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Loans and Related Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Summary of the Classification of Portfolio Segments |
Commercial |  | Consumer
• Commercial and industrial |  | • Residential real estate
• Commercial real estate |  | • Home equity
• Equipment lease financing |  | • Automobile
|  | • Credit card
|  | • Education
|  | • Other consumer
Analysis of Loan Portfolio | Table 42 presents the composition and delinquency status of our loan portfolio at September 30, 2025 and December 31, 2024. Loan delinquencies include government insured or guaranteed loans and loans accounted for under the fair value option. Table 42: Analysis of Loan Portfolio (a) (b)
| Accruing |  |  |  |  |  |  |
Dollars in millions | Current or Less Than 30 Days Past Due | 30-59 Days Past Due | 60-89 Days Past Due | 90 Days or More Past Due | Total Past Due (c) |  | Nonperforming Loans | Fair Value Option Nonaccrual Loans (d) | Total Loans (e)(f) |  |  |
September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 189,335 |  | $ | 147 |  | $ | 60 |  | $ | 71 |  | $ | 278 |  |  | $ | 583 |  | $ | — |  | $ | 190,196 |  |  |  |
Commercial real estate | 29,608 |  | 9 |  | — |  | 1 |  | 10 |  |  | 663 |  | — |  | 30,281 |  |  |  |
Equipment lease financing | 6,841 |  | 14 |  | 7 |  | — |  | 21 |  |  | 36 |  | — |  | 6,898 |  |  |  |
Total commercial | 225,784 |  | 170 |  | 67 |  | 72 |  | 309 |  |  | 1,282 |  | — |  | 227,375 |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | 43,601 |  | 245 |  | 87 |  | 164 |  | 496 |  | (c) | 326 |  | 214 |  | 44,637 |  |  |  |
Home equity | 25,372 |  | 73 |  | 27 |  | — |  | 100 |  |  | 431 |  | 39 |  | 25,942 |  |  |  |
Automobile | 16,099 |  | 70 |  | 17 |  | 4 |  | 91 |  |  | 82 |  | — |  | 16,272 |  |  |  |
Credit card | 6,484 |  | 45 |  | 31 |  | 63 |  | 139 |  |  | 13 |  | — |  | 6,636 |  |  |  |
Education | 1,446 |  | 24 |  | 15 |  | 36 |  | 75 |  | (c) | — |  | — |  | 1,521 |  |  |  |
Other consumer | 4,207 |  | 8 |  | 7 |  | 8 |  | 23 |  |  | 3 |  | — |  | 4,233 |  |  |  |
Total consumer | 97,209 |  | 465 |  | 184 |  | 275 |  | 924 |  |  | 855 |  | 253 |  | 99,241 |  |  |  |
Total | $ | 322,993 |  | $ | 635 |  | $ | 251 |  | $ | 347 |  | $ | 1,233 |  |  | $ | 2,137 |  | $ | 253 |  | $ | 326,616 |  |  |  |
Percentage of total loans | 98.89 | % | 0.19 | % | 0.08 | % | 0.11 | % | 0.38 | % |  | 0.65 | % | 0.08 | % | 100.00 | % |  |  |
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 174,988 |  | $ | 159 |  | $ | 43 |  | $ | 72 |  | $ | 274 |  |  | $ | 528 |  | $ | — |  | $ | 175,790 |  |  |  |
Commercial real estate | 32,657 |  | 25 |  | 18 |  | — |  | 43 |  |  | 919 |  | — |  | 33,619 |  |  |  |
Equipment lease financing | 6,687 |  | 41 |  | 12 |  | — |  | 53 |  |  | 15 |  | — |  | 6,755 |  |  |  |
Total commercial | 214,332 |  | 225 |  | 73 |  | 72 |  | 370 |  |  | 1,462 |  | — |  | 216,164 |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | 45,134 |  | 234 |  | 106 |  | 188 |  | 528 |  | (c) | 278 |  | 475 |  | 46,415 |  |  |  |
Home equity | 25,351 |  | 71 |  | 26 |  | — |  | 97 |  |  | 482 |  | 61 |  | 25,991 |  |  |  |
Automobile | 15,155 |  | 83 |  | 22 |  | 9 |  | 114 |  |  | 86 |  | — |  | 15,355 |  |  |  |
Credit card | 6,696 |  | 49 |  | 38 |  | 81 |  | 168 |  |  | 15 |  | — |  | 6,879 |  |  |  |
Education | 1,557 |  | 25 |  | 15 |  | 39 |  | 79 |  | (c) | — |  | — |  | 1,636 |  |  |  |
Other consumer | 3,998 |  | 10 |  | 8 |  | 8 |  | 26 |  |  | 3 |  | — |  | 4,027 |  |  |  |
Total consumer | 97,891 |  | 472 |  | 215 |  | 325 |  | 1,012 |  |  | 864 |  | 536 |  | 100,303 |  |  |  |
Total | $ | 312,223 |  | $ | 697 |  | $ | 288 |  | $ | 397 |  | $ | 1,382 |  |  | $ | 2,326 |  | $ | 536 |  | $ | 316,467 |  |  |  |
Percentage of total loans | 98.66 | % | 0.22 | % | 0.09 | % | 0.13 | % | 0.44 | % |  | 0.73 | % | 0.17 | % | 100.00 | % |  |  |
(a)Amounts in table represent loans held for investment and do not include any associated ALLL. (b)The accrued interest associated with our loan portfolio totaled $1.4 billion and $1.3 billion at September 30, 2025 and December 31, 2024, respectively. These amounts are included in Other assets on the Consolidated Balance Sheet. (c)Past due loan amounts include government insured or guaranteed residential real estate loans and education loans totaling $0.2 billion and $0.1 billion at September 30, 2025, respectively. Comparable amounts at December 31, 2024 were $0.3 billion and $0.1 billion, respectively. (d)Consumer loans accounted for under the fair value option for which we do not expect to collect substantially all principal and interest are subject to nonaccrual accounting and classification upon meeting any of our nonaccrual policy criteria. Given that these loans are not accounted for at amortized cost, they have been excluded from the nonperforming loan population. (e)Includes unearned income, unamortized deferred fees and costs on originated loans and premiums or discounts on purchased loans totaling $1.0 billion at both September 30, 2025 and December 31, 2024. (f)Collateral dependent loans totaled $1.5 billion and $1.6 billion at September 30, 2025 and December 31, 2024, respectively.
Nonperforming Assets | The following table presents our nonperforming assets as of September 30, 2025 and December 31, 2024: Table 43: Nonperforming Assets
Dollars in millions |  | September 30, 2025 |  | December 31, 2024 |
Nonperforming loans |  |  |  |  |
Commercial |  | $ | 1,282 |  |  | $ | 1,462 |  |
Consumer (a) |  | 855 |  |  | 864 |  |
Total nonperforming loans (b) |  | 2,137 |  |  | 2,326 |  |
OREO, foreclosed and other assets (c) |  | 162 |  |  | 31 |  |
Total nonperforming assets |  | $ | 2,299 |  |  | $ | 2,357 |  |
Nonperforming loans to total loans |  | 0.65 | % |  | 0.73 | % |
Nonperforming assets to total loans, OREO, foreclosed and other assets (c) |  | 0.70 | % |  | 0.74 | % |
Nonperforming assets to total assets |  | 0.40 | % |  | 0.42 | % |
(a)Excludes most unsecured consumer loans and lines of credit, which are charged off after 120 to 180 days past due and are not placed on nonperforming status. (b)Nonperforming loans for which there is no related ALLL totaled $0.6 billion at both September 30, 2025 and December 31, 2024. This primarily includes loans with a fair value of collateral that exceeds the amortized cost basis. (c)Amounts at September 30, 2025 include $127 million of nonaccrual servicing advances to single asset/single borrower trusts with commercial real estate as collateral.
Credit Quality Indicators By Loan Class | The following table presents credit quality indicators for our commercial loan classes: Table 44: Commercial Credit Quality Indicators (a)
| Term Loans by Origination Year |  |  |
September 30, 2025 In millions | 2025 |  | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |
Pass Rated | $ | 23,619 |  |  | $ | 16,615 |  | $ | 10,408 |  | $ | 14,371 |  | $ | 4,306 |  | $ | 12,809 |  | $ | 98,833 |  | $ | 243 |  | $ | 181,204 |
Criticized | 454 |  |  | 841 |  | 597 |  | 1,246 |  | 435 |  | 475 |  | 4,871 |  | 73 |  | 8,992 |
Total commercial and industrial loans | 24,073 |  |  | 17,456 |  | 11,005 |  | 15,617 |  | 4,741 |  | 13,284 |  | 103,704 |  | 316 |  | 190,196 |
Gross charge-offs (b) | 37 |  | (c) | 37 |  | 66 |  | 15 |  | 4 |  | 6 |  | 117 |  | 2 |  | 284 |
Commercial real estate |  |  |  |  |  |  |  |  |  |
Pass Rated | 1,787 |  |  | 2,615 |  | 3,892 |  | 5,531 |  | 1,475 |  | 8,694 |  | 473 |  | — |  | 24,467 |
Criticized | 172 |  |  | 355 |  | 1,273 |  | 1,703 |  | 360 |  | 1,947 |  | 4 |  | — |  | 5,814 |
Total commercial real estate loans | 1,959 |  |  | 2,970 |  | 5,165 |  | 7,234 |  | 1,835 |  | 10,641 |  | 477 |  | — |  | 30,281 |
Gross charge-offs (b) | 5 |  |  | — |  | 1 |  | — |  | 7 |  | 86 |  | — |  | 2 |  | 101 |
Equipment lease financing |  |  |  |  |  |  |  |  |  |
Pass Rated | 1,379 |  |  | 1,541 |  | 1,065 |  | 890 |  | 347 |  | 1,424 |  | — |  | — |  | 6,646 |
Criticized | 29 |  |  | 54 |  | 55 |  | 65 |  | 18 |  | 31 |  | — |  | — |  | 252 |
Total equipment lease financing loans | 1,408 |  |  | 1,595 |  | 1,120 |  | 955 |  | 365 |  | 1,455 |  | — |  | — |  | 6,898 |
Gross charge-offs (b) | — |  |  | 3 |  | 5 |  | 6 |  | 3 |  | 8 |  | — |  | — |  | 25 |
Total commercial loans | $ | 27,440 |  |  | $ | 22,021 |  | $ | 17,290 |  | $ | 23,806 |  | $ | 6,941 |  | $ | 25,380 |  | $ | 104,181 |  | $ | 316 |  | $ | 227,375 |
Total commercial gross charge-offs | $ | 42 |  |  | $ | 40 |  | $ | 72 |  | $ | 21 |  | $ | 14 |  | $ | 100 |  | $ | 117 |  | $ | 4 |  | $ | 410 |
| Term Loans by Origination Year |  |  |
December 31, 2024 In millions | 2024 |  | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |
Pass Rated | $ | 22,145 |  |  | $ | 13,815 |  | $ | 17,043 |  | $ | 5,275 |  | $ | 4,594 |  | $ | 11,270 |  | $ | 91,389 |  | $ | 522 |  | $ | 166,053 |
Criticized | 761 |  |  | 878 |  | 1,856 |  | 601 |  | 144 |  | 580 |  | 4,868 |  | 49 |  | 9,737 |
Total commercial and industrial loans | 22,906 |  |  | 14,693 |  | 18,899 |  | 5,876 |  | 4,738 |  | 11,850 |  | 96,257 |  | 571 |  | 175,790 |
Gross charge-offs (b) | 22 |  | (c) | 32 |  | 51 |  | 25 |  | 5 |  | 7 |  | 133 |  | 53 |  | 328 |
Commercial real estate |  |  |  |  |  |  |  |  |  |
Pass Rated | 2,331 |  |  | 5,575 |  | 6,875 |  | 2,232 |  | 1,220 |  | 9,685 |  | 423 |  | — |  | 28,341 |
Criticized | 141 |  |  | 335 |  | 1,974 |  | 485 |  | 465 |  | 1,853 |  | 25 |  | — |  | 5,278 |
Total commercial real estate loans | 2,472 |  |  | 5,910 |  | 8,849 |  | 2,717 |  | 1,685 |  | 11,538 |  | 448 |  | — |  | 33,619 |
Gross charge-offs (b) | 28 |  |  | 5 |  | — |  | 2 |  | 1 |  | 322 |  | — |  | — |  | 358 |
Equipment lease financing |  |  |  |  |  |  |  |  |  |
Pass Rated | 1,814 |  |  | 1,264 |  | 1,112 |  | 478 |  | 478 |  | 1,305 |  | — |  | — |  | 6,451 |
Criticized | 51 |  |  | 79 |  | 88 |  | 35 |  | 21 |  | 30 |  | — |  | — |  | 304 |
Total equipment lease financing loans | 1,865 |  |  | 1,343 |  | 1,200 |  | 513 |  | 499 |  | 1,335 |  | — |  | — |  | 6,755 |
Gross charge-offs (b) | 1 |  |  | 6 |  | 12 |  | 5 |  | 4 |  | 6 |  | — |  | — |  | 34 |
Total commercial loans | $ | 27,243 |  |  | $ | 21,946 |  | $ | 28,948 |  | $ | 9,106 |  | $ | 6,922 |  | $ | 24,723 |  | $ | 96,705 |  | $ | 571 |  | $ | 216,164 |
Total commercial gross charge-offs | $ | 51 |  |  | $ | 43 |  | $ | 63 |  | $ | 32 |  | $ | 10 |  | $ | 335 |  | $ | 133 |  | $ | 53 |  | $ | 720 |
(a)Loans in our commercial portfolio are classified as Pass Rated or Criticized based on the regulatory definitions, which are driven by the PD and LGD ratings that we assign. The Criticized classification includes loans that were rated special mention, substandard or doubtful as of September 30, 2025 and December 31, 2024. (b)Gross charge-offs are presented on a year-to-date basis, as of the period end date. (c)Includes charge-offs of deposit overdrafts. The following table presents credit quality indicators for our residential real estate and home equity loan classes: Table 45: Credit Quality Indicators for Residential Real Estate and Home Equity Loan Classes
| Term Loans by Origination Year |  |  |
September 30, 2025 In millions | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Residential real estate |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | 5 |  | $ | 29 |  | $ | 74 |  | $ | 65 |  | $ | 51 |  | $ | 57 |  | $ | — |  | $ | — |  | $ | 281 |
Greater than or equal to 80% to 100% | 478 |  | 370 |  | 386 |  | 705 |  | 428 |  | 227 |  | — |  | — |  | 2,594 |
Less than 80% | 1,163 |  | 1,712 |  | 3,581 |  | 8,191 |  | 13,449 |  | 13,049 |  | — |  | — |  | 41,145 |
No LTV available | — |  | — |  | — |  | — |  | 9 |  | 3 |  | — |  | — |  | 12 |
Government insured or guaranteed loans | — |  | 5 |  | 20 |  | 24 |  | 17 |  | 539 |  | — |  | — |  | 605 |
Total residential real estate loans | $ | 1,646 |  | $ | 2,116 |  | $ | 4,061 |  | $ | 8,985 |  | $ | 13,954 |  | $ | 13,875 |  | $ | — |  | $ | — |  | $ | 44,637 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 987 |  | $ | 1,578 |  | $ | 2,899 |  | $ | 7,257 |  | $ | 11,179 |  | $ | 8,831 |  | $ | — |  | $ | — |  | $ | 32,731 |
720 to 779 | 577 |  | 422 |  | 675 |  | 1,205 |  | 1,934 |  | 2,301 |  | — |  | — |  | 7,114 |
660 to 719 | 65 |  | 100 |  | 223 |  | 389 |  | 581 |  | 1,049 |  | — |  | — |  | 2,407 |
Less than 660 | 17 |  | 11 |  | 115 |  | 103 |  | 163 |  | 767 |  | — |  | — |  | 1,176 |
No FICO score available | — |  | — |  | 129 |  | 7 |  | 80 |  | 388 |  | — |  | — |  | 604 |
Government insured or guaranteed loans | — |  | 5 |  | 20 |  | 24 |  | 17 |  | 539 |  | — |  | — |  | 605 |
Total residential real estate loans | $ | 1,646 |  | $ | 2,116 |  | $ | 4,061 |  | $ | 8,985 |  | $ | 13,954 |  | $ | 13,875 |  | $ | — |  | $ | — |  | $ | 44,637 |
Gross charge-offs (a) | $ | — |  | $ | 1 |  | $ | 1 |  | $ | 3 |  | $ | 2 |  | $ | 1 |  | $ | — |  | $ | — |  | $ | 8 |
Home equity (b) |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1 |  | $ | 21 |  | $ | 390 |  | $ | 379 |  | $ | 791 |
Greater than or equal to 80% to 100% | — |  | — |  | — |  | — |  | 5 |  | 48 |  | 1,233 |  | 1,520 |  | 2,806 |
Less than 80% | — |  | — |  | — |  | — |  | 129 |  | 3,943 |  | 7,434 |  | 10,839 |  | 22,345 |
Total home equity loans | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 135 |  | $ | 4,012 |  | $ | 9,057 |  | $ | 12,738 |  | $ | 25,942 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 88 |  | $ | 2,572 |  | $ | 5,198 |  | $ | 6,043 |  | $ | 13,901 |
720 to 779 | — |  | — |  | — |  | — |  | 30 |  | 780 |  | 2,445 |  | 3,116 |  | 6,371 |
660 to 719 | — |  | — |  | — |  | — |  | 12 |  | 381 |  | 1,209 |  | 2,085 |  | 3,687 |
Less than 660 | — |  | — |  | — |  | — |  | 5 |  | 271 |  | 204 |  | 1,462 |  | 1,942 |
No FICO score available | — |  | — |  | — |  | — |  | — |  | 8 |  | 1 |  | 32 |  | 41 |
Total home equity loans | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 135 |  | $ | 4,012 |  | $ | 9,057 |  | $ | 12,738 |  | $ | 25,942 |
Gross charge-offs (a) | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 10 |  | $ | 18 |  | $ | 28 |
(Continued from previous page) | Term Loans by Origination Year |  |  |
December 31, 2024 In millions | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Residential real estate |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | 10 |  | $ | 55 |  | $ | 85 |  | $ | 52 |  | $ | 23 |  | $ | 32 |  | $ | — |  | $ | — |  | $ | 257 |
Greater than or equal to 80% to 100% | 591 |  | 485 |  | 954 |  | 601 |  | 171 |  | 111 |  | — |  | — |  | 2,913 |
Less than 80% | 2,043 |  | 4,039 |  | 8,450 |  | 13,958 |  | 6,084 |  | 8,039 |  | — |  | — |  | 42,613 |
No LTV available | — |  | — |  | — |  | 9 |  | — |  | 3 |  | — |  | — |  | 12 |
Government insured or guaranteed loans | 1 |  | 16 |  | 23 |  | 17 |  | 66 |  | 497 |  | — |  | — |  | 620 |
Total residential real estate loans | $ | 2,645 |  | $ | 4,595 |  | $ | 9,512 |  | $ | 14,637 |  | $ | 6,344 |  | $ | 8,682 |  | $ | — |  | $ | — |  | $ | 46,415 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 1,730 |  | $ | 3,264 |  | $ | 7,584 |  | $ | 11,723 |  | $ | 4,683 |  | $ | 4,858 |  | $ | — |  | $ | — |  | $ | 33,842 |
720 to 779 | 789 |  | 805 |  | 1,406 |  | 2,035 |  | 1,004 |  | 1,567 |  | — |  | — |  | 7,606 |
660 to 719 | 115 |  | 270 |  | 401 |  | 620 |  | 324 |  | 784 |  | — |  | — |  | 2,514 |
Less than 660 | 9 |  | 108 |  | 90 |  | 156 |  | 116 |  | 696 |  | — |  | — |  | 1,175 |
No FICO score available | 1 |  | 132 |  | 8 |  | 86 |  | 151 |  | 280 |  | — |  | — |  | 658 |
Government insured or guaranteed loans | 1 |  | 16 |  | 23 |  | 17 |  | 66 |  | 497 |  | — |  | — |  | 620 |
Total residential real estate loans | $ | 2,645 |  | $ | 4,595 |  | $ | 9,512 |  | $ | 14,637 |  | $ | 6,344 |  | $ | 8,682 |  | $ | — |  | $ | — |  | $ | 46,415 |
Gross charge-offs (a) | $ | — |  | $ | — |  | $ | — |  | $ | 1 |  | $ | — |  | $ | 2 |  | $ | — |  | $ | — |  | $ | 3 |
Home equity (b) |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | — |  | $ | — |  | $ | — |  | $ | 1 |  | $ | 12 |  | $ | 17 |  | $ | 368 |  | $ | 372 |  | $ | 770 |
Greater than or equal to 80% to 100% | — |  | — |  | — |  | 5 |  | 31 |  | 30 |  | 1,098 |  | 1,619 |  | 2,783 |
Less than 80% | — |  | — |  | — |  | 141 |  | 1,670 |  | 2,807 |  | 6,907 |  | 10,913 |  | 22,438 |
Total home equity loans | $ | — |  | $ | — |  | $ | — |  | $ | 147 |  | $ | 1,713 |  | $ | 2,854 |  | $ | 8,373 |  | $ | 12,904 |  | $ | 25,991 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | — |  | $ | — |  | $ | — |  | $ | 94 |  | $ | 1,145 |  | $ | 1,753 |  | $ | 4,720 |  | $ | 6,211 |  | $ | 13,923 |
720 to 779 | — |  | — |  | — |  | 34 |  | 352 |  | 572 |  | 2,251 |  | 3,274 |  | 6,483 |
660 to 719 | — |  | — |  | — |  | 14 |  | 151 |  | 289 |  | 1,193 |  | 2,085 |  | 3,732 |
Less than 660 | — |  | — |  | — |  | 5 |  | 63 |  | 234 |  | 202 |  | 1,290 |  | 1,794 |
No FICO score available | — |  | — |  | — |  | — |  | 2 |  | 6 |  | 7 |  | 44 |  | 59 |
Total home equity loans | $ | — |  | $ | — |  | $ | — |  | $ | 147 |  | $ | 1,713 |  | $ | 2,854 |  | $ | 8,373 |  | $ | 12,904 |  | $ | 25,991 |
Gross charge-offs (a) | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1 |  | $ | 16 |  | $ | 19 |  | $ | 36 |
(a)Gross charge-offs are presented on a year-to-date basis, as of the period end date. (b)Beginning January 1, 2022, new originations consist of only revolving home equity lines of credit. Automobile, Credit Card, Education and Other Consumer The following table presents credit quality indicators for our automobile, credit card, education and other consumer loan classes: Table 46: Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes
| Term Loans by Origination Year |  |  |
September 30, 2025 In millions | 2025 |  | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Automobile |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 3,417 |  |  | $ | 2,211 |  | $ | 1,177 |  | $ | 715 |  | $ | 491 |  | $ | 129 |  | $ | — |  | $ | — |  | $ | 8,140 |
720 to 779 | 1,826 |  |  | 1,429 |  | 710 |  | 388 |  | 222 |  | 78 |  | — |  | — |  | 4,653 |
660 to 719 | 655 |  |  | 757 |  | 446 |  | 234 |  | 129 |  | 58 |  | — |  | — |  | 2,279 |
Less than 660 | 153 |  |  | 351 |  | 310 |  | 185 |  | 119 |  | 82 |  | — |  | — |  | 1,200 |
Total automobile loans | $ | 6,051 |  |  | $ | 4,748 |  | $ | 2,643 |  | $ | 1,522 |  | $ | 961 |  | $ | 347 |  | $ | — |  | $ | — |  | $ | 16,272 |
Gross charge-offs (a) | $ | 3 |  |  | $ | 28 |  | $ | 30 |  | $ | 16 |  | $ | 9 |  | $ | 11 |  | $ | — |  | $ | — |  | $ | 97 |
Credit card |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | — |  |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,013 |  | $ | 2 |  | $ | 2,015 |
720 to 779 | — |  |  | — |  | — |  | — |  | — |  | — |  | 1,789 |  | 5 |  | 1,794 |
660 to 719 | — |  |  | — |  | — |  | — |  | — |  | — |  | 1,752 |  | 16 |  | 1,768 |
Less than 660 | — |  |  | — |  | — |  | — |  | — |  | — |  | 902 |  | 55 |  | 957 |
No FICO score available or required (b) | — |  |  | — |  | — |  | — |  | — |  | — |  | 100 |  | 2 |  | 102 |
Total credit card loans | $ | — |  |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 6,556 |  | $ | 80 |  | $ | 6,636 |
Gross charge-offs (a) | $ | — |  |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 216 |  | $ | 31 |  | $ | 247 |
Education |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 13 |  |  | $ | 43 |  | $ | 50 |  | $ | 71 |  | $ | 34 |  | $ | 296 |  | $ | — |  | $ | — |  | $ | 507 |
720 to 779 | 17 |  |  | 27 |  | 30 |  | 32 |  | 15 |  | 105 |  | — |  | — |  | 226 |
660 to 719 | 8 |  |  | 10 |  | 12 |  | 12 |  | 6 |  | 43 |  | — |  | — |  | 91 |
Less than 660 | 2 |  |  | 2 |  | 4 |  | 3 |  | 1 |  | 19 |  | — |  | — |  | 31 |
No FICO score available or required (b) | 12 |  |  | 6 |  | 4 |  | 3 |  | 1 |  | — |  | — |  | — |  | 26 |
Total loans using FICO credit metric | 52 |  |  | 88 |  | 100 |  | 121 |  | 57 |  | 463 |  | — |  | — |  | 881 |
Other internal credit metrics | — |  |  | — |  | — |  | — |  | — |  | 640 |  | — |  | — |  | 640 |
Total education loans | $ | 52 |  |  | $ | 88 |  | $ | 100 |  | $ | 121 |  | $ | 57 |  | $ | 1,103 |  | $ | — |  | $ | — |  | $ | 1,521 |
Gross charge-offs (a) | $ | — |  |  | $ | — |  | $ | 1 |  | $ | 1 |  | $ | 1 |  | $ | 9 |  | $ | — |  | $ | — |  | $ | 12 |
Other consumer |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 212 |  |  | $ | 156 |  | $ | 73 |  | $ | 32 |  | $ | 9 |  | $ | 4 |  | $ | 34 |  | $ | — |  | $ | 520 |
720 to 779 | 244 |  |  | 181 |  | 77 |  | 35 |  | 8 |  | 4 |  | 65 |  | 1 |  | 615 |
660 to 719 | 185 |  |  | 133 |  | 61 |  | 36 |  | 9 |  | 5 |  | 71 |  | — |  | 500 |
Less than 660 | 30 |  |  | 41 |  | 26 |  | 20 |  | 7 |  | 3 |  | 38 |  | 1 |  | 166 |
Total loans using FICO credit metric | 671 |  |  | 511 |  | 237 |  | 123 |  | 33 |  | 16 |  | 208 |  | 2 |  | 1,801 |
Other internal credit metrics | 7 |  |  | 5 |  | 19 |  | 45 |  | 10 |  | 90 |  | 2,249 |  | 7 |  | 2,432 |
Total other consumer loans | $ | 678 |  |  | $ | 516 |  | $ | 256 |  | $ | 168 |  | $ | 43 |  | $ | 106 |  | $ | 2,457 |  | $ | 9 |  | $ | 4,233 |
Gross charge-offs (a) | $ | 60 |  | (c) | $ | 19 |  | $ | 16 |  | $ | 10 |  | $ | 3 |  | $ | 3 |  | $ | 7 |  | $ | — |  | $ | 118 |
(Continued from previous page) | Term Loans by Origination Year |  |  |
December 31, 2024 In millions | 2024 |  | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Automobile |  |  |  |  |  |  |  |  |  |
Updated FICO Scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 3,288 |  |  | $ | 1,717 |  | $ | 1,094 |  | $ | 865 |  | $ | 241 |  | $ | 125 |  | $ | — |  | $ | — |  | $ | 7,330 |
720 to 779 | 2,047 |  |  | 1,123 |  | 636 |  | 415 |  | 129 |  | 90 |  | — |  | — |  | 4,440 |
660 to 719 | 963 |  |  | 671 |  | 367 |  | 227 |  | 82 |  | 74 |  | — |  | — |  | 2,384 |
Less than 660 | 246 |  |  | 351 |  | 231 |  | 174 |  | 87 |  | 112 |  | — |  | — |  | 1,201 |
Total automobile loans | $ | 6,544 |  |  | $ | 3,862 |  | $ | 2,328 |  | $ | 1,681 |  | $ | 539 |  | $ | 401 |  | $ | — |  | $ | — |  | $ | 15,355 |
Gross charge-offs (a) | $ | 9 |  |  | $ | 44 |  | $ | 27 |  | $ | 17 |  | $ | 12 |  | $ | 22 |  | $ | — |  | $ | — |  | $ | 131 |
Credit card |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | — |  |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,090 |  | $ | 2 |  | $ | 2,092 |
720 to 779 | — |  |  | — |  | — |  | — |  | — |  | — |  | 1,859 |  | 5 |  | 1,864 |
660 to 719 | — |  |  | — |  | — |  | — |  | — |  | — |  | 1,815 |  | 16 |  | 1,831 |
Less than 660 | — |  |  | — |  | — |  | — |  | — |  | — |  | 936 |  | 57 |  | 993 |
No FICO score available or required (b) | — |  |  | — |  | — |  | — |  | — |  | — |  | 97 |  | 2 |  | 99 |
Total credit card loans | $ | — |  |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 6,797 |  | $ | 82 |  | $ | 6,879 |
Gross charge-offs (a) | $ | — |  |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 316 |  | $ | 39 |  | $ | 355 |
Education |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 22 |  |  | $ | 58 |  | $ | 79 |  | $ | 39 |  | $ | 33 |  | $ | 318 |  | $ | — |  | $ | — |  | $ | 549 |
720 to 779 | 20 |  |  | 36 |  | 38 |  | 20 |  | 14 |  | 116 |  | — |  | — |  | 244 |
660 to 719 | 13 |  |  | 14 |  | 15 |  | 6 |  | 5 |  | 46 |  | — |  | — |  | 99 |
Less than 660 | 3 |  |  | 3 |  | 3 |  | 1 |  | 1 |  | 19 |  | — |  | — |  | 30 |
No FICO score available or required (b) | 12 |  |  | 5 |  | 4 |  | 1 |  | — |  | 1 |  | — |  | — |  | 23 |
Total loans using FICO credit metric | 70 |  |  | 116 |  | 139 |  | 67 |  | 53 |  | 500 |  | — |  | — |  | 945 |
Other internal credit metrics | — |  |  | — |  | — |  | — |  | — |  | 691 |  | — |  | — |  | 691 |
Total education loans | $ | 70 |  |  | $ | 116 |  | $ | 139 |  | $ | 67 |  | $ | 53 |  | $ | 1,191 |  | $ | — |  | $ | — |  | $ | 1,636 |
Gross charge-offs (a) | $ | — |  |  | $ | — |  | $ | 1 |  | $ | 1 |  | $ | 1 |  | $ | 16 |  | $ | — |  | $ | — |  | $ | 19 |
Other consumer |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 245 |  |  | $ | 129 |  | $ | 64 |  | $ | 20 |  | $ | 5 |  | $ | 6 |  | $ | 37 |  | $ | 1 |  | $ | 507 |
720 to 779 | 292 |  |  | 141 |  | 70 |  | 21 |  | 6 |  | 6 |  | 72 |  | 1 |  | 609 |
660 to 719 | 203 |  |  | 97 |  | 72 |  | 22 |  | 8 |  | 6 |  | 79 |  | 1 |  | 488 |
Less than 660 | 20 |  |  | 33 |  | 34 |  | 15 |  | 6 |  | 5 |  | 40 |  | 1 |  | 154 |
Total loans using FICO credit metric | 760 |  |  | 400 |  | 240 |  | 78 |  | 25 |  | 23 |  | 228 |  | 4 |  | 1,758 |
Other internal credit metrics | 6 |  |  | 9 |  | 77 |  | 12 |  | 11 |  | 90 |  | 2,056 |  | 8 |  | 2,269 |
Total other consumer loans | $ | 766 |  |  | $ | 409 |  | $ | 317 |  | $ | 90 |  | $ | 36 |  | $ | 113 |  | $ | 2,284 |  | $ | 12 |  | $ | 4,027 |
Gross charge-offs (a) | $ | 76 |  | (c) | $ | 27 |  | $ | 26 |  | $ | 13 |  | $ | 8 |  | $ | 9 |  | $ | 11 |  | $ | 1 |  | $ | 171 |
(a)Gross charge-offs are presented on a year-to-date basis, as of the period end date. (b)Loans where FICO scores are not available or required generally refers to new accounts issued to borrowers with limited credit history, accounts for which we cannot obtain an updated FICO score (e.g., recent profile changes), cards issued with a business name and/or cards secured by collateral. Management proactively assesses the risk and size of this loan category and, when necessary, takes actions to mitigate the credit risk. (c)Includes charge-offs of deposit overdrafts.
Financing Receivable, Modified | The following table presents the amortized cost basis, as of the period end date, of FDMs granted during the three and nine months ended September 30, 2025 and 2024: Table 47: Loan Modifications Granted to Borrowers Experiencing Financial Difficulty (a) (b)
Three months ended September 30, 2025 Dollars in millions | Interest Rate Reduction | Term Extension | Payment Delay | Repayment Plan | Payment Delay and Term Extension | Interest Rate Reduction and Term Extension | Interest Rate Reduction and Payment Delay | Interest Rate Reduction, Payment Delay, and Term Extension | Other (c) | Total | % of Loan Class |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  | $ | 452 |  | $ | 47 |  | $ | — |  | $ | 26 |  | $ | 23 |  | $ | — |  | $ | — |  | $ | 105 |  | $ | 653 |  | 0.34 | % |
Commercial real estate | — |  | 214 |  | 29 |  | — |  | — |  | 27 |  | — |  | — |  | — |  | 270 |  | 0.89 | % |
Total commercial | — |  | 666 |  | 76 |  | — |  | 26 |  | 50 |  | — |  | — |  | 105 |  | 923 |  | 0.41 | % |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | — |  | — |  | 71 |  | — |  | — |  | 1 |  | — |  | — |  | 6 |  | 78 |  | 0.17 | % |
Home equity | — |  | — |  | 2 |  | 1 |  | — |  | — |  | — |  | — |  | 11 |  | 14 |  | 0.05 | % |
Credit card | — |  | — |  | — |  | 17 |  | — |  | — |  | — |  | — |  | — |  | 17 |  | 0.26 | % |
Education | — |  | 1 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 1 |  | 0.07 | % |
Total consumer | — |  | 1 |  | 73 |  | 18 |  | — |  | 1 |  | — |  | — |  | 17 |  | 110 |  | 0.11 | % |
Total | $ | — |  | $ | 667 |  | $ | 149 |  | $ | 18 |  | $ | 26 |  | $ | 51 |  | $ | — |  | $ | — |  | $ | 122 |  | $ | 1,033 |  | 0.32 | % |
Three months ended September 30, 2024 Dollars in millions |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  | $ | 372 |  | $ | 19 |  | $ | — |  | $ | 6 |  | $ | 11 |  | $ | — |  | $ | — |  | $ | 2 |  | $ | 410 |  | 0.23 | % |
Commercial real estate | — |  | 253 |  | 87 |  | — |  | — |  | — |  | — |  | — |  | 14 |  | 354 |  | 1.01 | % |
Total commercial | — |  | 625 |  | 106 |  | — |  | 6 |  | 11 |  | — |  | — |  | 16 |  | 764 |  | 0.35 | % |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | — |  | — |  | 28 |  | — |  | — |  | 1 |  | — |  | — |  | 4 |  | 33 |  | 0.07 | % |
Home equity | — |  | — |  | 3 |  | 1 |  | — |  | — |  | — |  | — |  | 6 |  | 10 |  | 0.04 | % |
Credit card | — |  | — |  | — |  | 21 |  | — |  | — |  | — |  | — |  | — |  | 21 |  | 0.31 | % |
Education | — |  | 1 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 1 |  | 0.06 | % |
Total consumer | — |  | 1 |  | 31 |  | 22 |  | — |  | 1 |  | — |  | — |  | 10 |  | 65 |  | 0.06 | % |
Total | $ | — |  | $ | 626 |  | $ | 137 |  | $ | 22 |  | $ | 6 |  | $ | 12 |  | $ | — |  | $ | — |  | $ | 26 |  | $ | 829 |  | 0.26 | % |
(Continued from previous page) Nine months ended September 30, 2025 Dollars in millions | Interest Rate Reduction | Term Extension | Payment Delay | Repayment Plan | Payment Delay and Term Extension | Interest Rate Reduction and Term Extension | Interest Rate Reduction and Payment Delay | Interest Rate Reduction, Payment Delay, and Term Extension | Other (c) | Total | % of Loan Class |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  | $ | 1,009 |  | $ | 63 |  | $ | — |  | $ | 45 |  | $ | 25 |  | $ | — |  | $ | 12 |  | $ | 142 |  | $ | 1,296 |  | 0.68 | % |
Commercial real estate | — |  | 604 |  | 29 |  | — |  | — |  | 27 |  | — |  | — |  | 14 |  | 674 |  | 2.23 | % |
Total commercial | — |  | 1,613 |  | 92 |  | — |  | 45 |  | 52 |  | — |  | 12 |  | 156 |  | 1,970 |  | 0.87 | % |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | — |  | 1 |  | 130 |  | — |  | — |  | 4 |  | — |  | — |  | 6 |  | 141 |  | 0.32 | % |
Home equity | — |  | — |  | 5 |  | 5 |  | — |  | — |  | — |  | — |  | 19 |  | 29 |  | 0.11 | % |
Credit card | — |  | — |  | — |  | 44 |  | — |  | — |  | — |  | — |  | — |  | 44 |  | 0.66 | % |
Education | — |  | 4 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 4 |  | 0.26 | % |
Other consumer | — |  | 1 |  | — |  | 1 |  | 1 |  | — |  | — |  | — |  | — |  | 3 |  | 0.07 | % |
Total consumer | — |  | 6 |  | 135 |  | 50 |  | 1 |  | 4 |  | — |  | — |  | 25 |  | 221 |  | 0.22 | % |
Total | $ | — |  | $ | 1,619 |  | $ | 227 |  | $ | 50 |  | $ | 46 |  | $ | 56 |  | $ | — |  | $ | 12 |  | $ | 181 |  | $ | 2,191 |  | 0.67 | % |
Nine months ended September 30, 2024 Dollars in millions |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 27 |  | $ | 927 |  | $ | 34 |  | $ | — |  | $ | 157 |  | $ | 104 |  | $ | 15 |  | $ | — |  | $ | 85 |  | $ | 1,349 |  | 0.75 | % |
Commercial real estate | — |  | 926 |  | 101 |  | — |  | 147 |  | — |  | — |  | — |  | — |  | 1174 |  | 3.34 | % |
Total commercial | 27 |  | 1,853 |  | 135 |  | — |  | 304 |  | 104 |  | 15 |  | — |  | 85 |  | 2,523 |  | 1.14 | % |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | — |  | 1 |  | 67 |  | — |  | — |  | 3 |  | — |  | — |  | 8 |  | 79 |  | 0.17 | % |
Home equity | — |  | — |  | 10 |  | 5 |  | — |  | — |  | — |  | — |  | 12 |  | 27 |  | 0.10 | % |
Credit card | — |  | — |  | — |  | 52 |  | — |  | — |  | — |  | — |  | — |  | 52 |  | 0.76 | % |
Education | — |  | 4 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 4 |  | 0.24 | % |
Other consumer | — |  | — |  | — |  | 1 |  | — |  | — |  | — |  | — |  | — |  | 1 |  | 0.02 | % |
Total consumer | — |  | 5 |  | 77 |  | 58 |  | — |  | 3 |  | — |  | — |  | 20 |  | 163 |  | 0.16 | % |
Total | $ | 27 |  | $ | 1,858 |  | $ | 212 |  | $ | 58 |  | $ | 304 |  | $ | 107 |  | $ | 15 |  | $ | — |  | $ | 105 |  | $ | 2,686 |  | 0.84 | % |
(a)The unfunded lending related commitments on FDMs granted during the nine months ended September 30, 2025 and 2024 were $0.7 billion and $0.5 billion, respectively. (b)Excludes the amortized cost basis of modified loans that were paid off, charged off or otherwise liquidated as of the period end date. (c)Represents all other modifications and includes trial modifications and loans where we have received notification that a borrower has filed for Chapter 7 bankruptcy relief, but specific instructions as to the terms of the relief have not been formally ruled upon by the court. Table 48 presents the weighted average financial effect of FDMs granted during the three and nine months ended September 30, 2025 and 2024. Table 48: Financial Effect of FDMs (a)
Three months ended September 30, 2025 Dollars in millions |  | Amortized cost basis (b) |  | Weighted Average Financial Effect |
Term Extension |  |  |  |  |
Commercial and industrial |  | $501 |  | Extended contractual term by 25 months. |
Commercial real estate |  | $241 |  | Extended contractual term by 6 months. |
Residential real estate |  | $1 |  | Extended contractual term by 162 months. |
Education |  | $1 |  | Extended contractual term by 11 months. |
Interest Rate Reduction |  |  |  |  |
Commercial and industrial |  | $23 |  | Reduced contractual interest rate by 3.41%. |
Commercial real estate |  | $27 |  | Reduced contractual interest rate by 1.04%. |
Residential real estate |  | $1 |  | Reduced contractual interest rate by 1.73%. |
Payment Delay |  |  |  |  |
Commercial and industrial |  | $73 |  | Provided 2 months of payment deferral. |
Commercial real estate |  | $29 |  | Provided 6 months of payment deferral. |
Residential real estate |  | $71 |  | Provided 9 months of payment deferral. |
Home equity |  | $2 |  | Provided 5 months of payment deferral. |
Three months ended September 30, 2024 Dollars in millions |  | Amortized cost basis (b) |  | Weighted Average Financial Effect |
Term Extension |  |  |  |  |
Commercial and industrial |  | $389 |  | Extended contractual term by 11 months. |
Commercial real estate |  | $253 |  | Extended contractual term by 17 months. |
Residential real estate |  | $1 |  | Extended contractual term by 28 months. |
Education |  | $1 |  | Extended contractual term by 12 months. |
Interest Rate Reduction |  |  |  |  |
Commercial and industrial |  | $11 |  | Reduced contractual interest rate by 1.52%. |
Residential real estate |  | $1 |  | Reduced contractual interest rate by 1.48%. |
Payment Delay |  |  |  |  |
Commercial and industrial |  | $25 |  | Provided 3 months of payment deferral. |
Commercial real estate |  | $87 |  | Provided 8 months of payment deferral. |
Residential real estate |  | $28 |  | Provided 10 months of payment deferral. |
Home equity |  | $3 |  | Provided 5 months of payment deferral. |
(Continued from previous page) Nine months ended September 30, 2025 Dollars in millions |  | Amortized cost basis (b) |  | Weighted Average Financial Effect |
Term Extension |  |  |  |  |
Commercial and industrial |  | $1,091 |  | Extended contractual term by 23 months. |
Commercial real estate |  | $631 |  | Extended contractual term by 14 months. |
Residential real estate |  | $5 |  | Extended contractual term by 172 months. |
Education |  | $4 |  | Extended contractual term by 16 months. |
Other consumer |  | $2 |  | Extended contractual term by 32 months. |
Interest Rate Reduction |  |  |  |  |
Commercial and industrial |  | $37 |  | Reduced contractual interest rate by 2.57%. |
Commercial real estate |  | $27 |  | Reduced contractual interest rate by 1.04%. |
Residential real estate |  | $4 |  | Reduced contractual interest rate by 1.25%. |
Payment Delay |  |  |  |  |
Commercial and industrial |  | $120 |  | Provided 6 months of payment deferral. |
Commercial real estate |  | $29 |  | Provided 6 months of payment deferral. |
Residential real estate |  | $130 |  | Provided 9 months of payment deferral. |
Home equity |  | $5 |  | Provided 5 months of payment deferral. |
Other consumer |  | $1 |  | Provided 24 months of payment deferral. |
Nine months ended September 30, 2024 Dollars in millions |  | Amortized cost basis (b) |  | Weighted Average Financial Effect |
Term Extension |  |  |  |  |
Commercial and industrial |  | $1,188 |  | Extended contractual term by 14 months. |
Commercial real estate |  | $1,073 |  | Extended contractual term by 15 months. |
Residential real estate |  | $4 |  | Extended contractual term by 81 months. |
Education |  | $4 |  | Extended contractual term by 12 months. |
Interest Rate Reduction |  |  |  |  |
Commercial and industrial |  | $146 |  | Reduced contractual interest rate by 1.45%. |
Residential real estate |  | $3 |  | Reduced contractual interest rate by 0.83%. |
Payment Delay |  |  |  |  |
Commercial and industrial |  | $206 |  | Provided 8 months of payment deferral. |
Commercial real estate |  | $248 |  | Provided 7 months of payment deferral. |
Residential real estate |  | $67 |  | Provided 9 months of payment deferral. |
Home equity |  | $10 |  | Provided 4 months of payment deferral. |
(a)Excludes the financial effects of modifications for loans that were paid off, charged off or otherwise liquidated as of the period end date. (b)The amortized cost basis presented in Table 48 includes combination modification categories in addition to the standalone modification categories presented in Table 47. Primarily due to this reason, the amortized cost basis presented in Table 48 may not agree to the amortized cost basis presented alongside the standalone modification categories in Table 47. Amortized cost basis is as of the period end date. The following table presents the performance, as of the period end date, of FDMs granted during the twelve months preceding September 30, 2025 and 2024. Table 49: Delinquency Status of FDMs (a) (b)
Twelve months ended September 30, 2025 Dollars in millions | Current or Less Than 30 Days Past Due | 30-59 Days Past Due | 60-89 Days Past Due | 90 Days or More Past Due | Nonperforming Loans | Total
Commercial |  |  |  |  |  |
Commercial and industrial | $ | 1,261 |  | $ | 3 |  | $ | 1 |  | $ | — |  | $ | 116 |  | $ | 1,381 |
Commercial real estate | 662 |  | 1 |  | — |  | — |  | 223 |  | 886 |
Equipment lease financing | 1 |  | — |  | — |  | — |  | — |  | 1 |
Total commercial | 1,924 |  | 4 |  | 1 |  | — |  | 339 |  | 2,268 |
Consumer |  |  |  |  |  |
Residential real estate | 4 |  | — |  | — |  | — |  | 146 |  | 150 |
Home equity | 4 |  | — |  | — |  | — |  | 31 |  | 35 |
Credit card | 38 |  | 4 |  | 3 |  | 6 |  | 1 |  | 52 |
Education | 4 |  | — |  | — |  | — |  | — |  | 4 |
Other consumer | 2 |  | — |  | — |  | — |  | 2 |  | 4 |
Total consumer | 52 |  | 4 |  | 3 |  | 6 |  | 180 |  | 245 |
Total | $ | 1,976 |  | $ | 8 |  | $ | 4 |  | $ | 6 |  | $ | 519 |  | $ | 2,513 |
Twelve months ended September 30, 2024 Dollars in millions | Current or Less Than 30 Days Past Due | 30-59 Days Past Due | 60-89 Days Past Due | 90 Days or More Past Due | Nonperforming Loans | Total
Commercial |  |  |  |  |  |
Commercial and industrial | $ | 1,213 |  | $ | 18 |  | $ | 1 |  | $ | — |  | $ | 248 |  | $ | 1,480 |
Commercial real estate | 874 |  | — |  | — |  | — |  | 462 |  | 1,336 |
Total commercial | 2,087 |  | 18 |  | 1 |  | — |  | 710 |  | 2,816 |
Consumer |  |  |  |  |  |
Residential real estate | 8 |  | 1 |  | — |  | — |  | 83 |  | 92 |
Home equity | 5 |  | — |  | — |  | — |  | 27 |  | 32 |
Credit card | 43 |  | 5 |  | 4 |  | 7 |  | 1 |  | 60 |
Education | 4 |  | — |  | — |  | — |  | — |  | 4 |
Other consumer | — |  | — |  | — |  | — |  | 2 |  | 2 |
Total consumer | 60 |  | 6 |  | 4 |  | 7 |  | 113 |  | 190 |
Total | $ | 2,147 |  | $ | 24 |  | $ | 5 |  | $ | 7 |  | $ | 823 |  | $ | 3,006 |
(a)Represents amortized cost basis. (b)Loans in our Payment Delay category are reported as past due in accordance with their contractual terms. Once contractually modified, these loans are reported as past due in accordance with their restructured terms.
Rollforward of Allowance for Credit Losses | Table 50: Rollforward of Allowance for Credit Losses
| Three months ended September 30 |  |  | Nine months ended September 30
| 2025 | 2024 |  |  | 2025 | 2024
In millions | Commercial | Consumer | Total | Commercial | Consumer | Total |  |  | Commercial | Consumer | Total | Commercial | Consumer | Total
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 3,230 |  | $ | 1,293 |  | $ | 4,523 |  | $ | 3,243 |  | $ | 1,393 |  | $ | 4,636 |  |  |  | $ | 3,148 |  | $ | 1,338 |  | $ | 4,486 |  | $ | 3,259 |  | $ | 1,532 |  | $ | 4,791 |
Charge-offs | (116) |  | (168) |  | (284) |  | (200) |  | (176) |  | (376) |  |  |  | (410) |  | (510) |  | (920) |  | (546) |  | (535) |  | (1,081) |
Recoveries | 44 |  | 61 |  | 105 |  | 28 |  | 62 |  | 90 |  |  |  | 152 |  | 186 |  | 338 |  | 103 |  | 187 |  | 290 |
Net (charge-offs) | (72) |  | (107) |  | (179) |  | (172) |  | (114) |  | (286) |  |  |  | (258) |  | (324) |  | (582) |  | (443) |  | (348) |  | (791) |
Provision for credit losses | 23 |  | 113 |  | 136 |  | 151 |  | 84 |  | 235 |  |  |  | 282 |  | 285 |  | 567 |  | 408 |  | 178 |  | 586 |
Other | (3) |  | 1 |  | (2) |  | 4 |  | — |  | 4 |  |  |  | 6 |  | 1 |  | 7 |  | 2 |  | 1 |  | 3 |
Ending balance | $ | 3,178 |  | $ | 1,300 |  | $ | 4,478 |  | $ | 3,226 |  | $ | 1,363 |  | $ | 4,589 |  |  |  | $ | 3,178 |  | $ | 1,300 |  | $ | 4,478 |  | $ | 3,226 |  | $ | 1,363 |  | $ | 4,589 |
Allowance for unfunded lending related commitments (a) |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 616 |  | $ | 143 |  | $ | 759 |  | $ | 581 |  | $ | 136 |  | $ | 717 |  |  |  | $ | 580 |  | $ | 139 |  | $ | 719 |  | $ | 545 |  | $ | 118 |  | $ | 663 |
Provision for (recapture of) credit losses | 18 |  | (2) |  | 16 |  | (2) |  | 9 |  | 7 |  |  |  | 52 |  | 2 |  | 54 |  | 34 |  | 27 |  | 61 |
Other | (1) |  | 1 |  | — |  | 1 |  | — |  | 1 |  |  |  | 1 |  | 1 |  | 2 |  | 1 |  | — |  | 1 |
Ending balance | $ | 633 |  | $ | 142 |  | $ | 775 |  | $ | 580 |  | $ | 145 |  | $ | 725 |  |  |  | $ | 633 |  | $ | 142 |  | $ | 775 |  | $ | 580 |  | $ | 145 |  | $ | 725 |
Allowance for credit losses at September 30 (b) | $ | 3,811 |  | $ | 1,442 |  | $ | 5,253 |  | $ | 3,806 |  | $ | 1,508 |  | $ | 5,314 |  |  |  | $ | 3,811 |  | $ | 1,442 |  | $ | 5,253 |  | $ | 3,806 |  | $ | 1,508 |  | $ | 5,314 |
(a)See Note 8 Commitments for additional information about the underlying commitments related to this allowance. (b)Represents the ALLL plus allowance for unfunded lending related commitments and excludes allowances for investment securities and other financial assets, which together totaled $101 million and $111 million at September 30, 2025 and 2024, respectively.

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