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ALLOWANCE FOR CREDIT LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2025
Credit Loss [Abstract] |
Allowance Roll-forward | The following table presents ACL activity by portfolio segment.
(dollar amounts in millions) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Commercial |  | Consumer |  | Total
Three months ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLL balance, beginning of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,548 |  |  | $ | 783 |  |  | $ | 2,331 |
Loan and lease charge-offs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (80) |  |  | (57) |  |  | (137) |
Recoveries of loans and leases previously charged-off |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44 |  |  | 18 |  |  | 62 |
Provision for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56 |  |  | 62 |  |  | 118 |
ALLL balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,568 |  |  | $ | 806 |  |  | $ | 2,374 |
AULC balance, beginning of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 124 |  |  | $ | 60 |  |  | $ | 184 |
Provision for unfunded lending commitments |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  | 3 |  |  | 4 |
AULC balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 125 |  |  | $ | 63 |  |  | $ | 188 |
ACL balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,693 |  |  | $ | 869 |  |  | $ | 2,562 |
Three months ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLL balance, beginning of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,587 |  |  | $ | 717 |  |  | $ | 2,304 |
Loan and lease charge-offs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (74) |  |  | (55) |  |  | (129) |
Recoveries of loans and leases previously charged-off |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20 |  |  | 16 |  |  | 36 |
Provision (benefit) for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (35) |  |  | 59 |  |  | 24 |
ALLL balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,498 |  |  | $ | 737 |  |  | $ | 2,235 |
AULC balance, beginning of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 64 |  |  | $ | 55 |  |  | $ | 119 |
Provision for unfunded lending commitments |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 76 |  |  | 6 |  |  | 82 |
AULC balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 140 |  |  | $ | 61 |  |  | $ | 201 |
ACL balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,638 |  |  | $ | 798 |  |  | $ | 2,436 |
Nine months ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLL balance, beginning of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,484 |  |  | $ | 760 |  |  | $ | 2,244 |
Loan and lease charge-offs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (210) |  |  | (171) |  |  | (381) |
Recoveries of loans and leases previously charged-off |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 99 |  |  | 55 |  |  | 154 |
Provision for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 195 |  |  | 162 |  |  | 357 |
ALLL balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,568 |  |  | $ | 806 |  |  | $ | 2,374 |
AULC balance, beginning of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 144 |  |  | $ | 58 |  |  | $ | 202 |
Provision (benefit) for unfunded lending commitments |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (19) |  |  | 5 |  |  | (14) |
AULC balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 125 |  |  | $ | 63 |  |  | $ | 188 |
ACL balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,693 |  |  | $ | 869 |  |  | $ | 2,562 |
Nine months ended September 30, 2024
ALLL balance, beginning of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,563 |  |  | $ | 692 |  |  | $ | 2,255 |
Loan and lease charge-offs |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (243) |  |  | (159) |  |  | (402) |
Recoveries of loans and leases previously charged-off |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77 |  |  | 50 |  |  | 127 |
Provision for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 101 |  |  | 154 |  |  | 255 |
ALLL balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,498 |  |  | $ | 737 |  |  | $ | 2,235 |
AULC balance, beginning of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 66 |  |  | $ | 79 |  |  | $ | 145 |
Provision (benefit) for unfunded lending commitments |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74 |  |  | (18) |  |  | 56 |
AULC balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 140 |  |  | $ | 61 |  |  | $ | 201 |
ACL balance, end of period |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,638 |  |  | $ | 798 |  |  | $ | 2,436 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- References No definition available. + Details
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