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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 | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
Allowance for loan losses |  |  |  |
Balance at beginning of period | $ 690 | $ 696 | $ 696 | $ 684
Provision for loan losses | 45 | 1 | 65 | 34
Total | 67 | 15 | 107 | 50
Recoveries | 11 | 12 | 25 | 26
Net loan and lease charge-offs (recoveries) | 56 | 3 | 82 | 24
Balance at end of period | 679 | 694 | 679 | 694
Reserve for unfunded lending commitments |  |  |  |
Balance at beginning of period | 42 | 30 | 45 | 45
Provision for unfunded lending commitments | 4 | 12 | 1 | (3)
Balance at end of period | 46 | 42 | 46 | 42
Total allowance for credit losses | 725 | 736 | 725 | 736
Commercial: |  |  |  |
Allowance for loan losses |  |  |  |
Balance at beginning of period | 361 | 302 | 308 | 302
Provision for loan losses | 57 | 7 | 129 | 15
Total | 61 | 12 | 92 | 30
Recoveries | 9 | 9 | 21 | 19
Net loan and lease charge-offs (recoveries) | 52 | 3 | 71 | 11
Balance at end of period | 366 | 306 | 366 | 306
Reserve for unfunded lending commitments |  |  |  |
Balance at beginning of period | 22 | 16 | 26 | 19
Provision for unfunded lending commitments | 1 | 4 | (3) | 1
Balance at end of period | 23 | 20 | 23 | 20
Total allowance for credit losses | 389 | 326 | 389 | 326
Commercial real estate: |  |  |  |
Allowance for loan losses |  |  |  |
Balance at beginning of period | 230 | 300 | 300 | 241
Provision for loan losses | (11) | (13) | (80) | 56
Total | 3 | 0 | 4 | 11
Recoveries | 1 | 2 | 1 | 3
Net loan and lease charge-offs (recoveries) | 2 | (2) | 3 | 8
Balance at end of period | 217 | 289 | 217 | 289
Reserve for unfunded lending commitments |  |  |  |
Balance at beginning of period | 12 | 7 | 11 | 17
Provision for unfunded lending commitments | 4 | 5 | 5 | (5)
Balance at end of period | 16 | 12 | 16 | 12
Total allowance for credit losses | 233 | 301 | 233 | 301
Consumer: |  |  |  |
Allowance for loan losses |  |  |  |
Balance at beginning of period | 99 | 94 | 88 | 141
Provision for loan losses | (1) | 7 | 16 | (37)
Total | 3 | 3 | 11 | 9
Recoveries | 1 | 1 | 3 | 4
Net loan and lease charge-offs (recoveries) | 2 | 2 | 8 | 5
Balance at end of period | 96 | 99 | 96 | 99
Reserve for unfunded lending commitments |  |  |  |
Balance at beginning of period | 8 | 7 | 8 | 9
Provision for unfunded lending commitments | (1) | 3 | (1) | 1
Balance at end of period | 7 | 10 | 7 | 10
Total allowance for credit losses | $ 103 | $ 109 | $ 103 | $ 109

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