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ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses Roll Forward by Segment (Details) - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended |
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024
Allowance for credit losses |  |  |  |  |
Allowance for credit losses on loans (ACLL) at beginning of period | $ 19,123 | $ 18,216 | $ 18,574 | $ 18,145 |
Charge-offs | (2,726) | (2,609) | (8,375) | (8,014) |
Recoveries | 512 | 437 | 1,468 | 1,256 |
Replenishment of NCLs | 2,214 | 2,172 | 6,907 | 6,758 |
Net reserve builds (releases) | (10) | 254 | 466 | 636 |
Net specific reserve builds (releases) | 55 | (44) | (76) | (231) |
Other | 38 | (93) | 242 | (217) |
ACLL at end of period | 19,206 | 18,356 | 19,206 | 18,356 |
ACLL |  |  |  |  |
Collectively evaluated | 18,939 |  | 18,939 |  | $ 18,221
Individually evaluated | 267 |  | 267 |  | 340
Total ACLL | 19,206 | 18,356 | 19,206 | 18,356 | 18,574
Loans, net of unearned income |  |  |  |  |
Collectively evaluated | 723,697 |  | 723,697 |  | 684,812
Individually evaluated | 2,204 |  | 2,204 |  | 1,511
Held at fair value | 7,896 |  | 7,896 |  | 8,040
Total loans, net of unearned income | 733,905 |  | 733,905 |  | 694,488
Credit deteriorated assets |  | 37 |  | 46 |
Purchased credit deteriorated |  |  |  |  |
ACLL |  |  |  |  |
Purchased credit deteriorated | 0 |  | 0 |  | 13
Loans, net of unearned income |  |  |  |  |
Purchased credit deteriorated | 108 |  | 108 |  | 125
Corporate loans |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Allowance for credit losses on loans (ACLL) at beginning of period | 3,023 | 2,484 | 2,556 | 2,714 |
Charge-offs | (114) | (113) | (376) | (420) |
Recoveries | 22 | 39 | 53 | 74 |
Replenishment of NCLs | 92 | 74 | 323 | 346 |
Net reserve builds (releases) | (76) | 143 | 468 | 115 |
Net specific reserve builds (releases) | 54 | (40) | (77) | (229) |
Other | 0 | 4 | 54 | (9) |
ACLL at end of period | 3,001 | 2,591 | 3,001 | 2,591 |
ACLL |  |  |  |  |
Collectively evaluated | 2,774 |  | 2,774 |  | 2,254
Individually evaluated | 227 |  | 227 |  | 302
Total ACLL | 3,001 | 2,591 | 3,001 | 2,591 | 2,556
Loans, net of unearned income |  |  |  |  |
Collectively evaluated | 325,336 |  | 325,336 |  | 292,250
Individually evaluated | 2,071 |  | 2,071 |  | 1,377
Held at fair value | 7,870 |  | 7,870 |  | 7,759
Total loans, net of unearned income | 335,277 |  | 335,277 |  | 301,386
Corporate loans | Purchased credit deteriorated |  |  |  |  |
ACLL |  |  |  |  |
Purchased credit deteriorated | 0 |  | 0 |  | 0
Loans, net of unearned income |  |  |  |  |
Purchased credit deteriorated | 0 |  | 0 |  | 0
Consumer loans |  |  |  |  |
Allowance for credit losses |  |  |  |  |
Allowance for credit losses on loans (ACLL) at beginning of period | 16,100 | 15,732 | 16,018 | 15,431 |
Charge-offs | (2,612) | (2,496) | (7,999) | (7,594) |
Recoveries | 490 | 398 | 1,415 | 1,182 |
Replenishment of NCLs | 2,122 | 2,098 | 6,584 | 6,412 |
Net reserve builds (releases) | 66 | 111 | (2) | 521 |
Net specific reserve builds (releases) | 1 | (4) | 1 | (2) |
Other | 38 | (97) | 188 | (208) |
ACLL at end of period | 16,205 | 15,765 | 16,205 | 15,765 |
ACLL |  |  |  |  |
Collectively evaluated | 16,165 |  | 16,165 |  | 15,967
Individually evaluated | 40 |  | 40 |  | 38
Total ACLL | 16,205 | $ 15,765 | 16,205 | $ 15,765 | 16,018
Loans, net of unearned income |  |  |  |  |
Collectively evaluated | 398,361 |  | 398,361 |  | 392,562
Individually evaluated | 133 |  | 133 |  | 134
Held at fair value | 26 |  | 26 |  | 281
Total loans, net of unearned income | 398,628 |  | 398,628 |  | 393,102
Consumer loans | Purchased credit deteriorated |  |  |  |  |
ACLL |  |  |  |  |
Purchased credit deteriorated | 0 |  | 0 |  | 13
Loans, net of unearned income |  |  |  |  |
Purchased credit deteriorated | $ 108 |  | $ 108 |  | $ 125

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