ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

Mar. 31, 2026

Credit Loss [Abstract]

Allowance Roll-forward

The following table presents ACL activity by portfolio segment.


(dollar amounts in millions)	Commercial		Consumer		Total
Three months ended March 31, 2026
ALLL balance, beginning of period	$1,731		$806		$2,537
Loan and lease charge-offs (1)	(98)		(75)		(173)
Recoveries of loans and leases previously charged-off	42		20		62
Provision for loan and lease losses	192		58		250
Allowance on PCD loans and leases at acquisition	268		54		322
Allowance on purchased seasoned loans and leases at acquisition	170		75		245
ALLL balance, end of period	$2,305		$938		$3,243
AULC balance, beginning of period	$145		$61		$206
Provision (benefit) for unfunded lending commitments	(50)		(42)		(92)
Acquired unfunded lending commitments	3		8		11
AULC balance, end of period	$98		$27		$125
ACL balance, end of period	$2,403		$965		$3,368
Three months ended March 31, 2025
ALLL balance, beginning of period	$1,484		$760		$2,244
Loan and lease charge-offs	(74)		(59)		(133)
Recoveries of loans and leases previously charged-off	30		17		47
Provision for loan and lease losses	80		25		105
ALLL balance, end of period	$1,520		$743		$2,263
AULC balance, beginning of period	$144		$58		$202
Provision (benefit) for unfunded lending commitments	14		(1)		13
AULC balance, end of period	$158		$57		$215
ACL balance, end of period	$1,678		$800		$2,478

(1)Includes charge-offs of $23 million on certain commercial loans previously charged off by Cadence, which were written up to the unpaid principal balance

at acquisition and then immediately written off as required by purchase accounting.