ALLOWANCE FOR CREDIT LOSSES (Tables)

9 Months Ended

Sep. 30, 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 September 30, 2024
ALLL balance, beginning of period	$	1,587	$	717	$	2,304
Loan and lease charge-offs	(74)		(55)		(129)
Recoveries of loans and leases previously charged-off	20		16		36
Provision (benefit) for loan and lease losses	(35)		59		24
ALLL balance, end of period	$	1,498	$	737	$	2,235
AULC balance, beginning of period	$	64	$	55	$	119
Provision for unfunded lending commitments	76		6		82
AULC balance, end of period	$	140	$	61	$	201
ACL balance, end of period	$	1,638	$	798	$	2,436
Three months ended September 30, 2023
ALLL balance, beginning of period	$	1,483	$	694	$	2,177
Loan and lease charge-offs	(85)		(46)		(131)
Recoveries of loans and leases previously charged-off	40		18		58
Provision for loan and lease losses	66		38		104
ALLL balance, end of period	$	1,504	$	704	$	2,208
AULC balance, beginning of period	$	78	$	87	$	165
Provision (benefit) for unfunded lending commitments	(2)		(3)		(5)
AULC balance, end of period	$	76	$	84	$	160
ACL balance, end of period	$	1,580	$	788	$	2,368

(dollar amounts in millions)	Commercial		Consumer		Total
Nine months ended September 30, 2024
ALLL balance, beginning of period	$	1,563	$	692	$	2,255
Loan and lease charge-offs	(243)		(159)		(402)
Recoveries of loans and leases previously charged-off	77		50		127
Provision for loan and lease losses	101		154		255
ALLL balance, end of period	$	1,498	$	737	$	2,235
AULC balance, beginning of period	$	66	$	79	$	145
Provision (benefit) for unfunded lending commitments	74		(18)		56
AULC balance, end of period	$	140	$	61	$	201
ACL balance, end of period	$	1,638	$	798	$	2,436
Nine months ended September 30, 2023
ALLL balance, beginning of period	$	1,424	$	697	$	2,121
Loan and lease charge-offs	(190)		(132)		(322)
Recoveries of loans and leases previously charged-off	89		54		143
Provision for loan and lease losses	181		85		266
ALLL balance, end of period	$	1,504	$	704	$	2,208
AULC balance, beginning of period	$	71	$	79	$	150
Provision for unfunded lending commitments	5		5		10
AULC balance, end of period	$	76	$	84	$	160
ACL balance, end of period	$	1,580	$	788	$	2,368