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v3.25.4

Asset Quality - Changes in Allowance for Loan and Lease Losses by Loan Category (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | $ 1,409 | $ 1,508 | $ 1,337
Provision | 448 | 341 | 415
Charge-offs | (517) | (526) | (318)
Recoveries | 87 | 86 | 74
Ending balance | 1,427 | 1,409 | 1,508
Total ALLL, including discontinued operations, beginning balance | 1,422 | 1,524 | 1,358
Total provision, including discontinued operations | 448 | 341 | 413
Total charge-offs, including discontinued operations | (520) | (530) | (322)
Total recoveries, including discontinued operations | 88 | 87 | 75
Total ALLL, including discontinued operations, ending balance | 1,438 | 1,422 | 1,524
Provision (credit) for losses on lending-related commitments | 23 | (6) |
Provision (credit) for losses on lending-related commitments |  |  | 74
Discontinued operations |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 13 | 16 | 21
Provision | 0 | 0 | (2)
Charge-offs | (3) | (4) | (4)
Recoveries | 1 | 1 | 1
Ending balance | 11 | 13 | 16
Total commercial loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 1,037 | 1,060 | 864
Provision | 389 | 322 | 371
Charge-offs | (412) | (410) | (227)
Recoveries | 64 | 65 | 52
Ending balance | 1,078 | 1,037 | 1,060
Total consumer loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 372 | 448 | 473
Provision | 59 | 19 | 44
Charge-offs | (105) | (116) | (91)
Recoveries | 23 | 21 | 22
Ending balance | 349 | 372 | 448
Commercial and Industrial | Total commercial loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 639 | 556 | 601
Provision | 361 | 388 | 99
Charge-offs | (312) | (363) | (188)
Recoveries | 57 | 58 | 44
Ending balance | 745 | 639 | 556
Total commercial real estate loans | Total commercial loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 371 | 471 | 231
Provision | 23 | (62) | 276
Charge-offs | (94) | (40) | (39)
Recoveries | 7 | 2 | 3
Ending balance | 307 | 371 | 471
Real estate — commercial mortgage | Total commercial loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 320 | 419 | 203
Provision | 19 | (61) | 253
Charge-offs | (94) | (40) | (39)
Recoveries | 7 | 2 | 2
Ending balance | 252 | 320 | 419
Real estate — construction | Total commercial loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 51 | 52 | 28
Provision | 4 | (1) | 23
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 1
Ending balance | 55 | 51 | 52
Commercial lease financing | Total commercial loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 27 | 33 | 32
Provision | 5 | (4) | (4)
Charge-offs | (6) | (7) | 0
Recoveries | 0 | 5 | 5
Ending balance | 26 | 27 | 33
Real estate — residential mortgage | Total consumer loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 90 | 162 |
Provision | (26) | (74) |
Charge-offs | (2) | (3) |
Recoveries | 4 | 5 |
Ending balance | 66 | 90 | 162
Real estate — residential mortgage | Total consumer loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance |  | 162 | 196
Provision |  |  | (37)
Charge-offs |  |  | (1)
Recoveries |  |  | 4
Ending balance |  |  | 162
Home equity loans | Total consumer loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 70 | 86 | 98
Provision | (19) | (16) | (13)
Charge-offs | (2) | (2) | (2)
Recoveries | 3 | 2 | 3
Ending balance | 52 | 70 | 86
Other consumer loans | Total consumer loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 136 | 122 | 113
Provision | 61 | 70 | 52
Charge-offs | (56) | (64) | (51)
Recoveries | 8 | 8 | 8
Ending balance | 149 | 136 | 122
Credit cards | Total consumer loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 76 | 78 | 66
Provision | 43 | 39 | 42
Charge-offs | (45) | (47) | (37)
Recoveries | 8 | 6 | 7
Ending balance | $ 82 | $ 76 | $ 78

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