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CREDIT QUALITY AND THE ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Loss (Details) - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses, beginning of period | $ 2,008 | $ 2,125 | $ 2,061 | $ 2,098
Charge-offs | (195) | (231) | (630) | (685)
Recoveries | 33 | 39 | 101 | 128
Net charge-offs | (162) | (192) | (529) | (557)
Provision expense (benefit) for loans and leases | 126 | 146 | 440 | 538
Allowance for loan and lease losses, end of period | 1,972 | 2,079 | 1,972 | 2,079
Unfunded lending commitments [Roll Forward] |  |  |  |
Allowance for unfunded lending commitments, beginning of period | 201 | 181 | 198 | 220
Provision expense (benefit) for unfunded lending commitments | 28 | 26 | 31 | (13)
Allowance for unfunded lending commitments, end of period | 229 | 207 | 229 | 207
Total allowance for credit losses, end of period | 2,201 | 2,286 | 2,201 | 2,286
Commercial |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses, beginning of period | 1,106 | 1,282 | 1,140 | 1,250
Charge-offs | (91) | (106) | (269) | (308)
Recoveries | 6 | 8 | 11 | 29
Net charge-offs | (85) | (98) | (258) | (279)
Provision expense (benefit) for loans and leases | 62 | 3 | 201 | 216
Allowance for loan and lease losses, end of period | 1,083 | 1,187 | 1,083 | 1,187
Unfunded lending commitments [Roll Forward] |  |  |  |
Allowance for unfunded lending commitments, beginning of period | 163 | 147 | 155 | 175
Provision expense (benefit) for unfunded lending commitments | 19 | 17 | 27 | (11)
Allowance for unfunded lending commitments, end of period | 182 | 164 | 182 | 164
Total allowance for credit losses, end of period | 1,265 | 1,351 | 1,265 | 1,351
Retail |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Allowance for loan and lease losses, beginning of period | 902 | 843 | 921 | 848
Charge-offs | (104) | (125) | (361) | (377)
Recoveries | 27 | 31 | 90 | 99
Net charge-offs | (77) | (94) | (271) | (278)
Provision expense (benefit) for loans and leases | 64 | 143 | 239 | 322
Allowance for loan and lease losses, end of period | 889 | 892 | 889 | 892
Unfunded lending commitments [Roll Forward] |  |  |  |
Allowance for unfunded lending commitments, beginning of period | 38 | 34 | 43 | 45
Provision expense (benefit) for unfunded lending commitments | 9 | 9 | 4 | (2)
Allowance for unfunded lending commitments, end of period | 47 | 43 | 47 | 43
Total allowance for credit losses, end of period | $ 936 | $ 935 | $ 936 | $ 935

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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 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 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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