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LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Changes in the Allowance for Credit Losses) (Details) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024
Allowance for loan losses |  |  |  |
Balance at beginning of period | $ 697 | $ 699 | $ 696 | $ 684
Provision for loan losses | 3 | 12 | 20 | 33
Total | 16 | 21 | 40 | 35
Recoveries | 6 | 6 | 14 | 14
Net loan and lease charge-offs (recoveries) | 10 | 15 | 26 | 21
Balance at end of period | 690 | 696 | 690 | 696
Reserve for unfunded lending commitments |  |  |  |
Balance at beginning of period | 46 | 37 | 45 | 45
Provision for unfunded lending commitments | (4) | (7) | (3) | (15)
Balance at end of period | 42 | 30 | 42 | 30
Total allowance for credit losses | 732 | 726 | 732 | 726
Commercial: |  |  |  |
Allowance for loan losses |  |  |  |
Balance at beginning of period | 337 | 296 | 308 | 302
Provision for loan losses | 31 | 10 | 72 | 8
Total | 12 | 8 | 31 | 18
Recoveries | 5 | 4 | 12 | 10
Net loan and lease charge-offs (recoveries) | 7 | 4 | 19 | 8
Balance at end of period | 361 | 302 | 361 | 302
Reserve for unfunded lending commitments |  |  |  |
Balance at beginning of period | 28 | 19 | 26 | 19
Provision for unfunded lending commitments | (6) | (3) | (4) | (3)
Balance at end of period | 22 | 16 | 22 | 16
Total allowance for credit losses | 383 | 318 | 383 | 318
Commercial real estate: |  |  |  |
Allowance for loan losses |  |  |  |
Balance at beginning of period | 271 | 299 | 300 | 241
Provision for loan losses | (40) | 12 | (69) | 69
Total | 1 | 11 | 1 | 11
Recoveries | 0 | 0 | 0 | 1
Net loan and lease charge-offs (recoveries) | 1 | 11 | 1 | 10
Balance at end of period | 230 | 300 | 230 | 300
Reserve for unfunded lending commitments |  |  |  |
Balance at beginning of period | 10 | 10 | 11 | 17
Provision for unfunded lending commitments | 2 | (3) | 1 | (10)
Balance at end of period | 12 | 7 | 12 | 7
Total allowance for credit losses | 242 | 307 | 242 | 307
Consumer: |  |  |  |
Allowance for loan losses |  |  |  |
Balance at beginning of period | 89 | 104 | 88 | 141
Provision for loan losses | 12 | (10) | 17 | (44)
Total | 3 | 2 | 8 | 6
Recoveries | 1 | 2 | 2 | 3
Net loan and lease charge-offs (recoveries) | 2 | 0 | 6 | 3
Balance at end of period | 99 | 94 | 99 | 94
Reserve for unfunded lending commitments |  |  |  |
Balance at beginning of period | 8 | 8 | 8 | 9
Provision for unfunded lending commitments | 0 | (1) | 0 | (2)
Balance at end of period | 8 | 7 | 8 | 7
Total allowance for credit losses | $ 107 | $ 101 | $ 107 | $ 101

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