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v3.25.1

Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2025
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract] |
Schedule of the Allowance for Loan Losses by Portfolio Segment | The following table provides a rollforward of the ALLL and the reserve for unfunded lending commitments by portfolio type for the three months ended March 31, 2025 and 2024.
ROLLFORWARD OF ALLL & RESERVE FOR UNFUNDED LENDING COMMITMENTS
(Dollars in millions) |  | Commercial, Financial, and Industrial |  | Commercial Real Estate |  | Consumer Real Estate |  | Credit Card and Other |  | Total
|  | Three Months Ended March 31, 2025
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2025 |  | $ | 345 |  |  | $ | 227 |  |  | $ | 221 |  |  | $ | 22 |  |  | $ | 815 |
Charge-offs |  | (34) |  |  | (3) |  |  | — |  |  | (4) |  |  | (41) |
Recoveries |  | 6 |  |  | 4 |  |  | 1 |  |  | 1 |  |  | 12 |
Provision for loan and lease losses |  | 28 |  |  | (3) |  |  | 8 |  |  | 3 |  |  | 36 |
Balance as of March 31, 2025 |  | $ | 345 |  |  | $ | 225 |  |  | $ | 230 |  |  | $ | 22 |  |  | $ | 822 |
Reserve for remaining unfunded commitments: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2025 |  | $ | 57 |  |  | $ | 11 |  |  | $ | 11 |  |  | $ | — |  |  | $ | 79 |
Provision for remaining unfunded commitments |  | 6 |  |  | (2) |  |  | — |  |  | — |  |  | 4 |
Balance as of March 31, 2025 |  | 63 |  |  | 9 |  |  | 11 |  |  | — |  |  | 83 |
Allowance for credit losses as of March 31, 2025 |  | $ | 408 |  |  | $ | 234 |  |  | $ | 241 |  |  | $ | 22 |  |  | $ | 905 |
|  | Three Months Ended March 31, 2024
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2024 |  | $ | 339 |  |  | $ | 172 |  |  | $ | 233 |  |  | $ | 29 |  |  | $ | 773 |
Charge-offs |  | (28) |  |  | (12) |  |  | — |  |  | (6) |  |  | (46) |
Recoveries |  | 3 |  |  | — |  |  | 1 |  |  | 2 |  |  | 6 |
Provision for loan and lease losses |  | 34 |  |  | 21 |  |  | (3) |  |  | 2 |  |  | 54 |
Balance as of March 31, 2024 |  | $ | 348 |  |  | $ | 181 |  |  | $ | 231 |  |  | $ | 27 |  |  | $ | 787 |
Reserve for remaining unfunded commitments: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2024 |  | $ | 49 |  |  | $ | 22 |  |  | $ | 12 |  |  | $ | — |  |  | $ | 83 |
Provision for remaining unfunded commitments |  | — |  |  | (4) |  |  | — |  |  | — |  |  | (4) |
Balance as of March 31, 2024 |  | 49 |  |  | 18 |  |  | 12 |  |  | — |  |  | 79 |
Allowance for credit losses as of March 31, 2024 |  | $ | 397 |  |  | $ | 199 |  |  | $ | 243 |  |  | $ | 27 |  |  | $ | 866 |
Schedule of Gross Charge offs by Year of Origination | The following table presents gross charge-offs by year of origination for the three months ended March 31, 2025 and 2024.
GROSS CHARGE-OFFS
|  | Three Months Ended March 31, 2025
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior to 2021 |  | Revolving Loans |  | Total
C&I |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5 |  |  | $ | 16 |  |  | $ | 12 |  |  | $ | 1 |  |  | $ | 34 |
CRE |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | 3 |
Consumer Real Estate |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Credit Card and Other |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 4 |
Total |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | 5 |  |  | $ | 16 |  |  | $ | 15 |  |  | $ | 3 |  |  | $ | 41 |
|  | Three Months Ended March 31, 2024
(Dollars in millions) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior to 2020 |  | Revolving Loans |  | Total
C&I |  | $ | — |  |  | $ | — |  |  | $ | 7 |  |  | $ | 13 |  |  | $ | 1 |  |  | $ | 6 |  |  | $ | 1 |  |  | $ | 28 |
CRE |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12 |  |  | — |  |  | 12 |
Consumer Real Estate |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Credit Card and Other |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 3 |  |  | 6 |
Total |  | $ | 2 |  |  | $ | — |  |  | $ | 7 |  |  | $ | 13 |  |  | $ | 1 |  |  | $ | 19 |  |  | $ | 4 |  |  | $ | 46 |

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