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Credit Quality And Allowance For Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2021
Credit Quality And Allowance For Credit Losses [Abstract] |
Aging Analysis Of Loans | The following table presents an aging analysis of the amortized cost basis of loans.
| Loans Past Due and Still Accruing |  |  |  |  |  |  |
(in millions) | 30-59 Days |  | 60-89 Days |  | 90 Days or More |  | Total |  | Nonaccrual Loans |  | Current Loans (a) |  | Total Loans
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 35 |  |  | $ | 18 |  |  | $ | 6 |  |  | $ | 59 |  |  | $ | 173 |  |  | $ | 29,134 |  |  |  | $ | 29,366 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate business line (b) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,391 |  |  |  | 2,391 |
Other business lines (c) | 15 |  |  | 1 |  |  | — |  |  | 16 |  |  | 6 |  |  | 535 |  |  |  | 557 |
Total real estate construction | 15 |  |  | 1 |  |  | — |  |  | 16 |  |  | 6 |  |  | 2,926 |  |  |  | 2,948 |
Commercial mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate business line (b) | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 3,337 |  |  |  | 3,338 |
Other business lines (c) | 18 |  |  | 4 |  |  | 16 |  |  | 38 |  |  | 31 |  |  | 7,848 |  |  |  | 7,917 |
Total commercial mortgage | 18 |  |  | 4 |  |  | 16 |  |  | 38 |  |  | 32 |  |  | 11,185 |  |  |  | 11,255 |
Lease financing | 5 |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 635 |  |  |  | 640 |
International | 5 |  |  | 8 |  |  | 1 |  |  | 14 |  |  | 5 |  |  | 1,189 |  |  |  | 1,208 |
Total business loans | 78 |  |  | 31 |  |  | 23 |  |  | 132 |  |  | 216 |  |  | 45,069 |  |  |  | 45,417 |
Retail loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 4 |  |  | — |  |  | — |  |  | 4 |  |  | 36 |  |  | 1,731 |  |  |  | 1,771 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity | 4 |  |  | 3 |  |  | — |  |  | 7 |  |  | 12 |  |  | 1,514 |  |  |  | 1,533 |
Other consumer | 32 |  |  | 1 |  |  | 4 |  |  | 37 |  |  | — |  |  | 527 |  |  |  | 564 |
Total consumer | 36 |  |  | 4 |  |  | 4 |  |  | 44 |  |  | 12 |  |  | 2,041 |  |  |  | 2,097 |
Total retail loans | 40 |  |  | 4 |  |  | 4 |  |  | 48 |  |  | 48 |  |  | 3,772 |  |  |  | 3,868 |
Total loans | $ | 118 |  |  | $ | 35 |  |  | $ | 27 |  |  | $ | 180 |  |  | $ | 264 |  |  | $ | 48,841 |  |  |  | $ | 49,285 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 62 |  |  | $ | 115 |  |  | $ | 33 |  |  | $ | 210 |  |  | $ | 252 |  |  | $ | 32,291 |  |  |  | $ | 32,753 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate business line (b) | 31 |  |  | — |  |  | — |  |  | 31 |  |  | — |  |  | 3,626 |  |  |  | 3,657 |
Other business lines (c) | 9 |  |  | — |  |  | — |  |  | 9 |  |  | 1 |  |  | 415 |  |  |  | 425 |
Total real estate construction | 40 |  |  | — |  |  | — |  |  | 40 |  |  | 1 |  |  | 4,041 |  |  |  | 4,082 |
Commercial mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate business line (b) | 51 |  |  | 1 |  |  | — |  |  | 52 |  |  | 3 |  |  | 2,218 |  |  |  | 2,273 |
Other business lines (c) | 48 |  |  | 40 |  |  | 5 |  |  | 93 |  |  | 26 |  |  | 7,520 |  |  |  | 7,639 |
Total commercial mortgage | 99 |  |  | 41 |  |  | 5 |  |  | 145 |  |  | 29 |  |  | 9,738 |  |  |  | 9,912 |
Lease financing | 14 |  |  | — |  |  | 1 |  |  | 15 |  |  | 1 |  |  | 578 |  |  |  | 594 |
International | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 926 |  |  |  | 926 |
Total business loans | 215 |  |  | 156 |  |  | 39 |  |  | 410 |  |  | 283 |  |  | 47,574 |  |  |  | 48,267 |
Retail loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 11 |  |  | 4 |  |  | — |  |  | 15 |  |  | 47 |  |  | 1,768 |  |  |  | 1,830 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity | 7 |  |  | 1 |  |  | — |  |  | 8 |  |  | 17 |  |  | 1,563 |  |  |  | 1,588 |
Other consumer | 10 |  |  | — |  |  | 6 |  |  | 16 |  |  | — |  |  | 590 |  |  |  | 606 |
Total consumer | 17 |  |  | 1 |  |  | 6 |  |  | 24 |  |  | 17 |  |  | 2,153 |  |  |  | 2,194 |
Total retail loans | 28 |  |  | 5 |  |  | 6 |  |  | 39 |  |  | 64 |  |  | 3,921 |  |  |  | 4,024 |
Total loans | $ | 243 |  |  | $ | 161 |  |  | $ | 45 |  |  | $ | 449 |  |  | $ | 347 |  |  | $ | 51,495 |  |  |  | $ | 52,291 |
(a)Includes $22 million and $141 million of loans with deferred payments not considered past due in accordance with the CARES Act, at December 31, 2021 and 2020, respectively. (b)Primarily loans to real estate developers. (c)Primarily loans secured by owner-occupied real estate.
Loans By Credit Quality Indicator and Vintage Year | The following table presents loans by credit quality indicator (CQI) and vintage year. CQI is based on internal risk ratings assigned to each business loan at the time of approval and subjected to subsequent reviews, generally at least annually, and to pools of retail loans with similar risk characteristics. Vintage year is the year of origination or major modification.
| December 31, 2021 |  |
| Vintage Year |  |  |  |  |  |  |  |
(in millions) | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolvers |  | Revolvers Converted to Term |  | Total |  |
Business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | $ | 5,270 |  | (b) | $ | 1,740 |  | (b) | $ | 1,528 |  |  | $ | 947 |  |  | $ | 713 |  |  | $ | 763 |  |  | $ | 17,241 |  |  | $ | 10 |  |  | $ | 28,212 |  |  |
Criticized (c) | 101 |  |  | 120 |  |  | 105 |  |  | 86 |  |  | 26 |  |  | 94 |  |  | 620 |  |  | 2 |  |  | 1,154 |  |  |
Total commercial | 5,371 |  |  | 1,860 |  |  | 1,633 |  |  | 1,033 |  |  | 739 |  |  | 857 |  |  | 17,861 |  |  | 12 |  |  | 29,366 |  |  |
Real estate construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 458 |  |  | 858 |  |  | 849 |  |  | 424 |  |  | 158 |  |  | 34 |  |  | 132 |  |  | — |  |  | 2,913 |  |  |
Criticized (c) | — |  |  | 3 |  |  | — |  |  | 13 |  |  | 8 |  |  | 8 |  |  | 3 |  |  | — |  |  | 35 |  |  |
Total real estate construction | 458 |  |  | 861 |  |  | 849 |  |  | 437 |  |  | 166 |  |  | 42 |  |  | 135 |  |  | — |  |  | 2,948 |  |  |
Commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 2,491 |  |  | 1,932 |  |  | 1,444 |  |  | 1,343 |  |  | 1,018 |  |  | 2,298 |  |  | 481 |  |  | — |  |  | 11,007 |  |  |
Criticized (c) | 17 |  |  | 44 |  |  | 50 |  |  | 22 |  |  | 23 |  |  | 87 |  |  | 5 |  |  | — |  |  | 248 |  |  |
Total commercial mortgage | 2,508 |  |  | 1,976 |  |  | 1,494 |  |  | 1,365 |  |  | 1,041 |  |  | 2,385 |  |  | 486 |  |  | — |  |  | 11,255 |  |  |
Lease financing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 166 |  |  | 88 |  |  | 97 |  |  | 50 |  |  | 38 |  |  | 179 |  |  | — |  |  | — |  |  | 618 |  |  |
Criticized (c) | — |  |  | 2 |  |  | 10 |  |  | 8 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 22 |  |  |
Total lease financing | 166 |  |  | 90 |  |  | 107 |  |  | 58 |  |  | 39 |  |  | 180 |  |  | — |  |  | — |  |  | 640 |  |  |
International |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 381 |  |  | 141 |  |  | 103 |  |  | 29 |  |  | 1 |  |  | 16 |  |  | 480 |  |  | — |  |  | 1,151 |  |  |
Criticized (c) | 20 |  |  | 10 |  |  | 3 |  |  | 5 |  |  | 4 |  |  | 8 |  |  | 7 |  |  | — |  |  | 57 |  |  |
Total international | 401 |  |  | 151 |  |  | 106 |  |  | 34 |  |  | 5 |  |  | 24 |  |  | 487 |  |  | — |  |  | 1,208 |  |  |
Total business loans | 8,904 |  |  | 4,938 |  |  | 4,189 |  |  | 2,927 |  |  | 1,990 |  |  | 3,488 |  |  | 18,969 |  |  | 12 |  |  | 45,417 |  |  |
Retail loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 443 |  |  | 527 |  |  | 164 |  |  | 83 |  |  | 111 |  |  | 407 |  |  | — |  |  | — |  |  | 1,735 |  |  |
Criticized (c) | 5 |  |  | — |  |  | 1 |  |  | 2 |  |  | 7 |  |  | 21 |  |  | — |  |  | — |  |  | 36 |  |  |
Total residential mortgage | 448 |  |  | 527 |  |  | 165 |  |  | 85 |  |  | 118 |  |  | 428 |  |  | — |  |  | — |  |  | 1,771 |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11 |  |  | 1,460 |  |  | 45 |  |  | 1,516 |  |  |
Criticized (c) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 12 |  |  | 4 |  |  | 17 |  |  |
Total home equity | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12 |  |  | 1,472 |  |  | 49 |  |  | 1,533 |  |  |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 101 |  |  | 68 |  |  | 13 |  |  | 9 |  |  | 1 |  |  | 31 |  |  | 337 |  |  | — |  |  | 560 |  |  |
Criticized (c) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 4 |  |  |
Total other consumer | 101 |  |  | 68 |  |  | 13 |  |  | 9 |  |  | 1 |  |  | 31 |  |  | 341 |  |  | — |  |  | 564 |  |  |
Total consumer | 101 |  |  | 68 |  |  | 13 |  |  | 9 |  |  | 1 |  |  | 43 |  |  | 1,813 |  |  | 49 |  |  | 2,097 |  |  |
Total retail loans | 549 |  |  | 595 |  |  | 178 |  |  | 94 |  |  | 119 |  |  | 471 |  |  | 1,813 |  |  | 49 |  |  | 3,868 |  |  |
Total loans | $ | 9,453 |  |  | $ | 5,533 |  |  | $ | 4,367 |  |  | $ | 3,021 |  |  | $ | 2,109 |  |  | $ | 3,959 |  |  | $ | 20,782 |  |  | $ | 61 |  |  | $ | 49,285 |  |  |
Table continues on the following page.
| December 31, 2020 |  |
| Vintage Year |  |  |  |  |  |  |  |
| 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolvers |  | Revolvers Converted to Term |  | Total |  |
Business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | $ | 5,991 |  | (b) | $ | 2,316 |  |  | $ | 1,563 |  |  | $ | 1,051 |  |  | $ | 429 |  |  | $ | 755 |  |  | $ | 18,416 |  |  | $ | 17 |  |  | $ | 30,538 |  |  |
Criticized (c) | 30 |  |  | 281 |  |  | 191 |  |  | 116 |  |  | 64 |  |  | 166 |  |  | 1,365 |  |  | 2 |  |  | 2,215 |  |  |
Total commercial | 6,021 |  |  | 2,597 |  |  | 1,754 |  |  | 1,167 |  |  | 493 |  |  | 921 |  |  | 19,781 |  |  | 19 |  |  | 32,753 |  |  |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 433 |  |  | 1,080 |  |  | 1,244 |  |  | 631 |  |  | 335 |  |  | 141 |  |  | 171 |  |  | — |  |  | 4,035 |  |  |
Criticized (c) | 3 |  |  | 28 |  |  | 5 |  |  | 8 |  |  | — |  |  | 1 |  |  | 2 |  |  | — |  |  | 47 |  |  |
Total real estate construction | 436 |  |  | 1,108 |  |  | 1,249 |  |  | 639 |  |  | 335 |  |  | 142 |  |  | 173 |  |  | — |  |  | 4,082 |  |  |
Commercial mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 2,053 |  |  | 1,559 |  |  | 1,146 |  |  | 1,120 |  |  | 818 |  |  | 2,272 |  |  | 431 |  |  | — |  |  | 9,399 |  |  |
Criticized (c) | 47 |  |  | 130 |  |  | 42 |  |  | 45 |  |  | 41 |  |  | 193 |  |  | 15 |  |  | — |  |  | 513 |  |  |
Total commercial mortgage | 2,100 |  |  | 1,689 |  |  | 1,188 |  |  | 1,165 |  |  | 859 |  |  | 2,465 |  |  | 446 |  |  | — |  |  | 9,912 |  |  |
Lease financing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 109 |  |  | 122 |  |  | 71 |  |  | 50 |  |  | 14 |  |  | 201 |  |  | — |  |  | — |  |  | 567 |  |  |
Criticized (c) | 2 |  |  | 17 |  |  | 5 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 27 |  |  |
Total lease financing | 111 |  |  | 139 |  |  | 76 |  |  | 52 |  |  | 15 |  |  | 201 |  |  | — |  |  | — |  |  | 594 |  |  |
International |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 274 |  |  | 161 |  |  | 103 |  |  | 11 |  |  | 3 |  |  | 64 |  |  | 245 |  |  | — |  |  | 861 |  |  |
Criticized (c) | 13 |  |  | 8 |  |  | 18 |  |  | 4 |  |  | 7 |  |  | 2 |  |  | 13 |  |  | — |  |  | 65 |  |  |
Total international | 287 |  |  | 169 |  |  | 121 |  |  | 15 |  |  | 10 |  |  | 66 |  |  | 258 |  |  | — |  |  | 926 |  |  |
Total business loans | 8,955 |  |  | 5,702 |  |  | 4,388 |  |  | 3,038 |  |  | 1,712 |  |  | 3,795 |  |  | 20,658 |  |  | 19 |  |  | 48,267 |  |  |
Retail loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 639 |  |  | 230 |  |  | 119 |  |  | 197 |  |  | 196 |  |  | 398 |  |  | — |  |  | — |  |  | 1,779 |  |  |
Criticized (c) | 7 |  |  | 2 |  |  | 2 |  |  | 6 |  |  | 2 |  |  | 32 |  |  | — |  |  | — |  |  | 51 |  |  |
Total residential mortgage | 646 |  |  | 232 |  |  | 121 |  |  | 203 |  |  | 198 |  |  | 430 |  |  | — |  |  | — |  |  | 1,830 |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 15 |  |  | 1,489 |  |  | 63 |  |  | 1,567 |  |  |
Criticized (c) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 13 |  |  | 7 |  |  | 21 |  |  |
Total home equity | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 16 |  |  | 1,502 |  |  | 70 |  |  | 1,588 |  |  |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (a) | 113 |  |  | 23 |  |  | 12 |  |  | 2 |  |  | 3 |  |  | 41 |  |  | 404 |  |  | — |  |  | 598 |  |  |
Criticized (c) | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 6 |  |  | — |  |  | 8 |  |  |
Total other consumer | 113 |  |  | 23 |  |  | 14 |  |  | 2 |  |  | 3 |  |  | 41 |  |  | 410 |  |  | — |  |  | 606 |  |  |
Total consumer | 113 |  |  | 23 |  |  | 14 |  |  | 2 |  |  | 3 |  |  | 57 |  |  | 1,912 |  |  | 70 |  |  | 2,194 |  |  |
Total retail loans | 759 |  |  | 255 |  |  | 135 |  |  | 205 |  |  | 201 |  |  | 487 |  |  | 1,912 |  |  | 70 |  |  | 4,024 |  |  |
Total loans | $ | 9,714 |  |  | $ | 5,957 |  |  | $ | 4,523 |  |  | $ | 3,243 |  |  | $ | 1,913 |  |  | $ | 4,282 |  |  | $ | 22,570 |  |  | $ | 89 |  |  | $ | 52,291 |  |  |
(a)Includes all loans not included in the categories of special mention, substandard or nonaccrual. (b)Includes Small Business Administration Paycheck Protection Program (PPP) loans of $292 million and $166 million originating in 2021 and 2020, respectively, at December 31, 2021, and PPP loans of $3.5 billion originating in 2020 at December 31, 2020. (c)Includes loans with an internal rating of special mention, substandard loans for which the accrual of interest has not been discontinued and nonaccrual loans. Special mention loans have potential credit weaknesses that deserve management’s close attention, such as loans to borrowers who may be experiencing financial difficulties that may result in deterioration of repayment prospects from the borrower at some future date. Accruing substandard loans have a well-defined weakness, or weaknesses, such as loans to borrowers who may be experiencing losses from operations or inadequate liquidity of a degree and duration that jeopardizes the orderly repayment of the loan. Substandard loans are also distinguished by the distinct possibility of loss in the future if these weaknesses are not corrected. Nonaccrual loans are loans for which the accrual of interest has been discontinued. For further information regarding nonaccrual loans, refer to the Nonperforming Assets subheading in Note 1 - Basis of Presentation and Accounting Policies. These categories are generally consistent with the "special mention" and "substandard" categories as defined by regulatory authorities. A minority of nonaccrual loans are consistent with the "doubtful" category.
Changes In The Allowance For Loan Losses | The following table details the changes in the allowance for credit losses.
| 2021 |  | 2020 |  | 2019
(in millions) | Business Loans |  | Retail Loans |  | Total |  | Business Loans |  | Retail Loans |  | Total |  | Business Loans |  | Retail Loans |  | Total
Years Ended December 31, |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses | $ | 895 |  |  | $ | 53 |  |  | $ | 948 |  |  | $ | 601 |  |  | $ | 36 |  |  | $ | 637 |  |  | $ | 627 |  |  | $ | 44 |  |  | $ | 671 |
Allowance for credit losses on lending-related commitments | 35 |  |  | 9 |  |  | 44 |  |  | 28 |  |  | 3 |  |  | 31 |  |  | 26 |  |  | 4 |  |  | 30 |
Allowance for credit losses | 930 |  |  | 62 |  |  | 992 |  |  | 629 |  |  | 39 |  |  | 668 |  |  | 653 |  |  | 48 |  |  | 701 |
Cumulative effect of change in accounting principle | — |  |  | — |  |  | — |  |  | (42) |  |  | 25 |  |  | (17) |  |  | — |  |  | — |  |  | — |
Loan charge-offs | (67) |  |  | (3) |  |  | (70) |  |  | (233) |  |  | (5) |  |  | (238) |  |  | (147) |  |  | (5) |  |  | (152) |
Recoveries on loans previously charged-off | 76 |  |  | 4 |  |  | 80 |  |  | 38 |  |  | 4 |  |  | 42 |  |  | 40 |  |  | 5 |  |  | 45 |
Net loan recoveries (charge-offs) | 9 |  |  | 1 |  |  | 10 |  |  | (195) |  |  | (1) |  |  | (196) |  |  | (107) |  |  | — |  |  | (107) |
Provision for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for loan losses | (373) |  |  | 3 |  |  | (370) |  |  | 531 |  |  | (7) |  |  | 524 |  |  | 81 |  |  | (8) |  |  | 73 |
Provision for credit losses on lending-related commitments | (11) |  |  | (3) |  |  | (14) |  |  | 7 |  |  | 6 |  |  | 13 |  |  | 2 |  |  | (1) |  |  | 1 |
Provision for credit losses | (384) |  |  | — |  |  | (384) |  |  | 538 |  |  | (1) |  |  | 537 |  |  | 83 |  |  | (9) |  |  | 74 |
Balance at end of period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses | 531 |  |  | 57 |  |  | 588 |  |  | 895 |  |  | 53 |  |  | 948 |  |  | 601 |  |  | 36 |  |  | 637 |
Allowance for credit losses on lending-related commitments | 24 |  |  | 6 |  |  | 30 |  |  | 35 |  |  | 9 |  |  | 44 |  |  | 28 |  |  | 3 |  |  | 31 |
Allowance for credit losses | $ | 555 |  |  | $ | 63 |  |  | $ | 618 |  |  | $ | 930 |  |  | $ | 62 |  |  | $ | 992 |  |  | $ | 629 |  |  | $ | 39 |  |  | $ | 668 |
Allowance for loan losses as a percentage of total loans | 1.17 | % |  | 1.47 | % |  | 1.19 | % |  | 1.85 | % |  | 1.32 | % |  | 1.81 | % |  | 1.30 | % |  | 0.84 | % |  | 1.27 | %
Allowance for loan losses as a percentage of total loans excluding PPP loans | 1.18 |  |  | n/a |  | 1.20 |  |  | 2.00 |  | n/a |  | 1.94 |  | n/a |  | n/a |  | n/a
Allowance for credit losses as a percentage of total loans | 1.22 |  |  | 1.63 |  |  | 1.26 |  |  | 1.93 |  |  | 1.55 |  |  | 1.90 |  |  | 1.37 |  |  | 0.91 |  |  | 1.33 |
Allowance for credit losses as a percentage of total loans excluding PPP loans | 1.24 |  |  | n/a |  | 1.27 |  |  | 2.08 |  | n/a |  | 2.03 |  | n/a |  | n/a |  | n/a
n/a - not applicable
Nonaccrual Loans | The following table presents additional information regarding nonaccrual loans. No interest income was recognized on nonaccrual loans for the years ended December 31, 2021, 2020 and 2019.
(in millions) | Nonaccrual Loans with No Related Allowance |  | Nonaccrual Loans with Related Allowance |  | Total Nonaccrual Loans
December 31, 2021 |  |  |  |  |
Business loans: |  |  |  |  |
Commercial | $ | 8 |  |  | $ | 165 |  |  | $ | 173 |
Real estate construction: |  |  |  |  |
Other business lines (a) | — |  |  | 6 |  |  | 6 |
Commercial mortgage: |  |  |  |  |
Commercial Real Estate business line (b) | — |  |  | 1 |  |  | 1 |
Other business lines (a) | 4 |  |  | 27 |  |  | 31 |
Total commercial mortgage | 4 |  |  | 28 |  |  | 32 |
International | — |  |  | 5 |  |  | 5 |
Total business loans | 12 |  |  | 204 |  |  | 216 |
Retail loans: |  |  |  |  |
Residential mortgage | 36 |  |  | — |  |  | 36 |
Consumer: |  |  |  |  |
Home equity | 12 |  |  | — |  |  | 12 |
Total retail loans | 48 |  |  | — |  |  | 48 |
Total nonaccrual loans | $ | 60 |  |  | $ | 204 |  |  | $ | 264 |
December 31, 2020 |  |  |  |  |
Business loans: |  |  |  |  |
Commercial | $ | 57 |  |  | $ | 195 |  |  | $ | 252 |
Real estate construction: |  |  |  |  |
Other business lines (a) | — |  |  | 1 |  |  | 1 |
Commercial mortgage: |  |  |  |  |
Commercial Real Estate business line (b) | 1 |  |  | 2 |  |  | 3 |
Other business lines (a) | 5 |  |  | 21 |  |  | 26 |
Total commercial mortgage | 6 |  |  | 23 |  |  | 29 |
Lease financing | — |  |  | 1 |  |  | 1 |
Total business loans | 63 |  |  | 220 |  |  | 283 |
Retail loans: |  |  |  |  |
Residential mortgage | 47 |  |  | — |  |  | 47 |
Consumer: |  |  |  |  |
Home equity | 17 |  |  | — |  |  | 17 |
Total retail loans | 64 |  |  | — |  |  | 64 |
Total nonaccrual loans | $ | 127 |  |  | $ | 220 |  |  | $ | 347 |
(a)Primarily loans secured by owner-occupied real estate. (b)Primarily loans to real estate developers.
Troubled Debt Restructurings By Type Of Modification | The following table details the amortized cost basis at December 31, 2021 and 2020 of loans considered to be TDRs that were restructured during the years ended December 31, 2021 and 2020, by type of modification. In cases of loans with more than one type of modification, the loans were categorized based on the most significant modification.
| 2021 |  | 2020
| Type of Modification |  |  | Type of Modification |
(in millions) | Principal Deferrals (a) | Interest Rate Reductions |  | Total Modifications |  | Principal Deferrals (a) | Interest Rate Reductions |  | Total Modifications
Years Ended December 31, |  |  |  |  |  |  |  |  |
Business loans: |  |  |  |  |  |  |  |  |
Commercial | $ | 8 |  | $ | — |  |  | $ | 8 |  |  | $ | 18 |  | $ | — |  |  | $ | 18 |
Commercial mortgage: |  |  |  |  |  |  |  |  |
Other business lines (b) | — |  | — |  |  | — |  |  | 2 |  | — |  |  | 2 |
Total business loans | 8 |  | — |  |  | 8 |  |  | 20 |  | — |  |  | 20 |
Retail loans: |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |
Home equity (c) | — |  | 2 |  |  | 2 |  |  | — |  | 2 |  |  | 2 |
Total retail loans | — |  | 2 |  |  | 2 |  |  | — |  | 2 |  |  | 2 |
Total loans | $ | 8 |  | $ | 2 |  |  | $ | 10 |  |  | $ | 20 |  | $ | 2 |  |  | $ | 22 |
(a)Primarily represents loan balances where terms were extended by more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. Also includes commercial loans restructured in bankruptcy. (b)Primarily loans secured by owner-occupied real estate. (c)Includes bankruptcy loans for which the court has discharged the borrower's obligation and the borrower has not reaffirmed the debt.

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