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ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES - Schedule of Changes in Allowance for Credit Losses (Details) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period |  |  | $ 423.0 |  |
Charge- Offs |  |  | (42.3) |  | $ (81.8)
Provision for Credit Losses | $ 26.0 | $ 20.0 | 43.1 | $ 34.1 |
Balance at End of Period | 432.0 |  | 432.0 |  | 423.0
Unfunded loan commitment |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 20.3 | 21.9 | 21.4 | 21.5 | 21.5
Charge- Offs | 0.0 | 0.0 | 0.0 | 0.0 |
Recoveries | 0.0 | 0.0 | 0.0 | 0.0 |
Net (Charge- Offs) Recoveries | 0.0 | 0.0 | 0.0 | 0.0 |
Provision for Credit Losses | 0.7 | (0.1) | (0.4) | 0.3 |
Balance at End of Period | 21.0 | 21.8 | 21.0 | 21.8 | 21.4
Total commercial loans and leases |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 289.2 | 275.3 | 279.7 | 279.3 | 279.3
Charge- Offs | (22.3) | (8.9) | (35.4) | (21.0) |
Recoveries | 2.9 | 3.2 | 6.1 | 4.7 |
Net (Charge- Offs) Recoveries | (19.4) | (5.7) | (29.3) | (16.3) |
Provision for Credit Losses | 24.2 | 8.5 | 43.6 | 15.1 |
Balance at End of Period | 294.0 | 278.1 | 294.0 | 278.1 | 279.7
Total commercial loans and leases | Commercial real estate |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 173.4 | 161.9 | 166.9 | 166.6 | 166.6
Charge- Offs | (3.0) | (3.2) | (10.6) | (10.3) | (38.6)
Recoveries | 0.2 | 0.8 | 0.6 | 1.2 |
Net (Charge- Offs) Recoveries | (2.8) | (2.4) | (10.0) | (9.1) |
Provision for Credit Losses | 8.9 | (1.8) | 22.6 | 0.2 |
Balance at End of Period | 179.5 | 157.7 | 179.5 | 157.7 | 166.9
Total commercial loans and leases | Commercial and industrial |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 88.6 | 86.9 | 85.6 | 87.8 | 87.8
Charge- Offs | (18.1) | (4.7) | (22.4) | (8.6) | (20.9)
Recoveries | 2.5 | 1.7 | 5.0 | 2.5 |
Net (Charge- Offs) Recoveries | (15.6) | (3.0) | (17.4) | (6.1) |
Provision for Credit Losses | 15.3 | 9.6 | 20.1 | 11.8 |
Balance at End of Period | 88.3 | 93.5 | 88.3 | 93.5 | 85.6
Total commercial loans and leases | Commercial leases |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 22.8 | 22.4 | 22.9 | 21.2 | 21.2
Charge- Offs | (0.1) | 0.0 | (0.2) | (0.2) | (0.3)
Recoveries | 0.0 | 0.1 | 0.0 | 0.1 |
Net (Charge- Offs) Recoveries | (0.1) | 0.1 | (0.2) | (0.1) |
Provision for Credit Losses | (1.1) | 0.4 | (1.1) | 1.8 |
Balance at End of Period | 21.6 | 22.9 | 21.6 | 22.9 | 22.9
Total commercial loans and leases | Other |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 4.4 | 4.1 | 4.3 | 3.7 | 3.7
Charge- Offs | (1.1) | (1.0) | (2.2) | (1.9) | (4.2)
Recoveries | 0.2 | 0.6 | 0.5 | 0.9 |
Net (Charge- Offs) Recoveries | (0.9) | (0.4) | (1.7) | (1.0) |
Provision for Credit Losses | 1.1 | 0.3 | 2.0 | 1.3 |
Balance at End of Period | 4.6 | 4.0 | 4.6 | 4.0 | 4.3
Total commercial loans and leases | Unfunded loan commitment |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Provision for Credit Losses | 0.8 | (0.1) | (0.3) | 0.4 |
Total consumer loans |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 139.7 | 131.0 | 143.1 | 126.3 | 126.3
Charge- Offs | (3.6) | (3.4) | (6.9) | (6.8) |
Recoveries | 1.2 | 1.3 | 1.9 | 2.5 |
Net (Charge- Offs) Recoveries | (2.4) | (2.1) | (5.0) | (4.3) |
Provision for Credit Losses | 0.8 | 11.8 | 0.0 | 18.7 |
Balance at End of Period | 138.1 | 140.7 | 138.1 | 140.7 | 143.1
Total consumer loans | Direct installment |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 28.1 | 30.6 | 29.1 | 33.8 | 33.8
Charge- Offs | (0.2) | (0.4) | (0.6) | (0.6) | (1.8)
Recoveries | 0.2 | 0.2 | 0.3 | 0.4 |
Net (Charge- Offs) Recoveries | 0.0 | (0.2) | (0.3) | (0.2) |
Provision for Credit Losses | (1.5) | 0.5 | (2.2) | (2.7) |
Balance at End of Period | 26.6 | 30.9 | 26.6 | 30.9 | 29.1
Total consumer loans | Residential mortgages |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 94.1 | 79.3 | 95.9 | 70.5 | 70.5
Charge- Offs | (1.4) | (0.2) | (1.8) | (0.2) | (2.6)
Recoveries | 0.1 | 0.1 | 0.2 | 0.1 |
Net (Charge- Offs) Recoveries | (1.3) | (0.1) | (1.6) | (0.1) |
Provision for Credit Losses | 2.6 | 9.0 | 1.1 | 17.8 |
Balance at End of Period | 95.4 | 88.2 | 95.4 | 88.2 | 95.9
Total consumer loans | Indirect installment |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 9.2 | 12.5 | 9.5 | 12.8 | 12.8
Charge- Offs | (1.7) | (2.5) | (3.9) | (5.4) | (11.8)
Recoveries | 0.8 | 0.9 | 1.2 | 1.5 |
Net (Charge- Offs) Recoveries | (0.9) | (1.6) | (2.7) | (3.9) |
Provision for Credit Losses | 1.0 | 2.2 | 2.5 | 4.2 |
Balance at End of Period | 9.3 | 13.1 | 9.3 | 13.1 | 9.5
Total consumer loans | Consumer lines of credit |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 8.3 | 8.6 | 8.6 | 9.2 | 9.2
Charge- Offs | (0.3) | (0.3) | (0.6) | (0.6) | (1.6)
Recoveries | 0.1 | 0.1 | 0.2 | 0.5 |
Net (Charge- Offs) Recoveries | (0.2) | (0.2) | (0.4) | (0.1) |
Provision for Credit Losses | (1.3) | 0.1 | (1.4) | (0.6) |
Balance at End of Period | 6.8 | 8.5 | 6.8 | 8.5 | 8.6
Total consumer loans | Unfunded loan commitment |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Provision for Credit Losses | (0.1) | 0.0 | (0.1) | (0.1) |
Allowance for credit losses on loans and leases |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 428.9 | 406.3 | 422.8 | 405.6 | 405.6
Charge- Offs | (25.9) | (12.3) | (42.3) | (27.8) |
Recoveries | 4.1 | 4.5 | 8.0 | 7.2 |
Net (Charge- Offs) Recoveries | (21.8) | (7.8) | (34.3) | (20.6) |
Provision for Credit Losses | 25.0 | 20.3 | 43.6 | 33.8 |
Balance at End of Period | 432.1 | 418.8 | 432.1 | 418.8 | 422.8
Allowance for credit losses on loans and leases and allowance for unfunded loan commitments |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 449.2 | 428.2 | 444.2 | 427.1 | 427.1
Charge- Offs | (25.9) | (12.3) | (42.3) | (27.8) |
Recoveries | 4.1 | 4.5 | 8.0 | 7.2 |
Net (Charge- Offs) Recoveries | (21.8) | (7.8) | (34.3) | (20.6) |
Provision for Credit Losses | 25.7 | 20.2 | 43.2 | 34.1 |
Balance at End of Period | $ 453.1 | $ 440.6 | $ 453.1 | $ 440.6 | $ 444.2

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