v3.26.1
CREDIT QUALITY AND THE ALLOWANCE FOR CREDIT LOSSES - Modified (Details) - USD ($)
$ in Millions
 3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis $ 674 $ 587 $ 851 $ 921 $ 1,570 $ 1,346
Total as a % of Loan Class 0.46% 0.42% 0.58% 0.66%    
Current            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         1,180 851
30-59            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         9 6
60-89            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         30 10
90+            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         38 20
Nonaccrual            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         313 459
Commercial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis $ 578 $ 548 $ 724 $ 852 1,351 1,203
Total as a % of Loan Class 0.75% 0.76% 0.94% 1.19%    
Commercial | Current            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         1,077 773
Commercial | 30-59            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         1 0
Commercial | 60-89            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         24 2
Commercial | 90+            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 6
Commercial | Nonaccrual            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         249 422
Commercial | Commercial and industrial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis $ 119 $ 144 $ 201 $ 240 377 371
Total as a % of Loan Class 0.22% 0.32% 0.38% 0.53%    
Weighted-Average Interest Rate Reduction 2.84% 2.71% 2.69% 1.56%    
Weighted-Average Term Extension (in Months) 15 months 19 months 18 months 17 months    
Weighted-Average Payment Deferral $ 0 $ 0 $ 2 $ 0    
Commercial | Commercial and industrial | Current            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         318 278
Commercial | Commercial and industrial | 30-59            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         1 0
Commercial | Commercial and industrial | 60-89            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         1 2
Commercial | Commercial and industrial | 90+            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 0
Commercial | Commercial and industrial | Nonaccrual            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         57 91
Commercial | Commercial real estate            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis $ 459 $ 404 $ 523 $ 612 974 832
Total as a % of Loan Class 1.93% 1.54% 2.20% 2.33%    
Weighted-Average Interest Rate Reduction 0.84% 0.90% 0.84% 0.83%    
Weighted-Average Term Extension (in Months) 8 months 8 months 10 months 9 months    
Weighted-Average Payment Deferral $ 2 $ 1 $ 2 $ 2    
Commercial | Commercial real estate | Current            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         759 495
Commercial | Commercial real estate | 30-59            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 0
Commercial | Commercial real estate | 60-89            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         23 0
Commercial | Commercial real estate | 90+            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 6
Commercial | Commercial real estate | Nonaccrual            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         192 331
Retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis $ 96 $ 39 $ 127 $ 69 219 143
Total as a % of Loan Class 0.14% 0.06% 0.18% 0.10%    
Retail | Current            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         103 78
Retail | 30-59            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         8 6
Retail | 60-89            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         6 8
Retail | 90+            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         38 14
Retail | Nonaccrual            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         64 37
Retail | Residential mortgages            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis $ 75 $ 23 $ 93 $ 45 151 92
Total as a % of Loan Class 0.21% 0.07% 0.26% 0.13%    
Weighted-Average Interest Rate Reduction 0.60% 1.09% 0.65% 1.02%    
Weighted-Average Term Extension (in Months) 113 months 100 months 113 months 107 months    
Weighted-Average Payment Deferral $ 0 $ 0 $ 0 $ 0    
Retail | Residential mortgages | Current            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         68 46
Retail | Residential mortgages | 30-59            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         7 4
Retail | Residential mortgages | 60-89            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         5 7
Retail | Residential mortgages | 90+            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         38 14
Retail | Residential mortgages | Nonaccrual            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         33 21
Retail | Home equity            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis $ 12 $ 8 $ 18 $ 10 38 25
Total as a % of Loan Class 0.06% 0.05% 0.09% 0.06%    
Weighted-Average Interest Rate Reduction 3.40% 3.40% 3.16% 3.81%    
Weighted-Average Term Extension (in Months) 183 months 122 months 186 months 98 months    
Weighted-Average Payment Deferral $ 0 $ 0 $ 0 $ 0    
Retail | Home equity | Current            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         11 11
Retail | Home equity | 30-59            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 0
Retail | Home equity | 60-89            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 0
Retail | Home equity | 90+            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 0
Retail | Home equity | Nonaccrual            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         27 14
Retail | Education            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis $ 3 $ 3 $ 5 $ 5 11 9
Total as a % of Loan Class 0.04% 0.04% 0.06% 0.06%    
Weighted-Average Interest Rate Reduction 4.94% 3.97% 4.70% 4.38%    
Weighted-Average Payment Deferral $ 0 $ 0 $ 0 $ 0    
Retail | Education | Current            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         9 8
Retail | Education | 30-59            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 0
Retail | Education | 60-89            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 0
Retail | Education | 90+            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 0
Retail | Education | Nonaccrual            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         2 1
Retail | Other retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis $ 6 $ 5 $ 11 $ 9 19 17
Total as a % of Loan Class 0.15% 0.12% 0.27% 0.22%    
Weighted-Average Interest Rate Reduction 18.78% 19.73% 19.04% 19.92%    
Weighted-Average Payment Deferral $ 0 $ 0 $ 0 $ 0    
Retail | Other retail | Current            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         15 13
Retail | Other retail | 30-59            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         1 2
Retail | Other retail | 60-89            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         1 1
Retail | Other retail | 90+            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         0 0
Retail | Other retail | Nonaccrual            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis         $ 2 $ 1
Interest Rate Reduction            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 11 11 20 58    
Interest Rate Reduction | Commercial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 1 0 3 40    
Interest Rate Reduction | Commercial | Commercial and industrial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 1 0 3 12    
Interest Rate Reduction | Commercial | Commercial real estate            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 28    
Interest Rate Reduction | Retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 10 11 17 18    
Interest Rate Reduction | Retail | Residential mortgages            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 1 0 2    
Interest Rate Reduction | Retail | Home equity            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 1 2 1 2    
Interest Rate Reduction | Retail | Education            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 3 3 5 5    
Interest Rate Reduction | Retail | Other retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 6 5 11 9    
Term Extension            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 480 432 595 654    
Term Extension | Commercial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 472 419 575 627    
Term Extension | Commercial | Commercial and industrial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 115 136 176 218    
Term Extension | Commercial | Commercial real estate            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 357 283 399 409    
Term Extension | Retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 8 13 20 27    
Term Extension | Retail | Residential mortgages            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 8 13 19 27    
Term Extension | Retail | Home equity            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 1 0    
Term Extension | Retail | Education            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 0    
Term Extension | Retail | Other retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 0    
Payment Delay            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 67 58 72 96    
Payment Delay | Commercial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 20 49 20 83    
Payment Delay | Commercial | Commercial and industrial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 2    
Payment Delay | Commercial | Commercial real estate            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 20 49 20 81    
Payment Delay | Retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 47 9 52 13    
Payment Delay | Retail | Residential mortgages            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 41 5 44 8    
Payment Delay | Retail | Home equity            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 6 4 8 5    
Payment Delay | Retail | Education            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 0    
Payment Delay | Retail | Other retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 0    
Interest Rate Reduction and Term Extension            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 3 35 10 40    
Interest Rate Reduction and Term Extension | Commercial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 1 32 1 32    
Interest Rate Reduction and Term Extension | Commercial | Commercial and industrial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 1 3 1 3    
Interest Rate Reduction and Term Extension | Commercial | Commercial real estate            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 29 0 29    
Interest Rate Reduction and Term Extension | Retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 2 3 9 8    
Interest Rate Reduction and Term Extension | Retail | Residential mortgages            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 2 1 5 5    
Interest Rate Reduction and Term Extension | Retail | Home equity            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 2 4 3    
Interest Rate Reduction and Term Extension | Retail | Education            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 0    
Interest Rate Reduction and Term Extension | Retail | Other retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 0    
Interest Rate Reduction and Payment Delay            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 4   5      
Interest Rate Reduction and Payment Delay | Commercial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 1   1      
Interest Rate Reduction and Payment Delay | Commercial | Commercial and industrial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 1   1      
Interest Rate Reduction and Payment Delay | Commercial | Commercial real estate            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0   0      
Interest Rate Reduction and Payment Delay | Retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 3   4      
Interest Rate Reduction and Payment Delay | Retail | Residential mortgages            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0   1      
Interest Rate Reduction and Payment Delay | Retail | Home equity            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 3   3      
Interest Rate Reduction and Payment Delay | Retail | Education            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0   0      
Interest Rate Reduction and Payment Delay | Retail | Other retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0   0      
Term Extension and Payment Delay            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 50 46 90 68    
Term Extension and Payment Delay | Commercial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 35 44 76 66    
Term Extension and Payment Delay | Commercial | Commercial and industrial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 1 1 20 1    
Term Extension and Payment Delay | Commercial | Commercial real estate            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 34 43 56 65    
Term Extension and Payment Delay | Retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 15 2 14 2    
Term Extension and Payment Delay | Retail | Residential mortgages            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 14 2 14 2    
Term Extension and Payment Delay | Retail | Home equity            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 1 0 0 0    
Term Extension and Payment Delay | Retail | Education            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 0    
Term Extension and Payment Delay | Retail | Other retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 0    
Interest Rate Reduction, Term Extension, and Payment Delay            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 59 5 59 5    
Interest Rate Reduction, Term Extension, and Payment Delay | Commercial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 48 4 48 4    
Interest Rate Reduction, Term Extension, and Payment Delay | Commercial | Commercial and industrial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 4 0 4    
Interest Rate Reduction, Term Extension, and Payment Delay | Commercial | Commercial real estate            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 48 0 48 0    
Interest Rate Reduction, Term Extension, and Payment Delay | Retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 11 1 11 1    
Interest Rate Reduction, Term Extension, and Payment Delay | Retail | Residential mortgages            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 10 1 10 1    
Interest Rate Reduction, Term Extension, and Payment Delay | Retail | Home equity            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 1 0 1 0    
Interest Rate Reduction, Term Extension, and Payment Delay | Retail | Education            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 0    
Interest Rate Reduction, Term Extension, and Payment Delay | Retail | Other retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amortized cost basis 0 0 0 0    
Principal Forgiveness | Commercial | Commercial and industrial            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amount of Principal Forgiven 0 0 0 0    
Principal Forgiveness | Commercial | Commercial real estate            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amount of Principal Forgiven 0 0 0 0    
Principal Forgiveness | Retail | Residential mortgages            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amount of Principal Forgiven 0 0 0 0    
Principal Forgiveness | Retail | Home equity            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amount of Principal Forgiven 0 0 0 0    
Principal Forgiveness | Retail | Education            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amount of Principal Forgiven 0 0 0 0    
Principal Forgiveness | Retail | Other retail            
Financing Receivable, Troubled Debt Restructuring [Line Items]            
Amount of Principal Forgiven $ 4 $ 4 $ 8 $ 6