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CREDIT QUALITY AND THE ALLOWANCE FOR CREDIT LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2023
Receivables [Abstract] |
Schedule of changes in the allowance for credit losses | The following table presents PCD loan activity at the date of acquisition:
(dollars in millions) | April 6, 2022
Principal balance | $4,685 |
ALLL at acquisition | (101) |
Non-credit discount | (72) |
Purchase price | $4,512 |
The following table presents a summary of changes in the ACL for the year ended December 31, 2023:
| Year Ended December 31, 2023
(dollars in millions) | Commercial | Retail | Total
Allowance for loan and lease losses, beginning of period | $1,060 |  | $923 |  | $1,983 |
Charge-offs | (285) |  | (472) |  | (757) |
Recoveries | 18 |  | 130 |  | 148 |
Net charge-offs | (267) |  | (342) |  | (609) |
Provision expense (benefit) for loans and leases | 457 |  | 267 |  | 724 |
Allowance for loan and lease losses, end of period | 1,250 |  | 848 |  | 2,098 |
Allowance for unfunded lending commitments, beginning of period | 207 |  | 50 |  | 257 |
Provision expense (benefit) for unfunded lending commitments | (32) |  | (5) |  | (37) |
Allowance for unfunded lending commitments, end of period | 175 |  | 45 |  | 220 |
Total allowance for credit losses, end of period | $1,425 |  | $893 |  | $2,318 |
The following tables present a summary of changes in the ACL for the years ended December 31, 2022 and 2021:
| Year Ended December 31, 2022
(dollars in millions) | Commercial | Retail | Total
Allowance for loan and lease losses, beginning of period | $821 |  | $937 |  | $1,758 |
Allowance on PCD loans and leases at acquisition | 99 |  | 2 |  | 101 |
Charge-offs(1) | (70) |  | (364) |  | (434) |
Recoveries | 18 |  | 146 |  | 164 |
Net charge-offs | (52) |  | (218) |  | (270) |
Provision expense (benefit) for loans and leases(2) | 192 |  | 202 |  | 394 |
Allowance for loan and lease losses, end of period | 1,060 |  | 923 |  | 1,983 |
Allowance for unfunded lending commitments, beginning of period | 153 |  | 23 |  | 176 |
Provision expense (benefit) for unfunded lending commitments | 53 |  | 27 |  | 80 |
Allowance on PCD unfunded lending commitments at acquisition | 1 |  | — |  | 1 |
Allowance for unfunded lending commitments, end of period | 207 |  | 50 |  | 257 |
Total allowance for credit losses, end of period | $1,267 |  | $973 |  | $2,240 |
(1) Excludes $34 million of charge-offs previously taken by Investors or recognized upon completion of the Investors acquisition under purchase accounting for the year ended December 31, 2022. The initial allowance for loan and lease losses on PCD assets included these amounts and, after charging these amounts off upon acquisition, the net impact for PCD assets was $101 million of additional allowance for loan and lease losses. (2) Includes $169 million of initial provision expense related to non-PCD loans and leases acquired from HSBC and Investors for the year ended December 31, 2022.
| Year Ended December 31, 2021
(dollars in millions) | Commercial | Retail | Total
Allowance for loan and lease losses, beginning of period | $1,233 |  | $1,210 |  | $2,443 |
Charge-offs | (218) |  | (321) |  | (539) |
Recoveries | 54 |  | 160 |  | 214 |
Net charge-offs | (164) |  | (161) |  | (325) |
Provision expense (benefit) for loans and leases | (248) |  | (112) |  | (360) |
Allowance for loan and lease losses, end of period | 821 |  | 937 |  | 1,758 |
Allowance for unfunded lending commitments, beginning of period | 186 |  | 41 |  | 227 |
Provision expense (benefit) for unfunded lending commitments | (33) |  | (18) |  | (51) |
Allowance for unfunded lending commitments, end of period | 153 |  | 23 |  | 176 |
Total allowance for credit losses, end of period | $974 |  | $960 |  | $1,934 |
Schedule of loans that may increase credit exposure | The following table presents the amortized cost basis of commercial loans and leases by vintage date and internal risk rating as of December 31, 2023, and gross charge-offs by vintage date for the year ended December 31, 2023:
| Term Loans by Origination Year |  | Revolving Loans |  |
(dollars in millions) | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior to 2019 |  | Within the Revolving Period | Converted to Term |  | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $3,599 |  |  | $6,338 |  |  | $5,049 |  |  | $1,254 |  |  | $1,085 |  |  | $2,031 |  |  | $21,033 |  | $53 |  |  | $40,442 |
Special Mention | 59 |  |  | 194 |  |  | 354 |  |  | 29 |  |  | 48 |  |  | 113 |  |  | 368 |  | — |  |  | 1,165 |
Substandard Accrual | 5 |  |  | 175 |  |  | 325 |  |  | 212 |  |  | 121 |  |  | 284 |  |  | 792 |  | 11 |  |  | 1,925 |
Nonaccrual | 1 |  |  | 72 |  |  | 51 |  |  | 4 |  |  | 5 |  |  | 102 |  |  | 53 |  | 6 |  |  | 294 |
Total commercial and industrial | 3,664 |  |  | 6,779 |  |  | 5,779 |  |  | 1,499 |  |  | 1,259 |  |  | 2,530 |  |  | 22,246 |  | 70 |  |  | 43,826 |
Gross charge-offs | 1 |  |  | 3 |  |  | 34 |  |  | 4 |  |  | 1 |  |  | 34 |  |  | 44 |  | — |  |  | 121 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,906 |  |  | 5,791 |  |  | 6,062 |  |  | 2,555 |  |  | 2,294 |  |  | 3,895 |  |  | 1,975 |  | 8 |  |  | 24,486 |
Special Mention | — |  |  | 713 |  |  | 539 |  |  | 222 |  |  | 183 |  |  | 260 |  |  | 75 |  | — |  |  | 1,992 |
Substandard Accrual | — |  |  | 277 |  |  | 203 |  |  | 469 |  |  | 528 |  |  | 939 |  |  | 100 |  | — |  |  | 2,516 |
Nonaccrual | 1 |  |  | 66 |  |  | 2 |  |  | 23 |  |  | 144 |  |  | 238 |  |  | 3 |  | — |  |  | 477 |
Total commercial real estate | 1,907 |  |  | 6,847 |  |  | 6,806 |  |  | 3,269 |  |  | 3,149 |  |  | 5,332 |  |  | 2,153 |  | 8 |  |  | 29,471 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | 56 |  |  | 13 |  |  | 95 |  |  | — |  | — |  |  | 164 |
Leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 95 |  |  | 174 |  |  | 282 |  |  | 191 |  |  | 62 |  |  | 268 |  |  | — |  | — |  |  | 1,072 |
Special Mention | — |  |  | 27 |  |  | 1 |  |  | 1 |  |  | 2 |  |  | — |  |  | — |  | — |  |  | 31 |
Substandard Accrual | 3 |  |  | 14 |  |  | 12 |  |  | 6 |  |  | 4 |  |  | 3 |  |  | — |  | — |  |  | 42 |
Nonaccrual | — |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | 3 |
Total leases | 98 |  |  | 215 |  |  | 298 |  |  | 198 |  |  | 68 |  |  | 271 |  |  | — |  | — |  |  | 1,148 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 5,600 |  |  | 12,303 |  |  | 11,393 |  |  | 4,000 |  |  | 3,441 |  |  | 6,194 |  |  | 23,008 |  | 61 |  |  | 66,000 |
Special Mention | 59 |  |  | 934 |  |  | 894 |  |  | 252 |  |  | 233 |  |  | 373 |  |  | 443 |  | — |  |  | 3,188 |
Substandard Accrual | 8 |  |  | 466 |  |  | 540 |  |  | 687 |  |  | 653 |  |  | 1,226 |  |  | 892 |  | 11 |  |  | 4,483 |
Nonaccrual | 2 |  |  | 138 |  |  | 56 |  |  | 27 |  |  | 149 |  |  | 340 |  |  | 56 |  | 6 |  |  | 774 |
Total commercial(1) | $5,669 |  |  | $13,841 |  |  | $12,883 |  |  | $4,966 |  |  | $4,476 |  |  | $8,133 |  |  | $24,399 |  | $78 |  |  | $74,445 |
Gross charge-offs | $1 |  |  | $3 |  |  | $34 |  |  | $60 |  |  | $14 |  |  | $129 |  |  | $44 |  | $— |  |  | $285 |
(1) In the fourth quarter of 2023, the Company revised its presentation of commercial loans and leases by vintage date and internal risk rating to reflect how the Company currently manages the commercial credit portfolio. The Company now reports Substandard Accrual and Nonaccrual ratings, replacing previously reported ratings of Substandard and Doubtful, respectively. The prior period presentation was revised to conform to the new presentation. For more information regarding the Company’s internal risk ratings, see “Credit Quality Indicators” above. The following table presents the amortized cost basis of commercial loans and leases by vintage date and internal risk rating as of December 31, 2022:
| Term Loans by Origination Year |  | Revolving Loans |  |
(dollars in millions) | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior to 2018 |  | Within the Revolving Period | Converted to Term |  | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $8,304 |  |  | $8,469 |  |  | $2,224 |  |  | $2,074 |  |  | $1,334 |  |  | $1,952 |  |  | $24,211 |  | $148 |  |  | $48,716 |
Special Mention | 124 |  |  | 189 |  |  | 120 |  |  | 74 |  |  | 48 |  |  | 153 |  |  | 364 |  | — |  |  | 1,072 |
Substandard Accrual | 148 |  |  | 210 |  |  | 194 |  |  | 254 |  |  | 97 |  |  | 330 |  |  | 554 |  | 12 |  |  | 1,799 |
Nonaccrual | 12 |  |  | 22 |  |  | 10 |  |  | 6 |  |  | 43 |  |  | 33 |  |  | 119 |  | 4 |  |  | 249 |
Total commercial and industrial | 8,588 |  |  | 8,890 |  |  | 2,548 |  |  | 2,408 |  |  | 1,522 |  |  | 2,468 |  |  | 25,248 |  | 164 |  |  | 51,836 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 5,767 |  |  | 6,442 |  |  | 3,639 |  |  | 3,066 |  |  | 2,145 |  |  | 3,536 |  |  | 1,888 |  | 3 |  |  | 26,486 |
Special Mention | 1 |  |  | 119 |  |  | 103 |  |  | 390 |  |  | 99 |  |  | 113 |  |  | 62 |  | — |  |  | 887 |
Substandard Accrual | 91 |  |  | 15 |  |  | 75 |  |  | 248 |  |  | 346 |  |  | 591 |  |  | 23 |  | — |  |  | 1,389 |
Nonaccrual | 1 |  |  | 5 |  |  | 13 |  |  | 60 |  |  | 4 |  |  | 20 |  |  | — |  | — |  |  | 103 |
Total commercial real estate | 5,860 |  |  | 6,581 |  |  | 3,830 |  |  | 3,764 |  |  | 2,594 |  |  | 4,260 |  |  | 1,973 |  | 3 |  |  | 28,865 |
Leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 263 |  |  | 363 |  |  | 250 |  |  | 99 |  |  | 128 |  |  | 345 |  |  | — |  | — |  |  | 1,448 |
Special Mention | 4 |  |  | 5 |  |  | 2 |  |  | 6 |  |  | 1 |  |  | 3 |  |  | — |  | — |  |  | 21 |
Substandard Accrual | — |  |  | 4 |  |  | 3 |  |  | 3 |  |  | — |  |  | — |  |  | — |  | — |  |  | 10 |
Nonaccrual | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total leases | 267 |  |  | 372 |  |  | 255 |  |  | 108 |  |  | 129 |  |  | 348 |  |  | — |  | — |  |  | 1,479 |
Total commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 14,334 |  |  | 15,274 |  |  | 6,113 |  |  | 5,239 |  |  | 3,607 |  |  | 5,833 |  |  | 26,099 |  | 151 |  |  | 76,650 |
Special Mention | 129 |  |  | 313 |  |  | 225 |  |  | 470 |  |  | 148 |  |  | 269 |  |  | 426 |  | — |  |  | 1,980 |
Substandard Accrual | 239 |  |  | 229 |  |  | 272 |  |  | 505 |  |  | 443 |  |  | 921 |  |  | 577 |  | 12 |  |  | 3,198 |
Nonaccrual | 13 |  |  | 27 |  |  | 23 |  |  | 66 |  |  | 47 |  |  | 53 |  |  | 119 |  | 4 |  |  | 352 |
Total commercial(1) | $14,715 |  |  | $15,843 |  |  | $6,633 |  |  | $6,280 |  |  | $4,245 |  |  | $7,076 |  |  | $27,221 |  | $167 |  |  | $82,180 |
(1) In the fourth quarter of 2023, the Company revised its presentation of commercial loans and leases by vintage date and internal risk rating to reflect how the Company currently manages the commercial credit portfolio. The Company now reports Substandard Accrual and Nonaccrual ratings, replacing previously reported ratings of Substandard and Doubtful, respectively. The prior period presentation was revised to conform to the new presentation. For more information regarding the Company’s internal risk ratings, see “Credit Quality Indicators” above. The following table presents the amortized cost basis of retail loans by vintage date and current FICO score as of December 31, 2023, and gross charge-offs by vintage date for the year ended December 31, 2023:
| Term Loans by Origination Year |  | Revolving Loans |  |
(dollars in millions) | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior to 2019 |  | Within the Revolving Period | Converted to Term |  | Total
Residential mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | $889 |  |  | $3,067 |  |  | $5,172 |  |  | $3,117 |  |  | $1,131 |  |  | $3,125 |  |  | $— |  | $— |  |  | $16,501 |
740-799 | 1,333 |  |  | 1,940 |  |  | 2,560 |  |  | 1,411 |  |  | 592 |  |  | 1,625 |  |  | — |  | — |  |  | 9,461 |
680-739 | 367 |  |  | 631 |  |  | 758 |  |  | 466 |  |  | 266 |  |  | 873 |  |  | — |  | — |  |  | 3,361 |
620-679 | 54 |  |  | 135 |  |  | 165 |  |  | 90 |  |  | 121 |  |  | 445 |  |  | — |  | — |  |  | 1,010 |
<620 | 9 |  |  | 48 |  |  | 104 |  |  | 95 |  |  | 161 |  |  | 561 |  |  | — |  | — |  |  | 978 |
No FICO available(1) | 1 |  |  | — |  |  | 2 |  |  | 1 |  |  | 3 |  |  | 14 |  |  | — |  | — |  |  | 21 |
Total residential mortgages | 2,653 |  |  | 5,821 |  |  | 8,761 |  |  | 5,180 |  |  | 2,274 |  |  | 6,643 |  |  | — |  | — |  |  | 31,332 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | 4 |  |  | — |  | — |  |  | 6 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | — |  |  | 4 |  |  | 4 |  |  | 1 |  |  | 4 |  |  | 91 |  |  | 5,078 |  | 222 |  |  | 5,404 |
740-799 | — |  |  | 1 |  |  | 2 |  |  | 1 |  |  | 3 |  |  | 82 |  |  | 4,708 |  | 241 |  |  | 5,038 |
680-739 | 1 |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 5 |  |  | 93 |  |  | 2,693 |  | 202 |  |  | 2,998 |
620-679 | — |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 8 |  |  | 77 |  |  | 718 |  | 137 |  |  | 944 |
<620 | — |  |  | 2 |  |  | 1 |  |  | 1 |  |  | 10 |  |  | 80 |  |  | 332 |  | 230 |  |  | 656 |
Total home equity | 1 |  |  | 9 |  |  | 9 |  |  | 7 |  |  | 30 |  |  | 423 |  |  | 13,529 |  | 1,032 |  |  | 15,040 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 8 |  | 1 |  |  | 12 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | 81 |  |  | 539 |  |  | 1,062 |  |  | 368 |  |  | 162 |  |  | 47 |  |  | — |  | — |  |  | 2,259 |
740-799 | 134 |  |  | 671 |  |  | 1,038 |  |  | 375 |  |  | 165 |  |  | 52 |  |  | — |  | — |  |  | 2,435 |
680-739 | 147 |  |  | 577 |  |  | 708 |  |  | 252 |  |  | 118 |  |  | 39 |  |  | — |  | — |  |  | 1,841 |
620-679 | 94 |  |  | 316 |  |  | 345 |  |  | 112 |  |  | 65 |  |  | 26 |  |  | — |  | — |  |  | 958 |
<620 | 44 |  |  | 232 |  |  | 291 |  |  | 100 |  |  | 66 |  |  | 32 |  |  | — |  | — |  |  | 765 |
No FICO available(1) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | — |
Total automobile | 500 |  |  | 2,335 |  |  | 3,444 |  |  | 1,207 |  |  | 576 |  |  | 196 |  |  | — |  | — |  |  | 8,258 |
Gross charge-offs | 3 |  |  | 34 |  |  | 41 |  |  | 14 |  |  | 12 |  |  | 9 |  |  | — |  | — |  |  | 113 |
Education |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | 296 |  |  | 671 |  |  | 1,637 |  |  | 1,418 |  |  | 600 |  |  | 1,185 |  |  | — |  | — |  |  | 5,807 |
740-799 | 368 |  |  | 694 |  |  | 1,050 |  |  | 850 |  |  | 369 |  |  | 678 |  |  | — |  | — |  |  | 4,009 |
680-739 | 143 |  |  | 289 |  |  | 333 |  |  | 273 |  |  | 134 |  |  | 298 |  |  | — |  | — |  |  | 1,470 |
620-679 | 30 |  |  | 65 |  |  | 68 |  |  | 58 |  |  | 32 |  |  | 107 |  |  | — |  | — |  |  | 360 |
<620 | 5 |  |  | 18 |  |  | 25 |  |  | 23 |  |  | 15 |  |  | 55 |  |  | — |  | — |  |  | 141 |
No FICO available(1) | 10 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 36 |  |  | — |  | — |  |  | 47 |
Total education | 852 |  |  | 1,737 |  |  | 3,114 |  |  | 2,622 |  |  | 1,150 |  |  | 2,359 |  |  | — |  | — |  |  | 11,834 |
Gross charge-offs | — |  |  | 5 |  |  | 19 |  |  | 25 |  |  | 17 |  |  | 45 |  |  | — |  | — |  |  | 111 |
Other retail |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | 183 |  |  | 70 |  |  | 38 |  |  | 35 |  |  | 16 |  |  | 18 |  |  | 500 |  | — |  |  | 860 |
740-799 | 258 |  |  | 87 |  |  | 46 |  |  | 45 |  |  | 21 |  |  | 19 |  |  | 963 |  | 1 |  |  | 1,440 |
680-739 | 214 |  |  | 76 |  |  | 39 |  |  | 39 |  |  | 18 |  |  | 11 |  |  | 973 |  | 2 |  |  | 1,372 |
620-679 | 118 |  |  | 48 |  |  | 23 |  |  | 19 |  |  | 6 |  |  | 4 |  |  | 419 |  | 2 |  |  | 639 |
<620 | 31 |  |  | 35 |  |  | 18 |  |  | 14 |  |  | 4 |  |  | 2 |  |  | 251 |  | 2 |  |  | 357 |
No FICO available(1) | 7 |  |  | 1 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 373 |  | — |  |  | 382 |
Total other retail | 811 |  |  | 317 |  |  | 164 |  |  | 153 |  |  | 65 |  |  | 54 |  |  | 3,479 |  | 7 |  |  | 5,050 |
Gross charge-offs | 49 |  |  | 24 |  |  | 8 |  |  | 8 |  |  | 11 |  |  | 9 |  |  | 121 |  | — |  |  | 230 |
Total retail |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | 1,449 |  |  | 4,351 |  |  | 7,913 |  |  | 4,939 |  |  | 1,913 |  |  | 4,466 |  |  | 5,578 |  | 222 |  |  | 30,831 |
740-799 | 2,093 |  |  | 3,393 |  |  | 4,696 |  |  | 2,682 |  |  | 1,150 |  |  | 2,456 |  |  | 5,671 |  | 242 |  |  | 22,383 |
680-739 | 872 |  |  | 1,574 |  |  | 1,839 |  |  | 1,032 |  |  | 541 |  |  | 1,314 |  |  | 3,666 |  | 204 |  |  | 11,042 |
620-679 | 296 |  |  | 565 |  |  | 602 |  |  | 281 |  |  | 232 |  |  | 659 |  |  | 1,137 |  | 139 |  |  | 3,911 |
<620 | 89 |  |  | 335 |  |  | 439 |  |  | 233 |  |  | 256 |  |  | 730 |  |  | 583 |  | 232 |  |  | 2,897 |
No FICO available(1) | 18 |  |  | 1 |  |  | 3 |  |  | 2 |  |  | 3 |  |  | 50 |  |  | 373 |  | — |  |  | 450 |
Total retail | $4,817 |  |  | $10,219 |  |  | $15,492 |  |  | $9,169 |  |  | $4,095 |  |  | $9,675 |  |  | $17,008 |  | $1,039 |  |  | $71,514 |
Gross charge-offs | $52 |  |  | $63 |  |  | $68 |  |  | $48 |  |  | $41 |  |  | $70 |  |  | $129 |  | $1 |  |  | $472 |
(1) Represents loans for which an updated FICO score was unavailable (e.g., due to recent profile changes). The following table presents the amortized cost basis of retail loans by vintage date and current FICO score as of December 31, 2022:
| Term Loans by Origination Year |  | Revolving Loans |  |
(dollars in millions) | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior to 2018 |  | Within the Revolving Period | Converted to Term |  | Total
Residential mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | $2,132 |  |  | $4,943 |  |  | $3,143 |  |  | $1,180 |  |  | $363 |  |  | $3,081 |  |  | $— |  | $— |  |  | $14,842 |
740-799 | 2,376 |  |  | 2,991 |  |  | 1,660 |  |  | 638 |  |  | 257 |  |  | 1,635 |  |  | — |  | — |  |  | 9,557 |
680-739 | 769 |  |  | 899 |  |  | 502 |  |  | 308 |  |  | 149 |  |  | 851 |  |  | — |  | — |  |  | 3,478 |
620-679 | 125 |  |  | 168 |  |  | 135 |  |  | 138 |  |  | 99 |  |  | 422 |  |  | — |  | — |  |  | 1,087 |
<620 | 17 |  |  | 68 |  |  | 77 |  |  | 165 |  |  | 147 |  |  | 455 |  |  | — |  | — |  |  | 929 |
No FICO available(1) | 2 |  |  | 2 |  |  | 2 |  |  | 3 |  |  | 2 |  |  | 17 |  |  | — |  | — |  |  | 28 |
Total residential mortgages | 5,421 |  |  | 9,071 |  |  | 5,519 |  |  | 2,432 |  |  | 1,017 |  |  | 6,461 |  |  | — |  | — |  |  | 29,921 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | 4 |  |  | 5 |  |  | 2 |  |  | 5 |  |  | 6 |  |  | 110 |  |  | 4,958 |  | 267 |  |  | 5,357 |
740-799 | 2 |  |  | 2 |  |  | 1 |  |  | 4 |  |  | 6 |  |  | 97 |  |  | 4,350 |  | 274 |  |  | 4,736 |
680-739 | 1 |  |  | 1 |  |  | 1 |  |  | 6 |  |  | 11 |  |  | 114 |  |  | 2,296 |  | 234 |  |  | 2,664 |
620-679 | — |  |  | 1 |  |  | 2 |  |  | 9 |  |  | 16 |  |  | 93 |  |  | 558 |  | 143 |  |  | 822 |
<620 | — |  |  | — |  |  | 2 |  |  | 12 |  |  | 18 |  |  | 82 |  |  | 178 |  | 172 |  |  | 464 |
Total home equity | 7 |  |  | 9 |  |  | 8 |  |  | 36 |  |  | 57 |  |  | 496 |  |  | 12,340 |  | 1,090 |  |  | 14,043 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | 650 |  |  | 1,453 |  |  | 584 |  |  | 324 |  |  | 120 |  |  | 54 |  |  | — |  | — |  |  | 3,185 |
740-799 | 962 |  |  | 1,606 |  |  | 649 |  |  | 343 |  |  | 134 |  |  | 56 |  |  | — |  | — |  |  | 3,750 |
680-739 | 920 |  |  | 1,187 |  |  | 460 |  |  | 254 |  |  | 102 |  |  | 44 |  |  | — |  | — |  |  | 2,967 |
620-679 | 554 |  |  | 586 |  |  | 205 |  |  | 133 |  |  | 62 |  |  | 28 |  |  | — |  | — |  |  | 1,568 |
<620 | 188 |  |  | 309 |  |  | 130 |  |  | 106 |  |  | 56 |  |  | 31 |  |  | — |  | — |  |  | 820 |
No FICO available(1) | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | 2 |
Total automobile | 3,276 |  |  | 5,141 |  |  | 2,028 |  |  | 1,160 |  |  | 474 |  |  | 213 |  |  | — |  | — |  |  | 12,292 |
Education |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | 548 |  |  | 1,720 |  |  | 1,567 |  |  | 694 |  |  | 410 |  |  | 1,068 |  |  | — |  | — |  |  | 6,007 |
740-799 | 735 |  |  | 1,351 |  |  | 1,126 |  |  | 486 |  |  | 267 |  |  | 609 |  |  | — |  | — |  |  | 4,574 |
680-739 | 363 |  |  | 423 |  |  | 356 |  |  | 170 |  |  | 103 |  |  | 288 |  |  | — |  | — |  |  | 1,703 |
620-679 | 54 |  |  | 76 |  |  | 62 |  |  | 38 |  |  | 29 |  |  | 102 |  |  | — |  | — |  |  | 361 |
<620 | 6 |  |  | 16 |  |  | 20 |  |  | 12 |  |  | 11 |  |  | 50 |  |  | — |  | — |  |  | 115 |
No FICO available(1) | 6 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 42 |  |  | — |  | — |  |  | 48 |
Total education | 1,712 |  |  | 3,586 |  |  | 3,131 |  |  | 1,400 |  |  | 820 |  |  | 2,159 |  |  | — |  | — |  |  | 12,808 |
Other retail |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | 182 |  |  | 105 |  |  | 93 |  |  | 48 |  |  | 25 |  |  | 27 |  |  | 491 |  | — |  |  | 971 |
740-799 | 230 |  |  | 134 |  |  | 121 |  |  | 68 |  |  | 31 |  |  | 25 |  |  | 974 |  | 1 |  |  | 1,584 |
680-739 | 175 |  |  | 109 |  |  | 103 |  |  | 52 |  |  | 21 |  |  | 14 |  |  | 993 |  | 4 |  |  | 1,471 |
620-679 | 108 |  |  | 65 |  |  | 52 |  |  | 18 |  |  | 8 |  |  | 4 |  |  | 435 |  | 4 |  |  | 694 |
<620 | 35 |  |  | 30 |  |  | 25 |  |  | 9 |  |  | 4 |  |  | 2 |  |  | 190 |  | 6 |  |  | 301 |
No FICO available(1) | 12 |  |  | 1 |  |  | 3 |  |  | — |  |  | — |  |  | — |  |  | 380 |  | 1 |  |  | 397 |
Total other retail | 742 |  |  | 444 |  |  | 397 |  |  | 195 |  |  | 89 |  |  | 72 |  |  | 3,463 |  | 16 |  |  | 5,418 |
Total retail |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | 3,516 |  |  | 8,226 |  |  | 5,389 |  |  | 2,251 |  |  | 924 |  |  | 4,340 |  |  | 5,449 |  | 267 |  |  | 30,362 |
740-799 | 4,305 |  |  | 6,084 |  |  | 3,557 |  |  | 1,539 |  |  | 695 |  |  | 2,422 |  |  | 5,324 |  | 275 |  |  | 24,201 |
680-739 | 2,228 |  |  | 2,619 |  |  | 1,422 |  |  | 790 |  |  | 386 |  |  | 1,311 |  |  | 3,289 |  | 238 |  |  | 12,283 |
620-679 | 841 |  |  | 896 |  |  | 456 |  |  | 336 |  |  | 214 |  |  | 649 |  |  | 993 |  | 147 |  |  | 4,532 |
<620 | 246 |  |  | 423 |  |  | 254 |  |  | 304 |  |  | 236 |  |  | 620 |  |  | 368 |  | 178 |  |  | 2,629 |
No FICO available(1) | 22 |  |  | 3 |  |  | 5 |  |  | 3 |  |  | 2 |  |  | 59 |  |  | 380 |  | 1 |  |  | 475 |
Total retail | $11,158 |  |  | $18,251 |  |  | $11,083 |  |  | $5,223 |  |  | $2,457 |  |  | $9,401 |  |  | $15,803 |  | $1,106 |  |  | $74,482 |
(1) Represents loans for which an updated FICO score was unavailable (e.g., due to recent profile changes).
Schedule of nonperforming loans and leases by class | The following tables present an aging analysis of accruing loans and leases, and nonaccrual loans and leases as of December 31, 2023 and 2022:
| December 31, 2023
|  | Days Past Due and Accruing |  |  |
(dollars in millions) | Current | 30-59 | 60-89 | 90+ | Nonaccrual | Total | Nonaccrual with no related ACL
Commercial and industrial | $43,447 |  | $61 |  | $18 |  | $6 |  | $294 |  | $43,826 |  | $30 |
Commercial real estate | 28,745 |  | 150 |  | 59 |  | 40 |  | 477 |  | 29,471 |  | 71 |
Leases | 1,144 |  | 1 |  | — |  | — |  | 3 |  | 1,148 |  | — |
Total commercial | 73,336 |  | 212 |  | 77 |  | 46 |  | 774 |  | 74,445 |  | 101 |
Residential mortgages(1) | 30,499 |  | 282 |  | 118 |  | 256 |  | 177 |  | 31,332 |  | 144 |
Home equity | 14,640 |  | 82 |  | 33 |  | — |  | 285 |  | 15,040 |  | 198 |
Automobile | 8,005 |  | 144 |  | 48 |  | — |  | 61 |  | 8,258 |  | 7 |
Education | 11,732 |  | 49 |  | 23 |  | 2 |  | 28 |  | 11,834 |  | 3 |
Other retail | 4,899 |  | 49 |  | 34 |  | 29 |  | 39 |  | 5,050 |  | — |
Total retail | 69,775 |  | 606 |  | 256 |  | 287 |  | 590 |  | 71,514 |  | 352 |
Total | $143,111 |  | $818 |  | $333 |  | $333 |  | $1,364 |  | $145,959 |  | $453 |
Guaranteed residential mortgages(1) | $675 |  | $128 |  | $76 |  | $243 |  | $— |  | $1,122 |  | $— |
(1) Guaranteed residential mortgages represent loans fully or partially guaranteed by the FHA, VA and USDA, and are included in the amounts presented for Residential mortgages.
| December 31, 2022
|  | Days Past Due and Accruing |  |  |
(dollars in millions) | Current | 30-59 | 60-89 | 90+ | Nonaccrual | Total | Nonaccrual with no related ACL
Commercial and industrial | $51,389 |  | $152 |  | $25 |  | $21 |  | $249 |  | $51,836 |  | $64 |
Commercial real estate | 28,665 |  | 51 |  | 45 |  | 1 |  | 103 |  | 28,865 |  | 7 |
Leases | 1,475 |  | 4 |  | — |  | — |  | — |  | 1,479 |  | — |
Total commercial | 81,529 |  | 207 |  | 70 |  | 22 |  | 352 |  | 82,180 |  | 71 |
Residential mortgages(1) | 29,228 |  | 95 |  | 45 |  | 319 |  | 234 |  | 29,921 |  | 187 |
Home equity | 13,719 |  | 64 |  | 19 |  | — |  | 241 |  | 14,043 |  | 185 |
Automobile | 12,039 |  | 152 |  | 45 |  | — |  | 56 |  | 12,292 |  | 9 |
Education | 12,718 |  | 36 |  | 17 |  | 4 |  | 33 |  | 12,808 |  | 3 |
Other retail | 5,294 |  | 44 |  | 30 |  | 22 |  | 28 |  | 5,418 |  | 1 |
Total retail | 72,998 |  | 391 |  | 156 |  | 345 |  | 592 |  | 74,482 |  | 385 |
Total | $154,527 |  | $598 |  | $226 |  | $367 |  | $944 |  | $156,662 |  | $456 |
Guaranteed residential mortgages(1) | $789 |  | $57 |  | $34 |  | $316 |  | $— |  | $1,196 |  | $— |
(1) Guaranteed residential mortgages represent loans fully or partially guaranteed by the FHA, VA and USDA, and are included in the amounts presented for Residential mortgages.
Troubled debt restructurings on financing receivables | The following table presents the period-end amortized cost of loans to borrowers experiencing financial difficulty that were modified during the year ended December 31, 2023, disaggregated by class of financing receivable and modification type. The modification type reflects the cumulative effect of all FDMs received during the indicated period.
| Year Ended December 31, 2023
(dollars in millions) | Interest Rate Reduction | Term Extension | Payment Delay | Principal Forgiveness | Interest Rate Reduction and Term Extension |  |  | Term Extension and Payment Delay |  |  |  | Total | Total as a % of Loan Class(1)
Commercial and industrial | $1 |  | $252 |  | $69 |  | $— |  | $1 |  |  |  | $2 |  |  |  |  | $325 |  | 0.74 | %
Commercial real estate | — |  | 522 |  | — |  | — |  | 70 |  |  |  | 1 |  |  |  |  | 593 |  | 2.01 |
Total commercial | 1 |  | 774 |  | 69 |  | — |  | 71 |  |  |  | 3 |  |  |  |  | 918 |  | 1.23 |
Residential mortgages | 8 |  | 77 |  | 3 |  | — |  | 20 |  |  |  | 1 |  |  |  |  | 109 |  | 0.35 |
Home equity | 2 |  | 5 |  | — |  | — |  | 8 |  |  |  | — |  |  |  |  | 15 |  | 0.10 |
Automobile | — |  | — |  | — |  | — |  | — |  |  |  | — |  |  |  |  | — |  | — |
Education | 9 |  | — |  | 31 |  | — |  | — |  |  |  | — |  |  |  |  | 40 |  | 0.34 |
Other retail | 11 |  | — |  | — |  | — |  | — |  |  |  | — |  |  |  |  | 11 |  | 0.22 |
Total retail | 30 |  | 82 |  | 34 |  | — |  | 28 |  |  |  | 1 |  |  |  |  | 175 |  | 0.24 |
Total(2) | $31 |  | $856 |  | $103 |  | $— |  | $99 |  |  |  | $4 |  |  |  |  | $1,093 |  | 0.75 | %
(1) Represents the total amortized cost as of period-end divided by the period-end amortized cost of the corresponding loan class. Accrued interest receivable is excluded from amortized cost and is immaterial. (2) Excludes borrowers that had their debt discharged by means of a Chapter 7 bankruptcy filing. The following table presents the financial effect of loans to borrowers experiencing financial difficulty that were modified during the year ended December 31, 2023, disaggregated by class of financing receivable.
| Year Ended December 31, 2023
| Weighted-Average Interest Rate Reduction(1)(5) | Weighted-Average Term Extension (in Months)(2)(5) | Weighted-Average Payment Deferral(3)(5) | Amount of Principal Forgiven(4)
Commercial and industrial | 2.02 | % | 15 | $562,777 |  | $— |
Commercial real estate | 0.59 |  | 11 | 30,821 |  | — |
Residential mortgages | 1.58 |  | 50 | — |  | — |
Home equity | 2.64 |  | 120 | 1,366 |  | — |
Automobile | 3.60 |  | 18 | 1,245 |  | — |
Education | 4.76 |  | — |  | 6,134 |  | — |
Other retail | 18.68 |  | — |  | — |  | 5 |
(1) Represents the weighted-average reduction of the loan’s interest rate. (2) Represents the weighted-average extension of a loan’s maturity date. (3) Represents the weighted-average amount of payments delayed as a result of the loan modification. Amounts are reported in whole dollars. (4) Amounts are recorded as charge-offs and are reported in millions. (5) Weighted based on period-end amortized cost. The following table presents an aging analysis of the period-end amortized cost of loans to borrowers experiencing financial difficulty that were modified during the year ended December 31, 2023, disaggregated by class of financing receivable. A loan in a forbearance or repayment plan is reported as past due according to its contractual terms until contractually modified. Subsequent to modification, it is reported as past due based on its restructured terms.
| December 31, 2023
|  | Days Past Due and Accruing |  |
(dollars in millions) | Current | 30-59 | 60-89 | 90+ | Nonaccrual | Total
Commercial and industrial | $211 |  | $— |  | $— |  | $— |  | $114 |  | $325 |
Commercial real estate | 402 |  | 7 |  | — |  | 26 |  | 158 |  | 593 |
Total commercial | 613 |  | 7 |  | — |  | 26 |  | 272 |  | 918 |
Residential mortgages | 61 |  | 11 |  | 7 |  | 17 |  | 13 |  | 109 |
Home equity | 5 |  | — |  | — |  | — |  | 10 |  | 15 |
Automobile | — |  | — |  | — |  | — |  | — |  | — |
Education | 37 |  | 1 |  | — |  | — |  | 2 |  | 40 |
Other retail | 8 |  | 1 |  | 1 |  | — |  | 1 |  | 11 |
Total retail | 111 |  | 13 |  | 8 |  | 17 |  | 26 |  | 175 |
Total | $724 |  | $20 |  | $8 |  | $43 |  | $298 |  | $1,093 |
The following tables summarize loans modified during the year ended December 31, 2022. The balances represent the post-modification outstanding amortized cost basis and may include loans that became TDRs during the period and were subsequently paid off in full, charged off, or sold prior to period end. Pre-modification balances for modified loans approximate the post-modification balances shown.
|  |  |  | December 31, 2022
|  |  |  | Amortized Cost Basis
(dollars in millions) | Number of Contracts |  |  | Interest Rate Reduction(1) |  | Maturity Extension(2) |  | Other(3) | Total
Commercial and industrial | 29 |  |  |  | $— |  |  |  | $26 |  |  |  | $— |  |  | $26 |
Total commercial | 29 |  |  |  | — |  |  |  | 26 |  |  |  | — |  |  | 26 |
Residential mortgages | 1,884 |  |  |  | 52 |  |  |  | 96 |  |  |  | 260 |  |  | 408 |
Home equity | 381 |  |  |  | 4 |  |  |  | 2 |  |  |  | 19 |  |  | 25 |
Automobile | 601 |  |  |  | 2 |  |  |  | — |  |  |  | 4 |  |  | 6 |
Education | 631 |  |  |  | — |  |  |  | — |  |  |  | 25 |  |  | 25 |
Other retail | 2,320 |  |  |  | 10 |  |  |  | — |  |  |  | 1 |  |  | 11 |
Total retail | 5,817 |  |  |  | 68 |  |  |  | 98 |  |  |  | 309 |  |  | 475 |
Total | 5,846 |  |  |  | $68 |  |  |  | $124 |  |  |  | $309 |  |  | $501 |
(1) Includes modifications that consist of multiple concessions, one of which is an interest rate reduction. (2) Includes modifications that consist of multiple concessions, one of which is a maturity extension (unless one of the other concessions was an interest rate reduction). (3) Includes modifications other than interest rate reductions or maturity extensions, such as lowering scheduled payments for a specified period of time, principal forgiveness, and capitalizing arrearages. The following are also included: deferrals, trial modifications, certain bankruptcies, loans in forbearance and prepayment plans. Modifications can include the deferral of accrued interest resulting in post-modification balances being higher than pre-modification.
Financing receivable, modified, subsequent default | The following table presents the period-end amortized cost of loans to borrowers experiencing financial difficulty that were modified on or after January 1, 2023 that subsequently defaulted during the year ended December 31, 2023, disaggregated by class of financing receivable and modification type. The modification type reflects the cumulative effect of all FDMs at the time of default. A loan is considered to be in default if, subsequent to modification, it becomes 90 or more days past due or is placed on nonaccrual status.
| Year Ended December 31, 2023
(dollars in millions) | Interest Rate Reduction | Term Extension | Payment Delay |  | Interest Rate Reduction and Term Extension |  |  |  |  |  |  | Total
Commercial and industrial | $— |  | $— |  | $43 |  |  | $— |  |  |  |  |  |  |  | $43 |
Commercial real estate | — |  | 102 |  | — |  |  | — |  |  |  |  |  |  |  | 102 |
Total commercial | — |  | 102 |  | 43 |  |  | — |  |  |  |  |  |  |  | 145 |
Residential mortgages | 1 |  | 9 |  | — |  |  | 5 |  |  |  |  |  |  |  | 15 |
Home equity | — |  | 1 |  | — |  |  | 2 |  |  |  |  |  |  |  | 3 |
Automobile | — |  | — |  | — |  |  | — |  |  |  |  |  |  |  | — |
Education | — |  | — |  | 1 |  |  | — |  |  |  |  |  |  |  | 1 |
Other retail | — |  | — |  | — |  |  | — |  |  |  |  |  |  |  | — |
Total retail | 1 |  | 10 |  | 1 |  |  | 7 |  |  |  |  |  |  |  | 19 |
Total | $1 |  | $112 |  | $44 |  |  | $7 |  |  |  |  |  |  |  | $164 |
Financing receivable, troubled debt restructuring, default | The following table provides a summary of TDRs that defaulted (became 90 days or more past due) within 12 months of their modification date:
(dollars in millions) | Year Ended December 31, 2022
Commercial | $— |
Retail(1) | 242 |
Total | $242 |
(1) Includes $187 million of loans fully or partially government guaranteed by the FHA, VA, and USDA.

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