ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

Mar. 31, 2024

Credit Loss [Abstract]

Allowance Roll-forward

Allowance for Credit Losses - Roll-forward

The following tables present ACL activity by portfolio segment.

(dollar amounts in millions)	Commercial		Consumer		Total
Three months ended March 31, 2024
ALLL balance, beginning of period	$	1,563	$	692	$	2,255
Loan and lease charge-offs	(74)		(54)		(128)
Recoveries of loans and leases previously charged-off	19		17		36
Provision for loan and lease losses	81		36		117
ALLL balance, end of period	$	1,589	$	691	$	2,280
AULC balance, beginning of period	$	66	$	79	$	145
Provision (benefit) for unfunded lending commitments	3		(13)		(10)
AULC balance, end of period	$	69	$	66	$	135
ACL balance, end of period	$	1,658	$	757	$	2,415

Three months ended March 31, 2023
ALLL balance, beginning of period	$	1,424	$	697	$	2,121
Loan and lease charge-offs	(52)		(47)		(99)
Recoveries of loans and leases previously charged-off	23		19		42
Provision for loan and lease losses	62		16		78
ALLL balance, end of period	$	1,457	$	685	$	2,142
AULC balance, beginning of period	$	71	$	79	$	150
Provision for unfunded lending commitments	4		3		7
AULC balance, end of period	$	75	$	82	$	157
ACL balance, end of period	$	1,532	$	767	$	2,299