LOANS AND LEASES (Tables)

6 Months Ended

Jun. 30, 2025

Receivables [Abstract]

Schedule of loans and leases

The following table presents loans and leases, excluding LHFS:

(dollars in millions)	June 30, 2025	December 31, 2024
Commercial and industrial	$45,412	$42,551
Commercial real estate	26,230	27,225
Total commercial	71,642	69,776
Residential mortgages	33,823	32,726
Home equity	17,711	16,495
Automobile	3,407	4,744
Education	8,550	10,812
Other retail	4,171	4,650
Total retail	67,662	69,427
Total loans and leases	$139,304	$139,203

The following table presents the composition of LHFS:

	June 30, 2025				December 31, 2024
(dollars in millions)	Residential Mortgages(1)	Other retail(2)	Commercial(3)	Total	Residential Mortgages(1)	Commercial(3)	Total
Loans held for sale at fair value	$766	$—	$169	$935	$633	$192	$825
Other loans held for sale	—	979	179	1,158	—	33	33
Total loans held for sale	$766	$979	$348	$2,093	$633	$225	$858

(1) Residential mortgage LHFS at fair value are originated for sale.

(2) Other retail LHFS consist of education loans.

(3) Commercial LHFS at fair value consist of loans managed by the Company’s commercial secondary loan desk. Other commercial LHFS primarily consist of loans associated with the Company’s syndication business.