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Significant Group Concentrations of Credit Risk | 12 Months Ended
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Dec. 31, 2024
Significant Group Concentrations of Credit Risk [Abstract] |
Significant Group Concentrations of Credit Risk | SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Concentrations of credit risk may exist when a number of borrowers are engaged in similar activities, or activities in the same geographic region, and have similar economic characteristics that would cause them to be similarly impacted by changes in economic or other conditions. Concentrations of both on-balance sheet and off-balance sheet credit risk are controlled and monitored as part of credit policies. The Corporation is a regional financial services holding company with a geographic concentration of its on-balance-sheet and off-balance-sheet activities in five primary geographic markets - Texas, California, Michigan, Arizona and Florida - and secondarily in several mountain, southeastern and other states, and in Canada and Mexico. At December 31, 2024, the Corporation's concentration of credit risk with the commercial real estate industry, which includes a portfolio of real estate construction and commercial mortgage loans, represented 36 percent of total loans. The following table summarizes the Corporation's commercial real estate loan portfolio by loan category.
(in millions) |  |  |
December 31 | 2024 |  | 2023
Real estate construction loans: |  |  |
Commercial Real Estate business line (a) | $ | 3,358 |  |  | $ | 4,570 |
Other business lines (b) | 322 |  |  | 513 |
Total real estate construction loans | 3,680 |  |  | 5,083 |
Commercial mortgage loans: |  |  |
Commercial Real Estate business line (a) | 6,044 |  |  | 4,727 |
Other business lines (b) | 8,449 |  |  | 8,959 |
Total commercial mortgage loans | 14,493 |  |  | 13,686 |
Total commercial real estate loans | $ | 18,173 |  |  | $ | 18,769 |
Total unused commitments on commercial real estate loans | $ | 3,130 |  |  | $ | 4,382 |
(a)Primarily loans to real estate developers. (b)Primarily loans secured by owner-occupied real estate. The Corporation also has a concentration of credit risk with the automotive industry, which represented 12 percent of total loans at December 31, 2024. Outstanding loans, included in commercial loans on the Consolidated Balance Sheets, and total exposure (outstanding loans, unused commitments and standby letters of credit) to companies related to the automotive industry were as follows:
(in millions) |  |  |
December 31 | 2024 |  | 2023
Automotive loans: |  |  |
Production | $ | 764 |  |  | $ | 848 |
Dealer | 5,513 |  |  | 6,191 |
Total automotive loans | $ | 6,277 |  |  | $ | 7,039 |
Total automotive exposure: |  |  |
Production | $ | 1,661 |  |  | $ | 1,744 |
Dealer | 8,675 |  |  | 10,418 |
Total automotive exposure | $ | 10,336 |  |  | $ | 12,162 |

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- Definition Significant Group Concentrations of Credit Risk [Abstract] + References No definition available. + Details
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- Definition The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 275 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org/275/tableOfContent + Details
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