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v3.26.1

Asset Quality - Schedule of Changes in Allowance for Loan and Lease Losses by Loan Category (Details) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2026 | Jun. 30, 2025 | Jun. 30, 2026 | Jun. 30, 2025
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | $ 1,449 | $ 1,429 | $ 1,427 | $ 1,409
Provision | 111 | 119 | 234 | 249
Charge-offs | (131) | (127) | (248) | (253)
Recoveries | 16 | 25 | 32 | 41
Ending balance | 1,445 | 1,446 | 1,445 | 1,446
Total ALLL, including discontinued operations, beginning balance | 1,460 | 1,442 | 1,438 | 1,422
Total provision, including discontinued operations | 109 | 119 | 233 | 249
Total charge-offs, including discontinued operations | (131) | (128) | (249) | (254)
Total recoveries, including discontinued operations | 16 | 25 | 32 | 41
Total ALLL, including discontinued operations, ending balance | 1,454 | 1,458 | 1,454 | 1,458
Provision (credit) for losses on lending-related commitments | (19) | 19 | (36) | 7
Total commercial loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 1,097 | 1,057 | 1,078 | 1,037
Provision | 105 | 111 | 205 | 219
Charge-offs | (105) | (102) | (196) | (200)
Recoveries | 10 | 20 | 20 | 30
Ending balance | 1,107 | 1,086 | 1,107 | 1,086
Total consumer loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 352 | 372 | 349 | 372
Provision | 6 | 8 | 29 | 30
Charge-offs | (26) | (25) | (52) | (53)
Recoveries | 6 | 5 | 12 | 11
Ending balance | 338 | 360 | 338 | 360
Commercial and Industrial | Total commercial loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 767 | 669 | 745 | 639
Provision | 113 | 84 | 215 | 166
Charge-offs | (84) | (94) | (174) | (156)
Recoveries | 9 | 19 | 19 | 29
Ending balance | 805 | 678 | 805 | 678
Total commercial real estate loans | Total commercial loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 304 | 354 | 307 | 371
Provision | (6) | 27 | (8) | 46
Charge-offs | (20) | (6) | (21) | (42)
Recoveries | 1 | 1 | 1 | 1
Ending balance | 279 | 376 | 279 | 376
Real estate — commercial mortgage | Total commercial loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 253 | 297 | 252 | 320
Provision | 8 | 27 | 10 | 40
Charge-offs | (20) | (6) | (21) | (42)
Recoveries | 1 | 1 | 1 | 1
Ending balance | 242 | 319 | 242 | 319
Real estate — construction | Total commercial loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 51 | 57 | 55 | 51
Provision | (14) | 0 | (18) | 6
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending balance | 37 | 57 | 37 | 57
Commercial lease financing | Total commercial loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 26 | 34 | 26 | 27
Provision | (2) | 0 | (2) | 7
Charge-offs | (1) | (2) | (1) | (2)
Recoveries | 0 | 0 | 0 | 0
Ending balance | 23 | 32 | 23 | 32
Real estate — residential mortgage | Total consumer loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 69 | 71 | 66 | 90
Provision | (2) | (4) | 0 | (23)
Charge-offs | (1) | 0 | (1) | (1)
Recoveries | 1 | 1 | 2 | 2
Ending balance | 67 | 68 | 67 | 68
Home equity loans | Total consumer loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 51 | 75 | 52 | 70
Provision | (3) | (7) | (4) | (2)
Charge-offs | 0 | 0 | (1) | (1)
Recoveries | 0 | 1 | 1 | 2
Ending balance | 48 | 69 | 48 | 69
Other consumer loans | Total consumer loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 148 | 143 | 149 | 136
Provision | 5 | 9 | 17 | 28
Charge-offs | (14) | (13) | (29) | (27)
Recoveries | 3 | 2 | 5 | 4
Ending balance | 142 | 141 | 142 | 141
Credit cards | Total consumer loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 84 | 83 | 82 | 76
Provision | 6 | 10 | 16 | 27
Charge-offs | (11) | (12) | (21) | (24)
Recoveries | 2 | 1 | 4 | 3
Ending balance | 81 | 82 | 81 | 82
Discontinued operations |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | 11 | 13 | 11 | 13
Provision | (2) | 0 | (1) | 0
Charge-offs | 0 | (1) | (1) | (1)
Recoveries | 0 | 0 | 0 | 0
Ending balance | $ 9 | $ 12 | $ 9 | $ 12

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