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ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
 6 Months Ended
Jun. 30, 2025
Receivables [Abstract]  
Schedule of Allowance for Loan and Lease Losses
The ALLL activity for loans and leases is summarized in the following table:

Allowance for Loan and Lease Losses
dollars in millionsThree Months Ended June 30, 2025Three Months Ended June 30, 2024
CommercialConsumerTotalCommercialConsumerTotal
Balance at beginning of period$1,517 $163 $1,680 $1,582 $155 $1,737 
Provision for loan and lease losses
111 — 111 94 1 95 
Charge-offs
(137)(7)(144)(153)(6)(159)
Recoveries21 4 25 24 3 27 
Balance at end of period$1,512 $160 $1,672 $1,547 $153 $1,700 

dollars in millionsSix Months Ended June 30, 2025Six Months Ended June 30, 2024
CommercialConsumerTotalCommercialConsumerTotal
Balance at beginning of period$1,518 $158 $1,676 $1,581 $166 $1,747 
Provision (benefit) for loan and lease losses
249 10 259 193 (5)188 
Charge-offs
(296)(15)(311)(274)(13)(287)
Recoveries41 7 48 47 5 52 
Balance at end of period$1,512 $160 $1,672 $1,547 $153 $1,700 
The following table presents the components of the provision for credit losses:

Provision for Credit Losses
dollars in millionsThree Months Ended June 30,Six Months Ended June 30,
2025202420252024
Provision for loan and lease losses
$111 $95 $259 $188 
Provision (benefit) for off-balance sheet credit exposure4 — 10 (29)
Provision for credit losses$115 $95 $269 $159