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LOANS AND LEASES (Tables)
 12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Schedule of loans and leases
The following table presents loans and leases, excluding LHFS:
December 31,
(dollars in millions)20252024
Commercial and industrial$49,232 $42,551 
Commercial real estate24,580 27,225 
Total commercial73,812 69,776 
Residential mortgages35,024 32,726 
Home equity19,069 16,495 
Automobile2,310 4,744 
Education8,416 10,812 
Other retail 4,061 4,650 
Total retail68,880 69,427 
Total loans and leases$142,692 $139,203 
The following table presents the composition of LHFS:
December 31, 2025December 31, 2024
(dollars in millions)
Residential Mortgages(1)
Commercial(2)
Total
Residential Mortgages(1)
Commercial(2)
Total
Loans held for sale at fair value$895 $170 $1,065 $633 $192 $825 
Other loans held for sale— 133 133 — 33 33 
Total loans held for sale
$895 $303 $1,198 $633 $225 $858 
(1) Residential mortgage LHFS at fair value are originated for sale.
(2) 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.
Schedule of investment in leases, before the ALLL
The components of the net investment in direct financing and sales-type leases, before ALLL, are presented below:
December 31,
(dollars in millions)20252024
Total future minimum lease rentals$1,005 $916 
Estimated residual value of leased equipment (non-guaranteed)225 231 
Initial direct costs4 4 
Unearned income(154)(124)
Total leases$1,080 $1,027 
Maturity analysis of direct financing lease receivables
A maturity analysis of direct financing and sales-type lease receivables at December 31, 2025 is presented below:
Year
(dollars in millions)
2026$237 
2027231 
2028180 
2029120 
2030107 
Thereafter130 
Total undiscounted future minimum lease rentals$1,005