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LOANS AND LEASES (Tables)
 9 Months Ended
Sep. 30, 2022
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 5.1
(in millions)September 30, 2022December 31, 2021
Commercial real estate$10,841 $9,899 
Commercial and industrial6,709 5,977 
Commercial leases503 495 
Other127 94 
Total commercial loans and leases18,180 16,465 
Direct installment2,797 2,376 
Residential mortgages4,959 3,654 
Indirect installment1,529 1,227 
Consumer lines of credit1,315 1,246 
Total consumer loans10,600 8,503 
Total loans and leases, net of unearned income$28,780 $24,968 
Certain Information Relating to Commercial Real Estate Loans
The following table shows occupancy information relating to commercial real estate loans:
TABLE 5.2
(dollars in millions)September 30,
2022		December 31,
2021
Commercial real estate:
Percent owner-occupied29.9 %28.8 %
Percent non-owner-occupied70.1 71.2 
Summary of Loan, Credit Quality Indicators We use an internal risk rating assigned to a commercial loan or lease at origination, summarized below.
TABLE 5.3
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 5.4
September 30, 202220222021202020192018PriorRevolving Loans Amortized Cost BasisTotal
(in millions)
COMMERCIAL
Commercial Real Estate:
Risk Rating:
   Pass$1,400 $2,166 $1,628 $1,335 $713 $2,489 $253 $9,984 
   Special Mention35 34 61 75 130 232 6 573 
   Substandard4 16 12 36 29 167 20 284 
Total commercial real estate1,439 2,216 1,701 1,446 872 2,888 279 10,841 
Commercial and Industrial:
Risk Rating:
   Pass1,270 1,232 714 530 346 439 1,810 6,341 
   Special Mention3 8 20 49 17 37 57 191 
   Substandard4 14 6 8 39 55 51 177 
Total commercial and industrial1,277 1,254 740 587 402 531 1,918 6,709 
Commercial Leases:
Risk Rating:
   Pass111 153 76 73 41 33 — 487 
   Special Mention2 1 — — 1 — — 4 
   Substandard4 1 7 — — — — 12 
Total commercial leases117 155 83 73 42 33 — 503 
Other Commercial:
Risk Rating:
   Pass59 — — — — 13 55 127 
Total other commercial59 — — — — 13 55 127 
Total commercial loans and leases2,892 3,625 2,524 2,106 1,316 3,465 2,252 18,180 
CONSUMER
Direct Installment:
   Current731 917 473 171 95 397 — 2,784 
   Past due— — 1 1 1 10 — 13 
Total direct installment731 917 474 172 96 407 — 2,797 
Residential Mortgages:
   Current1,101 1,560 886 389 133 848 — 4,917 
   Past due— 3 3 2 3 31 — 42 
Total residential mortgages1,101 1,563 889 391 136 879 — 4,959 
Indirect Installment:
   Current683 394 186 102 100 49 — 1,514 
   Past due2 7 2 2 1 1 — 15 
Total indirect installment685 401 188 104 101 50 — 1,529 
Consumer Lines of Credit:
   Current63 18 2 3 4 132 1,078 1,300 
   Past due— — — — 1 12 2 15 
Total consumer lines of credit63 18 2 3 5 144 1,080 1,315 
Total consumer loans2,580 2,899 1,553 670 338 1,480 1,080 10,600 
Total loans and leases$5,472 $6,524 $4,077 $2,776 $1,654 $4,945 $3,332 $28,780 
December 31, 202120212020201920182017PriorRevolving Loans Amortized Cost BasisTotal
(in millions)
COMMERCIAL
Commercial Real Estate:
Risk Rating:
   Pass$1,878 $1,782 $1,503 $830 $743 $2,171 $183 $9,090 
   Special Mention15 21 89 105 107 175 9 521 
   Substandard— 15 28 45 45 152 3 288 
Total commercial real estate1,893 1,818 1,620 980 895 2,498 195 9,899 
Commercial and Industrial:
Risk Rating:
   Pass1,663 833 731 386 184 296 1,509 5,602 
   Special Mention8 12 18 7 37 42 52 176 
   Substandard1 4 14 57 42 17 64 199 
Total commercial and industrial1,672 849 763 450 263 355 1,625 5,977 
Commercial Leases:
Risk Rating:
   Pass182 109 98 53 39 1 — 482 
   Special Mention— 1 — 2 3 1 — 7 
   Substandard— 2 3 1 — — — 6 
Total commercial leases182 112 101 56 42 2 — 495 
Other Commercial:
Risk Rating:
   Pass39 — — — — 3 52 94 
Total other commercial39 — — — — 3 52 94 
Total commercial loans and leases3,786 2,779 2,484 1,486 1,200 2,858 1,872 16,465 
CONSUMER
Direct Installment:
   Current978 538 215 125 96 412 — 2,364 
   Past due— — 1 1 — 10 — 12 
Total direct installment978 538 216 126 96 422 — 2,376 
Residential Mortgages:
   Current1,280 932 392 152 212 652 — 3,620 
   Past due1 1 1 3 3 25 — 34 
Total residential mortgages1,281 933 393 155 215 677 — 3,654 
Indirect Installment:
   Current516 262 157 178 64 35 — 1,212 
   Past due6 3 2 2 1 1 — 15 
Total indirect installment522 265 159 180 65 36 — 1,227 
Consumer Lines of Credit:
   Current20 3 4 5 3 127 1,072 1,234 
   Past due— — — — — 10 2 12 
Total consumer lines of credit20 3 4 5 3 137 1,074 1,246 
Total consumer loans2,801 1,739 772 466 379 1,272 1,074 8,503 
Total loans and leases$6,587 $4,518 $3,256 $1,952 $1,579 $4,130 $2,946 $24,968 
Age Analysis of Past Due Loans, by Class
The following tables provide an analysis of the aging of loans by class.
TABLE 5.5
(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, 2022
Commercial real estate$11 $— $46 $57 $10,784 $10,841 $25 
Commercial and industrial14 — 11 25 6,684 6,709 1 
Commercial leases1 — 1 2 501 503 — 
Other— — 1 1 126 127 — 
Total commercial loans and leases26 — 59 85 18,095 18,180 26 
Direct installment5 1 7 13 2,784 2,797 — 
Residential mortgages22 6 14 42 4,917 4,959 — 
Indirect installment12 1 2 15 1,514 1,529 — 
Consumer lines of credit8 1 6 15 1,300 1,315 — 
Total consumer loans47 9 29 85 10,515 10,600 — 
Total loans and leases$73 $9 $88 $170 $28,610 $28,780 $26 

(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, 2021
Commercial real estate$11 $— $48 $59 $9,840 $9,899 $20 
Commercial and industrial4 — 15 19 5,958 5,977 4 
Commercial leases1 — 1 2 493 495 — 
Other— — — — 94 94 — 
Total commercial loans and leases16 — 64 80 16,385 16,465 24 
Direct installment5 — 7 12 2,364 2,376 — 
Residential mortgages20 4 10 34 3,620 3,654 — 
Indirect installment12 1 2 15 1,212 1,227 — 
Consumer lines of credit6 1 5 12 1,234 1,246 — 
Total consumer loans43 6 24 73 8,430 8,503 — 
Total loans and leases$59 $6 $88 $153 $24,815 $24,968 $24 
Summary of Non-Performing Assets
Following is a summary of non-performing assets:
TABLE 5.6
(dollars in millions)September 30,
2022		December 31,
2021
Non-accrual loans$88 $88 
Total non-performing loans and leases88 88 
Other real estate owned 6 8 
Total non-performing assets
$94 $96 
Asset quality ratios:
Non-performing loans and leases / total loans and leases0.30 %0.35 %
Non-performing assets + 90 days past due / total loans and leases + OREO
0.36 0.41 
Summary of the Composition of Total TDRs
Following is a summary of the composition of total TDRs:
TABLE 5.7
(in millions)September 30,
2022		December 31,
2021
Accruing$63 $60 
Non-accrual30 32 
Total TDRs$93 $92 
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 5.8
Three Months Ended September 30, 2022Nine Months Ended September 30, 2022
(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 estate2 $— $— 14 $5 $4 
Commercial and industrial3 — — 10 1 1 
Total commercial loans5 — — 24 6 5 
Direct installment8 1 1 33 1 1 
Residential mortgages14 2 2 34 5 5 
Consumer lines of credit6 — — 12 1 1 
Total consumer loans28 3 3 79 7 7 
Total33 $3 $3 103 $13 $12 

 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 
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 5.9
 Three Months Ended
September 30, 2022		Nine Months Ended
September 30, 2022
(dollars in millions)Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
Commercial real estate7 $3 10 $3 
Commercial and industrial1 — 1 — 
Total commercial loans8 3 11 3 
Direct installment3 — 5 — 
Residential mortgages5 1 8 1 
Total consumer loans8 1 13 1 
Total16 $4 24 $4 

 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 $—