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PREMISES, EQUIPMENT, AND SOFTWARE (Tables)
 12 Months Ended
Dec. 31, 2024
Property, Plant and Equipment [Abstract]  
Summary of the carrying value of premises and equipment
A summary of the carrying value of premises and equipment is presented below:
December 31,
(dollars in millions)Useful Lives (years)20242023
Land and land improvements
10 - 75
$144 $143 
Buildings and leasehold improvements
5 - 60
887 875 
Furniture, fixtures and equipment
4 - 20
601 613 
Construction in progress53 77 
Total premises and equipment, gross1,685 1,708 
Accumulated depreciation and amortization
(810)(813)
Total premises and equipment, net$875 $895 
Schedule of estimated future amortization expense for capitalized software assets
The estimated future amortization expense for capitalized software assets is presented below.
Year(dollars in millions)
2025$244 
2026184 
2027129 
202872 
202916 
Thereafter— 
Total(1)
$645 
(1) Excludes $222 million of in-process software at December 31, 2024.