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Credit Quality And Allowance For Credit Losses (Aging Analysis Of Loans) (Details) - USD ($)
$ in Millions
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing $ 263 $ 218
Total Nonaccrual Loans 308 178
Current loans 49,968 51,717
Total loans 50,539 52,113
30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 180 161
60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 39 37
90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 44 20
Real estate construction    
Financing Receivable, Past Due [Line Items]    
Current loans 3,680 5,083
Commercial mortgage    
Financing Receivable, Past Due [Line Items]    
Current loans 14,493 13,686
Business loans | Commercial borrower    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 223 155
Total Nonaccrual Loans 244 138
Current loans 45,872 47,636
Total loans 46,339 47,929
Business loans | Commercial borrower | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 148 109
Business loans | Commercial borrower | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 31 26
Business loans | Commercial borrower | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 44 20
Business loans | Commercial borrower | Domestic loans    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 79 72
Total Nonaccrual Loans 125 75
Current loans 26,288 27,104
Total loans 26,492 27,251
Business loans | Commercial borrower | Domestic loans | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 50 48
Business loans | Commercial borrower | Domestic loans | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 16 14
Business loans | Commercial borrower | Domestic loans | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 13 10
Business loans | Commercial borrower | International loans    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 1
Total Nonaccrual Loans 0 20
Current loans 952 1,081
Total loans 952 1,102
Business loans | Commercial borrower | International loans | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Business loans | Commercial borrower | International loans | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Business loans | Commercial borrower | International loans | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 1
Business loans | Commercial borrower | Real estate construction | Domestic loans    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 3
Total Nonaccrual Loans 0 2
Current loans 3,680 5,078
Total loans 3,680 5,083
Business loans | Commercial borrower | Real estate construction | Domestic loans | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 3
Business loans | Commercial borrower | Real estate construction | Domestic loans | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Business loans | Commercial borrower | Real estate construction | Domestic loans | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Commercial    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing [1] 0 0
Total Nonaccrual Loans 0 [1] 0
Current loans 3,358 4,570
Total loans [1] 3,358 4,570
Business loans | Commercial borrower | Real estate construction | Domestic loans | Commercial | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 [1] 0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Commercial | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 [1] 0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Commercial | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 [1] 0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Other business lines    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing [2] 0 3
Total Nonaccrual Loans 0 2
Current loans 322 508
Total loans [2] 322 513
Business loans | Commercial borrower | Real estate construction | Domestic loans | Other business lines | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 3
Business loans | Commercial borrower | Real estate construction | Domestic loans | Other business lines | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Other business lines | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Business loans | Commercial borrower | Commercial mortgage | Domestic loans    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 132 75
Total Nonaccrual Loans 118 41
Current loans 14,243 13,570
Total loans 14,493 13,686
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 86 54
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 15 12
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 31 9
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Commercial    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing [1] 83 5
Total Nonaccrual Loans [3] 49 18
Current loans 5,912 4,704
Total loans [1] 6,044 4,727
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Commercial | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 75 5
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Commercial | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 8 0
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Commercial | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Other business lines    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing [2] 49 70
Total Nonaccrual Loans [4] 69 23
Current loans 8,331 8,866
Total loans [2] 8,449 8,959
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Other business lines | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 11 49
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Other business lines | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 7 12
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Other business lines | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 31 9
Business loans | Commercial borrower | Lease financing | Domestic loans    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 12 4
Total Nonaccrual Loans 1 0
Current loans 709 803
Total loans 722 807
Business loans | Commercial borrower | Lease financing | Domestic loans | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 12 4
Business loans | Commercial borrower | Lease financing | Domestic loans | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Business loans | Commercial borrower | Lease financing | Domestic loans | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Retail loans    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 40 63
Total Nonaccrual Loans 64 40
Current loans 4,096 4,081
Total loans 4,200 4,184
Retail loans | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 32 52
Retail loans | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 8 11
Retail loans | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Retail loans | Residential mortgage    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 10 16
Total Nonaccrual Loans 37 19
Current loans 1,882 1,854
Total loans 1,929 1,889
Retail loans | Residential mortgage | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 5 10
Retail loans | Residential mortgage | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 5 6
Retail loans | Residential mortgage | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Retail loans | Consumer borrower    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 30 47
Total Nonaccrual Loans 27 21
Current loans 2,214 2,227
Total loans 2,271 2,295
Retail loans | Consumer borrower | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 27 42
Retail loans | Consumer borrower | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 3 5
Retail loans | Consumer borrower | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Retail loans | Consumer borrower | Home equity    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 14 16
Total Nonaccrual Loans 27 21
Current loans 1,761 1,755
Total loans 1,802 1,792
Retail loans | Consumer borrower | Home equity | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 11 11
Retail loans | Consumer borrower | Home equity | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 3 5
Retail loans | Consumer borrower | Home equity | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Retail loans | Consumer borrower | Other consumer    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 16 31
Total Nonaccrual Loans 0 0
Current loans 453 472
Total loans 469 503
Retail loans | Consumer borrower | Other consumer | 30 to 59 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 16 31
Retail loans | Consumer borrower | Other consumer | 60 to 89 days past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing 0 0
Retail loans | Consumer borrower | Other consumer | 90 days or more past due and still accruing    
Financing Receivable, Past Due [Line Items]    
Loans past due and still accruing $ 0 $ 0
[1] Primarily loans to real estate developers.
[2] Primarily loans secured by owner-occupied real estate.
[3] Primarily loans secured by owner-occupied real estate.
[4] Primarily loans to real estate developers.
Foreclosed Properties
Foreclosed properties were insignificant at December 31, 2024 and December 31, 2023. Retail loans secured by residential real estate properties in process of foreclosure included in nonaccrual loans were $4 million at December 31, 2024 and insignificant at December 31, 2023.
Loan Modifications Made to Borrowers Experiencing Financial Difficulty
The following table displays the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty that were restructured, by type of modification.
(in millions)Term Extension (a)Payment Delay (a)Interest Rate ReductionCombinations (b)TotalPercent of Total Class
Year Ended December 31, 2024
Business loans:
Commercial$199 $— $— $28 $227 0.86 %
Commercial mortgage:
Other business lines (c)
40 — — — 40 0.47 
Total commercial mortgage40 — — — 40 0.27 
International1 — — 4 5 0.54 
Total business loans240 — — 32 272 0.59 
Retail loans:
Residential mortgage5 — — — 5 0.26 
Consumer:
Home equity— 3 5 2 10 0.58 
Total consumer— 3 5 2 10 0.46 
Total retail loans5 3 5 2 15 0.37 
Total loans$245 $3 $5 $34 $287 0.57 %
Year Ended December 31, 2023
Business loans:
Commercial$92 $20 $10 $2 $124 0.46 %
Real estate construction:
Other business lines (c)10 — — — 10 1.92 
Total real estate construction10 — — — 10 0.19 
Commercial mortgage:
Other business lines (c)15 — — 10 25 0.28 
Total commercial mortgage15 — — 10 25 0.18 
Total business loans117 20 10 12 159 0.33 
Retail loans:
Consumer:
Home equity1 — 1 1 3 0.16 
Total consumer1 — 1 1 3 0.13 
Total retail loans1 — 1 1 3 0.07 
Total loans$118 $20 $11 $13 $162 0.31 %
(a)Represents loan balances where terms were extended or payments were delayed by a more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. See Note 1 to the consolidated financial statements for further information.
(b)Relates to FDMs where more than one type of modification was made. For the year ended December 31, 2024, this primarily related to modifications where the payment was delayed and the term was extended. For the year ended December 31, 2023, this primarily related to modifications where the interest was reduced and the term was extended.
(c)Primarily loans secured by owner-occupied real estate.
There was no commitment to lend additional funds to borrowers experiencing financial difficulty whose terms had been restructured at December 31, 2024 and December 31, 2023.
The following table summarizes the financial impacts of loan modifications made to specific loans.
Weighted-Average Term Extension
(in months)		Weighted-Average Interest Rate Reduction
Year Ended December 31, 2024
Business loans:
Commercial12.7 (1.21)%
Commercial mortgage:
Other business lines (a)14.1 — 
Total commercial mortgage14.1 — 
International46.1— 
Total business loans13.6 (1.21)
Retail loans:
Residential mortgage95.1— 
Consumer:
Home equity117.0(3.97)
Total consumer117.0(3.97)
Total retail loans102.2 (3.97)
Total loans15.9 (2.20)
Year Ended December 31, 2023
Business loans:
Commercial10.4(2.01)%
Real estate construction:
Other business lines (a)9.3— 
Total real estate construction9.3— 
Commercial mortgage:
Other business lines (a)17.6(0.68)
Total commercial mortgage17.6(0.68)
Total business loans11.7(1.35)
Retail loans:
Consumer:
Home equity145.4(3.01)
Total consumer145.4(3.01)
Total retail loans145.4(3.01)
Total loans13.1(1.49)%
(a)Primarily loans secured by owner-occupied real estate.
During the year ended December 31, 2024, modifications to borrowers experiencing financial difficulty included restructurings with other-than-insignificant payment delays of $4 million in the Commercial category, $2 million in the International category and $3 million in the Home Equity category, compared to $6 million in the Commercial category at December 31, 2023.
On an ongoing basis, the Corporation monitors the performance of modified loans related to their restructured terms. Of the loans restructured during the year, $10 million were past due at December 31, 2024 compared to all being current at December 31, 2023. Nonperforming restructured loans are classified as nonaccrual loans and are individually evaluated in the allowance for loan losses.
For restructured loans, a subsequent payment default is defined in terms of delinquency, when a principal or interest payment is 90 days past due or classified into nonaccrual status during the reporting period. Of the loans restructured during the 12 month period ended December 31, 2024, there were $13 million of Commercial loans that subsequently defaulted. There were no subsequent defaults as of December 31, 2023 of loans restructured during that 12 month period.