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ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
 9 Months Ended
Sep. 30, 2025
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 millionsThree Months Ended September 30, 2025Three Months Ended September 30, 2024
CommercialConsumerTotalCommercialConsumerTotal
Balance at beginning of period$1,512 $160 $1,672 $1,547 $153 $1,700 
Provision (benefit) for loan and lease losses
238 (24)214 123 — 123 
Charge-offs
(244)(12)(256)(169)(8)(177)
Recoveries18 4 22 27 5 32 
Balance at end of period$1,524 $128 $1,652 $1,528 $150 $1,678 

Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
CommercialConsumerTotalCommercialConsumerTotal
Balance at beginning of period$1,518 $158 $1,676 $1,581 $166 $1,747 
Provision (benefit) for loan and lease losses
487 (14)473 316 (5)311 
Charge-offs
(540)(27)(567)(443)(21)(464)
Recoveries59 11 70 74 10 84 
Balance at end of period$1,524 $128 $1,652 $1,528 $150 $1,678 
The following table presents the components of the provision for credit losses:

Provision for Credit Losses
dollars in millionsThree Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Provision for loan and lease losses
$214 $123 $473 $311 
Benefit for off-balance sheet credit exposure(23)(6)(13)(35)
Provision for credit losses$191 $117 $460 $276