Credit Quality And Allowance For Credit Losses (Nonaccrual Loans) (Details) - USD ($)
$ in Millions

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 Reduction		Combinations (b)		Total		Percent 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 mortgage	40		—		—		—		40		0.27
International	1		—		—		4		5		0.54
Total business loans	240		—		—		32		272		0.59
Retail loans:
Residential mortgage	5		—		—		—		5		0.26
Consumer:
Home equity	—		3		5		2		10		0.58

Total consumer	—		3		5		2		10		0.46
Total retail loans	5		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 construction	10		—		—		—		10		0.19
Commercial mortgage:

Other business lines (c)	15		—		—		10		25		0.28
Total commercial mortgage	15		—		—		10		25		0.18

Total business loans	117		20		10		12		159		0.33
Retail loans:

Consumer:
Home equity	1		—		1		1		3		0.16

Total consumer	1		—		1		1		3		0.13
Total retail loans	1		—		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:
Commercial	12.7	(1.21)	%




Commercial mortgage:

Other business lines (a)	14.1	—
Total commercial mortgage	14.1	—

International	46.1	—
Total business loans	13.6	(1.21)
Retail loans:
Residential mortgage	95.1	—
Consumer:
Home equity	117.0	(3.97)

Total consumer	117.0	(3.97)
Total retail loans	102.2	(3.97)
Total loans	15.9	(2.20)
Year Ended December 31, 2023
Business loans:
Commercial	10.4	(2.01)	%
Real estate construction:

Other business lines (a)	9.3	—
Total real estate construction	9.3	—
Commercial mortgage:

Other business lines (a)	17.6	(0.68)
Total commercial mortgage	17.6	(0.68)


Total business loans	11.7	(1.35)
Retail loans:

Consumer:
Home equity	145.4	(3.01)

Total consumer	145.4	(3.01)
Total retail loans	145.4	(3.01)
Total loans	13.1	(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.