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v3.25.2

Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 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 and six months ended June 30, 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 June 30, 2025
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |
Balance as of April 1, 2025 |  | $ | 345 |  |  | $ | 225 |  |  | $ | 230 |  |  | $ | 22 |  |  | $ | 822 |
Charge-offs |  | (28) |  |  | (7) |  |  | (2) |  |  | (6) |  |  | (43) |
Recoveries |  | 6 |  |  | — |  |  | 1 |  |  | 2 |  |  | 9 |
Provision for loan and lease losses |  | 24 |  |  | (5) |  |  | 4 |  |  | 3 |  |  | 26 |
Balance as of June 30, 2025 |  | $ | 347 |  |  | $ | 213 |  |  | $ | 233 |  |  | $ | 21 |  |  | $ | 814 |
Reserve for remaining unfunded commitments: |  |  |  |  |  |  |  |  |  |
Balance as of April 1, 2025 |  | $ | 63 |  |  | $ | 9 |  |  | $ | 11 |  |  | $ | — |  |  | $ | 83 |
Provision for remaining unfunded commitments |  | 5 |  |  | 1 |  |  | (2) |  |  | — |  |  | 4 |
Balance as of June 30, 2025 |  | 68 |  |  | 10 |  |  | 9 |  |  | — |  |  | 87 |
Allowance for credit losses as of June 30, 2025 |  | $ | 415 |  |  | $ | 223 |  |  | $ | 242 |  |  | $ | 21 |  |  | $ | 901 |
|  | Three Months Ended June 30, 2024
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |
Balance as of April 1, 2024 |  | $ | 348 |  |  | $ | 181 |  |  | $ | 231 |  |  | $ | 27 |  |  | $ | 787 |
Charge-offs |  | (24) |  |  | (19) |  |  | (1) |  |  | (5) |  |  | (49) |
Recoveries |  | 12 |  |  | — |  |  | 2 |  |  | 1 |  |  | 15 |
Provision for loan and lease losses |  | 8 |  |  | 59 |  |  | (1) |  |  | 2 |  |  | 68 |
Balance as of June 30, 2024 |  | $ | 344 |  |  | $ | 221 |  |  | $ | 231 |  |  | $ | 25 |  |  | $ | 821 |
Reserve for remaining unfunded commitments: |  |  |  |  |  |  |  |  |  |
Balance as of April 1, 2024 |  | $ | 49 |  |  | $ | 18 |  |  | $ | 12 |  |  | $ | — |  |  | $ | 79 |
Provision for remaining unfunded commitments |  | (5) |  |  | (8) |  |  | — |  |  | — |  |  | (13) |
Balance as of June 30, 2024 |  | 44 |  |  | 10 |  |  | 12 |  |  | — |  |  | 66 |
Allowance for credit losses as of June 30, 2024 |  | $ | 388 |  |  | $ | 231 |  |  | $ | 243 |  |  | $ | 25 |  |  | $ | 887 |
(Dollars in millions) |  | Commercial, Financial, and Industrial |  | Commercial Real Estate |  | Consumer Real Estate |  | Credit Card and Other |  | Total
|  | Six Months Ended June 30, 2025
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2025 |  | $ | 345 |  |  | $ | 227 |  |  | $ | 221 |  |  | $ | 22 |  |  | $ | 815 |
Charge-offs |  | (62) |  |  | (10) |  |  | (2) |  |  | (10) |  |  | (84) |
Recoveries |  | 12 |  |  | 3 |  |  | 3 |  |  | 3 |  |  | 21 |
Provision for loan and lease losses |  | 52 |  |  | (7) |  |  | 11 |  |  | 6 |  |  | 62 |
Balance as of June 30, 2025 |  | $ | 347 |  |  | $ | 213 |  |  | $ | 233 |  |  | $ | 21 |  |  | $ | 814 |
Reserve for remaining unfunded commitments: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2025 |  | $ | 57 |  |  | $ | 11 |  |  | $ | 11 |  |  | $ | — |  |  | $ | 79 |
Provision for remaining unfunded commitments |  | 11 |  |  | (1) |  |  | (2) |  |  | — |  |  | 8 |
Balance as of June 30, 2025 |  | 68 |  |  | 10 |  |  | 9 |  |  | — |  |  | 87 |
Allowance for credit losses as of June 30, 2025 |  | $ | 415 |  |  | $ | 223 |  |  | $ | 242 |  |  | $ | 21 |  |  | $ | 901 |
|  | Six Months Ended June 30, 2024
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2024 |  | $ | 339 |  |  | $ | 172 |  |  | $ | 233 |  |  | $ | 29 |  |  | $ | 773 |
Charge-offs |  | (52) |  |  | (32) |  |  | (1) |  |  | (10) |  |  | (95) |
Recoveries |  | 14 |  |  | — |  |  | 4 |  |  | 3 |  |  | 21 |
Provision for loan and lease losses |  | 43 |  |  | 81 |  |  | (5) |  |  | 3 |  |  | 122 |
Balance as of June 30, 2024 |  | $ | 344 |  |  | $ | 221 |  |  | $ | 231 |  |  | $ | 25 |  |  | $ | 821 |
Reserve for remaining unfunded commitments: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2024 |  | $ | 49 |  |  | $ | 22 |  |  | $ | 12 |  |  | $ | — |  |  | $ | 83 |
Provision for remaining unfunded commitments |  | (5) |  |  | (12) |  |  | — |  |  | — |  |  | (17) |
Balance as of June 30, 2024 |  | 44 |  |  | 10 |  |  | 12 |  |  | — |  |  | 66 |
Allowance for credit losses as of June 30, 2024 |  | $ | 388 |  |  | $ | 231 |  |  | $ | 243 |  |  | $ | 25 |  |  | $ | 887 |
Schedule of Gross Charge offs by Year of Origination | The following table presents gross charge-offs by year of origination for the six months ended June 30, 2025 and 2024.
GROSS CHARGE-OFFS
|  | Six Months Ended June 30, 2025
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior to 2021 |  | Revolving Loans |  | Total
C&I |  | $ | 3 |  |  | $ | 3 |  |  | $ | 1 |  |  | $ | 7 |  |  | $ | 19 |  |  | $ | 26 |  |  | $ | 3 |  |  | $ | 62 |
CRE |  | — |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 5 |  |  | — |  |  | 10 |
Consumer Real Estate |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 2 |
Credit Card and Other |  | 3 |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | 1 |  |  | 3 |  |  | 10 |
Total |  | $ | 6 |  |  | $ | 3 |  |  | $ | 2 |  |  | $ | 14 |  |  | $ | 21 |  |  | $ | 32 |  |  | $ | 6 |  |  | $ | 84 |
|  | Six Months Ended June 30, 2024
(Dollars in millions) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior to 2020 |  | Revolving Loans |  | Total
C&I |  | $ | — |  |  | $ | 9 |  |  | $ | 11 |  |  | $ | 20 |  |  | $ | 1 |  |  | $ | 9 |  |  | $ | 2 |  |  | $ | 52 |
CRE |  | — |  |  | — |  |  | — |  |  | — |  |  | 9 |  |  | 23 |  |  | — |  |  | 32 |
Consumer Real Estate |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1 |
Credit Card and Other |  | 4 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |  |  | 4 |  |  | 10 |
Total |  | $ | 4 |  |  | $ | 9 |  |  | $ | 12 |  |  | $ | 20 |  |  | $ | 10 |  |  | $ | 34 |  |  | $ | 6 |  |  | $ | 95 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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