XML 103 R89.htm IDEA: XBRL DOCUMENT v3.20.4
Allowance for Credit Losses on Loans and Leases - Changes in Allowance for Credit Losses (Detail) - USD ($)
$ in Millions
12 Months Ended
Jan. 01, 2020
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period $ 196 $ 196 $ 180 $ 175
Charge- Offs     (42) (70)
Recoveries     14 14
Net Charge- Offs     (28) (56)
Provision for Credit Losses     44 61
Balance at End of Period 196 363 196 180
Unfunded Loan Commitment        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 3 3    
Charge- Offs   0    
Recoveries   0    
Net Charge- Offs   0    
Provision for Credit Losses   1    
ASC 326 Adoption Impact 10      
Initial ACL on PCD Loans   0    
Balance at End of Period   14 3  
Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 189 189 173 168
Charge- Offs     (33) (63)
Recoveries     12 11
Net Charge- Offs     (21) (52)
Provision for Credit Losses     37 57
Balance at End of Period     189 173
Allowance for credit losses on loans and leases and allowance for unfunded loan commitments        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 199 199    
Charge- Offs   (81)    
Recoveries   21    
Net Charge- Offs   (60)    
Provision for Credit Losses   123    
ASC 326 Adoption Impact 65      
Initial ACL on PCD Loans   50    
Balance at End of Period   377 199  
Allowance for credit losses on loans and leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 196 196    
Charge- Offs   (81)    
Recoveries   21    
Net Charge- Offs   (60)    
Provision for Credit Losses   122    
ASC 326 Adoption Impact 55      
Initial ACL on PCD Loans   50    
Balance at End of Period   363 196  
Total commercial loans and leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 133 133    
Charge- Offs   (68)    
Recoveries   15    
Net Charge- Offs   (53)    
Provision for Credit Losses   119    
ASC 326 Adoption Impact 37      
Initial ACL on PCD Loans   44    
Balance at End of Period   280 133  
Total commercial loans and leases | Unfunded Loan Commitment        
Allowance for Loan and Lease Losses [Roll Forward]        
Provision for Credit Losses   1    
ASC 326 Adoption Impact   8    
Total commercial loans and leases | Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 126 126 114 109
Charge- Offs     (17) (34)
Recoveries     8 5
Net Charge- Offs     (9) (29)
Provision for Credit Losses     21 34
Balance at End of Period     126 114
Commercial real estate        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 60 60    
Charge- Offs   (31)    
Recoveries   7    
Net Charge- Offs   (24)    
Provision for Credit Losses   67    
ASC 326 Adoption Impact 38      
Initial ACL on PCD Loans   40    
Balance at End of Period 60 181 60  
Commercial real estate | Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 60 60 55 50
Charge- Offs     (4) (7)
Recoveries     4 3
Net Charge- Offs     0 (4)
Provision for Credit Losses     5 9
Balance at End of Period     60 55
Commercial and industrial        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 53 53    
Charge- Offs   (32)    
Recoveries   7    
Net Charge- Offs   (25)    
Provision for Credit Losses   41    
ASC 326 Adoption Impact 8      
Initial ACL on PCD Loans   4    
Balance at End of Period 53 81 53  
Commercial and industrial | Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 53 53 49 52
Charge- Offs     (10) (20)
Recoveries     4 2
Net Charge- Offs     (6) (18)
Provision for Credit Losses     10 15
Balance at End of Period     53 49
Commercial leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 11 11    
Charge- Offs   (1)    
Recoveries   0    
Net Charge- Offs   (1)    
Provision for Credit Losses   7    
ASC 326 Adoption Impact 0      
Initial ACL on PCD Loans   0    
Balance at End of Period 11 17 11  
Commercial leases | Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 11 11 8 5
Charge- Offs     0 (3)
Recoveries     0 0
Net Charge- Offs     0 (3)
Provision for Credit Losses     3 6
Balance at End of Period     11 8
Other        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 9 9    
Charge- Offs   (4)    
Recoveries   1    
Net Charge- Offs   (3)    
Provision for Credit Losses   4    
ASC 326 Adoption Impact (9)      
Initial ACL on PCD Loans   0    
Balance at End of Period 9 1 9  
Other | Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 2 2 2 2
Charge- Offs     (3) (4)
Recoveries     0 0
Net Charge- Offs     (3) (4)
Provision for Credit Losses     3 4
Balance at End of Period     2 2
Total consumer loans        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 63 63    
Charge- Offs   (13)    
Recoveries   6    
Net Charge- Offs   (7)    
Provision for Credit Losses   3    
ASC 326 Adoption Impact 18      
Initial ACL on PCD Loans   6    
Balance at End of Period   83 63  
Total consumer loans | Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 63 63 59 59
Charge- Offs     (16) (29)
Recoveries     4 6
Net Charge- Offs     (12) (23)
Provision for Credit Losses     16 23
Balance at End of Period     63 59
Direct installment        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 13 13    
Charge- Offs   (1)    
Recoveries   1    
Net Charge- Offs   0    
Provision for Credit Losses   2    
ASC 326 Adoption Impact 10      
Initial ACL on PCD Loans   1    
Balance at End of Period 13 26 13  
Direct installment | Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 13 13 14 21
Charge- Offs     (1) (17)
Recoveries     0 2
Net Charge- Offs     (1) (15)
Provision for Credit Losses     0 8
Balance at End of Period     13 14
Residential mortgages        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 22 22    
Charge- Offs   (2)    
Recoveries   1    
Net Charge- Offs   (1)    
Provision for Credit Losses   3    
ASC 326 Adoption Impact 6      
Initial ACL on PCD Loans   4    
Balance at End of Period 22 34 22  
Residential mortgages | Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 22 22 20 16
Charge- Offs     (2) 0
Recoveries     0 0
Net Charge- Offs     (2) 0
Provision for Credit Losses     4 4
Balance at End of Period     22 20
Indirect installment        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 19 19    
Charge- Offs   (8)    
Recoveries   4    
Net Charge- Offs   (4)    
Provision for Credit Losses   (6)    
ASC 326 Adoption Impact 2      
Initial ACL on PCD Loans   0    
Balance at End of Period 19 11 19  
Indirect installment | Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 19 19 15 12
Charge- Offs     (11) (9)
Recoveries     4 4
Net Charge- Offs     (7) (5)
Provision for Credit Losses     11 8
Balance at End of Period     19 15
Consumer lines of credit        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 9 9    
Charge- Offs   (2)    
Recoveries   0    
Net Charge- Offs   (2)    
Provision for Credit Losses   4    
ASC 326 Adoption Impact 0      
Initial ACL on PCD Loans   1    
Balance at End of Period 9 12 9  
Consumer lines of credit | Unfunded Loan Commitment        
Allowance for Loan and Lease Losses [Roll Forward]        
Provision for Credit Losses   0    
ASC 326 Adoption Impact   2    
Consumer lines of credit | Originated Loans And Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period 9 9 10 10
Charge- Offs     (2) (3)
Recoveries     0 0
Net Charge- Offs     (2) (3)
Provision for Credit Losses     1 3
Balance at End of Period     9 10
Loans acquired in a business combination | Acquired Loans        
Allowance for Loan and Lease Losses [Roll Forward]        
Balance at Beginning of Period $ 7 $ 7 7 7
Charge- Offs     (9) (7)
Recoveries     2 3
Net Charge- Offs     (7) (4)
Provision for Credit Losses     7 4
Balance at End of Period     $ 7 $ 7