| Schedule of Allowance for Loan Losses by Portfolio Segment |
The following table provides a rollforward of the ALLL and the reserve for unfunded lending commitments by portfolio type for the three and six months ended June 30, 2026 and 2025. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | ROLLFORWARD OF ALLL & RESERVE FOR UNFUNDED LENDING COMMITMENTS | | (Dollars in millions) | | Commercial, Financial, and Industrial | | Commercial Real Estate | | Consumer Real Estate | | Credit Card and Other | | Total | | | Three Months Ended June 30, 2026 | | Allowance for loan and lease losses: | | | | | | | | | | | | Balance as of April 1, 2026 | | $ | 353 | | | $ | 156 | | | $ | 201 | | | $ | 20 | | | $ | 730 | | | Charge-offs | | (32) | | | (3) | | | (1) | | | (5) | | | (41) | | | Recoveries | | 5 | | | — | | | 2 | | | 1 | | | 8 | | | Provision (benefit) for loan and lease losses | | 24 | | | (3) | | | (12) | | | 3 | | | 12 | | | Balance as of June 30, 2026 | | $ | 350 | | | $ | 150 | | | $ | 190 | | | $ | 19 | | | $ | 709 | | | | | | | | | | | | | | Reserve for remaining unfunded commitments: | | | | | | | | | | | | Balance as of April 1, 2026 | | $ | 80 | | | $ | 7 | | | $ | 9 | | | $ | — | | | $ | 96 | | | Provision (benefit) for remaining unfunded commitments | | 4 | | | — | | | (1) | | | — | | | 3 | | | Balance as of June 30, 2026 | | 84 | | | 7 | | | 8 | | | — | | | 99 | | | Allowance for credit losses as of June 30, 2026 | | $ | 434 | | | $ | 157 | | | $ | 198 | | | $ | 19 | | | $ | 808 | | | | | | | | | | | | | | | Three Months Ended June 30, 2025 | | Allowance for loan and lease losses: | | | | | | | | | | | | Balance as of April 1, 2025 | | $ | 345 | | | $ | 225 | | | $ | 230 | | | $ | 22 | | | $ | 822 | | | Charge-offs | | (28) | | | (7) | | | (2) | | | (6) | | | (43) | | | Recoveries | | 6 | | | — | | | 1 | | | 2 | | | 9 | | | Provision (benefit) for loan and lease losses | | 24 | | | (5) | | | 4 | | | 3 | | | 26 | | | Balance as of June 30, 2025 | | $ | 347 | | | $ | 213 | | | $ | 233 | | | $ | 21 | | | $ | 814 | | | | | | | | | | | | | | Reserve for remaining unfunded commitments: | | | | | | | | | | | | Balance as of April 1, 2025 | | $ | 63 | | | $ | 9 | | | $ | 11 | | | $ | — | | | $ | 83 | | | Provision (benefit) for remaining unfunded commitments | | 5 | | | 1 | | | (2) | | | — | | | 4 | | | Balance as of June 30, 2025 | | 68 | | | 10 | | | 9 | | | — | | | 87 | | | Allowance for credit losses as of June 30, 2025 | | $ | 415 | | | $ | 223 | | | $ | 242 | | | $ | 21 | | | $ | 901 | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in millions) | | Commercial, Financial, and Industrial | | Commercial Real Estate | | Consumer Real Estate | | Credit Card and Other | | Total | | | Six Months Ended June 30, 2026 | | Allowance for loan and lease losses: | | | | | | | | | | | | Balance as of January 1, 2026 | | $ | 335 | | | $ | 177 | | | $ | 206 | | | $ | 20 | | | $ | 738 | | | Charge-offs | | (68) | | | (7) | | | (2) | | | (9) | | | (86) | | | Recoveries | | 19 | | | — | | | 4 | | | 2 | | | 25 | | | Provision (benefit) for loan and lease losses | | 64 | | | (20) | | | (18) | | | 6 | | | 32 | | | Balance as of June 30, 2026 | | $ | 350 | | | $ | 150 | | | $ | 190 | | | $ | 19 | | | $ | 709 | | | | | | | | | | | | | | Reserve for remaining unfunded commitments: | | | | | | | | | | | | Balance as of January 1, 2026 | | $ | 81 | | | $ | 11 | | | $ | 9 | | | $ | — | | | $ | 101 | | | Provision (benefit) for remaining unfunded commitments | | 3 | | | (4) | | | (1) | | | — | | | (2) | | | Balance as of June 30, 2026 | | 84 | | | 7 | | | 8 | | | — | | | 99 | | | Allowance for credit losses as of June 30, 2026 | | $ | 434 | | | $ | 157 | | | $ | 198 | | | $ | 19 | | | $ | 808 | | | | | | | | | | | | | | | Six Months Ended June 30, 2025 | | Allowance for loan and lease losses: | | | | | | | | | | | | Balance as of January 1, 2025 | | $ | 345 | | | $ | 227 | | | $ | 221 | | | $ | 22 | | | $ | 815 | | | Charge-offs | | (62) | | | (10) | | | (2) | | | (10) | | | (84) | | | Recoveries | | 12 | | | 3 | | | 3 | | | 3 | | | 21 | | | Provision (benefit) for loan and lease losses | | 52 | | | (7) | | | 11 | | | 6 | | | 62 | | | Balance as of June 30, 2025 | | $ | 347 | | | $ | 213 | | | $ | 233 | | | $ | 21 | | | $ | 814 | | | | | | | | | | | | | | Reserve for remaining unfunded commitments: | | | | | | | | | | | | Balance as of January 1, 2025 | | $ | 57 | | | $ | 11 | | | $ | 11 | | | $ | — | | | $ | 79 | | | Provision (benefit) for remaining unfunded commitments | | 11 | | | (1) | | | (2) | | | — | | | 8 | | | Balance as of June 30, 2025 | | 68 | | | 10 | | | 9 | | | — | | | 87 | | | Allowance for credit losses as of June 30, 2025 | | $ | 415 | | | $ | 223 | | | $ | 242 | | | $ | 21 | | | $ | 901 | | | | | | | | | | | | |
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| Schedule of Gross Charge offs by Year of Origination |
The following table presents gross charge-offs by year of origination for the six months ended June 30, 2026 and 2025. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | GROSS CHARGE-OFFS | | | | | | Six Months Ended June 30, 2026 | | (Dollars in millions) | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | Prior to 2022 | | Revolving Loans | | Total | | C&I | | $ | 2 | | | $ | — | | | $ | 32 | | | $ | 13 | | | $ | 4 | | | $ | 11 | | | $ | 6 | | | $ | 68 | | | CRE | | — | | | — | | | — | | | — | | | 1 | | | 6 | | | — | | | 7 | | | Consumer real estate | | — | | | — | | | — | | | 1 | | | — | | | 1 | | | — | | | 2 | | | Credit card and other | | 4 | | | 1 | | | — | | | — | | | — | | | 1 | | | 3 | | | 9 | | | Total | | $ | 6 | | | $ | 1 | | | $ | 32 | | | $ | 14 | | | $ | 5 | | | $ | 19 | | | $ | 9 | | | $ | 86 | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended June 30, 2025 | | (Dollars in millions) | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior to 2021 | | Revolving Loans | | Total | | C&I | | $ | 3 | | | $ | 3 | | | $ | 1 | | | $ | 7 | | | $ | 19 | | | $ | 26 | | | $ | 3 | | | $ | 62 | | | CRE | | — | | | — | | | — | | | 5 | | | — | | | 5 | | | — | | | 10 | | | Consumer real estate | | — | | | — | | | 1 | | | 1 | | | — | | | — | | | — | | | 2 | | | Credit card and other | | 3 | | | — | | | — | | | 1 | | | 2 | | | 1 | | | 3 | | | 10 | | | Total | | $ | 6 | | | $ | 3 | | | $ | 2 | | | $ | 14 | | | $ | 21 | | | $ | 32 | | | $ | 6 | | | $ | 84 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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