Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Schedule of the Allowance for Loan Losses by Portfolio Segment

The following table provides a rollforward of the ALLL and the reserve for unfunded lending commitments by portfolio type for the three months ended March 31, 2025 and 2024.

ROLLFORWARD OF ALLL & RESERVE FOR UNFUNDED LENDING COMMITMENTS
(Dollars in millions)	Commercial, Financial, and Industrial		Commercial Real Estate		Consumer Real Estate		Credit Card and Other		Total
	Three Months Ended March 31, 2025
Allowance for loan and lease losses:
Balance as of January 1, 2025	$	345	$	227	$	221	$	22	$	815
Charge-offs	(34)		(3)		—		(4)		(41)
Recoveries	6		4		1		1		12
Provision for loan and lease losses	28		(3)		8		3		36
Balance as of March 31, 2025	$	345	$	225	$	230	$	22	$	822
Reserve for remaining unfunded commitments:
Balance as of January 1, 2025	$	57	$	11	$	11	$	—	$	79
Provision for remaining unfunded commitments	6		(2)		—		—		4
Balance as of March 31, 2025	63		9		11		—		83
Allowance for credit losses as of March 31, 2025	$	408	$	234	$	241	$	22	$	905
	Three Months Ended March 31, 2024
Allowance for loan and lease losses:
Balance as of January 1, 2024	$	339	$	172	$	233	$	29	$	773
Charge-offs	(28)		(12)		—		(6)		(46)
Recoveries	3		—		1		2		6
Provision for loan and lease losses	34		21		(3)		2		54
Balance as of March 31, 2024	$	348	$	181	$	231	$	27	$	787
Reserve for remaining unfunded commitments:
Balance as of January 1, 2024	$	49	$	22	$	12	$	—	$	83
Provision for remaining unfunded commitments	—		(4)		—		—		(4)
Balance as of March 31, 2024	49		18		12		—		79
Allowance for credit losses as of March 31, 2024	$	397	$	199	$	243	$	27	$	866

Schedule of Gross Charge offs by Year of Origination

The following table presents gross charge-offs by year of origination for the three months ended March 31, 2025 and 2024.

GROSS CHARGE-OFFS
	Three Months Ended March 31, 2025
(Dollars in millions)	2025		2024		2023		2022		2021		Prior to 2021		Revolving Loans		Total
C&I	$	—	$	—	$	—	$	5	$	16	$	12	$	1	$	34
CRE	—		—		—		—		—		3		—		3
Consumer Real Estate	—		—		—		—		—		—		—		—
Credit Card and Other	2		—		—		—		—		—		2		4
Total	$	2	$	—	$	—	$	5	$	16	$	15	$	3	$	41

	Three Months Ended March 31, 2024
(Dollars in millions)	2024		2023		2022		2021		2020		Prior to 2020		Revolving Loans		Total
C&I	$	—	$	—	$	7	$	13	$	1	$	6	$	1	$	28
CRE	—		—		—		—		—		12		—		12
Consumer Real Estate	—		—		—		—		—		—		—		—
Credit Card and Other	2		—		—		—		—		1		3		6
Total	$	2	$	—	$	7	$	13	$	1	$	19	$	4	$	46