v3.25.2
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES - Schedule of Changes in Allowance for Credit Losses (Details) - USD ($)
$ in Millions
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period     $ 423.0    
Charge- Offs     (42.3)   $ (81.8)
Provision for Credit Losses $ 26.0 $ 20.0 43.1 $ 34.1  
Balance at End of Period 432.0   432.0   423.0
Unfunded loan commitment          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 20.3 21.9 21.4 21.5 21.5
Charge- Offs 0.0 0.0 0.0 0.0  
Recoveries 0.0 0.0 0.0 0.0  
Net (Charge- Offs) Recoveries 0.0 0.0 0.0 0.0  
Provision for Credit Losses 0.7 (0.1) (0.4) 0.3  
Balance at End of Period 21.0 21.8 21.0 21.8 21.4
Total commercial loans and leases          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 289.2 275.3 279.7 279.3 279.3
Charge- Offs (22.3) (8.9) (35.4) (21.0)  
Recoveries 2.9 3.2 6.1 4.7  
Net (Charge- Offs) Recoveries (19.4) (5.7) (29.3) (16.3)  
Provision for Credit Losses 24.2 8.5 43.6 15.1  
Balance at End of Period 294.0 278.1 294.0 278.1 279.7
Total commercial loans and leases | Commercial real estate          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 173.4 161.9 166.9 166.6 166.6
Charge- Offs (3.0) (3.2) (10.6) (10.3) (38.6)
Recoveries 0.2 0.8 0.6 1.2  
Net (Charge- Offs) Recoveries (2.8) (2.4) (10.0) (9.1)  
Provision for Credit Losses 8.9 (1.8) 22.6 0.2  
Balance at End of Period 179.5 157.7 179.5 157.7 166.9
Total commercial loans and leases | Commercial and industrial          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 88.6 86.9 85.6 87.8 87.8
Charge- Offs (18.1) (4.7) (22.4) (8.6) (20.9)
Recoveries 2.5 1.7 5.0 2.5  
Net (Charge- Offs) Recoveries (15.6) (3.0) (17.4) (6.1)  
Provision for Credit Losses 15.3 9.6 20.1 11.8  
Balance at End of Period 88.3 93.5 88.3 93.5 85.6
Total commercial loans and leases | Commercial leases          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 22.8 22.4 22.9 21.2 21.2
Charge- Offs (0.1) 0.0 (0.2) (0.2) (0.3)
Recoveries 0.0 0.1 0.0 0.1  
Net (Charge- Offs) Recoveries (0.1) 0.1 (0.2) (0.1)  
Provision for Credit Losses (1.1) 0.4 (1.1) 1.8  
Balance at End of Period 21.6 22.9 21.6 22.9 22.9
Total commercial loans and leases | Other          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 4.4 4.1 4.3 3.7 3.7
Charge- Offs (1.1) (1.0) (2.2) (1.9) (4.2)
Recoveries 0.2 0.6 0.5 0.9  
Net (Charge- Offs) Recoveries (0.9) (0.4) (1.7) (1.0)  
Provision for Credit Losses 1.1 0.3 2.0 1.3  
Balance at End of Period 4.6 4.0 4.6 4.0 4.3
Total commercial loans and leases | Unfunded loan commitment          
Allowance for Loan and Lease Losses [Roll Forward]          
Provision for Credit Losses 0.8 (0.1) (0.3) 0.4  
Total consumer loans          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 139.7 131.0 143.1 126.3 126.3
Charge- Offs (3.6) (3.4) (6.9) (6.8)  
Recoveries 1.2 1.3 1.9 2.5  
Net (Charge- Offs) Recoveries (2.4) (2.1) (5.0) (4.3)  
Provision for Credit Losses 0.8 11.8 0.0 18.7  
Balance at End of Period 138.1 140.7 138.1 140.7 143.1
Total consumer loans | Direct installment          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 28.1 30.6 29.1 33.8 33.8
Charge- Offs (0.2) (0.4) (0.6) (0.6) (1.8)
Recoveries 0.2 0.2 0.3 0.4  
Net (Charge- Offs) Recoveries 0.0 (0.2) (0.3) (0.2)  
Provision for Credit Losses (1.5) 0.5 (2.2) (2.7)  
Balance at End of Period 26.6 30.9 26.6 30.9 29.1
Total consumer loans | Residential mortgages          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 94.1 79.3 95.9 70.5 70.5
Charge- Offs (1.4) (0.2) (1.8) (0.2) (2.6)
Recoveries 0.1 0.1 0.2 0.1  
Net (Charge- Offs) Recoveries (1.3) (0.1) (1.6) (0.1)  
Provision for Credit Losses 2.6 9.0 1.1 17.8  
Balance at End of Period 95.4 88.2 95.4 88.2 95.9
Total consumer loans | Indirect installment          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 9.2 12.5 9.5 12.8 12.8
Charge- Offs (1.7) (2.5) (3.9) (5.4) (11.8)
Recoveries 0.8 0.9 1.2 1.5  
Net (Charge- Offs) Recoveries (0.9) (1.6) (2.7) (3.9)  
Provision for Credit Losses 1.0 2.2 2.5 4.2  
Balance at End of Period 9.3 13.1 9.3 13.1 9.5
Total consumer loans | Consumer lines of credit          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 8.3 8.6 8.6 9.2 9.2
Charge- Offs (0.3) (0.3) (0.6) (0.6) (1.6)
Recoveries 0.1 0.1 0.2 0.5  
Net (Charge- Offs) Recoveries (0.2) (0.2) (0.4) (0.1)  
Provision for Credit Losses (1.3) 0.1 (1.4) (0.6)  
Balance at End of Period 6.8 8.5 6.8 8.5 8.6
Total consumer loans | Unfunded loan commitment          
Allowance for Loan and Lease Losses [Roll Forward]          
Provision for Credit Losses (0.1) 0.0 (0.1) (0.1)  
Allowance for credit losses on loans and leases          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 428.9 406.3 422.8 405.6 405.6
Charge- Offs (25.9) (12.3) (42.3) (27.8)  
Recoveries 4.1 4.5 8.0 7.2  
Net (Charge- Offs) Recoveries (21.8) (7.8) (34.3) (20.6)  
Provision for Credit Losses 25.0 20.3 43.6 33.8  
Balance at End of Period 432.1 418.8 432.1 418.8 422.8
Allowance for credit losses on loans and leases and allowance for unfunded loan commitments          
Allowance for Loan and Lease Losses [Roll Forward]          
Balance at Beginning of Period 449.2 428.2 444.2 427.1 427.1
Charge- Offs (25.9) (12.3) (42.3) (27.8)  
Recoveries 4.1 4.5 8.0 7.2  
Net (Charge- Offs) Recoveries (21.8) (7.8) (34.3) (20.6)  
Provision for Credit Losses 25.7 20.2 43.2 34.1  
Balance at End of Period $ 453.1 $ 440.6 $ 453.1 $ 440.6 $ 444.2