ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

Mar. 31, 2025

Credit Loss [Abstract]

Allowance Roll-forward

The following table presents ACL activity by portfolio segment.

(dollar amounts in millions)	Commercial		Consumer		Total
Three months ended March 31, 2025
ALLL balance, beginning of period	$	1,484	$	760	$	2,244
Loan and lease charge-offs	(74)		(59)		(133)
Recoveries of loans and leases previously charged-off	30		17		47
Provision for loan and lease losses	80		25		105
ALLL balance, end of period	$	1,520	$	743	$	2,263
AULC balance, beginning of period	$	144	$	58	$	202
Provision (benefit) for unfunded lending commitments	14		(1)		13
AULC balance, end of period	$	158	$	57	$	215
ACL balance, end of period	$	1,678	$	800	$	2,478

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