Quarterly report [Sections 13 or 15(d)]

LOANS AND LEASES - Modifications (Details)

v3.25.2
LOANS AND LEASES - Modifications (Details) - USD ($)
$ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Financing Receivable, Modified [Line Items]        
Total $ 294 $ 415 $ 575 $ 528
% of total loan class 0.22% 0.33% 0.43% 0.42%
Amortized cost basis $ 871 $ 753 $ 871 $ 753
30-59 Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 15 28 15 28
60-89  Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 8 9 8 9
90 or  more days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 46 21 46 21
Total        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 69 58 69 58
Current        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 802 695 802 695
Commercial | Commercial and industrial        
Financing Receivable, Modified [Line Items]        
Total $ 203 $ 191 $ 385 $ 270
% of total loan class 0.33% 0.37% 0.63% 0.52%
Amortized cost basis $ 542 $ 420 $ 542 $ 420
Commercial | Commercial and industrial | 30-59 Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 2 16 2 16
Commercial | Commercial and industrial | 60-89  Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 1 1 1 1
Commercial | Commercial and industrial | 90 or  more days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 5 7 5 7
Commercial | Commercial and industrial | Total        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 8 24 8 24
Commercial | Commercial and industrial | Current        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 534 396 534 396
Commercial | Commercial real estate        
Financing Receivable, Modified [Line Items]        
Total $ 69 $ 198 $ 140 $ 212
% of total loan class 0.64% 1.66% 1.31% 1.78%
Amortized cost basis $ 234 $ 248 $ 234 $ 248
Commercial | Commercial real estate | 30-59 Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Commercial | Commercial real estate | 60-89  Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Commercial | Commercial real estate | 90 or  more days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 23 4 23 4
Commercial | Commercial real estate | Total        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 23 4 23 4
Commercial | Commercial real estate | Current        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 211 244 211 244
Consumer | Residential mortgage        
Financing Receivable, Modified [Line Items]        
Total $ 17 $ 17 $ 38 $ 28
% of total loan class 0.07% 0.07% 0.15% 0.12%
Amortized cost basis $ 69 $ 52 $ 69 $ 52
Consumer | Residential mortgage | 30-59 Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 11 9 11 9
Consumer | Residential mortgage | 60-89  Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 6 6 6 6
Consumer | Residential mortgage | 90 or  more days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 17 8 17 8
Consumer | Residential mortgage | Total        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 34 23 34 23
Consumer | Residential mortgage | Current        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 35 29 35 29
Consumer | Automobile        
Financing Receivable, Modified [Line Items]        
Total $ 1 $ 4 $ 3 $ 8
% of total loan class 0.01% 0.03% 0.02% 0.06%
Amortized cost basis $ 8 $ 15 $ 8 $ 15
Consumer | Automobile | 30-59 Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 1 2 1 2
Consumer | Automobile | 60-89  Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 1 0 1
Consumer | Automobile | 90 or  more days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Consumer | Automobile | Total        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 1 3 1 3
Consumer | Automobile | Current        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 7 12 7 12
Consumer | Home equity        
Financing Receivable, Modified [Line Items]        
Total $ 4 $ 4 $ 8 $ 9
% of total loan class 0.04% 0.04% 0.08% 0.09%
Amortized cost basis $ 15 $ 15 $ 15 $ 15
Consumer | Home equity | 30-59 Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 1 1 1 1
Consumer | Home equity | 60-89  Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 1 1 1 1
Consumer | Home equity | 90 or  more days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 1 2 1 2
Consumer | Home equity | Total        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 3 4 3 4
Consumer | Home equity | Current        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 12 11 12 11
Consumer | RV and marine        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 1 1 1 1
Consumer | RV and marine | 30-59 Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Consumer | RV and marine | 60-89  Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Consumer | RV and marine | 90 or  more days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Consumer | RV and marine | Total        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Consumer | RV and marine | Current        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 1 1 1 1
Consumer | Other consumer        
Financing Receivable, Modified [Line Items]        
Total   $ 1 $ 1 $ 1
% of total loan class   0.06% 0.05% 0.06%
Amortized cost basis 2 $ 2 $ 2 $ 2
Consumer | Other consumer | 30-59 Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Consumer | Other consumer | 60-89  Days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Consumer | Other consumer | 90 or  more days        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Consumer | Other consumer | Total        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 0 0 0 0
Consumer | Other consumer | Current        
Financing Receivable, Modified [Line Items]        
Amortized cost basis 2 2 2 2
Interest rate reduction        
Financing Receivable, Modified [Line Items]        
Total 44 35 92 85
Interest rate reduction | Commercial | Commercial and industrial        
Financing Receivable, Modified [Line Items]        
Total $ 44 $ 34 $ 91 $ 84
Interest rate reduction | Commercial | Commercial and industrial | Minimum        
Financing Receivable, Modified [Line Items]        
Weighted-average contractual interest rate 8.80% 8.46% 8.32% 8.40%
Interest rate reduction | Commercial | Commercial and industrial | Maximum        
Financing Receivable, Modified [Line Items]        
Weighted-average contractual interest rate 6.38% 8.21% 7.00% 7.57%
Interest rate reduction | Commercial | Commercial real estate        
Financing Receivable, Modified [Line Items]        
Total $ 0 $ 0 $ 0 $ 0
Interest rate reduction | Consumer | Commercial real estate | Minimum        
Financing Receivable, Modified [Line Items]        
Weighted-average contractual interest rate 7.98% 7.98%
Interest rate reduction | Consumer | Commercial real estate | Maximum        
Financing Receivable, Modified [Line Items]        
Weighted-average contractual interest rate 7.85% 7.85%
Interest rate reduction | Consumer | Residential mortgage        
Financing Receivable, Modified [Line Items]        
Total $ 0 $ 0 $ 0 $ 0
Interest rate reduction | Consumer | Residential mortgage | Minimum        
Financing Receivable, Modified [Line Items]        
Weighted-average contractual interest rate      
Interest rate reduction | Consumer | Residential mortgage | Maximum        
Financing Receivable, Modified [Line Items]        
Weighted-average contractual interest rate      
Interest rate reduction | Consumer | Automobile        
Financing Receivable, Modified [Line Items]        
Total 0 0 $ 0 0
Interest rate reduction | Consumer | Home equity        
Financing Receivable, Modified [Line Items]        
Total 0 0 0 0
Interest rate reduction | Consumer | Other consumer        
Financing Receivable, Modified [Line Items]        
Total   1 1 1
Term extension        
Financing Receivable, Modified [Line Items]        
Total 242 321 460 375
Term extension | Commercial | Commercial and industrial        
Financing Receivable, Modified [Line Items]        
Total $ 158 $ 116 $ 289 $ 144
Weighted-average years added to the life 7 months 6 days 8 months 12 days 10 months 24 days 9 months 18 days
Term extension | Commercial | Commercial real estate        
Financing Receivable, Modified [Line Items]        
Total $ 69 $ 184 $ 140 $ 198
Weighted-average years added to the life 9 months 18 days 4 months 24 days 1 year 4 months 24 days
Term extension | Consumer | Residential mortgage        
Financing Receivable, Modified [Line Items]        
Total $ 12 $ 15 $ 24 $ 23
Weighted-average years added to the life 7 years 1 month 6 days 7 years 4 months 24 days 6 years 6 months 7 years 7 months 6 days
Term extension | Consumer | Automobile        
Financing Receivable, Modified [Line Items]        
Total $ 1 $ 4 $ 3 $ 7
Term extension | Consumer | Home equity        
Financing Receivable, Modified [Line Items]        
Total 2 2 4 3
Term extension | Consumer | Other consumer        
Financing Receivable, Modified [Line Items]        
Total   0 0 0
Payment deferral        
Financing Receivable, Modified [Line Items]        
Total 3 1 11 4
Payment deferral | Commercial | Commercial and industrial        
Financing Receivable, Modified [Line Items]        
Total 0 0 0 0
Payment deferral | Commercial | Commercial real estate        
Financing Receivable, Modified [Line Items]        
Total 0 0 0 0
Payment deferral | Consumer | Residential mortgage        
Financing Receivable, Modified [Line Items]        
Total 3 1 11 4
Payment deferral | Consumer | Automobile        
Financing Receivable, Modified [Line Items]        
Total 0 0 0 0
Payment deferral | Consumer | Home equity        
Financing Receivable, Modified [Line Items]        
Total 0 0 0 0
Payment deferral | Consumer | Other consumer        
Financing Receivable, Modified [Line Items]        
Total   0 0 0
Combo - interest rate reduction and term extension        
Financing Receivable, Modified [Line Items]        
Total 5 58 12 64
Combo - interest rate reduction and term extension | Commercial | Commercial and industrial        
Financing Receivable, Modified [Line Items]        
Total 1 41 5 42
Combo - interest rate reduction and term extension | Commercial | Commercial real estate        
Financing Receivable, Modified [Line Items]        
Total 0 14 0 14
Combo - interest rate reduction and term extension | Consumer | Residential mortgage        
Financing Receivable, Modified [Line Items]        
Total 2 1 3 1
Combo - interest rate reduction and term extension | Consumer | Automobile        
Financing Receivable, Modified [Line Items]        
Total 0 0 0 1
Combo - interest rate reduction and term extension | Consumer | Home equity        
Financing Receivable, Modified [Line Items]        
Total $ 2 2 4 6
Combo - interest rate reduction and term extension | Consumer | Other consumer        
Financing Receivable, Modified [Line Items]        
Total   $ 0 $ 0 $ 0