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ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2024
Receivables [Abstract] |
Schedule of Allowance for Loan and Lease Losses | The ALLL activity for loans and leases is summarized in the following table: Allowance for Loan and Lease Losses
dollars in millions | Year Ended December 31, 2024 |  | Year Ended December 31, 2023
| Commercial |  | Consumer |  | SVB |  | Total |  | Commercial |  | Consumer |  | SVB |  | Total
Balance at beginning of period | $ | 1,126 |  |  | $ | 166 |  |  | $ | 455 |  |  | $ | 1,747 |  |  | $ | 789 |  |  | $ | 133 |  |  | $ | — |  |  | $ | 922 |
Initial PCD ALLL | — |  |  | — |  |  | — |  |  | — |  |  | 14 |  |  | 3 |  |  | 203 |  |  | 220 |
Day 2 Provision for Loan and Lease Losses | — |  |  | — |  |  | — |  |  | — |  |  | 39 |  |  | 43 |  |  | 380 |  |  | 462 |
Provision for loan and lease losses | 298 |  |  | 8 |  |  | 163 |  |  | 469 |  |  | 651 |  |  | 2 |  |  | 50 |  |  | 703 |
Total provision for loan and lease losses | 298 |  |  | 8 |  |  | 163 |  |  | 469 |  |  | 690 |  |  | 45 |  |  | 430 |  |  | 1,165 |
Charge-offs | (407) |  |  | (30) |  |  | (220) |  |  | (657) |  |  | (414) |  |  | (28) |  |  | (196) |  |  | (638) |
Recoveries | 46 |  |  | 14 |  |  | 57 |  |  | 117 |  |  | 47 |  |  | 13 |  |  | 18 |  |  | 78 |
Balance at end of period | $ | 1,063 |  |  | $ | 158 |  |  | $ | 455 |  |  | $ | 1,676 |  |  | $ | 1,126 |  |  | $ | 166 |  |  | $ | 455 |  |  | $ | 1,747 |
dollars in millions | Year Ended December 31, 2022
| Commercial |  | Consumer |  | SVB |  | Total
Balance at beginning of period | $ | 80 |  |  | $ | 98 |  |  | $ | — |  |  | $ | 178 |
Initial PCD ALLL | 258 |  |  | 14 |  |  | — |  |  | 272 |
Day 2 Provision for Loan and Lease Losses | 432 |  |  | 22 |  |  | — |  |  | 454 |
Provision (benefit) for loan and lease losses | 101 |  |  | (4) |  |  | — |  |  | 97 |
Total provision for loan and lease losses | 533 |  |  | 18 |  |  | — |  |  | 551 |
Charge-offs | (126) |  |  | (20) |  |  | — |  |  | (146) |
Recoveries | 44 |  |  | 23 |  |  | — |  |  | 67 |
Balance at end of period | $ | 789 |  |  | $ | 133 |  |  | $ | — |  |  | $ | 922 |
The following table presents the components of the provision for credit losses: Provision for Credit Losses
dollars in millions |  |  | Year Ended December 31,
|  |  |  |  | 2024 |  | 2023 |  | 2022
Day 2 Provision for Loan and Lease Losses |  |  |  |  | $ | — |  |  | $ | 462 |  |  | $ | 454 |
Provision for loan and lease losses |  |  |  |  | 469 |  |  | 703 |  |  | 97 |
Total provision for loan and lease losses |  |  |  |  | 469 |  |  | 1,165 |  |  | 551 |
Day 2 Provision for Off-Balance Sheet Credit Exposure |  |  |  |  | — |  |  | 254 |  |  | 59 |
(Benefit) provision from off-balance sheet credit exposure |  |  |  |  | (38) |  |  | (44) |  |  | 35 |
Total (benefit) provision for off-balance sheet credit exposure |  |  |  |  | (38) |  |  | 210 |  |  | 94 |
Provision for credit losses |  |  |  |  | $ | 431 |  |  | $ | 1,375 |  |  | $ | 645 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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