XML 107 R84.htm IDEA: XBRL DOCUMENT v3.25.0.1
CREDIT QUALITY AND THE ALLOWANCE FOR CREDIT LOSSES - Modified (Details) - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 1,595,000,000 $ 1,093,000,000
Total as a % of Loan Class 1.15% 0.75%
Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 933,000,000 $ 724,000,000
Financing Receivables, 30 to 59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 110,000,000 20,000,000
Financing Receivables, 60 to 89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 8,000,000 8,000,000
Financing Receivables, 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 26,000,000 43,000,000
Nonaccrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 518,000,000 298,000,000
Commercial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 1,384,000,000 $ 918,000,000
Total as a % of Loan Class 1.98% 1.23%
Commercial | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 836,000,000 $ 613,000,000
Commercial | Financing Receivables, 30 to 59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 95,000,000 7,000,000
Commercial | Financing Receivables, 60 to 89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Commercial | Financing Receivables, 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 4,000,000 26,000,000
Commercial | Nonaccrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 449,000,000 272,000,000
Commercial | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 357,000,000 $ 325,000,000
Total as a % of Loan Class 0.84% 0.74%
Weighted-Average Interest Rate Reduction 3.78% 2.02%
Weighted-Average Term Extension (in Months) 15 months 15 months
Weighted-Average Payment Deferral $ 4,000,000 $ 1,000,000
Commercial | Commercial and industrial | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 290,000,000 211,000,000
Commercial | Commercial and industrial | Financing Receivables, 30 to 59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 3,000,000 0
Commercial | Commercial and industrial | Financing Receivables, 60 to 89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Commercial | Commercial and industrial | Financing Receivables, 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Commercial | Commercial and industrial | Nonaccrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 64,000,000 114,000,000
Commercial | Commercial real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 1,027,000,000 $ 593,000,000
Total as a % of Loan Class 3.77% 2.01%
Weighted-Average Interest Rate Reduction 2.83% 0.59%
Weighted-Average Term Extension (in Months) 17 months 11 months
Weighted-Average Payment Deferral $ 1,000,000 $ 0
Commercial | Commercial real estate | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 546,000,000 402,000,000
Commercial | Commercial real estate | Financing Receivables, 30 to 59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 92,000,000 7,000,000
Commercial | Commercial real estate | Financing Receivables, 60 to 89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Commercial | Commercial real estate | Financing Receivables, 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 4,000,000 26,000,000
Commercial | Commercial real estate | Nonaccrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 385,000,000 158,000,000
Retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 211,000,000 $ 175,000,000
Total as a % of Loan Class 0.30% 0.24%
Retail | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 97,000,000 $ 111,000,000
Retail | Financing Receivables, 30 to 59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 15,000,000 13,000,000
Retail | Financing Receivables, 60 to 89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 8,000,000 8,000,000
Retail | Financing Receivables, 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 22,000,000 17,000,000
Retail | Nonaccrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 69,000,000 26,000,000
Retail | Residential mortgages    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 114,000,000 $ 109,000,000
Total as a % of Loan Class 0.35% 0.35%
Weighted-Average Interest Rate Reduction 1.83% 1.58%
Weighted-Average Term Extension (in Months) 94 months 50 months
Weighted-Average Payment Deferral $ 0 $ 0
Retail | Residential mortgages | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 49,000,000 61,000,000
Retail | Residential mortgages | Financing Receivables, 30 to 59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 13,000,000 11,000,000
Retail | Residential mortgages | Financing Receivables, 60 to 89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 7,000,000 7,000,000
Retail | Residential mortgages | Financing Receivables, 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 22,000,000 17,000,000
Retail | Residential mortgages | Nonaccrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 23,000,000 13,000,000
Retail | Home equity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 23,000,000 $ 15,000,000
Total as a % of Loan Class 0.14% 0.10%
Weighted-Average Interest Rate Reduction 4.01% 2.64%
Weighted-Average Term Extension (in Months) 71 months 120 months
Weighted-Average Payment Deferral $ 0 $ 0
Retail | Home equity | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 10,000,000 5,000,000
Retail | Home equity | Financing Receivables, 30 to 59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Home equity | Financing Receivables, 60 to 89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Home equity | Financing Receivables, 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Home equity | Nonaccrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 13,000,000 10,000,000
Retail | Automobile    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 0 $ 0
Total as a % of Loan Class 0.00% 0.00%
Weighted-Average Interest Rate Reduction 0.00% 3.60%
Weighted-Average Term Extension (in Months)   18 months
Weighted-Average Payment Deferral $ 0 $ 0
Retail | Automobile | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Automobile | Financing Receivables, 30 to 59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Automobile | Financing Receivables, 60 to 89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Automobile | Financing Receivables, 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Automobile | Nonaccrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Education    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 58,000,000 $ 40,000,000
Total as a % of Loan Class 0.54% 0.34%
Weighted-Average Interest Rate Reduction 4.41% 4.76%
Weighted-Average Term Extension (in Months) 12 months  
Weighted-Average Payment Deferral $ 0 $ 0
Retail | Education | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 26,000,000 37,000,000
Retail | Education | Financing Receivables, 30 to 59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 1,000,000
Retail | Education | Financing Receivables, 60 to 89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Education | Financing Receivables, 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Education | Nonaccrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 32,000,000 2,000,000
Retail | Other retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 16,000,000 $ 11,000,000
Total as a % of Loan Class 0.34% 0.22%
Weighted-Average Interest Rate Reduction 20.18% 18.68%
Weighted-Average Payment Deferral $ 0 $ 0
Retail | Other retail | Current    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 12,000,000 8,000,000
Retail | Other retail | Financing Receivables, 30 to 59 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 2,000,000 1,000,000
Retail | Other retail | Financing Receivables, 60 to 89 Days Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 1,000,000 1,000,000
Retail | Other retail | Financing Receivables, 90 Days or More Past Due    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Retail | Other retail | Nonaccrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 1,000,000 1,000,000
Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 39,000,000 31,000,000
Interest Rate Reduction | Commercial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 1,000,000
Interest Rate Reduction | Commercial | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 1,000,000
Interest Rate Reduction | Commercial | Commercial real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Interest Rate Reduction | Retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 39,000,000 30,000,000
Interest Rate Reduction | Retail | Residential mortgages    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 6,000,000 8,000,000
Interest Rate Reduction | Retail | Home equity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 6,000,000 2,000,000
Interest Rate Reduction | Retail | Automobile    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Interest Rate Reduction | Retail | Education    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 11,000,000 9,000,000
Interest Rate Reduction | Retail | Other retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 16,000,000 11,000,000
Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 965,000,000 856,000,000
Term Extension | Commercial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 885,000,000 774,000,000
Term Extension | Commercial | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 235,000,000 252,000,000
Term Extension | Commercial | Commercial real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 650,000,000 522,000,000
Term Extension | Retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 80,000,000 82,000,000
Term Extension | Retail | Residential mortgages    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 74,000,000 77,000,000
Term Extension | Retail | Home equity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 3,000,000 5,000,000
Term Extension | Retail | Automobile    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Term Extension | Retail | Education    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 3,000,000 0
Term Extension | Retail | Other retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 259,000,000 103,000,000
Payment Delay | Commercial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 212,000,000 69,000,000
Payment Delay | Commercial | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 99,000,000 69,000,000
Payment Delay | Commercial | Commercial real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 113,000,000 0
Payment Delay | Retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 47,000,000 34,000,000
Payment Delay | Retail | Residential mortgages    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 12,000,000 3,000,000
Payment Delay | Retail | Home equity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 1,000,000 0
Payment Delay | Retail | Automobile    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Payment Delay | Retail | Education    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 34,000,000 31,000,000
Payment Delay | Retail | Other retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Principal Forgiveness    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Principal Forgiveness | Commercial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Principal Forgiveness | Commercial | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Amount of Principal Forgiven 0 0
Principal Forgiveness | Commercial | Commercial real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Amount of Principal Forgiven 0 0
Principal Forgiveness | Retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Principal Forgiveness | Retail | Residential mortgages    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Amount of Principal Forgiven 0 0
Principal Forgiveness | Retail | Home equity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Amount of Principal Forgiven 0 0
Principal Forgiveness | Retail | Automobile    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Amount of Principal Forgiven 0 0
Principal Forgiveness | Retail | Education    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Amount of Principal Forgiven 0 0
Principal Forgiveness | Retail | Other retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Amount of Principal Forgiven 6,000,000 5,000,000
Interest Rate Reduction and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 160,000,000 99,000,000
Interest Rate Reduction and Term Extension | Commercial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 131,000,000 71,000,000
Interest Rate Reduction and Term Extension | Commercial | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 1,000,000 1,000,000
Interest Rate Reduction and Term Extension | Commercial | Commercial real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 130,000,000 70,000,000
Interest Rate Reduction and Term Extension | Retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 29,000,000 28,000,000
Interest Rate Reduction and Term Extension | Retail | Residential mortgages    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 16,000,000 20,000,000
Interest Rate Reduction and Term Extension | Retail | Home equity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 13,000,000 8,000,000
Interest Rate Reduction and Term Extension | Retail | Automobile    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Interest Rate Reduction and Term Extension | Retail | Education    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Interest Rate Reduction and Term Extension | Retail | Other retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Term Extension and Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 170,000,000 4,000,000
Term Extension and Payment Delay | Commercial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 155,000,000 3,000,000
Term Extension and Payment Delay | Commercial | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 21,000,000 2,000,000
Term Extension and Payment Delay | Commercial | Commercial real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 134,000,000 1,000,000
Term Extension and Payment Delay | Retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 15,000,000 1,000,000
Term Extension and Payment Delay | Retail | Residential mortgages    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 5,000,000 1,000,000
Term Extension and Payment Delay | Retail | Home equity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Term Extension and Payment Delay | Retail | Automobile    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 0
Term Extension and Payment Delay | Retail | Education    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 10,000,000 0
Term Extension and Payment Delay | Retail | Other retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0 $ 0
Interest Rate Reduction, Term Extension and Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 2,000,000  
Interest Rate Reduction, Term Extension and Payment Delay | Commercial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 1,000,000  
Interest Rate Reduction, Term Extension and Payment Delay | Commercial | Commercial and industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 1,000,000  
Interest Rate Reduction, Term Extension and Payment Delay | Commercial | Commercial real estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0  
Interest Rate Reduction, Term Extension and Payment Delay | Retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 1,000,000  
Interest Rate Reduction, Term Extension and Payment Delay | Retail | Residential mortgages    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 1,000,000  
Interest Rate Reduction, Term Extension and Payment Delay | Retail | Home equity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0  
Interest Rate Reduction, Term Extension and Payment Delay | Retail | Automobile    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0  
Interest Rate Reduction, Term Extension and Payment Delay | Retail | Education    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis 0  
Interest Rate Reduction, Term Extension and Payment Delay | Retail | Other retail    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Amortized cost basis $ 0