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ALLOWANCE FOR CREDIT LOSSES, NONPERFORMING ASSETS, AND CONCENTRATIONS OF CREDIT RISK - Summary of Changes in Allowance for Credit Losses (Details) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended |  |  |  |
--- | --- | --- | --- | --- | --- | ---
Jun. 30, 2020 | Jun. 30, 2019 | Jun. 30, 2020 | Jun. 30, 2019 | Mar. 31, 2020 | Jan. 01, 2020 | Dec. 31, 2019 | Jan. 01, 2019
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |  |  |  |
Cumulative effect of change in accounting principle |  |  |  |  |  | $ (331) |  | $ 17
Provision charged to income |  |  | $ 1,064 | $ 182 |  |  |  |
Allowance for loan and lease losses |  |  |  |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | $ 2,171 | $ 1,245 | 1,252 | 1,242 |  |  |  |
Cumulative effect of change in accounting principle |  |  |  |  | $ 0 |  | $ 453 |
Allowance for loan and lease losses, beginning of period, adjusted |  |  |  |  | 2,171 |  | 1,705 |
Charge-offs | (180) | (156) | (354) | (294) |  |  |  |
Recoveries | 33 | 50 | 70 | 99 |  |  |  |
Net charge-offs | (147) | (106) | (284) | (195) |  |  |  |
Provision charged to income | 424 | 88 | 1,027 | 180 |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 2,448 | 1,227 | 2,448 | 1,227 |  |  |  |
Reserve for unfunded lending commitments |  |  |  |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 39 | 84 | 44 | 91 |  |  |  |
Cumulative effect of change in accounting principle |  |  |  |  | 0 |  | (2) |
Allowance for loan and lease losses, beginning of period, adjusted |  |  |  |  | 39 |  | 42 |
Provision for unfunded lending commitments | 40 | 9 | 37 | 2 |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 79 | 93 | 79 | 93 |  |  |  |
Commercial | Allowance for loan and lease losses |  |  |  |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 752 | 691 | 674 | 690 |  |  |  |
Cumulative effect of change in accounting principle |  |  |  |  | 0 |  | (176) |
Allowance for loan and lease losses, beginning of period, adjusted |  |  |  |  | 752 |  | 498 |
Charge-offs | (74) | (45) | (121) | (71) |  |  |  |
Recoveries | 3 | 12 | 6 | 14 |  |  |  |
Net charge-offs | (71) | (33) | (115) | (57) |  |  |  |
Provision charged to income | 554 | 22 | 852 | 47 |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 1,235 | 680 | 1,235 | 680 |  |  |  |
Commercial | Reserve for unfunded lending commitments |  |  |  |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 38 | 84 | 44 | 91 |  |  |  |
Cumulative effect of change in accounting principle |  |  |  |  | 0 |  | (3) |
Allowance for loan and lease losses, beginning of period, adjusted |  |  |  |  | 38 |  | 41 |
Provision for unfunded lending commitments | 31 | 9 | 28 | 2 |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 69 | 93 | 69 | 93 |  |  |  |
Retail | Allowance for loan and lease losses |  |  |  |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 1,419 | 554 | 578 | 552 |  |  |  |
Cumulative effect of change in accounting principle |  |  |  |  | 0 |  | 629 |
Allowance for loan and lease losses, beginning of period, adjusted |  |  |  |  | 1,419 |  | 1,207 |
Charge-offs | (106) | (111) | (233) | (223) |  |  |  |
Recoveries | 30 | 38 | 64 | 85 |  |  |  |
Net charge-offs | (76) | (73) | (169) | (138) |  |  |  |
Provision charged to income | (130) | 66 | 175 | 133 |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 1,213 | 547 | 1,213 | 547 |  |  |  |
Retail | Reserve for unfunded lending commitments |  |  |  |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | 1 | 0 | 0 | 0 |  |  |  |
Cumulative effect of change in accounting principle |  |  |  |  | 0 |  | 1 |
Allowance for loan and lease losses, beginning of period, adjusted |  |  |  |  | $ 1 |  | $ 1 |
Provision for unfunded lending commitments | 9 | 0 | 9 | 0 |  |  |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | $ 10 | $ 0 | $ 10 | $ 0 |  |  |  |

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