Annual report pursuant to Section 13 and 15(d)

ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details)

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ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
ALLL balance, beginning of period $ 2,255 $ 2,121 $ 2,030
Loan and lease charge-offs (531) (454) (313)
Recoveries of loans and leases previously charged-off 159 181 192
Provision for loan and lease losses 361 407 212
ALLL balance, end of period 2,244 2,255 2,121
AULC balance, beginning of period 145 150 77
Provision (benefit) for unfunded lending commitments 57 (5) 73
AULC balance, end of period 202 145 150
ACL balance, end of period 2,446 2,400 2,271
Increase (decrease) in allowance for credit loss 46    
Commercial      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
ALLL balance, beginning of period 1,563 1,424 1,462
Loan and lease charge-offs (311) (270) (129)
Recoveries of loans and leases previously charged-off 94 112 114
Provision for loan and lease losses 138 297 (23)
ALLL balance, end of period 1,484 1,563 1,424
AULC balance, beginning of period 66 71 41
Provision (benefit) for unfunded lending commitments 78 (5) 30
AULC balance, end of period 144 66 71
ACL balance, end of period 1,628 1,629 1,495
Increase (decrease) in allowance for credit loss (1)    
Loan growth 6,200    
Consumer      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
ALLL balance, beginning of period 692 697 568
Loan and lease charge-offs (220) (184) (184)
Recoveries of loans and leases previously charged-off 65 69 78
Provision for loan and lease losses 223 110 235
ALLL balance, end of period 760 692 697
AULC balance, beginning of period 79 79 36
Provision (benefit) for unfunded lending commitments (21) 0 43
AULC balance, end of period 58 79 79
ACL balance, end of period 818 $ 771 $ 776
Increase (decrease) in allowance for credit loss 47    
Increase (decrease) in loans and leases 3,000    
Commercial real estate      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Increase (decrease) in loans and leases $ (1,300)