The following table presents ACL activity by portfolio segment.


(dollar amounts in millions)	Commercial		Consumer		Total
Three months ended September 30, 2025
ALLL balance, beginning of period	$	1,548	$	783	$	2,331

Loan and lease charge-offs	(80)		(57)		(137)
Recoveries of loans and leases previously charged-off	44		18		62
Provision for loan and lease losses	56		62		118


ALLL balance, end of period	$	1,568	$	806	$	2,374
AULC balance, beginning of period	$	124	$	60	$	184

Provision for unfunded lending commitments	1		3		4


AULC balance, end of period	$	125	$	63	$	188
ACL balance, end of period	$	1,693	$	869	$	2,562
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
Nine months ended September 30, 2025
ALLL balance, beginning of period	$	1,484	$	760	$	2,244
Loan and lease charge-offs	(210)		(171)		(381)
Recoveries of loans and leases previously charged-off	99		55		154
Provision for loan and lease losses	195		162		357
ALLL balance, end of period	$	1,568	$	806	$	2,374
AULC balance, beginning of period	$	144	$	58	$	202
Provision (benefit) for unfunded lending commitments	(19)		5		(14)
AULC balance, end of period	$	125	$	63	$	188
ACL balance, end of period	$	1,693	$	869	$	2,562
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