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) | | | | | | | | | | | | | | | Commercial | | Consumer | | Total | 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-off | | | | | | | | | | | | | | | 40 | | | 22 | | | 62 | | Provision (benefit) for loan and lease losses | | | | | | | | | | | | | | | 43 | | | (36) | | | 7 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | ALLL balance, end of period | | | | | | | | | | | | | | | $ | 1,514 | | | $ | 504 | | | $ | 2,018 | | AULC balance, beginning of period | | | | | | | | | | | | | | | $ | 41 | | | $ | 36 | | | $ | 77 | | | | | | | | | | | | | | | | | | | | | | Provision (benefit) for unfunded lending commitments | | | | | | | | | | | | | | | 16 | | | (2) | | | 14 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | AULC balance, end of period | | | | | | | | | | | | | | | $ | 57 | | | $ | 34 | | | $ | 91 | | ACL balance, end of period | | | | | | | | | | | | | | | $ | 1,571 | | | $ | 538 | | | $ | 2,109 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (dollar amounts in millions) | | | | | | | | | | | | | | | Commercial | | Consumer | | Total | 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-off | | | | | | | | | | | | | | | 12 | | | 19 | | | 31 | | Provision for loan and lease losses | | | | | | | | | | | | | | | 10 | | | (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 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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