ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

3 Months Ended

Mar. 31, 2026

The ALLL activity for loans and leases is summarized in the following table:

Allowance for Loan and Lease Losses


dollars in millions	Three Months Ended March 31, 2026				Three Months Ended March 31, 2025
	Commercial		Consumer		Total		Commercial		Consumer		Total
Balance at beginning of period	$	1,436	$	130	$	1,566	$	1,518	$	158	$	1,676


Provision for loan and lease losses	97		6		103		138		10		148

Charge-offs	(123)		(9)		(132)		(159)		(8)		(167)
Recoveries	18		3		21		20		3		23

Balance at end of period	$	1,428	$	130	$	1,558	$	1,517	$	163	$	1,680

The following table presents the components of the provision for credit losses:

Provision for Credit Losses


dollars in millions	Three Months Ended March 31,
	2026		2025

Provision for loan and lease losses	$	103	$	148


(Benefit) provision for off-balance sheet credit exposure	(32)		6

Provision for other receivables	1		—
Provision for credit losses	$	72	$	154