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ALLOWANCE FOR CREDIT LOSSES, NONACCRUAL LOANS AND LEASES, AND CONCENTRATIONS OF CREDIT RISK - Summary of Changes in Allowance for Credit Losses (Details) - USD ($) $ in Millions | 3 Months Ended
--- | ---
Mar. 31, 2022 | Mar. 31, 2021
Allowance for Loan and Lease Losses [Roll Forward] |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Beginning balance | $ 1,758 |
Charge-offs | (59) |
Provision expense (benefit) for loans and leases | 3 | $ (140)
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 1,720 |
Allowance, Credit Loss |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 1,878 | 2,372
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 | 1,758 | 2,443
Charge-offs | (101) | (227)
Recoveries | 42 | 69
Net charge-offs | (59) | (158)
Provision expense (benefit) for loans and leases | 21 | (91)
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 1,720 | 2,194
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 | 176 | 227
Provision expense (benefit) for unfunded lending commitments | (18) | (49)
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 158 | 178
Commercial | Allowance, Credit Loss |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 925 | 1,311
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 | 821 | 1,233
Charge-offs | (14) | (134)
Recoveries | 3 | 30
Net charge-offs | (11) | (104)
Provision expense (benefit) for loans and leases | (32) | 17
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 778 | 1,146
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 | 153 | 186
Provision expense (benefit) for unfunded lending commitments | (6) | (21)
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 147 | 165
Retail | Allowance, Credit Loss |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 953 | 1,061
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 | 937 | 1,210
Charge-offs | (87) | (93)
Recoveries | 39 | 39
Net charge-offs | (48) | (54)
Provision expense (benefit) for loans and leases | 53 | (108)
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | 942 | 1,048
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 | 23 | 41
Provision expense (benefit) for unfunded lending commitments | (12) | (28)
Allowance for loan and lease losses / Reserve for unfunded lending commitments, Ending balance | $ 11 | $ 13

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- Definition Amount, after recovery, of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher SEC -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph (a) -Subparagraph (4) + Details
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