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Loans and Leases (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Loans and Leases Classified by Primary Purpose | The following table provides a summary of commercial loans and leases classified by primary purpose and consumer loans classified based upon product or collateral as of:
($ in millions) | September 30, 2025 | December 31, 2024
Loans and leases held for sale: |  |
Commercial and industrial loans | $ | 8 |  | 15 |
Commercial mortgage loans | — |  | 22 |
Commercial construction loans | — |  | 29 |
Residential mortgage loans | 565 |  | 574 |
Credit card | 3 |  | — |
Total loans and leases held for sale | $ | 576 |  | 640 |
Portfolio loans and leases: |  |
Commercial and industrial loans | $ | 53,947 |  | 52,271 |
Commercial mortgage loans | 11,932 |  | 12,246 |
Commercial construction loans | 5,326 |  | 5,588 |
Commercial leases | 3,218 |  | 3,188 |
Total commercial loans and leases | $ | 74,423 |  | 73,293 |
Residential mortgage loans | $ | 17,644 |  | 17,543 |
Home equity | 4,678 |  | 4,188 |
Indirect secured consumer loans | 17,885 |  | 16,313 |
Credit card | 1,692 |  | 1,734 |
Solar energy installation loans | 4,432 |  | 4,202 |
Other consumer loans | 2,376 |  | 2,518 |
Total consumer loans | $ | 48,707 |  | 46,498 |
Total portfolio loans and leases | $ | 123,130 |  | 119,791 |
Total Loans and Leases Owned by the Bancorp | The following table presents a summary of net charge-offs (recoveries):
| For the three months ended September 30, | For the nine months ended September 30,
($ in millions) | 2025 | 2024 | 2025 | 2024
Commercial and industrial loans | $ | 274 |  | 72 |  | 395 |  | 187 |
Commercial mortgage loans | 1 |  | — |  | 15 |  | — |
Commercial leases | — |  | — |  | 1 |  | — |
Residential mortgage loans | (1) |  | (1) |  | (2) |  | (1) |
Home equity | (1) |  | — |  | — |  | — |
Indirect secured consumer loans | 18 |  | 22 |  | 56 |  | 63 |
Credit card | 16 |  | 16 |  | 48 |  | 52 |
Solar energy installation loans | 16 |  | 14 |  | 54 |  | 39 |
Other consumer loans | 16 |  | 19 |  | 47 |  | 56 |
Total net charge-offs | $ | 339 |  | 142 |  | 614 |  | 396 |
Summary of Income | The following table presents the income recognized related to leases where the Bancorp is the lessor:
($ in millions) | Condensed Consolidated Statements of Income Caption | For the three months ended September 30, | For the nine months ended September 30,
2025 | 2024 | 2025 | 2024
Direct financing leases | Interest and fees on loans and leases | $ | 10 |  | 10 |  | 29 |  | 29 |
Sales-type leases | Interest and fees on loans and leases | 27 |  | 21 |  | 80 |  | 58 |
Operating leases | Commercial banking revenue | 21 |  | 24 |  | 61 |  | 78 |
Summary of Income | The following table presents the income recognized related to leases where the Bancorp is the lessor:
($ in millions) | Condensed Consolidated Statements of Income Caption | For the three months ended September 30, | For the nine months ended September 30,
2025 | 2024 | 2025 | 2024
Direct financing leases | Interest and fees on loans and leases | $ | 10 |  | 10 |  | 29 |  | 29 |
Sales-type leases | Interest and fees on loans and leases | 27 |  | 21 |  | 80 |  | 58 |
Operating leases | Commercial banking revenue | 21 |  | 24 |  | 61 |  | 78 |
Summary of Income | The following table presents the income recognized related to leases where the Bancorp is the lessor:
($ in millions) | Condensed Consolidated Statements of Income Caption | For the three months ended September 30, | For the nine months ended September 30,
2025 | 2024 | 2025 | 2024
Direct financing leases | Interest and fees on loans and leases | $ | 10 |  | 10 |  | 29 |  | 29 |
Sales-type leases | Interest and fees on loans and leases | 27 |  | 21 |  | 80 |  | 58 |
Operating leases | Commercial banking revenue | 21 |  | 24 |  | 61 |  | 78 |

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