The following table presents ACL activity by portfolio segment.


(dollar amounts in millions)	Commercial		Consumer		Total
Three months ended June 30, 2025
ALLL balance, beginning of period	$	1,520	$	743	$	2,263

Loan and lease charge-offs	(56)		(55)		(111)
Recoveries of loans and leases previously charged-off	25		20		45
Provision for loan and lease losses	59		75		134


ALLL balance, end of period	$	1,548	$	783	$	2,331
AULC balance, beginning of period	$	158	$	57	$	215

Provision (benefit) for unfunded lending commitments	(34)		3		(31)


AULC balance, end of period	$	124	$	60	$	184
ACL balance, end of period	$	1,672	$	843	$	2,515
Three months ended June 30, 2024
ALLL balance, beginning of period	$	1,589	$	691	$	2,280

Loan and lease charge-offs	(95)		(50)		(145)
Recoveries of loans and leases previously charged-off	38		17		55
Provision for loan and lease losses	55		59		114


ALLL balance, end of period	$	1,587	$	717	$	2,304
AULC balance, beginning of period	$	69	$	66	$	135

Provision (benefit) for unfunded lending commitments	(5)		(11)		(16)


AULC balance, end of period	$	64	$	55	$	119
ACL balance, end of period	$	1,651	$	772	$	2,423
Six months ended June 30, 2025
ALLL balance, beginning of period	$	1,484	$	760	$	2,244
Loan and lease charge-offs	(130)		(114)		(244)
Recoveries of loans and leases previously charged-off	55		37		92
Provision for loan and lease losses	139		100		239
ALLL balance, end of period	$	1,548	$	783	$	2,331
AULC balance, beginning of period	$	144	$	58	$	202
Provision (benefit) for unfunded lending commitments	(20)		2		(18)
AULC balance, end of period	$	124	$	60	$	184
ACL balance, end of period	$	1,672	$	843	$	2,515
Six months ended June 30, 2024
ALLL balance, beginning of period	$	1,563	$	692	$	2,255
Loan and lease charge-offs	(169)		(104)		(273)
Recoveries of loans and leases previously charged-off	57		34		91
Provision for loan and lease losses	136		95		231
ALLL balance, end of period	$	1,587	$	717	$	2,304
AULC balance, beginning of period	$	66	$	79	$	145
Provision (benefit) for unfunded lending commitments	(2)		(24)		(26)
AULC balance, end of period	$	64	$	55	$	119
ACL balance, end of period	$	1,651	$	772	$	2,423