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LOANS AND LEASES (Tables)
 9 Months Ended
Sep. 30, 2021
Receivables [Abstract]  
Summary of Loans and Leases, Net of Unearned Income
Following is a summary of total loans and leases, net of unearned income:
TABLE 4.1
(in millions)September 30, 2021December 31, 2020
Commercial real estate$9,871 $9,731 
Commercial and industrial5,960 7,214 
Commercial leases489 485 
Other81 40 
Total commercial loans and leases16,401 17,470 
Direct installment2,250 2,020 
Residential mortgages3,588 3,433 
Indirect installment1,230 1,218 
Consumer lines of credit1,247 1,318 
Total consumer loans8,315 7,989 
Total loans and leases, net of unearned income$24,716 $25,459 
Certain Information Relating to Commercial Real Estate Loans
The following table shows occupancy information relating to commercial real estate loans:
TABLE 4.2
(dollars in millions)September 30,
2021		December 31,
2020
Commercial real estate:
Percent owner-occupied28.2 %28.1 %
Percent non-owner-occupied71.8 71.9 
Summary of Loan, Credit Quality Indicators We use an internal risk rating assigned to a commercial loan or lease at origination, summarized below.
TABLE 4.3
Rating CategoryDefinition
Passin general, the condition of the borrower and the performance of the loan is satisfactory or better
Special Mentionin general, the condition of the borrower has deteriorated, requiring an increased level of monitoring
Substandardin general, the condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate if deficiencies are not corrected
Doubtfulin general, the condition of the borrower has significantly deteriorated and the collection in full of both principal and interest is highly questionable or improbable
Schedule of Financing Receivables, Originated Year
The following tables summarize the designated loan rating category by loan class including term loans on an amortized cost basis by origination year:
TABLE 4.4
September 30, 202120212020201920182017PriorRevolving Loans Amortized Cost BasisTotal
(in millions)
COMMERCIAL
Commercial Real Estate:
Risk Rating:
   Pass$1,290 $1,817 $1,706 $964 $797 $2,385 $148 $9,107 
   Special Mention15 16 45 111 115 175 2 479 
   Substandard— 8 34 38 44 158 3 285 
Total commercial real estate1,305 1,841 1,785 1,113 956 2,718 153 9,871 
Commercial and Industrial:
Risk Rating:
   Pass1,500 980 788 422 200 293 1,335 5,518 
   Special Mention— 31 15 5 18 64 35 168 
   Substandard2 6 22 61 65 21 97 274 
Total commercial and industrial1,502 1,017 825 488 283 378 1,467 5,960 
Commercial Leases:
Risk Rating:
   Pass139 124 107 58 43 2 — 473 
   Special Mention— — — 2 3 2 — 7 
   Substandard— 4 3 2 — — — 9 
Total commercial leases139 128 110 62 46 4 — 489 
Other Commercial:
Risk Rating:
   Pass23 — — — — 9 49 81 
   Substandard— — — — — — — — 
Total other commercial23 — — — — 9 49 81 
Total commercial2,969 2,986 2,720 1,663 1,285 3,109 1,669 16,401 
CONSUMER
Direct Installment:
   Current707 585 240 141 106 458 — 2,237 
   Past due— — 1 1 — 11 — 13 
Total direct installment707 585 241 142 106 469 — 2,250 
Residential Mortgages:
   Current996 986 445 167 240 715 2 3,551 
   Past due— 2 4 4 3 24 — 37 
Total residential mortgages996 988 449 171 243 739 2 3,588 
Indirect Installment:
   Current415 290 180 210 80 45 — 1,220 
   Past due2 2 2 2 1 1 — 10 
Total indirect installment417 292 182 212 81 46 — 1,230 
Consumer Lines of Credit:
   Current13 3 4 6 3 126 1,078 1,233 
   Past due— — — — — 12 2 14 
Total consumer lines of credit13 3 4 6 3 138 1,080 1,247 
Total consumer2,133 1,868 876 531 433 1,392 1,082 8,315 
Total loans and leases$5,102 $4,854 $3,596 $2,194 $1,718 $4,501 $2,751 $24,716 
December 31, 202020202019201820172016PriorRevolving Loans Amortized Cost BasisTotal
(in millions)
COMMERCIAL
Commercial Real Estate:
Risk Rating:
   Pass$1,879 $1,854 $1,135 $927 $888 $1,911 $163 $8,757 
   Special Mention9 30 80 158 70 163 4 514 
   Substandard4 32 29 81 116 192 6 460 
Total commercial real estate1,892 1,916 1,244 1,166 1,074 2,266 173 9,731 
Commercial and Industrial:
Risk Rating:
   Pass3,286 1,007 590 304 120 311 1,095 6,713 
   Special Mention30 23 13 28 10 35 79 218 
   Substandard8 26 65 44 6 37 97 283 
Total commercial and industrial3,324 1,056 668 376 136 383 1,271 7,214 
Commercial Leases:
Risk Rating:
   Pass178 134 83 56 5 3 — 459 
   Special Mention1 1 4 4 1 2 — 13 
   Substandard7 2 2 1 1 — — 13 
Total commercial leases186 137 89 61 7 5 — 485 
Other Commercial:
Risk Rating:
   Pass— — — — — 4 35 39 
   Substandard— — — — — 1 — 1 
Total other commercial— — — — — 5 35 40 
Total commercial5,402 3,109 2,001 1,603 1,217 2,659 1,479 17,470 
CONSUMER
Direct Installment:
   Current706 337 200 143 171 442 1 2,000 
   Past due— 1 2 1 2 14 — 20 
Total direct installment706 338 202 144 173 456 1 2,020 
Residential Mortgages:
   Current1,079 707 283 378 330 603 1 3,381 
   Past due1 5 7 4 6 29 — 52 
Total residential mortgages1,080 712 290 382 336 632 1 3,433 
Indirect Installment:
   Current372 260 332 147 67 27 — 1,205 
   Past due1 3 4 2 2 1 — 13 
Total indirect installment373 263 336 149 69 28 — 1,218 
Consumer Lines of Credit:
   Current4 7 8 3 5 127 1,146 1,300 
   Past due— — — — — 15 3 18 
Total consumer lines of credit4 7 8 3 5 142 1,149 1,318 
Total consumer2,163 1,320 836 678 583 1,258 1,151 7,989 
Total loans and leases$7,565 $4,429 $2,837 $2,281 $1,800 $3,917 $2,630 $25,459 
Age Analysis of Past Due Loans, by Class
The following tables provide an analysis of the aging of loans by class.
TABLE 4.5
(in millions)30-89 Days
Past Due
> 90 Days
Past Due
and Still
Accruing
Non-
Accrual		Total
Past Due		CurrentTotal
Loans and
Leases		Non-accrual with No ACL
September 30, 2021
Commercial real estate$6 $— $55 $61 $9,810 $9,871 $20 
Commercial and industrial13 — 23 36 5,924 5,960 4 
Commercial leases4 — 1 5 484 489 — 
Other— — 1 1 80 81 — 
Total commercial loans and leases23 — 80 103 16,298 16,401 24 
Direct installment4 1 8 13 2,237 2,250 — 
Residential mortgages18 5 14 37 3,551 3,588 — 
Indirect installment8 — 2 10 1,220 1,230 — 
Consumer lines of credit6 2 6 14 1,233 1,247 — 
Total consumer loans36 8 30 74 8,241 8,315 — 
Total loans and leases$59 $8 $110 $177 $24,539 $24,716 $24 
(in millions)30-89 Days
Past Due
> 90 Days
Past Due
and Still
Accruing
Non-
Accrual		Total
Past Due 		CurrentTotal
Loans and
Leases		Non-accrual with No ACL
December 31, 2020
Commercial real estate$13 $— $85 $98 $9,633 $9,731 $36 
Commercial and industrial8 — 44 52 7,162 7,214 16 
Commercial leases2 — 2 4 481 485 — 
Other— — 1 1 39 40 — 
Total commercial loans and leases23 — 132 155 17,315 17,470 52 
Direct installment7 2 11 20 2,000 2,020 — 
Residential mortgages23 11 18 52 3,381 3,433 — 
Indirect installment10 1 2 13 1,205 1,218 — 
Consumer lines of credit9 2 7 18 1,300 1,318 — 
Total consumer loans49 16 38 103 7,886 7,989 — 
Total loans and leases$72 $16 $170 $258 $25,201 $25,459 $52 
Summary of Non-Performing Assets
Following is a summary of non-performing assets:
TABLE 4.6
(dollars in millions)September 30,
2021		December 31,
2020
Non-accrual loans$110 $170 
Total non-performing loans
110 170 
Other real estate owned 8 10 
Total non-performing assets
$118 $180 
Asset quality ratios:
Non-performing loans / total loans and leases
0.45 %0.67 %
Non-performing assets + 90 days past due + OREO / total loans and leases + OREO
0.51 0.77 
Summary of the Composition of Total TDRs
Following is a summary of the composition of total TDRs:
TABLE 4.7
(in millions)September 30,
2021		December 31,
2020
Accruing$58 $58 
Non-accrual35 33 
Total TDRs$93 $91 
Summary of Troubled Debt Restructurings by Class of Loans
Following is a summary of TDR loans, by class, for loans that were modified during the periods indicated:
TABLE 4.8
Three Months Ended September 30, 2021Nine Months Ended September 30, 2021
(dollars in millions)Number
of
Contracts		Pre-
Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment		Number
of
Contracts		Pre-
Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment
Commercial real estate5 $2 $2 21 $20 $20 
Commercial and industrial3 — — 8 1 — 
Other1 — — 1 — — 
Total commercial loans9 2 2 30 21 20 
Direct installment8 — — 26 1 1 
Residential mortgages12 2 2 15 2 2 
Consumer lines of credit7 — — 31 2 2 
Total consumer loans27 2 2 72 5 5 
Total36 $4 $4 102 $26 $25 

 Three Months Ended September 30, 2020Nine Months Ended September 30, 2020
(dollars in millions)Number
of
Contracts		Pre-
Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment		Number
of
Contracts		Pre-
Modification
Outstanding
Recorded
Investment		Post-
Modification
Outstanding
Recorded
Investment
Commercial real estate7 $2 $2 23 $8 $6 
Commercial and industrial4 — — 19 3 2 
Other— — — 1 — — 
Total commercial loans11 2 2 43 11 8 
Direct installment14 1 1 50 3 3 
Residential mortgages2 1 1 18 3 2 
Consumer lines of credit9 — — 36 1 1 
Total consumer loans25 2 2 104 7 6 
Total36 $4 $4 147 $18 $14 
Summary of Troubled Debt Restructurings by Class of Loans and Leases, Payment Default
Following is a summary of TDRs, by class, for which there was a payment default, excluding loans that have been paid off and/or sold. Default occurs when a loan is 90 days or more past due and is within 12 months of restructuring.
TABLE 4.9
 Three Months Ended
September 30, 2021		Nine Months Ended
September 30, 2021
(dollars in millions)Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
Commercial and industrial— $— 1 $— 
Total commercial loans— — 1 — 
Direct installment1 — 1 — 
Residential mortgages— — 1 — 
Total consumer loans1 — 2 — 
Total1 $— 3 $— 

 Three Months Ended
September 30, 2020		Nine Months Ended
September 30, 2020
(dollars in millions)Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
Commercial real estate— $— 8 $3 
Commercial and industrial1 — 3 — 
Total commercial loans1 — 11 3 
Direct installment4 — 12 1 
Residential mortgages— — 2 — 
Consumer lines of credit1 — 3 — 
Total consumer loans5 — 17 1 
Total6 $— 28 $4