Loan Portfolio (Tables)

9 Months Ended

Sep. 30, 2025

Loans Receivables [Abstract]

Schedule of Loans by Category

Loan Portfolio by Portfolio Segment and Class of Financing Receivable (a)

Dollars in millions	September 30, 2025		December 31, 2024
Commercial and industrial (b)(c)	$	56,791	$	52,909
Commercial real estate:
Commercial mortgage	13,378		13,310
Construction	2,817		2,936
Total commercial real estate loans	16,195		16,246
Commercial lease financing (c)	2,333		2,736
Total commercial loans	75,319		71,891
Real estate — residential mortgage	19,008		19,886
Home equity loans	5,863		6,358
Total residential loans	24,871		26,244
Other consumer loans	4,779		5,167
Credit cards	933		958
Total consumer loans	30,583		32,369
Total loans (d)	$	105,902	$	104,260

(a)Accrued interest of $472 million and $456 million at September 30, 2025, and December 31, 2024, respectively, presented in "Accrued income and other assets" on the Consolidated Balance Sheets is excluded from the amortized cost basis disclosed in this table.

(b)Loan balances include $212 million and $212 million of commercial credit card balances at September 30, 2025, and December 31, 2024, respectively.

(c)Commercial and industrial includes receivables held as collateral for a secured borrowing of $211 million at December 31, 2024. Commercial lease financing includes receivables of $1 million and $3 million held as collateral for a secured borrowing at September 30, 2025, and December 31, 2024, respectively. Principal reductions are based on the cash payments received from these related receivables. Additional information pertaining to these secured borrowings is included in Note 20 (“Long-Term Debt”) beginning on page 170 of our 2024 Form 10-K.

(d)Total loans exclude loans of $216 million at September 30, 2025, and $257 million at December 31, 2024, related to the discontinued operations of the education lending business. These amounts are included within “Discontinued assets” on the Consolidated Balance Sheet.