XML 87 R35.htm IDEA: XBRL DOCUMENT v3.25.3
Asset Quality (Tables)
 9 Months Ended
Sep. 30, 2025
Credit Loss [Abstract]  
Schedule of Financing Receivable, Allowance for Credit Loss The changes in the ALLL by loan category for the periods indicated are as follows:
Three months ended September 30, 2025:
Dollars in millionsJune 30, 2025ProvisionCharge-offsRecoveriesSeptember 30, 2025
Commercial and Industrial $678 $119 $(87)$21 $731 
Commercial real estate:
Real estate — commercial mortgage319 (15)(27)— 277 
Real estate — construction57 (7)— — 50 
Total commercial real estate loans376 (22)(27)— 327 
Commercial lease financing32 (7)— — 25 
Total commercial loans1,086 90 (114)21 1,083 
Real estate — residential mortgage68 (1)— 1 68 
Home equity loans69 (1)— — 68 
Other consumer loans141 15 (15)2 143 
Credit cards82 9 (11)2 82 
Total consumer loans360 22 (26)5 361 
Total ALLL — continuing operations1,446 112 
(a)
(140)26 1,444 
Discontinued operations12 — (1)1 12 
Total ALLL — including discontinued operations$1,458 $112 $(141)$27 $1,456 
(a)Excludes a credit related to reserves on lending-related commitments of $5 million.


Three months ended September 30, 2024:
Dollars in millionsJune 30, 2024ProvisionCharge-offsRecoveriesSeptember 30, 2024
Commercial and Industrial $682 $101 $(131)$7 $659 
Commercial real estate:
Real estate — commercial mortgage383 (19)(7)1 358 
Real estate — construction66 (2)— — 64 
Total commercial real estate loans449 (21)(7)1 422 
Commercial lease financing29 — — — 29 
Total commercial loans1,160 80 (138)8 1,110 
Real estate — residential mortgage115 (5)— 1 111 
Home equity loans71 1 (1)1 72 
Other consumer loans128 15 (17)2 128 
Credit cards73 10 (11)1 73 
Total consumer loans387 21 (29)5 384 
Total ALLL — continuing operations1,547 101 
(a)
(167)13 1,494 
Discontinued operations14 — (1)— 13 
Total ALLL — including discontinued operations$1,561 $101 $(168)$13 $1,507 
(a)Excludes a credit related to reserves on lending-related commitments of $6 million.
Nine months ended September 30, 2025:
Dollars in millionsDecember 31, 2024ProvisionCharge-offsRecoveriesSeptember 30, 2025
Commercial and Industrial $639 $285 $(243)$50 $731 
Commercial real estate:
Real estate — commercial mortgage320 25 (69)1 277 
Real estate — construction51 (1)— — 50 
Total commercial real estate loans371 24 (69)1 327 
Commercial lease financing27 — (2)— 25 
Total commercial loans1,037 309 (314)51 1,083 
Real estate — residential mortgage90 (24)(1)3 68 
Home equity loans70 (3)(1)2 68 
Other consumer loans136 43 (42)6 143 
Credit cards76 36 (35)5 82 
Total consumer loans372 52 (79)16 361 
Total ALLL — continuing operations1,409 361 
(a)
(393)67 1,444 
Discontinued operations13 — (2)1 12 
Total ALLL — including discontinued operations$1,422 $361 $(395)$68 $1,456 
(a)Excludes a provision for losses on lending-related commitments of $2 million.

Nine months ended September 30, 2024:

Dollars in millionsDecember 31, 2023ProvisionCharge-offsRecoveriesSeptember 30, 2024
Commercial and Industrial $556 $336 $(279)$46 $659 
Commercial real estate:
Real estate — commercial mortgage419 (41)(22)2 358 
Real estate — construction52 12 — — 64 
Total commercial real estate loans471 (29)(22)2 422 
Commercial lease financing33 (3)(6)5 29 
Total commercial loans1,060 304 (307)53 1,110 
Real estate — residential mortgage162 (53)(2)4 111 
Home equity loans86 (14)(2)2 72 
Other consumer loans122 49 (49)6 128 
Credit cards78 26 (35)4 73 
Total consumer loans448 8 (88)16 384 
Total ALLL — continuing operations1,508 312 
(a)
(395)69 1,494 
Discontinued operations16 (1)(3)1 13 
Total ALLL — including discontinued operations$1,524 $311 $(398)$70 $1,507 
(a)Excludes a credit for losses on lending-related commitments of $16 million.
Schedule of Significant Macroeconomic Variables of Loan Portfolios The following table discloses key macroeconomic variables for each loan portfolio.
SegmentPortfolio
Key Macroeconomic Variables (a)
CommercialCommercial and industrialBBB corporate bond rate (spread), fixed investment, business bankruptcies, GDP, industrial production, unemployment rate, and Producer Price Index
Commercial real estateProperty & real estate price indices, unemployment rate, business bankruptcies, GDP, and SOFR
Commercial lease financingBBB corporate bond rate (spread), GDP, and unemployment rate
ConsumerReal estate — residential mortgageGDP, home price index, unemployment rate, 30 year mortgage rate and U.S. household income
Home equityHome price index, unemployment rate, and 30 year mortgage rate
Other consumerUnemployment rate, prime rate and U.S. household income
Credit cardsUnemployment rate and U.S. household income
Discontinued operationsUnemployment rate
(a)Variables include all transformations and interactions with other risk drivers. Additionally, variables may have varying impacts at different points in the economic cycle.
Schedule of Financing Receivable Credit Quality Indicators
Credit Risk Profile by Creditworthiness Category and Vintage (a)(b)
As of September 30, 2025Term LoansRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost Basis
Amortized Cost Basis by Origination Year and Internal Risk Rating
Dollars in millions20252024202320222021PriorTotal
Commercial and Industrial
Risk Rating:
Pass$6,584 $6,163 $2,577 $5,613 $3,015 $4,348 $24,582 $143 $53,025 
Criticized (Accruing)85 204 172 637 291 563 1,556 5 3,513 
Criticized (Nonaccruing)6 21 17 53 23 8 124 1 253 
Total commercial and industrial6,675 6,388 2,766 6,303 3,329 4,919 26,262 149 56,791 
Current year gross write-offs8 8 18 30 8 21 150 — 243 
Real estate — commercial mortgage
Risk Rating:
Pass2,015 930 619 2,191 1,651 3,235 1,183 28 11,852 
Criticized (Accruing)22 109 119 430 228 365 28 11 1,312 
Criticized (Nonaccruing)— — — 127 46 38 3 — 214 
Total real estate — commercial mortgage
2,037 1,039 738 2,748 1,925 3,638 1,214 39 13,378 
Current year gross write-offs19 6 — 6 26 9 3 — 69 
Real estate — construction
Risk Rating:
Pass193 476 835 467 219 73 262 2 2,527 
Criticized (Accruing)— — 5 115 42 128 — — 290 
Criticized (Nonaccruing)— — — — — — — — — 
Total real estate — construction193 476 840 582 261 201 262 2 2,817 
Current year gross write-offs— — — — — — — — — 
Commercial lease financing
Risk Rating:
Pass203 238 333 514 295 677 — — 2,260 
Criticized (Accruing)— 2 34 15 2 20 — — 73 
Criticized (Nonaccruing)— — — — — — — — — 
Total commercial lease financing203 240 367 529 297 697 — 2,333 
Current year gross write-offs— — — — — 2 — — 2 
Total commercial loans$9,108 $8,143 $4,711 $10,162 $5,812 $9,455 $27,738 $190 $75,319 
Total commercial loan current year gross write-offs$27 $14 $18 $36 $34 $32 $153 $— $314 

As of December 31, 2024Term LoansRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost Basis
Amortized Cost Basis by Origination Year and Internal Risk Rating
Dollars in millions20242023202220212020PriorTotal
Commercial and Industrial
Risk Rating:
Pass$6,345 $3,097 $7,119 $3,934 $1,617 $3,969 $22,709 $115 $48,905 
Criticized (Accruing)172 219 597 419 208 476 1,550 41 3,682 
Criticized (Nonaccruing)23 13 68 30 2 31 153 2 322 
Total commercial and industrial6,540 3,329 7,784 4,383 1,827 4,476 24,412 158 52,909 
Current year gross write-offs1 12 65 106 4 31 144 — 363 
Real estate — commercial mortgage
Risk Rating:
Pass1,052 748 2,818 2,202 594 3,194 1,001 41 11,650 
Criticized (Accruing)31 85 571 281 93 316 30 9 1,416 
Criticized (Nonaccruing)— — 123 52 3 66 — — 244 
Total real estate — commercial mortgage
1,083 833 3,512 2,535 690 3,576 1,031 50 13,310 
Current year gross write-offs— — 1 6 — 32 1 — 40 
Real estate — construction
Risk Rating:
Pass199 846 1,021 340 87 67 42 2 2,604 
Criticized (Accruing)— 17 112 58 68 77 — — 332 
Criticized (Nonaccruing)— — — — — — — — — 
Total real estate — construction199 863 1,133 398 155 144 42 2 2,936 
Current year gross write-offs— — — — — — — — — 
Commercial lease financing
Risk Rating:
Pass301 430 626 368 217 679 — — 2,621 
Criticized (Accruing)2 34 33 9 16 21 — — 115 
Criticized (Nonaccruing)— — — — — — — — — 
Total commercial lease financing303 464 659 377 233 700 — — 2,736 
Current year gross write-offs— — — — — 7 — — 7 
Total commercial loans$8,125 $5,489 $13,088 $7,693 $2,905 $8,896 $25,485 $210 $71,891 
Total commercial loan current year gross write-offs$1 $12 $66 $112 $4 $70 $145 $— $410 
(a)Accrued interest of $351 million and $322 million as of September 30, 2025, and December 31, 2024, respectively, presented in “Accrued income and other assets” on the Consolidated Balance Sheets, was excluded from the amortized cost basis disclosed in these tables.
(b)Gross write-off information is presented on a year-to-date basis for the nine months ended September 30, 2025 and the twelve months ended December 31, 2024.
Consumer Credit Exposure
Credit Risk Profile by FICO Score and Vintage (a)(b)
As of September 30, 2025Term LoansRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost Basis
Amortized Cost Basis by Origination Year and FICO Score
Dollars in millions20252024202320222021PriorTotal
Real estate — residential mortgage
FICO Score:
750 and above$256 $260 $638 $5,427 $6,846 $3,482 $— $— $16,909 
660 to 74944 38 84 531 603 448 — — 1,748 
Less than 6602 10 21 84 65 149 — — 331 
No Score2 3 2 1 — 10 2 — 20 
Total real estate — residential mortgage304 311 745 6,043 7,514 4,089 2 — 19,008 
Current period gross write-offs— — — — — 1 — — 1 
Home equity loans
FICO Score:
750 and above35 27 25 121 701 1,217 1,783 195 4,104 
660 to 74913 15 14 45 158 269 732 62 1,308 
Less than 6601 2 5 15 43 107 248 23 444 
No Score— — — — — 1 6 — 7 
Total home equity loans49 44 44 181 902 1,594 2,769 280 5,863 
Current period gross write-offs— — — — — — 1 — 1 
Other consumer loans
FICO Score:
750 and above137 80 112 1,024 1,076 635 83 — 3,147 
660 to 74986 54 82 234 228 188 175 — 1,047 
Less than 66010 12 23 57 55 50 53 — 260 
No Score17 12 6 12 13 8 257 — 325 
Total consumer direct loans250 158 223 1,327 1,372 881 568 — 4,779 
Current period gross write-offs3 4 6 6 6 6 11 — 42 
Credit cards
FICO Score:
750 and above— — — — — — 460 — 460 
660 to 749— — — — — — 366 — 366 
Less than 660— — — — — — 106 — 106 
No Score— — — — — — 1 — 1 
Total credit cards— — — — — — 933 — 933 
Current period gross write-offs— — — — — — 35 — 35 
Total consumer loans$603 $513 $1,012 $7,551 $9,788 $6,564 $4,272 $280 $30,583 
Total consumer loan current period gross write-offs$3 $4 $6 $6 $6 $7 $47 $— $79 
As of December 31, 2024Term LoansRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost Basis
Amortized Cost Basis by Origination Year and FICO Score
Dollars in millions20242023202220212020PriorTotal
Real estate — residential mortgage
FICO Score:
750 and above$281 $669 $5,720 $7,203 $2,247 $1,510 $— $— $17,630 
660 to 74967 116 597 655 199 280 — — 1,914 
Less than 6604 13 81 63 24 134 — — 319 
No Score3 2 1 — 1 15 1 — 23 
Total real estate — residential mortgage355 800 6,399 7,921 2,471 1,939 1 — 19,886 
Current period gross write-offs1 — 1 — — 1 — — 3 
Home equity loans
FICO Score:
750 and above33 31 139 775 612 731 1,886 251 4,458 
660 to 74917 17 50 181 129 186 772 80 1,432 
Less than 6602 5 15 40 31 82 263 25 463 
No Score— — — — — 1 4 — 5 
Total home equity loans52 53 204 996 772 1,000 2,925 356 6,358 
Current period gross write-offs— — — — — 1 1 — 2 
Other consumer loans
FICO Score:
750 and above107 143 1,149 1,210 527 245 88 — 3,469 
660 to 74970 109 275 268 128 108 184 — 1,142 
Less than 6609 23 59 59 29 24 56 — 259 
No Score35 12 18 17 7 12 196 — 297 
Total consumer direct loans221 287 1,501 1,554 691 389 524 — 5,167 
Current period gross write-offs— 7 17 12 7 6 15 — 64 
Credit cards
FICO Score:
750 and above— — — — — — 476 — 476 
660 to 749— — — — — — 372 — 372 
Less than 660— — — — — — 109 — 109 
No Score— — — — — — 1 — 1 
Total credit cards— — — — — — 958 — 958 
Current period gross write-offs— — — — — — 47 — 47 
Total consumer loans$628 $1,140 $8,104 $10,471 $3,934 $3,328 $4,408 $356 $32,369 
Total consumer current period gross write-offs$1 $7 $18 $12 $7 $8 $63 $— $116 
(a)Accrued interest of $121 million and $134 million as of September 30, 2025, and December 31, 2024, respectively, presented in “Accrued income and other assets” on the Consolidated Balance Sheets, was excluded from the amortized cost basis disclosed in this table.
(b)Gross write-off information is presented on a year-to-date basis for the nine months ended September 30, 2025 and the twelve months ended December 31, 2024.
Schedule of Past Due Loans Including Current Loans
The following aging analysis of past due and current loans as of September 30, 2025, and December 31, 2024, provides further information regarding Key’s credit exposure.

Aging Analysis of Loan Portfolio(a)
As of September 30, 2025
Current (b)(c)
30-59
Days Past
Due (b)
60-89
Days Past
Due (b)
90 and
Greater
Days Past
Due (b)
Non-performing
Loans
Total Past
Due and
Non-performing
Loans (b)
Total
Loans (d)
Dollars in millions
LOAN TYPE
Commercial and industrial$56,431 $45 $24 $38 $253 $360 $56,791 
Commercial real estate:
Commercial mortgage13,030 79 8 47 214 348 13,378 
Construction2,794 — 22 1 — 23 2,817 
Total commercial real estate loans15,824 79 30 48 214 371 16,195 
Commercial lease financing2,332 1 — — — 1 2,333 
Total commercial loans$74,587 $125 $54 $86 $467 $732 $75,319 
Real estate — residential mortgage$18,891 $13 $6 $— $98 $117 $19,008 
Home equity loans5,754 18 5 4 82 109 5,863 
Other consumer loans4,741 15 9 10 4 38 4,779 
Credit cards907 5 4 10 7 26 933 
Total consumer loans$30,293 $51 $24 $24 $191 $290 $30,583 
Total loans$104,880 $176 $78 $110 $658 $1,022 $105,902 
(a)Amounts in table represent amortized cost and exclude loans held for sale.
(b)Accrued interest of $472 million presented in “Accrued income and other assets” on the Consolidated Balance Sheets is excluded from the amortized cost basis disclosed in this table.
(c)Includes balances of $69 million in Commercial mortgage and $5 million in Real estate - residential mortgage associated with loans sold to GNMA that are 90 days or more past due where Key has the right but not the obligation to repurchase and whose payments are insured by the Federal Housing Administration or guaranteed by the United States Department of Veteran Affairs.
(d)Net of unearned income, net of deferred fees and costs, and unamortized discounts and premiums.

As of December 31, 2024
Current (b)(c)
30-59
Days Past
Due (b)
60-89
Days Past
Due (b)
90 and
Greater
Days Past
Due (b)
Non-performing
Loans
Total Past
Due and
Non-performing
Loans (b)
Total
Loans (d)
Dollars in millions
LOAN TYPE
Commercial and industrial$52,473 $48 $21 $45 $322 $436 $52,909 
Commercial real estate:
Commercial mortgage13,018 4 29 16 243 292 13,310 
Construction2,932 — — 4 — 4 2,936 
Total commercial real estate loans15,950 4 29 20 243 296 16,246 
Commercial lease financing2,728 1 6 1 — 8 2,736 
Total commercial loans$71,151 $53 $56 $66 $565 $740 $71,891 
Real estate — residential mortgage$19,766 $20 $8 $— $92 $120 $19,886 
Home equity loans6,232 26 8 3 89 126 6,358 
Other consumer loans5,129 15 9 9 5 38 5,167 
Credit cards928 6 5 12 7 30 958 
Total consumer loans$32,055 $67 $30 $24 $193 $314 $32,369 
Total loans$103,206 $120 $86 $90 $758 $1,054 $104,260 
(a)Amounts in table represent amortized cost and exclude loans held for sale.
(b)Accrued interest of $456 million presented in “Accrued income and other assets” on the Consolidated Balance Sheets is excluded from the amortized cost basis disclosed in this table.
(c)Includes balances of $75 million in Commercial mortgage and $7 million in Real estate - residential mortgage associated with loans sold to GNMA that are 90 days or more past due where Key has the right but not the obligation to repurchase and whose payments are insured by the Federal Housing Administration or guaranteed by the United States Department of Veteran Affairs.
(d)Net of unearned income, net of deferred fees and costs, and unamortized discounts and premiums.
Schedule of Modified Financing Receivables
The following tables show the amortized cost basis at the end of the noted reporting periods of the loans modified to borrowers experiencing financial difficulty within the past 12 months of the noted periods. The tables do not include those modifications that only resulted in an insignificant payment delay. The tables do not include consumer loans that are still within a trial modification period. Trial modifications may be done for consumer borrowers where a trial payment plan period is offered in advance of a permanent loan modification. As of September 30, 2025, there were 103 loans totaling $16 million in a trial modification period. As of September 30, 2024, there were 110 loans totaling $19 million in a trial modification period.

Commitments outstanding to lend additional funds to borrowers experiencing financial difficulty whose loans were modified were $100 million and $29 million at September 30, 2025 and September 30, 2024, respectively.
As of September 30, 2025Interest Rate ReductionTerm ExtensionOther
Combination (a)
Total
Dollars in millionsAmortized Cost BasisAmortized Cost BasisAmortized Cost BasisAmortized Cost BasisAmortized Cost Basis% of Total Loan Type
LOAN TYPE
Commercial and Industrial$2 $76 $22 $16 $116 0.20 %
Commercial real estate:
Commercial mortgage— 194 2 52 248 1.85 
Construction— 34 — — 34 1.21 
Total commercial real estate loans— 228 2 52 282 1.74 
Total commercial loans$2 $304 $24 $68 $398 0.53 %
Real estate — residential mortgage$2 $1 $— $10 $13 0.07 %
Home equity loans4 1 1 5 11 0.19 
Other consumer loans— 3 — 3 6 0.13 
Credit cards— — — 3 3 0.32 
Total consumer loans$6 $5 $1 $21 $33 0.11 %
Total loans$8 $309 $25 $89 $431 0.41 %

As of September 30, 2024Interest Rate ReductionTerm ExtensionOther
Combination (a)
Total
Dollars in millionsAmortized Cost BasisAmortized Cost BasisAmortized Cost BasisAmortized Cost BasisAmortized Cost Basis% of Total Loan Type
LOAN TYPE
Commercial and Industrial$— $126 $11 $16 $153 0.29 %
Commercial real estate:
Commercial mortgage28 189 3 — 220 1.61 
Construction— 27 — — 27 0.87 
Total commercial real estate loans28 216 3 — 247 1.48 
Total commercial loans$28 $342 $14 $16 $400 0.55 %
Real estate — residential mortgage$1 $— $— $11 $12 0.06 %
Home equity loans3 1 1 6 11 0.17 
Other consumer loans— 1 — 2 3 0.06 
Credit cards— — — 4 4 0.44 
Total consumer loans$4 $2 $1 $23 $30 0.09 %
Total loans$32 $344 $15 $39 $430 0.41 %
(a)Combination modifications consist primarily of loans modified with both an interest rate reduction and a term extension.
The following table summarizes the financial impacts of loan modifications made to specific loans for the noted periods. For the three and nine months ended September 30, 2025, the weighted-average interest rate change for commercial and industrial loans was comprised solely of modifications of commercial credit card balances.

Three months ended September 30, 2025Weighted-average Interest Rate ChangeWeighted-average Term Extension (in years)
LOAN TYPE
Commercial and Industrial(0.43)%0.41
Commercial mortgage— %0.45
Construction— %0.35
Real estate — residential mortgage(1.63)%7.00
Home equity loans(2.85)%7.69
Other consumer loans(3.59)%1.52
Credit cards(1.16)%0.25
Nine months ended September 30, 2025Weighted-average Interest Rate ChangeWeighted-average Term Extension (in years)
LOAN TYPE
Commercial and Industrial(0.43)%0.83
Commercial mortgage— %1.09
Construction— %0.02
Real estate — residential mortgage(1.80)%5.87
Home equity loans(2.82)%5.95
Other consumer loans(3.77)%1.04
Credit cards(8.46)%0.75

Three months ended September 30, 2024Weighted-average Interest Rate ChangeWeighted-average Term Extension (in years)
LOAN TYPE
Commercial and Industrial(17.00)%0.42
Commercial mortgage— %0.43
Construction— %0.00
Real estate — residential mortgage(1.85)%2.47
Home equity loans(4.68)%5.60
Other consumer loans(4.18)%0.40
Credit cards(12.13)%0.25

Nine months ended September 30, 2024Weighted-average Interest Rate ChangeWeighted-average Term Extension (in years)
LOAN TYPE
Commercial and Industrial(6.29)%1.14
Commercial mortgage(1.91)%0.20
Construction— %3.20
Real estate — residential mortgage(1.73)%5.77
Home equity loans(3.75)%6.44
Other consumer loans(3.90)%0.62
Credit cards(15.21)%0.75
Three months ended September 30, 2025
Dollars in millionsInterest Rate ReductionTerm ExtensionOtherCombinationTotal
LOAN TYPE
Credit cards$— $— $— $1 $1 
Total consumer loans$— $— $— $1 $1 
Total loans$— $— $— $1 $1 

Nine months ended September 30, 2025
Dollars in millionsInterest Rate ReductionTerm ExtensionOtherCombinationTotal
LOAN TYPE
Commercial and Industrial$— $2 $7 $— $9 
Commercial real estate
Commercial mortgage— 19 — — 19 
Total commercial real estate loans— 19 — — 19 
Total commercial loans$— $21 $7 $— $28 
Real estate — residential mortgage$— $— $— $1 $1 
Credit cards— — — 2 2 
Total consumer loans$— $— $— $3 $3 
Total loans$— $21 $7 $3 $31 
Three months ended September 30, 2024
Dollars in millionsInterest Rate ReductionTerm ExtensionOtherCombinationTotal
LOAN TYPE
Commercial and Industrial$— $1 $— $— $1 
Commercial real estate
Commercial mortgage$28 $— $— $1 $29 
Total commercial loans28 1 — 1 30 
Total loans$28 $1 $— $1 $30 

Nine months ended September 30, 2024
Dollars in millionsInterest Rate ReductionTerm ExtensionOtherCombinationTotal
LOAN TYPE
Commercial and Industrial$— $17 $— $1 $18 
Commercial real estate
Commercial mortgage28 — — 1 29 
Total commercial real estate loans28 — — 1 29 
Total commercial loans$28 $17 $— $2 $47 
Home equity loans$— $— $— $1 $1 
Total consumer loans$— $— $— $1 $1 
Total loans$28 $17 $— $3 $48 
The following table presents the amortized cost as of September 30, 2025, of loans modified during the 12 months then ended, by aging.
As of September 30, 2025Current30-89 Days 
Past Due		90 and Greater
Days Past Due		Total
Dollars in millions
LOAN TYPE
Commercial and Industrial$102 $4 $10 $116 
Commercial real estate
Commercial mortgage244 2 2 248 
Construction34 — — 34 
Total commercial real estate loans278 2 2 282 
Commercial lease financing— — — — 
Total commercial loans$380 $6 $12 $398 
Real estate — residential mortgage$12 $1 $— $13 
Home equity loans9 1 1 11 
Other consumer loans6 — — 6 
Credit cards3 — — 3 
Total consumer loans$30 $2 $1 $33 
Total loans$410 $8 $13 $431 
The following table presents the amortized cost as of September 30, 2024, of loans modified during the 12 months then ended, by aging.

As of September 30, 2024Current30-89 Days 
Past Due		90 and Greater
Days Past Due		Total
Dollars in millions
LOAN TYPE
Commercial and Industrial$132 $18 $3 $153 
Commercial real estate
Commercial mortgage189 — 31 220 
Construction27 — — 27 
Total commercial real estate loans348 18 34 400 
Commercial lease financing— — — — 
Total commercial loans$348 $18 $34 $400 
Real estate — residential mortgage$9 $3 $— $12 
Home equity loans9 1 1 11 
Other consumer loans3 — — 3 
Credit cards4 — — 4 
Total consumer loans$25 $4 $1 $30 
Total loans$373 $22 $35 $430 
Schedule of Changes in Liability for Credit Losses on Off-Balance Sheet Exposures
Changes in the liability for credit losses on lending-related commitments are summarized as follows:
 Three months ended September 30,Nine months ended September 30,
Dollars in millions2025202420252024
Balance at beginning of period$297 $286 $290 $296 
Provision (credit) for losses on lending-related commitments(5)(6)2 (16)
Balance at end of period$292 $280 $292 $280