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LOANS AND LEASES (Tables)
 6 Months Ended
Jun. 30, 2022
Receivables [Abstract]  
Summary of Loans and Leases, Net of Unearned Income
Following is a summary of total loans and leases, net of unearned income:
TABLE 5.1
(in millions)June 30, 2022December 31, 2021
Commercial real estate$10,787 $9,899 
Commercial and industrial6,564 5,977 
Commercial leases504 495 
Other136 94 
Total commercial loans and leases17,991 16,465 
Direct installment2,769 2,376 
Residential mortgages4,595 3,654 
Indirect installment1,384 1,227 
Consumer lines of credit1,305 1,246 
Total consumer loans10,053 8,503 
Total loans and leases, net of unearned income$28,044 $24,968 
Certain Information Relating to Commercial Real Estate Loans
The following table shows occupancy information relating to commercial real estate loans:
TABLE 5.2
(dollars in millions)June 30,
2022		December 31,
2021
Commercial real estate:
Percent owner-occupied29.6 %28.8 %
Percent non-owner-occupied70.4 71.2 
Summary of Loan, Credit Quality Indicators We use an internal risk rating assigned to a commercial loan or lease at origination, summarized below.
TABLE 5.3
Rating CategoryDefinition
Passin general, the condition of the borrower and the performance of the loan is satisfactory or better
Special Mentionin general, the condition of the borrower has deteriorated, requiring an increased level of monitoring
Substandardin general, the condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate if deficiencies are not corrected
Doubtfulin general, the condition of the borrower has significantly deteriorated and the collection in full of both principal and interest is highly questionable or improbable
Schedule of Financing Receivables, Originated Year
The following tables summarize the designated loan rating category by loan class including term loans on an amortized cost basis by origination year:
TABLE 5.4
June 30, 202220222021202020192018PriorRevolving Loans Amortized Cost BasisTotal
(in millions)
COMMERCIAL
Commercial Real Estate:
Risk Rating:
   Pass$897 $2,126 $1,743 $1,422 $785 $2,738 $252 $9,963 
   Special Mention1 33 21 85 99 259 3 501 
   Substandard2 11 13 35 45 189 28 323 
Total commercial real estate900 2,170 1,777 1,542 929 3,186 283 10,787 
Commercial and Industrial:
Risk Rating:
   Pass858 1,294 760 682 356 434 1,798 6,182 
   Special Mention1 4 21 10 4 102 38 180 
   Substandard2 17 10 15 50 57 51 202 
Total commercial and industrial861 1,315 791 707 410 593 1,887 6,564 
Commercial Leases:
Risk Rating:
   Pass87 157 88 83 46 36 — 497 
   Special Mention— — 1 — — — — 1 
   Substandard— 1 2 2 1 — — 6 
Total commercial leases87 158 91 85 47 36 — 504 
Other Commercial:
Risk Rating:
   Pass60 — — — — 13 63 136 
Total other commercial60 — — — — 13 63 136 
Total commercial loans and leases1,908 3,643 2,659 2,334 1,386 3,828 2,233 17,991 
CONSUMER
Direct Installment:
   Current604 945 493 182 103 429 — 2,756 
   Past due— 1 1 — 1 10 — 13 
Total direct installment604 946 494 182 104 439 — 2,769 
Residential Mortgages:
   Current701 1,518 907 401 141 885 — 4,553 
   Past due— 2 3 1 3 33 — 42 
Total residential mortgages701 1,520 910 402 144 918 — 4,595 
Indirect Installment:
   Current425 432 209 118 122 62 — 1,368 
   Past due1 8 3 2 1 1 — 16 
Total indirect installment426 440 212 120 123 63 — 1,384 
Consumer Lines of Credit:
   Current47 20 3 3 4 133 1,080 1,290 
   Past due— — — — — 13 2 15 
Total consumer lines of credit47 20 3 3 4 146 1,082 1,305 
Total consumer loans1,778 2,926 1,619 707 375 1,566 1,082 10,053 
Total loans and leases$3,686 $6,569 $4,278 $3,041 $1,761 $5,394 $3,315 $28,044 
December 31, 202120212020201920182017PriorRevolving Loans Amortized Cost BasisTotal
(in millions)
COMMERCIAL
Commercial Real Estate:
Risk Rating:
   Pass$1,878 $1,782 $1,503 $830 $743 $2,171 $183 $9,090 
   Special Mention15 21 89 105 107 175 9 521 
   Substandard— 15 28 45 45 152 3 288 
Total commercial real estate1,893 1,818 1,620 980 895 2,498 195 9,899 
Commercial and Industrial:
Risk Rating:
   Pass1,663 833 731 386 184 296 1,509 5,602 
   Special Mention8 12 18 7 37 42 52 176 
   Substandard1 4 14 57 42 17 64 199 
Total commercial and industrial1,672 849 763 450 263 355 1,625 5,977 
Commercial Leases:
Risk Rating:
   Pass182 109 98 53 39 1 — 482 
   Special Mention— 1 — 2 3 1 — 7 
   Substandard— 2 3 1 — — — 6 
Total commercial leases182 112 101 56 42 2 — 495 
Other Commercial:
Risk Rating:
   Pass39 — — — — 3 52 94 
Total other commercial39 — — — — 3 52 94 
Total commercial loans and leases3,786 2,779 2,484 1,486 1,200 2,858 1,872 16,465 
CONSUMER
Direct Installment:
   Current978 538 215 125 96 412 — 2,364 
   Past due— — 1 1 — 10 — 12 
Total direct installment978 538 216 126 96 422 — 2,376 
Residential Mortgages:
   Current1,280 932 392 152 212 652 — 3,620 
   Past due1 1 1 3 3 25 — 34 
Total residential mortgages1,281 933 393 155 215 677 — 3,654 
Indirect Installment:
   Current516 262 157 178 64 35 — 1,212 
   Past due6 3 2 2 1 1 — 15 
Total indirect installment522 265 159 180 65 36 — 1,227 
Consumer Lines of Credit:
   Current20 3 4 5 3 127 1,072 1,234 
   Past due— — — — — 10 2 12 
Total consumer lines of credit20 3 4 5 3 137 1,074 1,246 
Total consumer loans2,801 1,739 772 466 379 1,272 1,074 8,503 
Total loans and leases$6,587 $4,518 $3,256 $1,952 $1,579 $4,130 $2,946 $24,968 
Age Analysis of Past Due Loans, by Class
The following tables provide an analysis of the aging of loans by class.
TABLE 5.5
(in millions)30-89 Days
Past Due
> 90 Days
Past Due
and Still
Accruing
Non-
Accrual		Total
Past Due		CurrentTotal
Loans and
Leases		Non-accrual with No ACL
June 30, 2022
Commercial real estate$8 $— $49 $57 $10,730 $10,787 $31 
Commercial and industrial7 — 10 17 6,547 6,564 2 
Commercial leases2 — 1 3 501 504 — 
Other— — — — 136 136 — 
Total commercial loans and leases17 — 60 77 17,914 17,991 33 
Direct installment5 1 7 13 2,756 2,769 — 
Residential mortgages21 4 17 42 4,553 4,595 — 
Indirect installment13 1 2 16 1,368 1,384 — 
Consumer lines of credit7 2 6 15 1,290 1,305 — 
Total consumer loans46 8 32 86 9,967 10,053 — 
Total loans and leases$63 $8 $92 $163 $27,881 $28,044 $33 

(in millions)30-89 Days
Past Due
> 90 Days
Past Due
and Still
Accruing
Non-
Accrual		Total
Past Due 		CurrentTotal
Loans and
Leases		Non-accrual with No ACL
December 31, 2021
Commercial real estate$11 $— $48 $59 $9,840 $9,899 $20 
Commercial and industrial4 — 15 19 5,958 5,977 4 
Commercial leases1 — 1 2 493 495 — 
Other— — — — 94 94 — 
Total commercial loans and leases16 — 64 80 16,385 16,465 24 
Direct installment5 — 7 12 2,364 2,376 — 
Residential mortgages20 4 10 34 3,620 3,654 — 
Indirect installment12 1 2 15 1,212 1,227 — 
Consumer lines of credit6 1 5 12 1,234 1,246 — 
Total consumer loans43 6 24 73 8,430 8,503 — 
Total loans and leases$59 $6 $88 $153 $24,815 $24,968 $24 
Summary of Non-Performing Assets
Following is a summary of non-performing assets:
TABLE 5.6
(dollars in millions)June 30,
2022		December 31,
2021
Non-accrual loans$92 $88 
Total non-performing loans
92 88 
Other real estate owned 10 8 
Total non-performing assets
$102 $96 
Asset quality ratios:
Non-performing loans / total loans and leases
0.33 %0.35 %
Non-performing assets + 90 days past due / total loans and leases + OREO
0.39 0.41 
Summary of the Composition of Total TDRs
Following is a summary of the composition of total TDRs:
TABLE 5.7
(in millions)June 30,
2022		December 31,
2021
Accruing$62 $60 
Non-accrual33 32 
Total TDRs$95 $92 
Summary of Troubled Debt Restructurings by Class of Loans
Following is a summary of TDR loans, by class, for loans that were modified during the periods indicated:
TABLE 5.8
Three Months Ended June 30, 2022Six Months Ended June 30, 2022
(dollars in millions)Number
of
Contracts		Pre-
Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment		Number
of
Contracts		Pre-
Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment
Commercial real estate7 $3 $3 9 $3 $4 
Commercial and industrial6 1 — 6 1 1 
Total commercial loans13 4 3 15 4 5 
Direct installment13 1 1 26 1 1 
Residential mortgages15 3 3 20 3 3 
Consumer lines of credit5 — 1 8 1 1 
Total consumer loans33 4 5 54 5 5 
Total46 $8 $8 69 $9 $10 

 Three Months Ended June 30, 2021Six Months Ended June 30, 2021
(dollars in millions)Number
of
Contracts		Pre-
Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment		Number
of
Contracts		Pre-
Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment
Commercial real estate9 $2 $2 19 $19 $19 
Commercial and industrial4 — — 5 — — 
Total commercial loans13 2 2 24 19 19 
Direct installment9 — — 19 1 1 
Residential mortgages2 — — 3 — — 
Consumer lines of credit15 1 1 25 2 2 
Total consumer loans26 1 1 47 3 3 
Total39 $3 $3 71 $22 $22 
Summary of Troubled Debt Restructurings by Class of Loans and Leases, Payment Default
Following is a summary of TDRs, by class, for which there was a payment default, excluding loans that have been paid off and/or sold. Default occurs when a loan is 90 days or more past due and is within 12 months of restructuring.
TABLE 5.9
 Three Months Ended
June 30, 2022		Six Months Ended
June 30, 2022
(dollars in millions)Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
Commercial real estate— $— 2 $— 
Total commercial loans— — 2 — 
Direct installment1 — 2 — 
Residential mortgages3 — 3 — 
Total consumer loans4 — 5 — 
Total4 $— 7 $— 

 Three Months Ended
June 30, 2021		Six Months Ended
June 30, 2021
(dollars in millions)Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
Commercial and industrial— $— 1 $— 
Total commercial loans— — 1 — 
Direct installment1 — 1 — 
Residential mortgages— — 1 — 
Total consumer loans1 — 2 — 
Total1 $— 3 $—