ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

12 Months Ended

Dec. 31, 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 millions	Year Ended December 31, 2025						Year Ended December 31, 2024						Year Ended December 31, 2023
	Commercial		Consumer		Total		Commercial		Consumer		Total		Commercial		Consumer		Total
Balance at beginning of period	$	1,518	$	158	$	1,676	$	1,581	$	166	$	1,747	$	789	$	133	$	922
Initial PCD ALLL	—		—		—		—		—		—		217		3		220
Day 2 Provision for Loan and Lease Losses	—		—		—		—		—		—		419		43		462
Provision (benefit) for loan and lease losses	538		(8)		530		461		8		469		701		2		703
Total provision (benefit) for loan and lease losses	538		(8)		530		461		8		469		1,120		45		1,165
Charge-offs	(708)		(33)		(741)		(627)		(30)		(657)		(610)		(28)		(638)
Recoveries	88		13		101		103		14		117		65		13		78
Balance at end of period	$	1,436	$	130	$	1,566	$	1,518	$	158	$	1,676	$	1,581	$	166	$	1,747

The following table presents the components of the provision for credit losses:

Provision for Credit Losses

dollars in millions	Year Ended December 31,
	2025		2024		2023
Day 2 Provision for Loan and Lease Losses	$	—	$	—	$	462
Provision for loan and lease losses	530		469		703
Total provision for loan and lease losses	530		469		1,165
Day 2 Provision for Off-Balance Sheet Credit Exposure	—		—		254
Benefit for off-balance sheet credit exposure	(18)		(38)		(44)
Total (benefit) provision for off-balance sheet credit exposure	(18)		(38)		210
Provision for other receivables	2		—		—
Provision for credit losses	$	514	$	431	$	1,375