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LOANS AND LEASES (Tables) | 12 Months Ended
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Dec. 31, 2024
Receivables [Abstract] |
Schedule of loans and leases | The following table presents loans and leases, excluding LHFS:
| December 31,
(dollars in millions) | 2024 |  | 2023
Commercial and industrial | $42,551 |  |  | $44,974 |
Commercial real estate | 27,225 |  |  | 29,471 |
Total commercial | 69,776 |  |  | 74,445 |
Residential mortgages | 32,726 |  |  | 31,332 |
Home equity | 16,495 |  |  | 15,040 |
Automobile | 4,744 |  |  | 8,258 |
Education | 10,812 |  |  | 11,834 |
Other retail | 4,650 |  |  | 5,050 |
Total retail | 69,427 |  |  | 71,514 |
Total loans and leases | $139,203 |  |  | $145,959 |
The following table presents the composition of LHFS:
| December 31, 2024 |  | December 31, 2023
(dollars in millions) | Residential Mortgages(1) | Commercial(2) | Total |  | Residential Mortgages(1) | Commercial(2) | Total
Loans held for sale at fair value | $633 |  | $192 |  | $825 |  |  | $614 |  | $62 |  | $676 |
Other loans held for sale | — |  | 33 |  | 33 |  |  | — |  | 103 |  | 103 |
Total loans held for sale | $633 |  | $225 |  | $858 |  |  | $614 |  | $165 |  | $779 |
(1) Residential mortgage LHFS at fair value are originated for sale. (2) Commercial LHFS at fair value consist of loans managed by the Company’s commercial secondary loan desk. Other commercial LHFS primarily consist of loans associated with the Company’s syndication business.
Schedule of investment in leases, before the ALLL | The components of the net investment in direct financing and sales-type leases, before ALLL, are presented below:
(dollars in millions) | December 31, 2024 |  | December 31, 2023
Total future minimum lease rentals | $916 |  |  | $942 |
Estimated residual value of leased equipment (non-guaranteed) | 231 |  |  | 322 |
Initial direct costs | 4 |  |  | 5 |
Unearned income | (124) |  |  | (121) |
Total leases | $1,027 |  |  | $1,148 |
Maturity analysis of direct financing lease receivables | A maturity analysis of direct financing and sales-type lease receivables at December 31, 2024 is presented below:
Year | (dollars in millions)
2025 | $241 |
2026 | 198 |
2027 | 177 |
2028 | 126 |
2029 | 68 |
Thereafter | 106 |
Total undiscounted future minimum lease rentals | $916 |

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- Definition Tabular disclosure of maturity of undiscounted cash flows to be received on annual basis for sales-type and direct financing leases receivable. Includes, but is not limited to, reconciliation to lease receivable recognized in statement of financial position. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 842 -SubTopic 30 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479773/842-30-50-10 + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 + Details
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