LOANS AND LEASES (Tables)

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Schedule of loans and leases

The following table presents loans and leases, excluding LHFS:

(dollars in millions)	September 30, 2025	December 31, 2024
Commercial and industrial	$46,953	$42,551
Commercial real estate	25,540	27,225
Total commercial	72,493	69,776
Residential mortgages	34,477	32,726
Home equity	18,415	16,495
Automobile	2,816	4,744
Education	8,556	10,812
Other retail	4,113	4,650
Total retail	68,377	69,427
Total loans and leases	$140,870	$139,203

The following table presents the composition of LHFS:

	September 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	$592	$—	$176	$768	$633	$192	$825
Other loans held for sale	—	466	100	566	—	33	33
Total loans held for sale	$592	$466	$276	$1,334	$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.