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CREDIT QUALITY AND THE ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Loss (Details) - USD ($) $ in Millions | 3 Months Ended
--- | ---
Mar. 31, 2025 | Mar. 31, 2024
Allowance for Loan and Lease Losses [Roll Forward] |  |
Allowance for loan and lease losses, beginning of period | $ 2,061 | $ 2,098
Charge-offs | (234) | (231)
Recoveries | 34 | 50
Net charge-offs | (200) | (181)
Provision expense (benefit) for loans and leases | 153 | 169
Allowance for loan and lease losses, end of period | 2,014 | 2,086
Unfunded lending commitments [Roll Forward] |  |
Allowance for unfunded lending commitments, beginning of period | 198 | 220
Provision expense (benefit) for unfunded lending commitments | 0 | 2
Allowance for unfunded lending commitments, end of period | 198 | 222
Total allowance for credit losses, end of period | 2,212 | 2,308
Commercial |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |
Allowance for loan and lease losses, beginning of period | 1,140 | 1,250
Charge-offs | (85) | (102)
Recoveries | 4 | 17
Net charge-offs | (81) | (85)
Provision expense (benefit) for loans and leases | 89 | 69
Allowance for loan and lease losses, end of period | 1,148 | 1,234
Unfunded lending commitments [Roll Forward] |  |
Allowance for unfunded lending commitments, beginning of period | 155 | 175
Provision expense (benefit) for unfunded lending commitments | 9 | 16
Allowance for unfunded lending commitments, end of period | 164 | 191
Total allowance for credit losses, end of period | 1,312 | 1,425
Retail |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |
Allowance for loan and lease losses, beginning of period | 921 | 848
Charge-offs | (149) | (129)
Recoveries | 30 | 33
Net charge-offs | (119) | (96)
Provision expense (benefit) for loans and leases | 64 | 100
Allowance for loan and lease losses, end of period | 866 | 852
Unfunded lending commitments [Roll Forward] |  |
Allowance for unfunded lending commitments, beginning of period | 43 | 45
Provision expense (benefit) for unfunded lending commitments | (9) | (14)
Allowance for unfunded lending commitments, end of period | 34 | 31
Total allowance for credit losses, end of period | $ 900 | $ 883

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- Definition Financing Receivable, Allowance For Credit Loss, Excluding Accrued Interest And Off-Balance-Sheet, Credit Loss, Liability + References No definition available. + Details
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- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- Definition Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-2 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 460 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482454/460-10-45-1 + Details
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