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Loans and Leases (Tables) | 3 Months Ended
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Mar. 31, 2025
Receivables [Abstract] |
Schedule of Loans by Portfolio Segment | The following table provides the amortized cost basis of loans and leases by portfolio segment and class as of March 31, 2025 and December 31, 2024, excluding accrued interest of $258 million and $271 million, respectively, which is included in other assets in the Consolidated Balance Sheets.
LOANS AND LEASES BY PORTFOLIO SEGMENT |  |
(Dollars in millions) |  | March 31, 2025 |  | December 31, 2024 |  |
Commercial: |  |  |  |  |  |
Commercial and industrial (a) |  | $ | 29,985 |  |  | $ | 29,957 |  |  |
Loans to mortgage companies |  | 3,369 |  |  | 3,471 |  |  |
Total commercial, financial, and industrial |  | 33,354 |  |  | 33,428 |  |  |
Commercial real estate |  | 14,139 |  |  | 14,421 |  |  |
Consumer: |  |  |  |  |  |
HELOC |  | 2,095 |  |  | 2,092 |  |  |
Real estate installment loans |  | 11,994 |  |  | 11,955 |  |  |
Total consumer real estate |  | 14,089 |  |  | 14,047 |  |  |
Credit card and other (b) |  | 633 |  |  | 669 |  |  |
Loans and leases |  | $ | 62,215 |  |  | $ | 62,565 |  |  |
Allowance for loan and lease losses |  | (822) |  |  | (815) |  |  |
Net loans and leases |  | $ | 61,393 |  |  | $ | 61,750 |  |  |
(a)Includes equipment financing leases of $1.5 billion and $1.4 billion for March 31, 2025 and December 31, 2024, respectively. (b)Includes $168 million and $174 million of commercial credit card balances as of March 31, 2025 and December 31, 2024, respectively.
Schedule of Financing Receivable Credit Quality Indicators | The following tables provide the amortized cost basis of the commercial loan portfolio by year of origination and credit quality indicator as of March 31, 2025 and December 31, 2024.
C&I PORTFOLIO
|  | March 31, 2025
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior to 2021 |  | LMC (a) |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
Credit Quality Indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (PD grades 1 through 12) |  | $ | 756 |  |  | $ | 5,804 |  |  | $ | 2,525 |  |  | $ | 3,344 |  |  | $ | 2,127 |  |  | $ | 4,674 |  |  | $ | 3,369 |  |  | $ | 8,744 |  |  | $ | 211 |  |  | $ | 31,554 |
Special Mention (PD grade 13) |  | — |  |  | 72 |  |  | 25 |  |  | 82 |  |  | 55 |  |  | 69 |  |  | — |  |  | 193 |  |  | 6 |  |  | 502 |
Substandard, Doubtful, or Loss (PD grades 14,15, and 16) |  | 1 |  |  | 109 |  |  | 160 |  |  | 230 |  |  | 161 |  |  | 241 |  |  | — |  |  | 362 |  |  | 34 |  |  | 1,298 |
Total C&I loans |  | $ | 757 |  |  | $ | 5,985 |  |  | $ | 2,710 |  |  | $ | 3,656 |  |  | $ | 2,343 |  |  | $ | 4,984 |  |  | $ | 3,369 |  |  | $ | 9,299 |  |  | $ | 251 |  |  | $ | 33,354 |
|  | December 31, 2024
(Dollars in millions) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior to 2020 |  | LMC (a) |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
Credit Quality Indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (PD grades 1 through 12) |  | $ | 5,590 |  |  | $ | 2,607 |  |  | $ | 3,649 |  |  | $ | 2,336 |  |  | $ | 1,055 |  |  | $ | 3,853 |  |  | $ | 3,471 |  |  | $ | 8,784 |  |  | $ | 248 |  |  | $ | 31,593 |
Special Mention (PD grade 13) |  | 106 |  |  | 27 |  |  | 78 |  |  | 47 |  |  | 33 |  |  | 57 |  |  | — |  |  | 279 |  |  | 2 |  |  | 629 |
Substandard, Doubtful, or Loss (PD grades 14,15, and 16) |  | 84 |  |  | 184 |  |  | 113 |  |  | 179 |  |  | 33 |  |  | 169 |  |  | — |  |  | 383 |  |  | 61 |  |  | 1,206 |
Total C&I loans |  | $ | 5,780 |  |  | $ | 2,818 |  |  | $ | 3,840 |  |  | $ | 2,562 |  |  | $ | 1,121 |  |  | $ | 4,079 |  |  | $ | 3,471 |  |  | $ | 9,446 |  |  | $ | 311 |  |  | $ | 33,428 |
(a) LMC includes non-revolving commercial lines of credit to qualified mortgage companies primarily for the temporary warehousing of eligible mortgage loans prior to the borrower's sale of those mortgage loans to third-party investors. The loans are of short duration with maturities less than one year.
CRE PORTFOLIO
|  | March 31, 2025
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior to 2021 |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
Credit Quality Indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (PD grades 1 through 12) |  | $ | 160 |  |  | $ | 753 |  |  | $ | 1,391 |  |  | $ | 3,179 |  |  | $ | 2,457 |  |  | $ | 3,990 |  |  | $ | 304 |  |  | $ | 57 |  |  | $ | 12,291 |
Special Mention (PD grade 13) |  | — |  |  | — |  |  | 42 |  |  | 172 |  |  | 267 |  |  | 121 |  |  | 43 |  |  | — |  |  | 645 |
Substandard, Doubtful, or Loss (PD grades 14,15, and 16) |  | — |  |  | 3 |  |  | 33 |  |  | 333 |  |  | 307 |  |  | 521 |  |  | 6 |  |  | — |  |  | 1,203 |
Total CRE loans |  | $ | 160 |  |  | $ | 756 |  |  | $ | 1,466 |  |  | $ | 3,684 |  |  | $ | 3,031 |  |  | $ | 4,632 |  |  | $ | 353 |  |  | $ | 57 |  |  | $ | 14,139 |
|  | December 31, 2024
(Dollars in millions) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior to 2020 |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
Credit Quality Indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (PD grades 1 through 12) |  | $ | 694 |  |  | $ | 1,296 |  |  | $ | 3,282 |  |  | $ | 2,778 |  |  | $ | 894 |  |  | $ | 3,281 |  |  | $ | 340 |  |  | $ | 47 |  |  | $ | 12,612 |
Special Mention (PD grade 13) |  | — |  |  | 42 |  |  | 280 |  |  | 198 |  |  | 37 |  |  | 130 |  |  | — |  |  | 1 |  |  | 688 |
Substandard, Doubtful, or Loss (PD grades 14,15, and 16) |  | 3 |  |  | 31 |  |  | 251 |  |  | 278 |  |  | 116 |  |  | 436 |  |  | 6 |  |  | — |  |  | 1,121 |
Total CRE loans |  | $ | 697 |  |  | $ | 1,369 |  |  | $ | 3,813 |  |  | $ | 3,254 |  |  | $ | 1,047 |  |  | $ | 3,847 |  |  | $ | 346 |  |  | $ | 48 |  |  | $ | 14,421 |
The following table reflects the amortized cost basis by year of origination and refreshed FICO scores for consumer real estate loans as of March 31, 2025 and December 31, 2024. Within consumer real estate, classes include HELOC and real estate installment loans. HELOCs are loans which during their draw period are classified as revolving loans. Once the draw period ends and the loan enters its repayment period, the loan converts to a term loan and is classified as a revolving loan converted to a term loan. All loans classified in the following table as revolving loans or revolving loans converted to term loans are HELOCs. Real estate installment loans are originated as fixed term loans and are classified below in their vintage year. All loans in the following table classified in a vintage year are real estate installment loans.
CONSUMER REAL ESTATE PORTFOLIO
|  | March 31, 2025
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior to 2021 |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
FICO score 740 or greater |  | $ | 220 |  |  | $ | 1,028 |  |  | $ | 1,469 |  |  | $ | 1,974 |  |  | $ | 1,559 |  |  | $ | 2,150 |  |  | $ | 1,433 |  |  | $ | 54 |  |  | $ | 9,887 |
FICO score 720-739 |  | 25 |  |  | 146 |  |  | 192 |  |  | 266 |  |  | 209 |  |  | 364 |  |  | 178 |  |  | 17 |  |  | 1,397 |
FICO score 700-719 |  | 15 |  |  | 98 |  |  | 139 |  |  | 213 |  |  | 172 |  |  | 305 |  |  | 145 |  |  | 18 |  |  | 1,105 |
FICO score 660-699 |  | 28 |  |  | 132 |  |  | 158 |  |  | 181 |  |  | 99 |  |  | 361 |  |  | 147 |  |  | 24 |  |  | 1,130 |
FICO score 620-659 |  | 2 |  |  | 11 |  |  | 10 |  |  | 17 |  |  | 20 |  |  | 140 |  |  | 30 |  |  | 10 |  |  | 240 |
FICO score less than 620 |  | 2 |  |  | 22 |  |  | 19 |  |  | 19 |  |  | 18 |  |  | 211 |  |  | 29 |  |  | 10 |  |  | 330 |
Total consumer real estate loans |  | $ | 292 |  |  | $ | 1,437 |  |  | $ | 1,987 |  |  | $ | 2,670 |  |  | $ | 2,077 |  |  | $ | 3,531 |  |  | $ | 1,962 |  |  | $ | 133 |  |  | $ | 14,089 |
|  | December 31, 2024
(Dollars in millions) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior to 2020 |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
FICO score 740 or greater |  | $ | 1,045 |  |  | $ | 1,493 |  |  | $ | 2,009 |  |  | $ | 1,592 |  |  | $ | 675 |  |  | $ | 1,554 |  |  | $ | 1,430 |  |  | $ | 56 |  |  | $ | 9,854 |
FICO score 720-739 |  | 149 |  |  | 197 |  |  | 270 |  |  | 213 |  |  | 99 |  |  | 271 |  |  | 175 |  |  | 17 |  |  | 1,391 |
FICO score 700-719 |  | 98 |  |  | 140 |  |  | 217 |  |  | 175 |  |  | 72 |  |  | 242 |  |  | 150 |  |  | 18 |  |  | 1,112 |
FICO score 660-699 |  | 133 |  |  | 160 |  |  | 183 |  |  | 100 |  |  | 75 |  |  | 294 |  |  | 146 |  |  | 25 |  |  | 1,116 |
FICO score 620-659 |  | 11 |  |  | 10 |  |  | 17 |  |  | 21 |  |  | 20 |  |  | 122 |  |  | 30 |  |  | 9 |  |  | 240 |
FICO score less than 620 |  | 18 |  |  | 22 |  |  | 19 |  |  | 18 |  |  | 18 |  |  | 203 |  |  | 25 |  |  | 11 |  |  | 334 |
Total consumer real estate loans |  | $ | 1,454 |  |  | $ | 2,022 |  |  | $ | 2,715 |  |  | $ | 2,119 |  |  | $ | 959 |  |  | $ | 2,686 |  |  | $ | 1,956 |  |  | $ | 136 |  |  | $ | 14,047 |
The following table reflects the amortized cost basis by year of origination and refreshed FICO scores for credit card and other loans as of March 31, 2025 and December 31, 2024.
CREDIT CARD & OTHER PORTFOLIO
|  | March 31, 2025
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior to 2021 |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
FICO score 740 or greater |  | $ | 7 |  |  | $ | 17 |  |  | $ | 18 |  |  | $ | 7 |  |  | $ | 4 |  |  | $ | 18 |  |  | $ | 190 |  |  | $ | 13 |  |  | $ | 274 |
FICO score 720-739 |  | 1 |  |  | 7 |  |  | 2 |  |  | 1 |  |  | — |  |  | 3 |  |  | 21 |  |  | 2 |  |  | 37 |
FICO score 700-719 |  | — |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | 2 |  |  | 12 |  |  | — |  |  | 17 |
FICO score 660-699 |  | 1 |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | 2 |  |  | 15 |  |  | 1 |  |  | 22 |
FICO score 620-659 |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 1 |  |  | 8 |  |  | — |  |  | 11 |
FICO score less than 620 |  | 1 |  |  | 7 |  |  | 7 |  |  | 5 |  |  | 3 |  |  | 71 |  |  | 177 |  |  | 1 |  |  | 272 |
Total credit card and other loans |  | $ | 10 |  |  | $ | 34 |  |  | $ | 30 |  |  | $ | 15 |  |  | $ | 7 |  |  | $ | 97 |  |  | $ | 423 |  |  | $ | 17 |  |  | $ | 633 |
|  | December 31, 2024
(Dollars in millions) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior to 2020 |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
FICO score 740 or greater |  | $ | 21 |  |  | $ | 22 |  |  | $ | 10 |  |  | $ | 4 |  |  | $ | 2 |  |  | $ | 19 |  |  | $ | 197 |  |  | $ | 8 |  |  | $ | 283 |
FICO score 720-739 |  | 7 |  |  | 3 |  |  | 1 |  |  | 1 |  |  | — |  |  | 3 |  |  | 20 |  |  | 2 |  |  | 37 |
FICO score 700-719 |  | 1 |  |  | 2 |  |  | 2 |  |  | — |  |  | — |  |  | 2 |  |  | 14 |  |  | — |  |  | 21 |
FICO score 660-699 |  | 1 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | 3 |  |  | 15 |  |  | 4 |  |  | 26 |
FICO score 620-659 |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 9 |  |  | — |  |  | 13 |
FICO score less than 620 |  | 8 |  |  | 8 |  |  | 5 |  |  | 4 |  |  | 4 |  |  | 78 |  |  | 181 |  |  | 1 |  |  | 289 |
Total credit card and other loans |  | $ | 40 |  |  | $ | 38 |  |  | $ | 19 |  |  | $ | 9 |  |  | $ | 6 |  |  | $ | 106 |  |  | $ | 436 |  |  | $ | 15 |  |  | $ | 669 |
Schedule of Accruing and Non-Accruing Loans by Class | The following table reflects accruing and non-accruing loans and leases by class on March 31, 2025 and December 31, 2024.
ACCRUING & NON-ACCRUING LOANS AND LEASES
|  | March 31, 2025
|  | Accruing |  | Non-Accruing |  |
(Dollars in millions) |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Accruing |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Non- Accruing |  | Total Loans and Leases
Commercial, financial, and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I (a) |  | $ | 29,764 |  |  | $ | 25 |  |  | $ | 1 |  |  | $ | 29,790 |  |  | $ | 116 |  |  | $ | 12 |  |  | $ | 67 |  |  | $ | 195 |  |  | $ | 29,985 |
Loans to mortgage companies |  | 3,366 |  |  | 3 |  |  | — |  |  | 3,369 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,369 |
Total commercial, financial, and industrial |  | 33,130 |  |  | 28 |  |  | 1 |  |  | 33,159 |  |  | 116 |  |  | 12 |  |  | 67 |  |  | 195 |  |  | 33,354 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE (b) |  | 13,846 |  |  | 9 |  |  | — |  |  | 13,855 |  |  | 216 |  |  | 24 |  |  | 44 |  |  | 284 |  |  | 14,139 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC (c) |  | 2,050 |  |  | 11 |  |  | 3 |  |  | 2,064 |  |  | 18 |  |  | 3 |  |  | 10 |  |  | 31 |  |  | 2,095 |
Real estate installment loans (d) |  | 11,850 |  |  | 42 |  |  | 4 |  |  | 11,896 |  |  | 30 |  |  | 14 |  |  | 54 |  |  | 98 |  |  | 11,994 |
Total consumer real estate |  | 13,900 |  |  | 53 |  |  | 7 |  |  | 13,960 |  |  | 48 |  |  | 17 |  |  | 64 |  |  | 129 |  |  | 14,089 |
Credit card and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit card |  | 249 |  |  | 4 |  |  | — |  |  | 253 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 253 |
Other |  | 376 |  |  | 3 |  |  | — |  |  | 379 |  |  | — |  |  | 1 |  |  | — |  |  | 1 |  |  | 380 |
Total credit card and other |  | 625 |  |  | 7 |  |  | — |  |  | 632 |  |  | — |  |  | 1 |  |  | — |  |  | 1 |  |  | 633 |
Total loans and leases |  | $ | 61,501 |  |  | $ | 97 |  |  | $ | 8 |  |  | $ | 61,606 |  |  | $ | 380 |  |  | $ | 54 |  |  | $ | 175 |  |  | $ | 609 |  |  | $ | 62,215 |
|  | December 31, 2024
|  | Accruing |  | Non-Accruing |  |
(Dollars in millions) |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Accruing |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  | Total Non- Accruing |  | Total Loans and Leases
Commercial, financial, and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I (a) |  | $ | 29,751 |  |  | $ | 32 |  |  | $ | 1 |  |  | $ | 29,784 |  |  | $ | 101 |  |  | $ | 26 |  |  | $ | 46 |  |  | $ | 173 |  |  | $ | 29,957 |
Loans to mortgage companies |  | 3,471 |  |  | — |  |  | — |  |  | 3,471 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,471 |
Total commercial, financial, and industrial |  | 33,222 |  |  | 32 |  |  | 1 |  |  | 33,255 |  |  | 101 |  |  | 26 |  |  | 46 |  |  | 173 |  |  | 33,428 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE (b) |  | 14,124 |  |  | 3 |  |  | — |  |  | 14,127 |  |  | 221 |  |  | 10 |  |  | 63 |  |  | 294 |  |  | 14,421 |
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOC (c) |  | 2,045 |  |  | 11 |  |  | 2 |  |  | 2,058 |  |  | 19 |  |  | 4 |  |  | 11 |  |  | 34 |  |  | 2,092 |
Real estate installment loans (d) |  | 11,800 |  |  | 39 |  |  | 17 |  |  | 11,856 |  |  | 31 |  |  | 10 |  |  | 58 |  |  | 99 |  |  | 11,955 |
Total consumer real estate |  | 13,845 |  |  | 50 |  |  | 19 |  |  | 13,914 |  |  | 50 |  |  | 14 |  |  | 69 |  |  | 133 |  |  | 14,047 |
Credit card and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit card |  | 262 |  |  | 2 |  |  | 1 |  |  | 265 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 265 |
Other |  | 400 |  |  | 2 |  |  | — |  |  | 402 |  |  | — |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 404 |
Total credit card and other |  | 662 |  |  | 4 |  |  | 1 |  |  | 667 |  |  | — |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 669 |
Total loans and leases |  | $ | 61,853 |  |  | $ | 89 |  |  | $ | 21 |  |  | $ | 61,963 |  |  | $ | 372 |  |  | $ | 51 |  |  | $ | 179 |  |  | $ | 602 |  |  | $ | 62,565 |
(a) $185 million and $172 million of C&I loans are nonaccrual loans that have been specifically reviewed for impairment with no related allowance in 2025 and 2024, respectively. (b) $278 million and $287 million of CRE loans are nonaccrual loans that have been specifically reviewed for impairment with no related allowance in 2025 and 2024, respectively. (c) $3 million of HELOC loans are nonaccrual loans that have been specifically reviewed for impairment with no related allowance in both 2025 and 2024. (d) $8 million and $9 million of real estate installment loans are nonaccrual loans that have been specifically reviewed for impairment with no related allowance in 2025 and 2024, respectively.
Schedule of Financing Receivables Modified | The following table presents the amortized cost basis at the end of the reporting period of loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification made, as well as the financial effect of the modifications made as of March 31, 2025. LOAN MODIFICATIONS TO BORROWERS EXPERIENCING FINANCIAL DIFFICULTY
| Interest Rate Reduction
| March 31, 2025 |  | March 31, 2024
(Dollars in millions) | Balance |  | % of Total Class |  | Financial Effect |  | Balance |  | % of Total Class |  | Financial Effect
Consumer real estate (a) | $ | — |  |  | — | % |  | Reduced weighted-average contractual interest rate from 9.35% to 3.00% |  | $ | — |  |  | — | % |  | Reduced weighted-average contractual interest rate from 9.95% to 6.75%
Credit card and other (a) | — |  |  | — |  |  | N/A |  | — |  |  | — |  |  | Reduced weighted-average contractual interest rate from 20.50% to 0.00%
Total | $ | — |  |  | — | % |  |  |  | $ | — |  |  | — | % |  |
(a) Balance less than $1 million. |  |  |  |  |  |
| Term Extension
| March 31, 2025 |  | March 31, 2024
(Dollars in millions) | Balance |  | % of Total Class |  | Financial Effect |  | Balance |  | % of Total Class |  | Financial Effect
C&I | $ | 78 |  |  | 0.2 | % |  | Added a weighted-average 1.0 year to the life of loans, which reduced monthly payment amounts for the borrowers |  | $ | 64 |  |  | 0.2 | % |  | Added a weighted-average 1.4 years to the life of loans, which reduced monthly payment amounts for the borrowers
CRE | 29 |  |  | 0.2 |  |  | Added a weighted-average 1.6 years to the life of loans, which reduced monthly payment amounts for the borrowers |  | 19 |  |  | 0.1 |  |  | Added a weighted-average 0.8 years to the life of loans, which reduced monthly payment amounts for the borrowers
Total | $ | 107 |  |  | 0.2 | % |  |  |  | $ | 83 |  |  | 0.1 | % |  |
| Principal Forgiveness |  |  |
| March 31, 2025 |  | March 31, 2024 |  |
(Dollars in millions) | Balance |  | % of Total Class |  | Financial Effect |  | Balance |  | % of Total Class |  | Financial Effect |  |  |  |
Consumer real estate (a) | $ | — |  |  | — | % |  | Less than $1 million of the principal of loans was legally discharged in bankruptcy during the period and the borrowers have not reaffirmed the debt as of period end |  | $ | — |  |  | — | % |  | Less than $1 million of the principal of loans was legally discharged in bankruptcy during the period and the borrowers have not reaffirmed the debt as of period end |  |  |
Total | $ | — |  |  | — | % |  |  |  | $ | — |  |  | — | % |  |  |  |  |
(a) Balance less than $1 million. |  |  |  |  |  |  |  |  |  |
| Combination - Term Extension and Interest Rate Reduction
| March 31, 2025 |  | March 31, 2024
(Dollars in millions) | Balance |  | % of Total Class |  | Financial Effect |  | Balance |  | % of Total Class |  | Financial Effect
C&I (a) | $ | — |  |  | — | % |  | Added a weighted-average 1.2 years to the life of loans and reduced weighted-average contractual interest rate from 9.00% to 8.00% |  | $ | — |  |  | — | % |  | N/A
Consumer real estate (a) | — |  |  | — |  |  | Added a weighted-average 11.4 years to the life of loans and reduced weighted-average contractual interest rate from 8.88% to 3.16% |  | 1 |  |  | — |  |  | Added a weighted-average 18.8 years to the life of loans and reduced weighted-average contractual interest rate from 6.43% to 3.69%
Total | $ | — |  |  | — | % |  |  |  | $ | 1 |  |  | — | % |  |
(a) Balance less than $1 million. |  |  |  |  |  |  |  |  |  |
Schedule of Financing Receivable, Performance of Modified Loan | The following table depicts the performance of loans that have been modified in the last 12 months.
PERFORMANCE OF LOANS THAT HAVE BEEN MODIFIED IN THE LAST 12 MONTHS
|  | March 31, 2025
(Dollars in millions) |  | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due |  |  | Non-Accruing
C&I |  | $ | 133 |  |  | $ | — |  |  | $ | — |  |  |  | $ | 16 |
CRE |  | 178 |  |  | — |  |  | — |  |  |  | 69 |
Consumer Real Estate |  | 2 |  |  | — |  |  | — |  |  |  | 1 |
Total |  | $ | 313 |  |  | $ | — |  |  | $ | — |  |  |  | $ | 86 |

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