STI 2018 Annual Report

Notes to Consolidated Financial Statements, continued 97 Year Ended December 31, 2017 1 (Dollars in millions) Consumer 2 Wholesale 2 Out of Scope 2, 3 Total Noninterest income Service charges on deposit accounts $460 $143 $— $603 Other charges and fees 4 124 12 225 361 Card fees 232 108 4 344 Investment banking income 4 — 371 252 623 Trading income — — 189 189 Mortgage related income — — 422 422 Trust and investment management income 302 — 7 309 Retail investment services 275 2 1 278 Commercial real estate related income — — 123 123 Net securities losses — — (108) (108) Gain on sale of subsidiary — — 107 107 Other noninterest income 26 — 77 103 Total noninterest income $1,419 $636 $1,299 $3,354 1 Amounts for periods prior to January 1, 2018 are presented in accordance with ASC Topic 605, Revenue Recognition , and have not been restated to conform with ASC Topic 606, Revenue from Contracts with Customers . 2 Consumer total noninterest income and Wholesale total noninterest income exclude $486 million and $937 million of out of scope noninterest income, respectively, which are included in the business segment results presented on a management accounting basis in Note 22, "Business Segment Reporting." Out of scope total noninterest income includes these amounts and also includes ($124) million of Corporate Other noninterest income that is not subject to ASC Topic 606. 3 The Company presents out of scope noninterest income for the purpose of reconciling noninterest income amounts within the scope of ASC Topic 606 to noninterest income amounts presented on the Company's Consolidated Statements of Income. 4 Beginning July 1, 2018, the Company began presenting bridge commitment fee income related to capital market transactions in Investment banking income on the Consolidated Statements of Income. For periods prior to July 1, 2018, this income was previously presented in Other charges and fees and has been reclassified to Investment banking income for comparability. Year Ended December 31, 2016 1 (Dollars in millions) Consumer 2 Wholesale 2 Out of Scope 2, 3 Total Noninterest income Service charges on deposit accounts $482 $148 $— $630 Other charges and fees 4 130 11 218 359 Card fees 228 93 6 327 Investment banking income 4 — 317 198 515 Trading income — — 211 211 Mortgage related income — — 555 555 Trust and investment management income 300 — 4 304 Retail investment services 277 3 1 281 Commercial real estate related income — — 69 69 Net securities gains — — 4 4 Other noninterest income 27 — 101 128 Total noninterest income $1,444 $572 $1,367 $3,383 1 Amounts for periods prior to January 1, 2018 are presented in accordance with ASC Topic 605, Revenue Recognition , and have not been restated to conform with ASC Topic 606, Revenue from Contracts with Customers . 2 Consumer total noninterest income and Wholesale total noninterest income exclude $623 million and $753 million of out of scope noninterest income, respectively, which are included in the business segment results presented on a management accounting basis in Note 22, "Business Segment Reporting." Out of scope total noninterest income includes these amounts and also includes ($9) million of Corporate Other noninterest income that is not subject to ASC Topic 606. 3 The Company presents out of scope noninterest income for the purpose of reconciling noninterest income amounts within the scope of ASC Topic 606 to noninterest income amounts presented on the Company's Consolidated Statements of Income. 4 Beginning July 1, 2018, the Company began presenting bridge commitment fee income related to capital market transactions in Investment banking income on the Consolidated Statements of Income. For periods prior to July 1, 2018, this income was previously presented in Other charges and fees and has been reclassified to Investment banking income for comparability.