclosures.

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
Fair Value Measurements (Tables)	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Assets And Liabilities Recorded At Fair Value On A Recurring Basis	The following tables present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of December 31, 2023 and 2022. (in millions) Total Level 1 Level 2 Level 3 December 31, 2023 Deferred compensation plan assets $ 104 $ 104 $ — $ — Equity securities 39 39 — — Investment securities available-for-sale: U.S. Treasury securities 1,605 1,605 — — Residential mortgage-backed securities (a) 10,519 — 10,519 — Commercial mortgage-backed securities (a) 4,745 — 4,745 — Total investment securities available-for-sale 16,869 1,605 15,264 — Derivative assets: Interest rate contracts 225 — 225 — Energy contracts 758 — 758 — Foreign exchange contracts 36 — 36 — Total derivative assets 1,019 — 1,019 — Total assets at fair value $ 18,031 $ 1,748 $ 16,283 $ — Derivative liabilities: Interest rate contracts $ 435 $ — $ 435 $ — Energy contracts 736 — 736 — Foreign exchange contracts 35 — 35 — Other financial derivative liabilities 12 — — 12 Total derivative liabilities 1,218 — 1,206 12 Deferred compensation plan liabilities 104 104 — — Total liabilities at fair value $ 1,322 $ 104 $ 1,206 $ 12 December 31, 2022 Deferred compensation plan assets $ 92 $ 92 $ — $ — Equity securities 44 44 — — Investment securities available-for-sale: U.S. Treasury securities 2,664 2,664 — — Residential mortgage-backed securities (a) 11,655 — 11,655 — Commercial mortgage-backed securities (a) 4,693 — 4,693 — Total investment securities available-for-sale 19,012 2,664 16,348 — Derivative assets: Interest rate contracts 206 — 206 — Energy contracts 1,020 — 1,020 — Foreign exchange contracts 53 — 53 — Total derivative assets 1,279 — 1,279 — Total assets at fair value $ 20,427 $ 2,800 $ 17,627 $ — Derivative liabilities: Interest rate contracts $ 644 $ — $ 644 $ — Energy contracts 1,006 — 1,006 — Foreign exchange contracts 45 — 45 — Other financial derivative liabilities 12 — — 12 Total derivative liabilities 1,707 — 1,695 12 Deferred compensation plan liabilities 92 92 — — Total liabilities at fair value $ 1,799 $ 92 $ 1,695 $ 12 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises.
Changes In Level 3 Assets And Liabilities Measured At Fair Value On A Recurring Basis	The following table summarizes the changes in Level 3 assets and liabilities measured at fair value on a recurring basis for the years ended December 31, 2023 and 2022. Net Realized/Unrealized Gains (Pretax) Recorded in Earnings (a) Balance at Beginning of Period Settlements Balance at End of Period (in millions) Realized Unrealized Year Ended December 31, 2023 Derivative liabilities: Other financial derivative $ (12) $ — $ — $ — $ (12) Year Ended December 31, 2022 Derivative assets: Interest rate contracts $ 26 $ — $ — (26) $ — Derivative liabilities: Other financial derivative (13) — 1 — (12) (a) Realized and unrealized gains and losses due to changes in fair value recorded in other noninterest income on the Consolidated Statements of Income.
Assets And Liabilities Recorded At Fair Value On A Nonrecurring Basis	The following table presents assets recorded at fair value on a nonrecurring basis at December 31, 2023 and 2022. No liabilities were recorded at fair value on a nonrecurring basis at December 31, 2023 and 2022. (in millions) Level 3 December 31, 2023 Loans: Commercial $ 12 Commercial mortgage 16 International 16 Total loans 44 Loans held-for-sale 231 Other real estate 5 Total assets at fair value $ 280 December 31, 2022 Loans: Commercial $ 53 Real estate construction 2 Commercial mortgage 11 Total loans 66 Other real estate 9 Total assets at fair value $ 75
Estimated Fair Values Of Financial Instruments Not Recorded At Fair Value In Their Entirety On A Recurring Basis	The carrying amount and estimated fair value of financial instruments not recorded at fair value in their entirety on a recurring basis on the Corporation’s Consolidated Balance Sheets are as follows: Carrying Estimated Fair Value (in millions) Total Level 1 Level 2 Level 3 December 31, 2023 Assets Cash and due from banks $ 1,443 $ 1,443 $ 1,443 $ — $ — Interest-bearing deposits with banks 8,059 8,059 8,059 — — Other short-term investments 24 24 24 — — Total loans, net of allowance for loan losses (a) 51,425 50,633 — — 50,633 Liabilities Demand deposits 58,476 58,476 — 58,476 — Time deposits 8,286 8,391 — 8,391 — Total deposits 66,762 66,867 — 66,867 — Short-term borrowings 3,565 3,565 3,565 — — Medium- and long-term debt 6,206 6,207 — 6,207 — Liabilities for credit-related financial instruments (72) (72) — — (72) December 31, 2022 Assets Cash and due from banks $ 1,758 $ 1,758 $ 1,758 $ — $ — Interest-bearing deposits with banks 4,524 4,524 4,524 — — Other short-term investments 19 19 19 — — Total loans, net of allowance for loan losses (a) 52,792 50,964 — — 50,964 Liabilities Demand deposits 69,460 69,460 — 69,460 — Time deposits 1,937 1,894 — 1,894 — Total deposits 71,397 71,354 — 71,354 — Short-term borrowings 3,211 3,211 3,211 — — Medium- and long-term debt 3,024 3,071 — 3,071 — Liabilities for credit-related financial instruments (79) (79) — — (79) (a) Included $44 million and $66 million of loans recorded at fair value on a nonrecurring basis at December 31, 2023 and 2022, respectively.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
Investment Securities (Tables)	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Summary Of Investment Securities	A summary of the Corporation’s investment securities follows: (in millions) Amortized Gross Gross Fair Value December 31, 2023 Investment securities available-for-sale: U.S. Treasury securities $ 1,681 $ — $ 76 $ 1,605 Residential mortgage-backed securities (a) 12,607 — 2,088 10,519 Commercial mortgage-backed securities (a) 5,253 — 508 4,745 Total investment securities available-for-sale $ 19,541 $ — $ 2,672 $ 16,869 December 31, 2022 Investment securities available-for-sale: U.S. Treasury securities $ 2,810 $ — $ 146 $ 2,664 Residential mortgage-backed securities (a) 13,983 — 2,328 11,655 Commercial mortgage-backed securities (a) 5,252 — 559 4,693 Total investment securities available-for-sale $ 22,045 $ — $ 3,033 $ 19,012 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises.
Summary Of Investment Securities In Unrealized Loss Positions	A summary of the Corporation’s investment securities in an unrealized loss position as of December 31, 2023 and 2022 follows: Less than 12 Months 12 Months or more Total (in millions, except securities count) Fair Unrealized Fair Unrealized Fair Unrealized Count December 31, 2023 U.S. Treasury securities $ — $ — $ 1,605 $ 76 $ 1,605 $ 76 19 Residential mortgage-backed securities (a) 10 — 10,507 2,088 10,517 2,088 978 Commercial mortgage-backed securities (a) — — 4,745 508 4,745 508 253 Total temporarily impaired securities $ 10 $ — $ 16,857 $ 2,672 $ 16,867 $ 2,672 1,250 December 31, 2022 U.S. Treasury securities $ 996 $ 5 $ 1,668 $ 141 $ 2,664 $ 146 27 Residential mortgage-backed securities (a) 3,500 361 8,153 1,967 11,653 2,328 1,008 Commercial mortgage-backed securities (a) 4,008 405 685 154 4,693 559 254 Total temporarily impaired securities $ 8,504 $ 771 $ 10,506 $ 2,262 $ 19,010 $ 3,033 1,289 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises.
Contractual Maturity Distribution Of Debt Securities	The following table summarizes the amortized cost and fair values of investment securities by contractual maturity. Securities with multiple maturity dates are classified in the period of final maturity. The actual cash flows of mortgage-backed securities may differ as borrowers of the underlying loans may exercise prepayment options. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. (in millions) December 31, 2023 Amortized Cost Fair Value Contractual maturity Within one year $ 813 $ 790 After one year through five years 1,098 1,034 After five years through ten years 5,380 4,869 After ten years 12,250 10,176 Total investment securities $ 19,541 $ 16,869

Credit Quality And Allowance _2

Credit Quality And Allowance For Credit Losses (Tables)	12 Months Ended
Credit Quality And Allowance For Credit Losses (Tables)	Dec. 31, 2023
Credit Quality And Allowance For Credit Losses [Abstract]
Aging Analysis Of Loans	The following table presents an aging analysis of the amortized cost basis of loans. Loans Past Due and Still Accruing (in millions) 30-59 60-89 90 Days Total Nonaccrual Current Loans Total December 31, 2023 Business loans: Commercial $ 48 $ 14 $ 10 $ 72 $ 75 $ 27,104 $ 27,251 Real estate construction: Commercial Real Estate business line (a) — — — — — 4,570 4,570 Other business lines (b) 3 — — 3 2 508 513 Total real estate construction 3 — — 3 2 5,078 5,083 Commercial mortgage: Commercial Real Estate business line (a) 5 — — 5 18 4,704 4,727 Other business lines (b) 49 12 9 70 23 8,866 8,959 Total commercial mortgage 54 12 9 75 41 13,570 13,686 Lease financing 4 — — 4 — 803 807 International — — 1 1 20 1,081 1,102 Total business loans 109 26 20 155 138 47,636 47,929 Retail loans: Residential mortgage 10 6 — 16 19 1,854 1,889 Consumer: Home equity 11 5 — 16 21 1,755 1,792 Other consumer 31 — — 31 — 472 503 Total consumer 42 5 — 47 21 2,227 2,295 Total retail loans 52 11 — 63 40 4,081 4,184 Total loans $ 161 $ 37 $ 20 $ 218 $ 178 $ 51,717 $ 52,113 December 31, 2022 Business loans: Commercial $ 238 $ 13 $ 20 $ 271 $ 142 $ 30,496 $ 30,909 Real estate construction: Commercial Real Estate business line (a) — — — — — 2,505 2,505 Other business lines (b) 2 — — 2 3 595 600 Total real estate construction 2 — — 2 3 3,100 3,105 Commercial mortgage: Commercial Real Estate business line (a) — 6 — 6 1 4,674 4,681 Other business lines (b) 64 5 3 72 22 8,531 8,625 Total commercial mortgage 64 11 3 78 23 13,205 13,306 Lease financing 6 — — 6 — 754 760 International — 9 — 9 3 1,185 1,197 Total business loans 310 33 23 366 171 48,740 49,277 Retail loans: Residential mortgage 22 — — 22 53 1,739 1,814 Consumer: Home equity 4 3 — 7 15 1,754 1,776 Other consumer 5 1 — 6 1 528 535 Total consumer 9 4 — 13 16 2,282 2,311 Total retail loans 31 4 — 35 69 4,021 4,125 Total loans $ 341 $ 37 $ 23 $ 401 $ 240 $ 52,761 $ 53,402 (a) Primarily loans to real estate developers. (b) Primarily loans secured by owner-occupied real estate.
Loans By Credit Quality Indicator and Vintage Year	December 31, 2023 Vintage Year (in millions) 2023 2022 2021 2020 2019 Prior Revolvers Revolvers Converted to Term Total Business loans: Commercial: Pass (a) $ 3,105 (b) $ 3,013 (b) $ 2,072 (b) $ 593 $ 610 $ 1,033 $ 15,394 $ 13 $ 25,833 Criticized (b) 85 169 226 42 59 75 760 2 1,418 Total commercial 3,190 3,182 2,298 635 669 1,108 16,154 15 27,251 Commercial gross charge-offs 1 11 2 1 11 12 3 1 42 Real estate construction Pass (a) 503 2,205 1,581 329 43 36 288 — 4,985 Criticized (b) 2 53 34 2 7 — — — 98 Total real estate construction 505 2,258 1,615 331 50 36 288 — 5,083 Real estate construction gross charge-offs — — — — — — — — — Commercial mortgage Pass (a) 1,680 3,129 2,173 1,786 981 2,271 893 — 12,913 Criticized (b) 15 232 99 34 248 141 4 — 773 Total commercial mortgage 1,695 3,361 2,272 1,820 1,229 2,412 897 — 13,686 Commercial mortgage gross charge-offs — — — — 3 1 — — 4 Lease financing Pass (a) 173 319 110 47 34 94 — — 777 Criticized (b) 5 8 3 3 7 4 — — 30 Total lease financing 178 327 113 50 41 98 — — 807 Lease financing gross charge-offs — — — — — — — — — International Pass (a) 286 168 89 35 76 2 415 — 1,071 Criticized (b) 15 2 7 — — 6 1 — 31 Total international 301 170 96 35 76 8 416 — 1,102 International gross charge-offs 12 — — — — 1 — — 13 Total business loans 5,869 9,298 6,394 2,871 2,065 3,662 17,755 15 47,929 Retail loans: Residential mortgage Pass (a) 254 296 373 450 131 360 — — 1,864 Criticized (b) 2 — 1 — — 22 — — 25 Total residential mortgage 256 296 374 450 131 382 — — 1,889 Residential mortgage gross charge-offs — — — — — — — — — Consumer: Home equity Pass (a) — — — — — 8 1,695 59 1,762 Criticized (b) — — — — — — 28 2 30 Total home equity — — — — — 8 1,723 61 1,792 Home equity gross charge-offs — — — — — — 2 — 2 Other consumer Pass (a) 23 38 22 8 4 46 362 — 503 Criticized (b) — — — — — — — — — Total other consumer 23 38 22 8 4 46 362 — 503 Other consumer gross charge-offs — — — — 1 — — — 1 Total consumer 23 38 22 8 4 54 2,085 61 2,295 Total retail loans 279 334 396 458 135 436 2,085 61 4,184 Total loans $ 6,148 $ 9,632 $ 6,790 $ 3,329 $ 2,200 $ 4,098 $ 19,840 $ 76 $ 52,113 Table continues on the following page. December 31, 2022 Vintage Year 2022 2021 2020 2019 2018 Prior Revolvers Revolvers Converted to Term Total Business loans: Commercial: Pass (a) $ 3,946 (b) $ 3,509 (b) $ 917 $ 1,041 $ 598 $ 1,030 $ 18,604 $ 9 $ 29,654 Criticized (b) 75 274 81 69 45 78 632 1 1,255 Total commercial 4,021 3,783 998 1,110 643 1,108 19,236 10 30,909 Real estate construction: Pass (a) 836 1,134 633 162 102 28 207 — 3,102 Criticized (b) — — 3 — — — — — 3 Total real estate construction 836 1,134 636 162 102 28 207 — 3,105 Commercial mortgage: Pass (a) 3,349 2,501 1,825 1,394 1,050 2,182 838 — 13,139 Criticized (b) 7 5 7 32 31 75 10 — 167 Total commercial mortgage 3,356 2,506 1,832 1,426 1,081 2,257 848 — 13,306 Lease financing Pass (a) 316 140 64 47 37 130 — — 734 Criticized (b) 10 — 2 8 5 1 — — 26 Total lease financing 326 140 66 55 42 131 — — 760 International Pass (a) 317 161 55 88 19 14 498 — 1,152 Criticized (b) 12 — 3 — 3 10 17 — 45 Total international 329 161 58 88 22 24 515 — 1,197 Total business loans 8,868 7,724 3,590 2,841 1,890 3,548 20,806 10 49,277 Retail loans: Residential mortgage Pass (a) 327 398 480 133 68 355 — — 1,761 Criticized (b) 4 — — 9 1 39 — — 53 Total residential mortgage 331 398 480 142 69 394 — — 1,814 Consumer: Home equity Pass (a) — — — — — 9 1,708 40 1,757 Criticized (b) — — — — — — 17 2 19 Total home equity — — — — — 9 1,725 42 1,776 Other consumer Pass (a) 69 38 50 8 1 10 355 — 531 Criticized (b) — — — 1 — — 3 — 4 Total other consumer 69 38 50 9 1 10 358 — 535 Total consumer 69 38 50 9 1 19 2,083 42 2,311 Total retail loans 400 436 530 151 70 413 2,083 42 4,125 Total loans $ 9,268 $ 8,160 $ 4,120 $ 2,992 $ 1,960 $ 3,961 $ 22,889 $ 52 $ 53,402 (a) Includes all loans not included in the categories of special mention, substandard or nonaccrual. (b) Includes loans with an internal rating of special mention, substandard loans for which the accrual of interest has not been discontinued and nonaccrual loans. Special mention loans have potential credit weaknesses that deserve management’s close attention, such as loans to borrowers who may be experiencing financial difficulties that may result in deterioration of repayment prospects from the borrower at some future date. Accruing substandard loans have a well-defined weakness, or weaknesses, such as loans to borrowers who may be experiencing losses from operations or inadequate liquidity of a degree and duration that jeopardizes the orderly repayment of the loan. Substandard loans are also distinguished by the distinct possibility of loss in the future if these weaknesses are not corrected. Nonaccrual loans are loans for which the accrual of interest has been discontinued. For further information regarding nonaccrual loans, refer to the Nonperforming Assets subheading in Note 1 - Basis of Presentation and Accounting Policies. These categories are generally consistent with the "special mention" and "substandard" categories as defined by regulatory authorities. A minority of nonaccrual loans are consistent with the "doubtful" category.
Changes In The Allowance For Loan Losses	The following table details the changes in the allowance for credit losses. 2023 2022 2021 (in millions) Business Loans Retail Loans Total Business Loans Retail Loans Total Business Loans Retail Loans Total Years Ended December 31, Balance at beginning of period: Allowance for loan losses $ 541 $ 69 $ 610 $ 531 $ 57 $ 588 $ 895 $ 53 $ 948 Allowance for credit losses on lending-related commitments 40 11 51 24 6 30 35 9 44 Allowance for credit losses 581 80 661 555 63 618 930 62 992 Loan charge-offs (59) (3) (62) (65) (3) (68) (67) (3) (70) Recoveries on loans previously charged-off 38 2 40 47 4 51 76 4 80 Net loan (charge-offs) recoveries (21) (1) (22) (18) 1 (17) 9 1 10 Provision for credit losses: Provision for loan losses 100 — 100 28 11 39 (373) 3 (370) Provision for credit losses on lending-related commitments (9) (2) (11) 16 5 21 (11) (3) (14) Provision for credit losses 91 (2) 89 44 16 60 (384) — (384) Balance at end of period: Allowance for loan losses 620 68 688 541 69 610 531 57 588 Allowance for credit losses on lending-related commitments 31 9 40 40 11 51 24 6 30 Allowance for credit losses $ 651 $ 77 $ 728 $ 581 $ 80 $ 661 $ 555 $ 63 $ 618 Allowance for loan losses as a percentage of total loans 1.29 % 1.63 % 1.32 % 1.10 % 1.67 % 1.14 % 1.17 % 1.47 % 1.19 % Allowance for credit losses as a percentage of total loans 1.36 1.85 1.40 1.18 1.96 1.24 1.22 1.63 1.26
Financing Receivable, Nonaccrual	The following table presents additional information regarding nonaccrual loans. Interest income of $9 million, $12 million and $11 million was recognized on nonaccrual loans for the years ended December 31, 2023, 2022 and 2021, respectively. (in millions) Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total December 31, 2023 Business loans: Commercial $ 47 $ 28 $ 75 Real estate construction: Other business lines (a) 2 — 2 Commercial mortgage: Commercial Real Estate business line (b) — 18 18 Other business lines (a) 17 6 23 Total commercial mortgage 17 24 41 International 3 17 20 Total business loans 69 69 138 Retail loans: Residential mortgage 19 — 19 Consumer: Home equity 21 — 21 Total consumer 21 — 21 Total retail loans 40 — 40 Total nonaccrual loans $ 109 $ 69 $ 178 December 31, 2022 Business loans: Commercial $ 64 $ 78 $ 142 Real estate construction: Other business lines (a) — 3 3 Commercial mortgage: Commercial Real Estate business line (b) — 1 1 Other business lines (a) 4 18 22 Total commercial mortgage 4 19 23 International 3 — 3 Total business loans 71 100 171 Retail loans: Residential mortgage 53 — 53 Consumer: Home equity 15 — 15 Other consumer 1 — 1 Total consumer 16 — 16 Total retail loans 69 — 69 Total nonaccrual loans $ 140 $ 100 $ 240 (a) Primarily loans secured by owner-occupied real estate. (b) Primarily loans to real estate developers.
Loan Modifications Made to Borrowers Experiencing Financial Difficulty	The following table displays the amortized cost basis at December 31, 2023 of loan modifications made to borrowers experiencing financial difficulty that were restructured during the year ended December 31, 2023 by type of modification. (in millions) Term Extension (a) Payment Delay (a) Interest Rate Reduction Combinations (b) Total Percent of Total Class Year Ended December 31, 2023 Business loans: Commercial $ 92 $ 20 $ 10 $ 2 $ 124 0.46 % Real estate construction: Other business lines (c) 10 — — — 10 1.92 Total real estate construction 10 — — — 10 0.19 Commercial mortgage: Other business lines (c) 15 — — 10 25 0.28 Total commercial mortgage 15 — — 10 25 0.18 Total business loans 117 20 10 12 159 0.33 Retail loans: Consumer: Home equity 1 — 1 1 3 0.16 Total consumer 1 — 1 1 3 0.13 Total retail loans 1 — 1 1 3 0.07 Total loans $ 118 $ 20 $ 11 $ 13 $ 162 0.31 % (a) Represents loan balances where terms were extended or payments were delayed by a more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. See Note 1 to the co nsolidated financial statements for further information. (b) Relates to FDMs where more than one type of modification was made. For the year ended December 31, 2023, this primarily related to modifications where the interest rate was reduced and the term was extended. (c) Primarily loans secured by owner-occupied real estate.
Financial Effect of Loan Modification	The following table summarizes the financial impacts of loan modifications made to specific loans during the year ended December 31, 2023. Weighted-Average Term Extension Weighted-Average Interest Rate Reduction Year Ended December 31, 2023 Business loans: Commercial 10.4 (2.01) % Real estate construction: Other business lines (a) 9.3 — Total real estate construction 9.3 — Commercial mortgage: Other business lines (a) 17.6 (0.68) Total commercial mortgage 17.6 (0.68) Total business loans 11.7 (1.35) Retail loans: Consumer: Home equity 145.4 (3.01) Total consumer 145.4 (3.01) Total retail loans 145.4 (3.01) Total loans 13.1 (1.49) % (a) Primarily loans secured by owner-occupied real estate.
Troubled Debt Restructurings By Type Of Modification	The following table details the amortized cost basis at December 31, 2022 of loans considered to be TDRs that were restructured during the year ended December 31, 2022 by type of modification. In cases of loans with more than one type of modification, the loans were categorized based on the most significant modification. Type of Modification (in millions) Principal Deferrals (a) Interest Rate Reductions Total Modifications Year Ended December 31, 2022 Business loans: Commercial $ 26 $ — $ 26 Real estate construction: Other business lines (b) 3 — 3 Commercial mortgage: Other business lines (b) 14 — 14 Total business loans 43 — 43 Retail loans: Residential mortgage — 27 27 Consumer: Home equity (c) 1 1 2 Other consumer — 1 1 Total consumer 1 2 3 Total retail loans 1 29 30 Total loans $ 44 $ 29 $ 73 (a) Primarily represents loan balances where terms were extended by more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. Also includes commercial loans restructured in bankruptcy. (b) Primarily loans secured by owner-occupied real estate. (c) Includes bankruptcy loans for which the court has discharged the borrower's obligation and the borrower has not reaffirmed the debt.

Significant Group Concentrati_2

Significant Group Concentrations of Credit Risk Significant Group Concentrations of Credit Risk (Tables)	12 Months Ended
	Dec. 31, 2023
Significant Group Concentrations of Credit Risk [Abstract]
Schedule of Automotive Industry Outstanding Loans and Total Exposure	The following table summarizes the Corporation's commercial real estate loan portfolio by loan category. (in millions) December 31 2023 2022 Real estate construction loans: Commercial Real Estate business line (a) $ 4,570 $ 2,505 Other business lines (b) 513 600 Total real estate construction loans 5,083 3,105 Commercial mortgage loans: Commercial Real Estate business line (a) 4,727 4,681 Other business lines (b) 8,959 8,625 Total commercial mortgage loans 13,686 13,306 Total commercial real estate loans $ 18,769 $ 16,411 Total unused commitments on commercial real estate loans $ 4,382 $ 6,602 (a) Primarily loans to real estate developers. (b) Primarily loans secured by owner-occupied real estate.
Schedule of Commercial Real Estate Loans and Unused Commitments	Outstanding loans, included in commercial loans on the Consolidated Balance Sheets, and total exposure (outstanding loans, unused commitments and standby letters of credit) to companies related to the automotive industry were as follows: (in millions) December 31 2023 2022 Automotive loans: Production $ 848 $ 1,068 Dealer 6,191 5,367 Total automotive loans $ 7,039 $ 6,435 Total automotive exposure: Production $ 1,744 $ 2,028 Dealer 10,418 10,910 Total automotive exposure $ 12,162 $ 12,938

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
Premises and Equipment (Tables)	Dec. 31, 2023
Premises and Equipments [Abstract]
Premises and Equipment	A summary of premises and equipment by major category follows: (in millions) December 31 2023 2022 Land $ 81 $ 81 Buildings and improvements 768 737 Furniture and equipment 536 518 Total cost 1,385 1,336 Less: Accumulated depreciation and amortization (940) (936) Net book value $ 445 $ 400

Goodwill and Intangible Assets

Goodwill and Intangible Assets Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Summary of Changes in Carrying Value of Goodwill	The following table summarizes the carrying value of goodwill by reporting unit for the years ended December 31, 2023 and 2022. (in millions) December 31 2023 2022 Commercial Bank $ 473 $ 473 Retail Bank 101 101 Wealth Management 61 61 Total $ 635 $ 635

Derivative And Credit-Related_2

Derivative And Credit-Related Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule Of Derivative Instruments	The following table presents the composition of the Corporation’s derivative instruments held or issued for risk management purposes or in connection with customer-initiated and other activities at December 31, 2023 and 2022. The table excludes a derivative related to the Corporation's 2008 sale of its remaining ownership of Visa shares and includes accrued interest receivable and payable. December 31, 2023 December 31, 2022 Fair Value Fair Value (in millions) Notional/ Gross Derivative Assets Gross Derivative Liabilities Notional/ Gross Derivative Assets Gross Derivative Liabilities Risk management purposes Derivatives designated as hedging instruments Interest rate contracts: Fair value swaps - receive fixed/pay floating $ 6,300 $ — $ — $ 3,150 $ — $ — Cash flow swaps - receive fixed/ pay floating (b) 24,850 — 8 26,600 — 50 Derivatives used as economic hedges Foreign exchange contracts: Spot, forwards and swaps 560 1 3 392 1 3 Total risk management purposes 31,710 1 11 30,142 1 53 Customer-initiated and other activities Interest rate contracts: Caps and floors written 1,577 — 18 924 — 25 Caps and floors purchased 1,577 18 — 924 25 — Swaps 19,316 207 409 18,450 181 569 Total interest rate contracts 22,470 225 427 20,298 206 594 Energy contracts: Caps and floors written 3,719 3 291 4,051 — 430 Caps and floors purchased 3,719 292 3 4,051 431 — Swaps 6,368 463 442 6,419 589 576 Total energy contracts 13,806 758 736 14,521 1,020 1,006 Foreign exchange contracts: Spot, forwards, options and swaps 2,751 35 32 2,704 52 42 Total customer-initiated and other activities 39,027 1,018 1,195 37,523 1,278 1,642 Total gross derivatives $ 70,737 1,019 1,206 $ 67,665 1,279 1,695 Amounts offset in the Consolidated Balance Sheets: Netting adjustment - Offsetting derivative assets/liabilities (311) (311) (644) (644) Netting adjustment - Cash collateral received/posted (143) (13) (180) (4) Net derivatives included in the Consolidated Balance Sheets (c) 565 882 455 1,047 Amounts not offset in the Consolidated Balance Sheets: Marketable securities pledged under bilateral collateral agreements (501) (4) (70) (202) Net derivatives after deducting amounts not offset in the Consolidated Balance Sheets $ 64 $ 878 $ 385 $ 845 (a) Notional or contractual amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected on the Consolidated Balance Sheets. (b) December 31, 2023 included $2.0 billion of forward starting swaps that will become effective on their contractual start dates in 2024. (c) Net derivative assets are included in accrued income and other assets and net derivative liabilities are included in accrued expenses and other liabilities on the Consolidated Balance Sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and credit risk of the Corporation. The fair value of net derivative assets included credit valuation adjustments for counterparty credit risk of $3 million and $2 million at December 31, 2023 and 2022, respectively.
Schedule of Effects of Fair Value Hedging on the Consolidated Statements of Comprehensive Income	The following table details the effects of fair value hedging on the Consolidated Statements of Comprehensive Income. (in millions) Interest on Medium- and Long-Term Debt Years Ended December 31 2023 2022 2021 Total interest on medium-and long-term debt (a) $ 378 $ 87 $ 35 Fair value hedging relationships: Interest rate contracts: Hedged items 265 112 102 Derivatives designated as hedging instruments 113 (25) (68) (a) Includes the effects of hedging.
Schedule Of Weighted Average Maturity And Interest Rates On Risk Management Cash Flow Swaps	The following tables summarize the expected weighted average remaining maturity of the notional amount of risk management interest rate swaps, the weighted average interest rates associated with amounts expected to be received or paid on interest rate swap agreements, and for fair value swaps, the carrying amount of the related hedged items, as of December 31, 2023 and 2022. Cash flow swaps - receive fixed/pay floating rate on variable-rate loans (a) (dollar amounts in millions) December 31, 2023 December 31, 2022 Weighted average: Time to maturity (in years) 3.9 4.6 Receive rate (b) 2.43 % 2.35 % Pay rate (b), (c) 5.38 4.07 (a) Includes $7.0 billion of de-designated interest rate swaps. (b) Excludes forward starting swaps not effective as of the period shown. December 31, 2023 excluded $2.0 billion of forward starting swaps. December 31, 2022 excluded $4.6 billion of forward starting swaps. (c)
Schedule Of Weighted Average Maturity And Interest Rates On Risk Management Fair Value Swaps	Fair value swaps - receive fixed/pay floating rate on medium- and long-term debt (dollar amounts in millions) December 31, 2023 December 31, 2022 Carrying value of hedged items (a) 6,206 3,024 Weighted average: Time to maturity (in years) 3.1 3.9 Receive rate 3.67 % 3.52 % Pay rate (b) 5.74 4.90 (a) Included $(93) million and $(124) million of cumulative hedging adjustments at December 31, 2023 and 2022, respectively, which included $3 million and $4 million, respectively, of hedging adjustment on a discontinued hedging relationship. (b)
Schedule Of Net Gains Recognized In Income On Customer-Initiated Derivatives	The net gains recognized in income on customer-initiated derivative instruments, net of the impact of offsetting positions included in derivative income, were as follows: Years Ended December 31, (in millions) 2023 2022 2021 Interest rate contracts $ 22 $ 34 $ 36 Energy contracts 25 28 18 Foreign exchange contracts 51 47 45 Total $ 98 $ 109 $ 99
Schedule Of Financial Instruments With Off-Balance Sheet Credit Risk	The Corporation’s credit risk associated with these instruments is represented by the contractual amounts indicated in the following table. (in millions) December 31 2023 2022 Unused commitments to extend credit: Commercial and other $ 27,303 $ 30,800 Bankcard, revolving credit and home equity loan commitments 4,082 4,017 Total unused commitments to extend credit $ 31,385 $ 34,817 Standby letters of credit $ 3,586 $ 3,712 Commercial letters of credit 48 39
Summary Of Criticized Letters Of Credit	The following table presents a summary of criticized standby and commercial letters of credit at December 31, 2023 and 2022. The Corporation's criticized list is consistent with the Special Mention, Substandard and Doubtful categories defined by regulatory authorities. The Corporation manages credit risk through underwriting, periodically reviewing and approving its credit exposures using Board committee approved credit policies and guidelines. (dollar amounts in millions) December 31, 2023 December 31, 2022 Total criticized standby and commercial letters of credit $ 50 $ 37 As a percentage of total outstanding standby and commercial letters of credit 1.4 % 1.0 %

Variable Interest Entities (V_2

Variable Interest Entities (VIEs) (Tables)	12 Months Ended
Variable Interest Entities (VIEs) (Tables)	Dec. 31, 2023
Variable Interest Entity, Not Primary Beneficiary, Disclosures [Abstract]
Impact of VIEs on the Consolidated Statements of Income	The following table summarizes the impact of these tax credit entities on the Corporation’s Consolidated Statements of Income. (in millions) Years Ended December 31 2023 2022 2021 Other noninterest income: Amortization of other tax credit investments $ (4) $ — $ 1 Provision for income taxes: Amortization of LIHTC Investments 69 $ 72 71 Low income housing tax credits (65) (68) (68) Other tax benefits related to tax credit entities (21) (18) (17) Total provision for income taxes $ (17) $ (14) $ (14)

Deposits (Tables)

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Dec. 31, 2023
Deposits [Abstract]
Schedule Of Maturities Of Certificates of Deposit and Other Deposits with a Stated Maturity	At December 31, 2023, the scheduled maturities of certificates of deposit and other deposits with a stated maturity were as follows: (in millions) Years Ending December 31 2024 $ 8,177 2025 67 2026 21 2027 12 2028 6 Thereafter 3 Total $ 8,286
Schedule Of Maturities Of Domestic Deposits Of $100,000 Or More	A maturity distribution of domestic certificates of deposit of $100,000 and over follows: (in millions) December 31 2023 2022 Three months or less $ 1,083 $ 220 Over three months to six months 1,052 136 Over six months to twelve months 359 590 Over twelve months 32 49 Total $ 2,526 $ 995

Short-term Borrowings Short-ter

Short-term Borrowings Short-term Borrowings (Tables)	12 Months Ended
Short-term Borrowings Short-term Borrowings (Tables)	Dec. 31, 2023
Short-Term Debt [Abstract]
Summary of Short-term Borrowings	The following table provides a summary of short-term borrowings. (dollar amounts in millions) Federal Funds Purchased Other December 31, 2023 Amount outstanding at year-end $ 15 $ 3,550 Weighted average interest rate at year-end 5.30 % 5.74 % Maximum month-end balance during the year $ 19 $ 11,000 Average balance outstanding during the year 29 7,189 Weighted average interest rate during the year 4.77 % 5.41 % December 31, 2022 Amount outstanding at year-end $ 11 $ 3,200 Weighted average interest rate at year-end 4.32 % 4.54 % Maximum month-end balance during the year $ 1,106 $ 3,200 Average balance outstanding during the year 82 354 Weighted average interest rate during the year 3.28 % 4.08 % December 31, 2021 Amount outstanding at year-end $ — $ — Weighted average interest rate at year-end — % — % Maximum month-end balance during the year $ 2 $ — Average balance outstanding during the year 2 — Weighted average interest rate during the year 0.06 % — %

Medium- And Long-Term Debt (Tab

Medium- And Long-Term Debt (Tables)	12 Months Ended
Medium- And Long-Term Debt (Tables)	Dec. 31, 2023
Debt Disclosure [Abstract]
Schedule Of Medium- And Long-Term Debt	Medium- and long-term debt is summarized as follows: (in millions) December 31 2023 2022 Parent company Subordinated notes: 3.80% subordinated notes due 2026 (a) $ 241 $ 237 Medium- and long-term notes: 3.70% notes due July 2023 — 841 4.00% notes due 2029 (a) 523 515 Total medium- and long-term notes 523 1,356 Total parent company 764 1,593 Subsidiaries Subordinated notes: 4.00% subordinated notes due 2025 (a) 337 331 7.875% subordinated notes due 2026 (a) 162 165 5.332% subordinated notes due 2033 (a) 466 459 Total subordinated notes 965 955 Medium- and long-term notes: 2.50% notes due 2024 (a) 489 476 Total medium- and long-term notes 489 476 Federal Home Loan Bank (FHLB) advances: 5.07% advance due 2025 (a) 995 — 4.79% advance due 2026 (a) 997 — 4.49% advance due 2027 (a) 999 — 4.49% advance due 2028 (a) 997 — Total FHLB advances 3,988 — Total subsidiaries 5,442 1,431 Total medium- and long-term debt $ 6,206 $ 3,024 (a) The fixed interest rates on these notes have been swapped to a variable rate and designated in a hedging relationship. Accordingly, carrying value has been adjusted to reflect the change in the fair value of the debt as a result of changes in the benchmark rate.
Schedule of Maturities of Medium- and Long-term Debt	At December 31, 2023, the principal maturities of medium- and long-term debt were as follows: (in millions) Years Ending December 31 2024 $ 500 2025 1,350 2026 1,400 2027 1,000 2028 1,000 Thereafter 1,050 Total $ 6,300

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	12 Months Ended
Accumulated Other Comprehensive Loss (Tables)	Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule Of Accumulated Other Comprehensive Income (Loss)	The following table presents a reconciliation of the changes in the components of accumulated other comprehensive loss and details the components of other comprehensive income (loss) for the years ended December 31, 2023, 2022 and 2021, including the amount of income tax expense (benefit) allocated to each component of other comprehensive income (loss). (in millions) Years Ended December 31 2023 2022 2021 Accumulated net unrealized gains (losses) on investment securities: Balance at beginning of period, net of tax $ (2,319) $ (99) $ 211 Net unrealized gains (losses) arising during the period 361 (2,903) (406) Less: Provision (benefit) for income taxes 85 (683) (96) Change in net unrealized gains (losses) on investment securities, net of tax 276 (2,220) (310) Balance at end of period, net of tax $ (2,043) $ (2,319) $ (99) Accumulated net (losses) gains on cash flow hedges: Balance at beginning of period, net of tax $ (942) $ 55 $ 155 Net cash flow hedge gains (losses) arising during the period 34 (1,329) (35) Reclassification of loss related to de-designation of derivatives to other noninterest income (195) — — Less: Benefit for income taxes (38) (313) (8) Change in net cash flow hedge losses arising during the period, net of tax (123) (1,016) (27) Less: Net cash flow (losses) gains included in interest and fees on loans (576) (25) 95 Amortization of unrealized losses related to de-designated derivatives included in interest and fees on loans (26) — — Less: (Benefit) provision for income taxes (142) (6) 22 Reclassification adjustment for net cash flow hedge (losses) gains included in net income, net of tax (460) (19) 73 Change in net cash flow hedge gains (losses), net of tax 337 (997) (100) Balance at end of period, net of tax (a) $ (605) $ (942) $ 55 Accumulated defined benefit pension and other postretirement plans adjustment: Balance at beginning of period, net of tax $ (481) $ (168) $ (302) Actuarial gain (loss) arising during the period 96 (415) 159 Prior service credit arising during the period — — 1 Net defined benefit pension and other postretirement plans adjustment arising during the period 96 (415) 160 Less: Provision (benefit) for income taxes 25 (98) 38 Net defined benefit pension and other postretirement plans adjustment arising during the period, net of tax 71 (317) 122 Amounts recognized in other noninterest expenses: Amortization of actuarial net loss 36 28 40 Amortization of prior service credit (23) (23) (25) Total amounts recognized in other noninterest expenses 13 5 15 Less: Provision for income taxes 3 1 3 Adjustment for amounts recognized as components of net periodic benefit credit during the period, net of tax 10 4 12 Change in defined benefit pension and other postretirement plans adjustment, net of tax 81 (313) 134 Balance at end of period, net of tax $ (400) $ (481) $ (168) Total accumulated other comprehensive loss at end of period, net of tax $ (3,048) $ (3,742) $ (212) (a) The Corporation expects to reclassify $383 million of losses, net of tax, from accumulated other comprehensive loss to earnings over the next twelve months if interest yield curves and notional amounts remain at December 31, 2023 levels.

Net Income Per Common Share (Ta

Net Income Per Common Share (Tables)	12 Months Ended
Net Income Per Common Share (Tables)	Dec. 31, 2023
Earnings Per Share [Abstract]
Basic And Diluted Net Income Per Common Share	Basic and diluted net income per common share are presented in the following table. (in millions, except per share data) Years Ended December 31 2023 2022 2021 Basic and diluted Net income $ 881 $ 1,151 $ 1,168 Less: Income allocated to participating securities 4 6 5 Preferred stock dividends 23 23 23 Net income attributable to common shares $ 854 $ 1,122 $ 1,140 Basic average common shares 132 131 135 Basic net income per common share $ 6.47 $ 8.56 $ 8.45 Basic average common shares 132 131 135 Dilutive common stock equivalents: Net effect of the assumed exercise of stock awards 1 2 2 Diluted average common shares 133 133 137 Diluted net income per common share $ 6.44 $ 8.47 $ 8.35
Schedule of Average Shares Excluded From Diluted Net Income Per Common Share Computation	The following average shares related to outstanding options to purchase shares of common stock were not included in the computation of diluted net income per common share because the options were anti-dilutive for the period. (average outstanding options in thousands) Years Ended December 31 2023 2022 2021 Average outstanding options 1,631 543 438 Range of exercise prices $49.20 - $95.25 $70.18 - $95.25 $79.01 - $95.25

Share-Based Compensation Share-

Share-Based Compensation Share-Based Compensation (Tables)	12 Months Ended
Share-Based Compensation Share-Based Compensation (Tables)	Dec. 31, 2023
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Summary of Components of Share-Based Compensation Expense	The total share-based compensation expense for all share-based compensation plans and related tax benefits are as follows: (in millions) Years Ended December 31 2023 2022 2021 Total share-based compensation expense $ 52 $ 60 $ 41 Related tax benefits recognized in net income $ 12 $ 14 $ 10
Schedule of Unrecognized Compensation Expense	The following table summarizes unrecognized compensation expense information for all share-based plans. (dollar amounts in millions) December 31, 2023 Total unrecognized share-based compensation expense $ 43 Weighted-average expected recognition period (in years) 2.1
Estimated Weighted-Average Grant-Date Fair Value per Option and the Underlying Model Assumptions	The estimated weighted-average grant-date fair value per option and the underlying binomial option-pricing model assumptions are summarized in the following table: Years Ended December 31 2023 2022 2021 Weighted-average grant-date fair value per option $ 20.21 $ 25.31 $ 18.36 Weighted-average assumptions: Risk-free interest rates 3.46 % 1.78 % 1.05 % Expected dividend yield 4.00 4.00 4.00 Volatility 32 34 39 Expected option life (in years) 7.8 8.0 7.8
Summary of Stock Option Activity and Related Information	A summary of the Corporation’s stock option activity and related information for the year ended December 31, 2023 follows: Weighted-Average Number of Exercise Price Remaining Aggregate Outstanding-January 1, 2023 2,008 $ 61.71 Granted 250 71.16 Forfeited or expired (27) 71.37 Exercised (148) 43.32 Outstanding-December 31, 2023 2,083 64.03 5.0 $ 10 Exercisable-December 31, 2023 1,489 $ 60.86 3.8 $ 10
Summary of Restricted Stock Unit Activity and Related Information	A summary of the Corporation's restricted stock unit activity and related information for the year ended December 31, 2023 follows: Service-Based Units Performance-Based Units Number of Weighted-Average Number of Weighted-Average Outstanding-January 1, 2023 1,405 $ 64.27 744 $ 64.01 Granted 629 57.33 294 62.39 Forfeited (34) 67.09 (8) 73.30 Vested (482) 60.77 (303) 53.35 Outstanding-December 31, 2023 1,518 62.42 727 67.70

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
Employee Benefit Plans (Tables)	Dec. 31, 2023
Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Abstract]
Schedule of Defined Benefit Plans Disclosures	The following table sets forth reconciliations of plan assets and the projected benefit obligation, the weighted-average assumptions used to determine year-end benefit obligations, and the amounts recognized in accumulated other comprehensive loss for the Corporation’s defined benefit pension plans and postretirement benefit plan at December 31, 2023 and 2022. The Corporation used a measurement date of December 31, 2023 for these plans. Defined Benefit Pension Plans Qualified Non-Qualified Postretirement Benefit Plan (dollar amounts in millions) 2023 2022 2023 2022 2023 2022 Change in fair value of plan assets: Fair value of plan assets at January 1 $ 2,508 $ 3,462 $ — $ — $ 46 $ 53 Actual return on plan assets 338 (777) — — 1 (4) Benefits paid (165) (177) — — (2) (3) Fair value of plan assets at December 31 $ 2,681 $ 2,508 $ — $ — $ 45 $ 46 Change in projected benefit obligation: Projected benefit obligation at January 1 $ 1,611 $ 2,214 $ 163 $ 207 $ 21 $ 31 Service cost 31 37 2 2 — — Interest cost 85 62 9 6 1 1 Actuarial gain (loss) 67 (525) 10 (37) (3) (8) Benefits paid (165) (177) (15) (15) (2) (3) Projected benefit obligation at December 31 $ 1,629 $ 1,611 $ 169 $ 163 $ 17 $ 21 Accumulated benefit obligation $ 1,611 $ 1,598 $ 166 $ 161 $ 17 $ 21 Funded status at December 31 (a) (b) $ 1,052 $ 897 $ (169) $ (163) $ 28 $ 25 Weighted-average assumptions used: Discount rate 5.33 % 5.60 % 5.33 % 5.60 % 5.43 % 5.71 % Rate of compensation increase 4.50 4.25 4.50 4.25 n/a n/a Interest crediting rate 4.66 - 5.25 3.99 - 5.25 4.66 - 5.25 3.99 - 5.25 n/a n/a Amounts recognized in accumulated other comprehensive loss before income taxes: Net actuarial loss $ (501) $ (638) $ (52) $ (46) $ (9) $ (10) Prior service credit 19 33 29 38 2 2 Balance at December 31 $ (482) $ (605) $ (23) $ (8) $ (7) $ (8) (a) Based on projected benefit obligation for defined benefit pension plans and accumulated benefit obligation for postretirement benefit plan. (b) The Corporation recognizes the overfunded and underfunded status of the plans in accrued income and other assets and accrued expenses and other liabilities, respectively, on the Consolidated Balance Sheets. n/a - not applicable
Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)	The following table details the changes in plan assets and benefit obligations recognized in other comprehensive income (loss) fo r the year ended December 31, 2023. Defined Benefit Pension Plans (in millions) Qualified Non-Qualified Postretirement Benefit Plan Total Actuarial gain (loss) arising during the period $ 105 $ (10) $ 1 $ 96 Amortization of net actuarial loss 32 4 — 36 Amortization of prior service credit (14) (9) — (23) Total recognized in other comprehensive income (loss) $ 123 $ (15) $ 1 $ 109
Components of Net Periodic Defined Benefit Cost	Components of net periodic defined benefit (credit) cost and postretirement benefit credit, the actual return on plan assets and the weighted-average assumptions used were as follows: Defined Benefit Pension Plans (dollar amounts in millions) Qualified Non-Qualified Years Ended December 31 2023 2022 2021 2023 2022 2021 Service cost (a) $ 31 $ 37 $ 38 $ 2 $ 2 $ 2 Other components of net benefit (credit) cost: Interest cost 85 62 61 9 6 7 Expected return on plan assets (166) (201) (202) — — — Amortization of prior service credit (14) (14) (19) (9) (9) (6) Amortization of actuarial net loss 32 19 29 4 9 11 Total other components of net benefit (credit) cost (b) (63) (134) (131) 4 6 12 Net periodic defined benefit (credit) cost $ (32) $ (97) $ (93) $ 6 $ 8 $ 14 Actual return on plan assets $ 338 $ (777) $ 291 n/a n/a n/a Actual rate of return on plan assets 13.91 % (23.02) % 8.92 % n/a n/a n/a Weighted-average assumptions used: Discount rate 5.60 % 2.96 % 2.71 % 5.60 % 2.96 % 2.71 % Expected long-term return on plan assets 6.50 6.50 6.50 n/a n/a n/a Rate of compensation increase 4.25 4.00 4.00 4.25 4.00 4.00 (a) Included in salaries and benefits expense on the Consolidated Statements of Income. (b) Included in other noninterest expenses on the Consolidated Statements of Income. n/a - not applicable (dollar amounts in millions) Postretirement Benefit Plan Years Ended December 31 2023 2022 2021 Other components of net benefit credit: Interest cost $ 1 $ 1 $ 1 Expected return on plan assets (2) (3) (3) Net periodic postretirement benefit credit $ (1) $ (2) $ (2) Actual return on plan assets $ 1 $ (4) $ (1) Actual rate of return on plan assets 2.61 % (8.24) % (2.25) % Weighted-average assumptions used: Discount rate 5.71 % 2.79 % 2.43 % Expected long-term return on plan assets 5.00 5.00 5.00 Healthcare cost trend rate (a): Cost trend rate assumed n/a n/a 6.00 Rate to which the cost trend rate is assumed to decline (the ultimate trend rate) n/a n/a 4.50 Year that the rate reaches the ultimate trend rate n/a n/a 2027
Fair Value of Defined Benefit Plan Investments	The fair values of the Corporation’s qualified defined benefit pension plan investments measured at fair value on a recurring basis at December 31, 2023 and 2022, by asset category and level within the fair value hierarchy, are detailed in the table below. (in millions) Total Level 1 Level 2 Level 3 December 31, 2023 Fixed income securities: U.S. Treasury and other U.S. government agency securities $ 567 $ 564 $ 3 $ — Corporate and municipal bonds and notes 786 — 786 — Private placements 44 — — 44 Total investments in the fair value hierarchy $ 1,397 $ 564 $ 789 $ 44 Investments measured at net asset value: Collective investment funds 1,268 Total investments at fair value $ 2,665 December 31, 2022 Fixed income securities: U.S. Treasury and other U.S. government agency securities $ 534 $ 531 $ 3 $ — Corporate and municipal bonds and notes 676 — 676 — Mortgage-backed securities 20 — 20 — Private placements 39 — — 39 Total investments in the fair value hierarchy $ 1,269 $ 531 $ 699 $ 39 Investments measured at net asset value: Collective investment funds 1,230 Total investments at fair value $ 2,499
Changes in Level 3 Defined Benefit Plan Investments	The table below provides a summary of changes in the Corporation’s qualified defined benefit pension plan’s Level 3 investments measured at fair value on a recurring basis for the years ended December 31, 2023 and 2022. Balance at Balance at Net Gains (Losses) (in millions) Realized Unrealized Purchases Sales Year Ended December 31, 2023 Private placements $ 39 $ (3) $ 8 $ 46 $ (46) $ 44 Year Ended December 31, 2022 Private placements $ 50 $ (3) $ (12) $ 38 $ (34) $ 39
Estimated Future Benefit Payments	The Corporation currently expects to make no employer contributions to the qualified and non-qualified defined benefit pension plans and postretirement benefit plan for the year ended December 31, 2024. Estimated Future Benefit Payments (in millions) Years Ended December 31 Qualified Non-Qualified Postretirement 2024 $ 162 $ 15 $ 3 2025 140 15 2 2026 144 15 2 2027 142 15 2 2028 143 15 2 2029 - 2033 668 73 6 (a) Estimated benefit payments in the postretirement benefit plan are net of estimated Medicare subsidies.

Income Taxes And Tax-Related _2

Income Taxes And Tax-Related Items Income Taxes And Tax-Related Items (Tables)	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Current and Deferred Components of the Provision for Income Taxes	The current and deferred components of the provision for income taxes were as follows: (in millions) December 31 2023 2022 2021 Current: Federal $ 297 $ 296 $ 212 Foreign 9 6 5 State and local 49 50 26 Total current 355 352 243 Deferred: Federal (83) (24) 62 State and local (9) (3) 17 Total deferred (92) (27) 79 Total $ 263 $ 325 $ 322
Reconciliation of Expected Income Tax Expense at the Federal Statutory Rate to the Provision for Income Taxes	A reconciliation of expected income tax expense at the federal statutory rate to the Corporation’s provision for income taxes and effective tax rate follows: (dollar amounts in millions) 2023 2022 2021 Years Ended December 31 Amount Rate Amount Rate Amount Rate Tax based on federal statutory rate $ 240 21.0 % $ 310 21.0 % $ 313 21.0 % State income taxes 35 3.1 36 2.5 35 2.4 Affordable housing and historic credits (16) (1.4) (13) (0.9) (13) (0.9) Bank-owned life insurance (10) (0.9) (10) (0.7) (10) (0.6) FDIC insurance expense 15 1.3 6 0.4 5 0.3 Employee stock transactions (1) (0.1) (3) (0.2) (3) (0.2) Tax-related interest and penalties (4) (0.4) — — — — Other 4 0.4 (1) (0.1) (5) (0.4) Provision for income taxes $ 263 23.0 % $ 325 22.0 % $ 322 21.6 %
Reconciliation of Beginning and Ending Unrecognized Tax Benefits	A reconciliation of the beginning and ending amount of net unrecognized tax benefits follows: (in millions) 2023 2022 2021 Balance at January 1 $ 16 $ 18 $ 19 (Decrease) increase as a result of tax positions taken during a prior period — (2) 1 Increase as a result of tax positions taken during the current period 1 3 3 Decreases related to settlements with tax authorities (10) (3) (3) Reduction as a result of expiration of statute of limitations — — (2) Balance at December 31 $ 7 $ 16 $ 18
Tax Years Remaining Open for Examination for Significant Tax Jurisdictions	The following tax years for significant jurisdictions remain subject to examination as of December 31, 2023: Jurisdiction Tax Years Federal 2020-2022 New York 2018-2022 California 2020-2022
Principal Components of Deferred Tax Assets and Liabilities	The principal components of deferred tax assets and liabilities were as follows: (in millions) December 31 2023 2022 Deferred tax assets: Allowance for loan losses $ 145 $ 128 Deferred compensation 77 84 Deferred loan origination fees and costs 11 12 Net hedging losses 186 290 Net unrealized losses on investment securities available-for-sale 628 713 Operating lease liabilities 81 85 Other temporary differences, net 124 42 Total deferred tax assets before valuation allowance 1,252 1,354 Valuation allowance (6) (5) Total deferred tax assets 1,246 1,349 Deferred tax liabilities: Lease financing transactions (20) (31) Defined benefit plans (159) (123) Allowance for depreciation (5) (4) Leasing right of use assets (67) (71) Total deferred tax liabilities (251) (229) Net deferred tax assets $ 995 $ 1,120

Regulatory Capital and Reserv_2

Regulatory Capital and Reserve Requirements Regulatory Capital and Reserve Requirements (Tables)	12 Months Ended
	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Summary of Capital Position	The following is a summary of the capital position of the Corporation and Comerica Bank, its principal banking subsidiary. (dollar amounts in millions) Comerica Comerica December 31, 2023 CET1 capital (minimum $3.4 billion (Consolidated)) $ 8,414 $ 8,007 Tier 1 capital (minimum $4.6 billion (Consolidated)) 8,808 8,007 Total capital (minimum $6.1 billion (Consolidated)) 10,263 9,362 Risk-weighted assets 75,901 75,783 Average assets (fourth quarter) 87,538 87,423 CET1 capital to risk-weighted assets (minimum-4.5%) 11.09 % 10.57 % Tier 1 capital to risk-weighted assets (minimum-6.0%) 11.60 10.57 Total capital to risk-weighted assets (minimum-8.0%) 13.52 12.35 Tier 1 capital to average assets (minimum-4.0%) 10.06 9.16 Capital conservation buffer (minimum-2.5%) 5.52 4.35 December 31, 2022 CET1 capital (minimum $3.5 billion (Consolidated)) $ 7,884 $ 7,801 Tier 1 capital (minimum $4.7 billion (Consolidated)) 8,278 7,801 Total capital (minimum $6.3 billion (Consolidated)) 9,817 9,190 Risk-weighted assets 78,871 78,781 Average assets (fourth quarter) 86,726 86,608 CET1 capital to risk-weighted assets (minimum-4.5%) 10.00 % 9.90 % Tier 1 capital to risk-weighted assets (minimum-6.0%) 10.50 9.90 Total capital to risk-weighted assets (minimum-8.0%) 12.45 11.67 Tier 1 capital to average assets (minimum-4.0%) 9.55 9.01 Capital conservation buffer (minimum-2.5%) 4.45 3.67

Business Segment Information (T

Business Segment Information (Tables)	12 Months Ended
Business Segment Information (Tables)	Dec. 31, 2023
Segment Reporting [Abstract]
Business Segment Financial Results	Business segment financial results are as follows: (dollar amounts in millions) Commercial Retail Wealth Management Finance Other Total Year Ended December 31, 2023 Earnings summary: Net interest income (expense) $ 2,051 $ 846 $ 208 $ (693) $ 102 $ 2,514 Provision for credit losses 90 3 (6) — 2 89 Noninterest income 603 119 307 37 12 1,078 Noninterest expenses 1,106 728 402 12 111 2,359 Provision (benefit) for income taxes 342 58 29 (164) (2) 263 Net income (loss) $ 1,116 $ 176 $ 90 $ (504) $ 3 $ 881 Net charge-offs $ 20 $ 1 $ 1 $ — $ — $ 22 Selected average balances: Assets $ 49,458 $ 2,960 $ 5,500 $ 20,139 $ 9,137 $ 87,194 Loans 46,435 2,236 5,232 — — 53,903 Deposits 33,019 24,363 4,130 4,169 337 66,018 Statistical data: Return on average assets (a) 2.26 % 0.71 % 1.61 % n/m n/m 1.01 % Efficiency ratio (b) 41.68 74.90 78.16 n/m n/m 65.56 Year Ended December 31, 2022 Earnings summary: Net interest income $ 1,761 $ 680 $ 199 $ (195) $ 21 $ 2,466 Provision for credit losses 32 11 9 — 8 60 Noninterest income 607 122 298 59 (18) 1,068 Noninterest expenses 964 690 348 1 (5) 1,998 Provision (benefit) for income taxes 315 22 34 (39) (7) 325 Net income (loss) $ 1,057 $ 79 $ 106 $ (98) $ 7 $ 1,151 Net charge-offs (recoveries) $ 21 $ (1) $ (3) $ — $ — $ 17 Selected average balances: Assets $ 47,437 $ 2,814 $ 5,037 $ 20,912 $ 11,072 $ 87,272 Loans 43,481 2,063 4,906 — 10 50,460 Deposits 42,584 26,672 5,439 360 426 75,481 Statistical data: Return on average assets (a) 2.23 % 0.29 % 1.84 % n/m n/m 1.32 % Efficiency ratio (b) 40.57 85.51 69.92 n/m n/m 56.32 Table continues on the following page. (dollar amounts in millions) Commercial Bank Retail Wealth Management Finance Other Total Year Ended December 31, 2021 Earnings summary: Net interest income (expense) $ 1,574 $ 565 $ 166 $ (471) $ 10 $ 1,844 Provision for credit losses (346) (5) (32) — (1) (384) Noninterest income 663 123 279 41 17 1,123 Noninterest expenses 871 648 316 1 25 1,861 Provision (benefit) for income taxes 384 5 36 (100) (3) 322 Net income (loss) $ 1,328 $ 40 $ 125 $ (331) $ 6 $ 1,168 Net credit-related (recoveries) charge-offs $ (12) $ 2 $ — $ — $ — $ (10) Selected average balances: Assets $ 44,007 $ 3,213 $ 5,025 $ 17,713 $ 20,194 $ 90,152 Loans 41,799 2,382 4,902 — — 49,083 Deposits 45,602 25,682 5,218 787 392 77,681 Statistical data: Return on average assets (a) 2.71 % 0.15 % 2.24 % n/m n/m 1.30 % Efficiency ratio (b) 38.78 93.34 70.93 n/m n/m 62.42 (a) Return on average assets is calculated based on the greater of average assets or average liabilities and attributed equity. (b) Noninterest expenses as a percentage of the sum of net interest income and noninterest income excluding net gains (losses) from securities, a derivative contract tied to the conversion rate of Visa Class B shares and changes in the value of shares obtained through monetization of warrants. n/m – not meaningful

Parent Company FInancial Stat_2

Parent Company FInancial Statements Parent Company Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Balance Sheets - Comerica Incorporated	BALANCE SHEETS - COMERICA INCORPORATED (in millions, except share data) December 31 2023 2022 Assets Cash and due from subsidiary banks $ 1,415 $ 1,810 Other short-term investments 104 92 Receivable due from subsidiary bank — 150 Investment in subsidiaries, principally banks 5,777 4,853 Accrued income and other assets 180 191 Total assets $ 7,476 $ 7,096 Liabilities and Shareholders’ Equity Medium- and long-term debt $ 764 $ 1,593 Accrued expenses and other liabilities 306 322 Total liabilities 1,070 1,915 Fixed-rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares Issued - 4,000 shares 394 394 Common stock - $5 par value: Authorized - 325,000,000 shares Issued - 228,164,824 shares 1,141 1,141 Capital surplus 2,224 2,220 Accumulated other comprehensive loss (3,048) (3,742) Retained earnings 11,727 11,258 Less cost of common stock in treasury - 96,266,568 shares at 12/31/2023 and 97,197,962 shares at 12/31/2022 (6,032) (6,090) Total shareholders’ equity 6,406 5,181 Total liabilities and shareholders’ equity $ 7,476 $ 7,096
Statements of Income - Comerica Incorporated	STATEMENTS OF INCOME - COMERICA INCORPORATED (in millions) Years Ended December 31 2023 2022 2021 Income Income from subsidiaries: Dividends from subsidiaries $ 677 $ 1,067 $ 849 Other interest income 53 13 1 Intercompany management fees 75 109 235 Total income 805 1,189 1,085 Expenses Interest on medium- and long-term debt 79 47 20 Salaries and benefits expense 62 53 170 Other noninterest expenses 13 46 72 Total expenses 154 146 262 Income before benefit for income taxes and equity in undistributed earnings of subsidiaries 651 1,043 823 Benefit for income taxes (2) (3) (6) Income before equity in undistributed earnings of subsidiaries 653 1,046 829 Equity in undistributed earnings of subsidiaries, principally banks 228 105 339 Net income 881 1,151 1,168 Less income allocated to participating securities 4 6 5 Preferred stock dividends 23 23 23 Net income attributable to common shares $ 854 $ 1,122 $ 1,140
Statements of Cash Flows - Comerica Incorporated	STATEMENTS OF CASH FLOWS - COMERICA INCORPORATED (in millions) Years Ended December 31 2023 2022 2021 Operating Activities Net income $ 881 $ 1,151 $ 1,168 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed losses of subsidiaries, principally banks (228) (105) (339) Net periodic defined benefit cost 1 2 5 Share-based compensation expense 18 22 19 (Benefit) provision for deferred income taxes (2) — (2) Other, net 28 24 3 Net cash provided by operating activities 698 1,094 854 Investing Activities Advance to subsidiary bank — — (150) Repayment of subsidiary advance 150 — — Other, net — 2 (1) Net cash provided by (used in) investing activities 150 2 (151) Financing Activities Maturities of medium- and long-term debt (850) — — Cash dividends paid on preferred stock (23) (23) (23) Common Stock: Repurchases (17) (43) (729) Cash dividends paid (371) (353) (369) Issuances under employee stock plans 18 28 34 Net cash used in financing activities (1,243) (391) (1,087) Net (decrease) increase in cash and cash equivalents (395) 705 (384) Cash and cash equivalents at beginning of period 1,810 1,105 1,489 Cash and cash equivalents at end of period $ 1,415 $ 1,810 $ 1,105 Interest paid $ 76 $ 41 $ 21

Revenue from Contracts with C_2

Revenue from Contracts with Customers Revenue from Contracts wtih Customers (Tables)	12 Months Ended
	Dec. 31, 2023
Revenue from Contracts with Customers [Abstract]
Composition of Revenue from Contracts with Customers	Revenue from contracts with customers comprises the noninterest income earned by the Corporation in exchange for services provided to customers. The following table presents the composition of revenue from contracts with customers, segregated from other sources of noninterest income, by business segment. Commercial Retail Wealth Management Finance & Other Total (in millions) Year Ended December 31, 2023 Revenue from contracts with customers: Card fees $ 231 $ 45 $ 4 $ — $ 280 Fiduciary income 1 — 234 — 235 Service charges on deposit accounts 125 55 5 — 185 Commercial loan servicing fees (a) 11 — — — 11 Capital markets income (b) 17 — — — 17 Brokerage fees — — 30 — 30 Other noninterest income (b) 2 14 23 1 40 Total revenue from contracts with customers 387 114 296 1 798 Other sources of noninterest income 216 5 11 48 280 Total noninterest income $ 603 $ 119 $ 307 $ 49 $ 1,078 Year Ended December 31, 2022 Revenue from contracts with customers: Card fees $ 227 $ 42 $ 4 $ — $ 273 Fiduciary income — — 233 — 233 Service charges on deposit accounts 132 57 6 — 195 Commercial loan servicing fees (a) 11 — — — 11 Capital markets income (b) 11 — — — 11 Brokerage fees — — 21 — 21 Other noninterest income (b) 3 16 24 1 44 Total revenue from contracts with customers 384 115 288 1 788 Other sources of noninterest income 223 7 10 40 280 Total noninterest income $ 607 $ 122 $ 298 $ 41 $ 1,068 Year Ended December 31, 2021 Revenue from contracts with customers: Card fees $ 250 $ 44 $ 4 $ — $ 298 Fiduciary income — — 231 — 231 Service charges on deposit accounts 136 54 5 — 195 Commercial loan servicing fees (a) 13 — — — 13 Capital markets income (b) 17 — — — 17 Brokerage fees — — 14 — 14 Other noninterest income (b) (6) 17 17 — 28 Total revenue from contracts with customers 410 115 271 — 796 Other sources of noninterest income 253 8 8 58 327 Total noninterest income $ 663 $ 123 $ 279 $ 58 $ 1,123 (a) Included in commercial lending fees on the Consolidated Statements of Income. (b) Excludes derivative, warrant and other miscellaneous income. (c) Effective January 1, 2023, the Corporation reported derivative income, syndication agent fees (previously a component of commercial lending fees) and investment banking fees (previously a component of other noninterest income) as a combined item captioned by capital markets income on the Consolidated Statements of Comprehensive Income. Prior periods have been adjusted to conform to this presentation, and the changes in presentation do not impact total noninterest income

Leases (Tables)

Leases (Tables)	12 Months Ended
Leases (Tables)	Dec. 31, 2023
Leases [Abstract]
Operating Leases	As a lessee, the Corporation has entered into operating leases for the majority of its real estate locations, primarily retail and office space. Total lease expense for the years ended December 31, 2023, 2022 and 2021 were as follows: (in millions) Years Ended December 31 2023 2022 2021 Operating lease expense $ 67 $ 68 $ 65 Variable lease expense 18 17 15 Less sublease income (1) (1) (1) Total lease expense $ 84 $ 84 $ 79
Leases - Supplemental balance sheet information	Supplemental balance sheet information related to leases is summarized as follows: (dollar amounts in millions) Years Ended December 31 2023 2022 2021 Included in accrued income and other assets Right-of-use (ROU) assets $ 317 $ 338 $ 317 Included in accrued expenses and other liabilities Operating lease liabilities 388 406 356 Weighted average discount rate 3.72 % 3.53 % 3.33 % Weighted average remaining lease term in years 9 9 8
Leases - Supplemental cash flow information	Supplemental cash flow information related to leases is summarized as follows: (in millions) Years Ended December 31 2023 2022 2021 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 69 $ 66 $ 66 ROU assets obtained in exchange for new liabilities 28 80 64
Contractual maturities of sales-type and direct financing lease receivables	As of December 31, 2023, the contractual maturities of operating lease liabilities were as follows: (in millions) Years Ended December 31 2024 $ 70 2025 68 2026 61 2027 50 2028 42 Thereafter 169 Total contractual maturities 460 Less imputed interest (72) Total operating lease liabilities $ 388
Contractual maturities of operating lease liabilities	As of December 31, 2023, the contractual maturities of sales-type and direct financing lease receivables were as follows: (in millions) Years Ended December 31 2024 $ 118 2025 154 2026 90 2027 49 2028 39 Thereafter 268 Total lease payments receivable 718 Unguaranteed residual values 61 Less deferred interest income (18) Total lease receivables (a) $ 761 (a) Excludes net investment in leveraged leases of $46 million.

Basis of Presentation and Acc_3

Basis of Presentation and Accounting Policies Basis of Presentation and Accounting Policies (Narrative) (Details)		12 Months Ended
		Dec. 31, 2023 USD ($) segments	Dec. 31, 2022 USD ($)
Federal Home Loan Bank Stock		$ 316,550,000	$ 138,200,000
Federal Reserve Bank Stock		85,271,550
Net Deferred Income on Originated Loans		$ (94,000,000)	(118,000,000)
Delinquency Status, Period of Unpaid Scheduled Monthly Payment		30 days
Hosting Arrangement, Service Contract, Implementation Cost, Capitalized, after Accumulated Amortization		$ 61,000,000	43,000,000
Hosting Arrangement, Service Contract, Implementation Cost, Capitalized, Accumulated Amortization		$ 14,000,000	5,000,000
Number of Reporting Units \| segments		3
Derivative, Notional Amount	[1]	$ 70,737,000,000	$ 67,665,000,000
Defined Benefit Plan Investment Gain Loss Amortization Adjustment, Allowable Percentage		10%
Defined Benefit Plan Actuarial Gain Loss Amortization Adjustment, Allowable Percentage		10%
Defined Benefit Plan Market-related Value Plan Assets, Amortization Period		5 years
Premises the Corporation owns \| Minimum
Premises and Equipment, Useful Life		3 years
Premises the Corporation owns \| Maximum
Premises and Equipment, Useful Life		33 years
Furniture and equipment \| Minimum
Premises and Equipment, Useful Life		3 years
Furniture and equipment \| Maximum
Premises and Equipment, Useful Life		8 years
Leasehold improvements \| Maximum
Premises and Equipment, Useful Life		10 years
Software
Premises and Equipment, Useful Life		5 years
Retail loans \| Commercial mortgage
Past Due Period Residential Mortgage And Home Equity Loans Placed On Nonaccrual Status		90 days
Past Due Threshold For Charge-Off		180 days
Commercial \| Business loans
Past Due Period Business Loans Placed On Nonaccrual Status		90 days
Consumer \| Retail loans \| Home equity
Maximum Past Due Status Junior Lien Home Equity Placed On Nonaccrual Status		90 days
Consumer \| Retail loans \| Other consumer
Threshold, Days Past Due, Other Consumer Placed On Nonaccrual Status		90 days
Past Due Threshold For Charge-Off		120 days
Swaps - fair value - receive fixed/pay floating \| Short-Cut Method \| Not Designated as Hedging Instrument [Member] \| Interest rate swap
Derivative, Notional Amount		$ 1,700,000,000

[1] Notional or contractual amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected on the Consolidated Balance Sheets. (b) December 31, 2023 included $2.0 billion of forward starting swaps that will become effective on their contractual start dates in 2024.

Fair Value Measurements (Narrat

Fair Value Measurements (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Recurring
Transfers into or out of Level 1 or Level 2 or Level 3	$ 0	$ 0
Liabilities recorded at fair value	1,322	1,799
Nonrecurring
Liabilities recorded at fair value	$ 0	$ 0

Fair Value Measurements (Assets

Fair Value Measurements (Assets And Liabilities Recorded At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	$ 16,869	$ 19,012
Derivative assets	1,019	1,279
Derivative liabilities	1,206	1,695
U.S. Treasury and other U.S. government agency securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	1,605	2,664
Commercial Mortgage Backed Securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	4,745	4,693
Recurring
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	16,869	19,012
Derivative assets	1,019	1,279
Total assets at fair value	18,031	20,427
Derivative liabilities	1,218	1,707
Deferred compensation plan liabilities	104	92
Total liabilities at fair value	1,322	1,799
Recurring \| Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	1,605	2,664
Derivative assets	0	0
Total assets at fair value	1,748	2,800
Derivative liabilities	0	0
Deferred compensation plan liabilities	104	92
Total liabilities at fair value	104	92
Recurring \| Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	15,264	16,348
Derivative assets	1,019	1,279
Total assets at fair value	16,283	17,627
Derivative liabilities	1,206	1,695
Deferred compensation plan liabilities	0	0
Total liabilities at fair value	1,206	1,695
Recurring \| Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	0	0
Derivative assets	0	0
Total assets at fair value	0	0
Derivative liabilities	12	12
Deferred compensation plan liabilities	0	0
Total liabilities at fair value	12	12
Recurring \| Interest rate contracts
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	225	206
Derivative liabilities	435	644
Recurring \| Interest rate contracts \| Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring \| Interest rate contracts \| Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	225	206
Derivative liabilities	435	644
Recurring \| Interest rate contracts \| Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring \| Energy derivative contracts
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	758	1,020
Derivative liabilities	736	1,006
Recurring \| Energy derivative contracts \| Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring \| Energy derivative contracts \| Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	758	1,020
Derivative liabilities	736	1,006
Recurring \| Energy derivative contracts \| Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring \| Foreign exchange contracts
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	36	53
Derivative liabilities	35	45
Recurring \| Foreign exchange contracts \| Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring \| Foreign exchange contracts \| Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	36	53
Derivative liabilities	35	45
Recurring \| Foreign exchange contracts \| Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring \| Derivative Financial Instruments, Liabilities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative liabilities	12	12
Recurring \| Derivative Financial Instruments, Liabilities \| Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative liabilities	0	0
Recurring \| Derivative Financial Instruments, Liabilities \| Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative liabilities	0	0
Recurring \| Derivative Financial Instruments, Liabilities \| Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Total liabilities at fair value	12	12
Recurring \| Deferred compensation plan assets
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Deferred compensation plan assets	104	92
Recurring \| Deferred compensation plan assets \| Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Deferred compensation plan assets	104	92
Recurring \| Deferred compensation plan assets \| Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Deferred compensation plan assets	0	0
Recurring \| Deferred compensation plan assets \| Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Deferred compensation plan assets	0	0
Recurring \| Equity and other non-debt securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Equity Securities	39	44
Recurring \| Equity and other non-debt securities \| Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Equity Securities	39	44
Recurring \| Equity and other non-debt securities \| Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Equity Securities	0	0
Recurring \| Equity and other non-debt securities \| Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Equity Securities	0	0
Recurring \| U.S. Treasury and other U.S. government agency securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	1,605	2,664
Recurring \| U.S. Treasury and other U.S. government agency securities \| Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	1,605	2,664
Recurring \| U.S. Treasury and other U.S. government agency securities \| Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	0	0
Recurring \| U.S. Treasury and other U.S. government agency securities \| Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	0	0
Recurring \| Residential mortgage-backed securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	10,519	11,655
Recurring \| Residential mortgage-backed securities \| Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	0	0
Recurring \| Residential mortgage-backed securities \| Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	10,519	11,655
Recurring \| Residential mortgage-backed securities \| Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	0	0
Recurring \| Commercial Mortgage Backed Securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	4,745	4,693
Recurring \| Commercial Mortgage Backed Securities \| Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	0	0
Recurring \| Commercial Mortgage Backed Securities \| Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	4,745	4,693
Recurring \| Commercial Mortgage Backed Securities \| Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Investment Securities, Available-for-sale	$ 0	$ 0

Fair Value Measurements (Change

Fair Value Measurements (Changes In Level 3 Assets And Liabilities Measured At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022
Interest rate contracts
Balance at beginning of period		$ 0	$ 26
Realized gains (losses) recorded in earnings	[1]		0
Unrealized gains (losses) recorded in earnings	[1]		0
Settlements			(26)
Balance at end of period			0
Derivative Financial Instruments, Liabilities
Balance at beginning of period		(12)	(13)
Realized gains (losses) recorded in earnings	[1]	0	0
Unrealized gains (losses) recorded in earnings	[1]	0	1
Settlements		0	0
Balance at end of period		$ (12)	$ (12)

[1] Realized and unrealized gains and losses due to changes in fair value recorded in other noninterest income on the Consolidated Statements of Income.

Fair Value Measurements (Asse_2

Fair Value Measurements (Assets And Liabilities Recorded At Fair Value On A Nonrecurring Basis) (Details) - Nonrecurring - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Liabilities recorded at fair value	$ 0	$ 0
Level 3
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Total Loans	44	66
Loans Held for Sale	231
Other Real Estate	5	9
Total assets at fair value	280	75
Commercial \| Domestic loans \| Level 3
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Total Loans	12	53
Commercial \| International \| Level 3
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Total Loans	16
Commercial \| Commercial mortgage loans \| Domestic loans \| Level 3
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Total Loans	$ 16	11
Commercial \| Construction \| Domestic loans \| Level 3
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Total Loans		$ 2

Fair Value Measurements (Estima

Fair Value Measurements (Estimated Fair Values Of Financial Instruments Not Recorded At Fair Value In Their Entirety On A Recurring Basis) (Details) - USD ($) $ in Millions		Dec. 31, 2023	Dec. 31, 2022
Cash and due from banks		$ 1,443	$ 1,758
Interest-bearing deposits with banks		8,059	4,524
Total loans, net of allowance for loan losses		51,425	52,792
Demand deposits (noninterest-bearing)		27,849	39,945
Time Deposits		8,286
Total deposits		66,762	71,397
Short-term borrowings		3,565	3,211
Medium- and long-term debt		6,206	3,024
Carrying Amount
Cash and due from banks		1,443	1,758
Interest-bearing deposits with banks		8,059	4,524
Other short-term investments		24	19
Total loans, net of allowance for loan losses		51,425	52,792
Demand deposits (noninterest-bearing)		58,476	69,460
Time Deposits		8,286	1,937
Total deposits		66,762	71,397
Short-term borrowings		3,565	3,211
Medium- and long-term debt		6,206	3,024
Credit-related financial instruments		(72)	(79)
Estimated Fair Value
Cash and due from banks		1,443	1,758
Interest-bearing deposits with banks		8,059	4,524
Other short-term investments		24	19
Total loans, net of allowance for loan losses	[1]	50,633	50,964
Demand deposits (noninterest-bearing)		58,476	69,460
Time Deposits		8,391	1,894
Total deposits		66,867	71,354
Short-term borrowings		3,565	3,211
Medium- and long-term debt		6,207	3,071
Credit-related financial instruments		(72)	(79)
Level 1 \| Estimated Fair Value
Cash and due from banks		1,443	1,758
Interest-bearing deposits with banks		8,059	4,524
Other short-term investments		24	19
Total loans, net of allowance for loan losses		0	0
Demand deposits (noninterest-bearing)		0	0
Time Deposits		0	0
Total deposits		0	0
Short-term borrowings		3,565	3,211
Medium- and long-term debt		0	0
Credit-related financial instruments		0	0
Level 2 \| Estimated Fair Value
Cash and due from banks		0	0
Interest-bearing deposits with banks		0	0
Other short-term investments		0	0
Total loans, net of allowance for loan losses		0	0
Demand deposits (noninterest-bearing)		58,476	69,460
Time Deposits		8,391	1,894
Total deposits		66,867	71,354
Short-term borrowings		0	0
Medium- and long-term debt		6,207	3,071
Credit-related financial instruments		0	0
Level 3 \| Estimated Fair Value
Cash and due from banks		0	0
Interest-bearing deposits with banks		0	0
Other short-term investments		0	0
Total loans, net of allowance for loan losses		50,633	50,964
Demand deposits (noninterest-bearing)		0	0
Time Deposits		0	0
Total deposits		0	0
Short-term borrowings		0	0
Medium- and long-term debt		0	0
Credit-related financial instruments		$ (72)	$ (79)

[1] Included $44 million and $66 million of loans recorded at fair value on a nonrecurring basis at December 31, 2023 and 2022, respectively.

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Loan interest receivable	$ 40	$ 49
Securities gains and losses	0	$ 0	$ 0
Carrying value of securities pledged	15,600
Federal Reserve Bank Pledges	7,700
Pledged to the FHLB as collateral for potential future borrowings - investment securities	6,600
Collateral for potential future borrowings	1,300
Liabilities secured by pledged collateral	$ 702

Investment Securities (Summary

Investment Securities (Summary Of Investment Securities) (Details) $ in Millions	Dec. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($) security
Investment securities available-for-sale, Amortized Cost	$ 19,541	$ 22,045
Investment securities available-for-sale, Gross Unrealized Gains	0	0
Investment securities available-for-sale, Gross Unrealized Losses	2,672	3,033
Investment securities available-for-sale, Fair Value	16,869	19,012
Debt Securities, Available-for-Sale, Unrealized Loss Position	16,867	19,010
Temporarily Impaired Total, Unrealized Losses	$ 2,672	$ 3,033
Debt Securities Count \| security	1,250	1,289
Temporarily Impaired Less than 12 Months, Fair Value	$ 10	$ 8,504
Temporarily Impaired, Less than 12 Months, Unrealized Losses	0	771
Temporarily Impaired 12 Months or more, Fair Value	16,857	10,506
Temporarily Impaired, 12 Months or more, Unrealized Losses	2,672	2,262
U.S. Treasury and other U.S. government agency securities
Investment securities available-for-sale, Amortized Cost	1,681	2,810
Investment securities available-for-sale, Gross Unrealized Gains	0	0
Investment securities available-for-sale, Gross Unrealized Losses	76	146
Investment securities available-for-sale, Fair Value	1,605	2,664
Debt Securities, Available-for-Sale, Unrealized Loss Position	1,605	2,664
Temporarily Impaired Total, Unrealized Losses	$ 76	$ 146
Debt Securities Count	19	27
Temporarily Impaired Less than 12 Months, Fair Value	$ 0	$ 996
Temporarily Impaired 12 Months or more, Fair Value	1,605	1,668
Temporarily Impaired, 12 Months or more, Unrealized Losses	76	141
Residential mortgage-backed securities
Investment securities available-for-sale, Amortized Cost	12,607	13,983
Investment securities available-for-sale, Gross Unrealized Gains	0	0
Investment securities available-for-sale, Gross Unrealized Losses	2,088	2,328
Investment securities available-for-sale, Fair Value	10,519	11,655
Debt Securities, Available-for-Sale, Unrealized Loss Position	10,517	11,653
Temporarily Impaired Total, Unrealized Losses	$ 2,088	$ 2,328
Debt Securities Count	978	1,008
Temporarily Impaired Less than 12 Months, Fair Value	$ 10	$ 3,500
Temporarily Impaired 12 Months or more, Fair Value	10,507	8,153
Temporarily Impaired, 12 Months or more, Unrealized Losses	2,088	1,967
Commercial Mortgage Backed Securities
Investment securities available-for-sale, Amortized Cost	5,253	5,252
Investment securities available-for-sale, Gross Unrealized Gains	0	0
Investment securities available-for-sale, Gross Unrealized Losses	508	559
Investment securities available-for-sale, Fair Value	4,745	4,693
Debt Securities, Available-for-Sale, Unrealized Loss Position	4,745	4,693
Temporarily Impaired Total, Unrealized Losses	$ 508	$ 559
Debt Securities Count	253	254
Temporarily Impaired Less than 12 Months, Fair Value	$ 0	$ 4,008
Temporarily Impaired 12 Months or more, Fair Value	4,745	685
Temporarily Impaired, 12 Months or more, Unrealized Losses	$ 508	$ 154

Investment Securities (Summar_2

Investment Securities (Summary Of Investment Securities In Unrealized Loss Positions) (Details) $ in Millions	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Temporarily Impaired Less than 12 Months, Fair Value	$ 10	$ 8,504
Temporarily Impaired 12 Months or more, Fair Value	16,857	10,506
Temporarily Impaired, 12 Months or more, Unrealized Losses	2,672	2,262
Temporarily Impaired Total, Fair Value	16,867	19,010
Temporarily Impaired Total, Unrealized Losses	2,672	3,033
U.S. Treasury and other U.S. government agency securities
Temporarily Impaired Less than 12 Months, Fair Value	0	996
Temporarily Impaired, Less than 12 Months, Unrealized Losses	0	5
Temporarily Impaired 12 Months or more, Fair Value	1,605	1,668
Temporarily Impaired, 12 Months or more, Unrealized Losses	76	141
Temporarily Impaired Total, Fair Value	1,605	2,664
Temporarily Impaired Total, Unrealized Losses	$ 76	$ 146
Debt Securities Count	19	27
Residential mortgage-backed securities
Temporarily Impaired Less than 12 Months, Fair Value	$ 10	$ 3,500
Temporarily Impaired, Less than 12 Months, Unrealized Losses	0	361
Temporarily Impaired 12 Months or more, Fair Value	10,507	8,153
Temporarily Impaired, 12 Months or more, Unrealized Losses	2,088	1,967
Temporarily Impaired Total, Fair Value	10,517	11,653
Temporarily Impaired Total, Unrealized Losses	$ 2,088	$ 2,328
Debt Securities Count	978	1,008
Commercial Mortgage Backed Securities
Temporarily Impaired Less than 12 Months, Fair Value	$ 0	$ 4,008
Temporarily Impaired, Less than 12 Months, Unrealized Losses	0	405
Temporarily Impaired 12 Months or more, Fair Value	4,745	685
Temporarily Impaired, 12 Months or more, Unrealized Losses	508	154
Temporarily Impaired Total, Fair Value	4,745	4,693
Temporarily Impaired Total, Unrealized Losses	$ 508	$ 559
Debt Securities Count	253	254

Investment Securities (Contract

Investment Securities (Contractual Maturity Distribution Of Debt Securities) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Investment securities available-for-sale, Amortized Cost	$ 19,541	$ 22,045
Investment Securities, Available-for-sale	16,869	$ 19,012
Debt securities
Available-for-sale, Within one year, Amortized Cost	813
Available-for-sale, After one year through five years, Amortized Cost	1,098
Available-for-sale, After five years through ten years, Amortized Cost	5,380
Available-for-sale, After ten years, Amortized Cost	12,250
Investment securities available-for-sale, Amortized Cost	19,541
Available-for-sale, Within one year, Fair Value	790
Available-for-sale, After one year through five years, Fair Value	1,034
Available-for-sale, After five years through ten years, Fair Value	4,869
Available-for-sale, After ten years, Fair Value	10,176
Investment Securities, Available-for-sale	$ 16,869

Credit Quality And Allowance _3

Credit Quality And Allowance For Credit Losses (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Loan Interest Receivable	$ 313	$ 261
Financing Receivable, Nonaccrual, Interest Income	9	12	$ 11
Commitments to lend additional funds to TDR borrowers	0
Financial Receivable, Troubled Debt Restructuring, Other-than-Insignificant Payment Delays	6
Foreclosed property	$ 0	$ 0
Payment Delay
Minimum period loan terms were extended	90 days	90 days
Subsequent default during period	$ 0	$ 6
Interest Rate Reductions
Minimum period loan terms were extended	90 days	90 days
Subsequent default during period	$ 0	$ 0

Credit Quality And Allowance _4

Credit Quality And Allowance For Credit Losses (Aging Analysis Of Loans) (Details) - USD ($) $ in Millions		Dec. 31, 2023		Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		$ 178		$ 240
Total loans		52,113		53,402
Loans past due and still accruing		218		401
Current loans		51,717		52,761
30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		161		341
60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		37		37
90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		20		23
Real estate construction loans
Financing Receivable, Past Due [Line Items]
Total loans		5,083		3,105
Real estate construction loans \| Commercial Real Estate business line
Financing Receivable, Past Due [Line Items]
Total loans		4,570		2,505
Real estate construction loans \| Other Business Lines Member
Financing Receivable, Past Due [Line Items]
Total loans		513		600
Commercial mortgage
Financing Receivable, Past Due [Line Items]
Total loans		13,686		13,306
Commercial mortgage \| Commercial Real Estate business line
Financing Receivable, Past Due [Line Items]
Total loans		4,727		4,681
Commercial mortgage \| Other Business Lines Member
Financing Receivable, Past Due [Line Items]
Total loans		8,959		8,625
Total commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans		18,769		16,411
Business loans \| Commercial
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		138		171
Total loans		47,929		49,277
Loans past due and still accruing		155		366
Current loans		47,636		48,740
Business loans \| Commercial \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		109		310
Business loans \| Commercial \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		26		33
Business loans \| Commercial \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		20		23
Business loans \| Commercial \| Domestic loans
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		75		142
Total loans		27,251		30,909
Loans past due and still accruing		72		271
Current loans		27,104		30,496
Business loans \| Commercial \| Domestic loans \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		48		238
Business loans \| Commercial \| Domestic loans \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		14		13
Business loans \| Commercial \| Domestic loans \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		10		20
Business loans \| Commercial \| International loans
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		20		3
Total loans		1,102		1,197
Loans past due and still accruing		1		9
Current loans		1,081		1,185
Business loans \| Commercial \| International loans \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans \| Commercial \| International loans \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		9
Business loans \| Commercial \| International loans \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		1		0
Business loans \| Commercial \| Real estate construction loans \| Domestic loans
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		2		3
Total loans		5,083		3,105
Loans past due and still accruing		3		2
Current loans		5,078		3,100
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		3		2
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| Commercial
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		0	[1]	0
Total loans	[1]	4,570		2,505
Loans past due and still accruing	[1]	0		0
Current loans		4,570		2,505
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| Commercial \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0	[1]	0
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| Commercial \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0	[1]	0
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| Commercial \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0	[1]	0
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| Other business lines
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		2		3
Total loans	[2]	513		600
Loans past due and still accruing	[2]	3		2
Current loans		508		595
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| Other business lines \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		3		2
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| Other business lines \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans \| Commercial \| Real estate construction loans \| Domestic loans \| Other business lines \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans \| Commercial \| Commercial mortgage \| Domestic loans
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		41		23
Total loans		13,686		13,306
Loans past due and still accruing		75		78
Current loans		13,570		13,205
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		54		64
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		12		11
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		9		3
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Commercial
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans	[3]	18		1
Total loans	[1]	4,727		4,681
Loans past due and still accruing	[1]	5		6
Current loans		4,704		4,674
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Commercial \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		5		0
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Commercial \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		6
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Commercial \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Other business lines
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		23		22
Total loans	[2]	8,959		8,625
Loans past due and still accruing	[2]	70		72
Current loans		8,866		8,531
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Other business lines \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		49		64
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Other business lines \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		12		5
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Other business lines \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		9		3
Business loans \| Commercial \| Lease financing \| Domestic loans
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		0		0
Total loans		807		760
Loans past due and still accruing		4		6
Current loans		803		754
Business loans \| Commercial \| Lease financing \| Domestic loans \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		4		6
Business loans \| Commercial \| Lease financing \| Domestic loans \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans \| Commercial \| Lease financing \| Domestic loans \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		40		69
Total loans		4,184		4,125
Loans past due and still accruing		63		35
Current loans		4,081		4,021
Retail loans \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		52		31
Retail loans \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		11		4
Retail loans \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans \| Residential mortgage
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		19		53
Total loans		1,889		1,814
Loans past due and still accruing		16		22
Current loans		1,854		1,739
Retail loans \| Residential mortgage \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		10		22
Retail loans \| Residential mortgage \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		6		0
Retail loans \| Residential mortgage \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans \| Consumer
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		21		16
Total loans		2,295		2,311
Loans past due and still accruing		47		13
Current loans		2,227		2,282
Retail loans \| Consumer \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		42		9
Retail loans \| Consumer \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		5		4
Retail loans \| Consumer \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans \| Consumer \| Home equity
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		21		15
Total loans		1,792		1,776
Loans past due and still accruing		16		7
Current loans		1,755		1,754
Retail loans \| Consumer \| Home equity \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		11		4
Retail loans \| Consumer \| Home equity \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		5		3
Retail loans \| Consumer \| Home equity \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans \| Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total Nonaccrual Loans		0		1
Total loans		503		535
Loans past due and still accruing		31		6
Current loans		472		528
Retail loans \| Consumer \| Other consumer \| 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		31		5
Retail loans \| Consumer \| Other consumer \| 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		1
Retail loans \| Consumer \| Other consumer \| 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		$ 0		$ 0

[1] Primarily loans to real estate developers. Primarily loans secured by owner-occupied real estate. Primarily loans secured by owner-occupied real estate.

Credit Quality And Allowance _5

Credit Quality And Allowance For Credit Losses (Loans By Credit Quality Indicator) (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		$ 52,113	$ 53,402
Financing Receivable, Year One, Originated, Current Fiscal Year		6,148	9,268
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		9,632	8,160
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		6,790	4,120
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		3,329	2,992
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		2,200	1,960
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		4,098	3,961
Financing Receivable, Revolving		19,840	22,889
Financing Receivable, Revolving, Converted to Term Loan		76	52
Real estate construction
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		5,083	3,105
Commercial mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		13,686	13,306
Business loans \| Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		47,929	49,277
Financing Receivable, Year One, Originated, Current Fiscal Year		5,869	8,868
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		9,298	7,724
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		6,394	3,590
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		2,871	2,841
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		2,065	1,890
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		3,662	3,548
Financing Receivable, Revolving		17,755	20,806
Financing Receivable, Revolving, Converted to Term Loan		15	10
Business loans \| Commercial \| Domestic loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		27,251	30,909
Financing Receivable, Year One, Originated, Current Fiscal Year		3,190	4,021
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		3,182	3,783
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		2,298	998
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		635	1,110
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		669	643
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		1,108	1,108
Financing Receivable, Revolving		16,154	19,236
Financing Receivable, Revolving, Converted to Term Loan		15	10
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff		1
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		11
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		2
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		1
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		11
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff		12
Financing Receivable, Revolving, Writeoff		3
Financing Receivable, Revolving, Converted to Term Loan, Writeoff		1
Financing Receivable, Allowance for Credit Loss, Writeoff		42
Business loans \| Commercial \| Domestic loans \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	25,833	29,654
Financing Receivable, Year One, Originated, Current Fiscal Year	[1]	3,105	3,946
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	3,013	3,509
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[1]	2,072	917
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[1]	593	1,041
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[1]	610	598
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[1]	1,033	1,030
Financing Receivable, Revolving	[1]	15,394	18,604
Financing Receivable, Revolving, Converted to Term Loan	[1]	13	9
Business loans \| Commercial \| Domestic loans \| Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	1,418	1,255
Financing Receivable, Year One, Originated, Current Fiscal Year	[2]	85	75
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	169	274
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[2]	226	81
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[2]	42	69
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[2]	59	45
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[2]	75	78
Financing Receivable, Revolving	[2]	760	632
Financing Receivable, Revolving, Converted to Term Loan	[2]	2	1
Business loans \| Commercial \| International loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		1,102	1,197
Financing Receivable, Year One, Originated, Current Fiscal Year		301	329
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		170	161
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		96	58
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		35	88
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		76	22
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		8	24
Financing Receivable, Revolving		416	515
Financing Receivable, Revolving, Converted to Term Loan		0	0
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff		12
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff		1
Financing Receivable, Revolving, Writeoff		0
Financing Receivable, Revolving, Converted to Term Loan, Writeoff		0
Financing Receivable, Allowance for Credit Loss, Writeoff		13
Business loans \| Commercial \| International loans \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	1,071	1,152
Financing Receivable, Year One, Originated, Current Fiscal Year	[1]	286	317
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	168	161
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[1]	89	55
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[1]	35	88
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[1]	76	19
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[1]	2	14
Financing Receivable, Revolving	[1]	415	498
Financing Receivable, Revolving, Converted to Term Loan	[1]	0	0
Business loans \| Commercial \| International loans \| Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	31	45
Financing Receivable, Year One, Originated, Current Fiscal Year	[2]	15	12
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	2	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[2]	7	3
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[2]	0	3
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[2]	6	10
Financing Receivable, Revolving	[2]	1	17
Financing Receivable, Revolving, Converted to Term Loan	[2]	0	0
Business loans \| Commercial \| Real estate construction \| Domestic loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		5,083	3,105
Financing Receivable, Year One, Originated, Current Fiscal Year		505	836
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		2,258	1,134
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		1,615	636
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		331	162
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		50	102
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		36	28
Financing Receivable, Revolving		288	207
Financing Receivable, Revolving, Converted to Term Loan		0	0
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Revolving, Writeoff		0
Financing Receivable, Revolving, Converted to Term Loan, Writeoff		0
Financing Receivable, Allowance for Credit Loss, Writeoff		0
Business loans \| Commercial \| Real estate construction \| Domestic loans \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	4,985	3,102
Financing Receivable, Year One, Originated, Current Fiscal Year	[1]	503	836
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	2,205	1,134
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[1]	1,581	633
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[1]	329	162
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[1]	43	102
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[1]	36	28
Financing Receivable, Revolving	[1]	288	207
Financing Receivable, Revolving, Converted to Term Loan	[1]	0	0
Business loans \| Commercial \| Real estate construction \| Domestic loans \| Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	98	3
Financing Receivable, Year One, Originated, Current Fiscal Year	[2]	2	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	53	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[2]	34	3
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[2]	2	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[2]	7	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Revolving	[2]	0	0
Financing Receivable, Revolving, Converted to Term Loan	[2]	0	0
Business loans \| Commercial \| Real estate construction \| Domestic loans \| Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[3]	4,570	2,505
Business loans \| Commercial \| Real estate construction \| Domestic loans \| Other business lines
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[4]	513	600
Business loans \| Commercial \| Commercial mortgage \| Domestic loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		13,686	13,306
Financing Receivable, Year One, Originated, Current Fiscal Year		1,695	3,356
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		3,361	2,506
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		2,272	1,832
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		1,820	1,426
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		1,229	1,081
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		2,412	2,257
Financing Receivable, Revolving		897	848
Financing Receivable, Revolving, Converted to Term Loan		0	0
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		3
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff		1
Financing Receivable, Revolving, Writeoff		0
Financing Receivable, Revolving, Converted to Term Loan, Writeoff		0
Financing Receivable, Allowance for Credit Loss, Writeoff		4
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	12,913	13,139
Financing Receivable, Year One, Originated, Current Fiscal Year	[1]	1,680	3,349
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	3,129	2,501
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[1]	2,173	1,825
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[1]	1,786	1,394
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[1]	981	1,050
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[1]	2,271	2,182
Financing Receivable, Revolving	[1]	893	838
Financing Receivable, Revolving, Converted to Term Loan	[1]	0	0
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	773	167
Financing Receivable, Year One, Originated, Current Fiscal Year	[2]	15	7
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	232	5
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[2]	99	7
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[2]	34	32
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[2]	248	31
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[2]	141	75
Financing Receivable, Revolving	[2]	4	10
Financing Receivable, Revolving, Converted to Term Loan	[2]	0	0
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[3]	4,727	4,681
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Other business lines
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[4]	8,959	8,625
Business loans \| Commercial \| Lease financing \| Domestic loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		807	760
Financing Receivable, Year One, Originated, Current Fiscal Year		178	326
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		327	140
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		113	66
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		50	55
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		41	42
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		98	131
Financing Receivable, Revolving		0	0
Financing Receivable, Revolving, Converted to Term Loan		0	0
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Revolving, Writeoff		0
Financing Receivable, Revolving, Converted to Term Loan, Writeoff		0
Financing Receivable, Allowance for Credit Loss, Writeoff		0
Business loans \| Commercial \| Lease financing \| Domestic loans \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	777	734
Financing Receivable, Year One, Originated, Current Fiscal Year	[1]	173	316
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	319	140
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[1]	110	64
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[1]	47	47
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[1]	34	37
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[1]	94	130
Financing Receivable, Revolving	[1]	0	0
Financing Receivable, Revolving, Converted to Term Loan	[1]	0	0
Business loans \| Commercial \| Lease financing \| Domestic loans \| Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	30	26
Financing Receivable, Year One, Originated, Current Fiscal Year	[2]	5	10
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	8	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[2]	3	2
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[2]	3	8
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[2]	7	5
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[2]	4	1
Financing Receivable, Revolving	[2]	0	0
Financing Receivable, Revolving, Converted to Term Loan	[2]	0	0
Retail loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		4,184	4,125
Financing Receivable, Year One, Originated, Current Fiscal Year		279	400
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		334	436
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		396	530
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		458	151
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		135	70
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		436	413
Financing Receivable, Revolving		2,085	2,083
Financing Receivable, Revolving, Converted to Term Loan		61	42
Retail loans \| Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		1,889	1,814
Financing Receivable, Year One, Originated, Current Fiscal Year		256	331
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		296	398
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		374	480
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		450	142
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		131	69
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		382	394
Financing Receivable, Revolving		0	0
Financing Receivable, Revolving, Converted to Term Loan		0	0
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Revolving, Writeoff		0
Financing Receivable, Revolving, Converted to Term Loan, Writeoff		0
Financing Receivable, Allowance for Credit Loss, Writeoff		0
Retail loans \| Residential mortgage \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	1,864	1,761
Financing Receivable, Year One, Originated, Current Fiscal Year	[1]	254	327
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	296	398
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[1]	373	480
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[1]	450	133
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[1]	131	68
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[1]	360	355
Financing Receivable, Revolving	[1]	0	0
Financing Receivable, Revolving, Converted to Term Loan	[1]	0	0
Retail loans \| Residential mortgage \| Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	25	53
Financing Receivable, Year One, Originated, Current Fiscal Year	[2]	2	4
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[2]	1	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[2]	0	9
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[2]	0	1
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[2]	22	39
Financing Receivable, Revolving	[2]	0	0
Financing Receivable, Revolving, Converted to Term Loan	[2]	0	0
Retail loans \| Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		2,295	2,311
Financing Receivable, Year One, Originated, Current Fiscal Year		23	69
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		38	38
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		22	50
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		8	9
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		4	1
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		54	19
Financing Receivable, Revolving		2,085	2,083
Financing Receivable, Revolving, Converted to Term Loan		61	42
Retail loans \| Consumer \| Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		1,792	1,776
Financing Receivable, Year One, Originated, Current Fiscal Year		0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		8	9
Financing Receivable, Revolving		1,723	1,725
Financing Receivable, Revolving, Converted to Term Loan		61	42
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Revolving, Writeoff		2
Financing Receivable, Revolving, Converted to Term Loan, Writeoff		0
Financing Receivable, Allowance for Credit Loss, Writeoff		2
Retail loans \| Consumer \| Home equity \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	1,762	1,757
Financing Receivable, Year One, Originated, Current Fiscal Year	[1]	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[1]	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[1]	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[1]	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[1]	8	9
Financing Receivable, Revolving	[1]	1,695	1,708
Financing Receivable, Revolving, Converted to Term Loan	[1]	59	40
Retail loans \| Consumer \| Home equity \| Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	30	19
Financing Receivable, Year One, Originated, Current Fiscal Year	[2]	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Revolving	[2]	28	17
Financing Receivable, Revolving, Converted to Term Loan	[2]	2	2
Retail loans \| Consumer \| Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		503	535
Financing Receivable, Year One, Originated, Current Fiscal Year		23	69
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		38	38
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		22	50
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		8	9
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		4	1
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		46	10
Financing Receivable, Revolving		362	358
Financing Receivable, Revolving, Converted to Term Loan		0	0
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		1
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Revolving, Writeoff		0
Financing Receivable, Revolving, Converted to Term Loan, Writeoff		0
Financing Receivable, Allowance for Credit Loss, Writeoff		1
Retail loans \| Consumer \| Other consumer \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	503	531
Financing Receivable, Year One, Originated, Current Fiscal Year	[1]	23	69
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	38	38
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[1]	22	50
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[1]	8	8
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[1]	4	1
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[1]	46	10
Financing Receivable, Revolving	[1]	362	355
Financing Receivable, Revolving, Converted to Term Loan	[1]	0	0
Retail loans \| Consumer \| Other consumer \| Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	0	4
Financing Receivable, Year One, Originated, Current Fiscal Year	[2]	0	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	0	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	[2]	0	1
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Revolving	[2]	0	3
Financing Receivable, Revolving, Converted to Term Loan	[2]	$ 0	$ 0

[1] Includes all loans not included in the categories of special mention, substandard or nonaccrual. Primarily loans to real estate developers. Primarily loans secured by owner-occupied real estate.

Credit Quality And Allowance _6

Credit Quality And Allowance For Credit Losses (Changes In The Allowance For Loan Losses And Related Loan Amounts) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of period	$ 661	$ 618	$ 992
Provision for loan losses	89	60	(384)
Balance at end of period	$ 728	$ 661	$ 618
As a percentage of total loans	1.40%	1.24%	1.26%
Total allowance for loan losses	$ 728	$ 661	$ 618
Financing Receivable [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of period	610	588	948
Loan charge-offs	(62)	(68)	(70)
Recoveries on loans previously charged-off	40	51	80
Net loan (charge-offs) recoveries	(22)	(17)	10
Provision for loan losses	100	39	(370)
Balance at end of period	$ 688	$ 610	$ 588
As a percentage of total loans	1.32%	1.14%	1.19%
Total allowance for loan losses	$ 688	$ 610	$ 588
Unused Commitments to Extend Credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of period	51	30	44
Provision for loan losses	(11)	21	(14)
Balance at end of period	40	51	30
Total allowance for loan losses	40	51	30
Business loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of period	581	555	930
Provision for loan losses	91	44	(384)
Balance at end of period	$ 651	$ 581	$ 555
As a percentage of total loans	1.36%	1.18%	1.22%
Total allowance for loan losses	$ 651	$ 581	$ 555
Business loans \| Financing Receivable [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of period	541	531	895
Loan charge-offs	(59)	(65)	(67)
Recoveries on loans previously charged-off	38	47	76
Net loan (charge-offs) recoveries	(21)	(18)	9
Provision for loan losses	100	28	(373)
Balance at end of period	$ 620	$ 541	$ 531
As a percentage of total loans	1.29%	1.10%	1.17%
Total allowance for loan losses	$ 620	$ 541	$ 531
Business loans \| Unused Commitments to Extend Credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of period	40	24	35
Provision for loan losses	(9)	16	(11)
Balance at end of period	31	40	24
Total allowance for loan losses	31	40	24
Retail loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of period	80	63	62
Provision for loan losses	(2)	16	0
Balance at end of period	$ 77	$ 80	$ 63
As a percentage of total loans	1.85%	1.96%	1.63%
Total allowance for loan losses	$ 77	$ 80	$ 63
Retail loans \| Financing Receivable [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of period	69	57	53
Loan charge-offs	(3)	(3)	(3)
Recoveries on loans previously charged-off	2	4	4
Net loan (charge-offs) recoveries	(1)	1	1
Provision for loan losses	0	11	3
Balance at end of period	$ 68	$ 69	$ 57
As a percentage of total loans	1.63%	1.67%	1.47%
Total allowance for loan losses	$ 68	$ 69	$ 57
Retail loans \| Unused Commitments to Extend Credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance at beginning of period	11	6	9
Provision for loan losses	(2)	5	(3)
Balance at end of period	9	11	6
Total allowance for loan losses	$ 9	$ 11	$ 6

Credit Quality And Allowance _7

Credit Quality And Allowance For Credit Losses (Nonaccrual Loans) (Details) - USD ($) $ in Millions		Dec. 31, 2023		Dec. 31, 2022
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		$ 109		$ 140
Nonaccrual Loans with Related Allowance		69		100
Total Nonaccrual Loans		178		240
Business loans \| Commercial
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		69		71
Nonaccrual Loans with Related Allowance		69		100
Total Nonaccrual Loans		138		171
Business loans \| Commercial \| Domestic loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		47		64
Nonaccrual Loans with Related Allowance		28		78
Total Nonaccrual Loans		75		142
Business loans \| Commercial \| International
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		3		3
Nonaccrual Loans with Related Allowance		17		0
Total Nonaccrual Loans		20		3
Retail loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		40		69
Nonaccrual Loans with Related Allowance		0		0
Total Nonaccrual Loans		40		69
Retail loans \| Consumer
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		21		16
Nonaccrual Loans with Related Allowance		0		0
Total Nonaccrual Loans		21		16
Real estate construction \| Business loans \| Commercial \| Domestic loans
Financing Receivable, Impaired [Line Items]
Total Nonaccrual Loans		2		3
Real estate construction \| Commercial \| Business loans \| Commercial \| Domestic loans
Financing Receivable, Impaired [Line Items]
Total Nonaccrual Loans		0	[1]	0
Real estate construction \| Other business lines \| Business loans \| Commercial \| Domestic loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		2		0
Nonaccrual Loans with Related Allowance		0		3
Total Nonaccrual Loans		2		3
Commercial mortgage \| Business loans \| Commercial \| Domestic loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		17		4
Nonaccrual Loans with Related Allowance		24		19
Total Nonaccrual Loans		41		23
Commercial mortgage \| Commercial \| Business loans \| Commercial \| Domestic loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		0		0
Nonaccrual Loans with Related Allowance		18		1
Total Nonaccrual Loans	[2]	18		1
Commercial mortgage \| Other business lines \| Business loans \| Commercial \| Domestic loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		17		4
Nonaccrual Loans with Related Allowance		6		18
Total Nonaccrual Loans		23		22
Residential mortgage \| Retail loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		19		53
Nonaccrual Loans with Related Allowance		0		0
Total Nonaccrual Loans		19		53
Home equity \| Retail loans \| Consumer
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		21		15
Nonaccrual Loans with Related Allowance		0		0
Total Nonaccrual Loans		$ 21		15
Other Consumer \| Retail loans \| Consumer
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance				1
Nonaccrual Loans with Related Allowance				0
Total Nonaccrual Loans				$ 1

[1] Primarily loans to real estate developers. Primarily loans secured by owner-occupied real estate.

Credit Quality And Allowance _8

Credit Quality And Allowance For Credit Losses (Loan Modifications Made to Borrowers Experiencing Financial Difficulty) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 162
Percent of Total Class	0.31%
Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 118
Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	20
Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	11
Other Modifications
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	13
Business loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 159
Percent of Total Class	0.33%
Business loans \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 117
Business loans \| Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	20
Business loans \| Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	10
Business loans \| Other Modifications
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	12
Business loans \| Commercial \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 124
Percent of Total Class	0.46%
Business loans \| Commercial \| Commercial mortgage \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 25
Percent of Total Class	0.18%
Business loans \| Commercial \| Commercial mortgage \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 25
Percent of Total Class	0.28%
Business loans \| Commercial \| Real estate construction \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 10
Percent of Total Class	0.19%
Business loans \| Commercial \| Real estate construction \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 10
Percent of Total Class	1.92%
Business loans \| Commercial \| Term Extension \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 92
Business loans \| Commercial \| Term Extension \| Commercial mortgage \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	15
Business loans \| Commercial \| Term Extension \| Commercial mortgage \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	15
Business loans \| Commercial \| Term Extension \| Real estate construction \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	10
Business loans \| Commercial \| Term Extension \| Real estate construction \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	10
Business loans \| Commercial \| Payment Delay \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	20
Business loans \| Commercial \| Payment Delay \| Commercial mortgage \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans \| Commercial \| Payment Delay \| Commercial mortgage \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans \| Commercial \| Payment Delay \| Real estate construction \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans \| Commercial \| Payment Delay \| Real estate construction \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans \| Commercial \| Interest Rate Reductions \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	10
Business loans \| Commercial \| Interest Rate Reductions \| Commercial mortgage \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans \| Commercial \| Interest Rate Reductions \| Commercial mortgage \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans \| Commercial \| Interest Rate Reductions \| Real estate construction \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans \| Commercial \| Interest Rate Reductions \| Real estate construction \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans \| Commercial \| Other Modifications \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	2
Business loans \| Commercial \| Other Modifications \| Commercial mortgage \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	10
Business loans \| Commercial \| Other Modifications \| Commercial mortgage \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	10
Business loans \| Commercial \| Other Modifications \| Real estate construction \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans \| Commercial \| Other Modifications \| Real estate construction \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Retail loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 3
Percent of Total Class	0.07%
Retail loans \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 1
Retail loans \| Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Retail loans \| Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1
Retail loans \| Other Modifications
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1
Retail loans \| Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 3
Percent of Total Class	0.13%
Retail loans \| Consumer \| Home equity \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 3
Percent of Total Class	0.16%
Retail loans \| Consumer \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 1
Retail loans \| Consumer \| Term Extension \| Home equity \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1
Retail loans \| Consumer \| Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Retail loans \| Consumer \| Payment Delay \| Home equity \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Retail loans \| Consumer \| Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1
Retail loans \| Consumer \| Interest Rate Reductions \| Home equity \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1
Retail loans \| Consumer \| Other Modifications
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1
Retail loans \| Consumer \| Other Modifications \| Home equity \| Other business lines \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 1

Credit Quality And Allowance _9

Credit Quality And Allowance For Credit Losses (Financial Effect of Loan Modifications) (Details)	12 Months Ended
	Dec. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension (in months)	1 year 1 month 3 days
Weighted-Average Interest Rate Reduction	(1.49%)
Business loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension (in months)	11 months 21 days
Weighted-Average Interest Rate Reduction	(1.35%)
Business loans \| Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension (in months)	10 months 12 days
Weighted-Average Interest Rate Reduction	(2.01%)
Retail loans \| Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension (in months)	12 years 1 month 12 days
Weighted-Average Interest Rate Reduction	(3.01%)
Real estate construction \| Business loans \| Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension (in months)	9 months 9 days
Real estate construction \| Business loans \| Commercial \| Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension (in months)	9 months 9 days
Commercial mortgage \| Business loans \| Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension (in months)	1 year 5 months 18 days
Weighted-Average Interest Rate Reduction	(0.68%)
Commercial mortgage \| Business loans \| Commercial \| Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension (in months)	1 year 5 months 18 days
Weighted-Average Interest Rate Reduction	(0.68%)
Home equity \| Retail loans \| Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension (in months)	12 years 1 month 12 days
Weighted-Average Interest Rate Reduction	(3.01%)
Consumer \| Retail loans \| Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension (in months)	12 years 1 month 12 days
Weighted-Average Interest Rate Reduction	(3.01%)

Credit Quality And Allowance_10

Credit Quality And Allowance For Credit Losses (Troubled Debt Restructurings) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	$ 73
Business loans \| Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	43
Business loans \| Commercial \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	26
Business loans \| Commercial \| Real estate construction \| Domestic loans \| Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	3
Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	14	[1]
Retail loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	30
Retail loans \| Residential mortgage \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	27
Retail loans \| Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	3
Retail loans \| Consumer \| Home equity \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	2	[2]
Retail loans \| Consumer \| Consumer \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	1
Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	44	[3]
Payment Delay \| Business loans \| Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	43	[3]
Payment Delay \| Business loans \| Commercial \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	26
Payment Delay \| Business loans \| Commercial \| Real estate construction \| Domestic loans \| Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	3
Payment Delay \| Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	14
Payment Delay \| Retail loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	1
Payment Delay \| Retail loans \| Residential mortgage \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	0
Payment Delay \| Retail loans \| Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	1
Payment Delay \| Retail loans \| Consumer \| Home equity \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	1
Payment Delay \| Retail loans \| Consumer \| Consumer \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	0
Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	29
Interest Rate Reductions \| Business loans \| Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	0
Interest Rate Reductions \| Business loans \| Commercial \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	0
Interest Rate Reductions \| Business loans \| Commercial \| Real estate construction \| Domestic loans \| Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	0
Interest Rate Reductions \| Business loans \| Commercial \| Commercial mortgage \| Domestic loans \| Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	0
Interest Rate Reductions \| Retail loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	29
Interest Rate Reductions \| Retail loans \| Residential mortgage \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	27
Interest Rate Reductions \| Retail loans \| Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	2
Interest Rate Reductions \| Retail loans \| Consumer \| Home equity \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	1
Interest Rate Reductions \| Retail loans \| Consumer \| Consumer \| Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded balance of troubled debt restructuring modified during the period	$ 1

[1].[2].[3] Primarily represents loan balances where terms were extended by more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. Also includes commercial loans restructured in bankruptcy.

Significant Group Concentrati_3

Significant Group Concentrations of Credit Risk Significant Group Concentrations of Credit Risk (Schedule of Automotive Industry Outstanding Loans and Total Exposure) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Concentration Risk [Line Items]
Total automotive loans	$ 7,039	$ 6,435
Total automotive exposure	$ 12,162	12,938
Concentration risk threshold - Commercial Real Estate	36%
Automotive Production
Concentration Risk [Line Items]
Total automotive exposure	$ 1,744	2,028
Automotive Dealer
Concentration Risk [Line Items]
Total automotive loans	6,191	5,367
Total automotive exposure	$ 10,418	$ 10,910

Significant Group Concentrati_4

Significant Group Concentrations of Credit Risk Significant Group Concentrations of Credit Risk (Commercial Real Estate Exposure) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 52,113	$ 53,402
Loans, average	$ 53,903	50,460	$ 49,083
Concentration risk threshold - Auto	14%
Real estate construction loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 5,083	3,105
Commercial mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	13,686	13,306
Total commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	18,769	16,411
Total unused commitments	4,382	6,602
Commercial Real Estate business line \| Real estate construction loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	4,570	2,505
Commercial Real Estate business line \| Commercial mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	4,727	4,681
Other Business Lines Member \| Real estate construction loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	513	600
Other Business Lines Member \| Commercial mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 8,959	$ 8,625

Premises and Equipment (Narrati

Premises and Equipment (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Premises and Equipment [Abstract]
Capitalized Computer Software, Amortization	$ 26	$ 25	$ 33
Capitalized Computer Software, Unamoritize	$ 106	$ 83

Premises and Equipment Summary

Premises and Equipment Summary of Premises and Equipment (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Line Items]
Land	$ 81	$ 81
Buildings and improvements	768	737
Furniture and equipment	536	518
Total cost	1,385	1,336
Less: Accumulated depreciation and amortization	(940)	(936)
Premises and equipment	$ 445	$ 400

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets Goodwill and Intangible Assets (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Core deposit intangible
Amortization expense of core deposit intangible	$ 0	$ 0

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets Goodwill and Intangible Assets (Summary of Changes in Carrying Value of Goodwill) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Goodwill [Line Items]
Balance	$ 635	$ 635
Commercial Bank
Goodwill [Line Items]
Balance	473	473
Retail Bank
Goodwill [Line Items]
Balance	101	101
Wealth Management
Goodwill [Line Items]
Balance	$ 61	$ 61

Derivative And Credit-Related_3

Derivative And Credit-Related Financial Instruments (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Cash received as collateral for derivative assets	$ 143,000,000
Fair value of securities pledged as collateral for derivative assets	4,000,000
Cash posted as collateral for derivative liabilities	14,000,000
Net cash flow hedge income (loss) included in interest and fees on loans	(602,000,000)	$ (25,000,000)	$ 95,000,000
De-designated interest swaps	7,000,000,000
Swap Settlements	29,000,000
Price alignment income	51,000,000	8,000,000
Allowance for credit losses on lending-related commitments	40,000,000	51,000,000
Allowance for credit losses on lending-related commitments, amount related to standby and commercial letters of credit	$ 38,000,000	44,000,000
Final year of expiration for outstanding letters of credit	2033
Risk participation agreements covering standby and commercial letters of credit	$ 85,000,000	107,000,000
Net gain on open foreign currency positions	0
Standby and commercial letters of credit outstanding	3,600,000,000	3,800,000,000
Carrying value of standby and commercial letters of credit included in accrued expenses and other liabilities	34,000,000	35,000,000
Deferred fees on standby and commercial letters of credit included in accrued expenses and other liabilities	32,000,000	28,000,000
Allowance for credit losses on lending-related commitments, unused commitments to extend credit	2,000,000	7,000,000
Notional Amount of Derivative Credit Risk Participation Agreements	1,000,000,000	951,000,000
Maximum estimated exposure to credit risk participation agreements assuming 100% default	$ 1,874,123	$ 158,590.98000000
Weighted average remaining maturity of credit risk participation agreements, in years	4 years 1 month 6 days

Derivative And Credit-Related_4

Derivative And Credit-Related Financial Instruments (Schedule Of Derivative Instruments) (Details) - USD ($) $ in Millions		Dec. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	[1]	$ 70,737	$ 67,665
Fair Value of Gross Derivative Assets		1,019	1,279
Fair Value of Gross Derivative Liabilities		1,206	1,695
Derivative assets, Netting adjustment - Offsetting derivative liabilities		(311)	(644)
Derivative liabilities, Netting adjustment - Offsetting derivative assets		(311)	(644)
Derivative assets, Netting adjustment - Cash collateral received		(143)	(180)
Derivative liabilities, Netting adjustment - Cash collateral posted		(13)	(4)
Derivative Asset, Subject to Master Netting Arrangement, after Offset	[2]	565	455
Derivative Liability, Subject to Master Netting Arrangement, after Offset	[2]	882	1,047
Derivative assets, securities pledged as collateral		(501)	(70)
Derivative liabilities, securities pledged as collateral		(4)	(202)
Net derivative assets after deducting amounts not offset in the consolidated balance sheets		64	385
Net derivative liabilities after deducting amounts not offset in the consolidated balance sheets		878	845
Risk management purposes
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	[1]	31,710	30,142
Fair Value of Gross Derivative Assets		1	1
Fair Value of Gross Derivative Liabilities		11	53
Risk management purposes \| Derivatives designated as hedging instruments \| Swaps - fair value - receive fixed/pay floating \| Interest rate swap
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		6,300	3,150
Fair Value of Gross Derivative Assets		0	0
Fair Value of Gross Derivative Liabilities		0	0
Risk management purposes \| Derivatives designated as hedging instruments \| Swaps - cash flow - receive fixed/pay floating rate \| Interest rate swap
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		24,850	26,600
Fair Value of Gross Derivative Assets		0	0
Fair Value of Gross Derivative Liabilities		8	50
Risk management purposes \| Derivatives used as economic hedges \| Foreign exchange spot, forwards and swaps
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		560	392
Fair Value of Gross Derivative Assets		1	1
Fair Value of Gross Derivative Liabilities		3	3
Customer-initiated and other activities
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	[1]	39,027	37,523
Fair Value of Gross Derivative Assets		1,018	1,278
Fair Value of Gross Derivative Liabilities		1,195	1,642
Customer-initiated and other activities \| Interest rate contracts
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	[1]	22,470	20,298
Fair Value of Gross Derivative Assets		225	206
Fair Value of Gross Derivative Liabilities		427	594
Customer-initiated and other activities \| Interest rate caps and floors written
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		1,577	924
Fair Value of Gross Derivative Assets		0	0
Fair Value of Gross Derivative Liabilities		18	25
Customer-initiated and other activities \| Interest rate caps and floors purchased
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		1,577	924
Fair Value of Gross Derivative Assets		18	25
Fair Value of Gross Derivative Liabilities		0	0
Customer-initiated and other activities \| Interest rate swap
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		19,316	18,450
Fair Value of Gross Derivative Assets		207	181
Fair Value of Gross Derivative Liabilities		409	569
Customer-initiated and other activities \| Energy contracts
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	[1]	13,806	14,521
Fair Value of Gross Derivative Assets		758	1,020
Fair Value of Gross Derivative Liabilities		736	1,006
Customer-initiated and other activities \| Energy caps and floors written
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		3,719	4,051
Fair Value of Gross Derivative Assets		3	0
Fair Value of Gross Derivative Liabilities		291	430
Customer-initiated and other activities \| Energy caps and floors purchased
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		3,719	4,051
Fair Value of Gross Derivative Assets		292	431
Fair Value of Gross Derivative Liabilities		3	0
Customer-initiated and other activities \| Energy swaps
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		6,368	6,419
Fair Value of Gross Derivative Assets		463	589
Fair Value of Gross Derivative Liabilities		442	576
Customer-initiated and other activities \| Foreign exchange spot, options and swaps
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		2,751	2,704
Fair Value of Gross Derivative Assets		35	52
Fair Value of Gross Derivative Liabilities		$ 32	$ 42

[1] Notional or contractual amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected on the Consolidated Balance Sheets. (b) December 31, 2023 included $2.0 billion of forward starting swaps that will become effective on their contractual start dates in 2024. Net derivative assets are included in accrued income and other assets and net derivative liabilities are included in accrued expenses and other liabilities on the Consolidated Balance Sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and credit risk of the Corporation. The fair value of net derivative assets included credit valuation adjustments for counterparty credit risk of $3 million and $2 million at December 31, 2023 and 2022, respectively.

Derivative And Credit-Related_5

Derivative And Credit-Related Financial Instruments Derivative And Credit-Related Financial Instruments (Schedule of Effects of Fair Value Hedging on the Consolidated Statements of Comprehensive Income) (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement [Line Items]
Interest on medium- and long-term debt	[1]	$ 378	$ 87	$ 35
Swaps - fair value - receive fixed/pay floating \| Risk management purposes \| Interest Rate Swap [Member]
Statement [Line Items]
Interest rate contract: Hedged items interest expense		265	112	102
Interest rate contracts: Derivatives designated as hedging instruments net interest income		$ 113	$ (25)	$ (68)

[1] Includes the effects of hedging.

Derivative And Credit-Related_6

Derivative And Credit-Related Financial Instruments (Schedule Of Weighted Average Maturity And Interest Rates On Risk Management Interest Rate Swaps) (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022
Derivative, Notional Amount	[1]	$ 70,737	$ 67,665
Risk management purposes
Derivative, Notional Amount	[1]	$ 31,710	$ 30,142
Variable rate loans \| Swaps - cash flow - receive fixed/pay floating rate \| Risk management purposes \| Cash flow swap
Weighted Average Remaining Maturity		3 years 10 months 24 days
Variable rate loans \| Swaps - cash flow - receive fixed/pay floating rate \| Risk Management Derivatives Member \| Interest rate swap
Weighted Average Receive Rate		2.43%	2.35%
Weighted Average Pay Rate	[2]	5.38%	4.07%
Medium- and long-term debt \| Swaps - fair value - receive fixed/pay floating \| Risk management purposes \| Interest rate swap
Weighted Average Remaining Maturity		3 years 1 month 6 days	3 years 10 months 24 days
Medium- and long-term debt \| Swaps - fair value - receive fixed/pay floating \| Risk Management Derivatives Member \| Interest rate swap
Carrying Value of Hedged Item	[3]	$ 6,206	$ 3,024
Weighted Average Receive Rate		3.67%	3.52%
Weighted Average Pay Rate	[4]	5.74%	4.90%

[1] Notional or contractual amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected on the Consolidated Balance Sheets. (b) December 31, 2023 included $2.0 billion of forward starting swaps that will become effective on their contractual start dates in 2024. Variable rates paid on receive fixed swaps designated as cash flow hedges were based on BSBY or SOFR rates in effect at December 31, 2023 and LIBOR, BSBY or SOFR rates in effect at December 31, 2022. Included $(93) million and $(124) million of cumulative hedging adjustments at December 31, 2023 and 2022, respectively, which included $3 million and $4 million, respectively, of hedging adjustment on a discontinued hedging relationship. Floating rates paid on receive fixed swaps designated as fair value hedges were based on SOFR rates in effect at December 31, 2023 and SOFR and LIBOR rates in effect at December 31, 2022.

Derivative And Credit-Related_7

Derivative And Credit-Related Financial Instruments (Schedule Of Net Gains Recognized In Income On Customer-Initiated Derivatives) (Details) - Customer-initiated and other activities - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Net gains recognized in income on customer-initiated derivative instruments	$ 98	$ 109	$ 99
Interest rate contracts
Derivative Instruments, Gain (Loss) [Line Items]
Net gains recognized in income on customer-initiated derivative instruments	22	34	36
Energy Related Derivative [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Net gains recognized in income on customer-initiated derivative instruments	25	28	18
Foreign exchange contracts
Derivative Instruments, Gain (Loss) [Line Items]
Net gains recognized in income on customer-initiated derivative instruments	$ 51	$ 47	$ 45

Derivative And Credit-Related_8

Derivative And Credit-Related Financial Instruments (Schedule Of Financial Instruments With Off-Balance Sheet Credit Risk) (Details) - Maximum - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Unused Commitments to Extend Credit
Loss contingency, estimate of possible loss, maximum	$ 31,385	$ 34,817
Commercial And Other \| Unused Commitments to Extend Credit
Loss contingency, estimate of possible loss, maximum	27,303	30,800
Bankcard, Revolving Check Credit And Home Equity Loan Commitments \| Unused Commitments to Extend Credit
Loss contingency, estimate of possible loss, maximum	4,082	4,017
Standby Letters Of Credit
Loss contingency, estimate of possible loss, maximum	3,586	3,712
Commercial Letters Of Credit
Loss contingency, estimate of possible loss, maximum	$ 48	$ 39

Derivative And Credit-Related_9

Derivative And Credit-Related Financial Instruments (Summary Of Criticized Letters Of Credit) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Total criticized standby and commercial letters of credit	$ 50	$ 37
As a percentage of total outstanding standby and commercial letters of credit	1.40%	1%

Variable Interest Entities (V_3

Variable Interest Entities (VIEs) (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Variable Interest Entity [Line Items]
Unfunded commitments to fund tax credit entities	$ 231
Amount of financial or other support not contractually required provided by the Corporation to VIEs	0	$ 0
Low Income Housing Tax Credit Entities
Variable Interest Entity [Line Items]
Exposure to loss as a result of involvement with VIEs	500
Other Tax Credit Entities
Variable Interest Entity [Line Items]
Exposure to loss as a result of involvement with VIEs	$ 29

Variable Interest Entities (V_4

Variable Interest Entities (VIEs) (Impact Of VIEs On The Consolidated Statements Of Comprehensive Income) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Variable Interest Entity [Line Items]
Other noninterest income	$ 83	$ 31	$ 88
Provision for income taxes	263	325	322
Variable Interest Entity
Variable Interest Entity [Line Items]
Other noninterest income	(4)	0	1
Provision for income taxes	(17)	(14)	(14)
Low income housing tax credits \| Variable Interest Entity
Variable Interest Entity [Line Items]
Provision for income taxes, amortization of LIHTC investments	69	72	71
Provision for income taxes, affordable housing tax credits and other tax benefits	(65)	(68)	(68)
Other tax benefits related to tax credit entities \| Variable Interest Entity
Variable Interest Entity [Line Items]
Provision for income taxes, affordable housing tax credits and other tax benefits	$ (21)	$ (18)	$ (17)

Deposits Deposits (Narrative) (

Deposits Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
Domestic certificates of deposit of $250,000 or more	$ 1,300	$ 478
Foreign office time deposits in denominations of $250,000 or more	13	51
Foreign Time Deposits $250,000 or More	$ 13	$ 51

Deposits Deposits (Schedule of

Deposits Deposits (Schedule of Maturities of Certificates of Deposit and Other Deposits with a Stated Maturity) (Details) $ in Millions	Dec. 31, 2023 USD ($)
Deposits [Abstract]
2024	$ 8,177
2025	67
2026	21
2027	12
2028	6
Thereafter	3
Total	$ 8,286

Deposits Deposits (Schedule o_2

Deposits Deposits (Schedule of Maturities of Domestic Deposits of One Hundred Thousand or More) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Three Months or Less	$ 1,083	$ 220
Over three months to six months	1,052	136
Over six months to twelve months	359	590
Over twelve months	32	49
Domestic certificates of deposit and other deposits
Total	$ 2,526	$ 995

Short-term Borrowings Short-t_2

Short-term Borrowings Short-term Borrowings (Narrative) (Details) $ in Millions	Dec. 31, 2023 USD ($)
Short-Term Debt [Abstract]
Pledged to the FHLB as collateral for potential future borrowings - real estate related loans	$ 21,900
Pledged to the FHLB as collateral for potential future borrowings - investment securities	6,600
Collateralized Borrowing with the FHLB	17,100
Pledged loans to provide collateralized borrowing with the FRB	24,600
Line of Credit Facility, Remaining Borrowing Capacity	9,500
Pledged investment securities to provide collateralized borrowing with the FRB	7,700
Discount Window, Line of Credit Facility, Current Borrowing Capacity	21,000
BTFP, Line of Credit Facility, Current Borrowing Capacity	9,300
Available collateralized borrowing with the FRB	30,300
Short Term Advances	$ 3,600

Short-term Borrowings Short-t_3

Short-term Borrowings Short-term Borrowings (Summary of Short-term Borrowings) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Amount outstanding at year-end	$ 3,565	$ 3,211
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase
Short-term Debt [Line Items]
Amount outstanding at year-end	$ 15	$ 11	$ 0
Weighted average interest rate at year-end	5.30%	4.32%	0%
Maximum month-end balance during the year	$ 19	$ 1,106	$ 2
Average balance outstanding during the year	$ 29	$ 82	$ 2
Weighted average interest rate during the year	4.77%	3.28%	0.06%
Other Short-term Borrowings
Short-term Debt [Line Items]
Amount outstanding at year-end	$ 3,550	$ 3,200	$ 0
Weighted average interest rate at year-end	5.74%	4.54%	0%
Maximum month-end balance during the year	$ 11,000	$ 3,200	$ 0
Average balance outstanding during the year	$ 7,189	$ 354	$ 0
Weighted average interest rate during the year	5.41%	4.08%	0%

Medium- And Long-Term Debt (Nar

Medium- And Long-Term Debt (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Debt Disclosure [Abstract]
Floating-rate FHLB advances	$ 4,000
Fair Value Fixed-to-Floating Rate Swap	3.79%
Unamortized debt issuance costs	$ 6	$ 9

Medium- And Long-Term Debt (Sch

Medium- And Long-Term Debt (Schedule Of Medium- And Long-Term Debt) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Medium- and long-term notes	$ 523	$ 1,356
Total Federal Home Loan Bank advances	4,000
Medium- and long-term debt	6,206	3,024
Parent company
Debt Instrument [Line Items]
Medium- and long-term debt	764	1,593
Subsidiaries
Debt Instrument [Line Items]
Subordinated notes	965	955
Medium- and long-term notes	489	476
Total Federal Home Loan Bank advances	3,988	0
Medium- and long-term debt	5,442	1,431
3.80% subordinated notes due 2026 \| Parent company
Debt Instrument [Line Items]
Subordinated notes	$ 241	237
Stated interest rate	3.80%
Maturity Year	2026
3.70% notes due 2023 \| Parent company
Debt Instrument [Line Items]
Medium- and long-term notes	$ 0	841
Stated interest rate	3.70%
Maturity Year	2023
4.00% notes due 2029 \| Parent company
Debt Instrument [Line Items]
Medium- and long-term notes	$ 523	515
Stated interest rate	4%
Maturity Year	2029
4.00% Subordinated Notes Due 2025 \| Subsidiaries
Debt Instrument [Line Items]
Subordinated notes	$ 337	331
Stated interest rate	4%
Maturity Year	2025
7.875% Subordinated Note Due 2026 \| Subsidiaries
Debt Instrument [Line Items]
Subordinated notes	$ 162	165
Stated interest rate	7.875%
Maturity Year	2026
5.332% Subordinated Note Due 2033 \| Subsidiaries
Debt Instrument [Line Items]
Subordinated notes	$ 466	459
Stated interest rate	5.332%
Maturity Year	2033
2.50% notes due 2024 \| Subsidiaries
Debt Instrument [Line Items]
Medium- and long-term notes	$ 489	476
Stated interest rate	2.50%
Maturity Year	2024
5.07% Advance Due 2025 \| Subsidiaries
Debt Instrument [Line Items]
Total Federal Home Loan Bank advances	$ 995	0
Stated interest rate	5.07%
Maturity Year	2025
4.79% Advance Due 2026 \| Subsidiaries
Debt Instrument [Line Items]
Total Federal Home Loan Bank advances	$ 997	0
Stated interest rate	4.79%
Maturity Year	2026
4.49% Advance Due 2027 \| Subsidiaries
Debt Instrument [Line Items]
Total Federal Home Loan Bank advances	$ 999	0
Stated interest rate	4.49%
Maturity Year	2027
4.49% Advance Due 2028 \| Subsidiaries
Debt Instrument [Line Items]
Total Federal Home Loan Bank advances	$ 997	$ 0
Stated interest rate	4.49%
Maturity Year	2028

Medium- And Long-Term Debt Sche

Medium- And Long-Term Debt Schedule of Maturities of Medium- and Long-term Debt (Details) $ in Millions	Dec. 31, 2023 USD ($)
Debt Disclosure [Abstract]
2024	$ 500
2025	1,350
2026	1,400
2027	1,000
2028	1,000
Thereafter	1,050
Total	$ 6,300

Shareholders' Equity Shareholde

Shareholders' Equity Shareholders' Equity (Narrative) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2023
Shares repurchased under equity repurchase program	377
Depository Shares, Issued			400
Preferred Stock, Dividend Rate, Percentage			5.625%
Preferred Stock, Liquidation Preference, Value			$ 100
Preferred Stock, Liquidation Preference Per Share			$ 1,000
Proceeds from Issuance of Preferred Stock, Preference Stock, and Warrants			$ 400,000
Stock and Warrants Issued During Period, Value, Preferred Stock and Warrants			$ 394,000
Stock Option
Common stock shares reserved for future issuance				4,300
Common Stock
Shares repurchased under equity repurchase program	400	9,500
Equity Repurchase Program \| Common Stock
Shares repurchased under equity repurchase program		9,500
Average cost per share of shares repurchased under equity repurchase program	$ 92.61	$ 75.82

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Schedule Of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance at beginning of period, net of tax	$ (2,319)	$ (99)	$ 211
Net unrealized gains (losses) arising during the period	361	(2,903)	(406)
Investment Securities, Less: Provision (benefit) for income taxes	85	(683)	(96)
Investment securities, Change in net unrealized losses on investment securities, net of tax	276	(2,220)	(310)
Balance at end of period, net of tax	(2,043)	(2,319)	(99)
Cash Flow Hedges, Balance at beginning of period, net of tax	(942)	55	155
Gain (Loss) on Cash Flow Hedge Ineffectiveness, Net	34	(1,329)	(35)
Reclassification of loss related to de-designation of derivatives to other noninterest income	(195)	0	0
Cash flow hedges, Less: Benefit for income taxes	(38)	(313)	(8)
Change in net cash flow hedge (losses) gains arising during the period, net of tax	(123)	(1,016)	(27)
Net cash flow hedge (losses) gains recognized in interest and fees on loans before taxes	(576)	(25)	95
Amortization of unrealized losses related to de-designated derivatives	(26)	0	0
Benefit plans, Less: (Benefit) provision for income taxes	(142)	(6)	22
Reclassification adjustment for net cash flow hedge (losses) gains included in net income, net of tax	(460)	(19)	73
Change in net cash flow hedges gains, net of tax	337	(997)	(100)
Cash Flow Hedges, Balance at end of period, net of tax	(605)	(942)	55
Benefit plans, Balance at beginning of period, net of tax	(481)	(168)	(302)
Benefit plans, Actuarial gain (loss) arising during the period	96	(415)	159
Other Comprehensive (Income) Loss, Defined Benefit Plan, Prior Service Cost (Credit), before Tax	0	0	1
Benefit plans, Actuarial loss arising during the period	96	(415)	160
Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, Tax	25	(98)	38
Benefit plans, Net defined benefit pension and other postretirement adjustment arising during the period, net of tax	71	(317)	122
Benefit plans, Amortization of actuarial net loss	36	28	40
Benefit plans, Amortization of prior service (credit) cost	(23)	(23)	(25)
Benefit plans, Total amounts recognized in employee benefits expense	13	5	15
Benefit plans, Less: Provision for income taxes	3	1	3
Benefit plans, Adjustment for amounts recognized as components of net periodic benefit cost during the period, net of tax	10	4	12
Benefit plans, Change in defined benefit pension and other postretirement plans adjustment, net of tax	81	(313)	134
Benefit plans, Balance at end of period, net of tax	(400)	(481)	(168)
Total accumulated other comprehensive loss at end of period, net of tax	$ (3,048)	$ (3,742)	$ (212)

Net Income Per Common Share (Ba

Net Income Per Common Share (Basic And Diluted Net Income Per Common Share) (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Earnings Per Share [Abstract]
Net income	$ 881	$ 1,151	$ 1,168
Less income allocated to participating securities	4	6	5
Preferred stock dividends	23	23	23
Net income attributable to common shares	$ 854	$ 1,122	$ 1,140
Basic average common shares	132	131	135
Basic net income per common share	$ 6.47	$ 8.56	$ 8.45
Net effect of the assumed exercise of stock awards	1	2	2
Diluted average common shares	133	133	137
Diluted net income per common share	$ 6.44	$ 8.47	$ 8.35

Net Income Per Common Share (Sc

Net Income Per Common Share (Schedule of Average Shares Excluded From Diluted Net Income Per Common Share Computation) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options excluded because exercise prices were greater than average market price of shares	1,631,000	543,000	438,000
Stock Options \| Minimum
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Range of exercise prices	$ 49.20	$ 70.18	$ 79.01
Stock Options \| Maximum
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Range of exercise prices	$ 95.25	$ 95.25	$ 95.25

Share-Based Compensation Shar_2

Share-Based Compensation Share-Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Number of shares originally available for grant	7,700
Shares available for grant	3,700
Closing stock price per share	$ 55.81
Total intrinsic value of stock options exercised	$ 4	$ 17	$ 29
Restricted Stock
Total fair value of restricted stock awards that fully vested		4	8
Restricted Stock \| Minimum
Share-based compensation vesting period	1 year
Restricted Stock \| Maximum
Share-based compensation vesting period	5 years
Restricted Stock Units (RSUs)
Total fair value of restricted stock awards that fully vested	$ 52	$ 19	$ 21
Restricted Stock Units (RSUs) \| Minimum
Share-based compensation vesting period	3 years
Restricted Stock Units (RSUs) \| Maximum
Share-based compensation vesting period	5 years
Stock Options \| Minimum
Share-based compensation vesting period	1 year
Stock Options \| Maximum
Share-based compensation vesting period	4 years

Share-Based Compensation (Summa

Share-Based Compensation (Summary of Components of Share-Based Compensation Expense) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Total share-based compensation expense	$ 52	$ 60	$ 41
Related tax benefits recognized in net income	$ 12	$ 14	$ 10

Share-Based Compensation (Unrec

Share-Based Compensation (Unrecognized Compensation Expense) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Total unrecognized share-based compensation expense	$ 43
Weighted-average expected recognition period (in years)	2 years 1 month 6 days

Share-Based Compensation (Estim

Share-Based Compensation (Estimated Weighted-Average Grant-Date Fair Value Per Option Share and the Underlying Binomial Option-Pricing Model Assumptions) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Weighted-average grant-date fair value per option	$ 20.21	$ 25.31	$ 18.36
Risk-free interest rates	3.46%	1.78%	1.05%
Expected dividend yield	4%	4%	4%
Expected volatility factors of the market price of Comerica common stock	32%	34%	39%
Expected option life (in years)	7 years 9 months 18 days	8 years	7 years 9 months 18 days

Share-Based Compensation (Sum_2

Share-Based Compensation (Summary of the Corporation's Stock Option Activity and Related Information) (Details) - Stock Options $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($) $ / shares shares
Number of options outstanding at January 1, 2021 \| shares	2,008
Options granted \| shares	250
Options forfeited or expired \| shares	(27)
Options exercised \| shares	(148)
Number of options outstanding at December 31, 2021 \| shares	2,083
Number of options exercisable at December 31, 2021 \| shares	1,489
Options outstanding at January 1, 2021 (Weighted-average exercise price) \| $ / shares	$ 61.71
Options granted (Weighted-average exercise price) \| $ / shares	71.16
Options forfeited or expired (Weighted-average exercise price) \| $ / shares	71.37
Options exercised (Weighted-average exercise price) \| $ / shares	43.32
Options outstanding at December 31, 2021 Weighted-average exercise price) \| $ / shares	64.03
Options exercisable at December 31, 2021 (Weighted-average exercise price) \| $ / shares	$ 60.86
Weighted-average remaining contractual term in years at December 31, 2021	5 years
Weighted-average remaining contractual term in years exercisable at December 31, 2021	3 years 9 months 18 days
Aggregate intrinsic value outstanding at December 31, 2021 \| $	$ 10
Aggregate intrinsic value exercisable at December 31, 2021 \| $	$ 10

Share-Based Compensation Summar

Share-Based Compensation Summary of the Corporation's Restricted Stock Unit Activity and Related Information (Details) - Restricted Stock Units (RSUs) shares in Thousands	12 Months Ended
	Dec. 31, 2023 $ / shares shares
Service-Based Units
Restricted shares outstanding at January 1, 2023 \| shares	1,405
Non-vested shares granted \| shares	629
Restricted shares forfeited \| shares	(34)
Restricted shares vested \| shares	(482)
Restricted shares outstanding at December 31, 2023 \| shares	1,518
Restricted shares outstanding at January 1, 2023 (Weighted-average grant-date fair value) \| $ / shares	$ 64.27
Non-vested shares granted (Weighted-average grant-date fair value) \| $ / shares	57.33
Restricted shares forfeited (Weighted-average grant-date fair value) \| $ / shares	67.09
Restricted shares vested (Weighted-average grant-date fair value) \| $ / shares	60.77
Restricted shares outstanding at December 31, 2023 (Weighted-average grant-date fair value) \| $ / shares	$ 62.42
Performance-Based Units
Restricted shares outstanding at January 1, 2023 \| shares	744
Non-vested shares granted \| shares	294
Restricted shares forfeited \| shares	(8)
Restricted shares vested \| shares	(303)
Restricted shares outstanding at December 31, 2023 \| shares	727
Restricted shares outstanding at January 1, 2023 (Weighted-average grant-date fair value) \| $ / shares	$ 64.01
Non-vested shares granted (Weighted-average grant-date fair value) \| $ / shares	62.39
Restricted shares forfeited (Weighted-average grant-date fair value) \| $ / shares	73.30
Restricted shares vested (Weighted-average grant-date fair value) \| $ / shares	53.35
Restricted shares outstanding at December 31, 2023 (Weighted-average grant-date fair value) \| $ / shares	$ 67.70

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details)	12 Months Ended
Employee Benefit Plans (Narrative) (Details)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Fair value of plan assets in defined benefit pension plan	$ 2,665,000,000	$ 2,499,000,000
Estimated employer contributions for defined benefit plans for the next year	$ 0
Defined Contribution Plan, Employer Matching Contribution, Percent of Match	100%
Percent of qualified earnings contributed by employee matched by the Corporation	4%
Defined contribution plan expense	$ 27,000,000	24,000,000	$ 24,000,000
Qualified Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Estimated average life of pension plan in years	9
Fair value of plan assets in defined benefit pension plan	$ 2,681,000,000	2,508,000,000	3,462,000,000
Non-Qualified Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Fair value of plan assets in defined benefit pension plan	0	0	0
Postretirement Benefit Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Fair value of plan assets in defined benefit pension plan	$ 45,000,000	$ 46,000,000	$ 53,000,000
Minimum \| Qualified Plan \| Debt securities
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	35%
Maximum \| Qualified Plan \| Debt securities
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	45%

Employee Benefit Plans (Reconci

Employee Benefit Plans (Reconciliations of Plan assets and the Projected Benefit Obligation, the Weighted-Average Assumptions Used to Determine Year-End Benefit Obligations, and the Amounts Recognized in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Fair value of plan assets at January 1		$ 2,499,000,000
Fair value of plan assets at December 31		2,665,000,000	$ 2,499,000,000
Benefit plans, Actuarial gain (loss) arising during the period		96,000,000	(415,000,000)	$ 159,000,000
Qualified Plan
Fair value of plan assets at January 1		2,508,000,000	3,462,000,000
Actual return on plan assets		338,000,000	(777,000,000)	291,000,000
Benefits paid		(165,000,000)	(177,000,000)
Fair value of plan assets at December 31		2,681,000,000	2,508,000,000	3,462,000,000
Projected benefit obligation at January 1		1,611,000,000	2,214,000,000
Service cost		31,000,000	37,000,000	38,000,000
Interest cost		85,000,000	62,000,000	61,000,000
Benefit plans, Actuarial gain (loss) arising during the period		67,000,000	(525,000,000)
Projected benefit obligation at December 31		1,629,000,000	1,611,000,000	2,214,000,000
Accumulated benefit obligation		1,611,000,000	1,598,000,000
Funded Status at December 31	[1],[2]	$ 1,052,000,000	$ 897,000,000
Weighted-average assumptions, discount rate, percent		5.33%	5.60%
Weighted-average assumptions, rate of compensation increase, percent		4.50%	4.25%
Net actuarial loss		$ (501,000,000)	$ (638,000,000)
Amortization of prior service credit		19,000,000	33,000,000
Balance at December 31		$ (482,000,000)	$ (605,000,000)
Qualified Plan \| Minimum
Weighted-average assumptions, interest credit rating		466%	399%
Qualified Plan \| Maximum
Weighted-average assumptions, interest credit rating		525%	525%
Non-Qualified Plan
Fair value of plan assets at January 1		$ 0	$ 0
Actual return on plan assets		0	0
Benefits paid		(15,000,000)	(15,000,000)
Fair value of plan assets at December 31		0	0	0
Projected benefit obligation at January 1		163,000,000	207,000,000
Service cost		2,000,000	2,000,000	2,000,000
Interest cost		9,000,000	6,000,000	7,000,000
Benefit plans, Actuarial gain (loss) arising during the period		10,000,000	(37,000,000)
Projected benefit obligation at December 31		169,000,000	163,000,000	207,000,000
Accumulated benefit obligation		166,000,000	161,000,000
Funded Status at December 31	[1],[2]	$ (169,000,000)	$ (163,000,000)
Weighted-average assumptions, discount rate, percent		5.33%	5.60%
Weighted-average assumptions, rate of compensation increase, percent		4.50%	4.25%
Net actuarial loss		$ (52,000,000)	$ (46,000,000)
Amortization of prior service credit		29,000,000	38,000,000
Balance at December 31		$ (23,000,000)	$ (8,000,000)
Non-Qualified Plan \| Minimum
Weighted-average assumptions, interest credit rating		466%	399%
Non-Qualified Plan \| Maximum
Weighted-average assumptions, interest credit rating		525%	525%
Postretirement Benefit Plan
Fair value of plan assets at January 1		$ 46,000,000	$ 53,000,000
Actual return on plan assets		1,000,000	(4,000,000)	(1,000,000)
Benefits paid		(2,000,000)	(3,000,000)
Fair value of plan assets at December 31		45,000,000	46,000,000	53,000,000
Projected benefit obligation at January 1		21,000,000	31,000,000
Service cost		0	0
Interest cost		1,000,000	1,000,000	1,000,000
Benefit plans, Actuarial gain (loss) arising during the period		(3,000,000)	(8,000,000)
Projected benefit obligation at December 31		17,000,000	21,000,000	$ 31,000,000
Accumulated benefit obligation		17,000,000	21,000,000
Funded Status at December 31	[1],[2]	$ 28,000,000	$ 25,000,000
Weighted-average assumptions, discount rate, percent		5.43%	5.71%
Net actuarial loss		$ (9,000,000)	$ (10,000,000)
Amortization of prior service credit		2,000,000	2,000,000
Balance at December 31		$ (7,000,000)	$ (8,000,000)

[1] Based on projected benefit obligation for defined benefit pension plans and accumulated benefit obligation for postretirement benefit plan. The Corporation recognizes the overfunded and underfunded status of the plans in accrued income and other assets and accrued expenses and other liabilities, respectively, on the Consolidated Balance Sheets. n/a - not applicable

Employee Benefit Plans (Schedul

Employee Benefit Plans (Schedule of Changes, Net of Tax, in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Actuarial gain (loss) arising during the period	$ 96	$ (415)	$ 160
Amortization of actuarial net loss	36	28	40
Amortization of prior service credit	(23)	(23)	(25)
Total recognized in other comprehensive income (loss)	109	$ (410)	$ 175
Qualified Plan
Actuarial gain (loss) arising during the period	105
Amortization of actuarial net loss	32
Amortization of prior service credit	(14)
Total recognized in other comprehensive income (loss)	123
Non-Qualified Plan
Actuarial gain (loss) arising during the period	(10)
Amortization of actuarial net loss	4
Amortization of prior service credit	(9)
Total recognized in other comprehensive income (loss)	(15)
Postretirement Benefit Plan
Actuarial gain (loss) arising during the period	1
Amortization of actuarial net loss	0
Amortization of prior service credit	0
Total recognized in other comprehensive income (loss)	$ 1

Employee Benefit Plans Employee

Employee Benefit Plans Employee Benefit Plans (Net Periodic Defined Benefit Cost) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Defined Benefit Plan Disclosure [Line Items]
Net periodic defined benefit credit	$ (27)	$ (91)	$ (81)
Qualified Plan
Defined Benefit Plan Disclosure [Line Items]
Service cost	31	37	38
Interest cost	85	62	61
Expected return on plan assets	(166)	(201)	(202)
Amortization of prior service (credit) cost	(14)	(14)	(19)
Amortization of net loss	32	19	29
Total other components of net benefit credit or cost	(63)	(134)	(131)
Net periodic defined benefit credit	(32)	(97)	(93)
Actual return on plan assets	$ 338	$ (777)	$ 291
Actual rate of return on plan assets, percent	13.91%	(23.02%)	8.92%
Weighted-average assumptions, discount rate, percent	5.60%	2.96%	2.71%
Weighted-average assumptions, expected long-term return on plan assets, percent	6.50%	6.50%	6.50%
Weighted-average assumptions, rate of compensation increase, percent	4.25%	4%	4%
Non-Qualified Plan
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 2	$ 2	$ 2
Interest cost	9	6	7
Expected return on plan assets	0	0	0
Amortization of prior service (credit) cost	(9)	(9)	(6)
Amortization of net loss	4	9	11
Total other components of net benefit credit or cost	4	6	12
Net periodic defined benefit credit	6	8	$ 14
Actual return on plan assets	$ 0	$ 0
Weighted-average assumptions, discount rate, percent	5.60%	2.96%	2.71%
Weighted-average assumptions, rate of compensation increase, percent	4.25%	4%	4%
Postretirement Benefit Plan
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 0	$ 0
Interest cost	1	1	$ 1
Expected return on plan assets	(2)	(3)	(3)
Net periodic defined benefit credit	(1)	(2)	(2)
Actual return on plan assets	$ 1	$ (4)	$ (1)
Actual rate of return on plan assets, percent	2.61%	(8.24%)	(2.25%)
Weighted-average assumptions, discount rate, percent	5.71%	2.79%	2.43%
Weighted-average assumptions, expected long-term return on plan assets, percent	5%	5%	5%
Health care cost trend rate assumed			6%
Rate to which the healthcare cost trend rate is assumed to decline (the ultimate trend rate), percent			4.50%
Defined Benefit Plan Year That Reaches Ultimate Trend Rate In Current Expense			2027

Employee Benefit Plans (Fair Va

Employee Benefit Plans (Fair Values of the Corporation's Qualified Defined Benefit Pension Plan Investments Measured at Fair Value on a Recurring Basis) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Fair value of plan assets in qualified defined benefit pension plan, Excluding assets valued at net asset value	$ 1,397	$ 1,269
Fair value of plan assets in qualified defined benefit pension plan	2,665	2,499
Debt securities \| U.S. Treasury and other U.S. government agency securities
Fair value of plan assets in qualified defined benefit pension plan	567	534
Debt securities \| Corporate and municipal bonds and notes
Fair value of plan assets in qualified defined benefit pension plan	786	676
Debt securities \| Mortgage-backed secutities
Fair value of plan assets in qualified defined benefit pension plan		20
Debt securities \| Collective investments funds
Fair value of plan assets in qualified defined benefit pension plan	1,268	1,230
Private placements \| Private placements
Fair value of plan assets in qualified defined benefit pension plan	44	39
Level 1
Fair value of plan assets in qualified defined benefit pension plan, Excluding assets valued at net asset value	564	531
Level 1 \| Debt securities \| U.S. Treasury and other U.S. government agency securities
Fair value of plan assets in qualified defined benefit pension plan	564	531
Level 1 \| Debt securities \| Corporate and municipal bonds and notes
Fair value of plan assets in qualified defined benefit pension plan	0	0
Level 1 \| Debt securities \| Mortgage-backed secutities
Fair value of plan assets in qualified defined benefit pension plan		0
Level 1 \| Private placements
Fair value of plan assets in qualified defined benefit pension plan	0
Level 1 \| Private placements \| Private placements
Fair value of plan assets in qualified defined benefit pension plan		0
Level 2
Fair value of plan assets in qualified defined benefit pension plan, Excluding assets valued at net asset value	789	699
Level 2 \| Debt securities \| U.S. Treasury and other U.S. government agency securities
Fair value of plan assets in qualified defined benefit pension plan	3	3
Level 2 \| Debt securities \| Corporate and municipal bonds and notes
Fair value of plan assets in qualified defined benefit pension plan	786	676
Level 2 \| Debt securities \| Mortgage-backed secutities
Fair value of plan assets in qualified defined benefit pension plan		20
Level 2 \| Private placements
Fair value of plan assets in qualified defined benefit pension plan	0
Level 2 \| Private placements \| Private placements
Fair value of plan assets in qualified defined benefit pension plan		0
Level 3
Fair value of plan assets in qualified defined benefit pension plan, Excluding assets valued at net asset value	44	39
Level 3 \| Debt securities \| U.S. Treasury and other U.S. government agency securities
Fair value of plan assets in qualified defined benefit pension plan	0	0
Level 3 \| Debt securities \| Corporate and municipal bonds and notes
Fair value of plan assets in qualified defined benefit pension plan	0	0
Level 3 \| Debt securities \| Mortgage-backed secutities
Fair value of plan assets in qualified defined benefit pension plan		0
Level 3 \| Private placements \| Private placements
Fair value of plan assets in qualified defined benefit pension plan	$ 44	$ 39

Employee Benefit Plans (Summary

Employee Benefit Plans (Summary of Changes in the Corporation's Qualified Defined Benefit Pension Plan's Level 3 Investments Measured at Fair Value on a Recurring Basis) (Details) - Private placements - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Balance at beginning of period	$ 39	$ 50
Gains (Losses) Realized	(3)	(3)
Gains (Losses) Unrealized	8	(12)
Purchases	46	38
Sales	(46)	(34)
Balance at end period	$ 44	$ 39

Employee Benefit Plans (Sched_2

Employee Benefit Plans (Schedule of Estimated Future Employer Contributions) (Details) $ in Millions	Dec. 31, 2023 USD ($)
Qualified Plan
2022	$ 162
2023	140
2024	144
2025	142
2026	143
2027 - 2031	668
Non-Qualified Plan
2022	15
2023	15
2024	15
2025	15
2026	15
2027 - 2031	73
Postretirement Benefit Plan
2022	3
2023	2
2024	2
2025	2
2026	2
2027 - 2031	$ 6

Income Taxes And Tax-Related _3

Income Taxes And Tax-Related Items Income Taxes And Tax-Related Items (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income before income taxes	$ 1,144	$ 1,476	$ 1,490
Foreign-source income	87
Liability for tax-related interest and penalties		5
Unrecognized tax benefits that would impact the effective tax rate	5	13
Deferred Tax Assets, Operating Loss Carryforwards, Federal	(5)	(4)
State net operating loss carryforwards	2
Deferred tax assets, federal valuation allowance	5	4
Deferred tax assets, state valuation allowance	$ 1	$ 1
Minimum
Operating Loss Carryforwards, Expiration Date - Federal	2028
Operating Loss Carryforwards, Expiration Date - State	2024
Maximum
Operating Loss Carryforwards, Expiration Date - Federal	2032
Operating Loss Carryforwards, Expiration Date - State	2042

Income Taxes And Tax-Related _4

Income Taxes And Tax-Related Items Current and Deferred Components of the Provision for Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Current federal income tax	$ 297	$ 296	$ 212
Current foreign income tax	9	6	5
Current state and local income tax	49	50	26
Total current income tax	355	352	243
Deferred federal income tax	(83)	(24)	62
Deferred state and local income tax	(9)	(3)	17
Total deferred income tax	(92)	(27)	79
Provision for income taxes	$ 263	$ 325	$ 322

Income Taxes And Tax-Related _5

Income Taxes And Tax-Related Items Reconciliation of Expected Income Tax Expense at the Federal Statutory Rate to the Corporation's Provision for Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Tax based on federal statutory rate, amount	$ 240	$ 310	$ 313
Tax based on federal statutory rate, percent	21%	21%	21%
State income tax, amount	$ 35	$ 36	$ 35
State income tax, percent	3.10%	2.50%	2.40%
Employee Stock Transactions, amount	$ (1)	$ (3)	$ (3)
Employee Stock Transactions, percent	(0.10%)	(0.20%)	(0.20%)
Affordable housing and historic credits, amount	$ (16)	$ (13)	$ (13)
Affordable housing and historic credits, percent	1.40%	0.90%	0.90%
Bank-owned life insurance, amount	$ (10)	$ (10)	$ (10)
Bank-owned life insurance, percent	(0.90%)	(0.70%)	(0.60%)
FDIC fees, amount	$ 15	$ 6	$ 5
FDIC fees, percent	1.30%	0.40%	0.30%
Tax-related interest and penalties, amount	$ (4)	$ 0	$ 0
Tax-related interest and penalties, percent	(0.40%)	0%	0%
Other, amount	$ 4	$ (1)	$ (5)
Other, percent	0.40%	(0.10%)	(0.40%)
Provision for income taxes, amount	$ 263	$ 325	$ 322
Provision for income taxes, percent	23%	22%	21.60%

Income Taxes And Tax-Related _6

Income Taxes And Tax-Related Items Reconciliation of the Beginning and Ending Amounts of Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Balance at January 1	$ 16	$ 18	$ 19
(Decrease) increase as a result of tax positions taken during a prior period	0	(2)	(1)
Increase as a result of tax positions taken during a current period	1	3	3
Decreases related to settlements with tax authorities	(10)	(3)	(3)
Decrease related to other tax position changes	0	0	(2)
Balance at December 31	$ 7	$ 16	$ 18

Income Taxes And Tax-Related _7

Income Taxes And Tax-Related Items Tax Years for Significant Jurisdictions That Remain Subject to Examination (Details)	12 Months Ended
	Dec. 31, 2023
Federal \| Minimum
Open Tax Year	2020
Federal \| Maximum
Open Tax Year	2022
California \| Minimum
Open Tax Year	2020
Open tax years - second grouping	2018
California \| Maximum
Open Tax Year	2022
Open tax years - second grouping	2022

Income Taxes And Tax-Related _8

Income Taxes And Tax-Related Items Principal Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Deferred tax assets:
Allowance for loan losses	$ 145	$ 128
Deferred compensation	77	84
Deferred loan origination fees and costs	11	12
Deferred Tax Asset, Hedging gains and losses	186	290
Deferred Tax Assets, net unrealized gains on investment securities available-for-sale	628	713
Operating lease liabilities	81	85
Other temporary differences, net	124	42
Total deferred tax asset before valuation allowance	1,252	1,354
Valuation allowance	(6)	(5)
Total deferred tax assets	1,246	1,349
Deferred tax liabilities:
Lease financing transactions	(20)	(31)
Defined benefit plans	159	123
Allowance for depreciation	(5)	(4)
Leasing right of use assets	(67)	(71)
Total deferred tax liabilities	(251)	(229)
Net deferred tax asset	$ 995	$ 1,120

Transactions with Related Par_2

Transactions with Related Parties Transactions with Related Parties (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)
Related Party Transactions [Abstract]
Loans attributed to persons who were related parties at end of period	$ 81
New loans to related parties	277
Repayments on loans to related parties	253
Loans and leases receivable, related parties beginning of period	$ 57

Regulatory Capital and Reserv_3

Regulatory Capital and Reserve Requirements Regulatory Capital and Reserve Requirements (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Dividends available to be paid to parent company without obtaining prior approval from bank regulatory agencies	$ 400
Dividends from bank subsidiaries	$ 675	$ 1,000	$ 852
Total risk-based capital	10%	10%
Tier 1 Risk-Based Capital	6%	6%
U.S. Banking Subsidiaries
Total risk-based capital	10%	10%
Tier 1 Risk-Based Capital	8%	8%
CET1 risk-based capital	6.50%	6.50%
Leverage ratio	5%	5%

Regulatory Capital and Reserv_4

Regulatory Capital and Reserve Requirements Regulatory Capital and Reserve Requirements (Summary of Capital Position) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Summary of Capital Position [Line Items]
Tier 1 capital	$ 4,600	$ 4,700
Total capital	6,100	6,300
Minimum
Summary of Capital Position [Line Items]
CET 1 capital	$ 3,400	$ 3,500
CET 1 capital to risk-weighted assets	4.50%	4.50%
Tier 1 capital to risk-weighted assets - minimum	0.060	0.060
Total capital to risk-weighted assets	0.080	0.080
Tier 1 capital to average assets	0.040	0.040
Capital conservation buffer	0.025	0.025
Comerica Incorporated
Summary of Capital Position [Line Items]
CET 1 capital	$ 8,414	$ 7,884
Tier 1 capital	8,808	8,278
Total capital	10,263	9,817
Risk-weighted assets	75,901	78,871
Average assets (fourth quarter)	$ 87,538	$ 86,726
CET 1 capital to risk-weighted assets	11.09%	10%
Total capital to risk-weighted assets	0.1352	0.1245
Tier 1 capital to average assets	0.1006	0.0955
Capital conservation buffer	0.0552	0.0445
Tier 1 capital to risk-weighted assets	0.1160	0.1050
Comerica Bank
Summary of Capital Position [Line Items]
CET 1 capital	$ 8,007	$ 7,801
Tier 1 capital	8,007	7,801
Total capital	9,362	9,190
Risk-weighted assets	75,783	78,781
Average assets (fourth quarter)	$ 87,423	$ 86,608
CET 1 capital to risk-weighted assets	10.57%	9.90%
Total capital to risk-weighted assets	0.1235	0.1167
Tier 1 capital to average assets	0.0916	0.0901
Capital conservation buffer	0.0435	0.0367
Tier 1 capital to risk-weighted assets	0.1057	0.0990

Contingent Liabilities (Narrati

Contingent Liabilities (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Loss Contingencies [Line Items]
Legal fees	$ 26	$ 17	$ 14
Pending Litigation \| Minimum
Loss Contingencies [Line Items]
Loss contingency, estimate of possible loss	0
Pending Litigation \| Maximum
Loss Contingencies [Line Items]
Loss contingency, estimate of possible loss	$ 202

Business Segment Information (N

Business Segment Information (Narrative) (Details)	12 Months Ended
Business Segment Information (Narrative) (Details)	Dec. 31, 2023 segments
Segment Reporting [Abstract]
Number of Major Business Segments	3

Business Segment Information (B

Business Segment Information (Business Segment Financial Results) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Net interest income (expense)	$ 2,514	$ 2,466	$ 1,844
Provision for credit losses	89	60	(384)
Noninterest income	1,078	1,068	1,123
Noninterest expenses	2,359	1,998	1,861
Provision (benefit) for income taxes	(263)	(325)	(322)
Net income (loss)	881	1,151	1,168
Net credit-related (recoveries) charge-offs	22	17	(10)
Assets, average	87,194	87,272	90,152
Loans, average	53,903	50,460	49,083
Deposits, average	$ 66,018	$ 75,481	$ 77,681
Return on average assets	1.01%	1.32%	1.30%
Efficiency ratio	65.56%	56.32%	62.42%
Commercial Bank
Net interest income (expense)	$ 2,051	$ 1,761	$ 1,574
Provision for credit losses	90	32	(346)
Noninterest income	603	607	663
Noninterest expenses	1,106	964	871
Provision (benefit) for income taxes	(342)	(315)	(384)
Net income (loss)	1,116	1,057	1,328
Net credit-related (recoveries) charge-offs	20	21	(12)
Assets, average	49,458	47,437	44,007
Loans, average	46,435	43,481	41,799
Deposits, average	$ 33,019	$ 42,584	$ 45,602
Return on average assets	2.26%	2.23%	2.71%
Efficiency ratio	41.68%	40.57%	38.78%
Retail Bank
Net interest income (expense)	$ 846	$ 680	$ 565
Provision for credit losses	3	11	(5)
Noninterest income	119	122	123
Noninterest expenses	728	690	648
Provision (benefit) for income taxes	(58)	(22)	(5)
Net income (loss)	176	79	40
Net credit-related (recoveries) charge-offs	1	(1)	2
Assets, average	2,960	2,814	3,213
Loans, average	2,236	2,063	2,382
Deposits, average	$ 24,363	$ 26,672	$ 25,682
Return on average assets	0.71%	0.29%	0.15%
Efficiency ratio	74.90%	85.51%	93.34%
Wealth Management
Net interest income (expense)	$ 208	$ 199	$ 166
Provision for credit losses	(6)	9	(32)
Noninterest income	307	298	279
Noninterest expenses	402	348	316
Provision (benefit) for income taxes	(29)	(34)	(36)
Net income (loss)	90	106	125
Net credit-related (recoveries) charge-offs	1	(3)	0
Assets, average	5,500	5,037	5,025
Loans, average	5,232	4,906	4,902
Deposits, average	$ 4,130	$ 5,439	$ 5,218
Return on average assets	1.61%	1.84%	2.24%
Efficiency ratio	78.16%	69.92%	70.93%
Finance
Net interest income (expense)	$ (693)	$ (195)	$ (471)
Provision for credit losses	0	0	0
Noninterest income	37	59	41
Noninterest expenses	12	1	1
Provision (benefit) for income taxes	164	39	100
Net income (loss)	(504)	(98)	(331)
Net credit-related (recoveries) charge-offs	0	0	0
Assets, average	20,139	20,912	17,713
Loans, average	0	0	0
Deposits, average	4,169	360	787
Other
Net interest income (expense)	102	21	10
Provision for credit losses	2	8	(1)
Noninterest income	12	(18)	17
Noninterest expenses	111	(5)	25
Provision (benefit) for income taxes	2	7	3
Net income (loss)	3	7	6
Net credit-related (recoveries) charge-offs	0	0	0
Assets, average	9,137	11,072	20,194
Loans, average	0	10	0
Deposits, average	$ 337	$ 426	$ 392

Parent Company FInancial Stat_3

Parent Company FInancial Statements Parent Company Financial Statements (Balance Sheets) (Details) - USD ($) $ / shares in Units, $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Condensed Financial Statements, Captions [Line Items]
Cash and due from subsidiary bank	$ 1,443	$ 1,758
Other short-term investments	399	157
Accrued income and other assets	7,194	6,763
Total assets	85,834	85,406
Medium- and long-term debt	6,206	3,024
Accrued expenses and other liabilities	2,895	2,593
Total liabilities	$ 79,428	$ 80,225
Preferred Stock, No Par Value	$ 0	$ 0
Preferred Stock, Shares Authorized	4,000	4,000
Preferred Stock, Shares Issued	4,000	4,000
Fixed rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares, Issued - 4,000 shares at 12/31/2023 and 12/31/2022	$ 394	$ 394
Common stock, par value	$ 5	$ 5
Common stock, authorized shares	325,000,000	325,000,000
Common stock, issued shares	228,164,824	228,164,824
Common stock - $5 par value: Authorized - 325,000,000 shares; Issued - 228,164,824 shares	$ 1,141	$ 1,141
Capital surplus	2,224	2,220
Accumulated other comprehensive loss	(3,048)	(3,742)	$ (212)
Retained earnings	11,727	11,258
Less cost of common stock in treasury - 96,266,568 shares at 12/31/23 and 97,197,962 shares at 12/31/22	(6,032)	(6,090)
Total shareholders' equity	6,406	5,181	$ 7,897	$ 8,050
Total liabilities and shareholders' equity	85,834	85,406
Parent Company
Condensed Financial Statements, Captions [Line Items]
Cash and due from subsidiary bank	1,415	1,810
Other short-term investments	104	92
Due from Affiliates	0	150
Investments in subsidiaries, principally banks	5,777	4,853
Accrued income and other assets	180	191
Total assets	7,476	7,096
Medium- and long-term debt	764	1,593
Accrued expenses and other liabilities	306	322
Total liabilities	1,070	1,915
Fixed rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares, Issued - 4,000 shares at 12/31/2023 and 12/31/2022		394
Common stock - $5 par value: Authorized - 325,000,000 shares; Issued - 228,164,824 shares		1,141
Capital surplus		2,220
Accumulated other comprehensive loss	(3,048)	(3,742)
Retained earnings		11,258
Less cost of common stock in treasury - 96,266,568 shares at 12/31/23 and 97,197,962 shares at 12/31/22		(6,090)
Total shareholders' equity	6,406	5,181
Total liabilities and shareholders' equity	$ 7,476	$ 7,096

Parent Company FInancial Stat_4

Parent Company FInancial Statements Parent Company Financial Statements (Statements of Income) (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Condensed Financial Statements, Captions [Line Items]
Other interest income		$ 405	$ 105	$ 27
Interest on medium- and long-term debt	[1]	378	87	35
Salaries and benefits expense		1,306	1,208	1,133
Occupancy expense		171	175	161
Equipment expense		50	50	50
Other noninterest expenses		164	84	39
Benefit for income taxes		263	325	322
Net Income		881	1,151	1,168
Less income allocated to participating securities		4	6	5
Net income attributable to common shares		854	1,122	1,140
Parent Company
Condensed Financial Statements, Captions [Line Items]
Dividends from subsidiaries		677	1,067	849
Other interest income		53	13	1
Intercompany management fee		75	109	235
Total income		805	1,189	1,085
Interest on medium- and long-term debt		79	47	20
Salaries and benefits expense		62	53	170
Other noninterest expenses		13	46	72
Total expenses		154	146	262
Income before benefit for income taxes and equity in undistributed earnings of subsidiaries		651	1,043	823
Benefit for income taxes		(2)	(3)	(6)
Income before equity in undistributed earnings of subsidiaries		653	1,046	829
Equity in undistributed earnings of subsidiaries, principally banks		228	105	339
Net Income		881	1,151	1,168
Less income allocated to participating securities		4	6	5
Less preferred stock dividends		23	23	23
Net income attributable to common shares		$ 854	$ 1,122	$ 1,140

[1] Includes the effects of hedging.

Parent Company FInancial Stat_5

Parent Company FInancial Statements Parent Company Financial Statements (Statements of Cash Flows) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Condensed Financial Statements, Captions [Line Items]
Net income	$ 881	$ 1,151	$ 1,168
Net periodic defined benefit credit	(27)	(91)	(81)
Share-based compensation expense	52	60	41
Benefit for deferred income taxes	(92)	(27)	79
Other, net	(5)	(614)	(469)
Net cash provided by operating activities	1,251	638	634
Net change in premises and equipment	(153)	(82)	(70)
Net cash used in investing activities	3,494	(9,952)	1,723
Cash dividends paid on preferred stock	23	23	23
Repurchases of common stock	17	43	729
Cash dividends paid on common stock	(371)	(353)	(369)
Net cash provided by (used in) financing activities	(1,525)	(7,083)	4,555
Net increase (decrease) in cash and cash equivalents	3,220	(16,397)	6,912
Interest paid	1,449	130	57
Parent Company
Condensed Financial Statements, Captions [Line Items]
Net income	881	1,151	1,168
Undistributed (losses) earnings of subsidiaries, principally banks	228	105	339
Net periodic defined benefit credit	1	2	5
Share-based compensation expense	18	22	19
Benefit for deferred income taxes	(2)	0	(2)
Other, net	(28)	(24)	(3)
Net cash provided by operating activities	698	1,094	854
Advance to subsidiary bank	0	0	(150)
Capital transactions with subsidiaries	150	0	0
Net change in premises and equipment	0	(2)	1
Net cash used in investing activities	150	2	(151)
Maturities of medium- and long-term debt	850	0	0
Cash dividends paid on preferred stock	(23)	(23)	(23)
Repurchases of common stock	(17)	(43)	(729)
Cash dividends paid on common stock	371	353	369
Issuances of common stock under employee stock plans	18	28	34
Net cash provided by (used in) financing activities	(1,243)	(391)	(1,087)
Net increase (decrease) in cash and cash equivalents	(395)	705	(384)
Cash and cash equivalents at beginning of period	1,810	1,105	1,489
Cash and cash equivalents at end of period	1,415	1,810	1,105
Interest paid	$ 76	$ 41	$ 21

Revenue from Contracts with C_3

Revenue from Contracts with Customers Revenue from Contracts with Customers (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023		Dec. 31, 2022	Dec. 31, 2021
Revenue from contracts with customers:
Total revenue from contracts with customers	$ 798		$ 788	$ 796
Other sources of noninterest income	280		280	327
Total noninterest income	1,078		1,068	1,123
Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	387		384	410
Other sources of noninterest income	216		223	253
Total noninterest income	603		607	663
Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	114		115	115
Other sources of noninterest income	5		7	8
Total noninterest income	119		122	123
Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	296		288	271
Other sources of noninterest income	11		10	8
Total noninterest income	307		298	279
Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	1		1	0
Other sources of noninterest income	48		40	58
Total noninterest income	49		41	58
Card fees
Revenue from contracts with customers:
Total revenue from contracts with customers	280		273	298
Card fees \| Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	231		227	250
Card fees \| Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	45		42	44
Card fees \| Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	4		4	4
Card fees \| Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Fiduciary income
Revenue from contracts with customers:
Total revenue from contracts with customers	235		233	231
Fiduciary income \| Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	1		0	0
Fiduciary income \| Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Fiduciary income \| Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	234		233	231
Fiduciary income \| Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Service charges on deposit accounts
Revenue from contracts with customers:
Total revenue from contracts with customers	185		195	195
Service charges on deposit accounts \| Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	125		132	136
Service charges on deposit accounts \| Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	55		57	54
Service charges on deposit accounts \| Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	5		6	5
Service charges on deposit accounts \| Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Commercial loan servicing fees
Revenue from contracts with customers:
Total revenue from contracts with customers	11	[1]	11	13
Commercial loan servicing fees \| Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	11		11	13
Commercial loan servicing fees \| Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Commercial loan servicing fees \| Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Commercial loan servicing fees \| Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Brokerage fees
Revenue from contracts with customers:
Total revenue from contracts with customers	30		21	14
Brokerage fees \| Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Brokerage fees \| Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Brokerage fees \| Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	30		21	14
Brokerage fees \| Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Other noninterest income
Revenue from contracts with customers:
Total revenue from contracts with customers	40	[2]	44	28
Other noninterest income \| Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	2		3	(6)
Other noninterest income \| Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	14		16	17
Other noninterest income \| Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	23		24	17
Other noninterest income \| Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	1		1	0
Capital Markets
Revenue from contracts with customers:
Total revenue from contracts with customers	17		11	17
Capital Markets \| Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	17		$ 11	$ 17
Capital Markets \| Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	0
Capital Markets \| Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	0
Capital Markets \| Finance Other1
Revenue from contracts with customers:
Total revenue from contracts with customers	$ 0

[1] Included in commercial lending fees on the Consolidated Statements of Income. Excludes derivative, warrant and other miscellaneous income. (c) Effective January 1, 2023, the Corporation reported derivative income, syndication agent fees (previously a component of commercial lending fees) and investment banking fees (previously a component of other noninterest income) as a combined item captioned by capital markets income on the Consolidated Statements of Comprehensive Income. Prior periods have been adjusted to conform to this presentation, and the changes in presentation do not impact total noninterest income

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
Leases (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2023		Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Sales-type and Direct Financing Leases, Interest Income	$ 40		$ 21	$ 12
Total lease receivables	$ 761	[1]	$ 659

[1] Excludes net investment in leveraged leases of $46 million.

Leases (Operating Leases) (Deta

Leases (Operating Leases) (Details) - USD ($) $ in Millions	12 Months Ended
Leases (Operating Leases) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating leases, expense	$ 67	$ 68	$ 65
Variable Lease, Cost	18	17	15
Less sublease Income	(1)	(1)	(1)
Total lease expense	$ 84	$ 84	$ 79

Leases (Supplemental Balance Sh

Leases (Supplemental Balance Sheet Information) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Right-of-use (ROU) assets	$ 317	$ 338	$ 317
Operating lease liabilities	$ 388	$ 406	$ 356
Weighted average discount rate	3.72%	3.53%	3.33%
Weighted average lease term in years	9 years	9 years	8 years

Leases (Supplemental Cash Flow

Leases (Supplemental Cash Flow Information) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating cash flows from operating activities	$ 69	$ 66	$ 66
ROU assets obtained in exchange for new lease liabilities	$ 28	$ 80	$ 64

Leases (Contractual Maturities

Leases (Contractual Maturities of Operating Lease Liabilities) (Details) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
2024	$ 70
2025	68
2026	61
2027	50
2028	42
Thereafter	169
Total contractual maturities	460
Less: Imputed interest	(72)
Total operating lease liabilities	$ 388	$ 406	$ 356

Leases (Contractual Maturitie_2

Leases (Contractual Maturities of Sales-Type and Direct Financing Lease Receivables) (Details) (Details) - USD ($) $ in Millions		Dec. 31, 2023		Dec. 31, 2022
Leases [Abstract]
2024		$ 118
2025		154
2026		90
2027		49
2028		39
Thereafter		268
Total lease payments receivable		718
Unguaranteed residual values		61
Less: Deferred interest income	[1]	(18)
Total lease receivables		$ 761	[1]	$ 659

[1] Excludes net investment in leveraged leases of $46 million.