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v3.26.1

Loans and ACL - Allowance for Credit Losses (Details) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2026 | Jun. 30, 2025 | Jun. 30, 2026 | Jun. 30, 2025
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance |  |  | $ 5,030 |
Provision (Benefit) | $ 395 | $ 488 | 874 | $ 946
Ending balance | 4,983 |  | 4,983 |
Commercial: | Commercial and industrial |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 1,384 | 1,307 | 1,326 | 1,284
Charge-Offs | (137) | (120) | (279) | (222)
Recoveries | 22 | 31 | 38 | 55
Provision (Benefit) | 171 | 96 | 355 | 196
Other | 0 | (5) | 0 | (4)
Ending balance | 1,440 | 1,309 | 1,440 | 1,309
Commercial: | CRE |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 456 | 604 | 476 | 643
Charge-Offs | (1) | (38) | (8) | (108)
Recoveries | 1 | 3 | 4 | 10
Provision (Benefit) | (34) | (6) | (50) | 18
Other | 0 | 0 | 0 | 0
Ending balance | 422 | 563 | 422 | 563
Commercial: | Commercial construction |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 199 | 280 | 246 | 257
Charge-Offs | (1) | 0 | (18) | 0
Recoveries | 1 | 1 | 2 | 1
Provision (Benefit) | (48) | (22) | (79) | 1
Other | 0 | 0 | 0 | 0
Ending balance | 151 | 259 | 151 | 259
Consumer: | Residential mortgage |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 198 | 227 | 198 | 204
Charge-Offs | (1) | (1) | (2) | (2)
Recoveries | 1 | 0 | 3 | 2
Provision (Benefit) | (25) | (6) | (26) | 16
Other | 0 | 0 | 0 | 0
Ending balance | 173 | 220 | 173 | 220
Consumer: | Home equity |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 82 | 93 | 84 | 89
Charge-Offs | (3) | (4) | (6) | (6)
Recoveries | 3 | 4 | 6 | 8
Provision (Benefit) | (6) | (1) | (8) | 1
Other | 0 | 0 | 0 | 0
Ending balance | 76 | 92 | 76 | 92
Consumer: | Indirect auto |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 1,036 | 955 | 1,036 | 955
Charge-Offs | (135) | (127) | (293) | (281)
Recoveries | 29 | 28 | 54 | 53
Provision (Benefit) | 104 | 134 | 237 | 263
Other | 0 | 0 | 0 | 0
Ending balance | 1,034 | 990 | 1,034 | 990
Consumer: | Other consumer |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 1,258 | 989 | 1,238 | 994
Charge-Offs | (168) | (146) | (352) | (300)
Recoveries | 35 | 31 | 68 | 61
Provision (Benefit) | 158 | 177 | 329 | 296
Other | 0 | 0 | 0 | 0
Ending balance | 1,283 | 1,051 | 1,283 | 1,051
Credit card |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 413 | 415 | 426 | 431
Charge-Offs | (70) | (70) | (141) | (144)
Recoveries | 10 | 12 | 19 | 23
Provision (Benefit) | 51 | 58 | 100 | 105
Other | 0 | 0 | 0 | 0
Ending balance | 404 | 415 | 404 | 415
ALLL |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 5,026 | 4,870 | 5,030 | 4,857
Charge-Offs | (516) | (506) | (1,099) | (1,063)
Recoveries | 102 | 110 | 194 | 213
Provision (Benefit) | 371 | 430 | 858 | 896
Other | 0 | (5) | 0 | (4)
Ending balance | 4,983 | 4,899 | 4,983 | 4,899
RUFC |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 309 | 296 | 317 | 304
Charge-Offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision (Benefit) | 24 | 58 | 16 | 50
Other | 0 | 0 | 0 | 0
Ending balance | 333 | 354 | 333 | 354
ACL |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 5,335 | 5,166 | 5,347 | 5,161
Charge-Offs | (516) | (506) | (1,099) | (1,063)
Recoveries | 102 | 110 | 194 | 213
Provision (Benefit) | 395 | 488 | 874 | 946
Other | 0 | (5) | 0 | (4)
Ending balance | $ 5,316 | $ 5,253 | $ 5,316 | $ 5,253

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147477657/942-210-S45-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S50 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147478478/942-210-S50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(2)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1 Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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