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ALLOWANCE FOR CREDIT LOSSES (Tables)
 6 Months Ended
Jun. 30, 2020
Receivables [Abstract]  
Summary of Changes in Allowance for Credit Losses by Loan and Lease Class
Following is a summary of changes in the ACL, by loan and lease class:
TABLE 5.1

(in millions)Balance at
Beginning of
Period		Charge-
Offs		RecoveriesNet
Charge-
Offs		Provision for Credit LossesBalance at
End of
Period
Three Months Ended June 30, 2020
Commercial real estate$152  $(3) $1  $(2) $13  $163  
Commercial and industrial88  (4) 1  (3) 13  98  
Commercial leases13  —  —  —  4  17  
Other1  (1) —  (1) 1  1  
Total commercial loans and leases254  (8) 2  (6) 31  279  
Direct installment26  —  —  —  (1) 25  
Residential mortgages31  —  —  —  2  33  
Indirect installment21  (2) 1  (1) (3) 17  
Consumer lines of credit11  (1) —  (1) 1  11  
Total consumer loans89  (3) 1  (2) (1) 86  
Total allowance for credit losses on loans and leases$343  $(11) $3  $(8) $30  $365  

(in millions)Balance at
Beginning of
Period		Charge-
Offs		RecoveriesNet
Charge-
Offs		Provision for Credit LossesASC 326 Adoption ImpactInitial ACL on PCD LoansBalance at
End of
Period
Six Months Ended June 30, 2020
Commercial real estate$60  $(5) $5  $—  $25  $38  $40  $163  
Commercial and industrial53  (8) 2  (6) 39  8  4  98  
Commercial leases11  —  —  —  6  —  —  17  
Other9  (2) (2) 3  (9) —  1  
Total commercial loans and leases133  (15) 7  (8) 73  37  44  279  
Direct installment13  (1) —  (1) 2  10  1  25  
Residential mortgages22  —  —  —  1  6  4  33  
Indirect installment19  (5) 2  (3) (1) 2  —  17  
Consumer lines of credit9  (2) —  (2) 3  —  1  11  
Total consumer loans63  (8) 2  (6) 5  18  6  86  
Total allowance on loans and leases$196  $(23) $9  $(14) $78  $55  $50  $365  
Following is a summary of changes in the ACL, by loan and lease class:

TABLE 5.2
(in millions)Balance at
Beginning of
Period		Charge-
Offs		RecoveriesNet
Charge-
Offs		Provision
for Credit
Losses		Balance at
End of
Period
Three Months Ended June 30, 2019
Commercial real estate$57  $(1) $1  $—  $4  $61  
Commercial and industrial52  (3) 1  (2) 2  52  
Commercial leases8  —  —  —  1  9  
Other2  (1) —  (1) —  1  
Total commercial loans and leases119  (5) 2  (3) 7  123  
Direct installment12  —  —  —  1  13  
Residential mortgages19  (1) —  (1) 2  20  
Indirect installment17  (2) 1  (1) 2  18  
Consumer lines of credit10  (1) —  (1) —  9  
Total consumer loans58  (4) 1  (3) 5  60  
Total allowance for credit losses on originated loans and leases177  (9) 3  (6) 12  183  
Purchased credit-impaired loans1  —  —  —  —  1  
Other acquired loans8  (4) 1  (3) (1) 4  
Total allowance for credit losses on acquired loans9  (4) 1  (3) (1) 5  
Total allowance for credit losses$186  $(13) $4  $(9) $11  $188  
Six Months Ended June 30, 2019
Commercial real estate$55  $(2) $1  $(1) $7  $61  
Commercial and industrial49  (4) 2  (2) 5  52  
Commercial leases8  —  —  —  1  9  
Other2  (2) —  (2) 1  1  
Total commercial loans and leases114  (8) 3  (5) 14  123  
Direct installment14  (1) —  (1) —  13  
Residential mortgages20  (1) —  (1) 1  20  
Indirect installment15  (5) 2  (3) 6  18  
Consumer lines of credit10  (1) —  (1) —  9  
Total consumer loans59  (8) 2  (6) 7  60  
Total allowance on originated loans and leases173  (16) 5  (11) 21  183  
Purchased credit-impaired loans1  —  —  —  —  1  
Other loans acquired in a business combination6  (7) 1  (6) 4  4  
Total allowance on loans acquired in a business combination7  (7) 1  (6) 4  5  
Total allowance for credit losses$180  $(23) $6  $(17) $25  $188  
Summary of Individual and Collective Allowance for Credit Losses and Loan and Lease Balances by Class
Following is a summary of the individual and collective ACL and corresponding loan and lease balances by class:
TABLE 5.3
 Allowance for Credit LossesLoans and Leases Outstanding
(in millions)Individually
Evaluated for
Impairment		Collectively
Evaluated for
Impairment		Loans and
Leases		Individually
Evaluated for
Impairment		Collectively
Evaluated for
Impairment
December 31, 2019
Commercial real estate$2  $58  $7,114  $13  $7,101  
Commercial and industrial2  51  5,063  17  5,046  
Commercial leases—  11  432  —  432  
Other—  2  21  —  21  
Total commercial loans and leases4  122  12,630  30  12,600  
Direct installment—  13  1,758  —  1,758  
Residential mortgages—  22  2,995  —  2,995  
Indirect installment—  19  1,922  —  1,922  
Consumer lines of credit—  9  1,092  —  1,092  
Total consumer loans—  63  7,767  —  7,767  
Total$4  $185  $20,397  $30  $20,367  

The above table excludes loans acquired in a business combination that were pooled into groups of loans for evaluating impairment.