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ALLOWANCE FOR CREDIT LOSSES (Tables)
3 Months Ended
Mar. 31, 2022
Credit Loss [Abstract]  
Allowance Roll-forward
Allowance for Credit Losses - Roll-forward
The following tables present ACL activity by portfolio segment for the three-month periods ended March 31, 2022 and 2021.

(dollar amounts in millions)CommercialConsumerTotal
Three-month period ended March 31, 2022:
ALLL balance, beginning of period$1,462 $568 $2,030 
Loan and lease charge-offs(31)(50)(81)
Recoveries of loans and leases previously charged-off40 22 62 
Provision (benefit) for loan and lease losses43 (36)
ALLL balance, end of period$1,514 $504 $2,018 
AULC balance, beginning of period$41 $36 $77 
Provision (benefit) for unfunded lending commitments16 (2)14 
AULC balance, end of period$57 $34 $91 
ACL balance, end of period$1,571 $538 $2,109 
(dollar amounts in millions)CommercialConsumerTotal
Three-month period ended March 31, 2021:
ALLL balance, beginning of period$1,236 $578 $1,814 
Loan and lease charge-offs(61)(34)(95)
Recoveries of loans and leases previously charged-off12 19 31 
Provision for loan and lease losses10 (57)(47)
ALLL balance, end of period$1,197 $506 $1,703 
AULC balance, beginning of period$34 $18 $52 
Provision (benefit) for unfunded lending commitments(6)(7)(13)
Unfunded lending commitment losses(1)— (1)
AULC balance, end of period$27 $11 $38 
ACL balance, end of period$1,224 $517 $1,741