Comerica (CMA) 10-K 24 Feb 25 2024 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2024	Feb. 20, 2025	Jun. 28, 2024
Document And Entity Information [Abstract]
Document Annual Report	true
Entity Incorporation, State or Country Code	DE
City Area Code	(833)
Local Phone Number	571-0486
Title of 12(b) Security	Common Stock, $5 par value
Document Type	10-K
Document Period End Date	Dec. 31, 2024
Entity File Number	1-10706
Amendment Flag	false
Entity Registrant Name	Comerica Incorporated
Entity Central Index Key	0000028412
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		131,350,607
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Public Float			$ 6,700,000,000
Document Transition Report	false
Trading Symbol	CMA
Security Exchange Name	NYSE
Entity Address, Address Line One	1717 Main Street, MC 6404
Entity Address, City or Town	Dallas
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	75201
Entity Tax Identification Number	38-1998421
ICFR Auditor Attestation Flag	true
Auditor Name	Ernst & Young LLP
Auditor Location	Dallas, TX
Auditor Firm ID	42

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 850	$ 1,443
Interest-bearing deposits with banks	5,954	8,059
Other short-term investments	375	399
Fair Value	15,045	16,869
Commercial loans	26,492	27,251
Real estate construction loans	3,680	5,083
Commercial mortgage loans	14,493	13,686
Lease financing	722	807
International loans	952	1,102
Residential mortgage loans	1,929	1,889
Consumer loans	2,271	2,295
Total loans	50,539	52,113
Less allowance for loan losses	(690)	(688)
Net loans	49,849	51,425
Premises and equipment	473	445
Accrued income and other assets	6,751	7,194
Total assets	79,297	85,834
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits	24,425	27,849
Money market and interest-bearing checking deposits	32,714	28,246
Savings deposits	2,138	2,381
Customer certificates of deposit	3,450	3,723
Other time deposits	1,052	4,550
Foreign office time deposits	32	13
Total interest-bearing deposits	39,386	38,913
Total deposits	63,811	66,762
Short-term borrowings	0	3,565
Accrued expenses and other liabilities	2,270	2,895
Medium- and long-term debt	6,673	6,206
Total liabilities	72,754	79,428
Fixed rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares, Issued - 4,000 shares at 12/31/2024 and 12/31/2023	394	394
Common stock - $5 par value: Authorized - 325,000,000 shares; Issued - 228,164,824 shares	1,141	1,141
Capital surplus	2,218	2,224
Accumulated other comprehensive loss	(3,161)	(3,048)
Retained earnings	12,017	11,727
Less cost of common stock in treasury - 96,755,368 shares at 12/31/24 and 96,266,568 shares at 12/31/23	(6,066)	(6,032)
Total shareholders' equity	6,543	6,406
Total liabilities and shareholders' equity	$ 79,297	$ 85,834

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2020
Statement of Financial Position [Abstract]
Preferred Stock, No Par Value	$ 0	$ 0
Preferred Stock, Liquidation Preference Per Share	$ 100,000	$ 100,000	$ 1,000
Preferred Stock, Shares Authorized	4,000	4,000
Preferred Stock, Shares Issued	4,000	4,000
Common stock, par value	$ 5	$ 5
Common stock, authorized shares	325,000,000	325,000,000
Common stock, issued shares	228,164,824	228,164,824
Treasury Stock, Common, Shares	96,755,368	96,266,568

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
INTEREST INCOME
Interest and fees on loans	$ 3,204	$ 3,340	$ 2,153
Interest on investment securities	402	430	414
Interest on short-term investments	333	405	105
Total interest income	3,939	4,175	2,672
INTEREST EXPENSE
Interest on deposits	1,238	892	102
Interest on short-term borrowings	48	391	17
Interest on medium- and long-term debt	463	378	87
Total interest expense	1,749	1,661	206
Net interest income	2,190	2,514	2,466
Provision for credit losses	49	89	60
Net interest income after provision for credit losses	2,141	2,425	2,406
NONINTEREST INCOME
Card fees	256	280	273
Fiduciary income	220	235	233
Service charges on deposit accounts	184	185	195
Capital markets income	142	147	154
Commercial lending fees	68	72	68
Brokerage fees	51	30	21
Bank-owned life insurance	44	46	47
Letter of credit fees	40	42	38
Risk management hedging (loss) income	8	(42)	8
Net securities losses	(19)	0	0
Other noninterest income	60	83	31
Total noninterest income	1,054	1,078	1,068
NONINTEREST EXPENSES
Salaries and benefits expense	1,352	1,306	1,208
Outside processing fee expense	273	277	251
Occupancy expense	181	171	175
Software expense	181	171	161
FDIC insurance expense	76	180	31
Equipment expense	52	50	50
Advertising expense	41	40	38
Other noninterest expenses	151	164	84
Total noninterest expenses	2,307	2,359	1,998
Income before income taxes	888	1,144	1,476
Provision for income taxes	190	263	325
Net Income	698	881	1,151
Less income allocated to participating securities	4	4	6
Preferred stock dividends	23	23	23
Net income attributable to common shares	$ 671	$ 854	$ 1,122
Basic earnings per common share	$ 5.06	$ 6.47	$ 8.56
Diluted earnings per common share	$ 5.02	$ 6.44	$ 8.47
Cash dividends declared on common stock	$ 376	$ 375	$ 356
Cash dividends declared per common share	$ 2.84	$ 2.84	$ 2.72

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 698	$ 881	$ 1,151
Net unrealized holding (losses) gains arising during the period	(182)	361	(2,903)
Less reclassification adjustment for net securities losses included in net income	19	0	0
Change in net unrealized gains (losses) before income taxes	(201)	361	(2,903)
Net cash flow hedge (losses) gains arising during the period	(624)	34	(1,329)
Reclassification of loss related to de-designation of derivatives to other noninterest income	0	(195)	0
Net cash flow losses included in interest and fees on loans	(629)	(576)	(25)
Amortization of unrealized losses related to de-designated derivatives	(8)	(26)	0
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax, Total	13	441	(1,304)
Actuarial gain (loss) arising during the period	35	96	(415)
Amortization of net actuarial loss	27	36	28
Amortization of prior service credit	(22)	(23)	(23)
Change in defined benefit pension and other postretirement plans adjustment before income taxes	40	109	(410)
Total other comprehensive income (loss) before income taxes	(148)	911	(4,617)
Provision (benefit) for income taxes	(35)	217	(1,087)
Total other comprehensive income (loss), net of tax	(113)	694	(3,530)
Comprehensive Income	$ 585	$ 1,575	$ (2,379)

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) shares in Thousands, $ in Millions	Total	Nonredeemable Preferred Stock	Common Stock	Capital Surplus	Accumulated Other Comprehensive Loss	Retained Earnings	Treasury Stock, Common
BALANCE (in shares)			130,700
BALANCE at Dec. 31, 2021	$ 7,897	$ 394	$ 1,141	$ 2,175	$ (212)	$ 10,494	$ (6,095)
Net income	1,151					1,151
Other comprehensive income (loss), net of tax	(3,530)				(3,530)
Cash dividends declared on common stock	(356)					(356)
Cash dividends declared on preferred stock	(23)					(23)
Purchase of common stock	(36)						(36)
Purchase of common stock (in shares)			(400)
Net issuance of common stock under employee stock plans (in shares)			700
Net issuance of common stock under employee stock plans	18			(15)		(8)	41
Share-based compensation	60			60
BALANCE at Dec. 31, 2022	5,181	394	$ 1,141	2,220	(3,742)	11,258	(6,090)
BALANCE (in shares)			131,000
Net income	881					881
Other comprehensive income (loss), net of tax	694				694
Cash dividends declared on common stock	(375)					(375)
Cash dividends declared on preferred stock	(23)					(23)
Net issuance of common stock under employee stock plans (in shares)			900
Net issuance of common stock under employee stock plans	(4)			(48)		(14)	58
Share-based compensation	52			52
BALANCE at Dec. 31, 2023	6,406	394	$ 1,141	2,224	(3,048)	11,727	(6,032)
BALANCE (in shares)			131,900
Cumulative effect of change in accounting principle	(4)					(4)
Net income	698					698
Other comprehensive income (loss), net of tax	(113)				(113)
Cash dividends declared on common stock	(376)					(376)
Cash dividends declared on preferred stock	(23)					(23)
Purchase of common stock	$ (100)			(4)			(96)
Purchase of common stock (in shares)	1,500		(1,500)
Net issuance of common stock under employee stock plans (in shares)			1,000
Net issuance of common stock under employee stock plans	$ 1			(56)		(5)	62
Share-based compensation	54			54
BALANCE at Dec. 31, 2024	$ 6,543	$ 394	$ 1,141	$ 2,218	$ (3,161)	$ 12,017	$ (6,066)
BALANCE (in shares)			131,400

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Changes in Equity Parenthetical [Abstract]
Cash dividends declared per common share	$ 2.84	$ 2.84	$ 2.72

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
OPERATING ACTIVITIES
Net income	$ 698	$ 881	$ 1,151
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	49	89	60
Benefit for deferred income taxes	(1)	(92)	(27)
Depreciation and amortization	96	87	92
Net periodic defined benefit credit	(47)	(27)	(91)
Share-based compensation expense	54	52	60
Net amortization of securities	7	19	30
Net securities losses	19	0	0
Net gains (losses) on sales of foreclosed and other bank property	(17)	(36)	(2)
Net change in accrued income receivable	83	(65)	(152)
Net change in accrued expenses payable	(157)	348	131
Other, net	(183)	(5)	(614)
Net cash provided by operating activities	601	1,251	638
INVESTING ACTIVITIES
Maturities and redemptions of investment securities available-for-sale	2,213	2,485	2,511
Sales of investment securities available-for-sale	816	0	0
Purchases of investment securities available-for-sale	(1,332)	0	(7,470)
Net change in loans	1,514	1,265	(4,824)
Proceeds from sales of foreclosed property	22	44	3
Net increase in premises and equipment	(153)	(153)	(82)
Purchases of Federal Home Loan Bank stock	(613)	(504)	(131)
Redemptions of Federal Home Loan Bank Stock	759	325	0
Proceeds from bank-owned life insurance settlements	35	30	39
Other, net	0	2	2
Net cash provided by (used in) investing activities	3,261	3,494	(9,952)
FINANCING ACTIVITIES
Net change in deposits	(3,003)	(4,634)	(10,401)
Net change in short-term borrowings	(3,565)	354	3,211
Maturities and redemptions of medium- and long-term debt	(500)	(850)	0
Issuances and advances of medium- and long-term debt	1,000	4,000	500
Cash dividends paid on preferred stock	(23)	(23)	(23)
Repurchases of common stock	(100)	0	(36)
Stock tendered for payment of withholding taxes on common stock	(14)	(17)	(7)
Cash dividends paid on common stock	(377)	(371)	(353)
Issuances of common stock under employee stock plans	22	18	28
Other, net	0	(2)	(2)
Net cash used in financing activities	(6,560)	(1,525)	(7,083)
Net (decrease) increase in cash and cash equivalents	(2,698)	3,220	(16,397)
Cash and cash equivalents at beginning of period	9,502	6,282	22,679
Cash and cash equivalents at end of period	6,804	9,502	6,282
Interest paid	1,892	1,449	130
Income taxes paid	$ 101	$ 317	$ 277

Basis of Presentation and Accou

Basis of Presentation and Accounting Policies	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Basis of Presentation and Accounting Policies	BASIS OF PRESENTATION AND ACCOUNTING POLICIES Organization Comerica Incorporated (the Corporation) is a registered financial holding company headquartered in Dallas, Texas. The Corporation’s major business segments are the Commercial Bank, the Retail Bank and Wealth Management. For further discussion of each business segment, refer to Note 22. The Corporation and its banking subsidiaries are regulated at both the state and federal levels. The accounting and reporting policies of the Corporation conform to United States (U.S.) generally accepted accounting principles (GAAP). The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect reported amounts and disclosures. Actual results could differ from these estimates. Certain amounts in the financial statements for prior years have been reclassified to conform to the current financial statement presentation. The following summarizes the significant accounting policies of the Corporation applied in the preparation of the accompanying consolidated financial statements. Principles of Consolidation The consolidated financial statements include the accounts of the Corporation and the accounts of those subsidiaries that are majority owned and in which the Corporation has a controlling financial interest. The Corporation consolidates entities not determined to be variable interest entities (VIEs) when it holds a controlling financial interest and generally applies the cost or equity method when it holds less than a controlling financial interest. In consolidation, all significant intercompany accounts and transactions are eliminated. The results of operations of companies acquired are included from the date of acquisition. The Corporation holds investments in certain legal entities that are considered VIEs. In general, a VIE is an entity that either (1) has an insufficient amount of equity to carry out its principal activities without additional subordinated financial support, (2) has a group of equity owners that are unable to make significant decisions about its activities, or (3) has a group of equity owners that do not have the obligation to absorb their proportionate share of losses or the right to receive their proportionate share of returns generated by its operations. If any of these characteristics are present, the entity is subject to a variable interests consolidation model, and consolidation is based on variable interests, not on voting interests. Variable interests are defined as contractual ownership or other economic interests in an entity that change with fluctuations in the fair value of the entity’s net assets. The primary beneficiary is required to consolidate the VIE as it has both the power to direct the activities of the VIE that most significantly impact the entity’s economic performance and the obligation to absorb losses or the right to receive benefits that could be significant to the VIE. The maximum potential exposure to losses relative to investments in VIEs is generally limited to the sum of the outstanding book basis and unfunded commitments for future investments. The Corporation evaluates its investments in VIEs, both at inception and when there is a change in circumstances that requires reconsideration, to determine if the Corporation is the primary beneficiary and consolidation is required. The Corporation accounts for unconsolidated VIEs using either the proportional, cost or equity method. These investments comprise of investments in certain tax equity structures which generate tax credits to their investors and are included in accrued income and other assets on the Consolidated Balance Sheets. The proportional method is used for investments in tax equity structures meeting certain criteria and that qualify for tax credits such as qualified affordable housing projects and expansion into new markets. The equity method is used for other investments where the Corporation has the ability to exercise significant influence over an entity’s or its underlying project's operations and financial policies. Other unconsolidated equity investments that do not meet the criteria to be accounted for under the equity method are accounted for under the cost method. Amortization and other write-downs of proportional amortization method investments are presented on a net basis as a component of the provision for income taxes, while income, amortization and write-downs from cost and equity method investments are recorded in other noninterest income on the Consolidated Statements of Income. See Note 9 for additional information about the Corporation’s involvement with VIEs. Assets held in an agency or fiduciary capacity are not assets of the Corporation and are not included in the consolidated financial statements. Fair Value Measurements The Corporation utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The determination of fair values of financial instruments often requires the use of estimates. In cases where quoted market values in an active market are not available, the Corporation uses present value techniques and other valuation methods to estimate the fair values of its financial instruments. These valuation methods require considerable judgment and the resulting estimates of fair value can be significantly affected by the assumptions made and methods used. Fair value is an estimate of the exchange price that would be received to sell an asset or paid to transfer a liability in an orderly transaction (i.e., not a forced transaction, such as a liquidation or distressed sale) between market participants at the measurement date. Fair value is based on the assumptions market participants would use when pricing an asset or liability. Investment securities available-for-sale, derivatives, deferred compensation plans and equity securities with readily determinable fair values (primarily money market mutual funds) are recorded at fair value on a recurring basis. Additionally, from time to time, the Corporation may be required to record other assets and liabilities at fair value on a nonrecurring basis, such as impaired loans, loans held for sale, other real estate (primarily foreclosed property), nonmarketable equity securities and certain other assets and liabilities. These nonrecurring fair value adjustments typically involve write-downs of individual assets or application of lower of cost or fair value accounting. Fair value measurements and disclosures guidance establishes a three-level fair value hierarchy based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The fair value hierarchy gives the highest priority to quoted prices in active markets and the lowest priority to unobservable data. Fair value measurements are separately disclosed by level within the fair value hierarchy. For assets and liabilities recorded at fair value, it is the Corporation’s policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements. Level 1 Valuation is based on quoted prices for identical instruments traded in active markets. Level 2 Valuation is based on quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are less active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 3 Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. The Corporation generally utilizes third-party pricing services to value Level 1 and Level 2 securities. Management reviews the methodologies and assumptions used by the third-party pricing services and evaluates the values provided, principally by comparison with other available market quotes for similar instruments and/or analysis based on internal models using available third-party market data. The Corporation may occasionally adjust certain values provided by the third-party pricing service when management believes, as the result of its review, that the adjusted price most appropriately reflects the fair value of the particular security. Fair value measurements for assets and liabilities where limited or no observable market data exists are based primarily upon estimates, often calculated based on the economic and competitive environment, the characteristics of the asset or liability and other factors. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset or liability. Additionally, there may be inherent weaknesses in any calculation technique, so that changes in the underlying assumptions used, including discount rates and estimates of future cash flows, could significantly affect the results of current or future values. Following are descriptions of the valuation methodologies and key inputs used to measure financial assets and liabilities recorded at fair value, as well as a description of the methods and significant assumptions used to estimate fair value disclosures for financial instruments not recorded at fair value in their entirety on a recurring basis. The descriptions include an indication of the level of the fair value hierarchy in which the assets or liabilities are classified. Deferred compensation plan assets and liabilities as well as equity securities with a readily determinable fair value The Corporation holds a portfolio of securities that includes equity securities and assets held related to deferred compensation plans. Securities and associated deferred compensation plan liabilities are recorded at fair value on a recurring basis and included in other short-term investments and accrued expenses and other liabilities, respectively, on the Consolidated Balance Sheets. Level 1 securities include assets related to deferred compensation plans, which are invested in mutual funds, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and other securities traded on an active exchange, such as the New York Stock Exchange. Level 2 securities include municipal bonds and mortgage-backed securities issued by U.S. government-sponsored entities and corporate debt securities. Deferred compensation plan liabilities represent the fair value of the obligation to the plan participant, which corresponds to the fair value of the invested assets. The methods used to value equity securities and deferred compensation plan assets are the same as the methods used to value investment securities, discussed below. Investment securities available-for-sale Investment securities available-for-sale are recorded at fair value on a recurring basis. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by U.S. government agencies and U.S. government-sponsored entities, as well as corporate debt securities. The fair value of Level 2 securities is determined using quoted prices of securities with similar characteristics, or pricing models based on observable market data inputs, primarily interest rates, spreads and prepayment information. Securities classified as Level 3 represent securities in less liquid markets requiring significant management assumptions when determining fair value. Loans held-for-sale Loans held-for-sale, included in other short-term investments on the Consolidated Balance Sheets, are recorded at the lower of cost or fair value. Loans held-for-sale may be carried at fair value on a nonrecurring basis when fair value is less than cost. When the fair value is based on what secondary markets are currently offering for portfolios with similar characteristics, the loans are classified as Level 2. When secondary market information is not available, the fair value is estimated based on the repricing frequency of the loans and estimated credit risk using internally-developed lifetime loss estimates, resulting in the loans being classified as Level 3. Loans The Corporation does not record loans at fair value on a recurring basis. However, an individual allowance may be established for a loan that no longer shares risk characteristics with loan pools, typically collateral-dependent loans for which reserves are based on the fair value of the underlying collateral. Such loan values are reported as nonrecurring fair value measurements. Collateral values supporting individually evaluated loans are evaluated quarterly. When management determines that the fair value of the collateral requires additional adjustments, either as a result of non-current appraisal value or when there is no observable market price, the Corporation classifies the loan as Level 3. Derivative assets and derivative liabilities Derivative instruments held or issued for risk management or customer-initiated activities are traded in over-the-counter markets where quoted market prices are not readily available. Fair value for over-the-counter derivative instruments is measured on a recurring basis using internally developed models primarily based on market observable inputs, such as yield curves and option volatilities. The Corporation manages credit risk on its derivative positions based on whether the derivatives are settled through a clearinghouse or bilaterally with each counterparty. For derivative positions settled on a counterparty-by-counterparty basis, the Corporation calculates credit valuation adjustments, included in the fair value of these instruments, on the basis of its relationships at the counterparty portfolio or master netting agreement level. These credit valuation adjustments are determined by applying a credit spread for the counterparty or the Corporation, as appropriate, to the total expected exposure of the derivative after considering collateral and other master netting arrangements. These adjustments, which are considered Level 3 inputs, are based on estimates of current credit spreads to evaluate the likelihood of default. When credit valuation adjustments are significant to the overall fair value of a derivative, the Corporation classifies the over-the-counter derivative valuation in Level 3 of the fair value hierarchy; otherwise, over-the-counter derivative valuations are classified in Level 2. Other real estate Other real estate is included in accrued income and other assets on the Consolidated Balance Sheets and includes primarily foreclosed property. Foreclosed property is initially recorded at fair value, less costs to sell, at the date of legal title transfer to the Corporation, establishing a new cost basis. Subsequently, foreclosed property is carried at the lower of cost or fair value, less costs to sell. Other real estate may be carried at fair value on a nonrecurring basis when fair value is less than cost. Fair value is based upon independent market prices, appraised value or management's estimate of the value of the property. When management determines that the fair value of other real estate requires additional adjustments, either as a result of a non-current appraisal or when there is no observable market price, the Corporation classifies the other real estate as Level 3. For further information about fair value measurements refer to Note 2. Other Short-Term Investments Other short-term investments include deferred compensation plan assets, certificates of deposits, equity securities with a readily determinable fair value and loans held-for-sale. Deferred compensation plan assets and equity securities are carried at fair value. Realized and unrealized gains or losses are included in other noninterest income on the Consolidated Statements of Income. Loans held-for-sale include variable-rate demand notes, residential mortgages originated with the intent to sell and occasionally other loans transferred to held-for-sale. Loans held-for-sale are carried at the lower of cost or fair value. Fair value is determined in the aggregate for each portfolio. Changes in fair value and gains or losses upon sale are included in other noninterest income on the Consolidated Statements of Income. Investment Securities Debt securities are classified as trading, available-for-sale (AFS) or held-to-maturity. Trading securities are recorded at fair value, with unrealized gains and losses included in noninterest income on the Consolidated Statements of Income. AFS securities are recorded at fair value, with unrealized gains and losses, net of income taxes, reported as a separate component of other comprehensive income (OCI). Securities for which management has the intent and ability to hold to maturity are classified as held-to-maturity and recorded at amortized cost. Interest income is recognized using the interest method. Substantially all of the Corporation's investment securities are classified as AFS at December 31, 2024 and 2023. An AFS security is impaired if its fair value is less than amortized cost. Credit-related impairment is recognized as an allowance to investment securities available-for-sale on the Consolidated Balance Sheets with a corresponding adjustment to provision for credit losses on the Consolidated Statements of Income. Non-credit-related impairment is recognized as a component of OCI. If the Corporation intends to sell an impaired AFS security or more likely than not will be required to sell that security before recovering its amortized cost basis, the entire impairment amount is recognized in earnings with corresponding adjustment to the security's amortized cost basis. For certain types of AFS securities, such as U.S. Treasuries and other securities with government guarantees, the Corporation generally expects zero credit losses. The zero-loss expectation applies to all the Corporation’s securities and no allowance for credit losses was recorded on its AFS securities portfolio at December 31, 2024. Gains or losses on the sale of securities are computed based on the adjusted cost of the specific security sold. For further information on investment securities, refer to Note 3. Loans Loans and leases originated and held for investment are recorded at the principal balance outstanding, net of unearned income, charge-offs and unamortized deferred fees and costs. Interest income is recognized on loans and leases using the interest method. The Corporation assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof (collectively referred to as Financially Distressed Modifications or FDMs). Effective January 1, 2020, the Corporation adopted ASU No. 2020-04 "Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting," (ASU 2020-04). Typically, entities must evaluate whether a loan contract modification results in a modified loan or a new loan for accounting purposes. Topic 848 allows entities to bypass this evaluation for qualifying modifications related to reference rate reform. The Corporation applied the relief provided by Topic 848 to qualifying contract modifications transitioning away from LIBOR. After LIBOR transition was substantially complete in third quarter 2023, the Corporation no longer applied the relief guidance. Loan Origination Fees and Costs Substantially all loan origination fees and costs are deferred and amortized to net interest income over the life of the related loan or over the commitment period as a yield adjustment. Net deferred income on originated loans, including unearned income and unamortized costs, fees, premiums and discounts, totaled $92 million and $94 million at December 31, 2024 and 2023, respectively. Loan fees on unused commitments and net origination fees related to loans sold are recognized in noninterest income. Allowance for Credit Losses The allowance for credit losses includes both the allowance for loan losses and the allowance for credit losses on lending-related commitments. The Corporation disaggregates the loan portfolio into segments for purposes of determining the allowance for credit losses. These segments are based on the level at which the Corporation develops, documents and applies a systematic methodology to determine the allowance for credit losses. The Corporation's portfolio segments are business loans and retail loans. Business loans include the commercial, real estate construction, commercial mortgage, lease financing and international loan portfolios. Retail loans consist of residential mortgage and consumer loans, including home equity loans. Current expected credit losses are estimated over the contractual life of the loan portfolio, considering all available relevant information, including historical and current conditions as well as reasonable and supportable forecasts of future events. For further information on the Allowance for Credit Losses, refer to Note 4. Allowance for Loan Losses The allowance for loan losses is estimated on a quarterly basis and represents management’s estimates of current expected credit losses in the Corporation’s loan portfolio. Pools of loans with similar risk characteristics are collectively evaluated while loans that no longer share risk characteristics with loan pools are evaluated individually. Collective loss estimates are determined by applying loss factors, designed to estimate current expected credit losses, to amortized cost balances over the remaining contractual life of the collectively evaluated portfolio. Loans with similar risk characteristics are aggregated into homogeneous pools. Business loans are assigned to pools based primarily on business line and the Corporation’s internal risk rating system. For retail loans, pools are based on loan type, past due status and credit scores. Loss factors are based on an estimated probability of default for each pool, set to a default horizon based on contractual life, and loss given default. Historical estimates are calibrated to economic forecasts over the reasonable and supportable forecast period based on the projected performance of specific economic variables that statistically correlate with each of the probability of default and loss given default pools. At least annually, management considers different models when estimating credit losses, selecting ones that most reasonably forecast credit losses in the relevant economic environment. The calculation of current expected credit losses is inherently subjective, as it requires management to exercise judgment in determining appropriate factors used to determine the allowance. Some of the most significant factors in the quantitative allowance estimate are assigning internal risk ratings to loans, selecting the economic forecasts used to calibrate the reserve factors and determining the reasonable and supportable forecast period. • Internal Risk Ratings : Loss factors are dependent on loan risk ratings for business loans. Risk ratings are assigned at origination, based on inherent credit risk, and updated based on new information that becomes available, periodic reviews of credit quality, a change in borrower performance or modifications to lending agreements. • Economic Forecasts: Management selects economic variables it believes to be most relevant based on the composition of the loan portfolio and customer base, including forecasted levels of employment, gross domestic product, corporate bond and treasury spreads, industrial production levels, consumer and commercial real estate price indices as well as housing statistics. Different economic forecast scenarios ranging from more benign to more severe are evaluated each reporting period to forecast losses over the contractual life of the loan portfolio. • Forecast Period : Economic forecasts are applied over the period management believes it can estimate reasonable and supportable forecasts. Forecast periods may be adjusted in response to changes in the economic environment. To estimate losses for contractual periods that extend beyond the forecast horizon, the Corporation reverts to an average historical loss experience. The Corporation typically forecasts economic variables over a two-year horizon, followed by an immediate reversion to an average historical loss experience that generally incorporates a full economic cycle. Management reviews this methodology on at least an annual basis. The allowance for loan losses also includes qualitative adjustments to bring the allowance to the level management believes is appropriate based on factors that have not otherwise been fully accounted for, including adjustments for foresight risk, input imprecision and model imprecision. Foresight risk reflects the inherent imprecision in forecasting economic variables, including determining the depth and duration of economic cycles and their impact to relevant economic variables. The Corporation may make qualitative adjustments based on its evaluation of different forecast scenarios and known recent events impacting relevant economic variables. Input imprecision factors address the risk that certain model inputs may not reflect all available information including (i) risk factors that have not been fully addressed in internal risk ratings, (ii) changes in lending policies and procedures, (iii) changes in the level and quality of experience held by lending management, (iv) imprecision in the risk rating system and (v) limitations in data available for certain loan portfolios. Model imprecision considers known model limitations and model updates not yet fully reflected in the quantitative estimate. The determination of the appropriate qualitative adjustment is based on management's analysis of current and expected economic conditions and their impact to the portfolio, as well as internal credit risk movements and a qualitative assessment of the lending environment, including underwriting standards. Management recognizes the sensitivity of various assumptions made in the quantitative modeling of expected losses and may adjust reserves depending upon the level of uncertainty that currently exists in one or more assumptions. Credit losses for loans that no longer share risk characteristics with the loan pools are estimated on an individual basis. Individual credit loss estimates are typically performed for nonaccrual loans and are based on one of several methods, including the estimated fair value of the underlying collateral, observable market value of similar debt or the present value of expected cash flows. The Corporation considers certain loans to be collateral-dependent if the borrower is experiencing financial difficulty and management expects repayment for the loan to be substantially through the operation or sale of the collateral. For collateral-dependent loans, loss estimates are based on the fair value of collateral, less estimated cost to sell (if applicable). Collateral values supporting individually evaluated loans are assessed quarterly and appraisals are typically obtained at least annually. The total allowance for loan losses is sufficient to absorb expected credit losses over the contractual life of the portfolio. Unanticipated events impacting the economy, including political instability or global events affecting the U.S. economy, could cause changes to expectations for current conditions and economic forecasts that result in an unanticipated increase in the allowance. Significant increases in current portfolio exposures or changes in credit characteristics could also increase the amount of the allowance. Such events, or others of similar nature, may result in the need for additional provision for credit losses in order to maintain an allowance that complies with credit risk and accounting policies. Loans deemed uncollectible are charged off and deducted from the allowance. Recoveries on loans previously charged off are added to the allowance. Credit losses are not estimated for accrued interest receivable as interest that is deemed uncollectible is written off through interest income. Allowance for Credit Losses on Lending-Related Commitments The allowance for credit losses on lending-related commitments estimates current expected credit losses on collective pools of letters of credit and unused commitments to extend credit based on reserve factors, determined in a manner similar to business loans, multiplied by a probability of draw estimate, based on historical experience and credit risk, applied to commitment amounts. The allowance for credit losses on lending-related commitments is included in accrued expenses and other liabilities on the Consolidated Balance Sheets, with the corresponding charge included in the provision for credit losses on the Consolidated Statements of Comprehensive Income. Nonperforming Assets Nonperforming assets consist of nonaccrual loans and foreclosed property. A loan is considered past due when the contractually required principal or interest payment is not received by the specified due date or, for certain loans, when a scheduled monthly payment is past due and unpaid for 30 days or more. Business loans are generally placed on nonaccrual status when management determines full collection of principal or interest is unlikely or when principal or interest payments are 90 days past due, unless the loan is fully collateralized and in the process of collection. The past-due status of a business loan is one of many indicative factors considered in determining the collectability of the credit. The primary driver of when the principal amount of a business loan should be fully or partially charged-off is based on a qualitative assessment of the recoverability of the principal amount from collateral and other cash flow sources. Residential mortgage and home equity loans are generally placed on nonaccrual status once they become 90 days past due and are charged off to current appraised values less costs to sell no later than 180 days past due. In addition, junior lien home equity loans less than 90 days past due are placed on nonaccrual status if they have underlying risk characteristics that place full collection of the loan in doubt, such as when the related senior lien position is identified as seriously delinquent. Residential mortgage and consumer loans in bankruptcy for which the court has discharged the borrower's obligation and the borrower has not reaffirmed the debt are placed on nonaccrual status and written down to estimated collateral value, without regard to the actual payment status of the loan. All other consumer loans are generally placed on nonaccrual status at 90 days past due and are charged off at no later than 120 days past due, or earlier if deemed uncollectible. At the time a loan is placed on nonaccrual status, interest previously accrued but not collected is charged against current income. Principal and interest payments received on such loans are generally first applied as a reduction of principal. Income on nonaccrual loans is then recognized only to the extent that cash is received after principal has been fully repaid or future collection of principal is probable. Generally, a loan may be returned to accrual status when all delinquent principal and interest have been received and the Corporation expects repayment of the remaining contractual principal and interest, or when the loan or debt security is both well secured and in the process of collection. Foreclosed property (primarily real estate) is initially recorded at fair value, less costs to sell, at the date of legal title transfer to the Corporation and subsequently carried at the lower of cost or fair value, less estimated costs to sell. Loans are reclassified to foreclosed property upon obtaining legal title to the collateral. Independent appraisals are obtained to substantiate the fair value of foreclosed property at the time of foreclosure and updated at least annually or up

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Fair Value Measurements	FAIR VALUE MEASUREMENTS Note 1 contains information about the fair value hierarchy, descriptions of the valuation methodologies and key inputs used to measure financial assets and liabilities recorded at fair value, as well as a description of the methods and significant assumptions used to estimate fair value disclosures for financial instruments not recorded at fair value in their entirety on a recurring basis. Assets and Liabilities Recorded at Fair Value on a Recurring Basis The following tables present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of December 31, 2024 and 2023. (in millions) Total Level 1 Level 2 Level 3 December 31, 2024 Deferred compensation plan assets $ 89 $ 89 $ — $ — Equity securities 46 46 — — Investment securities available-for-sale: U.S. Treasury securities 1,277 1,277 — — Residential mortgage-backed securities (a) 9,076 — 9,076 — Commercial mortgage-backed securities (a) 4,692 — 4,692 — Total investment securities available-for-sale 15,045 1,277 13,768 — Derivative assets: Interest rate contracts 177 — 177 — Energy contracts 416 — 416 — Foreign exchange contracts 73 — 73 — Total derivative assets 666 — 666 — Total assets at fair value $ 15,846 $ 1,412 $ 14,434 $ — Derivative liabilities: Interest rate contracts $ 335 $ — $ 335 $ — Energy contracts 400 — 400 — Foreign exchange contracts 59 — 59 — Other financial derivative liabilities 6 — — 6 Total derivative liabilities 800 — 794 6 Deferred compensation plan liabilities 91 91 — — Total liabilities at fair value $ 891 $ 91 $ 794 $ 6 December 31, 2023 Deferred compensation plan assets $ 104 $ 104 $ — $ — Equity securities 39 39 — — Investment securities available-for-sale: U.S. Treasury securities 1,605 1,605 — — Residential mortgage-backed securities (a) 10,519 — 10,519 — Commercial mortgage-backed securities (a) 4,745 — 4,745 — Total investment securities available-for-sale 16,869 1,605 15,264 — Derivative assets: Interest rate contracts 225 — 225 — Energy contracts 758 — 758 — Foreign exchange contracts 36 — 36 — Total derivative assets 1,019 — 1,019 — Total assets at fair value $ 18,031 $ 1,748 $ 16,283 $ — Derivative liabilities: Interest rate contracts $ 435 $ — $ 435 $ — Energy contracts 736 — 736 — Foreign exchange contracts 35 — 35 — Other financial derivative liabilities 12 — — 12 Total derivative liabilities 1,218 — 1,206 12 Deferred compensation plan liabilities 104 104 — — Total liabilities at fair value $ 1,322 $ 104 $ 1,206 $ 12 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises. There were no transfers of assets or liabilities recorded at fair value on a recurring basis into or out of Level 3 fair value measurements during the years ended December 31, 2024 and 2023. The following table summarizes the changes in Level 3 assets and liabilities measured at fair value on a recurring basis for the years ended December 31, 2024 and 2023. Net Realized/Unrealized Gains (Pretax) Recorded in Earnings (a) Balance at Beginning of Period Balance at End of Period (in millions) Realized Unrealized Year Ended December 31, 2024 Derivative liabilities: Other financial derivative liabilities $ (12) $ 6 $ — $ (6) Year Ended December 31, 2023 Derivative liabilities: Other financial derivative liabilities $ (12) $ — $ — $ (12) (a) Realized and unrealized gains and losses due to changes in fair value recorded in other noninterest income on the Consolidated Statements of Income. Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis The Corporation may be required to record certain assets and liabilities at fair value on a nonrecurring basis. These include assets that are recorded at the lower of cost or fair value, and were recognized at fair value since it was less than cost at the end of the period. The following table presents assets recorded at fair value on a nonrecurring basis at December 31, 2024 and 2023. No liabilities were recorded at fair value on a nonrecurring basis at December 31, 2024 and 2023. (in millions) Level 3 December 31, 2024 Loans: Commercial $ 69 Commercial mortgage 86 Residential mortgage 3 Total loans 158 Loans held-for-sale 216 Other real estate 3 Total assets at fair value $ 377 December 31, 2023 Loans: Commercial $ 12 Commercial mortgage 16 International 16 Total loans 44 Loans held-for-sale 231 Other real estate 5 Total assets at fair value $ 280 Level 3 assets recorded at fair value on a nonrecurring basis at December 31, 2024 and December 31, 2023 included loans with a specific allowance and certain bank property held for sale, both measured based on the fair value of collateral. The unobservable inputs were the additional adjustments applied by management to the appraised values to reflect such factors as non-current appraisals and revisions to estimated time to sell. These adjustments are determined based on qualitative judgments made by management on a case-by-case basis and are not observable inputs, although they are used in the determination of fair value. At December 31, 2024 and December 31, 2023, loans held-for-sale classified as Level 3 represented loans held-for-sale in less liquid markets requiring significant management assumptions when determining fair value. Estimated Fair Values of Financial Instruments Not Recorded at Fair Value on a Recurring Basis The Corporation typically holds the majority of its financial instruments until maturity and thus does not expect to realize many of the estimated fair value amounts disclosed. The disclosures do not include estimated fair value amounts for items that are not defined as financial instruments, but which have significant value. These include such items as core deposit intangibles, the future earnings potential of significant customer relationships and the value of trust operations and other fee generating businesses. The Corporation believes the imprecision of an estimate could be significant. The disclosures also do not include a limited amount of nonmarketable equity securities (primarily indirect private equity and venture capital investments) that do not have a readily determinable fair value and whose fair values are based on net asset value. The carrying amount and estimated fair value of financial instruments not recorded at fair value in their entirety on a recurring basis on the Corporation’s Consolidated Balance Sheets are as follows: Carrying Estimated Fair Value (in millions) Total Level 1 Level 2 Level 3 December 31, 2024 Assets Cash and due from banks $ 850 $ 850 $ 850 $ — $ — Interest-bearing deposits with banks 5,954 5,954 5,954 — — Other short-term investments 21 21 21 — — Total loans, net of allowance for loan losses (a) 49,849 49,436 — — 49,436 Liabilities Demand deposits 59,277 59,277 — 59,277 — Time deposits 4,534 4,555 — 4,555 — Total deposits 63,811 63,832 — 63,832 — Medium- and long-term debt 6,673 6,780 — 6,780 — Credit-related financial instruments (64) (64) — — (64) December 31, 2023 Assets Cash and due from banks $ 1,443 $ 1,443 $ 1,443 $ — $ — Interest-bearing deposits with banks 8,059 8,059 8,059 — — Other short-term investments 24 24 24 — — Total loans, net of allowance for loan losses (a) 51,425 50,633 — — 50,633 Liabilities Demand deposits 58,476 58,476 — 58,476 — Time deposits 8,286 8,391 — 8,391 — Total deposits 66,762 66,867 — 66,867 — Short-term borrowings 3,565 3,565 3,565 — — Medium- and long-term debt 6,206 6,207 — 6,207 — Credit-related financial instruments (72) (72) — — (72) (a) Included $158 million and $44 million of loans recorded at fair value on a nonrecurring basis at December 31, 2024 and 2023, respectively.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Investment Securities	INVESTMENT SECURITIES A summary of the Corporation’s investment securities follows: (in millions) Amortized Gross Gross Fair Value December 31, 2024 Investment securities available-for-sale: U.S. Treasury securities $ 1,277 $ 1 $ 1 $ 1,277 Residential mortgage-backed securities (a) 11,380 — 2,304 9,076 Commercial mortgage-backed securities (a) 5,261 — 569 4,692 Total investment securities available-for-sale $ 17,918 $ 1 $ 2,874 $ 15,045 December 31, 2023 Investment securities available-for-sale: U.S. Treasury securities $ 1,681 $ — $ 76 $ 1,605 Residential mortgage-backed securities (a) 12,607 — 2,088 10,519 Commercial mortgage-backed securities (a) 5,253 — 508 4,745 Total investment securities available-for-sale $ 19,541 $ — $ 2,672 $ 16,869 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises. A summary of the Corporation’s investment securities in an unrealized loss position as of December 31, 2024 and 2023 follows: Less than 12 Months 12 Months or more Total (in millions, except securities count) Fair Unrealized Fair Unrealized Fair Unrealized Count December 31, 2024 U.S. Treasury securities $ 438 $ — $ 25 $ 1 $ 463 $ 1 7 Residential mortgage-backed securities (a) — — 9,074 2,304 9,074 2,304 913 Commercial mortgage-backed securities (a) 14 — 4,678 569 4,692 569 252 Total temporarily impaired securities $ 452 $ — $ 13,777 $ 2,874 $ 14,229 $ 2,874 1,172 December 31, 2023 U.S. Treasury securities $ — $ — $ 1,605 $ 76 $ 1,605 $ 76 19 Residential mortgage-backed securities (a) 10 — 10,507 2,088 10,517 2,088 978 Commercial mortgage-backed securities (a) — — 4,745 508 4,745 508 253 Total temporarily impaired securities $ 10 $ — $ 16,857 $ 2,672 $ 16,867 $ 2,672 1,250 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises. Unrealized losses on investment securities resulted from changes in market interest rates. The Corporation’s portfolio is comprised of securities issued or guaranteed by the U.S. government agencies or government-sponsored enterprises. As such, it is expected that the securities would not be settled at a price less than the amortized cost of the investments. Further, the Corporation does not intend to sell the investments, and it is not more-likely-than-not that it will be required to sell the investments before recovery of amortized costs. No allowance for credit losses was recorded on securities in an unrealized loss position at December 31, 2024 or December 31, 2023. Interest receivable on investment securities totaled $38 million and $40 million at December 31, 2024 and 2023, respectively, and was included in accrued income and other assets on the Consolidated Balance Sheets. The investment securities portfolio included floating-rate securities with a fair value of $3 million and $4 million at December 31, 2024 and 2023, respectively. During the year ended December 31, 2024, the Corporation repositioned a portion of its securities portfolio by selling $827 million of U.S. Treasury securities, resulting in a $19 million loss (reported as "net losses on debt securities" on the Consolidated Statements of Income), replacing them with higher-yielding U.S. Treasury securities. There were no sales, calls or write-downs of investment securities available-for-sale for the years ended December 31, 2023 or 2022. The following table summarizes the amortized cost and fair values of investment securities by contractual maturity. Securities with multiple maturity dates are classified in the period of final maturity. The actual cash flows of mortgage-backed securities may differ as borrowers of the underlying loans may exercise prepayment options. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. (in millions) December 31, 2024 Amortized Cost Fair Value Contractual maturity Within one year $ 306 $ 306 After one year through five years 1,312 1,292 After five years through ten years 5,119 4,564 After ten years 11,181 8,883 Total investment securities $ 17,918 $ 15,045 At December 31, 2024, investment securities with a carrying value of $7.0 billion were pledged where permitted or required by law. Pledges included $6.0 billion to the Federal Home Loan Bank (FHLB) as collateral for current advances and potential future borrowings as well as $1.0 billion to secure $357 million of liabilities, consisting of trust deposits, deposits of public entities and state and local government agencies as well as derivative instruments. For information on FHLB borrowings, refer to Note 12.

Credit Quality And Allowance Fo

Credit Quality And Allowance For Credit Losses	12 Months Ended
	Dec. 31, 2024
Credit Quality And Allowance For Credit Losses [Abstract]
Credit Quality And Allowance For Credit Losses	CREDIT QUALITY AND ALLOWANCE FOR CREDIT LOSSES The following table presents an aging analysis of the amortized cost basis of loans. Loans Past Due and Still Accruing (in millions) 30-59 60-89 90 Days Total Nonaccrual Current Loans Total December 31, 2024 Business loans: Commercial $ 50 $ 16 $ 13 $ 79 $ 125 $ 26,288 $ 26,492 Real estate construction: Commercial Real Estate business line (a) — — — — — 3,358 3,358 Other business lines (b) — — — — — 322 322 Total real estate construction — — — — — 3,680 3,680 Commercial mortgage: Commercial Real Estate business line (a) 75 8 — 83 49 5,912 6,044 Other business lines (b) 11 7 31 49 69 8,331 8,449 Total commercial mortgage 86 15 31 132 118 14,243 14,493 Lease financing 12 — — 12 1 709 722 International — — — — — 952 952 Total business loans 148 31 44 223 244 45,872 46,339 Retail loans: Residential mortgage 5 5 — 10 37 1,882 1,929 Consumer: Home equity 11 3 — 14 27 1,761 1,802 Other consumer 16 — — 16 — 453 469 Total consumer 27 3 — 30 27 2,214 2,271 Total retail loans 32 8 — 40 64 4,096 4,200 Total loans $ 180 $ 39 $ 44 $ 263 $ 308 $ 49,968 $ 50,539 December 31, 2023 Business loans: Commercial $ 48 $ 14 $ 10 $ 72 $ 75 $ 27,104 $ 27,251 Real estate construction: Commercial Real Estate business line (a) — — — — — 4,570 4,570 Other business lines (b) 3 — — 3 2 508 513 Total real estate construction 3 — — 3 2 5,078 5,083 Commercial mortgage: Commercial Real Estate business line (a) 5 — — 5 18 4,704 4,727 Other business lines (b) 49 12 9 70 23 8,866 8,959 Total commercial mortgage 54 12 9 75 41 13,570 13,686 Lease financing 4 — — 4 — 803 807 International — — 1 1 20 1,081 1,102 Total business loans 109 26 20 155 138 47,636 47,929 Retail loans: Residential mortgage 10 6 — 16 19 1,854 1,889 Consumer: Home equity 11 5 — 16 21 1,755 1,792 Other consumer 31 — — 31 — 472 503 Total consumer 42 5 — 47 21 2,227 2,295 Total retail loans 52 11 — 63 40 4,081 4,184 Total loans $ 161 $ 37 $ 20 $ 218 $ 178 $ 51,717 $ 52,113 (a) Primarily loans to real estate developers. (b) Primarily loans secured by owner-occupied real estate. The following table presents loans by credit quality indicator and vintage year. Credit quality indicator is based on internal risk ratings assigned to each business loan at the time of approval and subjected to subsequent reviews, generally at least annually, and to pools of retail loans with similar risk characteristics. Vintage year is the year of origination or major modification. December 31, 2024 Vintage Year (in millions) 2024 2023 2022 2021 2020 Prior Revolvers Revolvers Converted to Term Total Business loans: Commercial: Pass (a) $ 3,313 (b) $ 2,129 (b) $ 1,856 (b) $ 1,127 $ 358 $ 1,192 $ 15,173 $ 15 $ 25,163 Criticized (b) 90 160 179 185 33 59 621 2 1,329 Total commercial 3,403 2,289 2,035 1,312 391 1,251 15,794 17 26,492 Commercial gross charge-offs 1 1 9 29 9 12 10 1 72 Real estate construction Pass (a) 137 703 1,987 550 19 23 223 — 3,642 Criticized (b) — — 36 — — 2 — — 38 Total real estate construction 137 703 2,023 550 19 25 223 — 3,680 Commercial mortgage Pass (a) 1,423 1,574 3,339 2,576 1,301 2,414 793 — 13,420 Criticized (b) 105 187 350 102 111 208 10 — 1,073 Total commercial mortgage 1,528 1,761 3,689 2,678 1,412 2,622 803 — 14,493 Commercial mortgage gross charge-offs — — 11 — — 5 — — 16 Lease financing Pass (a) 262 226 38 80 30 80 — — 716 Criticized (b) 3 1 1 — — 1 — — 6 Total lease financing 265 227 39 80 30 81 — — 722 Lease financing gross charge-offs 1 — 3 — — — — — 4 International Pass (a) 237 112 142 60 19 27 347 — 944 Criticized (b) 7 — — — — — 1 — 8 Total international 244 112 142 60 19 27 348 — 952 International gross charge-offs 1 — — — — — — — 1 Total business loans 5,577 5,092 7,928 4,680 1,871 4,006 17,168 17 46,339 Retail loans: Residential mortgage Pass (a) 181 236 274 349 415 434 — — 1,889 Criticized (b) 5 1 4 2 4 24 — — 40 Total residential mortgage 186 237 278 351 419 458 — — 1,929 Consumer: Home equity Pass (a) — — — — — 5 1,681 82 1,768 Criticized (b) — — — — — — 28 6 34 Total home equity — — — — — 5 1,709 88 1,802 Other consumer Pass (a) 30 10 28 7 6 41 345 — 467 Criticized (b) — — 2 — — — — — 2 Total other consumer 30 10 30 7 6 41 345 — 469 Other consumer gross charge-offs 1 — — — — 1 — — 2 Total consumer 30 10 30 7 6 46 2,054 88 2,271 Total retail loans 216 247 308 358 425 504 2,054 88 4,200 Total loans $ 5,793 $ 5,339 $ 8,236 $ 5,038 $ 2,296 $ 4,510 $ 19,222 $ 105 $ 50,539 Table continues on the following page. December 31, 2023 Vintage Year 2023 2022 2021 2020 2019 Prior Revolvers Revolvers Converted to Term Total Business loans: Commercial: Pass (a) $ 3,105 (b) $ 3,013 (b) $ 2,072 $ 593 $ 610 $ 1,033 $ 15,394 $ 13 $ 25,833 Criticized (b) 85 169 226 42 59 75 760 2 1,418 Total commercial 3,190 3,182 2,298 635 669 1,108 16,154 15 27,251 Commercial gross charge-offs 1 11 2 1 11 12 3 1 42 Real estate construction: Pass (a) 503 2,205 1,581 329 43 36 288 — 4,985 Criticized (b) 2 53 34 2 7 — — — 98 Total real estate construction 505 2,258 1,615 331 50 36 288 — 5,083 Commercial mortgage: Pass (a) 1,680 3,129 2,173 1,786 981 2,271 893 — 12,913 Criticized (b) 15 232 99 34 248 141 4 — 773 Total commercial mortgage 1,695 3,361 2,272 1,820 1,229 2,412 897 — 13,686 Commercial mortgage gross charge-offs — — — — 3 1 — — 4 Lease financing Pass (a) 173 319 110 47 34 94 — — 777 Criticized (b) 5 8 3 3 7 4 — — 30 Total lease financing 178 327 113 50 41 98 — — 807 International Pass (a) 286 168 89 35 76 2 415 — 1,071 Criticized (b) 15 2 7 — — 6 1 — 31 Total international 301 170 96 35 76 8 416 — 1,102 International gross charge-offs 12 — — — — 1 — — 13 Total business loans 5,869 9,298 6,394 2,871 2,065 3,662 17,755 15 47,929 Retail loans: Residential mortgage Pass (a) 254 296 373 450 131 360 — — 1,864 Criticized (b) 2 — 1 — — 22 — — 25 Total residential mortgage 256 296 374 450 131 382 — — 1,889 Consumer: Home equity Pass (a) — — — — — 8 1,695 59 1,762 Criticized (b) — — — — — — 28 2 30 Total home equity — — — — — 8 1,723 61 1,792 Home equity gross charge-offs — — — — — — 2 — 2 Other consumer Pass (a) 23 38 22 8 4 46 362 — 503 Total other consumer 23 38 22 8 4 46 362 — 503 Other consumer gross charge-offs — — — — 1 — — — 1 Total consumer 23 38 22 8 4 54 2,085 61 2,295 Total retail loans 279 334 396 458 135 436 2,085 61 4,184 Total loans $ 6,148 $ 9,632 $ 6,790 $ 3,329 $ 2,200 $ 4,098 $ 19,840 $ 76 $ 52,113 (a) Includes all loans not included in the categories of special mention, substandard or nonaccrual. (b) Includes loans with an internal rating of special mention, substandard loans for which the accrual of interest has not been discontinued and nonaccrual loans. Special mention loans have potential credit weaknesses that deserve management’s close attention, such as loans to borrowers who may be experiencing financial difficulties that may result in deterioration of repayment prospects from the borrower at some future date. Accruing substandard loans have a well-defined weakness, or weaknesses, such as loans to borrowers who may be experiencing losses from operations or inadequate liquidity of a degree and duration that jeopardizes the orderly repayment of the loan. Substandard loans are also distinguished by the distinct possibility of loss in the future if these weaknesses are not corrected. Nonaccrual loans are loans for which the accrual of interest has been discontinued. For further information regarding nonaccrual loans, refer to the Nonperforming Assets subheading in Note 1 - Basis of Presentation and Accounting Policies. These categories are generally consistent with the "special mention" and "substandard" categories as defined by regulatory authorities. A minority of nonaccrual loans are consistent with the "doubtful" category. Loan interest receivable totaled $266 million and $313 million at December 31, 2024 and 2023, respectively, and was included in accrued income and other assets on the Consolidated Balance Sheets. Allowance for Credit Losses The following table details the changes in the allowance for credit losses. 2024 2023 2022 (in millions) Business Loans Retail Loans Total Business Loans Retail Loans Total Business Loans Retail Loans Total Years Ended December 31, Balance at beginning of period: Allowance for loan losses $ 620 $ 68 $ 688 $ 541 $ 69 $ 610 $ 531 $ 57 $ 588 Allowance for credit losses on lending-related commitments 31 9 40 40 11 51 24 6 30 Allowance for credit losses 651 77 728 581 80 661 555 63 618 Loan charge-offs (93) (2) (95) (59) (3) (62) (65) (3) (68) Recoveries on loans previously charged-off 41 2 43 38 2 40 47 4 51 Net loan (charge-offs) recoveries (52) — (52) (21) (1) (22) (18) 1 (17) Provision for credit losses: Provision for loan losses 57 (3) 54 100 — 100 28 11 39 Provision for credit losses on lending-related commitments (3) (2) (5) (9) (2) (11) 16 5 21 Provision for credit losses 54 (5) 49 91 (2) 89 44 16 60 Balance at end of period: Allowance for loan losses 625 65 690 620 68 688 541 69 610 Allowance for credit losses on lending-related commitments 28 7 35 31 9 40 40 11 51 Allowance for credit losses $ 653 $ 72 $ 725 $ 651 $ 77 $ 728 $ 581 $ 80 $ 661 Allowance for loan losses as a percentage of total loans 1.35 % 1.55 % 1.37 % 1.29 % 1.63 % 1.32 % 1.10 % 1.67 % 1.14 % Allowance for credit losses as a percentage of total loans 1.41 1.73 1.44 1.36 1.85 1.40 1.18 1.96 1.24 Nonaccrual Loans The following table presents additional information regarding nonaccrual loans. Interest income of $16 million, $9 million and $12 million was recognized on nonaccrual loans for the years ended December 31, 2024, 2023 and 2022, respectively. (in millions) Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total December 31, 2024 Business loans: Commercial $ 9 $ 116 $ 125 Commercial mortgage: Commercial Real Estate business line (b) — 49 49 Other business lines (a) 7 62 69 Total commercial mortgage 7 111 118 Lease financing — 1 1 Total business loans 16 228 244 Retail loans: Residential mortgage 37 — 37 Consumer: Home equity 27 — 27 Total consumer 27 — 27 Total retail loans 64 — 64 Total nonaccrual loans $ 80 $ 228 $ 308 December 31, 2023 Business loans: Commercial $ 47 $ 28 $ 75 Real estate construction: Other business lines (a) 2 — 2 Commercial mortgage: Commercial Real Estate business line (b) — 18 18 Other business lines (a) 17 6 23 Total commercial mortgage 17 24 41 International 3 17 20 Total business loans 69 69 138 Retail loans: Residential mortgage 19 — 19 Consumer: Home equity 21 — 21 Total consumer 21 — 21 Total retail loans 40 — 40 Total nonaccrual loans $ 109 $ 69 $ 178 (a) Primarily loans secured by owner-occupied real estate. (b) Primarily loans to real estate developers. Foreclosed Properties Foreclosed properties were insignificant at December 31, 2024 and December 31, 2023. Retail loans secured by residential real estate properties in process of foreclosure included in nonaccrual loans were $4 million at December 31, 2024 and insignificant at December 31, 2023. Loan Modifications Made to Borrowers Experiencing Financial Difficulty The following table displays the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty that were restructured, by type of modification. (in millions) Term Extension (a) Payment Delay (a) Interest Rate Reduction Combinations (b) Total Percent of Total Class Year Ended December 31, 2024 Business loans: Commercial $ 199 $ — $ — $ 28 $ 227 0.86 % Commercial mortgage: Other business lines (c) 40 — — — 40 0.47 Total commercial mortgage 40 — — — 40 0.27 International 1 — — 4 5 0.54 Total business loans 240 — — 32 272 0.59 Retail loans: Residential mortgage 5 — — — 5 0.26 Consumer: Home equity — 3 5 2 10 0.58 Total consumer — 3 5 2 10 0.46 Total retail loans 5 3 5 2 15 0.37 Total loans $ 245 $ 3 $ 5 $ 34 $ 287 0.57 % Year Ended December 31, 2023 Business loans: Commercial $ 92 $ 20 $ 10 $ 2 $ 124 0.46 % Real estate construction: Other business lines (c) 10 — — — 10 1.92 Total real estate construction 10 — — — 10 0.19 Commercial mortgage: Other business lines (c) 15 — — 10 25 0.28 Total commercial mortgage 15 — — 10 25 0.18 Total business loans 117 20 10 12 159 0.33 Retail loans: Consumer: Home equity 1 — 1 1 3 0.16 Total consumer 1 — 1 1 3 0.13 Total retail loans 1 — 1 1 3 0.07 Total loans $ 118 $ 20 $ 11 $ 13 $ 162 0.31 % (a) Represents loan balances where terms were extended or payments were delayed by a more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. See Note 1 to the co nsolidated financial statements for further information. (b) Relates to FDMs where more than one type of modification was made. For the year ended December 31, 2024 , this primarily related to modifications where the payment was delayed and the term was extended. For the year ended December 31, 2023 , this primarily related to modifications where the interest was reduced and the term was extended. (c) Primarily loans secured by owner-occupied real estate. There was no commitment to lend additional funds to borrowers experiencing financial difficulty whose terms had been restructured at December 31, 2024 and December 31, 2023. The following table summarizes the financial impacts of loan modifications made to specific loans. Weighted-Average Term Extension Weighted-Average Interest Rate Reduction Year Ended December 31, 2024 Business loans: Commercial 12.7 (1.21) % Commercial mortgage: Other business lines (a) 14.1 — Total commercial mortgage 14.1 — International 46.1 — Total business loans 13.6 (1.21) Retail loans: Residential mortgage 95.1 — Consumer: Home equity 117.0 (3.97) Total consumer 117.0 (3.97) Total retail loans 102.2 (3.97) Total loans 15.9 (2.20) Year Ended December 31, 2023 Business loans: Commercial 10.4 (2.01) % Real estate construction: Other business lines (a) 9.3 — Total real estate construction 9.3 — Commercial mortgage: Other business lines (a) 17.6 (0.68) Total commercial mortgage 17.6 (0.68) Total business loans 11.7 (1.35) Retail loans: Consumer: Home equity 145.4 (3.01) Total consumer 145.4 (3.01) Total retail loans 145.4 (3.01) Total loans 13.1 (1.49) % (a) Primarily loans secured by owner-occupied real estate. During the year ended December 31, 2024 , mo difications to borrowers experiencing financial difficulty included restructurings with other-than-insignificant payment delays of $4 million in the Commercial category, $2 million in the International category and $3 million in the Home Equity category, compared to $6 million in the Commercial category at December 31, 2023 . On an ongoing basis, the Corporation monitors the performance of modified loans related to their restructured terms. Of the loans restructured during the year, $10 million were past due at December 31, 2024 compared to all being current at December 31, 2023. Nonperforming restructured loans are classified as nonaccrual loans and are individually evaluated in the allowance for loan losses. For restructured loans, a subsequent payment default is defined in terms of delinquency, when a principal or interest payment is 90 days past due or classified into nonaccrual status during the reporting period. Of the loans restructured during the 12 month period ended December 31, 2024, there were $13 million of Commercial loans that subsequently defaulted. There were no subsequent defaults as of December 31, 2023 of loans restructured during that 12 month period.

Significant Group Concentration

Significant Group Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2024
Significant Group Concentrations of Credit Risk [Abstract]
Significant Group Concentrations of Credit Risk	SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Concentrations of credit risk may exist when a number of borrowers are engaged in similar activities, or activities in the same geographic region, and have similar economic characteristics that would cause them to be similarly impacted by changes in economic or other conditions. Concentrations of both on-balance sheet and off-balance sheet credit risk are controlled and monitored as part of credit policies. The Corporation is a regional financial services holding company with a geographic concentration of its on-balance-sheet and off-balance-sheet activities in five primary geographic markets - Texas, California, Michigan, Arizona and Florida - and secondarily in several mountain, southeastern and other states, and in Canada and Mexico. At December 31, 2024, the Corporation's concentration of credit risk with the commercial real estate industry, which includes a portfolio of real estate construction and commercial mortgage loans, represented 36 percent of total loans. The following table summarizes the Corporation's commercial real estate loan portfolio by loan category. (in millions) December 31 2024 2023 Real estate construction loans: Commercial Real Estate business line (a) $ 3,358 $ 4,570 Other business lines (b) 322 513 Total real estate construction loans 3,680 5,083 Commercial mortgage loans: Commercial Real Estate business line (a) 6,044 4,727 Other business lines (b) 8,449 8,959 Total commercial mortgage loans 14,493 13,686 Total commercial real estate loans $ 18,173 $ 18,769 Total unused commitments on commercial real estate loans $ 3,130 $ 4,382 (a) Primarily loans to real estate developers. (b) Primarily loans secured by owner-occupied real estate. The Corporation also has a concentration of credit risk with the automotive industry, which represented 12 percent of total loans at December 31, 2024. Outstanding loans, included in commercial loans on the Consolidated Balance Sheets, and total exposure (outstanding loans, unused commitments and standby letters of credit) to companies related to the automotive industry were as follows: (in millions) December 31 2024 2023 Automotive loans: Production $ 764 $ 848 Dealer 5,513 6,191 Total automotive loans $ 6,277 $ 7,039 Total automotive exposure: Production $ 1,661 $ 1,744 Dealer 8,675 10,418 Total automotive exposure $ 10,336 $ 12,162

Premises and Equipment (Notes)

Premises and Equipment (Notes)	12 Months Ended
	Dec. 31, 2024
Premises and Equipments [Abstract]
Premises and Equipment	PREMISES AND EQUIPMENT A summary of premises and equipment by major category follows: (in millions) December 31 2024 2023 Land $ 78 $ 81 Buildings and improvements 804 768 Furniture and equipment 476 536 Total cost 1,358 1,385 Less: Accumulated depreciation and amortization (885) (940) Net book value $ 473 $ 445 The Corporation conducts a portion of its business from leased facilities and leases certain equipment. Refer to Note 25 for more information on leased facilities and equipment. Other assets included unamortized capitalized software costs of $137 million and $106 million at December 31, 2024 and 2023, respectively. Noninterest expenses included software amortization expense of $28 million, $26 million and $25 million for the years ending December 31, 2024, 2023 and 2022, respectively.

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Core Deposit Intangibles	GOODWILL AND INTANGIBLES The following table summarizes the carrying value of goodwill by reporting unit for the years ended December 31, 2024 and 2023. (in millions) December 31 2024 2023 Commercial Bank $ 473 $ 473 Retail Bank 101 101 Wealth Management 61 61 Total $ 635 $ 635 The Corporation performs its annual evaluation of goodwill impairment in the third quarter of each year and may elect to perform a quantitative impairment analysis or first conduct a qualitative analysis to determine if a quantitative analysis is necessary. In addition, the Corporation evaluates goodwill impairment on an interim basis if events or changes in circumstances between annual tests indicate additional testing may be warranted to determine if goodwill might be impaired. In 2024 and 2023, the annual test of goodwill impairment was performed as of the beginning of the third quarter. In the 2024 period, a qualitative assessment resulted in the Corporation determining goodwill was not impaired, as it was more likely than not that the fair value of each reporting unit exceeded its carrying value. In the 2023 period, a quantitative assessment resulted in the Corporation determining that goodwill was not impaired, as the estimated fair value of the reporting units were each greater than their respective carrying values.

Derivative And Credit-Related F

Derivative And Credit-Related Financial Instruments	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	DERIVATIVE AND CREDIT-RELATED FINANCIAL INSTRUMENTS In the normal course of business, the Corporation enters into various transactions involving derivative and credit-related financial instruments to manage exposure to fluctuations in interest rate, foreign currency and other market risks and to meet the financing needs of customers (customer-initiated derivatives). These financial instruments involve, to varying degrees, elements of market and credit risk. Market and credit risk are included in the determination of fair value. Market risk is the potential loss that may result from movements in interest rates, foreign currency exchange rates or energy commodity prices that cause an unfavorable change in the value of a financial instrument. The Corporation manages this risk by establishing monetary exposure limits and monitoring compliance with those limits. Market risk inherent in interest rate and energy contracts entered into on behalf of customers is mitigated by taking offsetting positions, except in those circumstances when the amount, tenor and/or contract rate level results in negligible economic risk, whereby the cost of purchasing an offsetting contract is not economically justifiable. The Corporation mitigates most of the inherent market risk in foreign exchange contracts entered into on behalf of customers by taking offsetting positions and manages the remainder through individual foreign currency position limits and aggregate value-at-risk limits. Position and value-at-risk limits are established annually and monitored daily. Market risk inherent in derivative instruments held or issued for risk management purposes is typically offset by changes in the fair value of the assets or liabilities being hedged. Credit risk is the possible loss that may occur in the event of nonperformance by the counterparty to a financial instrument. The Corporation attempts to minimize credit risk arising from customer-initiated derivatives by evaluating the creditworthiness of each customer, adhering to the same credit approval process used for traditional lending activities and obtaining collateral as deemed necessary. Derivatives with dealer counterparties are either cleared through a clearinghouse or settled directly with a single counterparty. For derivatives settled directly with dealer counterparties, the Corporation utilizes counterparty risk limits and monitoring procedures as well as master netting arrangements and bilateral collateral agreements to facilitate the management of credit risk. Included in the fair value of derivative instruments are credit valuation adjustments reflecting counterparty credit risk. These adjustments are determined by applying a credit spread for the counterparty or the Corporation, as appropriate, to the total expected exposure of the derivative. Master netting arrangements effectively reduce credit valuation adjustments by permitting settlement of positive and negative positions and offset cash collateral held with the same counterparty on a net basis. Bilateral collateral agreements require daily exchange of cash or highly rated securities issued by the U.S. Treasury or other U.S. government entities to collateralize amounts due to either party. At December 31, 2024, counterparties with bilateral collateral agreements deposited $85 million of cash with the Corporation to secure the fair value of contracts in an unrealized gain position, and the Corporation had pledged $2 million of marketable investment securities and posted an insignificant amount of cash as collateral for contracts in an unrealized loss position. For those counterparties not covered under bilateral collateral agreements, collateral is obtained, if deemed necessary, based on the results of management’s credit evaluation of the counterparty. Collateral varies, but may include cash, investment securities, accounts receivable, equipment or real estate. Derivative Instruments Derivative instruments utilized by the Corporation are negotiated over-the-counter and primarily include swaps, caps and floors, forward contracts and options, each of which may relate to interest rates, energy commodity prices or foreign currency exchange rates. Swaps are agreements in which two parties periodically exchange cash payments based on specified indices applied to a specified notional amount until a stated maturity. Caps and floors are agreements which entitle the buyer to receive cash payments based on the difference between a specified reference rate or price and an agreed strike rate or price, applied to a specified notional amount until a stated maturity. Forward contracts are over-the-counter agreements to buy or sell an asset at a specified future date and price. Options are similar to forward contracts except the purchaser has the right, but not the obligation, to buy or sell the asset during a specified period or at a specified future date. Over-the-counter contracts are tailored to meet the needs of the counterparties involved and, therefore, contain a greater degree of credit risk and liquidity risk than exchange-traded contracts, which have standardized terms and readily available price information. The Corporation reduces exposure to market and liquidity risks from over-the-counter derivative instruments entered into for risk management purposes, and transactions entered into to mitigate the market risk associated with customer-initiated transactions, by taking offsetting positions with investment grade domestic and foreign financial institutions and subjecting counterparties to credit approvals, limits and collateral monitoring procedures similar to those used in making other extensions of credit. In addition, certain derivative contracts executed bilaterally with a dealer counterparty in the over-the-counter market are cleared through a clearinghouse, whereby the clearinghouse becomes the counterparty to the transaction. The following table presents the composition of the Corporation’s derivative instruments held or issued for risk management purposes or in connection with customer-initiated and other activities at December 31, 2024 and 2023. The table excludes a derivative related to the Corporation's 2008 sale of its remaining ownership of Visa shares and includes accrued interest receivable and payable. December 31, 2024 December 31, 2023 Fair Value Fair Value (in millions) Notional/ Gross Derivative Assets Gross Derivative Liabilities Notional/ Gross Derivative Assets Gross Derivative Liabilities Risk management purposes Derivatives designated as hedging instruments Interest rate contracts: Fair value swaps - receive fixed/pay floating $ 6,800 $ — $ — $ 6,300 $ — $ — Cash flow swaps - receive fixed/ pay floating (b) 23,350 — 3 24,850 — 8 Derivatives used as economic hedges Foreign exchange contracts: Spot, forwards and swaps 453 3 — 560 1 3 Total risk management purposes 30,603 3 3 31,710 1 11 Customer-initiated and other activities Interest rate contracts: Caps and floors written 1,781 — 12 1,577 — 18 Caps and floors purchased 1,781 12 — 1,577 18 — Swaps 19,189 165 320 19,316 207 409 Total interest rate contracts 22,751 177 332 22,470 225 427 Energy contracts: Caps and floors written 3,460 — 201 3,719 3 291 Caps and floors purchased 3,460 202 — 3,719 292 3 Swaps 6,338 214 199 6,368 463 442 Total energy contracts 13,258 416 400 13,806 758 736 Foreign exchange contracts: Spot, forwards, options and swaps 3,117 70 59 2,751 35 32 Total customer-initiated and other activities 39,126 663 791 39,027 1,018 1,195 Total gross derivatives $ 69,729 666 794 $ 70,737 1,019 1,206 Amounts offset in the Consolidated Balance Sheets: Netting adjustment - Offsetting derivative assets/liabilities (330) (330) (311) (311) Netting adjustment - Cash collateral received/posted (80) — (143) (13) Net derivatives included in the Consolidated Balance Sheets (c) 256 464 565 882 Amounts not offset in the Consolidated Balance Sheets: Marketable securities pledged under bilateral collateral agreements (143) (2) (501) (4) Net derivatives after deducting amounts not offset in the Consolidated Balance Sheets $ 113 $ 462 $ 64 $ 878 (a) Notional or contractual amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected on the Consolidated Balance Sheets. (b) December 31, 2023 included $2 billion of forward starting swaps that became effective on their contractual start dates in 2024. There were no forward starting swaps at December 31, 2024. (c) Net derivative assets are included in accrued income and other assets and net derivative liabilities are included in accrued expenses and other liabilities on the Consolidated Balance Sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and credit risk of the Corporation. The fair value of net derivative assets included credit valuation adjustments for counterparty credit risk of $1 million and $3 million at December 31, 2024 and 2023, respectively. Risk Management The Corporation's derivative instruments used for managing interest rate risk include cash flow hedging strategies that convert variable-rate loans to fixed rates and fair value hedging strategies that convert fixed-rate medium-and long-term debt to variable rates. Interest and fees on loans included net expense from cash flow swaps of $637 million, $602 million and $25 million for the years ended December 31, 2024, 2023 and 2022, respectively. The following table details the effects of fair value hedging on the Consolidated Statements of Comprehensive Income. (in millions) Interest on Medium- and Long-Term Debt Years Ended December 31 2024 2023 2022 Total interest on medium-and long-term debt (a) $ 463 $ 378 $ 87 Fair value hedging relationships: Interest rate contracts: Hedged items 335 265 112 Derivatives designated as hedging instruments 128 113 (25) (a) Includes the effects of hedging. The following tables summarize the expected weighted average remaining maturity of the notional amount of risk management interest rate swaps, the weighted average interest rates associated with amounts expected to be received or paid on interest rate swap agreements, and for fair value swaps, the carrying amount of the related hedged items, as of December 31, 2024 and 2023. Cash flow swaps - receive fixed/pay floating rate on variable-rate loans (a) (dollar amounts in millions) December 31, 2024 December 31, 2023 Weighted average: Time to maturity (in years) 3.1 3.9 Receive rate (b) 2.55 % 2.43 % Pay rate (b), (c) 4.55 5.38 (a) December 31, 2023 included $7.0 billion of de-designated interest rate swaps. (b) Excludes 2.0 billion of forward starting swaps not effective as of December 31, 2023. There were no forward starting swaps at December 31, 2024. (c) Variable rates paid on receive fixed swaps designated as cash flow hedges were based on SOFR rates in effect at December 31, 2024 and BSBY or SOFR rates in effect at December 31, 2023. Fair value swaps - receive fixed/pay floating rate on medium- and long-term debt (dollar amounts in millions) December 31, 2024 December 31, 2023 Carrying value of hedged items (a) $ 6,673 $ 6,206 Weighted average: Time to maturity (in years) 2.6 3.1 Receive rate 3.77 % 3.67 % Pay rate (b) 4.80 5.74 (a) Included $(122) million and $(93) million of cumulative hedging adjustments at December 31, 2024 and 2023, respectively, which included $2 million and $3 million, respectively, of hedging adjustment on a discontinued hedging relationship. (b) Floating rates paid on receive fixed swaps designated as fair value hedges were based on SOFR rates in effect at December 31, 2024 and December 31, 2023. Re-designated Interest Rate Swaps and Price Alignment Income On November 15, 2023, the Bloomberg Index Services Limited (Bloomberg) announced that it would discontinue publishing the Bloomberg Short-Term Bank Yield Index (BSBY) on November 15, 2024; accordingly, the Corporation was required to “de-designate” $7.0 billion of interest rate swaps used in cash flow hedges of certain BSBY-indexed loans and reclassify amounts recognized in accumulated other comprehensive income into earnings. A total of $130 million in net losses were included in noninterest income as a result of the de-designations, consisting of $39 million during the first quarter 2024 and $91 million during the fourth quarter 2023. For each de-designated swap, settlement of interest payments and changes in fair value were recorded as risk management hedging losses within noninterest income instead of net interest income until re-designation. All impacted swaps were re-designated as of April 1, 2024. Amounts in accumulated other comprehensive income related to cash flows that continued to be probable of occurring were amortized out of accumulated other comprehensive income and into earnings, which resulted in pre-tax losses of $177 million recorded in interest and fees on loans during the year ended December 31, 2024. Additionally, the fair value of swaps at re-designation date were accreted back into accumulated other comprehensive income, resulting in a benefit of $170 million for the year ended December 31, 2024. The amortization of probable cash flows and fair value accretion, as well as settlements no longer recognized through margin before re-designation, resulted in an overall $7 million increase to net interest income for the year ended December 31, 2024. BSBY cessation and the related de-designation and re-designation of interest rate swaps led to a net increase in accumulated other comprehensive income of $24 million for the year ended December 31, 2024, compared to $68 million for the year ended December 31, 2023. For more information on accumulated net losses on cash flow hedges, refer to Note 14. Price Alignment Income Risk management hedging income (loss) also includes price alignment income, which is income received on payments made to a central clearing party for centrally cleared derivatives. Positions are settled daily based on derivative fair values and the party receiving net settlement amounts pays price alignment, based on an earning rate, to the party making settlement payments. Price alignment income totaled $46 million for the year ended December 31, 2024, $51 million for the year ended December 31, 2023 and $8 million for the year ended December 31, 2022. Customer-Initiated and Other The Corporation enters into derivative transactions at the request of customers and generally takes offsetting positions with dealer counterparties to mitigate the inherent market risk. Income primarily results from the spread between the customer derivative and the offsetting dealer position. For customer-initiated foreign exchange contracts where offsetting positions have not been taken, the Corporation manages the remaining inherent market risk through individual foreign currency position limits and aggregate value-at-risk limits. These limits are established annually and reviewed quarterly. Fair values of customer-initiated and other derivative instruments represent the net unrealized gains or losses on such contracts and are recorded on the Consolidated Balance Sheets. Changes in fair value are recognized on the Consolidated Statements of Income. The net gains recognized in income on customer-initiated derivative instruments, net of the impact of offsetting positions included in derivative income, were as follows: Years Ended December 31, (in millions) 2024 2023 2022 Interest rate contracts $ 21 $ 22 $ 34 Energy contracts 19 25 28 Foreign exchange contracts 47 51 47 Total $ 87 $ 98 $ 109 Credit-Related Financial Instruments The Corporation issues off-balance sheet financial instruments in connection with commercial and consumer lending activities. The Corporation’s credit risk associated with these instruments is represented by the contractual amounts indicated in the following table. (in millions) December 31 2024 2023 Unused commitments to extend credit: Commercial and other $ 24,342 $ 27,303 Bankcard, revolving credit and home equity loan commitments 4,055 4,082 Total unused commitments to extend credit $ 28,397 $ 31,385 Standby letters of credit $ 4,138 $ 3,586 Commercial letters of credit 12 48 The Corporation maintains an allowance to cover current expected credit losses inherent in lending-related commitments, including unused commitments to extend credit, letters of credit and financial guarantees. The allowance for credit losses on lending-related commitments, included in accrued expenses and other liabilities on the Consolidated Balance Sheets, was $35 million and $40 million at December 31, 2024 and 2023, respectively. Unused Commitments to Extend Credit Commitments to extend credit are legally binding agreements to lend to a customer, provided there is no violation of any condition established in the contract. These commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many commitments expire without being drawn upon, the total contractual amount of commitments does not necessarily represent future cash requirements of the Corporation. Commercial and other unused commitments are primarily variable rate commitments. The allowance for credit losses on lending-related commitments included $30 million and $38 million at December 31, 2024 and 2023, respectively, for expected credit losses inherent in the Corporation’s unused commitments to extend credit. Standby and Commercial Letters of Credit Standby letters of credit represent conditional obligations of the Corporation which guarantee the performance of a customer to a third party. Standby letters of credit are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. Commercial letters of credit are issued to finance foreign or domestic trade transactions. These contracts expire in decreasing amounts through the year 2035. The Corporation may enter into participation arrangements with third parties that effectively reduce the maximum amount of future payments which may be required under standby and commercial letters of credit. These risk participations covered $223 million and $85 million at December 31, 2024 and 2023, respectively, of the $4.2 billion and $3.6 billion of standby and commercial letters of credit outstanding at December 31, 2024 and 2023, respectively. The carrying value of the Corporation’s standby and commercial letters of credit, included in accrued expenses and other liabilities on the Consolidated Balance Sheets, totaled $34 million at December 31, 2024, including $29 million in deferred fees and $5 million in the allowance for credit losses on lending-related commitments. At December 31, 2023, the comparable amounts were $34 million, $32 million and $2 million, respectively. The following table presents a summary of criticized standby and commercial letters of credit at December 31, 2024 and 2023. The Corporation's criticized list is consistent with the Special Mention, Substandard and Doubtful categories defined by regulatory authorities. The Corporation manages credit risk through underwriting, periodically reviewing and approving its credit exposures using Board committee approved credit policies and guidelines. (dollar amounts in millions) December 31, 2024 December 31, 2023 Total criticized standby and commercial letters of credit $ 37 $ 50 As a percentage of total outstanding standby and commercial letters of credit 0.9 % 1.4 % Other Credit-Related Financial Instruments The Corporation enters into credit risk participation agreements, under which the Corporation assumes credit exposure associated with a borrower’s performance related to certain interest rate derivative contracts. The Corporation is not a party to the interest rate derivative contracts and only enters into these credit risk participation agreements in instances in which the Corporation is also a party to the related loan participation agreement for such borrowers. The Corporation manages its credit risk on the credit risk participation agreements by monitoring the creditworthiness of the borrowers, which is based on the normal credit review process as if the Corporation had entered into the derivative instruments directly with the borrower. The notional amount of such credit risk participation agreements reflects the pro-rata share of the derivative instrument, consistent with its share of the related participated loan. The total notional amount of the credit risk participation agreements was approximately $1.1 billion and $1.0 billion at December 31, 2024 and 2023, respectively, and the fair value was insignificant at December 31, 2024 and December 31, 2023. The maximum estimated exposure to these agreements, as measured by projecting a maximum value of the guaranteed derivative instruments as of the balance sheet date, assuming 100 percent default by all obligors on the maximum values, was $1 million and $2 million at December 31, 2024 and December 31, 2023, respectively. In the event of default, the lead bank has the ability to liquidate the assets of the borrower, in which case the lead bank would be required to return a percentage of the recouped assets to the participating banks. As of December 31, 2024, the weighted average remaining maturity of outstanding credit risk participation agreements was 4.6 years. In 2008, the Corporation sold its remaining ownership of Visa Class B shares and entered into a derivative contract. Under the terms of the derivative contract, the Corporation will compensate the counterparty primarily for dilutive adjustments made to the conversion factor of the Visa Class B shares to Class A shares based on the ultimate outcome of litigation involving Visa. Conversely, the Corporation will be compensated by the counterparty for any increase in the conversion factor from anti- dilutive adjustments. The fair value of the derivative liability, included in accrued expenses and other liabilities on the Consolidated Balance Sheets, was $6 million and $12 million at December 31, 2024 and December 31, 2023, respectively.

Variable Interest Entities (VIE

Variable Interest Entities (VIEs)	12 Months Ended
	Dec. 31, 2024
Variable Interest Entity, Not Primary Beneficiary, Disclosures [Abstract]
Variable Interest Entities (VIEs)	VARIABLE INTEREST ENTITIES (VIEs) The Corporation evaluates its interest in certain entities to determine if these entities meet the definition of a VIE and whether the Corporation is the primary beneficiary and should consolidate the entity based on the variable interests it held both at inception and when there is a change in circumstances that requires a reconsideration. The Corporation holds ownership interests in funds in the form of limited partnerships or limited liability companies (LLCs) investing in affordable housing projects that qualify for the low-income housing tax credit (LIHTC). The Corporation also directly invests in limited partnerships and LLCs which invest in community development projects, which generate similar tax credits to investors (other tax credit entities). As an investor, the Corporation obtains income tax credits and deductions from the operating losses of these tax credit entities. These tax credit entities meet the definition of a VIE; however, the Corporation is not the primary beneficiary of the entities, as the general partner or the managing member has both the power to direct the activities that most significantly impact the economic performance of the entities and the obligation to absorb losses or the right to receive benefits that could be significant to the entities. The Corporation accounts for its interests in LIHTC entities and, upon adoption of ASU 2023-02 as discussed in Note 1, other tax credit entities that meet certain criteria using the proportional amortization method. Ownership interests in tax credit entities that do not qualify for the proportional amortization method are accounted for under either the cost or equity method. Exposure to loss as a result of the Corporation’s involvement in entities using the proportional amortization method was limited to $566 million and none for other tax credit entities at December 31, 2024. Investment balances, including all legally binding commitments to fund future investments that are accounted for using the proportional amortization method, are included in accrued income and other assets on the Consolidated Balance Sheets. A liability is recognized in accrued expenses and other liabilities on the Consolidated Balance Sheets for all legally binding unfunded commitments to fund tax credit entities that are accounted for using the proportional amortization method ($238 million at December 31, 2024). Amortization and other write-downs of tax credit investments for which the proportional amortization method is applied are presented on a net basis as a component of the provision for income taxes on the Consolidated Statements of Income, while amortization and write-downs of other tax credit investments are recorded in other noninterest income. The income tax credits and deductions are recorded as a reduction of income tax expense and a reduction of federal income taxes payable. The cash flows related to the total income tax benefits are presented in the "net income," "benefit for deferred income taxes" and "other, net" line items within the operating activities section of the Consolidated Statements of Cash Flows. The Corporation provided no financial or other support that was not contractually required to any of the above VIEs during the years ended December 31, 2024, 2023 and 2022. The following table summarizes the impact of these tax credit entities on the Corporation’s Consolidated Statements of Income. (in millions) Years Ended December 31 2024 Provision for income taxes: Amortization of investments $ 76 Tax credits (75) Other income tax benefits related to tax credit entities (16) Total provision for income taxes $ (15) Prior to the adoption of ASU 2023-02, only LIHTC investments qualified for the proportional amortization method of accounting. The following table summarizes the impact of these LIHTC entities on the Corporation’s Consolidated Statements of Comprehensive Income. (in millions) Years Ended December 31 2023 2022 Other noninterest income: Amortization of other tax credit investments $ (4) $ — Provision for income taxes: Amortization of LIHTC investments 69 72 Low income housing tax credits (65) (68) Other tax benefits related to tax credit entities (21) (18) Total provision for income taxes $ (17) $ (14) For further information on the Corporation’s consolidation policy, see Note 1.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Deposits	DEPOSITS At December 31, 2024, the scheduled maturities of certificates of deposit and other deposits with a stated maturity were as follows: (in millions) Years Ending December 31 2025 $ 4,455 2026 54 2027 14 2028 6 2029 2 Thereafter 3 Total $ 4,534 A maturity distribution of domestic certificates of deposit of $100,000 and over follows: (in millions) December 31 2024 2023 Three months or less $ 1,135 $ 1,083 Over three months to six months 1,040 1,052 Over six months to twelve months 263 359 Over twelve months 24 32 Total $ 2,462 $ 2,526

Short-term Borrowings

Short-term Borrowings	12 Months Ended
	Dec. 31, 2024
Short-Term Debt [Abstract]
Short-term Borrowings	SHORT-TERM BORROWINGS Federal funds purchased generally mature within one to four days from the transaction date. Other short-term borrowings, which may consist of borrowed securities and short-term notes, generally mature within one to 120 days from the transaction date. At December 31, 2024, there were no short-term borrowings outstanding. At December 31, 2023, other short-term borrowings totaled $3.6 billion and primarily consisted of advances from the FHLB of Dallas, Texas. At December 31, 2024, the Bank had pledged loans totaling $20.3 billion to the FRB, which provided for up to $16.8 billion of collateralized borrowing through the discount window. The following table provides a summary of short-term borrowings. (dollar amounts in millions) Federal Funds Purchased Other December 31, 2024 Amount outstanding at year-end $ — $ — Weighted average interest rate at year-end — % — % Maximum month-end balance during the year $ 37 $ 3,550 Average balance outstanding during the year 8 829 Weighted average interest rate during the year 5.28 % 5.74 % December 31, 2023 Amount outstanding at year-end $ 15 $ 3,550 Weighted average interest rate at year-end 5.30 % 5.74 % Maximum month-end balance during the year $ 19 $ 11,000 Average balance outstanding during the year 29 7,189 Weighted average interest rate during the year 4.77 % 5.41 % December 31, 2022 Amount outstanding at year-end $ 11 $ 3,200 Weighted average interest rate at year-end 4.32 % 4.54 % Maximum month-end balance during the year $ 1,106 $ 3,200 Average balance outstanding during the year 82 354 Weighted average interest rate during the year 3.28 % 4.08 %

Medium- And Long-Term Debt

Medium- And Long-Term Debt	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Medium- And Long-Term Debt	MEDIUM- AND LONG-TERM DEBT Medium- and long-term debt is summarized as follows: (in millions) December 31 2024 2023 Parent company Subordinated notes: 3.80% subordinated notes due 2026 $ 243 $ 241 Medium- and long-term notes: 4.00% notes due 2029 519 523 5.982% notes due 2030 984 — Total medium- and long-term notes 1,503 523 Total parent company 1,746 764 Subsidiaries Subordinated notes: 4.00% subordinated notes due 2025 345 337 7.875% subordinated notes due 2026 157 162 5.332% subordinated notes due 2033 451 466 Total subordinated notes 953 965 Medium- and long-term notes: 2.50% notes due July 2024 — 489 Total medium- and long-term notes — 489 Federal Home Loan Bank (FHLB) advances: 5.07% advance due 2025 1,000 995 4.79% advance due 2026 997 997 4.49% advance due 2027 992 999 4.49% advance due 2028 985 997 Total FHLB advances 3,974 3,988 Total subsidiaries 4,927 5,442 Total medium- and long-term debt $ 6,673 $ 6,206 Fixed interest rates have been swapped to a variable rate and designated in a hedging relationship for all notes outstanding at both December 31, 2024 and 2023. Accordingly, carrying value has been adjusted to reflect the change in fair value of the debt as a result of changes in the benchmark rate. Subordinated notes with remaining maturities greater than one year qualify as Tier 2 capital. Comerica Bank (the Bank), a wholly-owned subsidiary of Comerica, Incorporated, is a member of the FHLB, which provides short- and long-term funding to its members through advances collateralized by real estate-related assets. Borrowing capacity is contingent on the amount of collateral available to be pledged to the FHLB. At December 31, 2024, FHLB borrowings were $4.0 billion, with remaining capacity for future borrowing of $13.0 billion, secured by real estate-related loans totaling $22.5 billion and investment securities totaling $6.0 billion. Unamortized debt issuance costs deducted from the carrying amount of medium- and long-term debt totaled $10 million and $6 million at December 31, 2024 and 2023, respectively. At December 31, 2024, the principal maturities of medium- and long-term debt were as follows: (in millions) Years Ending December 31 2025 $ 1,350 2026 1,400 2027 1,000 2028 1,000 2029 550 Thereafter 1,500 Total $ 6,800

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2024
Stockholders' Equity Note [Abstract]
Stockholders' Equity	SHAREHOLDERS’ EQUITY During the year ended December 31, 2024, the Corporation repurchased 1.5 million shares at an average price paid of $63.50 per share under the share repurchase program initially authorized in 2010 by the Board of Directors of the Corporation. There is no expiration date for the share repurchase program. There were no repurchases of common stock under the share repurchase program in 2023. At December 31, 2024, the Corporation had 4.7 million shares of common stock reserved for stock option exercises and restricted stock unit vesting. In May 2020, the Corporation issued and sold 400,000 depositary shares, each representing a 1/100th ownership interest in a share of 5.625% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A, without par value, with a liquidation preference of $100,000 per share (equivalent of 1,000 per depositary share). Holders of the depositary shares will be entitled to all proportional rights and preferences of the Series A preferred stock (including dividend, voting, redemption and liquidation rights). The $400 million issuance yielded $394 million in proceeds, net of underwriting discounts and offering expenses. Dividends on the Series A preferred stock accrue on a non-cumulative basis at an initial fixed rate per annum of 5.625% and are payable in arrears when, as and if authorized by the Corporation’s Board of Directors or a duly authorized committee of the Board and declared by the Corporation, on the first day of January, April, July and October of each year, and commenced on October 1, 2020. Beginning on October 1, 2025 and every five years thereafter, the per annum dividend rate on outstanding shares of Series A preferred stock will reset and equal the then-current five-year Treasury rate plus 5.291%. Under the terms of the Series A preferred stock, the ability of the Corporation to pay dividends on, make distributions with respect to, or to repurchase, redeem or acquire its common stock or any other stock ranking on parity with or junior to the Series A preferred stock, is subject to restrictions in the event that the Corporation does not declare and either pay or set aside a sum sufficient for payment of dividends on the Series A preferred stock for the immediately preceding dividend period. The Series A preferred stock is perpetual and has no maturity date, but is redeemable by the Corporation at specified times subject to regulatory considerations.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	12 Months Ended
	Dec. 31, 2024
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss)	ACCUMULATED OTHER COMPREHENSIVE LOSS The following table presents a reconciliation of the changes in the components of accumulated other comprehensive loss and details the components of other comprehensive (loss) income for the years ended December 31, 2024, 2023 and 2022, including the amount of income tax (benefit) expense allocated to each component of other comprehensive (loss) income. (in millions) Years Ended December 31 2024 2023 2022 Accumulated net unrealized losses on investment securities: Balance at beginning of period, net of tax $ (2,043) $ (2,319) $ (99) Net unrealized holding (losses) gains arising during the period (182) 361 (2,903) Less: (Benefit) provision for income taxes (43) 85 (683) Net unrealized holding (losses) gains arising during the period, net of tax (139) 276 (2,220) Less: Net realized losses included in net securities losses 19 — — Less: Benefit for income taxes 4 — — Reclassification adjustment for net securities losses included in net income, net of tax 15 — — Change in net unrealized losses on investment securities, net of tax (154) 276 (2,220) Balance at end of period, net of tax $ (2,197) $ (2,043) $ (2,319) Accumulated net losses on cash flow hedges: Balance at beginning of period, net of tax $ (605) $ (942) $ 55 Net cash flow hedge (losses) gains arising during the period (624) 34 (1,329) Reclassification of loss related to de-designation of derivatives to other noninterest income — (195) — Less: Benefit for income taxes (181) (38) (313) Change in net cash flow hedge losses arising during the period, net of tax (443) (123) (1,016) Less: Net cash flow losses included in interest and fees on loans (629) (576) (25) Net amortization of unrealized losses related to de-designated derivatives included in interest and fees on loans (8) (26) — Less: Benefit for income taxes (185) (142) (6) Reclassification adjustment for net cash flow hedge losses included in net income, net of tax (452) (460) (19) Change in net cash flow hedge losses, net of tax 9 337 (997) Balance at end of period, net of tax (a) $ (596) $ (605) $ (942) Accumulated defined benefit pension and other postretirement plans adjustment: Balance at beginning of period, net of tax $ (400) $ (481) $ (168) Actuarial gain (loss) arising during the period 35 96 (415) Less: Provision (benefit) for income taxes 8 25 (98) Net defined benefit pension and other postretirement plans adjustment arising during the period, net of tax 27 71 (317) Amounts recognized in other noninterest expenses: Amortization of actuarial net loss 27 36 28 Amortization of prior service credit (22) (23) (23) Total amounts recognized in other noninterest expenses 5 13 5 Less: Provision for income taxes — 3 1 Adjustment for amounts recognized as components of net periodic benefit credit during the period, net of tax 5 10 4 Change in defined benefit pension and other postretirement plans adjustment, net of tax 32 81 (313) Balance at end of period, net of tax $ (368) $ (400) $ (481) Total accumulated other comprehensive loss at end of period, net of tax $ (3,161) $ (3,048) $ (3,742) (a) The Corporation expects to reclassify $198 million of losses, net of tax, from accumulated other comprehensive loss to earnings over the next twelve months if interest yield curves and notional amounts remain at December 31, 2024 levels.

Net Income Per Common Share

Net Income Per Common Share	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Net Income Per Common Share	NET INCOME PER COMMON SHARE Basic and diluted net income per common share are presented in the following table. (in millions, except per share data) Years Ended December 31 2024 2023 2022 Basic and diluted Net income $ 698 $ 881 $ 1,151 Less: Income allocated to participating securities 4 4 6 Preferred stock dividends 23 23 23 Net income attributable to common shares $ 671 $ 854 $ 1,122 Basic average common shares 133 132 131 Basic net income per common share $ 5.06 $ 6.47 $ 8.56 Basic average common shares 133 132 131 Dilutive common stock equivalents: Net effect of the assumed exercise of stock awards 1 1 2 Diluted average common shares 134 133 133 Diluted net income per common share $ 5.02 $ 6.44 $ 8.47 Declared dividends on preferred stock are excluded from net income attributable to common shares. Refer to Note 13 for further information on preferred stock. The following average shares related to outstanding options to purchase shares of common stock were not included in the computation of diluted net income per common share because the options were anti-dilutive for the period. (average outstanding options in thousands) Years Ended December 31 2024 2023 2022 Average outstanding options 1,792 1,631 543 Range of exercise prices $53.96 - $95.25 $49.20 - $95.25 $70.18 - $95.25

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Share-based Compensation	SHARE-BASED COMPENSATION Share-based compensation expense is charged to salaries and benefits expense on the Consolidated Statements of Income. The total share-based compensation expense for all share-based compensation plans and related tax benefits are as follows: (in millions) Years Ended December 31 2024 2023 2022 Total share-based compensation expense $ 54 $ 52 $ 60 Related tax benefits recognized in net income 12 12 14 The following table summarizes unrecognized compensation expense for all share-based plans. (dollar amounts in millions) December 31, 2024 Total unrecognized share-based compensation expense $ 47 Weighted-average expected recognition period (in years) 2.2 The Corporation has share-based compensation plans under which it awards shares of restricted stock units to executive officers, directors and key personnel and stock options to executive officers and key personnel of the Corporation and its subsidiaries. Restricted stock units fully vest after a period ranging from three years to five years, and stock options fully vest after four years. A majority of share-based compensation awards include a retirement eligibility clause where qualified employees are exempt from the service requirements of the award. This generally results in the recognition of compensation expense at the grant date for retirement eligible employees. The maturity of each option is determined at the date of grant; however, no options may be exercised later than ten years from the date of grant. The options may have restrictions regarding exercisability. The plans provide for a grant of up to 9.8 million common shares, plus shares under certain plans that are forfeited, expire or are canceled, which become available for re-grant. At December 31, 2024, over 4.6 million shares were available for grant. The Corporation used a binomial model to value stock options granted in the periods presented. Option valuation models require several inputs, including the expected stock price volatility, and changes in input assumptions can materially affect the fair value estimates. The model used may not necessarily provide a reliable single measure of the fair value of stock options. The risk-free interest rate assumption used in the binomial option-pricing model as outlined in the table below was based on the federal ten-year treasury interest rate. The expected dividend yield was based on the historical and projected long-term dividend yield patterns of the Corporation’s common shares. Expected volatility assumptions considered both the historical volatility of the Corporation’s common stock over a ten-year period and implied volatility based on actively traded options on the Corporation’s common stock with pricing terms and trade dates similar to the stock options granted. Expected option life was based on historical exercise activity over the contractual term of the option grant (ten years), excluding certain forced transactions. The estimated weighted-average grant-date fair value per option and the underlying binomial option-pricing model assumptions are summarized in the following table: Years Ended December 31 2024 2023 2022 Weighted-average grant-date fair value per option $ 17.64 $ 20.21 $ 25.31 Weighted-average assumptions: Risk-free interest rates 4.13 % 3.46 % 1.78 % Expected dividend yield 4.00 4.00 4.00 Volatility 37 32 34 Expected option life (in years) 7.5 7.8 8.0 A summary of the Corporation’s stock option activity and related information for the year ended December 31, 2024 follows: Weighted-Average Number of Exercise Price Remaining Aggregate Outstanding-January 1, 2024 2,083 $ 64.03 Granted 322 53.96 Forfeited or expired (60) 67.87 Exercised (279) 46.19 Outstanding-December 31, 2024 2,066 64.76 5.1 $ 12 Exercisable-December 31, 2024 1,456 $ 64.87 3.7 $ 9 The aggregate intrinsic value of outstanding options shown in the table above represents the total pretax intrinsic value at December 31, 2024, based on the Corporation’s closing stock price of $61.85 at December 31, 2024. The total intrinsic value of stock options exercised was $4 million, $4 million and $17 million for the years ended December 31, 2024, 2023 and 2022, respectively. There was no restricted stock award activity in 2024 or 2023. The plan was fully vested as of December 31, 2022. The total fair value of restricted stock awards that fully vested in 2022 was $4 million. A summary of the Corporation's restricted stock unit activity and related information for the year ended December 31, 2024 follows: Service-Based Units Performance-Based Units Number of Weighted-Average Number of Weighted-Average Outstanding-January 1, 2024 1,518 $ 62.42 727 $ 67.70 Granted 774 51.31 542 52.62 Forfeited (103) 62.29 (32) 67.71 Vested (365) 76.76 (437) 56.14 Outstanding-December 31, 2024 1,824 54.85 800 63.81 The total fair value of restricted stock units that fully vested was $42 million, $52 million and $19 million for the years ended December 31, 2024, 2023 and 2022, respectively. The Corporation expects to satisfy the exercise of stock options and the vesting of restricted stock units by issuing shares of common stock out of treasury. At December 31, 2024, the Corporation held 97 million shares in treasury. For further information on the Corporation’s share-based compensation plans, refer to Note 1.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2024
Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Abstract]
Employee Benefit Plans	EMPLOYEE BENEFIT PLANS Defined Benefit Pension and Postretirement Benefit Plans The Corporation has a qualified and non-qualified defined benefit pension plan. In October 2016, the Corporation modified its defined benefit pension plans to freeze final average pay benefits as of December 31, 2016, other than for participants who were age 60 or older as of December 31, 2016, and added a cash balance plan provision effective January 1, 2017. Active pension plan participants 60 years or older as of December 31, 2016 receive the greater of the final average pay formula or the frozen final average pay benefit as of December 31, 2016 plus the cash balance benefit earned after January 1, 2017. All employees aged 21 years or older who attain one year of service are eligible to participate in the cash balance pension plan effective January 1, 2017. Benefits earned under the cash balance pension formula, in the form of an account balance, include contribution credits based on eligible pay earned each month, age and years of service and monthly interest credits based on the 30-year Treasury rate. The Corporation’s postretirement benefit plan provides postretirement health care and life insurance benefits for retirees as of December 31, 1992. The plan also provides certain postretirement health care and life insurance benefits for a limited number of retirees who retired prior to January 1, 2000. For all other employees hired prior to January 1, 2000, a nominal benefit is provided. Employees hired on or after January 1, 2000 and prior to January 1, 2007 are eligible to participate in the plan on a full contributory basis until Medicare-eligible based on age and service. Employees hired on or after January 1, 2007 are not eligible to participate in the plan. The Corporation funds the pre-1992 retiree plan benefits with bank-owned life insurance. Effective January 1, 2022, the plan moved from a self-insured plan to the Medicare and pre-65 individual marketplace with a funded Health Reimbursement Arrangement account for those with subsidized coverage. This change did not have a material impact on the Corporation's consolidated financial condition, results of operations or cash flow. The following table sets forth reconciliations of plan assets and the projected benefit obligation, the weighted-average assumptions used to determine year-end benefit obligations, and the amounts recognized in accumulated other comprehensive loss for the Corporation’s defined benefit pension plans and postretirement benefit plan at December 31, 2024 and 2023. The Corporation used a measurement date of December 31, 2024 for these plans. Defined Benefit Pension Plans Qualified Non-Qualified Postretirement Benefit Plan (dollar amounts in millions) 2024 2023 2024 2023 2024 2023 Change in fair value of plan assets: Fair value of plan assets at January 1 $ 2,681 $ 2,508 $ — $ — $ 45 $ 46 Actual return on plan assets 164 338 — — — 1 Benefits paid (114) (165) — — (2) (2) Fair value of plan assets at December 31 $ 2,731 $ 2,681 $ — $ — $ 43 $ 45 Change in projected benefit obligation: Projected benefit obligation at January 1 $ 1,629 $ 1,611 $ 169 $ 163 $ 17 $ 21 Service cost 35 31 2 2 — — Interest cost 82 85 9 9 1 1 Actuarial (loss) gain (51) 67 — 10 (1) (3) Benefits paid (114) (165) (15) (15) (2) (2) Projected benefit obligation at December 31 $ 1,581 $ 1,629 $ 165 $ 169 $ 15 $ 17 Accumulated benefit obligation $ 1,563 $ 1,611 $ 162 $ 166 $ 15 $ 17 Funded status at December 31 (a) (b) $ 1,150 $ 1,052 $ (165) $ (169) $ 28 $ 28 Weighted-average assumptions used: Discount rate 5.72 % 5.33 % 5.72 % 5.33 % 5.72 % 5.43 % Rate of compensation increase 4.50 4.50 4.50 4.50 n/a n/a Interest crediting rate 4.54 - 5.25 4.66 - 5.25 4.54 - 5.25 4.66 - 5.25 n/a n/a Amounts recognized in accumulated other comprehensive loss before income taxes: Net actuarial loss $ (443) $ (501) $ (49) $ (52) $ (10) $ (9) Prior service credit 5 19 23 29 2 2 Balance at December 31 $ (438) $ (482) $ (26) $ (23) $ (8) $ (7) (a) Based on projected benefit obligation for defined benefit pension plans and accumulated benefit obligation for postretirement benefit plan. (b) The Corporation recognizes the overfunded and underfunded status of the plans in accrued income and other assets and accrued expenses and other liabilities, respectively, on the Consolidated Balance Sheets. n/a - not applicable Because the non-qualified defined benefit pension plan has no assets, the accumulated benefit obligation exceeded the fair value of plan assets at December 31, 2024 and December 31, 2023. The following table details the changes in plan assets and benefit obligations recognized in other comprehensive (loss) income for the year ended December 31, 2024. Defined Benefit Pension Plans (in millions) Qualified Non-Qualified Postretirement Benefit Plan Total Actuarial gain (loss) arising during the period $ 36 $ — $ (1) $ 35 Amortization of net actuarial loss 23 4 — 27 Amortization of prior service credit (15) (7) — (22) Total recognized in other comprehensive (loss) income $ 44 $ (3) $ (1) $ 40 Components of net periodic defined benefit (credit) cost and postretirement benefit credit, the actual return on plan assets and the weighted-average assumptions used were as follows: Defined Benefit Pension Plans (dollar amounts in millions) Qualified Non-Qualified Years Ended December 31 2024 2023 2022 2024 2023 2022 Service cost (a) $ 35 $ 31 $ 37 $ 2 $ 2 $ 2 Other components of net benefit (credit) cost: Interest cost 82 85 62 9 9 6 Expected return on plan assets (179) (166) (201) — — — Amortization of prior service credit (15) (14) (14) (7) (9) (9) Amortization of actuarial net loss 23 32 19 4 4 9 Total other components of net benefit (credit) cost (b) (89) (63) (134) 6 4 6 Net periodic defined benefit (credit) cost $ (54) $ (32) $ (97) $ 8 $ 6 $ 8 Actual return on plan assets $ 164 $ 338 $ (777) n/a n/a n/a Actual rate of return on plan assets 6.26 % 13.91 % (23.02) % n/a n/a n/a Weighted-average assumptions used: Discount rate 5.33 % 5.60 % 2.96 % 5.33 % 5.60 % 2.96 % Expected long-term return on plan assets 6.75 6.50 6.50 n/a n/a n/a Rate of compensation increase 4.50 4.25 4.00 4.50 4.25 4.00 (a) Included in salaries and benefits expense on the Consolidated Statements of Income. (b) Included in other noninterest expenses on the Consolidated Statements of Income. n/a - not applicable (dollar amounts in millions) Postretirement Benefit Plan Years Ended December 31 2024 2023 2022 Other components of net benefit credit: Interest cost $ 1 $ 1 $ 1 Expected return on plan assets (2) (2) (3) Net periodic postretirement benefit credit $ (1) $ (1) $ (2) Actual return on plan assets $ — $ 1 $ (4) Actual rate of return on plan assets 0.28 % 2.61 % (8.24) % Weighted-average assumptions used: Discount rate 5.43 % 5.71 % 2.79 % Expected long-term return on plan assets 5.00 5.00 5.00 The expected long-term rate of return of plan assets is the average rate of return expected to be realized on funds invested or expected to be invested over the life of the plan, which has an estimated duration of approximately 9 years as of December 31, 2024. The expected long-term rate of return on plan assets is set after considering both long-term returns in the general market and long-term returns experienced by the assets in the plan. The returns on the various asset categories are blended to derive an equity and a fixed income long-term rate of return. The Corporation reviews its pension plan assumptions on an annual basis with its actuarial consultants to determine if assumptions are reasonable and adjusts the assumptions to reflect changes in future expectations. Plan Assets The Corporation’s overall investment goals for the qualified defined benefit pension plan are to maintain a portfolio of assets of appropriate liquidity and diversification; to generate investment returns (net of all operating costs) that are reasonably anticipated to maintain the plan’s fully funded status or to reduce a funding deficit, after taking into account various factors, including reasonably anticipated future contributions, expense and the interest rate sensitivity of the plan’s assets relative to that of the plan’s liabilities; and to generate investment returns (net of all operating costs) that meet or exceed a customized benchmark as defined in the plan's investment policy. Derivative instruments are permissible for hedging and transactional efficiency, but only to the extent that the derivative use enhances the efficient execution of the plan’s investment policy. The plan does not directly invest in securities issued by the Corporation and its subsidiaries. The Corporation’s target allocations for plan investments are 35 percent to 45 percent for equity securities and 55 percent to 65 percent for fixed income, including cash. Equity securities include collective investment funds. Fixed income securities include U.S. Treasury and other U.S. government agency securities, corporate bonds and notes, municipal bonds, collateralized mortgage obligations and money market funds. Fair Value Measurements The Corporation’s qualified defined benefit pension plan utilizes fair value measurements to record fair value adjustments and to determine fair value disclosures. The Corporation’s qualified benefit pension plan categorizes investments recorded at fair value into a three-level hierarchy, based on the markets in which the investment are traded and the reliability of the assumptions used to determine fair value. Refer to Note 1 for a description of the three-level hierarchy. Following is a description of the valuation methodologies and key inputs used to measure the fair value of the Corporation’s qualified defined benefit pension plan investments, including an indication of the level of the fair value hierarchy in which the investments are classified. U.S. Treasury and other U.S. government agency securities Level 1 securities include U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets. Fair value measurement is based upon quoted prices in an active market exchange, such as the New York Stock Exchange. Level 2 securities include debt securities issued by U.S. government agencies and U.S. government-sponsored entities. The fair value of Level 2 securities is determined using quoted prices of securities with similar characteristics, or pricing models based on observable market data inputs, primarily interest rates and spreads. Corporate and municipal bonds and notes Fair value measurement is based upon quoted prices of securities with similar characteristics or pricing models based on observable market data inputs, primarily interest rates, spreads and prepayment information. Level 2 securities include corporate bonds, municipal bonds, foreign bonds and foreign notes. Private placements Fair value is measured using the net asset value (NAV) provided by fund management, as quoted prices in active markets are not available. Management considers additional discounts to the provided NAV for market and credit risk. Private placements are included in Level 3 of the fair value hierarchy. Collective investment funds Fair value measurement is based upon the NAV provided by the administrator of the fund as a practical expedient to estimate fair value. There are no unfunded commitments or redemption restrictions on the collective investment funds. The investments are redeemable daily. Fair Values The fair values of the Corporation’s qualified defined benefit pension plan investments measured at fair value on a recurring basis at December 31, 2024 and 2023, by asset category and level within the fair value hierarchy, are detailed in the table below. (in millions) Total Level 1 Level 2 Level 3 December 31, 2024 Fixed income securities: U.S. Treasury and other U.S. government agency securities $ 676 $ 670 $ 6 $ — Corporate and municipal bonds and notes 809 — 809 — Private placements 37 — — 37 Total investments in the fair value hierarchy $ 1,522 $ 670 $ 815 $ 37 Investments measured at net asset value: Collective investment funds 1,192 Total investments at fair value $ 2,714 December 31, 2023 Fixed income securities: U.S. Treasury and other U.S. government agency securities $ 567 $ 564 $ 3 $ — Corporate and municipal bonds and notes 786 — 786 — Private placements 44 — — 44 Total investments in the fair value hierarchy $ 1,397 $ 564 $ 789 $ 44 Investments measured at net asset value: Collective investment funds 1,268 Total investments at fair value $ 2,665 The table below provides a summary of changes in the Corporation’s qualified defined benefit pension plan’s Level 3 investments measured at fair value on a recurring basis for the years ended December 31, 2024 and 2023. Balance at Balance at Net Gains (Losses) (in millions) Realized Unrealized Purchases Sales Year Ended December 31, 2024 Private placements $ 44 $ — $ (2) $ 47 $ (52) $ 37 Year Ended December 31, 2023 Private placements $ 39 $ (3) $ 8 $ 46 $ (46) $ 44 There were no assets in the non-qualified defined benefit pension plan at December 31, 2024 and 2023. The postretirement benefit plan is fully invested in bank-owned life insurance policies. The fair value of bank-owned life insurance policies is based on the cash surrender values of the policies as reported by the insurance companies and is classified in Level 2 of the fair value hierarchy. Cash Flows The Corporation currently expects to make no employer contributions to the qualified and non-qualified defined benefit pension plans and postretirement benefit plan for the year ended December 31, 2025. Estimated Future Benefit Payments (in millions) Years Ended December 31 Qualified Non-Qualified Postretirement 2025 $ 166 $ 15 $ 2 2026 146 15 2 2027 146 15 2 2028 144 15 2 2029 145 15 2 2030 - 2034 670 75 5 (a) Estimated benefit payments in the postretirement benefit plan are net of estimated Medicare subsidies. Defined Contribution Plans Substantially all of the Corporation’s employees are eligible to participate in the Corporation’s principal defined contribution plan (a 401(k) plan). Under this plan, the Corporation makes core matching cash contributions of 100 percent of the first 4 percent of qualified earnings contributed by employees (up to the current IRS compensation limit), invested based on employee investment elections. Employee benefits expense included expense for the plan of $29 million for the year ended December 31, 2024, $27 million for the year ended December 31, 2023 and $24 million for the year ended December 31, 2022. Deferred Compensation Plans The Corporation offers optional deferred compensation plans under which certain employees and non-employee directors (participants) may make an irrevocable election to defer incentive compensation and/or a portion of base salary until retirement or separation from the Corporation. The participant may direct deferred compensation into one or more deemed investment options. Although not required to do so, the Corporation invests actual funds into the deemed investments as directed by participants, resulting in a deferred compensation asset, recorded in other short-term investments on the Consolidated Balance Sheets that offsets the liability to participants under the plan, recorded in accrued expenses and other liabilities. The earnings from the deferred compensation asset are recorded in interest on short-term investments and other noninterest income and the related change in the liability to participants under the plan is recorded in salaries and benefits expense on the Consolidated Statements of Income.

Income Taxes And Tax-Related It

Income Taxes And Tax-Related Items	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes and Tax-Related Items	INCOME TAXES AND TAX-RELATED ITEMS The provision for income taxes is calculated as the sum of income taxes due for the current year and deferred taxes. Income taxes due for the current year are computed by applying federal and state tax statutes to current year taxable income. Deferred taxes arise from temporary differences between the income tax basis and financial accounting basis of assets and liabilities. Tax-related interest and penalties and foreign taxes are then added to the tax provision. The current and deferred components of the provision for income taxes were as follows: (in millions) December 31 2024 2023 2022 Current: Federal $ 143 $ 297 $ 296 Foreign 11 9 6 State and local 37 49 50 Total current 191 355 352 Deferred: Federal 23 (83) (24) State and local (24) (9) (3) Total deferred (1) (92) (27) Total $ 190 $ 263 $ 325 Income before income taxes of $888 million for the year ended December 31, 2024 included $57 million of foreign taxable income. The provision for income taxes does not reflect the tax effects of unrealized gains and losses on investment securities available-for-sale, hedging transactions or the change in defined benefit pension and other postretirement plans adjustment included in accumulated other comprehensive income (loss). Refer to Note 14 for additional information on accumulated other comprehensive income (loss). A reconciliation of expected income tax expense at the federal statutory rate to the Corporation’s provision for income taxes and effective tax rate follows: (dollar amounts in millions) 2024 2023 2022 Years Ended December 31 Amount Rate Amount Rate Amount Rate Tax based on federal statutory rate $ 186 21.0 % $ 240 21.0 % $ 310 21.0 % State income taxes 10 1.1 35 3.1 36 2.5 Affordable housing and historic credits (15) (1.7) (16) (1.4) (13) (0.9) Bank-owned life insurance (8) (0.9) (10) (0.9) (10) (0.7) FDIC insurance expense 13 1.5 15 1.3 6 0.4 Employee stock transactions 1 0.2 (1) (0.1) (3) (0.2) Tax-related interest and penalties — — (4) (0.4) — — Other 3 0.4 4 0.4 (1) (0.1) Provision for income taxes $ 190 21.6 % $ 263 23.0 % $ 325 22.0 % The liability for tax-related interest and penalties, included in accrued expenses and other liabilities on the Consolidated Balance Sheets, was $1 million and less than $1 million at December 31, 2024 and 2023, respectively. In the ordinary course of business, the Corporation enters into certain transactions that have tax consequences. From time to time, the Internal Revenue Service (IRS) may review and/or challenge specific interpretive tax positions taken by the Corporation with respect to those transactions. The Corporation believes that its tax returns were filed based upon applicable statutes, regulations and case law in effect at the time of the transactions. The IRS or other tax jurisdictions, an administrative authority or a court, if presented with the transactions, could disagree with the Corporation’s interpretation of the tax law. A reconciliation of the beginning and ending amount of net unrecognized tax benefits follows: (in millions) 2024 2023 2022 Balance at January 1 $ 7 $ 16 $ 18 Increase as a result of tax positions taken during a prior period — — (2) Increase as a result of tax positions taken during the current period 1 1 3 Decreases related to settlements with tax authorities — (10) (3) Reduction as a result of expiration of statute of limitations — — — Balance at December 31 $ 8 $ 7 $ 16 After consideration of the effect of the federal tax benefit available on unrecognized state tax benefits, the total amount of unrecognized tax benefits which, if recognized, would affect the Corporation’s effective tax rate was approximately $6 million and $5 million at December 31, 2024 and 2023, respectively. The following tax years for significant jurisdictions remain subject to examination as of December 31, 2024: Jurisdiction Tax Years Federal 2021-2023 New York 2018-2023 California 2020-2023 Based on current knowledge and probability assessment of various potential outcomes, the Corporation believes current tax reserves are adequate, and the amount of any potential incremental liability arising is not expected to have a material adverse effect on the Corporation’s consolidated financial condition or results of operations. Probabilities and outcomes are reviewed as events unfold, and adjustments to the reserves are made when necessary. The principal components of deferred tax assets and liabilities were as follows: (in millions) December 31 2024 2023 Deferred tax assets: Allowance for loan losses $ 145 $ 145 Deferred compensation 72 77 Deferred loan origination fees and costs 10 11 Net hedging losses 187 186 Net unrealized losses on investment securities available-for-sale 690 628 Operating lease liabilities 75 81 Other temporary differences, net 131 124 Total deferred tax assets before valuation allowance 1,310 1,252 Valuation allowance (11) (6) Total deferred tax assets 1,299 1,246 Deferred tax liabilities: Lease financing transactions (18) (20) Defined benefit plans (177) (159) Allowance for depreciation (9) (5) Leasing Right of Use assets (61) (67) Total deferred tax liabilities (265) (251) Net deferred tax assets $ 1,034 $ 995

Transactions with Related Parti

Transactions with Related Parties	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Transactions with Related Parties	TRANSACTIONS WITH RELATED PARTIES The Corporation’s banking subsidiaries had, and expect to have in the future, transactions with the Corporation’s directors and executive officers, companies with which these individuals are associated and certain related individuals. Such transactions were made in the ordinary course of business and included extensions of credit, leases and professional services. With respect to extensions of credit, all were made on substantially the same terms, including interest rates and collateral, as those prevailing at the same time for comparable transactions with other customers and did not, in management’s opinion, involve more than normal risk of collectibility or present other unfavorable features. The aggregate amount of loans attributable to persons who were related parties at December 31, 2024 totaled $81 million at the beginning of 2024 and $66 million at the end of 2024. During 2024, new loans to related parties aggregated $612 million and repayments totaled $627 million.

Regulatory Capital and Reserve

Regulatory Capital and Reserve Requirements	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Capital and Reserve Requirements	REGULATORY CAPITAL Banking regulations limit the transfer of assets in the form of dividends, loans or advances from the bank subsidiaries to the parent company. Under the most restrictive of these regulations, the aggregate amount of dividends which can be paid to the parent company, without prior approval from bank regulatory agencies, approximated $782 million at January 1, 2025, plus 2025 net profits. Substantially all the assets of the Corporation’s banking subsidiaries are restricted from transfer to the parent company of the Corporation in the form of loans or advances. The Corporation’s subsidiary banks declared dividends of $200 million, $675 million and $1.0 billion in 2024, 2023 and 2022, respectively. The Corporation and its U.S. banking subsidiaries are subject to various regulatory capital requirements administered by federal and state banking agencies under the Basel III regulatory framework (Basel III). This regulatory framework establishes comprehensive methodologies for calculating regulatory capital and risk-weighted assets (RWA). Basel III also set minimum capital ratios as well as overall capital adequacy standards. Under Basel III, regulatory capital comprises Common Equity Tier 1 (CET1) capital, additional Tier 1 capital and Tier 2 capital. CET1 capital predominantly includes common shareholders' equity, less certain deductions for goodwill, intangible assets and deferred tax assets that arise from net operating losses and tax credit carry-forwards. Additionally, the Corporation has elected to permanently exclude capital in accumulated other comprehensive income (AOCI) related to debt securities classified as available-for-sale as well as for cash flow hedges and defined benefit postretirement plans from CET1, an option available to standardized approach entities under Basel III. Tier 1 capital incrementally includes noncumulative perpetual preferred stock. Tier 2 capital includes Tier 1 capital as well as subordinated debt qualifying as Tier 2 and qualifying allowance for credit losses. In addition to the minimum risk-based capital requirements, the Corporation and its Bank subsidiaries are required to maintain a minimum capital conservation buffer, in the form of common equity, of 2.5 percent in order to avoid restrictions on capital distributions and discretionary bonuses. The Corporation computes RWA using the standardized approach. Under the standardized approach, RWA is generally based on supervisory risk-weightings which vary by counterparty type and asset class. Under the Basel III standardized approach, capital is required for credit risk RWA, to cover the risk of unexpected losses due to failure of a customer or counterparty to meet its financial obligations in accordance with contractual terms; and if trading assets and liabilities exceed certain thresholds, capital is also required for market risk RWA, to cover the risk of losses due to adverse market movements or from position-specific factors. Quantitative measures established by regulation to ensure capital adequacy require the maintenance of minimum amounts and ratios of CET1, Tier 1 and total capital (as defined in the regulations) to average and/or risk-weighted assets. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Corporation’s financial statements. At December 31, 2024 and 2023, the Corporation and its U.S. banking subsidiaries exceeded the ratios required for an institution to be considered “well capitalized.” For U.S. banking subsidiaries, those requirements were total risk-based capital, Tier 1 risk-based capital, CET1 risk-based capital and leverage ratios greater than 10 percent, 8 percent, 6.5 percent and 5 percent, respectively, at December 31, 2024 and 2023. For the Corporation, requirements to be considered "well capitalized" were total risk-based capital and Tier 1 risk-based capital ratios greater than 10 percent and 6 percent, respectively, at December 31, 2024 and 2023. There have been no conditions or events since December 31, 2024 that management believes have changed the capital adequacy classification of the Corporation or its U.S. banking subsidiaries. The following is a summary of the capital position of the Corporation and Comerica Bank, its principal banking subsidiary. (dollar amounts in millions) Comerica Comerica December 31, 2024 CET1 capital (minimum $3.3 billion (Consolidated)) $ 8,667 $ 8,547 Tier 1 capital (minimum $4.4 billion (Consolidated)) 9,061 8,547 Total capital (minimum $5.8 billion (Consolidated)) 10,363 9,799 Risk-weighted assets 72,903 72,833 Average assets (fourth quarter) 81,797 81,643 CET1 capital to risk-weighted assets (minimum-4.5%) 11.89 % 11.74 % Tier 1 capital to risk-weighted assets (minimum-6.0%) 12.43 11.74 Total capital to risk-weighted assets (minimum-8.0%) 14.21 13.45 Tier 1 capital to average assets (minimum-4.0%) 11.08 10.47 Capital conservation buffer (minimum-2.5%) 6.21 5.45 December 31, 2023 CET1 capital (minimum $3.4 billion (Consolidated)) $ 8,414 $ 8,007 Tier 1 capital (minimum $4.6 billion (Consolidated)) 8,808 8,007 Total capital (minimum $6.1 billion (Consolidated)) 10,263 9,362 Risk-weighted assets 75,901 75,783 Average assets (fourth quarter) 87,538 87,423 CET1 capital to risk-weighted assets (minimum-4.5%) 11.09 % 10.57 % Tier 1 capital to risk-weighted assets (minimum-6.0%) 11.60 10.57 Total capital to risk-weighted assets (minimum-8.0%) 13.52 12.35 Tier 1 capital to average assets (minimum-4.0%) 10.06 9.16 Capital conservation buffer (minimum-2.5%) 5.52 4.35

Contingent Liabilities

Contingent Liabilities	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Contingent Liabilities	CONTINGENT LIABILITIES Legal Proceedings and Regulatory Matters The Corporation is subject to various pending or threatened legal proceedings arising out of the normal course of business or operations. Use of the term "Corporation" in this note should not be read to infer that Comerica Incorporated or any of its subsidiaries that is not named in any legal or regulatory proceeding undertakes any responsibility or liability for any other affiliate that is actually named in any legal or regulatory proceeding. The Corporation believes it has meritorious defenses to the claims asserted against it in its currently outstanding legal proceedings and, with respect to such legal proceedings, intends to continue to defend itself vigorously, litigating or settling cases according to management’s judgment as to what is in the best interests of the Corporation and its shareholders. Settlement may result from the Corporation's determination that it may be more prudent financially to settle, rather than litigate, and should not be regarded as an admission of liability. Further, from time to time, the Corporation is also subject to examinations, inquiries and investigations by regulatory authorities in areas including, but not limited to, compliance, risk management and consumer protection, which could lead to administrative or legal proceedings or settlements. Remedies in resulting proceedings or settlements may include fines, penalties, restitution or alterations in the Corporation's business practices and may result in increased operating expenses or decreased revenues. For example, the Consumer Financial Protection Bureau (CFPB) launched an investigation into Comerica Bank as Financial Agent under the Bureau of Fiscal Service's Direct Express® program. In response to the CFPB's interpretation of certain statutes in connection with its investigation, Comerica Bank filed litigation against the CFPB in November 2024. The CFPB filed a separate suit against Comerica Bank in December 2024 premised upon its interpretation of certain statutes in connection with its investigation. The Corporation is unable to predict the outcome of this litigation at this time. On at least a quarterly basis, the Corporation assesses its potential liabilities and contingencies in connection with outstanding legal proceedings and regulatory matters utilizing the latest information available. On a case-by-case basis, accruals are established for those legal claims and regulatory matters for which it is probable that a loss will be incurred and the amount of such loss can be reasonably estimated. The actual costs of resolving these claims and regulatory matters may be substantially higher or lower than the amounts accrued. Based on current knowledge, and after consultation with legal counsel, the Corporation's management believes current accruals are adequate, and the amount of any incremental liability arising from these matters is not expected to have a material adverse effect on the Corporation’s consolidated financial condition, results of operations or cash flows. Legal fees of $21 million, $26 million and $17 million for the years ended December 31, 2024, 2023 and 2022, respectively, were included in other noninterest expenses on the Consolidated Statements of Income. For matters where a loss is not probable, the Corporation has not established an accrual. The Corporation believes the estimate of the aggregate range of reasonably possible losses, in excess of established accruals, for all legal proceedings and regulatory matters in which it is involved is from zero to approximately $161 million at December 31, 2024. This estimated aggregate range of reasonably possible losses is based upon currently available information for those legal proceedings and regulatory matters in which the Corporation is involved, taking into account the Corporation’s best estimate of such losses for those legal proceedings and regulatory matters for which such estimate can be made. For certain legal proceedings and regulatory matters, the Corporation does not believe that an estimate can currently be made. The Corporation’s estimate involves significant judgment, given the varying stages of the legal proceedings and regulatory matters (including the fact that many are currently in preliminary stages), the existence in certain legal proceedings of multiple defendants (including the Corporation) whose share of liability has yet to be determined, the numerous unresolved issues in many of the legal proceedings and regulatory matters (including issues regarding class certification and the scope of many of the claims) and the attendant uncertainty of the various potential outcomes of such legal proceedings and regulatory matters. Accordingly, the Corporation’s estimate will change from time to time, and actual losses may be more or less than the current estimate. In the event of unexpected future developments, it is possible the ultimate resolution of these matters, if unfavorable, could have a material adverse effect on the Corporation's consolidated financial condition, results of operations or cash flows. For information regarding income tax contingencies, refer to Note 18.

Business Segment Information

Business Segment Information	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Business Segment Information	STRATEGIC LINES OF BUSINESS The Corporation has strategically aligned its operations into three major business segments: the Commercial Bank, the Retail Bank and Wealth Management. These business segments are differentiated based on the type of customer and the related products and services provided. In addition to the three major business segments, the Finance and Other categories include items not directly associated with the business segments. Business segment results are produced by the Corporation’s internal management accounting system. This system measures financial results based on the internal business unit structure of the Corporation. The performance of the business segments is not comparable with the Corporation's consolidated results and is not necessarily comparable with similar information for any other financial institution. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities. The management accounting system assigns balance sheet and income statement items to each business segment using certain methodologies, which are regularly reviewed and refined. From time to time, the Corporation may make reclassifications among the segments to more appropriately reflect management's current view of the segments, and methodologies may be modified as the management accounting system is enhanced and changes occur in the organizational structure and/or product lines. For comparability purposes, amounts in all periods are based on business unit structure and methodologies in effect at December 31, 2024. For the Commercial Bank, Retail Bank and Wealth Management segments, the Corporation's chief operating decision maker, the Chief Executive Officer, uses both segment net interest income and segment net income (loss) to allocate resources predominantly in the annual budget and forecasting process, which includes allocations of employees, property, financial and/or capital resources. The chief operating decision maker considers budget-to-actual variances on a monthly basis for both profit measures when making decisions about allocating capital and personnel to each segment. Additionally, segment net interest income is used to evaluate product pricing and lending terms for customer loans, while segment net income (loss) helps evaluate the performance for each segment and compensation of certain employees. Net interest income for each segment reflects the interest income generated by earning assets less interest expense on interest-bearing liabilities plus the net impact from associated internal funds transfer pricing (FTP) funding credits and charges. The FTP methodology allocates credits to each business segment for deposits and other funds provided as well as charges for loans and other assets being funded. This credit or charge is based on matching stated or implied maturities for these assets and liabilities. The FTP crediting rates on deposits and other funds provided reflect the long-term value of deposits and other funding sources based on their implied maturity. Due to the longer-term nature of implied maturities, FTP crediting rates are generally less volatile than changes in interest rates observed in the market. FTP charge rates for funding loans and other assets reflect a matched cost of funds based on the pricing and duration characteristics of the assets. As a result of applying matched funding, interest revenue for each segment resulting from loans and other assets is generally not impacted by changes in interest rates. Therefore, net interest income for each segment primarily reflects the volume of loans and other earning assets at the spread over the matched cost of funds, as well as the volume of deposits at the associated FTP crediting rates. Generally, in periods of rising interest rates, FTP charge rates for funding loans and FTP crediting rates on deposits will increase, with FTP crediting rates for deposits typically repricing at a slower pace than FTP charge rates for funding loans. Conversely, in periods of declining interest rates, FTP charge rates for funding loans and FTP crediting rates on deposits will decrease, with FTP crediting rates for deposits typically repricing at a slower pace than FTP charge rates for funding loans. For acquired loans and deposits, matched maturity funding is determined based on origination date. Accordingly, the FTP process reflects the transfer of interest rate risk exposures to the Corporate Treasury department within the Finance category, where such exposures are centrally managed. The allowance for credit losses is allocated to the business segments based on the methodology used to estimate the consolidated allowance for credit losses described in Note 1. The related provision for credit losses is assigned based on the amount necessary to maintain an allowance for credit losses appropriate for each business segment. Noninterest income and expenses directly attributable to a line of business are assigned to that business segment. Direct expenses incurred by areas whose services support the overall Corporation are allocated to the business segments as follows: product processing expenditures are allocated based on standard unit costs applied to actual volume measurements; administrative expenses are allocated based on estimated time expended; and corporate overhead is assigned 50 percent based on the ratio of the business segment’s noninterest expenses to total noninterest expenses incurred by all business segments and 50 percent based on the ratio of the business segment’s attributed equity to total attributed equity of all business segments. Equity is attributed based on credit, operational and interest rate risks. Most of the equity attributed relates to credit risk, which is determined based on the credit score and expected remaining life of each loan, letter of credit and unused commitment recorded in the business segments. Operational risk is allocated based on loans and letters of credit, deposit balances, non-earning assets, trust assets under management, certain noninterest income items, and the nature and extent of expenses incurred by business units. Virtually all interest rate risk is assigned to Finance, as are the Corporation’s hedging activities. The following discussion provides information about the activities of each business segment. A discussion of the financial results and the factors impacting 2024 performance can be found in "Strategic Lines of Business" section of the financial review. The Commercial Bank meets the needs of small and middle market businesses, multinational corporations and governmental entities by offering various products and services including commercial loans and lines of credit, deposits, cash management, payment solutions, card services, capital market products, international trade finance and letters of credit. The Retail Bank includes a full range of personal financial services, consisting of consumer lending, consumer deposit gathering and mortgage loan origination. This business segment offers a variety of consumer products, including deposit accounts, installment loans, credit cards, home equity lines of credit and residential mortgage loans. In addition, this business segment offers products and services to small businesses who are serviced through a team of dedicated small business bankers and our branch network. Wealth Management provides products and services to affluent, high-net worth and ultra-high-net-worth individuals and families, business owners and executives, and institutional clients, including comprehensive financial planning, trust and fiduciary services, investment management and advisory, brokerage, private banking, and business transition planning services. The Finance category includes the Corporation’s securities portfolio and asset and liability management activities. Finance is responsible for managing the Corporation’s funding, liquidity and capital needs, performing interest sensitivity analysis and executing various strategies to manage the Corporation’s exposure to liquidity, interest rate risk and foreign exchange risk. The Other category includes tax benefits not assigned to specific business segments, charges of an unusual or infrequent nature that are not reflective of the normal operations of the business segments and miscellaneous other expenses of a corporate nature. Business segment financial results are as follows: (dollar amounts in millions) Commercial Retail Wealth Management Finance Other Total Year Ended December 31, 2024 Earnings summary: Net interest income (expense) $ 1,869 $ 813 $ 187 $ (838) $ 159 $ 2,190 Provision for credit losses 47 2 (2) — 2 49 Noninterest income 592 112 287 50 13 1,054 Salaries and benefits expense 299 224 136 56 637 1,352 Outside processing fee expense 195 19 41 5 13 273 Occupancy expense 23 103 12 3 40 181 Allocated corporate expense 415 272 128 (70) (745) — All other noninterest expenses (a) 117 89 56 11 228 501 Total noninterest expenses 1,049 707 373 5 173 2,307 Provision (benefit) for income taxes 295 48 23 (179) 3 190 Net income (loss) $ 1,070 $ 168 $ 80 $ (614) $ (6) $ 698 Net charge-offs $ 47 $ 4 $ 1 $ — $ — $ 52 Selected average balances: Assets $ 45,859 $ 3,038 $ 5,310 $ 18,400 $ 7,961 $ 80,568 Loans 43,584 2,335 5,050 — 10 50,979 Deposits 32,264 24,292 3,894 3,179 272 63,901 Year Ended December 31, 2023 Earnings summary: Net interest income (expense) $ 2,051 $ 846 $ 208 $ (693) $ 102 $ 2,514 Provision for credit losses 90 3 (6) — 2 89 Noninterest income 603 119 307 37 12 1,078 Salaries and benefits expense 295 222 171 45 573 1,306 Outside processing fee expense 201 20 35 7 14 277 Occupancy expense 23 98 12 2 36 171 Allocated corporate expense 377 263 120 (59) (701) — All other noninterest expenses (a) 210 125 64 18 188 605 Total noninterest expenses 1,106 728 402 13 110 2,359 Provision (benefit) for income taxes 342 58 29 (164) (2) 263 Net income (loss) $ 1,116 $ 176 $ 90 $ (505) $ 4 $ 881 Net charge-offs $ 20 $ 2 $ — $ — $ — $ 22 Selected average balances: Assets $ 49,458 $ 2,960 $ 5,500 $ 20,139 $ 9,137 $ 87,194 Loans 46,432 2,237 5,232 — 2 53,903 Deposits 33,019 24,363 4,130 4,169 337 66,018 Table continues on the following page. (dollar amounts in millions) Commercial Bank Retail Wealth Management Finance Other Total Year Ended December 31, 2022 Earnings summary: Net interest income (expense) $ 1,761 $ 680 $ 199 $ (195) $ 21 $ 2,466 Provision for credit losses 32 11 9 — 8 60 Noninterest income 607 122 298 59 (18) 1,068 Salaries and benefits expense 275 226 154 44 509 1,208 Outside processing fee expense 185 22 27 4 13 251 Occupancy expense 21 107 12 2 33 175 Allocated corporate expense 394 241 120 (55) (700) — All other noninterest expenses (a) 89 94 35 6 140 364 Total noninterest expenses 964 690 348 1 (5) 1,998 Provision (benefit) for income taxes 315 22 34 (39) (7) 325 Net income (loss) $ 1,057 $ 79 $ 106 $ (98) $ 7 $ 1,151 Net charge-offs (recoveries) $ 21 $ (1) $ (3) $ — $ — $ 17 Selected average balances: Assets $ 47,437 $ 2,814 $ 5,037 $ 20,912 $ 11,072 $ 87,272 Loans 43,481 2,063 4,906 — 10 50,460 Deposits 42,584 26,672 5,439 360 426 75,481 (a) All other noninterest expenses for each reportable business segment includes: i. Commercial Bank and Retail Bank - Primarily FDIC insurance expense, software expense and other noninterest expenses. ii. Wealth Management - Primarily software expense and other noninterest expenses.

Parent Company Financial Statem

Parent Company Financial Statements	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Parent Company Financial Statments	PARENT COMPANY FINANCIAL STATEMENTS BALANCE SHEETS - COMERICA INCORPORATED (in millions, except share data) December 31 2024 2023 Assets Cash and due from subsidiary banks $ 1,218 $ 1,415 Investment securities 35 — Other short-term investments 89 104 Receivable due from subsidiary bank 850 — Investment in subsidiaries, principally banks 6,212 5,777 Accrued income and other assets 220 180 Total assets $ 8,624 $ 7,476 Liabilities and Shareholders’ Equity Medium- and long-term debt $ 1,746 $ 764 Accrued expenses and other liabilities 335 306 Total liabilities 2,081 1,070 Fixed-rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares Issued - 4,000 shares 394 394 Common stock - $5 par value: Authorized - 325,000,000 shares Issued - 228,164,824 shares 1,141 1,141 Capital surplus 2,218 2,224 Accumulated other comprehensive loss (3,161) (3,048) Retained earnings 12,017 11,727 Less cost of common stock in treasury - 96,755,368 shares at 12/31/2024 and 96,266,568 shares at 12/31/2023 (6,066) (6,032) Total shareholders’ equity 6,543 6,406 Total liabilities and shareholders’ equity $ 8,624 $ 7,476 STATEMENTS OF INCOME - COMERICA INCORPORATED (in millions) Years Ended December 31 2024 2023 2022 Income Income from subsidiaries: Dividends from subsidiaries $ 200 $ 677 $ 1,067 Other interest income 58 53 13 Intercompany management fees 85 75 109 Total income 343 805 1,189 Expenses Interest on medium- and long-term debt 124 79 47 Salaries and benefits expense 71 62 53 Other noninterest expenses 15 13 46 Total expenses 210 154 146 Income before benefit for income taxes and equity in undistributed earnings of subsidiaries 133 651 1,043 Benefit for income taxes (11) (2) (3) Income before equity in undistributed earnings of subsidiaries 144 653 1,046 Equity in undistributed earnings of subsidiaries, principally banks 554 228 105 Net income 698 881 1,151 Less income allocated to participating securities 4 4 6 Preferred stock dividends 23 23 23 Net income attributable to common shares $ 671 $ 854 $ 1,122 STATEMENTS OF CASH FLOWS - COMERICA INCORPORATED (in millions) Years Ended December 31 2024 2023 2022 Operating Activities Net income $ 698 $ 881 $ 1,151 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiaries, principally banks (554) (228) (105) Net periodic defined benefit cost 1 1 2 Share-based compensation expense 20 18 22 Benefit for deferred income taxes (8) (2) — Other, net 21 28 24 Net cash provided by operating activities 178 698 1,094 Investing Activities Investment securities available-for-sale: Maturities and redemptions 70 — — Purchases (103) — — Advance to subsidiary bank (850) — — Repayment of subsidiary advance — 150 — Other, net — — 2 Net cash (used in) provided by investing activities (883) 150 2 Financing Activities Medium- and long-term debt: Maturities — (850) — Issuances 1,000 — — Cash dividends paid on preferred stock (23) (23) (23) Common Stock: Repurchases (100) — (36) Stock tendered for payment of withholding taxes (14) (17) (7) Cash dividends paid (377) (371) (353) Issuances under employee stock plans 22 18 28 Net cash provided by (used in) financing activities 508 (1,243) (391) Net (decrease) increase in cash and cash equivalents (197) (395) 705 Cash and cash equivalents at beginning of period 1,415 1,810 1,105 Cash and cash equivalents at end of period $ 1,218 $ 1,415 $ 1,810 Interest paid $ 115 $ 76 $ 41

Revenue from Contracts with Cus

Revenue from Contracts with Customers Revenue from Contracts with Customers	12 Months Ended
	Dec. 31, 2024
Revenue from Contracts with Customers [Abstract]
Revenue from Contract with Customer	REVENUE FROM CONTRACTS WITH CUSTOMERS Revenue from contracts with customers comprises the noninterest income earned by the Corporation in exchange for services provided to customers. The following table presents the composition of revenue from contracts with customers, segregated from other sources of noninterest income, by business segment. Commercial Retail Wealth Management Finance & Other Total (in millions) Year Ended December 31, 2024 Revenue from contracts with customers: Card fees $ 212 $ 40 $ 4 $ — $ 256 Fiduciary income 1 — 219 — 220 Service charges on deposit accounts 124 54 6 — 184 Commercial loan servicing fees (a) 12 — — — 12 Capital markets income (b) 22 — — — 22 Brokerage fees — 1 50 — 51 Other noninterest income (b) 7 14 5 1 27 Total revenue from contracts with customers 378 109 284 1 772 Other sources of noninterest income 214 3 3 62 282 Total noninterest income $ 592 $ 112 $ 287 $ 63 $ 1,054 Year Ended December 31, 2023 Revenue from contracts with customers: Card fees $ 231 $ 45 $ 4 $ — $ 280 Fiduciary income 1 — 234 — 235 Service charges on deposit accounts 125 55 5 — 185 Commercial loan servicing fees (a) 11 — — — 11 Capital markets income (b) 17 — — — 17 Brokerage fees — — 30 — 30 Other noninterest income (b) 2 14 23 1 40 Total revenue from contracts with customers 387 114 296 1 798 Other sources of noninterest income 216 5 11 48 280 Total noninterest income $ 603 $ 119 $ 307 $ 49 $ 1,078 Year Ended December 31, 2022 Revenue from contracts with customers: Card fees $ 227 $ 42 $ 4 $ — $ 273 Fiduciary income — — 233 — 233 Service charges on deposit accounts 132 57 6 — 195 Commercial loan servicing fees (a) 11 — — — 11 Capital markets income (b) 11 — — — 11 Brokerage fees — — 21 — 21 Other noninterest income (b) 3 16 24 1 44 Total revenue from contracts with customers 384 115 288 1 788 Other sources of noninterest income 223 7 10 40 280 Total noninterest income $ 607 $ 122 $ 298 $ 41 $ 1,068 (a) Included in commercial lending fees on the Consolidated Statements of Income. (b) Excludes derivative, warrant and other miscellaneous income. Revenue from contracts with customers did not generate significant contract assets and liabilities.

Leases (Notes)

Leases (Notes)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Leases [Text Block]	LEASES As a lessee, the Corporation has entered into operating leases for the majority of its real estate locations, primarily retail and office space. Total lease expense for the years ended December 31, 2024, 2023 and 2022 were as follows: (in millions) Years Ended December 31 2024 2023 2022 Operating lease expense $ 69 $ 67 $ 68 Variable lease expense 19 18 17 Less: sublease income (1) (1) (1) Total lease expense $ 87 $ 84 $ 84 Supplemental balance sheet information related to leases is summarized as follows: (dollar amounts in millions) Years Ended December 31 2024 2023 2022 Included in accrued income and other assets Right-of-use (ROU) assets $ 292 $ 317 $ 338 Included in accrued expenses and other liabilities Operating lease liabilities 357 388 406 Weighted average discount rate 3.92 % 3.72 % 3.53 % Weighted average remaining lease term in years 8 9 9 Supplemental cash flow information related to leases is summarized as follows: (in millions) Years Ended December 31 2024 2023 2022 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 80 $ 69 $ 66 ROU assets obtained in exchange for new liabilities 27 28 80 As of December 31, 2024, the contractual maturities of operating lease liabilities were as follows: (in millions) Years Ended December 31 2025 $ 67 2026 67 2027 56 2028 48 2029 36 Thereafter 149 Total contractual maturities 423 Less imputed interest (66) Total operating lease liabilities $ 357 As a lessor, the Corporation leases certain types of manufacturing and warehouse equipment as well as public and private transportation vehicles to its customers. The Corporation recognized lease-related revenue, primarily interest income from sales-type and direct financing leases of $47 million, $40 million and $21 million for the years ended December 31, 2024, 2023 and 2022, respectively. The Corporation's net investment in sales-type and direct financing leases was $675 million and $761 million at December 31, 2024 and 2023, respectively. As of December 31, 2024, the contractual maturities of sales-type and direct financing lease receivables were as follows: (in millions) Years Ended December 31 2025 $ 136 2026 96 2027 68 2028 55 2029 49 Thereafter 245 Total lease payments receivable 649 Unguaranteed residual values 51 Less deferred interest income (25) Total lease receivables (a) $ 675 (a) Excludes net investment in leveraged leases of $47 million.

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	As such, Comerica uses a library of processes, risk and controls to assess, identify and manage cybersecurity risks. Comerica measures such risks in part by estimating the likelihood and potential impact of incidents. Comerica seeks to manage such risks by designing, documenting, and implementing controls, testing those controls through compliance assessments and internal and external audits and, in some cases, by transferring the risk in whole or in part through methods such as insurance. When an incident occurs, Comerica works to remediate the incident while complying with its regulatory obligations, and then evaluate the remediation for effectiveness. Comerica communicates on risk management matters through documented policies and procedures, management and Board committee reporting, and training and other employee communications.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	Managing technology risks, including risks related to cybersecurity, is an integral part of Comerica’s enterprise risk management framework and processes.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Text Block]	For a description of how cybersecurity risks may materially affect Comerica’s business strategy or results, see "Item 1A. Risk Factors.” To date, there have been no risks from cybersecurity threats, including as a result of any previous cybersecurity incidents, that have materially affected or are reasonably likely to materially affect Comerica's business strategy, financial condition or results of operations.
Cybersecurity Risk Board of Directors Oversight [Text Block]	Board members have direct access to senior management (and others, at their request) on matters related to cybersecurity threats and may direct questions to senior management and request further information as they see fit to fulfill their oversight responsibilities.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Board’s Enterprise Risk Committee oversees Comerica’s risk management policies, procedures and practices, including those related to cybersecurity. Senior management generally reports quarterly, or more often as necessary, to the Enterprise Risk Committee on technology risks, including risks from cybersecurity threats. The Board’s Audit Committee and the Board as a whole, also receive such reports as part of their risk management oversight roles.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	Senior management generally reports quarterly, or more often as necessary, to the Enterprise Risk Committee on technology risks, including risks from cybersecurity threats.
Cybersecurity Risk Role of Management [Text Block]	They report significant matters to enterprise-wide risk committees overseeing the broad scope of risk management for the enterprise as appropriate. Through these and other efforts, senior management makes decisions and sets priorities in allocating resources to address risk management issues.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Senior management at Comerica governs risk management and is informed about, and monitors the prevention, detection, mitigation and mediation of cybersecurity incidents, in part through working review committees on which our Chief Information Security Officer and/or Chief Information Officer serve.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	Comerica engages information technology risk management employees with experience and expertise in cybersecurity. The organization consists of professionals in identity and access management, cyber defense operations, security engineering and information technology governance, risk and compliance. An Executive Vice President/ Chief Information Security Officer (with over 25 years’ experience in cybersecurity risk management) and a Chief Information Officer (with over 27 years’ experience in technology risk management) lead this team.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	Each review committee receives risk management reports appropriate to its scope of review, covering matters such as assessment results, risk ratings and critical issues.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Basis of Presentation and Acc_2

Basis of Presentation and Accounting Policies Basis of Presentation and Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of the Corporation and the accounts of those subsidiaries that are majority owned and in which the Corporation has a controlling financial interest. The Corporation consolidates entities not determined to be variable interest entities (VIEs) when it holds a controlling financial interest and generally applies the cost or equity method when it holds less than a controlling financial interest. In consolidation, all significant intercompany accounts and transactions are eliminated. The results of operations of companies acquired are included from the date of acquisition. The Corporation holds investments in certain legal entities that are considered VIEs. In general, a VIE is an entity that either (1) has an insufficient amount of equity to carry out its principal activities without additional subordinated financial support, (2) has a group of equity owners that are unable to make significant decisions about its activities, or (3) has a group of equity owners that do not have the obligation to absorb their proportionate share of losses or the right to receive their proportionate share of returns generated by its operations. If any of these characteristics are present, the entity is subject to a variable interests consolidation model, and consolidation is based on variable interests, not on voting interests. Variable interests are defined as contractual ownership or other economic interests in an entity that change with fluctuations in the fair value of the entity’s net assets. The primary beneficiary is required to consolidate the VIE as it has both the power to direct the activities of the VIE that most significantly impact the entity’s economic performance and the obligation to absorb losses or the right to receive benefits that could be significant to the VIE. The maximum potential exposure to losses relative to investments in VIEs is generally limited to the sum of the outstanding book basis and unfunded commitments for future investments. The Corporation evaluates its investments in VIEs, both at inception and when there is a change in circumstances that requires reconsideration, to determine if the Corporation is the primary beneficiary and consolidation is required. The Corporation accounts for unconsolidated VIEs using either the proportional, cost or equity method. These investments comprise of investments in certain tax equity structures which generate tax credits to their investors and are included in accrued income and other assets on the Consolidated Balance Sheets. The proportional method is used for investments in tax equity structures meeting certain criteria and that qualify for tax credits such as qualified affordable housing projects and expansion into new markets. The equity method is used for other investments where the Corporation has the ability to exercise significant influence over an entity’s or its underlying project's operations and financial policies. Other unconsolidated equity investments that do not meet the criteria to be accounted for under the equity method are accounted for under the cost method. Amortization and other write-downs of proportional amortization method investments are presented on a net basis as a component of the provision for income taxes, while income, amortization and write-downs from cost and equity method investments are recorded in other noninterest income on the Consolidated Statements of Income. See Note 9 for additional information about the Corporation’s involvement with VIEs. Assets held in an agency or fiduciary capacity are not assets of the Corporation and are not included in the consolidated financial statements.
Fair Value Measurements	Fair Value Measurements The Corporation utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The determination of fair values of financial instruments often requires the use of estimates. In cases where quoted market values in an active market are not available, the Corporation uses present value techniques and other valuation methods to estimate the fair values of its financial instruments. These valuation methods require considerable judgment and the resulting estimates of fair value can be significantly affected by the assumptions made and methods used. Fair value is an estimate of the exchange price that would be received to sell an asset or paid to transfer a liability in an orderly transaction (i.e., not a forced transaction, such as a liquidation or distressed sale) between market participants at the measurement date. Fair value is based on the assumptions market participants would use when pricing an asset or liability. Investment securities available-for-sale, derivatives, deferred compensation plans and equity securities with readily determinable fair values (primarily money market mutual funds) are recorded at fair value on a recurring basis. Additionally, from time to time, the Corporation may be required to record other assets and liabilities at fair value on a nonrecurring basis, such as impaired loans, loans held for sale, other real estate (primarily foreclosed property), nonmarketable equity securities and certain other assets and liabilities. These nonrecurring fair value adjustments typically involve write-downs of individual assets or application of lower of cost or fair value accounting. Fair value measurements and disclosures guidance establishes a three-level fair value hierarchy based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The fair value hierarchy gives the highest priority to quoted prices in active markets and the lowest priority to unobservable data. Fair value measurements are separately disclosed by level within the fair value hierarchy. For assets and liabilities recorded at fair value, it is the Corporation’s policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements. Level 1 Valuation is based on quoted prices for identical instruments traded in active markets. Level 2 Valuation is based on quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are less active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 3 Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. The Corporation generally utilizes third-party pricing services to value Level 1 and Level 2 securities. Management reviews the methodologies and assumptions used by the third-party pricing services and evaluates the values provided, principally by comparison with other available market quotes for similar instruments and/or analysis based on internal models using available third-party market data. The Corporation may occasionally adjust certain values provided by the third-party pricing service when management believes, as the result of its review, that the adjusted price most appropriately reflects the fair value of the particular security. Fair value measurements for assets and liabilities where limited or no observable market data exists are based primarily upon estimates, often calculated based on the economic and competitive environment, the characteristics of the asset or liability and other factors. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset or liability. Additionally, there may be inherent weaknesses in any calculation technique, so that changes in the underlying assumptions used, including discount rates and estimates of future cash flows, could significantly affect the results of current or future values. Following are descriptions of the valuation methodologies and key inputs used to measure financial assets and liabilities recorded at fair value, as well as a description of the methods and significant assumptions used to estimate fair value disclosures for financial instruments not recorded at fair value in their entirety on a recurring basis. The descriptions include an indication of the level of the fair value hierarchy in which the assets or liabilities are classified. Deferred compensation plan assets and liabilities as well as equity securities with a readily determinable fair value The Corporation holds a portfolio of securities that includes equity securities and assets held related to deferred compensation plans. Securities and associated deferred compensation plan liabilities are recorded at fair value on a recurring basis and included in other short-term investments and accrued expenses and other liabilities, respectively, on the Consolidated Balance Sheets. Level 1 securities include assets related to deferred compensation plans, which are invested in mutual funds, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and other securities traded on an active exchange, such as the New York Stock Exchange. Level 2 securities include municipal bonds and mortgage-backed securities issued by U.S. government-sponsored entities and corporate debt securities. Deferred compensation plan liabilities represent the fair value of the obligation to the plan participant, which corresponds to the fair value of the invested assets. The methods used to value equity securities and deferred compensation plan assets are the same as the methods used to value investment securities, discussed below. Investment securities available-for-sale Investment securities available-for-sale are recorded at fair value on a recurring basis. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by U.S. government agencies and U.S. government-sponsored entities, as well as corporate debt securities. The fair value of Level 2 securities is determined using quoted prices of securities with similar characteristics, or pricing models based on observable market data inputs, primarily interest rates, spreads and prepayment information. Securities classified as Level 3 represent securities in less liquid markets requiring significant management assumptions when determining fair value. Loans held-for-sale Loans held-for-sale, included in other short-term investments on the Consolidated Balance Sheets, are recorded at the lower of cost or fair value. Loans held-for-sale may be carried at fair value on a nonrecurring basis when fair value is less than cost. When the fair value is based on what secondary markets are currently offering for portfolios with similar characteristics, the loans are classified as Level 2. When secondary market information is not available, the fair value is estimated based on the repricing frequency of the loans and estimated credit risk using internally-developed lifetime loss estimates, resulting in the loans being classified as Level 3. Loans The Corporation does not record loans at fair value on a recurring basis. However, an individual allowance may be established for a loan that no longer shares risk characteristics with loan pools, typically collateral-dependent loans for which reserves are based on the fair value of the underlying collateral. Such loan values are reported as nonrecurring fair value measurements. Collateral values supporting individually evaluated loans are evaluated quarterly. When management determines that the fair value of the collateral requires additional adjustments, either as a result of non-current appraisal value or when there is no observable market price, the Corporation classifies the loan as Level 3. Derivative assets and derivative liabilities Derivative instruments held or issued for risk management or customer-initiated activities are traded in over-the-counter markets where quoted market prices are not readily available. Fair value for over-the-counter derivative instruments is measured on a recurring basis using internally developed models primarily based on market observable inputs, such as yield curves and option volatilities. The Corporation manages credit risk on its derivative positions based on whether the derivatives are settled through a clearinghouse or bilaterally with each counterparty. For derivative positions settled on a counterparty-by-counterparty basis, the Corporation calculates credit valuation adjustments, included in the fair value of these instruments, on the basis of its relationships at the counterparty portfolio or master netting agreement level. These credit valuation adjustments are determined by applying a credit spread for the counterparty or the Corporation, as appropriate, to the total expected exposure of the derivative after considering collateral and other master netting arrangements. These adjustments, which are considered Level 3 inputs, are based on estimates of current credit spreads to evaluate the likelihood of default. When credit valuation adjustments are significant to the overall fair value of a derivative, the Corporation classifies the over-the-counter derivative valuation in Level 3 of the fair value hierarchy; otherwise, over-the-counter derivative valuations are classified in Level 2. Other real estate Other real estate is included in accrued income and other assets on the Consolidated Balance Sheets and includes primarily foreclosed property. Foreclosed property is initially recorded at fair value, less costs to sell, at the date of legal title transfer to the Corporation, establishing a new cost basis. Subsequently, foreclosed property is carried at the lower of cost or fair value, less costs to sell. Other real estate may be carried at fair value on a nonrecurring basis when fair value is less than cost. Fair value is based upon independent market prices, appraised value or management's estimate of the value of the property. When management determines that the fair value of other real estate requires additional adjustments, either as a result of a non-current appraisal or when there is no observable market price, the Corporation classifies the other real estate as Level 3. For further information about fair value measurements refer to Note 2.
Other Short-Term Investments	Other Short-Term Investments Other short-term investments include deferred compensation plan assets, certificates of deposits, equity securities with a readily determinable fair value and loans held-for-sale. Deferred compensation plan assets and equity securities are carried at fair value. Realized and unrealized gains or losses are included in other noninterest income on the Consolidated Statements of Income. Loans held-for-sale include variable-rate demand notes, residential mortgages originated with the intent to sell and occasionally other loans transferred to held-for-sale. Loans held-for-sale are carried at the lower of cost or fair value. Fair value is determined in the aggregate for each portfolio. Changes in fair value and gains or losses upon sale are included in other noninterest income on the Consolidated Statements of Income.
Investment Securities	Investment Securities Debt securities are classified as trading, available-for-sale (AFS) or held-to-maturity. Trading securities are recorded at fair value, with unrealized gains and losses included in noninterest income on the Consolidated Statements of Income. AFS securities are recorded at fair value, with unrealized gains and losses, net of income taxes, reported as a separate component of other comprehensive income (OCI). Securities for which management has the intent and ability to hold to maturity are classified as held-to-maturity and recorded at amortized cost. Interest income is recognized using the interest method. Substantially all of the Corporation's investment securities are classified as AFS at December 31, 2024 and 2023. An AFS security is impaired if its fair value is less than amortized cost. Credit-related impairment is recognized as an allowance to investment securities available-for-sale on the Consolidated Balance Sheets with a corresponding adjustment to provision for credit losses on the Consolidated Statements of Income. Non-credit-related impairment is recognized as a component of OCI. If the Corporation intends to sell an impaired AFS security or more likely than not will be required to sell that security before recovering its amortized cost basis, the entire impairment amount is recognized in earnings with corresponding adjustment to the security's amortized cost basis. For certain types of AFS securities, such as U.S. Treasuries and other securities with government guarantees, the Corporation generally expects zero credit losses. The zero-loss expectation applies to all the Corporation’s securities and no allowance for credit losses was recorded on its AFS securities portfolio at December 31, 2024. Gains or losses on the sale of securities are computed based on the adjusted cost of the specific security sold. For further information on investment securities, refer to Note 3.
Loans	Loans Loans and leases originated and held for investment are recorded at the principal balance outstanding, net of unearned income, charge-offs and unamortized deferred fees and costs. Interest income is recognized on loans and leases using the interest method. The Corporation assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof (collectively referred to as Financially Distressed Modifications or FDMs).
Loan Origination Fees and Costs	Loan Origination Fees and Costs Substantially all loan origination fees and costs are deferred and amortized to net interest income over the life of the related loan or over the commitment period as a yield adjustment. Net deferred income on originated loans, including unearned income and unamortized costs, fees, premiums and discounts, totaled $92 million and $94 million at December 31, 2024 and 2023, respectively. Loan fees on unused commitments and net origination fees related to loans sold are recognized in noninterest income.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses includes both the allowance for loan losses and the allowance for credit losses on lending-related commitments. The Corporation disaggregates the loan portfolio into segments for purposes of determining the allowance for credit losses. These segments are based on the level at which the Corporation develops, documents and applies a systematic methodology to determine the allowance for credit losses. The Corporation's portfolio segments are business loans and retail loans. Business loans include the commercial, real estate construction, commercial mortgage, lease financing and international loan portfolios. Retail loans consist of residential mortgage and consumer loans, including home equity loans. Current expected credit losses are estimated over the contractual life of the loan portfolio, considering all available relevant information, including historical and current conditions as well as reasonable and supportable forecasts of future events. For further information on the Allowance for Credit Losses, refer to Note 4. Allowance for Loan Losses The allowance for loan losses is estimated on a quarterly basis and represents management’s estimates of current expected credit losses in the Corporation’s loan portfolio. Pools of loans with similar risk characteristics are collectively evaluated while loans that no longer share risk characteristics with loan pools are evaluated individually. Collective loss estimates are determined by applying loss factors, designed to estimate current expected credit losses, to amortized cost balances over the remaining contractual life of the collectively evaluated portfolio. Loans with similar risk characteristics are aggregated into homogeneous pools. Business loans are assigned to pools based primarily on business line and the Corporation’s internal risk rating system. For retail loans, pools are based on loan type, past due status and credit scores. Loss factors are based on an estimated probability of default for each pool, set to a default horizon based on contractual life, and loss given default. Historical estimates are calibrated to economic forecasts over the reasonable and supportable forecast period based on the projected performance of specific economic variables that statistically correlate with each of the probability of default and loss given default pools. At least annually, management considers different models when estimating credit losses, selecting ones that most reasonably forecast credit losses in the relevant economic environment. The calculation of current expected credit losses is inherently subjective, as it requires management to exercise judgment in determining appropriate factors used to determine the allowance. Some of the most significant factors in the quantitative allowance estimate are assigning internal risk ratings to loans, selecting the economic forecasts used to calibrate the reserve factors and determining the reasonable and supportable forecast period. • Internal Risk Ratings : Loss factors are dependent on loan risk ratings for business loans. Risk ratings are assigned at origination, based on inherent credit risk, and updated based on new information that becomes available, periodic reviews of credit quality, a change in borrower performance or modifications to lending agreements. • Economic Forecasts: Management selects economic variables it believes to be most relevant based on the composition of the loan portfolio and customer base, including forecasted levels of employment, gross domestic product, corporate bond and treasury spreads, industrial production levels, consumer and commercial real estate price indices as well as housing statistics. Different economic forecast scenarios ranging from more benign to more severe are evaluated each reporting period to forecast losses over the contractual life of the loan portfolio. • Forecast Period : Economic forecasts are applied over the period management believes it can estimate reasonable and supportable forecasts. Forecast periods may be adjusted in response to changes in the economic environment. To estimate losses for contractual periods that extend beyond the forecast horizon, the Corporation reverts to an average historical loss experience. The Corporation typically forecasts economic variables over a two-year horizon, followed by an immediate reversion to an average historical loss experience that generally incorporates a full economic cycle. Management reviews this methodology on at least an annual basis. The allowance for loan losses also includes qualitative adjustments to bring the allowance to the level management believes is appropriate based on factors that have not otherwise been fully accounted for, including adjustments for foresight risk, input imprecision and model imprecision. Foresight risk reflects the inherent imprecision in forecasting economic variables, including determining the depth and duration of economic cycles and their impact to relevant economic variables. The Corporation may make qualitative adjustments based on its evaluation of different forecast scenarios and known recent events impacting relevant economic variables. Input imprecision factors address the risk that certain model inputs may not reflect all available information including (i) risk factors that have not been fully addressed in internal risk ratings, (ii) changes in lending policies and procedures, (iii) changes in the level and quality of experience held by lending management, (iv) imprecision in the risk rating system and (v) limitations in data available for certain loan portfolios. Model imprecision considers known model limitations and model updates not yet fully reflected in the quantitative estimate. The determination of the appropriate qualitative adjustment is based on management's analysis of current and expected economic conditions and their impact to the portfolio, as well as internal credit risk movements and a qualitative assessment of the lending environment, including underwriting standards. Management recognizes the sensitivity of various assumptions made in the quantitative modeling of expected losses and may adjust reserves depending upon the level of uncertainty that currently exists in one or more assumptions. Credit losses for loans that no longer share risk characteristics with the loan pools are estimated on an individual basis. Individual credit loss estimates are typically performed for nonaccrual loans and are based on one of several methods, including the estimated fair value of the underlying collateral, observable market value of similar debt or the present value of expected cash flows. The Corporation considers certain loans to be collateral-dependent if the borrower is experiencing financial difficulty and management expects repayment for the loan to be substantially through the operation or sale of the collateral. For collateral-dependent loans, loss estimates are based on the fair value of collateral, less estimated cost to sell (if applicable). Collateral values supporting individually evaluated loans are assessed quarterly and appraisals are typically obtained at least annually. The total allowance for loan losses is sufficient to absorb expected credit losses over the contractual life of the portfolio. Unanticipated events impacting the economy, including political instability or global events affecting the U.S. economy, could cause changes to expectations for current conditions and economic forecasts that result in an unanticipated increase in the allowance. Significant increases in current portfolio exposures or changes in credit characteristics could also increase the amount of the allowance. Such events, or others of similar nature, may result in the need for additional provision for credit losses in order to maintain an allowance that complies with credit risk and accounting policies. Loans deemed uncollectible are charged off and deducted from the allowance. Recoveries on loans previously charged off are added to the allowance. Credit losses are not estimated for accrued interest receivable as interest that is deemed uncollectible is written off through interest income. Allowance for Credit Losses on Lending-Related Commitments The allowance for credit losses on lending-related commitments estimates current expected credit losses on collective pools of letters of credit and unused commitments to extend credit based on reserve factors, determined in a manner similar to business loans, multiplied by a probability of draw estimate, based on historical experience and credit risk, applied to commitment amounts. The allowance for credit losses on lending-related commitments is included in accrued expenses and other liabilities on the Consolidated Balance Sheets, with the corresponding charge included in the provision for credit losses on the Consolidated Statements of Comprehensive Income.
Nonperforming Assets	Nonperforming Assets Nonperforming assets consist of nonaccrual loans and foreclosed property. A loan is considered past due when the contractually required principal or interest payment is not received by the specified due date or, for certain loans, when a scheduled monthly payment is past due and unpaid for 30 days or more. Business loans are generally placed on nonaccrual status when management determines full collection of principal or interest is unlikely or when principal or interest payments are 90 days past due, unless the loan is fully collateralized and in the process of collection. The past-due status of a business loan is one of many indicative factors considered in determining the collectability of the credit. The primary driver of when the principal amount of a business loan should be fully or partially charged-off is based on a qualitative assessment of the recoverability of the principal amount from collateral and other cash flow sources. Residential mortgage and home equity loans are generally placed on nonaccrual status once they become 90 days past due and are charged off to current appraised values less costs to sell no later than 180 days past due. In addition, junior lien home equity loans less than 90 days past due are placed on nonaccrual status if they have underlying risk characteristics that place full collection of the loan in doubt, such as when the related senior lien position is identified as seriously delinquent. Residential mortgage and consumer loans in bankruptcy for which the court has discharged the borrower's obligation and the borrower has not reaffirmed the debt are placed on nonaccrual status and written down to estimated collateral value, without regard to the actual payment status of the loan. All other consumer loans are generally placed on nonaccrual status at 90 days past due and are charged off at no later than 120 days past due, or earlier if deemed uncollectible. At the time a loan is placed on nonaccrual status, interest previously accrued but not collected is charged against current income. Principal and interest payments received on such loans are generally first applied as a reduction of principal. Income on nonaccrual loans is then recognized only to the extent that cash is received after principal has been fully repaid or future collection of principal is probable. Generally, a loan may be returned to accrual status when all delinquent principal and interest have been received and the Corporation expects repayment of the remaining contractual principal and interest, or when the loan or debt security is both well secured and in the process of collection. Foreclosed property (primarily real estate) is initially recorded at fair value, less costs to sell, at the date of legal title transfer to the Corporation and subsequently carried at the lower of cost or fair value, less estimated costs to sell. Loans are reclassified to foreclosed property upon obtaining legal title to the collateral. Independent appraisals are obtained to substantiate the fair value of foreclosed property at the time of foreclosure and updated at least annually or upon evidence of deterioration in the property’s value. At the time of foreclosure, the adjustment for the difference between the related loan balance and fair value (less estimated costs to sell) of the property acquired is charged or credited to the allowance for loan losses. Subsequent write-downs, operating expenses and losses upon sale, if any, are charged to noninterest expenses. Foreclosed property is included in accrued income and other assets on the Consolidated Balance Sheets.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation, computed using the straight-line method, is charged to occupancy expenses in the Consolidated Statements of Income over the estimated useful lives of the assets. Estimated useful lives are generally 3 years to 33 years for premises that the Corporation owns and 3 years to 8 years for furniture and equipment. Leasehold improvements are generally amortized over the terms of their respective leases or 10 years, whichever is shorter.
Operating Leases	Operating Leases Operating leases with a term greater than one year are recognized as lease liabilities, measured as the present value of unpaid lease payments for operating leases where the Corporation is the lessee, and corresponding right-of-use (ROU) assets for the right to use the leased properties. Operating lease liabilities, recorded in accrued expenses and other liabilities, reflect the Corporation’s obligation to make future lease payments, primarily for real estate locations. Lease terms typically comprise contractual terms but may include extension options reasonably certain of being exercised at lease inception for certain strategic locations such as regional headquarters. Payments are discounted using the Corporation's incremental borrowing rate, or the rate it would pay to borrow amounts equal to the lease payments over the lease term. The Corporation does not separate lease and non-lease components for contracts in which it is the lessee. ROU assets, recorded in accrued income and other assets, are measured based on lease liabilities adjusted for incentives as well as accrued and prepaid rent. Operating lease expense is recognized on a straight-line basis over the lease term, while variable lease payments are recognized as incurred. Common area maintenance and other executory costs are the main components of variable lease payments. Operating and variable lease expenses are recorded in net occupancy expense on the Consolidated Statements of Income.
Software	Software Capitalized software, stated at cost less accumulated amortization, includes purchased software, capitalizable application development costs associated with internally developed software and cloud computing arrangements, including capitalizable implementation costs associated with hosting arrangements that are service contracts. Cloud computing arrangements include software as a service (SaaS), platform as a service (PaaS), infrastructure as a service (IaaS) and other similar hosting arrangements. The Corporation primarily utilizes SaaS and IaaS arrangements. Capitalized implementation costs of hosting arrangements that are service contracts were $65 million and $61 million, net of accumulated depreciation of $30 million and $14 million at December 31, 2024 and December 31, 2023, respectively. Depreciation expense related to these costs was $15 million and $9 million for the years ended December 31, 2024 and 2023, respectively.
Goodwill and Core Deposit Intangibles	Goodwill and Intangibles Goodwill, included in accrued income and other assets on the Consolidated Balance Sheets, is initially recorded as the excess of the purchase price over the fair value of net assets acquired in a business combination and is subsequently evaluated at least annually for impairment. Goodwill impairment testing is performed at the reporting unit level, equivalent to a business segment or one level below. The Corporation has three reporting units: the Commercial Bank, the Retail Bank and Wealth Management. The Corporation performs its annual evaluation of goodwill impairment in the third quarter of each year and may elect to perform a quantitative impairment analysis or first conduct a qualitative analysis to determine if a quantitative analysis is necessary. Additionally, the Corporation evaluates goodwill impairment on an interim basis if events or changes in circumstances between annual tests indicate additional testing may be warranted to determine if goodwill might be impaired. Factors considered in the assessment of the likelihood of impairment include macroeconomic conditions, industry and market considerations, stock performance of the Corporation and its peers, financial performance of the reporting units, and previous results of goodwill impairment tests, amongst other factors. Based on the results of the qualitative analysis, the Corporation determines whether a quantitative test is necessary. The quantitative test compares the estimated fair value of identified reporting units with their carrying amount, including goodwill. If the estimated fair value of the reporting unit is less than the carrying value, an impairment charge would be recorded for the excess, not to exceed the amount of goodwill allocated to the reporting unit. Intangibles are amortized on an accelerated basis, based on the estimated period the economic benefits are expected to be received. Intangibles are reviewed for impairment when events or changes in circumstances indicate that their carrying amounts may not be recoverable. Impairment for a finite-lived intangible asset exists if the sum of the undiscounted cash flows expected to result from the use of the asset exceeds its carrying value. Additional information regarding goodwill and intangibles can be found in Note 7.
Nonmarketable Equity Securities	Nonmarketable Equity Securities The Corporation has certain investments that are not readily marketable. These investments include restricted equity investments, which are securities the Corporation is required to hold for various reasons, primarily Federal Home Loan Bank of Dallas (FHLB) and Federal Reserve Bank (FRB) stock. These securities are recorded at cost (par value) and evaluated for impairment based on the ultimate recoverability of the par value. If the Corporation does not expect to recover the full par value, the amount by which the par value exceeds the ultimately recoverable value would be charged to current earnings and the carrying value of the investment would be written down accordingly.
Derivative Instruments and Hedging Activities	Derivative Instruments and Hedging Activities Derivative instruments are carried at fair value in either accrued income and other assets or accrued expenses and other liabilities on the Consolidated Balance Sheets. The accounting for changes in the fair value (i.e., gains or losses) of a derivative instrument is determined by whether it has been designated and qualifies as part of a hedging relationship and, further, by the type of hedging relationship. The Corporation presents derivative instruments at fair value on the Consolidated Balance Sheets on a net basis when a right of offset exists, based on transactions with a single counterparty and any cash collateral paid to and/or received from that counterparty for derivative contracts that are subject to legally enforceable master netting arrangements. For derivative instruments designated and qualifying as fair value hedges (i.e., hedging the exposure to changes in the fair value of an asset or a liability or an identified portion thereof that is attributable to a particular risk), the gain or loss on the derivative instrument, as well as the offsetting loss or gain on the hedged item attributable to the hedged risk, are recognized in the same consolidated statement of income line that is used to present the earnings effect of the hedged item during the period of the change in fair values. For derivative instruments that are designated and qualify as cash flow hedges (i.e., hedging the exposure to variability in expected future cash flows that is attributable to a particular risk), the gain or loss on the derivative instrument is reported as a component of other comprehensive income and reclassified into earnings in the same consolidated statement of income line item as the earnings effect of the hedged item in the same period or periods during which the hedged transaction affects earnings. For risk management derivative instruments that are economic hedges (e.g.: de-designated hedging instruments), the gain or loss is recognized in risk management hedging (loss) income. Gains and losses for customer-related derivatives are recognized in capital markets income on the Consolidated Statements of Income during the period of change. The net change in derivatives is included in "other, net" operating activity within the Consolidated Statements of Cash Flows. To qualify for the use of hedge accounting, a derivative must be effective at inception and expected to be continuously effective in offsetting the risk being hedged. For derivatives designated as hedging instruments at inception, the Corporation uses either the short-cut method or applies statistical regression analysis to assess effectiveness. The short-cut method is used for $6.8 billion of notional of fair value hedges of medium- and long-term debt. This method allows for the assumption of perfect effectiveness and eliminates the requirement to further assess hedge effectiveness on these transactions. For hedge relationships to which the Corporation does not apply the short-cut method, statistical regression analysis is used at inception to assess whether the derivative is expected to be highly effective in offsetting changes in the fair value or cash flows of the hedged item. A statistical regression or qualitative analysis is performed at each reporting period thereafter to evaluate hedge effectiveness. As part of the adoption of Topic 848, certain hedge accounting requirements for qualifying modifications to derivative instruments due to LIBOR transition were suspended through the completion of LIBOR transition in third quarter 2023. For further information on Topic 848, refer to the "Loans" policy in this Note. Further information on the Corporation’s derivative instruments and hedging activities is included in Note 8.
Financial Guarantees	Financial Guarantees Certain guarantee contracts or indemnification agreements that contingently require the Corporation, as guarantor, to make payments to the guaranteed party are initially measured at fair value and included in accrued expenses and other liabilities on the Consolidated Balance Sheets. The subsequent accounting for the liability depends on the nature of the underlying guarantee. The release from risk is accounted for under a particular guarantee when the guarantee expires or is settled, or by a systematic and rational amortization method. Further information on the Corporation’s obligations under guarantees is included in Note 8.
Share-Based Compensation	Share-Based Compensation The Corporation recognizes share-based compensation expense using the straight-line method over the requisite service period, generally based on the instruments' grant-date fair value, for all stock awards, including those with graded vesting. The requisite service period is the period an employee is required to provide service in order to vest in the award, which cannot extend beyond the date at which the employee is no longer required to perform any service to receive the share-based compensation (i.e., the retirement-eligible date). Forfeiture of stock awards and dividend equivalents are accounted for as they occur. Certain awards are contingent upon performance and/or market conditions, which affect the number of shares ultimately issued. The Corporation periodically evaluates the probable outcome of the performance conditions and makes cumulative adjustments to compensation expense as appropriate. Market conditions are included in the determination of the fair value of the award on the date of grant. Subsequent to the grant date, market conditions have no impact on the amount of compensation expense the Corporation will recognize over the life of the award. Further information on the Corporation’s share-based compensation plans is included in Note 16.
Revenue Recognition	Revenue Recognition Revenue from contracts with customers comprises the noninterest income earned by the Corporation in exchange for services provided to customers and is recognized when services are completed or as they are rendered, although contracts are generally short-term by nature. Services provided over a period of time are typically transferred to customers evenly over the term of the contracts and revenue is recognized accordingly over the period services are provided. Contract receivables are included in accrued income and other assets on the Consolidated Balance Sheets. Payment terms vary by services offered, and the time between completion of performance obligations and payment is typically not significant. Card Fees Card fees comprise interchange and other fee income earned on government card, commercial card, debit/automated teller machine card and merchant payment processing programs. Card fees are presented net of network costs, as performance obligations for card services are limited to transaction processing and settlement with the card network on behalf of the customers. Fees for these services are primarily based on interchange rates set by the network and transaction volume. The Corporation also provides ongoing card program support services, for which fees are based on contractually agreed-upon prices and customer demand for services. Service Charges on Deposit Accounts Service charges on deposit accounts comprise charges on retail and business accounts, including fees for treasury management services. Treasury management services include transaction-based services related to payment processing, overdrafts, non-sufficient funds and other deposit account activity, as well as account management services that are provided over time. Business customers can earn credits depending on deposit balances maintained with the Corporation, which may be used to offset fees. Fees and credits are based on predetermined, agreed-upon rates. Fiduciary Income Fiduciary income includes fees and commissions from asset management, custody, recordkeeping, investment advisory and other services provided primarily to personal and institutional trust customers. Revenue is recognized as the services are performed and is based either on the market value of the assets managed or the services provided, as well as agreed-upon rates. Commercial Lending Fees Commercial lending fees include both revenue from contracts with customers (primarily loan servicing fees) and other sources of revenue. Commercial loan servicing fees are based on contractually agreed-upon prices and timing of services provided. Other sources of revenue in commercial lending fees primarily include fees assessed on the unused portion of commercial lines of credit (unused commitment fees). Brokerage Fees Brokerage fees include income from sales of select investment products of an independent financial services broker, net of commissions passed through to employees licensed by the independent broker to sell their products. Prior to November 2023, brokerage fees included commissions earned for facilitating securities transactions for customers, as well as other brokerage services provided. Revenue is recognized when services are completed and is based on the type of services provided and agreed-upon rates. Other Revenues Other revenues, consisting primarily of other retail fees, investment banking fees and insurance commissions, are typically recognized when services or transactions are completed and are based on the type of services provided and agreed-upon rates. Except as discussed above, commissions and other incentives paid to employees are generally based on several internal and external metrics and, as a result, are not solely dependent on revenue generating activities.
Defined Benefit Pension and Other Postretirement Costs	Defined Benefit Pension and Other Postretirement Costs Defined benefit pension costs are funded consistent with the requirements of federal laws and regulations. Inherent in the determination of defined benefit pension costs are assumptions concerning future events that will affect the amount and timing of required benefit payments under the plans. These include demographic assumptions such as retirement age and mortality, a compensation rate increase, a discount rate used to determine the current benefit obligation, form of payment election and a long-term expected rate of return on plan assets. Net periodic defined benefit pension expense includes service cost, interest cost based on the assumed discount rate, an expected return on plan assets based on an actuarially derived market-related value of assets (MRVA), amortization of prior service cost or credit and amortization of net actuarial gains or losses. The MRVA for fixed income securities and private placement assets is based on the fair value of plan assets, whereas the MRVA for other plan assets is determined by amortizing the current year’s investment gains and losses (the actual investment return net of the expected investment return) over 5 years. The amortization adjustment cannot exceed 10 percent of the fair value of assets. Prior service costs or credits include the impact of plan amendments on the liabilities and are amortized over the future service periods of active employees expected to receive benefits under the plan. Actuarial gains and losses result from experience different from that assumed and from changes in assumptions (excluding asset gains and losses not yet reflected in market-related values). Amortization of actuarial gains and losses is included as a component of net periodic defined benefit pension cost for a year if the actuarial net gain or loss exceeds 10 percent of the greater of the projected benefit obligation or the market-related value of plan assets. If amortization is required, the excess is amortized over the average remaining service period of participating employees expected to receive benefits under the plan. Service costs are included in salaries and benefits expense, while the other components of net periodic defined benefit pension expense are included in other noninterest expenses on the Consolidated Statements of Income. Postretirement benefit costs includes service cost, interest cost based on the assumed discount rate, an expected return on plan assets based on an actuarially derived MRVA, amortization of prior service cost or credit and amortization of net actuarial gains or losses. The components of postretirement benefit costs follow similar policies and methodologies as defined benefit pensions costs. Postretirement benefits are recognized in other noninterest expenses on the Consolidated Statements of Income. See Note 17 for further information regarding the Corporation’s defined benefit pension and other postretirement plans.
Income Taxes	Income Taxes The provision for income taxes is the sum of income taxes due for the current year and deferred taxes. The Corporation classifies interest and penalties on income tax liabilities and excess tax benefits and deficiencies resulting from employee stock awards in the provision for income taxes on the Consolidated Statements of Income. Deferred taxes arise from temporary differences between the income tax basis and financial accounting basis of assets and liabilities. Deferred tax assets are evaluated for realization based on available evidence of projected future reversals of existing taxable temporary differences, foreign tax credit limitations, assumptions made regarding future events and, when applicable, state loss carryback capacity. A valuation allowance is provided when it is more likely than not that some portion of the deferred tax asset will not be realized.
Earnings Per Share	Earnings Per Share Basic net income per common share is calculated using the two-class method. The two-class method is an earnings allocation formula that determines earnings per share for each share of common stock and participating securities according to dividends declared (distributed earnings) and participation rights in undistributed earnings. Distributed and undistributed earnings are allocated between common and participating security shareholders based on their respective rights to receive dividends. Nonvested share-based payment awards that contain nonforfeitable rights to dividends or dividend equivalents are considered participating securities (e.g., certain service-based restricted stock units). Undistributed net losses are not allocated to nonvested restricted shareholders, as these shareholders do not have a contractual obligation to fund the losses incurred by the Corporation. Net income attributable to common shares is then divided by the weighted-average number of common shares outstanding during the period. Diluted net income per common share is calculated using the more dilutive of either the treasury method or the two-class method. The dilutive calculation considers common stock issuable under the assumed exercise of stock options and warrants, as well as service- and performance-based restricted stock units granted under the Corporation’s stock plans using the treasury stock method, if dilutive. Net income attributable to common shares is then divided by the total of weighted-average number of common shares and common stock equivalents outstanding during the period.
Statements Of Cash Flows	Statements of Cash Flows
Comprehensive (Loss) Income	Comprehensive Income (Loss)
New Accounting Pronouncements, Policy	Accounting Pronouncements Recently Adopted Effective January 1, 2024, the Corporation adopted the provisions of Financial Accounting Standards Board (FASB) Accounting Standards Update (ASU) No. 2023-02, "Investments-Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method (a consensus of the Emerging Issues Task Force)" (ASU 2023-02). ASU 2023-02 expanded the permitted use of the proportional amortization method, which was previously only available to low-income housing tax credit investments, to other tax equity investments if certain conditions are met. Under the proportional amortization method, the initial cost of an investment is amortized in proportion to the income tax benefits received and both the amortization of the investment and the income tax benefits received are recognized as a component of income tax expense. ASU 2023-02 was adopted on a modified retrospective basis of transition or, for certain changes, a prospective basis and resulted in a reduction to retained earnings as of January 1, 2024 of $4 million. In November 2023, the FASB issued ASU No. 2023-07 "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures" (ASU 2023-07). The update requires enhanced disclosures about significant segment expenses, enhanced interim disclosure requirements, clarification for when multiple segment measures of profit or loss can be disclosed, and other requirements intended to improve overall reportable segment disclosures in annual and interim periods. The Corporation adopted ASU 2023-07 for the annual period beginning on January 1, 2024 and interim periods beginning on January 1, 2025 with retrospective application to all prior periods presented. See Note 22 for further information. Recently Issued Accounting Pronouncements In December 2023, the FASB issued ASU No. 2023-09 "Income Taxes (Topic 740): Improvements to Income Tax Disclosures" (ASU 2023-09). ASU 2023-09 requires additional annual disclosures including further disaggregation of information in the rate reconciliation, additional information for reconciling items meeting a quantitative threshold, further disaggregation of income taxes paid, and other required disclosures. ASU 2023-09 is effective for the Corporation in the annual period beginning on January 1, 2025 and applied on a prospective basis with both early adoption and retrospective application permitted. The Corporation is evaluating the impact of ASU 2023-09 to its disclosures. In November 2024, the FASB issued ASU No. 2024-03 "Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses" (ASU 2024-03). ASU 2024-03 requires additional interim and annual disclosures that further disaggregate certain expense captions into specified categories in a separate note to the financial statements, as well as certain qualitative information describing amounts not separately disaggregated. ASU 2024-03 is effective for the Corporation in the annual period beginning on January 1, 2027 and interim periods beginning on January 1, 2028 and can be applied on either a prospective or retrospective basis. The Corporation is evaluating the impact of ASU 2024-03 to its disclosures.

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Assets And Liabilities Recorded At Fair Value On A Recurring Basis	The following tables present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of December 31, 2024 and 2023. (in millions) Total Level 1 Level 2 Level 3 December 31, 2024 Deferred compensation plan assets $ 89 $ 89 $ — $ — Equity securities 46 46 — — Investment securities available-for-sale: U.S. Treasury securities 1,277 1,277 — — Residential mortgage-backed securities (a) 9,076 — 9,076 — Commercial mortgage-backed securities (a) 4,692 — 4,692 — Total investment securities available-for-sale 15,045 1,277 13,768 — Derivative assets: Interest rate contracts 177 — 177 — Energy contracts 416 — 416 — Foreign exchange contracts 73 — 73 — Total derivative assets 666 — 666 — Total assets at fair value $ 15,846 $ 1,412 $ 14,434 $ — Derivative liabilities: Interest rate contracts $ 335 $ — $ 335 $ — Energy contracts 400 — 400 — Foreign exchange contracts 59 — 59 — Other financial derivative liabilities 6 — — 6 Total derivative liabilities 800 — 794 6 Deferred compensation plan liabilities 91 91 — — Total liabilities at fair value $ 891 $ 91 $ 794 $ 6 December 31, 2023 Deferred compensation plan assets $ 104 $ 104 $ — $ — Equity securities 39 39 — — Investment securities available-for-sale: U.S. Treasury securities 1,605 1,605 — — Residential mortgage-backed securities (a) 10,519 — 10,519 — Commercial mortgage-backed securities (a) 4,745 — 4,745 — Total investment securities available-for-sale 16,869 1,605 15,264 — Derivative assets: Interest rate contracts 225 — 225 — Energy contracts 758 — 758 — Foreign exchange contracts 36 — 36 — Total derivative assets 1,019 — 1,019 — Total assets at fair value $ 18,031 $ 1,748 $ 16,283 $ — Derivative liabilities: Interest rate contracts $ 435 $ — $ 435 $ — Energy contracts 736 — 736 — Foreign exchange contracts 35 — 35 — Other financial derivative liabilities 12 — — 12 Total derivative liabilities 1,218 — 1,206 12 Deferred compensation plan liabilities 104 104 — — Total liabilities at fair value $ 1,322 $ 104 $ 1,206 $ 12 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises.
Changes In Level 3 Assets And Liabilities Measured At Fair Value On A Recurring Basis	The following table summarizes the changes in Level 3 assets and liabilities measured at fair value on a recurring basis for the years ended December 31, 2024 and 2023. Net Realized/Unrealized Gains (Pretax) Recorded in Earnings (a) Balance at Beginning of Period Balance at End of Period (in millions) Realized Unrealized Year Ended December 31, 2024 Derivative liabilities: Other financial derivative liabilities $ (12) $ 6 $ — $ (6) Year Ended December 31, 2023 Derivative liabilities: Other financial derivative liabilities $ (12) $ — $ — $ (12) (a) Realized and unrealized gains and losses due to changes in fair value recorded in other noninterest income on the Consolidated Statements of Income.
Assets And Liabilities Recorded At Fair Value On A Nonrecurring Basis	The following table presents assets recorded at fair value on a nonrecurring basis at December 31, 2024 and 2023. No liabilities were recorded at fair value on a nonrecurring basis at December 31, 2024 and 2023. (in millions) Level 3 December 31, 2024 Loans: Commercial $ 69 Commercial mortgage 86 Residential mortgage 3 Total loans 158 Loans held-for-sale 216 Other real estate 3 Total assets at fair value $ 377 December 31, 2023 Loans: Commercial $ 12 Commercial mortgage 16 International 16 Total loans 44 Loans held-for-sale 231 Other real estate 5 Total assets at fair value $ 280
Estimated Fair Values Of Financial Instruments Not Recorded At Fair Value In Their Entirety On A Recurring Basis	The carrying amount and estimated fair value of financial instruments not recorded at fair value in their entirety on a recurring basis on the Corporation’s Consolidated Balance Sheets are as follows: Carrying Estimated Fair Value (in millions) Total Level 1 Level 2 Level 3 December 31, 2024 Assets Cash and due from banks $ 850 $ 850 $ 850 $ — $ — Interest-bearing deposits with banks 5,954 5,954 5,954 — — Other short-term investments 21 21 21 — — Total loans, net of allowance for loan losses (a) 49,849 49,436 — — 49,436 Liabilities Demand deposits 59,277 59,277 — 59,277 — Time deposits 4,534 4,555 — 4,555 — Total deposits 63,811 63,832 — 63,832 — Medium- and long-term debt 6,673 6,780 — 6,780 — Credit-related financial instruments (64) (64) — — (64) December 31, 2023 Assets Cash and due from banks $ 1,443 $ 1,443 $ 1,443 $ — $ — Interest-bearing deposits with banks 8,059 8,059 8,059 — — Other short-term investments 24 24 24 — — Total loans, net of allowance for loan losses (a) 51,425 50,633 — — 50,633 Liabilities Demand deposits 58,476 58,476 — 58,476 — Time deposits 8,286 8,391 — 8,391 — Total deposits 66,762 66,867 — 66,867 — Short-term borrowings 3,565 3,565 3,565 — — Medium- and long-term debt 6,206 6,207 — 6,207 — Credit-related financial instruments (72) (72) — — (72) (a) Included $158 million and $44 million of loans recorded at fair value on a nonrecurring basis at December 31, 2024 and 2023, respectively.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Summary Of Investment Securities	A summary of the Corporation’s investment securities follows: (in millions) Amortized Gross Gross Fair Value December 31, 2024 Investment securities available-for-sale: U.S. Treasury securities $ 1,277 $ 1 $ 1 $ 1,277 Residential mortgage-backed securities (a) 11,380 — 2,304 9,076 Commercial mortgage-backed securities (a) 5,261 — 569 4,692 Total investment securities available-for-sale $ 17,918 $ 1 $ 2,874 $ 15,045 December 31, 2023 Investment securities available-for-sale: U.S. Treasury securities $ 1,681 $ — $ 76 $ 1,605 Residential mortgage-backed securities (a) 12,607 — 2,088 10,519 Commercial mortgage-backed securities (a) 5,253 — 508 4,745 Total investment securities available-for-sale $ 19,541 $ — $ 2,672 $ 16,869 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises.
Summary Of Investment Securities In Unrealized Loss Positions	A summary of the Corporation’s investment securities in an unrealized loss position as of December 31, 2024 and 2023 follows: Less than 12 Months 12 Months or more Total (in millions, except securities count) Fair Unrealized Fair Unrealized Fair Unrealized Count December 31, 2024 U.S. Treasury securities $ 438 $ — $ 25 $ 1 $ 463 $ 1 7 Residential mortgage-backed securities (a) — — 9,074 2,304 9,074 2,304 913 Commercial mortgage-backed securities (a) 14 — 4,678 569 4,692 569 252 Total temporarily impaired securities $ 452 $ — $ 13,777 $ 2,874 $ 14,229 $ 2,874 1,172 December 31, 2023 U.S. Treasury securities $ — $ — $ 1,605 $ 76 $ 1,605 $ 76 19 Residential mortgage-backed securities (a) 10 — 10,507 2,088 10,517 2,088 978 Commercial mortgage-backed securities (a) — — 4,745 508 4,745 508 253 Total temporarily impaired securities $ 10 $ — $ 16,857 $ 2,672 $ 16,867 $ 2,672 1,250 (a) Issued and/or guaranteed by U.S. government agencies or U.S. government-sponsored enterprises.
Contractual Maturity Distribution Of Debt Securities	The following table summarizes the amortized cost and fair values of investment securities by contractual maturity. Securities with multiple maturity dates are classified in the period of final maturity. The actual cash flows of mortgage-backed securities may differ as borrowers of the underlying loans may exercise prepayment options. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. (in millions) December 31, 2024 Amortized Cost Fair Value Contractual maturity Within one year $ 306 $ 306 After one year through five years 1,312 1,292 After five years through ten years 5,119 4,564 After ten years 11,181 8,883 Total investment securities $ 17,918 $ 15,045

Credit Quality And Allowance _2

Credit Quality And Allowance For Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2024
Credit Quality And Allowance For Credit Losses [Abstract]
Aging Analysis Of Loans	The following table presents an aging analysis of the amortized cost basis of loans. Loans Past Due and Still Accruing (in millions) 30-59 60-89 90 Days Total Nonaccrual Current Loans Total December 31, 2024 Business loans: Commercial $ 50 $ 16 $ 13 $ 79 $ 125 $ 26,288 $ 26,492 Real estate construction: Commercial Real Estate business line (a) — — — — — 3,358 3,358 Other business lines (b) — — — — — 322 322 Total real estate construction — — — — — 3,680 3,680 Commercial mortgage: Commercial Real Estate business line (a) 75 8 — 83 49 5,912 6,044 Other business lines (b) 11 7 31 49 69 8,331 8,449 Total commercial mortgage 86 15 31 132 118 14,243 14,493 Lease financing 12 — — 12 1 709 722 International — — — — — 952 952 Total business loans 148 31 44 223 244 45,872 46,339 Retail loans: Residential mortgage 5 5 — 10 37 1,882 1,929 Consumer: Home equity 11 3 — 14 27 1,761 1,802 Other consumer 16 — — 16 — 453 469 Total consumer 27 3 — 30 27 2,214 2,271 Total retail loans 32 8 — 40 64 4,096 4,200 Total loans $ 180 $ 39 $ 44 $ 263 $ 308 $ 49,968 $ 50,539 December 31, 2023 Business loans: Commercial $ 48 $ 14 $ 10 $ 72 $ 75 $ 27,104 $ 27,251 Real estate construction: Commercial Real Estate business line (a) — — — — — 4,570 4,570 Other business lines (b) 3 — — 3 2 508 513 Total real estate construction 3 — — 3 2 5,078 5,083 Commercial mortgage: Commercial Real Estate business line (a) 5 — — 5 18 4,704 4,727 Other business lines (b) 49 12 9 70 23 8,866 8,959 Total commercial mortgage 54 12 9 75 41 13,570 13,686 Lease financing 4 — — 4 — 803 807 International — — 1 1 20 1,081 1,102 Total business loans 109 26 20 155 138 47,636 47,929 Retail loans: Residential mortgage 10 6 — 16 19 1,854 1,889 Consumer: Home equity 11 5 — 16 21 1,755 1,792 Other consumer 31 — — 31 — 472 503 Total consumer 42 5 — 47 21 2,227 2,295 Total retail loans 52 11 — 63 40 4,081 4,184 Total loans $ 161 $ 37 $ 20 $ 218 $ 178 $ 51,717 $ 52,113 (a) Primarily loans to real estate developers. (b) Primarily loans secured by owner-occupied real estate.
Loans By Credit Quality Indicator and Vintage Year	December 31, 2024 Vintage Year (in millions) 2024 2023 2022 2021 2020 Prior Revolvers Revolvers Converted to Term Total Business loans: Commercial: Pass (a) $ 3,313 (b) $ 2,129 (b) $ 1,856 (b) $ 1,127 $ 358 $ 1,192 $ 15,173 $ 15 $ 25,163 Criticized (b) 90 160 179 185 33 59 621 2 1,329 Total commercial 3,403 2,289 2,035 1,312 391 1,251 15,794 17 26,492 Commercial gross charge-offs 1 1 9 29 9 12 10 1 72 Real estate construction Pass (a) 137 703 1,987 550 19 23 223 — 3,642 Criticized (b) — — 36 — — 2 — — 38 Total real estate construction 137 703 2,023 550 19 25 223 — 3,680 Commercial mortgage Pass (a) 1,423 1,574 3,339 2,576 1,301 2,414 793 — 13,420 Criticized (b) 105 187 350 102 111 208 10 — 1,073 Total commercial mortgage 1,528 1,761 3,689 2,678 1,412 2,622 803 — 14,493 Commercial mortgage gross charge-offs — — 11 — — 5 — — 16 Lease financing Pass (a) 262 226 38 80 30 80 — — 716 Criticized (b) 3 1 1 — — 1 — — 6 Total lease financing 265 227 39 80 30 81 — — 722 Lease financing gross charge-offs 1 — 3 — — — — — 4 International Pass (a) 237 112 142 60 19 27 347 — 944 Criticized (b) 7 — — — — — 1 — 8 Total international 244 112 142 60 19 27 348 — 952 International gross charge-offs 1 — — — — — — — 1 Total business loans 5,577 5,092 7,928 4,680 1,871 4,006 17,168 17 46,339 Retail loans: Residential mortgage Pass (a) 181 236 274 349 415 434 — — 1,889 Criticized (b) 5 1 4 2 4 24 — — 40 Total residential mortgage 186 237 278 351 419 458 — — 1,929 Consumer: Home equity Pass (a) — — — — — 5 1,681 82 1,768 Criticized (b) — — — — — — 28 6 34 Total home equity — — — — — 5 1,709 88 1,802 Other consumer Pass (a) 30 10 28 7 6 41 345 — 467 Criticized (b) — — 2 — — — — — 2 Total other consumer 30 10 30 7 6 41 345 — 469 Other consumer gross charge-offs 1 — — — — 1 — — 2 Total consumer 30 10 30 7 6 46 2,054 88 2,271 Total retail loans 216 247 308 358 425 504 2,054 88 4,200 Total loans $ 5,793 $ 5,339 $ 8,236 $ 5,038 $ 2,296 $ 4,510 $ 19,222 $ 105 $ 50,539 Table continues on the following page. December 31, 2023 Vintage Year 2023 2022 2021 2020 2019 Prior Revolvers Revolvers Converted to Term Total Business loans: Commercial: Pass (a) $ 3,105 (b) $ 3,013 (b) $ 2,072 $ 593 $ 610 $ 1,033 $ 15,394 $ 13 $ 25,833 Criticized (b) 85 169 226 42 59 75 760 2 1,418 Total commercial 3,190 3,182 2,298 635 669 1,108 16,154 15 27,251 Commercial gross charge-offs 1 11 2 1 11 12 3 1 42 Real estate construction: Pass (a) 503 2,205 1,581 329 43 36 288 — 4,985 Criticized (b) 2 53 34 2 7 — — — 98 Total real estate construction 505 2,258 1,615 331 50 36 288 — 5,083 Commercial mortgage: Pass (a) 1,680 3,129 2,173 1,786 981 2,271 893 — 12,913 Criticized (b) 15 232 99 34 248 141 4 — 773 Total commercial mortgage 1,695 3,361 2,272 1,820 1,229 2,412 897 — 13,686 Commercial mortgage gross charge-offs — — — — 3 1 — — 4 Lease financing Pass (a) 173 319 110 47 34 94 — — 777 Criticized (b) 5 8 3 3 7 4 — — 30 Total lease financing 178 327 113 50 41 98 — — 807 International Pass (a) 286 168 89 35 76 2 415 — 1,071 Criticized (b) 15 2 7 — — 6 1 — 31 Total international 301 170 96 35 76 8 416 — 1,102 International gross charge-offs 12 — — — — 1 — — 13 Total business loans 5,869 9,298 6,394 2,871 2,065 3,662 17,755 15 47,929 Retail loans: Residential mortgage Pass (a) 254 296 373 450 131 360 — — 1,864 Criticized (b) 2 — 1 — — 22 — — 25 Total residential mortgage 256 296 374 450 131 382 — — 1,889 Consumer: Home equity Pass (a) — — — — — 8 1,695 59 1,762 Criticized (b) — — — — — — 28 2 30 Total home equity — — — — — 8 1,723 61 1,792 Home equity gross charge-offs — — — — — — 2 — 2 Other consumer Pass (a) 23 38 22 8 4 46 362 — 503 Total other consumer 23 38 22 8 4 46 362 — 503 Other consumer gross charge-offs — — — — 1 — — — 1 Total consumer 23 38 22 8 4 54 2,085 61 2,295 Total retail loans 279 334 396 458 135 436 2,085 61 4,184 Total loans $ 6,148 $ 9,632 $ 6,790 $ 3,329 $ 2,200 $ 4,098 $ 19,840 $ 76 $ 52,113 (a) Includes all loans not included in the categories of special mention, substandard or nonaccrual. (b) Includes loans with an internal rating of special mention, substandard loans for which the accrual of interest has not been discontinued and nonaccrual loans. Special mention loans have potential credit weaknesses that deserve management’s close attention, such as loans to borrowers who may be experiencing financial difficulties that may result in deterioration of repayment prospects from the borrower at some future date. Accruing substandard loans have a well-defined weakness, or weaknesses, such as loans to borrowers who may be experiencing losses from operations or inadequate liquidity of a degree and duration that jeopardizes the orderly repayment of the loan. Substandard loans are also distinguished by the distinct possibility of loss in the future if these weaknesses are not corrected. Nonaccrual loans are loans for which the accrual of interest has been discontinued. For further information regarding nonaccrual loans, refer to the Nonperforming Assets subheading in Note 1 - Basis of Presentation and Accounting Policies. These categories are generally consistent with the "special mention" and "substandard" categories as defined by regulatory authorities. A minority of nonaccrual loans are consistent with the "doubtful" category.
Changes In The Allowance For Loan Losses	The following table details the changes in the allowance for credit losses. 2024 2023 2022 (in millions) Business Loans Retail Loans Total Business Loans Retail Loans Total Business Loans Retail Loans Total Years Ended December 31, Balance at beginning of period: Allowance for loan losses $ 620 $ 68 $ 688 $ 541 $ 69 $ 610 $ 531 $ 57 $ 588 Allowance for credit losses on lending-related commitments 31 9 40 40 11 51 24 6 30 Allowance for credit losses 651 77 728 581 80 661 555 63 618 Loan charge-offs (93) (2) (95) (59) (3) (62) (65) (3) (68) Recoveries on loans previously charged-off 41 2 43 38 2 40 47 4 51 Net loan (charge-offs) recoveries (52) — (52) (21) (1) (22) (18) 1 (17) Provision for credit losses: Provision for loan losses 57 (3) 54 100 — 100 28 11 39 Provision for credit losses on lending-related commitments (3) (2) (5) (9) (2) (11) 16 5 21 Provision for credit losses 54 (5) 49 91 (2) 89 44 16 60 Balance at end of period: Allowance for loan losses 625 65 690 620 68 688 541 69 610 Allowance for credit losses on lending-related commitments 28 7 35 31 9 40 40 11 51 Allowance for credit losses $ 653 $ 72 $ 725 $ 651 $ 77 $ 728 $ 581 $ 80 $ 661 Allowance for loan losses as a percentage of total loans 1.35 % 1.55 % 1.37 % 1.29 % 1.63 % 1.32 % 1.10 % 1.67 % 1.14 % Allowance for credit losses as a percentage of total loans 1.41 1.73 1.44 1.36 1.85 1.40 1.18 1.96 1.24
Financing Receivable, Nonaccrual	The following table presents additional information regarding nonaccrual loans. Interest income of $16 million, $9 million and $12 million was recognized on nonaccrual loans for the years ended December 31, 2024, 2023 and 2022, respectively. (in millions) Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total December 31, 2024 Business loans: Commercial $ 9 $ 116 $ 125 Commercial mortgage: Commercial Real Estate business line (b) — 49 49 Other business lines (a) 7 62 69 Total commercial mortgage 7 111 118 Lease financing — 1 1 Total business loans 16 228 244 Retail loans: Residential mortgage 37 — 37 Consumer: Home equity 27 — 27 Total consumer 27 — 27 Total retail loans 64 — 64 Total nonaccrual loans $ 80 $ 228 $ 308 December 31, 2023 Business loans: Commercial $ 47 $ 28 $ 75 Real estate construction: Other business lines (a) 2 — 2 Commercial mortgage: Commercial Real Estate business line (b) — 18 18 Other business lines (a) 17 6 23 Total commercial mortgage 17 24 41 International 3 17 20 Total business loans 69 69 138 Retail loans: Residential mortgage 19 — 19 Consumer: Home equity 21 — 21 Total consumer 21 — 21 Total retail loans 40 — 40 Total nonaccrual loans $ 109 $ 69 $ 178 (a) Primarily loans secured by owner-occupied real estate. (b) Primarily loans to real estate developers.
Loan Modifications Made to Borrowers Experiencing Financial Difficulty	The following table displays the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty that were restructured, by type of modification. (in millions) Term Extension (a) Payment Delay (a) Interest Rate Reduction Combinations (b) Total Percent of Total Class Year Ended December 31, 2024 Business loans: Commercial $ 199 $ — $ — $ 28 $ 227 0.86 % Commercial mortgage: Other business lines (c) 40 — — — 40 0.47 Total commercial mortgage 40 — — — 40 0.27 International 1 — — 4 5 0.54 Total business loans 240 — — 32 272 0.59 Retail loans: Residential mortgage 5 — — — 5 0.26 Consumer: Home equity — 3 5 2 10 0.58 Total consumer — 3 5 2 10 0.46 Total retail loans 5 3 5 2 15 0.37 Total loans $ 245 $ 3 $ 5 $ 34 $ 287 0.57 % Year Ended December 31, 2023 Business loans: Commercial $ 92 $ 20 $ 10 $ 2 $ 124 0.46 % Real estate construction: Other business lines (c) 10 — — — 10 1.92 Total real estate construction 10 — — — 10 0.19 Commercial mortgage: Other business lines (c) 15 — — 10 25 0.28 Total commercial mortgage 15 — — 10 25 0.18 Total business loans 117 20 10 12 159 0.33 Retail loans: Consumer: Home equity 1 — 1 1 3 0.16 Total consumer 1 — 1 1 3 0.13 Total retail loans 1 — 1 1 3 0.07 Total loans $ 118 $ 20 $ 11 $ 13 $ 162 0.31 % (a) Represents loan balances where terms were extended or payments were delayed by a more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. See Note 1 to the co nsolidated financial statements for further information. (b) Relates to FDMs where more than one type of modification was made. For the year ended December 31, 2024 , this primarily related to modifications where the payment was delayed and the term was extended. For the year ended December 31, 2023 , this primarily related to modifications where the interest was reduced and the term was extended. (c) Primarily loans secured by owner-occupied real estate.
Loan Modifications Made to Specific Loans	The following table summarizes the financial impacts of loan modifications made to specific loans. Weighted-Average Term Extension Weighted-Average Interest Rate Reduction Year Ended December 31, 2024 Business loans: Commercial 12.7 (1.21) % Commercial mortgage: Other business lines (a) 14.1 — Total commercial mortgage 14.1 — International 46.1 — Total business loans 13.6 (1.21) Retail loans: Residential mortgage 95.1 — Consumer: Home equity 117.0 (3.97) Total consumer 117.0 (3.97) Total retail loans 102.2 (3.97) Total loans 15.9 (2.20) Year Ended December 31, 2023 Business loans: Commercial 10.4 (2.01) % Real estate construction: Other business lines (a) 9.3 — Total real estate construction 9.3 — Commercial mortgage: Other business lines (a) 17.6 (0.68) Total commercial mortgage 17.6 (0.68) Total business loans 11.7 (1.35) Retail loans: Consumer: Home equity 145.4 (3.01) Total consumer 145.4 (3.01) Total retail loans 145.4 (3.01) Total loans 13.1 (1.49) % (a) Primarily loans secured by owner-occupied real estate.

Significant Group Concentrati_2

Significant Group Concentrations of Credit Risk Significant Group Concentrations of Credit Risk (Tables)	12 Months Ended
	Dec. 31, 2024
Significant Group Concentrations of Credit Risk [Abstract]
Schedule of Automotive Industry Outstanding Loans and Total Exposure	The following table summarizes the Corporation's commercial real estate loan portfolio by loan category. (in millions) December 31 2024 2023 Real estate construction loans: Commercial Real Estate business line (a) $ 3,358 $ 4,570 Other business lines (b) 322 513 Total real estate construction loans 3,680 5,083 Commercial mortgage loans: Commercial Real Estate business line (a) 6,044 4,727 Other business lines (b) 8,449 8,959 Total commercial mortgage loans 14,493 13,686 Total commercial real estate loans $ 18,173 $ 18,769 Total unused commitments on commercial real estate loans $ 3,130 $ 4,382 (a) Primarily loans to real estate developers. (b) Primarily loans secured by owner-occupied real estate.
Schedule of Commercial Real Estate Loans and Unused Commitments	Outstanding loans, included in commercial loans on the Consolidated Balance Sheets, and total exposure (outstanding loans, unused commitments and standby letters of credit) to companies related to the automotive industry were as follows: (in millions) December 31 2024 2023 Automotive loans: Production $ 764 $ 848 Dealer 5,513 6,191 Total automotive loans $ 6,277 $ 7,039 Total automotive exposure: Production $ 1,661 $ 1,744 Dealer 8,675 10,418 Total automotive exposure $ 10,336 $ 12,162

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Premises and Equipments [Abstract]
Premises and Equipment	A summary of premises and equipment by major category follows: (in millions) December 31 2024 2023 Land $ 78 $ 81 Buildings and improvements 804 768 Furniture and equipment 476 536 Total cost 1,358 1,385 Less: Accumulated depreciation and amortization (885) (940) Net book value $ 473 $ 445

Goodwill and Intangible Assets

Goodwill and Intangible Assets Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Summary of Changes in Carrying Value of Goodwill	The following table summarizes the carrying value of goodwill by reporting unit for the years ended December 31, 2024 and 2023. (in millions) December 31 2024 2023 Commercial Bank $ 473 $ 473 Retail Bank 101 101 Wealth Management 61 61 Total $ 635 $ 635

Derivative And Credit-Related_2

Derivative And Credit-Related Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule Of Derivative Instruments	The following table presents the composition of the Corporation’s derivative instruments held or issued for risk management purposes or in connection with customer-initiated and other activities at December 31, 2024 and 2023. The table excludes a derivative related to the Corporation's 2008 sale of its remaining ownership of Visa shares and includes accrued interest receivable and payable. December 31, 2024 December 31, 2023 Fair Value Fair Value (in millions) Notional/ Gross Derivative Assets Gross Derivative Liabilities Notional/ Gross Derivative Assets Gross Derivative Liabilities Risk management purposes Derivatives designated as hedging instruments Interest rate contracts: Fair value swaps - receive fixed/pay floating $ 6,800 $ — $ — $ 6,300 $ — $ — Cash flow swaps - receive fixed/ pay floating (b) 23,350 — 3 24,850 — 8 Derivatives used as economic hedges Foreign exchange contracts: Spot, forwards and swaps 453 3 — 560 1 3 Total risk management purposes 30,603 3 3 31,710 1 11 Customer-initiated and other activities Interest rate contracts: Caps and floors written 1,781 — 12 1,577 — 18 Caps and floors purchased 1,781 12 — 1,577 18 — Swaps 19,189 165 320 19,316 207 409 Total interest rate contracts 22,751 177 332 22,470 225 427 Energy contracts: Caps and floors written 3,460 — 201 3,719 3 291 Caps and floors purchased 3,460 202 — 3,719 292 3 Swaps 6,338 214 199 6,368 463 442 Total energy contracts 13,258 416 400 13,806 758 736 Foreign exchange contracts: Spot, forwards, options and swaps 3,117 70 59 2,751 35 32 Total customer-initiated and other activities 39,126 663 791 39,027 1,018 1,195 Total gross derivatives $ 69,729 666 794 $ 70,737 1,019 1,206 Amounts offset in the Consolidated Balance Sheets: Netting adjustment - Offsetting derivative assets/liabilities (330) (330) (311) (311) Netting adjustment - Cash collateral received/posted (80) — (143) (13) Net derivatives included in the Consolidated Balance Sheets (c) 256 464 565 882 Amounts not offset in the Consolidated Balance Sheets: Marketable securities pledged under bilateral collateral agreements (143) (2) (501) (4) Net derivatives after deducting amounts not offset in the Consolidated Balance Sheets $ 113 $ 462 $ 64 $ 878 (a) Notional or contractual amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected on the Consolidated Balance Sheets. (b) December 31, 2023 included $2 billion of forward starting swaps that became effective on their contractual start dates in 2024. There were no forward starting swaps at December 31, 2024. (c) Net derivative assets are included in accrued income and other assets and net derivative liabilities are included in accrued expenses and other liabilities on the Consolidated Balance Sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and credit risk of the Corporation. The fair value of net derivative assets included credit valuation adjustments for counterparty credit risk of $1 million and $3 million at December 31, 2024 and 2023, respectively.
Schedule of Effects of Fair Value Hedging on the Consolidated Statements of Comprehensive Income	The following table details the effects of fair value hedging on the Consolidated Statements of Comprehensive Income. (in millions) Interest on Medium- and Long-Term Debt Years Ended December 31 2024 2023 2022 Total interest on medium-and long-term debt (a) $ 463 $ 378 $ 87 Fair value hedging relationships: Interest rate contracts: Hedged items 335 265 112 Derivatives designated as hedging instruments 128 113 (25) (a) Includes the effects of hedging.
Schedule Of Weighted Average Maturity And Interest Rates On Risk Management Cash Flow Swaps	The following tables summarize the expected weighted average remaining maturity of the notional amount of risk management interest rate swaps, the weighted average interest rates associated with amounts expected to be received or paid on interest rate swap agreements, and for fair value swaps, the carrying amount of the related hedged items, as of December 31, 2024 and 2023. Cash flow swaps - receive fixed/pay floating rate on variable-rate loans (a) (dollar amounts in millions) December 31, 2024 December 31, 2023 Weighted average: Time to maturity (in years) 3.1 3.9 Receive rate (b) 2.55 % 2.43 % Pay rate (b), (c) 4.55 5.38 (a) December 31, 2023 included $7.0 billion of de-designated interest rate swaps. (b) Excludes 2.0 billion of forward starting swaps not effective as of December 31, 2023. There were no forward starting swaps at December 31, 2024. (c) Variable rates paid on receive fixed swaps designated as cash flow hedges were based on SOFR rates in effect at December 31, 2024 and BSBY or SOFR rates in effect at December 31, 2023.
Schedule Of Weighted Average Maturity And Interest Rates On Risk Management Fair Value Swaps	Fair value swaps - receive fixed/pay floating rate on medium- and long-term debt (dollar amounts in millions) December 31, 2024 December 31, 2023 Carrying value of hedged items (a) $ 6,673 $ 6,206 Weighted average: Time to maturity (in years) 2.6 3.1 Receive rate 3.77 % 3.67 % Pay rate (b) 4.80 5.74 (a) Included $(122) million and $(93) million of cumulative hedging adjustments at December 31, 2024 and 2023, respectively, which included $2 million and $3 million, respectively, of hedging adjustment on a discontinued hedging relationship. (b) Floating rates paid on receive fixed swaps designated as fair value hedges were based on SOFR rates in effect at December 31, 2024 and December 31, 2023.
Schedule Of Net Gains Recognized In Income On Customer-Initiated Derivatives	The net gains recognized in income on customer-initiated derivative instruments, net of the impact of offsetting positions included in derivative income, were as follows: Years Ended December 31, (in millions) 2024 2023 2022 Interest rate contracts $ 21 $ 22 $ 34 Energy contracts 19 25 28 Foreign exchange contracts 47 51 47 Total $ 87 $ 98 $ 109
Schedule Of Financial Instruments With Off-Balance Sheet Credit Risk	The Corporation’s credit risk associated with these instruments is represented by the contractual amounts indicated in the following table. (in millions) December 31 2024 2023 Unused commitments to extend credit: Commercial and other $ 24,342 $ 27,303 Bankcard, revolving credit and home equity loan commitments 4,055 4,082 Total unused commitments to extend credit $ 28,397 $ 31,385 Standby letters of credit $ 4,138 $ 3,586 Commercial letters of credit 12 48
Summary Of Criticized Letters Of Credit	The following table presents a summary of criticized standby and commercial letters of credit at December 31, 2024 and 2023. The Corporation's criticized list is consistent with the Special Mention, Substandard and Doubtful categories defined by regulatory authorities. The Corporation manages credit risk through underwriting, periodically reviewing and approving its credit exposures using Board committee approved credit policies and guidelines. (dollar amounts in millions) December 31, 2024 December 31, 2023 Total criticized standby and commercial letters of credit $ 37 $ 50 As a percentage of total outstanding standby and commercial letters of credit 0.9 % 1.4 %

Variable Interest Entities (V_2

Variable Interest Entities (VIEs) (Tables)	12 Months Ended
	Dec. 31, 2024
Variable Interest Entity, Not Primary Beneficiary, Disclosures [Abstract]
Impact of VIEs on the Consolidated Statements of Income	The following table summarizes the impact of these tax credit entities on the Corporation’s Consolidated Statements of Income. (in millions) Years Ended December 31 2024 Provision for income taxes: Amortization of investments $ 76 Tax credits (75) Other income tax benefits related to tax credit entities (16) Total provision for income taxes $ (15) Prior to the adoption of ASU 2023-02, only LIHTC investments qualified for the proportional amortization method of accounting. The following table summarizes the impact of these LIHTC entities on the Corporation’s Consolidated Statements of Comprehensive Income. (in millions) Years Ended December 31 2023 2022 Other noninterest income: Amortization of other tax credit investments $ (4) $ — Provision for income taxes: Amortization of LIHTC investments 69 72 Low income housing tax credits (65) (68) Other tax benefits related to tax credit entities (21) (18) Total provision for income taxes $ (17) $ (14)

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Schedule Of Maturities Of Certificates of Deposit and Other Deposits with a Stated Maturity	At December 31, 2024, the scheduled maturities of certificates of deposit and other deposits with a stated maturity were as follows: (in millions) Years Ending December 31 2025 $ 4,455 2026 54 2027 14 2028 6 2029 2 Thereafter 3 Total $ 4,534
Schedule Of Maturities Of Domestic Deposits Of $100,000 Or More	A maturity distribution of domestic certificates of deposit of $100,000 and over follows: (in millions) December 31 2024 2023 Three months or less $ 1,135 $ 1,083 Over three months to six months 1,040 1,052 Over six months to twelve months 263 359 Over twelve months 24 32 Total $ 2,462 $ 2,526

Short-term Borrowings Short-ter

Short-term Borrowings Short-term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2024
Short-Term Debt [Abstract]
Summary of Short-term Borrowings	The following table provides a summary of short-term borrowings. (dollar amounts in millions) Federal Funds Purchased Other December 31, 2024 Amount outstanding at year-end $ — $ — Weighted average interest rate at year-end — % — % Maximum month-end balance during the year $ 37 $ 3,550 Average balance outstanding during the year 8 829 Weighted average interest rate during the year 5.28 % 5.74 % December 31, 2023 Amount outstanding at year-end $ 15 $ 3,550 Weighted average interest rate at year-end 5.30 % 5.74 % Maximum month-end balance during the year $ 19 $ 11,000 Average balance outstanding during the year 29 7,189 Weighted average interest rate during the year 4.77 % 5.41 % December 31, 2022 Amount outstanding at year-end $ 11 $ 3,200 Weighted average interest rate at year-end 4.32 % 4.54 % Maximum month-end balance during the year $ 1,106 $ 3,200 Average balance outstanding during the year 82 354 Weighted average interest rate during the year 3.28 % 4.08 %

Medium- And Long-Term Debt (Tab

Medium- And Long-Term Debt (Tables)	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Schedule Of Medium- And Long-Term Debt	Medium- and long-term debt is summarized as follows: (in millions) December 31 2024 2023 Parent company Subordinated notes: 3.80% subordinated notes due 2026 $ 243 $ 241 Medium- and long-term notes: 4.00% notes due 2029 519 523 5.982% notes due 2030 984 — Total medium- and long-term notes 1,503 523 Total parent company 1,746 764 Subsidiaries Subordinated notes: 4.00% subordinated notes due 2025 345 337 7.875% subordinated notes due 2026 157 162 5.332% subordinated notes due 2033 451 466 Total subordinated notes 953 965 Medium- and long-term notes: 2.50% notes due July 2024 — 489 Total medium- and long-term notes — 489 Federal Home Loan Bank (FHLB) advances: 5.07% advance due 2025 1,000 995 4.79% advance due 2026 997 997 4.49% advance due 2027 992 999 4.49% advance due 2028 985 997 Total FHLB advances 3,974 3,988 Total subsidiaries 4,927 5,442 Total medium- and long-term debt $ 6,673 $ 6,206
Schedule of Maturities of Medium- and Long-term Debt	At December 31, 2024, the principal maturities of medium- and long-term debt were as follows: (in millions) Years Ending December 31 2025 $ 1,350 2026 1,400 2027 1,000 2028 1,000 2029 550 Thereafter 1,500 Total $ 6,800

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	12 Months Ended
	Dec. 31, 2024
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule Of Accumulated Other Comprehensive Income (Loss)	The following table presents a reconciliation of the changes in the components of accumulated other comprehensive loss and details the components of other comprehensive (loss) income for the years ended December 31, 2024, 2023 and 2022, including the amount of income tax (benefit) expense allocated to each component of other comprehensive (loss) income. (in millions) Years Ended December 31 2024 2023 2022 Accumulated net unrealized losses on investment securities: Balance at beginning of period, net of tax $ (2,043) $ (2,319) $ (99) Net unrealized holding (losses) gains arising during the period (182) 361 (2,903) Less: (Benefit) provision for income taxes (43) 85 (683) Net unrealized holding (losses) gains arising during the period, net of tax (139) 276 (2,220) Less: Net realized losses included in net securities losses 19 — — Less: Benefit for income taxes 4 — — Reclassification adjustment for net securities losses included in net income, net of tax 15 — — Change in net unrealized losses on investment securities, net of tax (154) 276 (2,220) Balance at end of period, net of tax $ (2,197) $ (2,043) $ (2,319) Accumulated net losses on cash flow hedges: Balance at beginning of period, net of tax $ (605) $ (942) $ 55 Net cash flow hedge (losses) gains arising during the period (624) 34 (1,329) Reclassification of loss related to de-designation of derivatives to other noninterest income — (195) — Less: Benefit for income taxes (181) (38) (313) Change in net cash flow hedge losses arising during the period, net of tax (443) (123) (1,016) Less: Net cash flow losses included in interest and fees on loans (629) (576) (25) Net amortization of unrealized losses related to de-designated derivatives included in interest and fees on loans (8) (26) — Less: Benefit for income taxes (185) (142) (6) Reclassification adjustment for net cash flow hedge losses included in net income, net of tax (452) (460) (19) Change in net cash flow hedge losses, net of tax 9 337 (997) Balance at end of period, net of tax (a) $ (596) $ (605) $ (942) Accumulated defined benefit pension and other postretirement plans adjustment: Balance at beginning of period, net of tax $ (400) $ (481) $ (168) Actuarial gain (loss) arising during the period 35 96 (415) Less: Provision (benefit) for income taxes 8 25 (98) Net defined benefit pension and other postretirement plans adjustment arising during the period, net of tax 27 71 (317) Amounts recognized in other noninterest expenses: Amortization of actuarial net loss 27 36 28 Amortization of prior service credit (22) (23) (23) Total amounts recognized in other noninterest expenses 5 13 5 Less: Provision for income taxes — 3 1 Adjustment for amounts recognized as components of net periodic benefit credit during the period, net of tax 5 10 4 Change in defined benefit pension and other postretirement plans adjustment, net of tax 32 81 (313) Balance at end of period, net of tax $ (368) $ (400) $ (481) Total accumulated other comprehensive loss at end of period, net of tax $ (3,161) $ (3,048) $ (3,742) (a) The Corporation expects to reclassify $198 million of losses, net of tax, from accumulated other comprehensive loss to earnings over the next twelve months if interest yield curves and notional amounts remain at December 31, 2024 levels.

Net Income Per Common Share (Ta

Net Income Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Basic And Diluted Net Income Per Common Share	Basic and diluted net income per common share are presented in the following table. (in millions, except per share data) Years Ended December 31 2024 2023 2022 Basic and diluted Net income $ 698 $ 881 $ 1,151 Less: Income allocated to participating securities 4 4 6 Preferred stock dividends 23 23 23 Net income attributable to common shares $ 671 $ 854 $ 1,122 Basic average common shares 133 132 131 Basic net income per common share $ 5.06 $ 6.47 $ 8.56 Basic average common shares 133 132 131 Dilutive common stock equivalents: Net effect of the assumed exercise of stock awards 1 1 2 Diluted average common shares 134 133 133 Diluted net income per common share $ 5.02 $ 6.44 $ 8.47
Schedule of Average Shares Excluded From Diluted Net Income Per Common Share Computation	The following average shares related to outstanding options to purchase shares of common stock were not included in the computation of diluted net income per common share because the options were anti-dilutive for the period. (average outstanding options in thousands) Years Ended December 31 2024 2023 2022 Average outstanding options 1,792 1,631 543 Range of exercise prices $53.96 - $95.25 $49.20 - $95.25 $70.18 - $95.25

Share-Based Compensation Share-

Share-Based Compensation Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Summary of Components of Share-Based Compensation Expense	The total share-based compensation expense for all share-based compensation plans and related tax benefits are as follows: (in millions) Years Ended December 31 2024 2023 2022 Total share-based compensation expense $ 54 $ 52 $ 60 Related tax benefits recognized in net income 12 12 14
Schedule of Unrecognized Compensation Expense	The following table summarizes unrecognized compensation expense for all share-based plans. (dollar amounts in millions) December 31, 2024 Total unrecognized share-based compensation expense $ 47 Weighted-average expected recognition period (in years) 2.2
Estimated Weighted-Average Grant-Date Fair Value per Option and the Underlying Model Assumptions	The estimated weighted-average grant-date fair value per option and the underlying binomial option-pricing model assumptions are summarized in the following table: Years Ended December 31 2024 2023 2022 Weighted-average grant-date fair value per option $ 17.64 $ 20.21 $ 25.31 Weighted-average assumptions: Risk-free interest rates 4.13 % 3.46 % 1.78 % Expected dividend yield 4.00 4.00 4.00 Volatility 37 32 34 Expected option life (in years) 7.5 7.8 8.0
Summary of Stock Option Activity and Related Information	A summary of the Corporation’s stock option activity and related information for the year ended December 31, 2024 follows: Weighted-Average Number of Exercise Price Remaining Aggregate Outstanding-January 1, 2024 2,083 $ 64.03 Granted 322 53.96 Forfeited or expired (60) 67.87 Exercised (279) 46.19 Outstanding-December 31, 2024 2,066 64.76 5.1 $ 12 Exercisable-December 31, 2024 1,456 $ 64.87 3.7 $ 9
Summary of Restricted Stock Unit Activity and Related Information	A summary of the Corporation's restricted stock unit activity and related information for the year ended December 31, 2024 follows: Service-Based Units Performance-Based Units Number of Weighted-Average Number of Weighted-Average Outstanding-January 1, 2024 1,518 $ 62.42 727 $ 67.70 Granted 774 51.31 542 52.62 Forfeited (103) 62.29 (32) 67.71 Vested (365) 76.76 (437) 56.14 Outstanding-December 31, 2024 1,824 54.85 800 63.81

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2024
Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Abstract]
Schedule of Defined Benefit Plans Disclosures	The following table sets forth reconciliations of plan assets and the projected benefit obligation, the weighted-average assumptions used to determine year-end benefit obligations, and the amounts recognized in accumulated other comprehensive loss for the Corporation’s defined benefit pension plans and postretirement benefit plan at December 31, 2024 and 2023. The Corporation used a measurement date of December 31, 2024 for these plans. Defined Benefit Pension Plans Qualified Non-Qualified Postretirement Benefit Plan (dollar amounts in millions) 2024 2023 2024 2023 2024 2023 Change in fair value of plan assets: Fair value of plan assets at January 1 $ 2,681 $ 2,508 $ — $ — $ 45 $ 46 Actual return on plan assets 164 338 — — — 1 Benefits paid (114) (165) — — (2) (2) Fair value of plan assets at December 31 $ 2,731 $ 2,681 $ — $ — $ 43 $ 45 Change in projected benefit obligation: Projected benefit obligation at January 1 $ 1,629 $ 1,611 $ 169 $ 163 $ 17 $ 21 Service cost 35 31 2 2 — — Interest cost 82 85 9 9 1 1 Actuarial (loss) gain (51) 67 — 10 (1) (3) Benefits paid (114) (165) (15) (15) (2) (2) Projected benefit obligation at December 31 $ 1,581 $ 1,629 $ 165 $ 169 $ 15 $ 17 Accumulated benefit obligation $ 1,563 $ 1,611 $ 162 $ 166 $ 15 $ 17 Funded status at December 31 (a) (b) $ 1,150 $ 1,052 $ (165) $ (169) $ 28 $ 28 Weighted-average assumptions used: Discount rate 5.72 % 5.33 % 5.72 % 5.33 % 5.72 % 5.43 % Rate of compensation increase 4.50 4.50 4.50 4.50 n/a n/a Interest crediting rate 4.54 - 5.25 4.66 - 5.25 4.54 - 5.25 4.66 - 5.25 n/a n/a Amounts recognized in accumulated other comprehensive loss before income taxes: Net actuarial loss $ (443) $ (501) $ (49) $ (52) $ (10) $ (9) Prior service credit 5 19 23 29 2 2 Balance at December 31 $ (438) $ (482) $ (26) $ (23) $ (8) $ (7) (a) Based on projected benefit obligation for defined benefit pension plans and accumulated benefit obligation for postretirement benefit plan. (b) The Corporation recognizes the overfunded and underfunded status of the plans in accrued income and other assets and accrued expenses and other liabilities, respectively, on the Consolidated Balance Sheets. n/a - not applicable
Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)	The following table details the changes in plan assets and benefit obligations recognized in other comprehensive (loss) income for the year ended December 31, 2024. Defined Benefit Pension Plans (in millions) Qualified Non-Qualified Postretirement Benefit Plan Total Actuarial gain (loss) arising during the period $ 36 $ — $ (1) $ 35 Amortization of net actuarial loss 23 4 — 27 Amortization of prior service credit (15) (7) — (22) Total recognized in other comprehensive (loss) income $ 44 $ (3) $ (1) $ 40
Components of Net Periodic Defined Benefit Cost	Components of net periodic defined benefit (credit) cost and postretirement benefit credit, the actual return on plan assets and the weighted-average assumptions used were as follows: Defined Benefit Pension Plans (dollar amounts in millions) Qualified Non-Qualified Years Ended December 31 2024 2023 2022 2024 2023 2022 Service cost (a) $ 35 $ 31 $ 37 $ 2 $ 2 $ 2 Other components of net benefit (credit) cost: Interest cost 82 85 62 9 9 6 Expected return on plan assets (179) (166) (201) — — — Amortization of prior service credit (15) (14) (14) (7) (9) (9) Amortization of actuarial net loss 23 32 19 4 4 9 Total other components of net benefit (credit) cost (b) (89) (63) (134) 6 4 6 Net periodic defined benefit (credit) cost $ (54) $ (32) $ (97) $ 8 $ 6 $ 8 Actual return on plan assets $ 164 $ 338 $ (777) n/a n/a n/a Actual rate of return on plan assets 6.26 % 13.91 % (23.02) % n/a n/a n/a Weighted-average assumptions used: Discount rate 5.33 % 5.60 % 2.96 % 5.33 % 5.60 % 2.96 % Expected long-term return on plan assets 6.75 6.50 6.50 n/a n/a n/a Rate of compensation increase 4.50 4.25 4.00 4.50 4.25 4.00 (a) Included in salaries and benefits expense on the Consolidated Statements of Income. (b) Included in other noninterest expenses on the Consolidated Statements of Income. n/a - not applicable (dollar amounts in millions) Postretirement Benefit Plan Years Ended December 31 2024 2023 2022 Other components of net benefit credit: Interest cost $ 1 $ 1 $ 1 Expected return on plan assets (2) (2) (3) Net periodic postretirement benefit credit $ (1) $ (1) $ (2) Actual return on plan assets $ — $ 1 $ (4) Actual rate of return on plan assets 0.28 % 2.61 % (8.24) % Weighted-average assumptions used: Discount rate 5.43 % 5.71 % 2.79 % Expected long-term return on plan assets 5.00 5.00 5.00
Fair Value of Defined Benefit Plan Investments	The fair values of the Corporation’s qualified defined benefit pension plan investments measured at fair value on a recurring basis at December 31, 2024 and 2023, by asset category and level within the fair value hierarchy, are detailed in the table below. (in millions) Total Level 1 Level 2 Level 3 December 31, 2024 Fixed income securities: U.S. Treasury and other U.S. government agency securities $ 676 $ 670 $ 6 $ — Corporate and municipal bonds and notes 809 — 809 — Private placements 37 — — 37 Total investments in the fair value hierarchy $ 1,522 $ 670 $ 815 $ 37 Investments measured at net asset value: Collective investment funds 1,192 Total investments at fair value $ 2,714 December 31, 2023 Fixed income securities: U.S. Treasury and other U.S. government agency securities $ 567 $ 564 $ 3 $ — Corporate and municipal bonds and notes 786 — 786 — Private placements 44 — — 44 Total investments in the fair value hierarchy $ 1,397 $ 564 $ 789 $ 44 Investments measured at net asset value: Collective investment funds 1,268 Total investments at fair value $ 2,665
Changes in Level 3 Defined Benefit Plan Investments	The table below provides a summary of changes in the Corporation’s qualified defined benefit pension plan’s Level 3 investments measured at fair value on a recurring basis for the years ended December 31, 2024 and 2023. Balance at Balance at Net Gains (Losses) (in millions) Realized Unrealized Purchases Sales Year Ended December 31, 2024 Private placements $ 44 $ — $ (2) $ 47 $ (52) $ 37 Year Ended December 31, 2023 Private placements $ 39 $ (3) $ 8 $ 46 $ (46) $ 44
Estimated Future Benefit Payments	The Corporation currently expects to make no employer contributions to the qualified and non-qualified defined benefit pension plans and postretirement benefit plan for the year ended December 31, 2025. Estimated Future Benefit Payments (in millions) Years Ended December 31 Qualified Non-Qualified Postretirement 2025 $ 166 $ 15 $ 2 2026 146 15 2 2027 146 15 2 2028 144 15 2 2029 145 15 2 2030 - 2034 670 75 5 (a) Estimated benefit payments in the postretirement benefit plan are net of estimated Medicare subsidies.

Income Taxes And Tax-Related _2

Income Taxes And Tax-Related Items Income Taxes And Tax-Related Items (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Current and Deferred Components of the Provision for Income Taxes	The current and deferred components of the provision for income taxes were as follows: (in millions) December 31 2024 2023 2022 Current: Federal $ 143 $ 297 $ 296 Foreign 11 9 6 State and local 37 49 50 Total current 191 355 352 Deferred: Federal 23 (83) (24) State and local (24) (9) (3) Total deferred (1) (92) (27) Total $ 190 $ 263 $ 325
Reconciliation of Expected Income Tax Expense at the Federal Statutory Rate to the Provision for Income Taxes	A reconciliation of expected income tax expense at the federal statutory rate to the Corporation’s provision for income taxes and effective tax rate follows: (dollar amounts in millions) 2024 2023 2022 Years Ended December 31 Amount Rate Amount Rate Amount Rate Tax based on federal statutory rate $ 186 21.0 % $ 240 21.0 % $ 310 21.0 % State income taxes 10 1.1 35 3.1 36 2.5 Affordable housing and historic credits (15) (1.7) (16) (1.4) (13) (0.9) Bank-owned life insurance (8) (0.9) (10) (0.9) (10) (0.7) FDIC insurance expense 13 1.5 15 1.3 6 0.4 Employee stock transactions 1 0.2 (1) (0.1) (3) (0.2) Tax-related interest and penalties — — (4) (0.4) — — Other 3 0.4 4 0.4 (1) (0.1) Provision for income taxes $ 190 21.6 % $ 263 23.0 % $ 325 22.0 %
Reconciliation of Beginning and Ending Unrecognized Tax Benefits	A reconciliation of the beginning and ending amount of net unrecognized tax benefits follows: (in millions) 2024 2023 2022 Balance at January 1 $ 7 $ 16 $ 18 Increase as a result of tax positions taken during a prior period — — (2) Increase as a result of tax positions taken during the current period 1 1 3 Decreases related to settlements with tax authorities — (10) (3) Reduction as a result of expiration of statute of limitations — — — Balance at December 31 $ 8 $ 7 $ 16
Tax Years Remaining Open for Examination for Significant Tax Jurisdictions	The following tax years for significant jurisdictions remain subject to examination as of December 31, 2024: Jurisdiction Tax Years Federal 2021-2023 New York 2018-2023 California 2020-2023
Principal Components of Deferred Tax Assets and Liabilities	The principal components of deferred tax assets and liabilities were as follows: (in millions) December 31 2024 2023 Deferred tax assets: Allowance for loan losses $ 145 $ 145 Deferred compensation 72 77 Deferred loan origination fees and costs 10 11 Net hedging losses 187 186 Net unrealized losses on investment securities available-for-sale 690 628 Operating lease liabilities 75 81 Other temporary differences, net 131 124 Total deferred tax assets before valuation allowance 1,310 1,252 Valuation allowance (11) (6) Total deferred tax assets 1,299 1,246 Deferred tax liabilities: Lease financing transactions (18) (20) Defined benefit plans (177) (159) Allowance for depreciation (9) (5) Leasing Right of Use assets (61) (67) Total deferred tax liabilities (265) (251) Net deferred tax assets $ 1,034 $ 995

Regulatory Capital and Reserv_2

Regulatory Capital and Reserve Requirements Regulatory Capital and Reserve Requirements (Tables)	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Summary of Capital Position	The following is a summary of the capital position of the Corporation and Comerica Bank, its principal banking subsidiary. (dollar amounts in millions) Comerica Comerica December 31, 2024 CET1 capital (minimum $3.3 billion (Consolidated)) $ 8,667 $ 8,547 Tier 1 capital (minimum $4.4 billion (Consolidated)) 9,061 8,547 Total capital (minimum $5.8 billion (Consolidated)) 10,363 9,799 Risk-weighted assets 72,903 72,833 Average assets (fourth quarter) 81,797 81,643 CET1 capital to risk-weighted assets (minimum-4.5%) 11.89 % 11.74 % Tier 1 capital to risk-weighted assets (minimum-6.0%) 12.43 11.74 Total capital to risk-weighted assets (minimum-8.0%) 14.21 13.45 Tier 1 capital to average assets (minimum-4.0%) 11.08 10.47 Capital conservation buffer (minimum-2.5%) 6.21 5.45 December 31, 2023 CET1 capital (minimum $3.4 billion (Consolidated)) $ 8,414 $ 8,007 Tier 1 capital (minimum $4.6 billion (Consolidated)) 8,808 8,007 Total capital (minimum $6.1 billion (Consolidated)) 10,263 9,362 Risk-weighted assets 75,901 75,783 Average assets (fourth quarter) 87,538 87,423 CET1 capital to risk-weighted assets (minimum-4.5%) 11.09 % 10.57 % Tier 1 capital to risk-weighted assets (minimum-6.0%) 11.60 10.57 Total capital to risk-weighted assets (minimum-8.0%) 13.52 12.35 Tier 1 capital to average assets (minimum-4.0%) 10.06 9.16 Capital conservation buffer (minimum-2.5%) 5.52 4.35

Business Segment Information (T

Business Segment Information (Tables)	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Business Segment Financial Results	Business segment financial results are as follows: (dollar amounts in millions) Commercial Retail Wealth Management Finance Other Total Year Ended December 31, 2024 Earnings summary: Net interest income (expense) $ 1,869 $ 813 $ 187 $ (838) $ 159 $ 2,190 Provision for credit losses 47 2 (2) — 2 49 Noninterest income 592 112 287 50 13 1,054 Salaries and benefits expense 299 224 136 56 637 1,352 Outside processing fee expense 195 19 41 5 13 273 Occupancy expense 23 103 12 3 40 181 Allocated corporate expense 415 272 128 (70) (745) — All other noninterest expenses (a) 117 89 56 11 228 501 Total noninterest expenses 1,049 707 373 5 173 2,307 Provision (benefit) for income taxes 295 48 23 (179) 3 190 Net income (loss) $ 1,070 $ 168 $ 80 $ (614) $ (6) $ 698 Net charge-offs $ 47 $ 4 $ 1 $ — $ — $ 52 Selected average balances: Assets $ 45,859 $ 3,038 $ 5,310 $ 18,400 $ 7,961 $ 80,568 Loans 43,584 2,335 5,050 — 10 50,979 Deposits 32,264 24,292 3,894 3,179 272 63,901 Year Ended December 31, 2023 Earnings summary: Net interest income (expense) $ 2,051 $ 846 $ 208 $ (693) $ 102 $ 2,514 Provision for credit losses 90 3 (6) — 2 89 Noninterest income 603 119 307 37 12 1,078 Salaries and benefits expense 295 222 171 45 573 1,306 Outside processing fee expense 201 20 35 7 14 277 Occupancy expense 23 98 12 2 36 171 Allocated corporate expense 377 263 120 (59) (701) — All other noninterest expenses (a) 210 125 64 18 188 605 Total noninterest expenses 1,106 728 402 13 110 2,359 Provision (benefit) for income taxes 342 58 29 (164) (2) 263 Net income (loss) $ 1,116 $ 176 $ 90 $ (505) $ 4 $ 881 Net charge-offs $ 20 $ 2 $ — $ — $ — $ 22 Selected average balances: Assets $ 49,458 $ 2,960 $ 5,500 $ 20,139 $ 9,137 $ 87,194 Loans 46,432 2,237 5,232 — 2 53,903 Deposits 33,019 24,363 4,130 4,169 337 66,018 Table continues on the following page. (dollar amounts in millions) Commercial Bank Retail Wealth Management Finance Other Total Year Ended December 31, 2022 Earnings summary: Net interest income (expense) $ 1,761 $ 680 $ 199 $ (195) $ 21 $ 2,466 Provision for credit losses 32 11 9 — 8 60 Noninterest income 607 122 298 59 (18) 1,068 Salaries and benefits expense 275 226 154 44 509 1,208 Outside processing fee expense 185 22 27 4 13 251 Occupancy expense 21 107 12 2 33 175 Allocated corporate expense 394 241 120 (55) (700) — All other noninterest expenses (a) 89 94 35 6 140 364 Total noninterest expenses 964 690 348 1 (5) 1,998 Provision (benefit) for income taxes 315 22 34 (39) (7) 325 Net income (loss) $ 1,057 $ 79 $ 106 $ (98) $ 7 $ 1,151 Net charge-offs (recoveries) $ 21 $ (1) $ (3) $ — $ — $ 17 Selected average balances: Assets $ 47,437 $ 2,814 $ 5,037 $ 20,912 $ 11,072 $ 87,272 Loans 43,481 2,063 4,906 — 10 50,460 Deposits 42,584 26,672 5,439 360 426 75,481 (a) All other noninterest expenses for each reportable business segment includes: i. Commercial Bank and Retail Bank - Primarily FDIC insurance expense, software expense and other noninterest expenses. ii. Wealth Management - Primarily software expense and other noninterest expenses.

Parent Company Financial Stat_2

Parent Company Financial Statements Parent Company Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Balance Sheets - Comerica Incorporated	BALANCE SHEETS - COMERICA INCORPORATED (in millions, except share data) December 31 2024 2023 Assets Cash and due from subsidiary banks $ 1,218 $ 1,415 Investment securities 35 — Other short-term investments 89 104 Receivable due from subsidiary bank 850 — Investment in subsidiaries, principally banks 6,212 5,777 Accrued income and other assets 220 180 Total assets $ 8,624 $ 7,476 Liabilities and Shareholders’ Equity Medium- and long-term debt $ 1,746 $ 764 Accrued expenses and other liabilities 335 306 Total liabilities 2,081 1,070 Fixed-rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares Issued - 4,000 shares 394 394 Common stock - $5 par value: Authorized - 325,000,000 shares Issued - 228,164,824 shares 1,141 1,141 Capital surplus 2,218 2,224 Accumulated other comprehensive loss (3,161) (3,048) Retained earnings 12,017 11,727 Less cost of common stock in treasury - 96,755,368 shares at 12/31/2024 and 96,266,568 shares at 12/31/2023 (6,066) (6,032) Total shareholders’ equity 6,543 6,406 Total liabilities and shareholders’ equity $ 8,624 $ 7,476
Statements of Income - Comerica Incorporated	STATEMENTS OF INCOME - COMERICA INCORPORATED (in millions) Years Ended December 31 2024 2023 2022 Income Income from subsidiaries: Dividends from subsidiaries $ 200 $ 677 $ 1,067 Other interest income 58 53 13 Intercompany management fees 85 75 109 Total income 343 805 1,189 Expenses Interest on medium- and long-term debt 124 79 47 Salaries and benefits expense 71 62 53 Other noninterest expenses 15 13 46 Total expenses 210 154 146 Income before benefit for income taxes and equity in undistributed earnings of subsidiaries 133 651 1,043 Benefit for income taxes (11) (2) (3) Income before equity in undistributed earnings of subsidiaries 144 653 1,046 Equity in undistributed earnings of subsidiaries, principally banks 554 228 105 Net income 698 881 1,151 Less income allocated to participating securities 4 4 6 Preferred stock dividends 23 23 23 Net income attributable to common shares $ 671 $ 854 $ 1,122
Statements of Cash Flows - Comerica Incorporated	STATEMENTS OF CASH FLOWS - COMERICA INCORPORATED (in millions) Years Ended December 31 2024 2023 2022 Operating Activities Net income $ 698 $ 881 $ 1,151 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiaries, principally banks (554) (228) (105) Net periodic defined benefit cost 1 1 2 Share-based compensation expense 20 18 22 Benefit for deferred income taxes (8) (2) — Other, net 21 28 24 Net cash provided by operating activities 178 698 1,094 Investing Activities Investment securities available-for-sale: Maturities and redemptions 70 — — Purchases (103) — — Advance to subsidiary bank (850) — — Repayment of subsidiary advance — 150 — Other, net — — 2 Net cash (used in) provided by investing activities (883) 150 2 Financing Activities Medium- and long-term debt: Maturities — (850) — Issuances 1,000 — — Cash dividends paid on preferred stock (23) (23) (23) Common Stock: Repurchases (100) — (36) Stock tendered for payment of withholding taxes (14) (17) (7) Cash dividends paid (377) (371) (353) Issuances under employee stock plans 22 18 28 Net cash provided by (used in) financing activities 508 (1,243) (391) Net (decrease) increase in cash and cash equivalents (197) (395) 705 Cash and cash equivalents at beginning of period 1,415 1,810 1,105 Cash and cash equivalents at end of period $ 1,218 $ 1,415 $ 1,810 Interest paid $ 115 $ 76 $ 41

Revenue from Contracts with C_2

Revenue from Contracts with Customers Revenue from Contracts wtih Customers (Tables)	12 Months Ended
	Dec. 31, 2024
Revenue from Contracts with Customers [Abstract]
Composition of Revenue from Contracts with Customers	Revenue from contracts with customers comprises the noninterest income earned by the Corporation in exchange for services provided to customers. The following table presents the composition of revenue from contracts with customers, segregated from other sources of noninterest income, by business segment. Commercial Retail Wealth Management Finance & Other Total (in millions) Year Ended December 31, 2024 Revenue from contracts with customers: Card fees $ 212 $ 40 $ 4 $ — $ 256 Fiduciary income 1 — 219 — 220 Service charges on deposit accounts 124 54 6 — 184 Commercial loan servicing fees (a) 12 — — — 12 Capital markets income (b) 22 — — — 22 Brokerage fees — 1 50 — 51 Other noninterest income (b) 7 14 5 1 27 Total revenue from contracts with customers 378 109 284 1 772 Other sources of noninterest income 214 3 3 62 282 Total noninterest income $ 592 $ 112 $ 287 $ 63 $ 1,054 Year Ended December 31, 2023 Revenue from contracts with customers: Card fees $ 231 $ 45 $ 4 $ — $ 280 Fiduciary income 1 — 234 — 235 Service charges on deposit accounts 125 55 5 — 185 Commercial loan servicing fees (a) 11 — — — 11 Capital markets income (b) 17 — — — 17 Brokerage fees — — 30 — 30 Other noninterest income (b) 2 14 23 1 40 Total revenue from contracts with customers 387 114 296 1 798 Other sources of noninterest income 216 5 11 48 280 Total noninterest income $ 603 $ 119 $ 307 $ 49 $ 1,078 Year Ended December 31, 2022 Revenue from contracts with customers: Card fees $ 227 $ 42 $ 4 $ — $ 273 Fiduciary income — — 233 — 233 Service charges on deposit accounts 132 57 6 — 195 Commercial loan servicing fees (a) 11 — — — 11 Capital markets income (b) 11 — — — 11 Brokerage fees — — 21 — 21 Other noninterest income (b) 3 16 24 1 44 Total revenue from contracts with customers 384 115 288 1 788 Other sources of noninterest income 223 7 10 40 280 Total noninterest income $ 607 $ 122 $ 298 $ 41 $ 1,068 (a) Included in commercial lending fees on the Consolidated Statements of Income. (b) Excludes derivative, warrant and other miscellaneous income.

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Lease expense	As a lessee, the Corporation has entered into operating leases for the majority of its real estate locations, primarily retail and office space. Total lease expense for the years ended December 31, 2024, 2023 and 2022 were as follows: (in millions) Years Ended December 31 2024 2023 2022 Operating lease expense $ 69 $ 67 $ 68 Variable lease expense 19 18 17 Less: sublease income (1) (1) (1) Total lease expense $ 87 $ 84 $ 84
Leases - Supplemental balance sheet information	Supplemental balance sheet information related to leases is summarized as follows: (dollar amounts in millions) Years Ended December 31 2024 2023 2022 Included in accrued income and other assets Right-of-use (ROU) assets $ 292 $ 317 $ 338 Included in accrued expenses and other liabilities Operating lease liabilities 357 388 406 Weighted average discount rate 3.92 % 3.72 % 3.53 % Weighted average remaining lease term in years 8 9 9
Leases - Supplemental cash flow information	Supplemental cash flow information related to leases is summarized as follows: (in millions) Years Ended December 31 2024 2023 2022 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 80 $ 69 $ 66 ROU assets obtained in exchange for new liabilities 27 28 80
Contractual maturities of sales-type and direct financing lease receivables	As of December 31, 2024, the contractual maturities of operating lease liabilities were as follows: (in millions) Years Ended December 31 2025 $ 67 2026 67 2027 56 2028 48 2029 36 Thereafter 149 Total contractual maturities 423 Less imputed interest (66) Total operating lease liabilities $ 357
Contractual maturities of operating lease liabilities	As of December 31, 2024, the contractual maturities of sales-type and direct financing lease receivables were as follows: (in millions) Years Ended December 31 2025 $ 136 2026 96 2027 68 2028 55 2029 49 Thereafter 245 Total lease payments receivable 649 Unguaranteed residual values 51 Less deferred interest income (25) Total lease receivables (a) $ 675 (a) Excludes net investment in leveraged leases of $47 million.

Basis of Presentation and Acc_3

Basis of Presentation and Accounting Policies Basis of Presentation and Accounting Policies (Narrative) (Details)		12 Months Ended
		Dec. 31, 2024 USD ($) segments	Dec. 31, 2023 USD ($)
Federal Home Loan Bank Stock		$ 171,000,000	$ 316,550,000
Federal Reserve Bank Stock		85,271,550	85,271,550
Net Deferred Income on Originated Loans		$ (92,000,000)	(94,000,000)
Delinquency Status, Period of Unpaid Scheduled Monthly Payment		30 days
Hosting Arrangement, Service Contract, Implementation Cost, Capitalized, after Accumulated Amortization		$ 65,000,000	61,000,000
Hosting Arrangement, Service Contract, Implementation Cost, Capitalized, Accumulated Amortization		30,000,000	14,000,000
Hosting Arrangement, Service Contract, Implementation Cost, Depreciation Expense		$ 15,000,000	9,000,000
Number of Reporting Units | segments		3
Derivative, Notional Amount	[1]	$ 69,729,000,000	$ 70,737,000,000
Defined Benefit Plan Investment Gain Loss Amortization Adjustment, Allowable Percentage		1,000%
Defined Benefit Plan Actuarial Gain Loss Amortization Adjustment, Allowable Percentage		1,000%
Defined Benefit Plan Market-related Value Plan Assets, Amortization Period		5 years
Cumulative effect of change in accounting principle		$ (4,000,000)
Premises the Corporation owns | Minimum
Premises and Equipment, Useful Life		3 years
Premises the Corporation owns | Maximum
Premises and Equipment, Useful Life		33 years
Furniture and equipment | Minimum
Premises and Equipment, Useful Life		3 years
Furniture and equipment | Maximum
Premises and Equipment, Useful Life		8 years
Leasehold improvements | Maximum
Premises and Equipment, Useful Life		10 years
Software
Premises and Equipment, Useful Life		5 years
Retail loans | Commercial mortgage
Past Due Period Residential Mortgage And Home Equity Loans Placed On Nonaccrual Status		90 days
Past Due Threshold For Charge-Off		180 days
Commercial borrower | Business loans
Past Due Period Business Loans Placed On Nonaccrual Status		90 days
Consumer borrower | Retail loans | Home equity
Maximum Past Due Status Junior Lien Home Equity Placed On Nonaccrual Status		90 days
Consumer borrower | Retail loans | Other consumer
Threshold, Days Past Due, Other Consumer Placed On Nonaccrual Status		90 days
Past Due Threshold For Charge-Off		120 days
Retained Earnings
Cumulative effect of change in accounting principle		$ (4,000,000)
Fair Value Hedging | Short-Cut Method | Not Designated as Hedging Instrument [Member] | Interest rate swap
Derivative, Notional Amount		$ 6,800,000,000
[1] Notional or contractual amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected on the Consolidated Balance Sheets. (b) December 31, 2023 included $2 billion of forward starting swaps that became effective on their contractual start dates in 2024. There were no forward starting swaps at December 31, 2024.

Fair Value Measurements (Narrat

Fair Value Measurements (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Recurring
Transfers into or out of Level 1 or Level 2 or Level 3	$ 0	$ 0
Liabilities recorded at fair value	891	1,322
Nonrecurring
Liabilities recorded at fair value	$ 0	$ 0

Fair Value Measurements (Assets

Fair Value Measurements (Assets And Liabilities Recorded At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	$ 15,045	$ 16,869
Derivative assets	666	1,019
Derivative liabilities	794	1,206
U.S. Treasury securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	1,277	1,605
Residential mortgage-backed securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	9,076	10,519
Commercial Mortgage Backed Securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	4,692	4,745
Recurring
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	15,045	16,869
Derivative assets	666	1,019
Total assets at fair value	15,846	18,031
Derivative liabilities	800	1,218
Deferred compensation plan liabilities	91	104
Total liabilities at fair value	891	1,322
Recurring | Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	1,277	1,605
Derivative assets	0	0
Total assets at fair value	1,412	1,748
Derivative liabilities	0	0
Deferred compensation plan liabilities	91	104
Total liabilities at fair value	91	104
Recurring | Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	13,768	15,264
Derivative assets	666	1,019
Total assets at fair value	14,434	16,283
Derivative liabilities	794	1,206
Deferred compensation plan liabilities	0	0
Total liabilities at fair value	794	1,206
Recurring | Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	0	0
Derivative assets	0	0
Total assets at fair value	0	0
Derivative liabilities	6	12
Deferred compensation plan liabilities	0	0
Total liabilities at fair value	6	12
Recurring | Interest rate contracts
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	177	225
Derivative liabilities	335	435
Recurring | Interest rate contracts | Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Interest rate contracts | Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	177	225
Derivative liabilities	335	435
Recurring | Interest rate contracts | Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Energy derivative contracts
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	416	758
Derivative liabilities	400	736
Recurring | Energy derivative contracts | Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Energy derivative contracts | Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	416	758
Derivative liabilities	400	736
Recurring | Energy derivative contracts | Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Foreign exchange contracts
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	73	36
Derivative liabilities	59	35
Recurring | Foreign exchange contracts | Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Foreign exchange contracts | Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	73	36
Derivative liabilities	59	35
Recurring | Foreign exchange contracts | Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Derivative Financial Instruments, Liabilities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative liabilities	6	12
Recurring | Derivative Financial Instruments, Liabilities | Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative liabilities	0	0
Recurring | Derivative Financial Instruments, Liabilities | Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative liabilities	0	0
Recurring | Derivative Financial Instruments, Liabilities | Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Derivative liabilities	6	12
Total liabilities at fair value	(6)	(12)
Recurring | Deferred compensation plan assets
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Deferred compensation plan assets	89	104
Recurring | Deferred compensation plan assets | Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Deferred compensation plan assets	89	104
Recurring | Deferred compensation plan assets | Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Deferred compensation plan assets	0	0
Recurring | Deferred compensation plan assets | Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Deferred compensation plan assets	0	0
Recurring | Equity and other non-debt securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Equity Securities, FV-NI	46	39
Recurring | Equity and other non-debt securities | Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Equity Securities, FV-NI	46	39
Recurring | Equity and other non-debt securities | Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Equity Securities, FV-NI	0	0
Recurring | Equity and other non-debt securities | Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Equity Securities, FV-NI	0	0
Recurring | U.S. Treasury securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	1,277	1,605
Recurring | U.S. Treasury securities | Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	1,277	1,605
Recurring | U.S. Treasury securities | Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	0	0
Recurring | U.S. Treasury securities | Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	0	0
Recurring | Residential mortgage-backed securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	9,076	10,519
Recurring | Residential mortgage-backed securities | Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	0	0
Recurring | Residential mortgage-backed securities | Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	9,076	10,519
Recurring | Residential mortgage-backed securities | Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	0	0
Recurring | Commercial Mortgage Backed Securities
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	4,692	4,745
Recurring | Commercial Mortgage Backed Securities | Level 1
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	0	0
Recurring | Commercial Mortgage Backed Securities | Level 2
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	4,692	4,745
Recurring | Commercial Mortgage Backed Securities | Level 3
Assets and Liabilities Measured at Fair Value on a Recurring Basis [Line Items]
Fair Value	$ 0	$ 0

Fair Value Measurements (Change

Fair Value Measurements (Changes In Level 3 Assets And Liabilities Measured At Fair Value On A Recurring Basis) (Details) - Derivative Financial Instruments, Liabilities - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Balance at beginning of period	$ (12)	$ (12)
Realized gains (losses) recorded in earnings	6	0
Unrealized gains (losses) recorded in earnings	0	0
Balance at end of period	$ (6)	$ (12)

Fair Value Measurements (Asse_2

Fair Value Measurements (Assets And Liabilities Recorded At Fair Value On A Nonrecurring Basis) (Details) - Nonrecurring - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Liabilities recorded at fair value	$ 0	$ 0
Level 3
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Total loans	158	44
Loans held-for-sale	216	231
Other Real Estate	3	5
Total assets at fair value	377	280
Commercial borrower | Domestic loans | Level 3
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Total loans	69	12
Commercial borrower | International | Level 3
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Total loans		16
Commercial borrower | Commercial mortgage loans | Domestic loans | Level 3
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Total loans	86	$ 16
Commercial borrower | Residential mortgage | Domestic loans | Level 3
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis [Line Items]
Total loans	$ 3

Fair Value Measurements (Estima

Fair Value Measurements (Estimated Fair Values Of Financial Instruments Not Recorded At Fair Value In Their Entirety On A Recurring Basis) (Details) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023
Cash and due from banks		$ 850	$ 1,443
Interest-bearing deposits with banks		5,954	8,059
Time deposits		4,534
Total deposits		63,811	66,762
Short-term borrowings		0	3,565
Medium- and long-term debt		6,673	6,206
Carrying Amount
Cash and due from banks		850	1,443
Interest-bearing deposits with banks		5,954	8,059
Other short-term investments		21	24
Total loans		49,849	51,425
Demand deposits		59,277	58,476
Time deposits		4,534	8,286
Total deposits		63,811	66,762
Short-term borrowings			3,565
Medium- and long-term debt		6,673	6,206
Credit-related financial instruments		(64)	(72)
Estimated Fair Value
Cash and due from banks		850	1,443
Interest-bearing deposits with banks		5,954	8,059
Other short-term investments		21	24
Total loans	[1]	49,436	50,633
Demand deposits		59,277	58,476
Time deposits		4,555	8,391
Total deposits		63,832	66,867
Short-term borrowings			3,565
Medium- and long-term debt		6,780	6,207
Credit-related financial instruments		(64)	(72)
Level 1 | Estimated Fair Value
Cash and due from banks		850	1,443
Interest-bearing deposits with banks		5,954	8,059
Other short-term investments		21	24
Total loans		0	0
Demand deposits		0	0
Time deposits		0	0
Total deposits		0	0
Short-term borrowings			3,565
Medium- and long-term debt		0	0
Credit-related financial instruments		0	0
Level 2 | Estimated Fair Value
Cash and due from banks		0	0
Interest-bearing deposits with banks		0	0
Other short-term investments		0	0
Total loans		0	0
Demand deposits		59,277	58,476
Time deposits		4,555	8,391
Total deposits		63,832	66,867
Short-term borrowings			0
Medium- and long-term debt		6,780	6,207
Credit-related financial instruments		0	0
Level 3 | Estimated Fair Value
Cash and due from banks		0	0
Interest-bearing deposits with banks		0	0
Other short-term investments		0	0
Total loans		49,436	50,633
Demand deposits		0	0
Time deposits		0	0
Total deposits		0	0
Short-term borrowings			0
Medium- and long-term debt		0	0
Credit-related financial instruments		(64)	(72)
Nonrecurring | Level 3
Total loans		$ 158	$ 44
[1] Included $158 million and $44 million of loans recorded at fair value on a nonrecurring basis at December 31, 2024 and 2023, respectively.

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest Receivable	$ 38	$ 40
Floating rate securities	3	4
Repositioned U.S. Treasury securities	(827)
Net securities losses	(19)	$ 0	$ 0
Carrying value of securities pledged	7,000
Pledged to the FHLB as collateral for potential future borrowings - investment securities	6,000
Collateral for potential future borrowings	1,000
Liabilities secured by pledged collateral	357
Debt securities
Securities losses	$ (19)

Investment Securities (Summary

Investment Securities (Summary Of Investment Securities) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Amortized Cost	$ 17,918	$ 19,541
Gross Unrealized Gains	1	0
Gross Unrealized Losses	2,874	2,672
Fair Value	15,045	16,869
U.S. Treasury securities
Amortized Cost	1,277	1,681
Gross Unrealized Gains	1	0
Gross Unrealized Losses	1	76
Fair Value	1,277	1,605
Residential mortgage-backed securities
Amortized Cost	11,380	12,607
Gross Unrealized Gains	0	0
Gross Unrealized Losses	2,304	2,088
Fair Value	9,076	10,519
Commercial Mortgage Backed Securities
Amortized Cost	5,261	5,253
Gross Unrealized Gains	0	0
Gross Unrealized Losses	569	508
Fair Value	$ 4,692	$ 4,745

Investment Securities (Summar_2

Investment Securities (Summary Of Investment Securities In Unrealized Loss Positions) (Details)	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) security
Less than 12 Months, Fair Value	$ 452,000,000	$ 10,000,000
Less than 12 Months, Unrealized Losses	0	0
12 Months or more, Fair Value	13,777,000,000	16,857,000,000
12 Months or more, Unrealized Losses	2,874,000,000	2,672,000,000
Total Fair Value	14,229,000,000	16,867,000,000
Total Unrealized Losses	$ 2,874,000,000	$ 2,672,000,000
Debt Securities Count	1,172	1,250
U.S. Treasury securities
Less than 12 Months, Fair Value	$ 438,000,000	$ 0
Less than 12 Months, Unrealized Losses	0	0
12 Months or more, Fair Value	25,000,000	1,605,000,000
12 Months or more, Unrealized Losses	1,000,000	76,000,000
Total Fair Value	463,000,000	1,605,000,000
Total Unrealized Losses	$ 1,000,000	$ 76,000,000
Debt Securities Count	7	19
Residential mortgage-backed securities
Less than 12 Months, Fair Value	$ 0	$ 10,000,000
Less than 12 Months, Unrealized Losses	0	0
12 Months or more, Fair Value	9,074,000,000	10,507,000,000
12 Months or more, Unrealized Losses	2,304,000,000	2,088,000,000
Total Fair Value	9,074,000,000	10,517,000,000
Total Unrealized Losses	$ 2,304,000,000	$ 2,088,000,000
Debt Securities Count	913	978
Commercial Mortgage Backed Securities
Less than 12 Months, Fair Value	$ 14,000,000	$ 0
Less than 12 Months, Unrealized Losses	0	0
12 Months or more, Fair Value	4,678,000,000	4,745,000,000
12 Months or more, Unrealized Losses	569,000,000	508,000,000
Total Fair Value	4,692,000,000	4,745,000,000
Total Unrealized Losses	$ 569,000,000	$ 508,000,000
Debt Securities Count	252	253

Investment Securities (Contract

Investment Securities (Contractual Maturity Distribution Of Debt Securities) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Amortized Cost	$ 17,918	$ 19,541
Fair Value	15,045	$ 16,869
Debt securities
Available-for-sale, Within one year, Amortized Cost	306
Available-for-sale, After one year through five years, Amortized Cost	1,312
Available-for-sale, After five years through ten years, Amortized Cost	5,119
Available-for-sale, After ten years, Amortized Cost	11,181
Amortized Cost	17,918
Available-for-sale, Within one year, Fair Value	306
Available-for-sale, After one year through five years, Fair Value	1,292
Available-for-sale, After five years through ten years, Fair Value	4,564
Available-for-sale, After ten years, Fair Value	8,883
Fair Value	$ 15,045

Credit Quality And Allowance _3

Credit Quality And Allowance For Credit Losses (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Loan interest receivable	$ 266	$ 313
Financing Receivable, Nonaccrual, Interest Income	16	9	$ 12
Real Estate Acquired Through Foreclosure	4
Commitments to lend additional funds to TDR borrowers	0	0
Financing receivable, modified, past due	10,000,000
Subsequent default during period	13
Commercial borrower | Business loans | Domestic loans
Financial Receivable, Troubled Debt Restructuring, Other-than-Insignificant Payment Delays	4	6
Commercial borrower | Business loans | International
Financial Receivable, Troubled Debt Restructuring, Other-than-Insignificant Payment Delays	2
Home equity | Consumer borrower | Retail loans
Financial Receivable, Troubled Debt Restructuring, Other-than-Insignificant Payment Delays	$ 3
Payment delay
Subsequent default during period		0
Interest Rate Reductions
Subsequent default during period		$ 0

Credit Quality And Allowance _4

Credit Quality And Allowance For Credit Losses (Aging Analysis Of Loans) (Details) - USD ($) $ in Millions		Dec. 31, 2024		Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		$ 263		$ 218
Total Nonaccrual Loans		308		178
Current loans		49,968		51,717
Total loans		50,539		52,113
30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		180		161
60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		39		37
90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		44		20
Real estate construction
Financing Receivable, Past Due [Line Items]
Current loans		3,680		5,083
Commercial mortgage
Financing Receivable, Past Due [Line Items]
Current loans		14,493		13,686
Business loans | Commercial borrower
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		223		155
Total Nonaccrual Loans		244		138
Current loans		45,872		47,636
Total loans		46,339		47,929
Business loans | Commercial borrower | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		148		109
Business loans | Commercial borrower | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		31		26
Business loans | Commercial borrower | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		44		20
Business loans | Commercial borrower | Domestic loans
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		79		72
Total Nonaccrual Loans		125		75
Current loans		26,288		27,104
Total loans		26,492		27,251
Business loans | Commercial borrower | Domestic loans | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		50		48
Business loans | Commercial borrower | Domestic loans | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		16		14
Business loans | Commercial borrower | Domestic loans | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		13		10
Business loans | Commercial borrower | International loans
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		1
Total Nonaccrual Loans		0		20
Current loans		952		1,081
Total loans		952		1,102
Business loans | Commercial borrower | International loans | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans | Commercial borrower | International loans | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans | Commercial borrower | International loans | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		1
Business loans | Commercial borrower | Real estate construction | Domestic loans
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		3
Total Nonaccrual Loans		0		2
Current loans		3,680		5,078
Total loans		3,680		5,083
Business loans | Commercial borrower | Real estate construction | Domestic loans | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		3
Business loans | Commercial borrower | Real estate construction | Domestic loans | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans | Commercial borrower | Real estate construction | Domestic loans | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Commercial
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing	[1]	0		0
Total Nonaccrual Loans		0	[1]	0
Current loans		3,358		4,570
Total loans	[1]	3,358		4,570
Business loans | Commercial borrower | Real estate construction | Domestic loans | Commercial | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0	[1]	0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Commercial | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0	[1]	0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Commercial | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0	[1]	0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Other business lines
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing	[2]	0		3
Total Nonaccrual Loans		0		2
Current loans		322		508
Total loans	[2]	322		513
Business loans | Commercial borrower | Real estate construction | Domestic loans | Other business lines | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		3
Business loans | Commercial borrower | Real estate construction | Domestic loans | Other business lines | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Other business lines | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans | Commercial borrower | Commercial mortgage | Domestic loans
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		132		75
Total Nonaccrual Loans		118		41
Current loans		14,243		13,570
Total loans		14,493		13,686
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		86		54
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		15		12
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		31		9
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Commercial
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing	[1]	83		5
Total Nonaccrual Loans	[3]	49		18
Current loans		5,912		4,704
Total loans	[1]	6,044		4,727
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Commercial | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		75		5
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Commercial | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		8		0
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Commercial | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Other business lines
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing	[2]	49		70
Total Nonaccrual Loans	[4]	69		23
Current loans		8,331		8,866
Total loans	[2]	8,449		8,959
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Other business lines | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		11		49
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Other business lines | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		7		12
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Other business lines | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		31		9
Business loans | Commercial borrower | Lease financing | Domestic loans
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		12		4
Total Nonaccrual Loans		1		0
Current loans		709		803
Total loans		722		807
Business loans | Commercial borrower | Lease financing | Domestic loans | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		12		4
Business loans | Commercial borrower | Lease financing | Domestic loans | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Business loans | Commercial borrower | Lease financing | Domestic loans | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		40		63
Total Nonaccrual Loans		64		40
Current loans		4,096		4,081
Total loans		4,200		4,184
Retail loans | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		32		52
Retail loans | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		8		11
Retail loans | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans | Residential mortgage
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		10		16
Total Nonaccrual Loans		37		19
Current loans		1,882		1,854
Total loans		1,929		1,889
Retail loans | Residential mortgage | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		5		10
Retail loans | Residential mortgage | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		5		6
Retail loans | Residential mortgage | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans | Consumer borrower
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		30		47
Total Nonaccrual Loans		27		21
Current loans		2,214		2,227
Total loans		2,271		2,295
Retail loans | Consumer borrower | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		27		42
Retail loans | Consumer borrower | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		3		5
Retail loans | Consumer borrower | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans | Consumer borrower | Home equity
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		14		16
Total Nonaccrual Loans		27		21
Current loans		1,761		1,755
Total loans		1,802		1,792
Retail loans | Consumer borrower | Home equity | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		11		11
Retail loans | Consumer borrower | Home equity | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		3		5
Retail loans | Consumer borrower | Home equity | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans | Consumer borrower | Other consumer
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		16		31
Total Nonaccrual Loans		0		0
Current loans		453		472
Total loans		469		503
Retail loans | Consumer borrower | Other consumer | 30 to 59 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		16		31
Retail loans | Consumer borrower | Other consumer | 60 to 89 days past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		0		0
Retail loans | Consumer borrower | Other consumer | 90 days or more past due and still accruing
Financing Receivable, Past Due [Line Items]
Loans past due and still accruing		$ 0		$ 0
[1] Primarily loans to real estate developers. Primarily loans secured by owner-occupied real estate. Primarily loans secured by owner-occupied real estate. Primarily loans to real estate developers. Foreclosed Properties Foreclosed properties were insignificant at December 31, 2024 and December 31, 2023. Retail loans secured by residential real estate properties in process of foreclosure included in nonaccrual loans were $4 million at December 31, 2024 and insignificant at December 31, 2023. Loan Modifications Made to Borrowers Experiencing Financial Difficulty The following table displays the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty that were restructured, by type of modification. (in millions) Term Extension (a) Payment Delay (a) Interest Rate Reduction Combinations (b) Total Percent of Total Class Year Ended December 31, 2024 Business loans: Commercial $ 199 $ — $ — $ 28 $ 227 0.86 % Commercial mortgage: Other business lines (c) 40 — — — 40 0.47 Total commercial mortgage 40 — — — 40 0.27 International 1 — — 4 5 0.54 Total business loans 240 — — 32 272 0.59 Retail loans: Residential mortgage 5 — — — 5 0.26 Consumer: Home equity — 3 5 2 10 0.58 Total consumer — 3 5 2 10 0.46 Total retail loans 5 3 5 2 15 0.37 Total loans $ 245 $ 3 $ 5 $ 34 $ 287 0.57 % Year Ended December 31, 2023 Business loans: Commercial $ 92 $ 20 $ 10 $ 2 $ 124 0.46 % Real estate construction: Other business lines (c) 10 — — — 10 1.92 Total real estate construction 10 — — — 10 0.19 Commercial mortgage: Other business lines (c) 15 — — 10 25 0.28 Total commercial mortgage 15 — — 10 25 0.18 Total business loans 117 20 10 12 159 0.33 Retail loans: Consumer: Home equity 1 — 1 1 3 0.16 Total consumer 1 — 1 1 3 0.13 Total retail loans 1 — 1 1 3 0.07 Total loans $ 118 $ 20 $ 11 $ 13 $ 162 0.31 % (a) Represents loan balances where terms were extended or payments were delayed by a more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. See Note 1 to the co nsolidated financial statements for further information. (b) Relates to FDMs where more than one type of modification was made. For the year ended December 31, 2024 , this primarily related to modifications where the payment was delayed and the term was extended. For the year ended December 31, 2023 , this primarily related to modifications where the interest was reduced and the term was extended. (c) Primarily loans secured by owner-occupied real estate. There was no commitment to lend additional funds to borrowers experiencing financial difficulty whose terms had been restructured at December 31, 2024 and December 31, 2023. The following table summarizes the financial impacts of loan modifications made to specific loans. Weighted-Average Term Extension Weighted-Average Interest Rate Reduction Year Ended December 31, 2024 Business loans: Commercial 12.7 (1.21) % Commercial mortgage: Other business lines (a) 14.1 — Total commercial mortgage 14.1 — International 46.1 — Total business loans 13.6 (1.21) Retail loans: Residential mortgage 95.1 — Consumer: Home equity 117.0 (3.97) Total consumer 117.0 (3.97) Total retail loans 102.2 (3.97) Total loans 15.9 (2.20) Year Ended December 31, 2023 Business loans: Commercial 10.4 (2.01) % Real estate construction: Other business lines (a) 9.3 — Total real estate construction 9.3 — Commercial mortgage: Other business lines (a) 17.6 (0.68) Total commercial mortgage 17.6 (0.68) Total business loans 11.7 (1.35) Retail loans: Consumer: Home equity 145.4 (3.01) Total consumer 145.4 (3.01) Total retail loans 145.4 (3.01) Total loans 13.1 (1.49) % (a) Primarily loans secured by owner-occupied real estate. During the year ended December 31, 2024 , mo difications to borrowers experiencing financial difficulty included restructurings with other-than-insignificant payment delays of $4 million in the Commercial category, $2 million in the International category and $3 million in the Home Equity category, compared to $6 million in the Commercial category at December 31, 2023 . On an ongoing basis, the Corporation monitors the performance of modified loans related to their restructured terms. Of the loans restructured during the year, $10 million were past due at December 31, 2024 compared to all being current at December 31, 2023. Nonperforming restructured loans are classified as nonaccrual loans and are individually evaluated in the allowance for loan losses. For restructured loans, a subsequent payment default is defined in terms of delinquency, when a principal or interest payment is 90 days past due or classified into nonaccrual status during the reporting period. Of the loans restructured during the 12 month period ended December 31, 2024, there were $13 million of Commercial loans that subsequently defaulted. There were no subsequent defaults as of December 31, 2023 of loans restructured during that 12 month period.

Credit Quality And Allowance _5

Credit Quality And Allowance For Credit Losses (Loans By Credit Quality Indicator) (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		$ 50,539	$ 52,113
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		5,793	6,148
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		5,339	9,632
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		8,236	6,790
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		5,038	3,329
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		2,296	2,200
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		4,510	4,098
Financing Receivable, Excluding Accrued Interest, Revolving		19,222	19,840
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		105	76
Business loans | Commercial borrower
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		46,339	47,929
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		5,577	5,869
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		5,092	9,298
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		7,928	6,394
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		4,680	2,871
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		1,871	2,065
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		4,006	3,662
Financing Receivable, Excluding Accrued Interest, Revolving		17,168	17,755
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		17	15
Business loans | Commercial borrower | Domestic loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		26,492	27,251
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		3,403	3,190
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		2,289	3,182
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		2,035	2,298
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		1,312	635
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		391	669
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		1,251	1,108
Financing Receivable, Excluding Accrued Interest, Revolving		15,794	16,154
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		17	15
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff		1	1
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		1	11
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		9	2
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		29	1
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		9	11
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff		12	12
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff		10	3
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff		1	1
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff		72	42
Business loans | Commercial borrower | Domestic loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	25,163	25,833
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[1]	3,313	3,105
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	2,129	3,013
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[1]	1,856	2,072
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[1]	1,127	593
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[1]	358	610
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[1]	1,192	1,033
Financing Receivable, Excluding Accrued Interest, Revolving	[1]	15,173	15,394
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[1]	15	13
Business loans | Commercial borrower | Domestic loans | Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	1,329	1,418
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[2]	90	85
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	160	169
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[2]	179	226
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[2]	185	42
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[2]	33	59
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[2]	59	75
Financing Receivable, Excluding Accrued Interest, Revolving	[2]	621	760
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[2]	2	2
Business loans | Commercial borrower | International loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		952	1,102
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		244	301
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		112	170
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		142	96
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		60	35
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		19	76
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		27	8
Financing Receivable, Excluding Accrued Interest, Revolving		348	416
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		0	0
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff		1	12
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff		0	1
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff		1	13
Business loans | Commercial borrower | International loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	944	1,071
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[1]	237	286
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	112	168
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[1]	142	89
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[1]	60	35
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[1]	19	76
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[1]	27	2
Financing Receivable, Excluding Accrued Interest, Revolving	[1]	347	415
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[1]	0	0
Business loans | Commercial borrower | International loans | Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	8	31
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[2]	7	15
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	0	2
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[2]	0	7
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[2]	0	6
Financing Receivable, Excluding Accrued Interest, Revolving	[2]	1	1
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[2]	0	0
Business loans | Commercial borrower | Real estate construction | Domestic loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		3,680	5,083
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		137	505
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		703	2,258
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		2,023	1,615
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		550	331
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		19	50
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		25	36
Financing Receivable, Excluding Accrued Interest, Revolving		223	288
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		0	0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	3,642	4,985
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[1]	137	503
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	703	2,205
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[1]	1,987	1,581
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[1]	550	329
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[1]	19	43
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[1]	23	36
Financing Receivable, Excluding Accrued Interest, Revolving	[1]	223	288
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[1]	0	0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	38	98
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[2]	0	2
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	0	53
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[2]	36	34
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[2]	0	2
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[2]	0	7
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[2]	2	0
Financing Receivable, Excluding Accrued Interest, Revolving	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[2]	0	0
Business loans | Commercial borrower | Real estate construction | Domestic loans | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[3]	3,358	4,570
Business loans | Commercial borrower | Real estate construction | Domestic loans | Other business lines
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[4]	322	513
Business loans | Commercial borrower | Commercial mortgage | Domestic loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		14,493	13,686
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		1,528	1,695
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		1,761	3,361
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		3,689	2,272
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		2,678	1,820
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		1,412	1,229
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		2,622	2,412
Financing Receivable, Excluding Accrued Interest, Revolving		803	897
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		0	0
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		11	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		0	3
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff		5	1
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff		16	4
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	13,420	12,913
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[1]	1,423	1,680
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	1,574	3,129
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[1]	3,339	2,173
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[1]	2,576	1,786
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[1]	1,301	981
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[1]	2,414	2,271
Financing Receivable, Excluding Accrued Interest, Revolving	[1]	793	893
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[1]	0	0
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	1,073	773
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[2]	105	15
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	187	232
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[2]	350	99
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[2]	102	34
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[2]	111	248
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[2]	208	141
Financing Receivable, Excluding Accrued Interest, Revolving	[2]	10	4
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[2]	0	0
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[3]	6,044	4,727
Business loans | Commercial borrower | Commercial mortgage | Domestic loans | Other business lines
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[4]	8,449	8,959
Business loans | Commercial borrower | Lease financing | Domestic loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		722	807
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		265	178
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		227	327
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		39	113
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		80	50
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		30	41
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		81	98
Financing Receivable, Excluding Accrued Interest, Revolving		0	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		0	0
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff		1
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		3
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff		0
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff		0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff		0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff		4
Business loans | Commercial borrower | Lease financing | Domestic loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	716	777
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[1]	262	173
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	226	319
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[1]	38	110
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[1]	80	47
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[1]	30	34
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[1]	80	94
Financing Receivable, Excluding Accrued Interest, Revolving	[1]	0	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[1]	0	0
Business loans | Commercial borrower | Lease financing | Domestic loans | Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	6	30
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[2]	3	5
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	1	8
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[2]	1	3
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[2]	0	3
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[2]	0	7
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[2]	1	4
Financing Receivable, Excluding Accrued Interest, Revolving	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[2]	0	0
Retail loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		4,200	4,184
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		216	279
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		247	334
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		308	396
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		358	458
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		425	135
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		504	436
Financing Receivable, Excluding Accrued Interest, Revolving		2,054	2,085
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		88	61
Retail loans | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		1,929	1,889
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		186	256
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		237	296
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		278	374
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		351	450
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		419	131
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		458	382
Financing Receivable, Excluding Accrued Interest, Revolving		0	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		0	0
Retail loans | Residential mortgage | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	1,889	1,864
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[1]	181	254
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	236	296
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[1]	274	373
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[1]	349	450
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[1]	415	131
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[1]	434	360
Financing Receivable, Excluding Accrued Interest, Revolving	[1]	0	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[1]	0	0
Retail loans | Residential mortgage | Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	40	25
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[2]	5	2
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	1	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[2]	4	1
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[2]	2	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[2]	4	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[2]	24	22
Financing Receivable, Excluding Accrued Interest, Revolving	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[2]	0	0
Retail loans | Consumer borrower
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		2,271	2,295
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		30	23
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		10	38
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		30	22
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		7	8
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		6	4
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		46	54
Financing Receivable, Excluding Accrued Interest, Revolving		2,054	2,085
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		88	61
Retail loans | Consumer borrower | Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		1,802	1,792
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		5	8
Financing Receivable, Excluding Accrued Interest, Revolving		1,709	1,723
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		88	61
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff			0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff			0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff			0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff			0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff			0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff			0
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff			2
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff			0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff			2
Retail loans | Consumer borrower | Home equity | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	1,768	1,762
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[1]	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[1]	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[1]	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[1]	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[1]	5	8
Financing Receivable, Excluding Accrued Interest, Revolving	[1]	1,681	1,695
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[1]	82	59
Retail loans | Consumer borrower | Home equity | Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	34	30
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[2]	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	[2]	28	28
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[2]	6	2
Retail loans | Consumer borrower | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans		469	503
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year		30	23
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year		10	38
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year		30	22
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year		7	8
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year		6	4
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year		41	46
Financing Receivable, Excluding Accrued Interest, Revolving		345	362
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan		0	0
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff		1	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff		0	1
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff		1	0
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff		0	0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff		2	1
Retail loans | Consumer borrower | Other consumer | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[1]	467	503
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[1]	30	23
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[1]	10	38
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[1]	28	22
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[1]	7	8
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[1]	6	4
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[1]	41	46
Financing Receivable, Excluding Accrued Interest, Revolving	[1]	345	362
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[1]	0	$ 0
Retail loans | Consumer borrower | Other consumer | Criticized
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	[2]	2
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	[2]	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	[2]	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	[2]	2
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	[2]	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	[2]	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	[2]	0
Financing Receivable, Excluding Accrued Interest, Revolving	[2]	0
Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan	[2]	$ 0
[1] Includes all loans not included in the categories of special mention, substandard or nonaccrual. Primarily loans to real estate developers. Primarily loans secured by owner-occupied real estate.

Credit Quality And Allowance _6

Credit Quality And Allowance For Credit Losses (Changes In The Allowance For Loan Losses And Related Loan Amounts) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	$ 690	$ 688
Financing receivable, allowance for credit loss, excluding accrued interest and off-balance-sheet	728	661	$ 618
Provision for loan losses	49	89	60
Financing receivable, allowance for credit loss, excluding accrued interest, end of period	$ 725	$ 728	$ 661
As a percentage of total loans	1.44%	1.40%	1.24%
Financing Receivable [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	$ 690	$ 688	$ 610	$ 588
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	95	62	68
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery	43	40	51
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	52	22	17
Provision for loan losses	$ 54	$ 100	$ 39
As a percentage of total loans	1.37%	1.32%	1.14%
Unused Commitments to Extend Credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	$ 35	$ 40	$ 51	30
Provision for loan losses	(5)	(11)	21
Business loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	653	651	581	555
Provision for loan losses	$ 54	$ 91	$ 44
As a percentage of total loans	1.41%	1.36%	1.18%
Business loans | Financing Receivable [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	$ 625	$ 620	$ 541	531
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	93	59	65
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery	41	38	47
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	52	21	18
Provision for loan losses	$ 57	$ 100	$ 28
As a percentage of total loans	1.35%	1.29%	1.10%
Business loans | Unused Commitments to Extend Credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	$ 28	$ 31	$ 40	24
Provision for loan losses	(3)	(9)	16
Retail loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	72	77	80	63
Provision for loan losses	$ (5)	$ (2)	$ 16
As a percentage of total loans	1.73%	1.85%	1.96%
Retail loans | Financing Receivable [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	$ 65	$ 68	$ 69	57
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	2	3	3
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery	2	2	4
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	0	1	1
Provision for loan losses	$ (3)	$ 0	$ 11
As a percentage of total loans	1.55%	1.63%	1.67%
Retail loans | Unused Commitments to Extend Credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	$ 7	$ 9	$ 11	$ 6
Provision for loan losses	$ (2)	$ (2)	$ 5

Credit Quality And Allowance _7

Credit Quality And Allowance For Credit Losses (Nonaccrual Loans) (Details) - USD ($) $ in Millions		Dec. 31, 2024		Dec. 31, 2023
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		$ 80		$ 109
Nonaccrual Loans with Related Allowance		228		69
Total Nonaccrual Loans		308		178
Business loans | Commercial borrower
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		16		69
Nonaccrual Loans with Related Allowance		228		69
Total Nonaccrual Loans		244		138
Business loans | Commercial borrower | Domestic loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		9		47
Nonaccrual Loans with Related Allowance		116		28
Total Nonaccrual Loans		125		75
Business loans | Commercial borrower | International
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance				3
Nonaccrual Loans with Related Allowance				17
Total Nonaccrual Loans				20
Retail loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		64		40
Nonaccrual Loans with Related Allowance		0		0
Total Nonaccrual Loans		64		40
Retail loans | Consumer borrower
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		27		21
Nonaccrual Loans with Related Allowance		0		0
Total Nonaccrual Loans		27		21
Real estate construction | Business loans | Commercial borrower | Domestic loans
Financing Receivable, Impaired [Line Items]
Total Nonaccrual Loans		0		2
Real estate construction | Commercial | Business loans | Commercial borrower | Domestic loans
Financing Receivable, Impaired [Line Items]
Total Nonaccrual Loans		0	[1]	0
Real estate construction | Other business lines | Business loans | Commercial borrower | Domestic loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance				2
Nonaccrual Loans with Related Allowance				0
Total Nonaccrual Loans		0		2
Commercial mortgage | Business loans | Commercial borrower | Domestic loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		7		17
Nonaccrual Loans with Related Allowance		111		24
Total Nonaccrual Loans		118		41
Commercial mortgage | Commercial | Business loans | Commercial borrower | Domestic loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		0		0
Nonaccrual Loans with Related Allowance		49		18
Total Nonaccrual Loans	[2]	49		18
Commercial mortgage | Other business lines | Business loans | Commercial borrower | Domestic loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		7		17
Nonaccrual Loans with Related Allowance		62		6
Total Nonaccrual Loans	[3]	69		23
Residential mortgage | Retail loans
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		37		19
Nonaccrual Loans with Related Allowance		0		0
Total Nonaccrual Loans		37		19
Home equity | Retail loans | Consumer borrower
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		27		21
Nonaccrual Loans with Related Allowance		0		0
Total Nonaccrual Loans		27		$ 21
Lease financing | Commercial borrower | Domestic loans | Business Loans Member
Financing Receivable, Impaired [Line Items]
Nonaccrual Loans with No Related Allowance		0
Nonaccrual Loans with Related Allowance		1
Total Nonaccrual Loans		$ 1
[1] Primarily loans to real estate developers. Primarily loans secured by owner-occupied real estate. Primarily loans to real estate developers. Foreclosed Properties Foreclosed properties were insignificant at December 31, 2024 and December 31, 2023. Retail loans secured by residential real estate properties in process of foreclosure included in nonaccrual loans were $4 million at December 31, 2024 and insignificant at December 31, 2023. Loan Modifications Made to Borrowers Experiencing Financial Difficulty The following table displays the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty that were restructured, by type of modification. (in millions) Term Extension (a) Payment Delay (a) Interest Rate Reduction Combinations (b) Total Percent of Total Class Year Ended December 31, 2024 Business loans: Commercial $ 199 $ — $ — $ 28 $ 227 0.86 % Commercial mortgage: Other business lines (c) 40 — — — 40 0.47 Total commercial mortgage 40 — — — 40 0.27 International 1 — — 4 5 0.54 Total business loans 240 — — 32 272 0.59 Retail loans: Residential mortgage 5 — — — 5 0.26 Consumer: Home equity — 3 5 2 10 0.58 Total consumer — 3 5 2 10 0.46 Total retail loans 5 3 5 2 15 0.37 Total loans $ 245 $ 3 $ 5 $ 34 $ 287 0.57 % Year Ended December 31, 2023 Business loans: Commercial $ 92 $ 20 $ 10 $ 2 $ 124 0.46 % Real estate construction: Other business lines (c) 10 — — — 10 1.92 Total real estate construction 10 — — — 10 0.19 Commercial mortgage: Other business lines (c) 15 — — 10 25 0.28 Total commercial mortgage 15 — — 10 25 0.18 Total business loans 117 20 10 12 159 0.33 Retail loans: Consumer: Home equity 1 — 1 1 3 0.16 Total consumer 1 — 1 1 3 0.13 Total retail loans 1 — 1 1 3 0.07 Total loans $ 118 $ 20 $ 11 $ 13 $ 162 0.31 % (a) Represents loan balances where terms were extended or payments were delayed by a more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. See Note 1 to the co nsolidated financial statements for further information. (b) Relates to FDMs where more than one type of modification was made. For the year ended December 31, 2024 , this primarily related to modifications where the payment was delayed and the term was extended. For the year ended December 31, 2023 , this primarily related to modifications where the interest was reduced and the term was extended. (c) Primarily loans secured by owner-occupied real estate. There was no commitment to lend additional funds to borrowers experiencing financial difficulty whose terms had been restructured at December 31, 2024 and December 31, 2023. The following table summarizes the financial impacts of loan modifications made to specific loans. Weighted-Average Term Extension Weighted-Average Interest Rate Reduction Year Ended December 31, 2024 Business loans: Commercial 12.7 (1.21) % Commercial mortgage: Other business lines (a) 14.1 — Total commercial mortgage 14.1 — International 46.1 — Total business loans 13.6 (1.21) Retail loans: Residential mortgage 95.1 — Consumer: Home equity 117.0 (3.97) Total consumer 117.0 (3.97) Total retail loans 102.2 (3.97) Total loans 15.9 (2.20) Year Ended December 31, 2023 Business loans: Commercial 10.4 (2.01) % Real estate construction: Other business lines (a) 9.3 — Total real estate construction 9.3 — Commercial mortgage: Other business lines (a) 17.6 (0.68) Total commercial mortgage 17.6 (0.68) Total business loans 11.7 (1.35) Retail loans: Consumer: Home equity 145.4 (3.01) Total consumer 145.4 (3.01) Total retail loans 145.4 (3.01) Total loans 13.1 (1.49) % (a) Primarily loans secured by owner-occupied real estate. During the year ended December 31, 2024 , mo difications to borrowers experiencing financial difficulty included restructurings with other-than-insignificant payment delays of $4 million in the Commercial category, $2 million in the International category and $3 million in the Home Equity category, compared to $6 million in the Commercial category at December 31, 2023 . On an ongoing basis, the Corporation monitors the performance of modified loans related to their restructured terms. Of the loans restructured during the year, $10 million were past due at December 31, 2024 compared to all being current at December 31, 2023. Nonperforming restructured loans are classified as nonaccrual loans and are individually evaluated in the allowance for loan losses. For restructured loans, a subsequent payment default is defined in terms of delinquency, when a principal or interest payment is 90 days past due or classified into nonaccrual status during the reporting period. Of the loans restructured during the 12 month period ended December 31, 2024, there were $13 million of Commercial loans that subsequently defaulted. There were no subsequent defaults as of December 31, 2023 of loans restructured during that 12 month period.

Credit Quality And Allowance _8

Credit Quality And Allowance For Credit Losses (Loan Modifications Made to Borrowers Experiencing Financial Difficulty) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 287	$ 162
Percent of Total	0.57%	0.31%
Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 245	$ 118
Payment delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	3	20
Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	5	11
Combinations
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	34	13
Business loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 272	$ 159
Percent of Total	0.59%	0.33%
Business loans | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 240	$ 117
Business loans | Payment delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	20
Business loans | Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	10
Business loans | Combinations
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	32	12
Business loans | International | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1
Business loans | International | Payment delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans | International | Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Business loans | International | Combinations
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	4
Business loans | Commercial borrower
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		$ 10
Percent of Total		0.19%
Business loans | Commercial borrower | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		$ 10
Business loans | Commercial borrower | Payment delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		0
Business loans | Commercial borrower | Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		0
Business loans | Commercial borrower | Combinations
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		0
Business loans | Commercial borrower | Domestic loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 227	$ 124
Percent of Total	0.86%	0.46%
Business loans | Commercial borrower | Domestic loans | Commercial mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 40	$ 25
Percent of Total	0.27%	0.18%
Business loans | Commercial borrower | Domestic loans | Commercial mortgage | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 40	$ 25
Percent of Total	0.47%	0.28%
Business loans | Commercial borrower | Domestic loans | Real estate construction | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		$ 10
Percent of Total		1.92%
Business loans | Commercial borrower | Domestic loans | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 199	$ 92
Business loans | Commercial borrower | Domestic loans | Term Extension | Commercial mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	40	15
Business loans | Commercial borrower | Domestic loans | Term Extension | Commercial mortgage | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	40	15
Business loans | Commercial borrower | Domestic loans | Term Extension | Real estate construction | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		10
Business loans | Commercial borrower | Domestic loans | Payment delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	20
Business loans | Commercial borrower | Domestic loans | Payment delay | Commercial mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	0
Business loans | Commercial borrower | Domestic loans | Payment delay | Commercial mortgage | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	0
Business loans | Commercial borrower | Domestic loans | Payment delay | Real estate construction | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		0
Business loans | Commercial borrower | Domestic loans | Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	10
Business loans | Commercial borrower | Domestic loans | Interest Rate Reductions | Commercial mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	0
Business loans | Commercial borrower | Domestic loans | Interest Rate Reductions | Commercial mortgage | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	0
Business loans | Commercial borrower | Domestic loans | Interest Rate Reductions | Real estate construction | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		0
Business loans | Commercial borrower | Domestic loans | Combinations
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	28	2
Business loans | Commercial borrower | Domestic loans | Combinations | Commercial mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	10
Business loans | Commercial borrower | Domestic loans | Combinations | Commercial mortgage | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	10
Business loans | Commercial borrower | Domestic loans | Combinations | Real estate construction | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		0
Business loans | Commercial borrower | International
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 5
Percent of Total	0.54%
Retail loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 15	$ 3
Percent of Total	0.37%	0.07%
Retail loans | Residential mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 5
Percent of Total	0.26%
Retail loans | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 5	$ 1
Retail loans | Term Extension | Residential mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	5
Retail loans | Payment delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	3	0
Retail loans | Payment delay | Residential mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Retail loans | Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	5	1
Retail loans | Interest Rate Reductions | Residential mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Retail loans | Combinations
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	2	1
Retail loans | Combinations | Residential mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Retail loans | Consumer borrower
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 10	$ 3
Percent of Total	0.46%	0.13%
Retail loans | Consumer borrower | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 0	$ 1
Retail loans | Consumer borrower | Payment delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	3	0
Retail loans | Consumer borrower | Interest Rate Reductions
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	5	1
Retail loans | Consumer borrower | Combinations
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	2	1
Retail loans | Consumer borrower | Domestic loans | Home equity | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 10	$ 3
Percent of Total	0.58%	0.16%
Retail loans | Consumer borrower | Domestic loans | Term Extension | Home equity | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 0	$ 1
Retail loans | Consumer borrower | Domestic loans | Payment delay | Home equity | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	3	0
Retail loans | Consumer borrower | Domestic loans | Interest Rate Reductions | Home equity | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	5	1
Retail loans | Consumer borrower | Domestic loans | Combinations | Home equity | Other business lines
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 2	$ 1

Credit Quality And Allowance _9

Credit Quality And Allowance For Credit Losses (Financial Effect of Loan Modifications) (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction	(2.20%)	1.49%
Financing Receivable, Modified, Weighted Average Term Increase from Modification	15 years 10 months 24 days	13 years 1 month 6 days
Business loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction	(1.21%)	1.35%
Financing Receivable, Modified, Weighted Average Term Increase from Modification	13 years 7 months 6 days	7 months 13 days
Retail loans | Residential mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction	0%
Financing Receivable, Modified, Weighted Average Term Increase from Modification	95 years 1 month 6 days
Commercial borrower | Business loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction	(1.21%)	(2.01%)
Financing Receivable, Modified, Weighted Average Term Increase from Modification	12 years 8 months 12 days	10 years 4 months 24 days
Commercial borrower | Business loans | International
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction	0%
Financing Receivable, Modified, Weighted Average Term Increase from Modification	46 years 1 month 6 days
Commercial borrower | Business loans | Commercial mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction	0%	0.68%
Financing Receivable, Modified, Weighted Average Term Increase from Modification	14 years 1 month 6 days	17 years 7 months 6 days
Commercial borrower | Business loans | Construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction		0%
Financing Receivable, Modified, Weighted Average Term Increase from Modification		9 years 3 months 18 days
Commercial borrower | Business loans | Other business lines | Commercial mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction	0%	0.68%
Financing Receivable, Modified, Weighted Average Term Increase from Modification	14 years 1 month 6 days	17 years 7 months 6 days
Commercial borrower | Business loans | Other business lines | Construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction		0%
Financing Receivable, Modified, Weighted Average Term Increase from Modification		9 years 3 months 18 days
Consumer borrower | Retail loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction	3.97%	3.01%
Financing Receivable, Modified, Weighted Average Term Increase from Modification	102 years 2 months 12 days	145 years 4 months 24 days
Consumer borrower | Retail loans | Home equity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction	(3.97%)	(3.01%)
Financing Receivable, Modified, Weighted Average Term Increase from Modification	117 years	145 years 4 months 24 days
Consumer borrower | Retail loans | Consumer Loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Interest Rate Reduction	3.97%	3.01%
Financing Receivable, Modified, Weighted Average Term Increase from Modification	117 years	145 years 4 months 24 days

Significant Group Concentrati_3

Significant Group Concentrations of Credit Risk Significant Group Concentrations of Credit Risk (Commercial Real Estate Exposure) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Concentration Risk Threshold - Commercial Real Estate	36%
Current loans	$ 49,968	$ 51,717
Real estate construction loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans	3,680	5,083
Commercial mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans	14,493	13,686
Total commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans	18,173	18,769
Total unused commitments	3,130	4,382
Commercial Real Estate business line | Real estate construction loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans	3,358	4,570
Commercial Real Estate business line | Commercial mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans	6,044	4,727
Other Business Lines Member | Real estate construction loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans	322	513
Other Business Lines Member | Commercial mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans	$ 8,449	$ 8,959

Significant Group Concentrati_4

Significant Group Concentrations of Credit Risk Significant Group Concentrations of Credit Risk (Schedule of Automotive Industry Outstanding Loans and Total Exposure) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Concentration Risk [Line Items]
Total automotive loans	$ 6,277	$ 7,039
Total automotive exposure	$ 10,336	12,162
Concentration Risk Threshold - Auto	12%
Automotive Production
Concentration Risk [Line Items]
Total automotive loans	$ 764	848
Total automotive exposure	1,661	1,744
Automotive Dealer
Concentration Risk [Line Items]
Total automotive loans	5,513	6,191
Total automotive exposure	$ 8,675	$ 10,418

Premises and Equipment (Narrati

Premises and Equipment (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Premises and Equipment [Abstract]
Capitalized Computer Software, Amortization	$ 28	$ 26	$ 25
Capitalized Computer Software, Unamoritize	$ 137	$ 106

Premises and Equipment Summary

Premises and Equipment Summary of Premises and Equipment (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Line Items]
Land	$ 78	$ 81
Buildings and improvements	804	768
Furniture and equipment	476	536
Total cost	1,358	1,385
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment	(885)	(940)
Premises and equipment	$ 473	$ 445

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets Goodwill and Intangible Assets (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Core deposit intangible
Amortization expense of core deposit intangible	$ 0	$ 0

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets Goodwill and Intangible Assets (Summary of Changes in Carrying Value of Goodwill) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Goodwill [Line Items]
Balance	$ 635	$ 635
Commercial Bank
Goodwill [Line Items]
Balance	473	473
Retail Bank
Goodwill [Line Items]
Balance	101	101
Wealth Management
Goodwill [Line Items]
Balance	$ 61	$ 61

Derivative And Credit-Related_3

Derivative And Credit-Related Financial Instruments (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Cash received as collateral for derivative assets			$ 85
Fair value of securities pledged as collateral for derivative assets			(2)
Other Comprehensive Income (Loss), before Reclassifications, before Tax				$ (602)	$ (25)
De-designated Interest swaps			7,000
Total Impact to risk management hedging income			(130)
Impact to risk management hedging income	$ (39)	$ (91)
Amortized - probable cashflows in OCI			(177)
Amoritized Off Market Element			170
Price alignment income		51	46	51	$ 8
Allowance for credit losses on lending-related commitments		40	35	40
Allowance for credit losses on lending-related commitments, amount related to standby and commercial letters of credit		38	$ 30	38
Final year of expiration for outstanding letters of credit			2035
Risk participation agreements covering standby and commercial letters of credit		85	$ 223	85
Standby and commercial letters of credit outstanding		3,600	4,200	3,600
Carrying value of standby and commercial letters of credit included in accrued expenses and other liabilities		34	34	34
Deferred fees on standby and commercial letters of credit included in accrued expenses and other liabilities		32	29	32
Allowance for credit losses on lending-related commitments, unused commitments to extend credit		2	5	2
Notional Amount of Derivative Credit Risk Participation Agreements		1,000	1,100	1,000
Maximum estimated exposure to credit risk participation agreements assuming 100% default		$ 2	$ 1	$ 2
Weighted average remaining maturity of credit risk participation agreements, in years			4 years 7 months 6 days
Aggregate fair value of all derivative instruments with credit-risk contingent features that were in a liability position			$ 0
Fair value of securities pledged as collateral for derivative liabilities			$ 143

Derivative And Credit-Related_4

Derivative And Credit-Related Financial Instruments (Schedule Of Derivative Instruments) (Details) - USD ($) $ in Millions		Dec. 31, 2024	Dec. 31, 2023
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	[1]	$ 69,729	$ 70,737
Fair Value of Gross Derivative Assets		666	1,019
Fair Value of Gross Derivative Liabilities		794	1,206
Derivative assets, Netting adjustment - Offsetting derivative liabilities		(330)	(311)
Derivative liabilities, Netting adjustment - Offsetting derivative assets		(330)	(311)
Derivative assets, Netting adjustment - Cash collateral received		(80)	(143)
Derivative liabilities, Netting adjustment - Cash collateral posted		0	(13)
Derivative Asset, Subject to Master Netting Arrangement, after Offset	[2]	256	565
Derivative Liability, Subject to Master Netting Arrangement, after Offset	[2]	464	882
Derivative assets, securities pledged as collateral		(143)	(501)
Derivative liabilities, securities pledged as collateral		(2)	(4)
Net derivative assets after deducting amounts not offset in the consolidated balance sheets		113	64
Net derivative liabilities after deducting amounts not offset in the consolidated balance sheets		462	878
Credit valuation adjustments for counterparty credit risk		1	3
Risk management purposes
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	[1]	30,603	31,710
Fair Value of Gross Derivative Assets		3	1
Fair Value of Gross Derivative Liabilities		3	11
Risk management purposes | Derivatives designated as hedging instruments | Fair Value Hedging | Interest rate swap
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		6,800	6,300
Fair Value of Gross Derivative Assets		0	0
Fair Value of Gross Derivative Liabilities		0	0
Risk management purposes | Derivatives designated as hedging instruments | Swaps - cash flow - receive fixed/pay floating rate | Interest rate swap
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		23,350	24,850
Fair Value of Gross Derivative Assets		0	0
Fair Value of Gross Derivative Liabilities		3	8
Risk management purposes | Derivatives used as economic hedges | Spot, forwards and swaps
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		453	560
Fair Value of Gross Derivative Assets		3	1
Fair Value of Gross Derivative Liabilities		0	3
Customer-initiated and other activities
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	[1]	39,126	39,027
Fair Value of Gross Derivative Assets		663	1,018
Fair Value of Gross Derivative Liabilities		791	1,195
Customer-initiated and other activities | Interest rate contracts
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	[1]	22,751	22,470
Fair Value of Gross Derivative Assets		177	225
Fair Value of Gross Derivative Liabilities		332	427
Customer-initiated and other activities | Interest rate caps and floors written
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		1,781	1,577
Fair Value of Gross Derivative Assets		0	0
Fair Value of Gross Derivative Liabilities		12	18
Customer-initiated and other activities | Interest rate caps and floors purchased
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		1,781	1,577
Fair Value of Gross Derivative Assets		12	18
Fair Value of Gross Derivative Liabilities		0	0
Customer-initiated and other activities | Interest rate swap
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		19,189	19,316
Fair Value of Gross Derivative Assets		165	207
Fair Value of Gross Derivative Liabilities		320	409
Customer-initiated and other activities | Energy contracts
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	[1]	13,258	13,806
Fair Value of Gross Derivative Assets		416	758
Fair Value of Gross Derivative Liabilities		400	736
Customer-initiated and other activities | Energy caps and floors written
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		3,460	3,719
Fair Value of Gross Derivative Assets		0	3
Fair Value of Gross Derivative Liabilities		201	291
Customer-initiated and other activities | Energy caps and floors purchased
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		3,460	3,719
Fair Value of Gross Derivative Assets		202	292
Fair Value of Gross Derivative Liabilities		0	3
Customer-initiated and other activities | Energy swaps
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		6,338	6,368
Fair Value of Gross Derivative Assets		214	463
Fair Value of Gross Derivative Liabilities		199	442
Customer-initiated and other activities | Foreign exchange spot, options and swaps
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount		3,117	2,751
Fair Value of Gross Derivative Assets		70	35
Fair Value of Gross Derivative Liabilities		$ 59	$ 32
[1] Notional or contractual amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected on the Consolidated Balance Sheets. (b) December 31, 2023 included $2 billion of forward starting swaps that became effective on their contractual start dates in 2024. There were no forward starting swaps at December 31, 2024. Net derivative assets are included in accrued income and other assets and net derivative liabilities are included in accrued expenses and other liabilities on the Consolidated Balance Sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and credit risk of the Corporation. The fair value of net derivative assets included credit valuation adjustments for counterparty credit risk of $1 million and $3 million at December 31, 2024 and 2023, respectively.

Derivative And Credit-Related_5

Derivative And Credit-Related Financial Instruments Derivative And Credit-Related Financial Instruments (Schedule of Effects of Fair Value Hedging on the Consolidated Statements of Comprehensive Income) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement [Line Items]
Interest on medium- and long-term debt	$ 463	$ 378	$ 87
Swaps - fair value - receive fixed/pay floating | Risk management purposes | Interest Rate Swap [Member]
Statement [Line Items]
Interest rate contract: Hedged items interest expense	335	265	112
Interest rate contracts: Derivatives designated as hedging instruments net interest income	$ 128	$ 113	$ (25)

Derivative And Credit-Related_6

Derivative And Credit-Related Financial Instruments (Schedule Of Weighted Average Maturity And Interest Rates On Risk Management Cash Flow Swaps) (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023
Derivative, Notional Amount	[1]	$ 69,729	$ 70,737
Risk management purposes
Derivative, Notional Amount	[1]	$ 30,603	$ 31,710
Variable rate loans | Swaps - cash flow - receive fixed/pay floating rate | Risk Management Derivatives Member | Cash flow swap
Weighted Average Receive Rate		2.55%	2.43%
Weighted Average Pay Rate	[2]	4.55%	5.38%
Medium- and long-term debt | Swaps - cash flow - receive fixed/pay floating rate | Risk management purposes | Interest rate swap
Weighted Average Remaining Maturity		3 years 1 month 6 days	3 years 10 months 24 days
Medium- and long-term debt | Swaps - fair value - receive fixed/pay floating | Risk management purposes | Interest rate swap
Weighted Average Remaining Maturity		2 years 7 months 6 days	3 years 1 month 6 days
Medium- and long-term debt | Swaps - fair value - receive fixed/pay floating | Risk Management Derivatives Member | Interest rate swap
Weighted Average Receive Rate		3.77%	3.67%
Weighted Average Pay Rate		4.80%	5.74%
[1] Notional or contractual amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected on the Consolidated Balance Sheets. (b) December 31, 2023 included $2 billion of forward starting swaps that became effective on their contractual start dates in 2024. There were no forward starting swaps at December 31, 2024.

Derivative And Credit-Related_7

Derivative And Credit-Related Financial Instruments (Schedule Of Weighted Average Maturity And Interest Rates On Risk Management Fair Value Swaps) (Details) - Medium- and long-term debt - Interest Rate Swap [Member] - Fair Value Hedging - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023
Risk Management Derivatives Member
Schedule of Weighted Average Maturity And Interest Rates On Risk Management Interest Rate Swaps [Line Items]
Carrying Value of Hedged Item	[1]	$ 6,673	$ 6,206
Weighted Average Receive Rate		3.77%	3.67%
Weighted Average Pay Rate		4.80%	5.74%
Risk management purposes
Schedule of Weighted Average Maturity And Interest Rates On Risk Management Interest Rate Swaps [Line Items]
Weighted Average Remaining Maturity		2 years 7 months 6 days	3 years 1 month 6 days
[1] Included $(122) million and $(93) million of cumulative hedging adjustments at December 31, 2024 and 2023, respectively, which included $2 million and $3 million, respectively, of hedging adjustment on a discontinued hedging relationship.

Derivative And Credit-Related_8

Derivative And Credit-Related Financial Instruments (Schedule Of Net Gains Recognized In Income On Customer-Initiated Derivatives) (Details) - Customer-initiated and other activities - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Net gains recognized in income on customer-initiated derivative instruments	$ 87	$ 98	$ 109
Interest rate contracts
Derivative Instruments, Gain (Loss) [Line Items]
Net derivative gain recognized in income	21	22	34
Foreign exchange contracts
Derivative Instruments, Gain (Loss) [Line Items]
Net derivative gain recognized in income	47	51	47
Energy Contracts
Derivative Instruments, Gain (Loss) [Line Items]
Net derivative gain recognized in income	$ 19	$ 25	$ 28

Derivative And Credit-Related_9

Derivative And Credit-Related Financial Instruments (Schedule Of Financial Instruments With Off-Balance Sheet Credit Risk) (Details) - Maximum - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Unused Commitments to Extend Credit
Loss contingency, estimate of possible loss, maximum	$ 28,397	$ 31,385
Commercial And Other | Unused Commitments to Extend Credit
Loss contingency, estimate of possible loss, maximum	24,342	27,303
Bankcard, Revolving Check Credit And Home Equity Loan Commitments | Unused Commitments to Extend Credit
Loss contingency, estimate of possible loss, maximum	4,055	4,082
Standby Letters Of Credit
Loss contingency, estimate of possible loss, maximum	4,138	3,586
Commercial Letters Of Credit
Loss contingency, estimate of possible loss, maximum	$ 12	$ 48

Derivative And Credit-Relate_10

Derivative And Credit-Related Financial Instruments (Summary Of Criticized Letters Of Credit) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Total criticized standby and commercial letters of credit	$ 37	$ 50
As a percentage of total outstanding standby and commercial letters of credit	0.90%	1.40%

Variable Interest Entities (V_3

Variable Interest Entities (VIEs) (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Variable Interest Entity [Line Items]
Unfunded commitments to fund tax credit entities	$ 238
Amount of financial or other support not contractually required provided by the Corporation to VIEs	0	$ 0
Low Income Housing Tax Credit Entities
Variable Interest Entity [Line Items]
Exposure to loss as a result of involvement with VIEs	566
Other Tax Credit Entities
Variable Interest Entity [Line Items]
Exposure to loss as a result of involvement with VIEs	$ 0

Variable Interest Entities (V_4

Variable Interest Entities (VIEs) (Impact Of VIEs On The Consolidated Statements Of Comprehensive Income) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Variable Interest Entity [Line Items]
Other noninterest income	$ 60	$ 83	$ 31
Provision for income taxes	190	263	325
Variable Interest Entity
Variable Interest Entity [Line Items]
Other noninterest income		(4)	0
Provision for income taxes	(15)	(17)	(14)
Low income housing tax credits | Variable Interest Entity
Variable Interest Entity [Line Items]
Investment Program, Proportional Amortization Method, Applied, Amortization Expense	76	69	72
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit And Other Income Tax Benefit, Before Amortization Expense	75	65	68
Other tax benefits related to tax credit entities | Variable Interest Entity
Variable Interest Entity [Line Items]
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit And Other Income Tax Benefit, Before Amortization Expense	$ 16	$ 21	$ 18

Deposits Deposits (Narrative) (

Deposits Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
Domestic certificates of deposit of $250,000 or more	$ 1,400	$ 1,300
Foreign office time deposits in denominations of $250,000 or more	32	13
Foreign Time Deposits $250,000 or More	$ 32	$ 13

Deposits Deposits (Schedule of

Deposits Deposits (Schedule of Maturities of Certificates of Deposit and Other Deposits with a Stated Maturity) (Details) $ in Millions	Dec. 31, 2024 USD ($)
Deposits [Abstract]
2025	$ 4,455
2026	54
2027	14
2028	6
2029	2
Thereafter	3
Total	$ 4,534

Deposits Deposits (Schedule o_2

Deposits Deposits (Schedule of Maturities of Domestic Deposits of One Hundred Thousand or More) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Three Months or Less	$ 1,135	$ 1,083
Over three months to six months	1,040	1,052
Over six months to twelve months	263	359
Over twelve months	24	32
Domestic certificates of deposit and other deposits
Total	$ 2,462	$ 2,526

Short-term Borrowings Short-t_2

Short-term Borrowings Short-term Borrowings (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Short-Term Debt [Abstract]
Short-term borrowings	$ 0	$ 3,600
Pledged loans to provide collateralized borrowing with the FRB	20,300
Available collateralized borrowing with the FRB	$ 16,800

Short-term Borrowings Short-t_3

Short-term Borrowings Short-term Borrowings (Summary of Short-term Borrowings) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Short-term Debt [Line Items]
Amount outstanding at year-end	$ 0	$ 3,565
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase
Short-term Debt [Line Items]
Amount outstanding at year-end	$ 0	$ 15	$ 11
Weighted average interest rate at year-end	0%	5.30%	4.32%
Maximum month-end balance during the year	$ 37	$ 19	$ 1,106
Average balance outstanding during the year	$ 8	$ 29	$ 82
Weighted average interest rate during the year	5.28%	4.77%	3.28%
Other Short-term Borrowings
Short-term Debt [Line Items]
Amount outstanding at year-end	$ 0	$ 3,550	$ 3,200
Weighted average interest rate at year-end	0%	5.74%	4.54%
Maximum month-end balance during the year	$ 3,550	$ 11,000	$ 3,200
Average balance outstanding during the year	$ 829	$ 7,189	$ 354
Weighted average interest rate during the year	5.74%	5.41%	4.08%

Medium- And Long-Term Debt (Nar

Medium- And Long-Term Debt (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Debt Disclosure [Abstract]
Advance from Federal Home Loan Bank	$ 4,000
Line of Credit Facility, Remaining Borrowing Capacity	13,000
Pledged to the FHLB as collateral for potential future borrowings - investment securities	22,500
Pledged to the FHLB as collateral for potential future borrowings - investment securities	6,000
Unamortized debt issuance costs	$ 10	$ 6

Medium- And Long-Term Debt (Sch

Medium- And Long-Term Debt (Schedule Of Medium- And Long-Term Debt) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Medium- and long-term notes	$ 1,503	$ 523
Medium- and long-term debt	6,673	6,206
Parent Company
Debt Instrument [Line Items]
Medium- and long-term debt	1,746	764
Subsidiaries
Debt Instrument [Line Items]
Subordinated notes	953	965
Medium- and long-term notes	0	489
Long-term Federal Home Loan Bank advances	3,974	3,988
Medium- and long-term debt	4,927	5,442
3.80% subordinated notes due 2026 | Parent Company
Debt Instrument [Line Items]
Subordinated notes	$ 243	241
Stated interest rate	3.80%
Maturity Year	2026
4.00% notes due 2029 | Parent Company
Debt Instrument [Line Items]
Medium- and long-term notes	$ 519	523
Stated interest rate	4%
Maturity Year	2029
5.982% Notes Due 2030 | Parent Company
Debt Instrument [Line Items]
Medium- and long-term notes	$ 984	0
Stated interest rate	5.982%
Maturity Year	2030
4.00% subordinated Notes Due 2025 | Subsidiaries
Debt Instrument [Line Items]
Subordinated notes	$ 345	337
Stated interest rate	4%
Maturity Year	2025
7.875% subordinated Notes Due 2026 | Subsidiaries
Debt Instrument [Line Items]
Subordinated notes	$ 157	162
Stated interest rate	7.875%
Maturity Year	2026
5.332% Subordinated Note Due 2033 | Subsidiaries
Debt Instrument [Line Items]
Subordinated notes	$ 451	466
Stated interest rate	5.332%
Maturity Year	2033
2.50% notes due 2024 | Subsidiaries
Debt Instrument [Line Items]
Medium- and long-term notes	$ 0	489
Stated interest rate	2.50%
Maturity Year	2024
5.07% Advance Due 2025 | Subsidiaries
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank advances	$ 1,000	995
Stated interest rate	5.07%
Maturity Year	2025
4.79% Advance Due 2026 | Subsidiaries
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank advances	$ 997	997
Stated interest rate	4.79%
Maturity Year	2026
4.49% Advance Due 2027 | Subsidiaries
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank advances	$ 992	999
Stated interest rate	4.49%
Maturity Year	2027
4.49% Advance Due 2028 | Subsidiaries
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank advances	$ 985	$ 997
Stated interest rate	4.49%
Maturity Year	2028

Medium- And Long-Term Debt Sche

Medium- And Long-Term Debt Schedule of Maturities of Medium- and Long-term Debt (Details) $ in Millions	Dec. 31, 2024 USD ($)
Debt Disclosure [Abstract]
2025	$ 1,350
2026	1,400
2027	1,000
2028	1,000
2029	550
Thereafter	1,500
Total	$ 6,800

Shareholders' Equity Shareholde

Shareholders' Equity Shareholders' Equity (Narrative) (Details) - USD ($) $ / shares in Units, shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2022	Dec. 31, 2020	Dec. 31, 2023
Shares repurchased under equity repurchase program	1,500
Depository Shares, Issued			400
Preferred Stock, Dividend Rate, Percentage			5.625%
Preferred Stock, Liquidation Preference, Value			$ 100,000
Preferred Stock, Liquidation Preference Per Share	$ 100,000		$ 1,000	$ 100,000
Proceeds from Issuance of Preferred Stock, Preference Stock, and Warrants			$ 400,000,000
Stock and Warrants Issued During Period, Value, Preferred Stock and Warrants			$ 394,000,000
Stock Option
Common stock shares reserved for future issuance	4,700
Common Stock
Shares repurchased under equity repurchase program	(1,500)	(400)
Equity Repurchase Program | Common Stock
Average cost per share of shares repurchased under equity repurchase program	$ 63.50

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Schedule Of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Investment Securities, Balance at beginning of period, net of tax	$ (2,043)	$ (2,319)	$ (99)
Net unrealized holding (losses) gains arising during the period	(182)	361	(2,903)
Investment Securities, Less: (Benefit) provision for income taxes	(43)	85	(683)
Net unrealized holding (losses) gains arising during period, net of tax	(139)	276	(2,220)
Net realized losses included in net securities losses	19	0	0
Investment Securities, Less: Benefit for income taxes	4	0	0
Reclassification adjustment for net securities losses included in net income, net of tax	15	0	0
Change in net unrealized losses on investment securities, net of tax	(154)	276	(2,220)
Investment Securities, Balance at end of period, net of tax	(2,197)	(2,043)	(2,319)
Cash Flow Hedges, Balance at beginning of period, net of tax	(605)	(942)	55
Net cash flow hedge (losses) gains arising during the period	(624)	34	(1,329)
Reclassification of loss related to de-designation of derivatives to other noninterest income	0	(195)	0
Cash Flow Hedges, Less: Benefit for income taxes	(181)	(38)	(313)
Change in net cash flow hedge losses arising during the period, net of tax	(443)	(123)	(1,016)
Net cash flow losses included in interest and fees on loans	(629)	(576)	(25)
Amortization of unrealized losses related to de-designated derivatives	(8)	(26)	0
Cash Flow Hedges, Less: Benefit for income taxes	(185)	(142)	(6)
Reclassification adjustment for net cash flow hedge losses included in net income, net of tax	(452)	(460)	(19)
Change in net cash flow hedge losses, net of tax	9	337	(997)
Cash Flow Hedges, Balance at end of period, net of tax	(596)	(605)	(942)
Benefit plans, Balance at beginning of period, net of tax	(400)	(481)	(168)
Benefit plans, Actuarial loss arising during the period	35	96	(415)
Benefit plans, Less: Provision (benefit) for income taxes	8	25	(98)
Benefit plans, Net defined benefit pension and other postretirement adjustment arising during the period, net of tax	27	71	(317)
Benefit plans, Amortization of actuarial net loss	27	36	28
Benefit plans, Amortization of prior service (credit) cost	(22)	(23)	(23)
Benefit plans, Total amounts recognized in employee benefits expense	5	13	5
Benefit plans, Less: Provision for income taxes	0	3	1
Benefit plans, Adjustment for amounts recognized as components of net periodic benefit cost during the period, net of tax	5	10	4
Benefit plans, Change in defined benefit pension and other postretirement plans adjustment, net of tax	32	81	(313)
Benefit plans, Balance at end of period, net of tax	(368)	(400)	(481)
Total accumulated other comprehensive loss at end of period, net of tax	$ (3,161)	$ (3,048)	$ (3,742)
Cash flow hedge loss to be reclassified within 12 months	198 million

Net Income Per Common Share (Ba

Net Income Per Common Share (Basic And Diluted Net Income Per Common Share) (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Earnings Per Share [Abstract]
Net income	$ 698	$ 881	$ 1,151
Less income allocated to participating securities	4	4	6
Preferred stock dividends	23	23	23
Net income attributable to common shares	$ 671	$ 854	$ 1,122
Basic average common shares	133	132	131
Basic net income per common share	$ 5.06	$ 6.47	$ 8.56
Basic average common shares	133	132	131
Net effect of the assumed exercise of stock awards	1	1	2
Diluted average common shares	134	133	133
Diluted net income per common share	$ 5.02	$ 6.44	$ 8.47

Net Income Per Common Share (Sc

Net Income Per Common Share (Schedule of Average Shares Excluded From Diluted Net Income Per Common Share Computation) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options excluded because exercise prices were greater than average market price of shares	1,792,000	1,631,000	543,000
Stock Options | Minimum
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Range of exercise prices	$ 53.96	$ 49.20	$ 70.18
Stock Options | Maximum
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Range of exercise prices	$ 95.25	$ 95.25	$ 95.25

Share-Based Compensation Shar_2

Share-Based Compensation Share-Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number of shares originally available for grant	9,800,000
Shares available for grant	4,600,000
Closing stock price per share	$ 61.85
Total intrinsic value of stock options exercised	$ 4	$ 4	$ 17
Treasury Stock, Common, Shares	96,755,368	96,266,568
Restricted Stock
Total fair value of restricted stock awards that fully vested	$ 42	$ 52	4
Restricted Stock | Minimum
Share-based compensation vesting period	3 years
Restricted Stock | Maximum
Share-based compensation vesting period	5 years
Restricted Stock Units (RSUs)
Total fair value of restricted stock awards that fully vested			$ 19
Restricted Stock Units (RSUs) | Minimum
Share-based compensation vesting period	3 years
Restricted Stock Units (RSUs) | Maximum
Share-based compensation vesting period	5 years
Stock Options | Minimum
Share-based compensation vesting period	1 year
Stock Options | Maximum
Share-based compensation vesting period	4 years

Share-Based Compensation (Summa

Share-Based Compensation (Summary of Components of Share-Based Compensation Expense) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Total share-based compensation expense	$ 54	$ 52	$ 60
Related tax benefits recognized in net income	$ 12	$ 12	$ 14

Share-Based Compensation (Unrec

Share-Based Compensation (Unrecognized Compensation Expense) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($)
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Total unrecognized share-based compensation expense	$ 47
Weighted-average expected recognition period (in years)	2 years 3 months 18 days

Share-Based Compensation (Estim

Share-Based Compensation (Estimated Weighted-Average Grant-Date Fair Value Per Option Share and the Underlying Binomial Option-Pricing Model Assumptions) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Payment Arrangement, Noncash Expense [Abstract]
Weighted-average grant-date fair value per option	$ 17.64	$ 20.21	$ 25.31
Risk-free interest rates	4.13%	3.46%	1.78%
Expected dividend yield	4%	4%	4%
Expected volatility factors of the market price of Comerica common stock	37%	32%	34%
Expected option life (in years)	7 years 7 months 6 days	8 years 4 months 24 days	7 years 7 months 6 days

Share-Based Compensation (Sum_2

Share-Based Compensation (Summary of the Corporation's Stock Option Activity and Related Information) (Details) - Stock Options $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($) $ / shares shares
Options granted | shares	322
Options forfeited or expired | shares	(60)
Options exercised | shares	(279)
Number of options outstanding at December 31, 2021 | shares	2,066
Number of options exercisable at December 31, 2021 | shares	1,456
Options granted (Weighted-average exercise price) | $ / shares	$ 53.96
Options forfeited or expired (Weighted-average exercise price) | $ / shares	67.87
Options exercised (Weighted-average exercise price) | $ / shares	46.19
Options outstanding at December 31, 2021 Weighted-average exercise price) | $ / shares	64.76
Options exercisable at December 31, 2021 (Weighted-average exercise price) | $ / shares	$ 64.87
Weighted-average remaining contractual term in years at December 31, 2021	5 years 3 months 18 days
Weighted-average remaining contractual term in years exercisable at December 31, 2021	4 years
Aggregate intrinsic value outstanding at December 31, 2021 | $	$ 12
Aggregate intrinsic value exercisable at December 31, 2021 | $	$ 9

Share-Based Compensation Summar

Share-Based Compensation Summary of the Corporation's Restricted Stock Unit Activity and Related Information (Details) - Restricted Stock Units (RSUs) shares in Thousands	12 Months Ended
	Dec. 31, 2024 $ / shares shares
Service-Based Units
Restricted shares outstanding at January 1, 2021 | shares	1,518
Non-vested shares granted | shares	774
Restricted shares forfeited | shares	(103)
Restricted shares vested | shares	(365)
Restricted shares outstanding at December 31, 2021 | shares	1,824
Restricted shares outstanding at January 1, 2021 (Weighted-average grant-date fair value) | $ / shares	$ 62.42
Non-vested shares granted (Weighted-average grant-date fair value) | $ / shares	51.31
Restricted shares forfeited (Weighted-average grant-date fair value) | $ / shares	62.29
Restricted shares vested (Weighted-average grant-date fair value) | $ / shares	76.76
Restricted shares outstanding at December 31, 2021 (Weighted-average grant-date fair value) | $ / shares	$ 54.85
Performance-Based Units
Restricted shares outstanding at January 1, 2021 | shares	727
Non-vested shares granted | shares	542
Restricted shares forfeited | shares	(32)
Restricted shares vested | shares	(437)
Restricted shares outstanding at December 31, 2021 | shares	800
Restricted shares outstanding at January 1, 2021 (Weighted-average grant-date fair value) | $ / shares	$ 67.70
Non-vested shares granted (Weighted-average grant-date fair value) | $ / shares	52.62
Restricted shares forfeited (Weighted-average grant-date fair value) | $ / shares	67.71
Restricted shares vested (Weighted-average grant-date fair value) | $ / shares	56.14
Restricted shares outstanding at December 31, 2021 (Weighted-average grant-date fair value) | $ / shares	$ 63.81

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details)	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Fair value of plan assets in defined benefit pension plan	$ 2,714,000,000	$ 2,665,000,000
Estimated employer contributions for defined benefit plans for the next year	$ 0
Defined Contribution Plan, Employer Matching Contribution, Percent of Match	100%
Percent of qualified earnings contributed by employee matched by the Corporation	4%
Defined contribution plan expense	$ 29,000,000
Qualified Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Estimated average life of pension plan in years	9
Fair value of plan assets in defined benefit pension plan	$ 2,731,000,000	2,681,000,000	$ 2,508,000,000
Non-Qualified Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Fair value of plan assets in defined benefit pension plan	0	0	0
Postretirement Benefit Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Fair value of plan assets in defined benefit pension plan	$ 43,000,000	$ 45,000,000	$ 46,000,000
Minimum | Qualified Plan | Debt securities
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	35%
Maximum | Qualified Plan | Debt securities
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	45%

Employee Benefit Plans (Reconci

Employee Benefit Plans (Reconciliations of Plan assets and the Projected Benefit Obligation, the Weighted-Average Assumptions Used to Determine Year-End Benefit Obligations, and the Amounts Recognized in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Fair value of plan assets at January 1		$ 2,665,000,000
Fair value of plan assets at December 31		2,714,000,000	$ 2,665,000,000
Amortization of prior service credit		(22,000,000)	(23,000,000)	$ (23,000,000)
Qualified Plan
Fair value of plan assets at January 1		2,681,000,000	2,508,000,000
Actual return on plan assets		164,000,000	338,000,000	(777,000,000)
Benefits paid		(114,000,000)	(165,000,000)
Fair value of plan assets at December 31		2,731,000,000	2,681,000,000	2,508,000,000
Projected benefit obligation at January 1		1,629,000,000	1,611,000,000
Service cost		35,000,000	31,000,000	37,000,000
Interest cost		82,000,000	85,000,000	62,000,000
Actuarial loss (gain)		(51,000,000)	67,000,000
Projected benefit obligation at December 31		1,581,000,000	1,629,000,000	1,611,000,000
Accumulated benefit obligation		1,563,000,000	1,611,000,000
Funded Status at December 31	[1],[2]	$ 1,150,000,000	$ 1,052,000,000
Weighted-average assumptions, discount rate, percent		5.72%	5.33%
Weighted-average assumptions, rate of compensation increase, percent		4.50%	4.50%
Accumulated other comprehensive income (loss), net actuarial loss		$ (443,000,000)	$ (501,000,000)
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, Prior Service Cost (Credit), before Tax		5,000,000
Amortization of prior service credit		(15,000,000)	19,000,000
Balance at December 31		$ (438,000,000)	$ (482,000,000)
Qualified Plan | Minimum
Weighted-average assumptions, interest credit rating		454%	466%
Qualified Plan | Maximum
Weighted-average assumptions, interest credit rating		525%	525%
Non-Qualified Plan
Fair value of plan assets at January 1		$ 0	$ 0
Actual return on plan assets		0	0
Benefits paid		(15,000,000)	(15,000,000)
Fair value of plan assets at December 31		0	0	0
Projected benefit obligation at January 1		169,000,000	163,000,000
Service cost		2,000,000	2,000,000	2,000,000
Interest cost		9,000,000	9,000,000	6,000,000
Actuarial loss (gain)		0	10,000,000
Projected benefit obligation at December 31		165,000,000	169,000,000	163,000,000
Accumulated benefit obligation		162,000,000	166,000,000
Funded Status at December 31	[1],[2]	$ (165,000,000)	$ (169,000,000)
Weighted-average assumptions, discount rate, percent		5.72%	5.33%
Weighted-average assumptions, rate of compensation increase, percent		4.50%	4.50%
Accumulated other comprehensive income (loss), net actuarial loss		$ (49,000,000)	$ (52,000,000)
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, Prior Service Cost (Credit), before Tax		23,000,000
Amortization of prior service credit		(7,000,000)	29,000,000
Balance at December 31		$ (26,000,000)	$ (23,000,000)
Non-Qualified Plan | Minimum
Weighted-average assumptions, interest credit rating		454%	466%
Non-Qualified Plan | Maximum
Weighted-average assumptions, interest credit rating		525%	525%
Postretirement Benefit Plan
Fair value of plan assets at January 1		$ 45,000,000	$ 46,000,000
Actual return on plan assets		0	1,000,000	(4,000,000)
Benefits paid		(2,000,000)	(2,000,000)
Fair value of plan assets at December 31		43,000,000	45,000,000	46,000,000
Projected benefit obligation at January 1		17,000,000	21,000,000
Service cost		0	0
Interest cost		1,000,000	1,000,000	1,000,000
Actuarial loss (gain)		(1,000,000)	(3,000,000)
Projected benefit obligation at December 31		15,000,000	17,000,000	$ 21,000,000
Accumulated benefit obligation		15,000,000	17,000,000
Funded Status at December 31	[1],[2]	$ 28,000,000	$ 28,000,000
Weighted-average assumptions, discount rate, percent		5.72%	5.43%
Accumulated other comprehensive income (loss), net actuarial loss		$ (10,000,000)	$ (9,000,000)
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, Prior Service Cost (Credit), before Tax		2,000,000
Amortization of prior service credit		0	2,000,000
Balance at December 31		$ (8,000,000)	$ (7,000,000)
[1] Based on projected benefit obligation for defined benefit pension plans and accumulated benefit obligation for postretirement benefit plan. The Corporation recognizes the overfunded and underfunded status of the plans in accrued income and other assets and accrued expenses and other liabilities, respectively, on the Consolidated Balance Sheets. n/a - not applicable

Employee Benefit Plans (Schedul

Employee Benefit Plans (Schedule of Changes, Net of Tax, in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Actuarial gain (loss) arising during the period	$ 35	$ 96	$ (415)
Amortization of net actuarial loss	27	36	28
Amortization of prior service credit	(22)	(23)	(23)
Total recognized in other comprehensive income (loss)	40	109	$ (410)
Qualified Plan
Actuarial gain (loss) arising during the period	36
Amortization of net actuarial loss	23
Amortization of prior service credit	(15)	19
Total recognized in other comprehensive income (loss)	44
Non-Qualified Plan
Actuarial gain (loss) arising during the period	0
Amortization of net actuarial loss	4
Amortization of prior service credit	(7)	29
Total recognized in other comprehensive income (loss)	(3)
Postretirement Benefit Plan
Actuarial gain (loss) arising during the period	(1)
Amortization of net actuarial loss	0
Amortization of prior service credit	0	$ 2
Total recognized in other comprehensive income (loss)	$ (1)

Employee Benefit Plans Employee

Employee Benefit Plans Employee Benefit Plans (Net Periodic Defined Benefit Cost) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plan Disclosure [Line Items]
Net periodic defined benefit credit	$ (47)	$ (27)	$ (91)
Qualified Plan
Defined Benefit Plan Disclosure [Line Items]
Service cost	35	31	37
Interest cost	82	85	62
Expected return on plan assets	179	166	201
Amortization of prior service (credit) cost	(15)	(14)	(14)
Amortization of net loss	23	32	19
Total other components of net benefit credit or cost	(89)	(63)	(134)
Net periodic defined benefit credit	(54)	(32)	(97)
Actual return on plan assets	$ 164	$ 338	$ (777)
Actual rate of return on plan assets, percent	6.26%	13.91%	(23.02%)
Weighted-average assumptions, discount rate, percent	5.33%	5.60%	2.96%
Weighted-average assumptions, expected long-term return on plan assets, percent	6.75%	6.50%	6.50%
Weighted-average assumptions, rate of compensation increase, percent	4.50%	4.25%	4%
Non-Qualified Plan
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 2	$ 2	$ 2
Interest cost	9	9	6
Expected return on plan assets	0	0	0
Amortization of prior service (credit) cost	(7)	(9)	(9)
Amortization of net loss	4	4	9
Total other components of net benefit credit or cost	6	4	6
Net periodic defined benefit credit	8	6	$ 8
Actual return on plan assets	$ 0	$ 0
Weighted-average assumptions, discount rate, percent	5.33%	5.60%	2.96%
Weighted-average assumptions, rate of compensation increase, percent	4.50%	4.25%	4%
Postretirement Benefit Plan
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 0	$ 0
Interest cost	1	1	$ 1
Expected return on plan assets	2	2	3
Net periodic defined benefit credit	(1)	(1)	(2)
Actual return on plan assets	$ 0	$ 1	$ (4)
Actual rate of return on plan assets, percent	0.28%	2.61%	(8.24%)
Weighted-average assumptions, discount rate, percent	5.43%	5.71%	2.79%
Weighted-average assumptions, expected long-term return on plan assets, percent	5%	5%	5%

Employee Benefit Plans (Fair Va

Employee Benefit Plans (Fair Values of the Corporation's Qualified Defined Benefit Pension Plan Investments Measured at Fair Value on a Recurring Basis) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Fair value of plan assets in qualified defined benefit pension plan, Excluding assets valued at net asset value	$ 1,522	$ 1,397
Fair value of plan assets in qualified defined benefit pension plan	2,714	2,665
Debt securities | U.S. Treasury and other U.S. government agency securities
Fair value of plan assets in qualified defined benefit pension plan	676	567
Debt securities | Corporate and municipal bonds and notes
Fair value of plan assets in qualified defined benefit pension plan	809	786
Debt securities | Collective investments funds
Fair value of plan assets in qualified defined benefit pension plan	1,192	1,268
Private placements | Private placements
Fair value of plan assets in qualified defined benefit pension plan	37	44
Level 1
Fair value of plan assets in qualified defined benefit pension plan, Excluding assets valued at net asset value	670	564
Level 1 | Debt securities | U.S. Treasury and other U.S. government agency securities
Fair value of plan assets in qualified defined benefit pension plan	670	564
Level 1 | Debt securities | Corporate and municipal bonds and notes
Fair value of plan assets in qualified defined benefit pension plan	0	0
Level 1 | Private placements
Fair value of plan assets in qualified defined benefit pension plan	0	0
Level 2
Fair value of plan assets in qualified defined benefit pension plan, Excluding assets valued at net asset value	815	789
Level 2 | Debt securities | U.S. Treasury and other U.S. government agency securities
Fair value of plan assets in qualified defined benefit pension plan	6	3
Level 2 | Debt securities | Corporate and municipal bonds and notes
Fair value of plan assets in qualified defined benefit pension plan	809	786
Level 2 | Private placements
Fair value of plan assets in qualified defined benefit pension plan	0	0
Level 3
Fair value of plan assets in qualified defined benefit pension plan, Excluding assets valued at net asset value	37	44
Level 3 | Debt securities | U.S. Treasury and other U.S. government agency securities
Fair value of plan assets in qualified defined benefit pension plan	0	0
Level 3 | Debt securities | Corporate and municipal bonds and notes
Fair value of plan assets in qualified defined benefit pension plan	0	0
Level 3 | Private placements
Fair value of plan assets in qualified defined benefit pension plan	$ 37	$ 44

Employee Benefit Plans (Summary

Employee Benefit Plans (Summary of Changes in the Corporation's Qualified Defined Benefit Pension Plan's Level 3 Investments Measured at Fair Value on a Recurring Basis) (Details) - Private placements - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Balance at beginning and end of period	$ 44	$ 39
Gains (Losses) Realized	0	(3)
Gains (Losses) Unrealized	(2)	8
Purchases	47	46
Sales	(52)	(46)
Balance at beginning and end of period	$ 37	$ 44

Employee Benefit Plans (Sched_2

Employee Benefit Plans (Schedule of Estimated Future Employer Contributions) (Details) $ in Millions	Dec. 31, 2024 USD ($)
Qualified Plan
2022	$ 166
2023	146
2024	146
2025	144
2026	145
2027 - 2031	670
Non-Qualified Plan
2022	15
2023	15
2024	15
2025	15
2026	15
2027 - 2031	75
Postretirement Benefit Plan
2022	2
2023	2
2024	2
2025	2
2026	2
2027 - 2031	$ 5

Income Taxes And Tax-Related _3

Income Taxes And Tax-Related Items Income Taxes And Tax-Related Items (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income before income taxes	$ 888	$ 1,144	$ 1,476
Foreign-source income	57
Liability for tax-related interest and penalties	1
Unrecognized tax benefits that would impact the effective tax rate	6	5
Deferred Tax Assets, Operating Loss Carryforwards, Federal	(9)	(5)
State net operating loss carryforwards	2
Deferred tax assets, federal valuation allowance	9	5
Deferred tax assets, state valuation allowance	$ 2	$ 1
Minimum
Operating Loss Carryforwards, Expiration Date - Federal	2029
Operating Loss Carryforwards, Expiration Date - State	2024
Maximum
Operating Loss Carryforwards, Expiration Date - Federal	2035
Operating Loss Carryforwards, Expiration Date - State	2028

Income Taxes And Tax-Related _4

Income Taxes And Tax-Related Items Current and Deferred Components of the Provision for Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Current federal income tax	$ 143	$ 297	$ 296
Current foreign income tax	11	9	6
Current state and local income tax	37	49	50
Total current income tax	191	355	352
Deferred federal income tax	23	(83)	(24)
Deferred state and local income tax	(24)	(9)	(3)
Total deferred income tax	(1)	(92)	(27)
Provision for income taxes	$ 190	$ 263	$ 325

Income Taxes And Tax-Related _5

Income Taxes And Tax-Related Items Reconciliation of Expected Income Tax Expense at the Federal Statutory Rate to the Corporation's Provision for Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Tax based on federal statutory rate, amount	$ 186	$ 240	$ 310
Tax based on federal statutory rate, percent	21%	21%	21%
State income tax, amount	$ 10	$ 35	$ 36
State income tax, percent	1.10%	3.10%	2.50%
Affordable housing and historic credits, amount	$ (15)	$ (16)	$ (13)
Affordable housing and historic credits, percent	(1.70%)	(1.40%)	(0.90%)
Bank-owned life insurance, amount	$ (8)	$ (10)	$ (10)
Bank-owned life insurance, percent	(0.90%)	(0.90%)	(0.70%)
FDIC fees, amount	$ 13	$ 15	$ 6
FDIC fees, percent	1.50%	1.30%	0.40%
Employee Stock Transactions, amount	$ 1	$ (1)	$ (3)
Employee Stock Transactions, percent	0.20%	(0.10%)	(0.20%)
Tax-related interest and penalties, amount	$ 0	$ (4)	$ 0
Tax-related interest and penalties, percent	0%	(0.40%)	0%
Other, amount	$ 3	$ 4	$ (1)
Other, percent	0.40%	0.40%	(0.10%)
Provision for income taxes, amount	$ 190	$ 263	$ 325
Provision for income taxes, percent	21.60%	23%	22%

Income Taxes And Tax-Related _6

Income Taxes And Tax-Related Items Reconciliation of the Beginning and Ending Amounts of Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Balance at January 1	$ 7	$ 16	$ 18
Increase as a result of tax positions taken during a prior period	0	0	(2)
Increase as a result of tax positions taken during a current period	1	1	3
Decreases related to settlements with tax authorities	0	(10)	(3)
Decrease related to other tax position changes	0	0	0
Balance at December 31	$ 8	$ 7	$ 16

Income Taxes And Tax-Related _7

Income Taxes And Tax-Related Items Tax Years for Significant Jurisdictions That Remain Subject to Examination (Details)	12 Months Ended
	Dec. 31, 2024
Federal | Minimum
Open Tax Year	2021
Federal | Maximum
Open Tax Year	2023
State | Minimum
Open Tax Year	2020
Open tax years - second grouping	2018
State | Maximum
Open Tax Year	2023
Open tax years - second grouping	2023

Income Taxes And Tax-Related _8

Income Taxes And Tax-Related Items Principal Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Allowance for loan losses	$ 145	$ 145
Deferred compensation	72	77
Deferred loan origination fees and costs	10	11
Deferred Tax Asset, Hedging gains and losses	187	186
Deferred Tax Assets, net unrealized gains on investment securities available-for-sale	690	628
Operating lease liabilities	75	81
Other temporary differences, net	131	124
Total deferred tax asset before valuation allowance	1,310	1,252
Valuation allowance	(11)	(6)
Total deferred tax assets	1,299	1,246
Deferred tax liabilities:
Lease financing transactions	(18)	(20)
Defined benefit plans	177	159
Allowance for depreciation	(9)	(5)
Leasing right of use assets	(61)	(67)
Total deferred tax liabilities	(265)	(251)
Net deferred tax asset	$ 1,034	$ 995

Transactions with Related Par_2

Transactions with Related Parties Transactions with Related Parties (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($)
Related Party Transactions [Abstract]
Loans attributed to persons who were related parties at end of period	$ 66
New loans to related parties	612
Repayments on loans to related parties	627
Loans and Leases Receivable, Related Parties Beginning of Period	$ 81

Regulatory Capital and Reserv_3

Regulatory Capital and Reserve Requirements Regulatory Capital and Reserve Requirements (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Dividends available to be paid to parent company without obtaining prior approval from bank regulatory agencies	$ 782
Dividends from bank subsidiaries	$ 200	$ 675	$ 1,000
Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum	0.10	0.06
U.S. Banking Subsidiaries
Total capital to risk-weighted assets	0.10
Tier 1 risk-based capital minimum to be well capitalized	0.08
Common equity tier 1 risk-based capital minimum to be well capitalized	6.50%
Banking Regulation, Tier 1 Leverage Capital Ratio, Well Capitalized, Minimum	0.05

Regulatory Capital and Reserv_4

Regulatory Capital and Reserve Requirements Regulatory Capital and Reserve Requirements (Summary of Capital Position) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Summary of Capital Position [Line Items]
Tier 1 capital	$ 4,400	$ 4,600
Total capital	5,800		$ 6,100
Minimum
Summary of Capital Position [Line Items]
CET 1 capital	$ 3,300	$ 3,400
CET 1 capital to risk-weighted assets	4.50%	4.50%
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum	0.060	0.060
Total capital to risk-weighted assets	0.080	0.080
Tier 1 capital to average assets	0.040	0.040
Banking Regulation, Capital Conservation Buffer, Total Risk-Based Capital, Actual		0.025
Capital conservation buffer	0.025
Comerica Incorporated
Summary of Capital Position [Line Items]
CET 1 capital	$ 8,667	$ 8,414
Tier 1 capital	9,061	8,808
Total capital	10,363	10,263
Risk-weighted assets	72,903	75,901
Average assets (fourth quarter)	$ 81,797	$ 87,538
CET 1 capital to risk-weighted assets	11.89%	11.09%
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual	0.1243	0.1160
Total capital to risk-weighted assets	0.1421	0.1352
Tier 1 capital to average assets	0.1108	0.1006
Capital conservation buffer	0.0621	0.0552
Comerica Bank
Summary of Capital Position [Line Items]
CET 1 capital	$ 8,547	$ 8,007
Tier 1 capital	8,547	8,007
Total capital	9,799	9,362
Risk-weighted assets	72,833	75,783
Average assets (fourth quarter)	$ 81,643	$ 87,423
CET 1 capital to risk-weighted assets	11.74%	10.57%
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual	0.1174	0.1057
Total capital to risk-weighted assets	0.1345	0.1235
Tier 1 capital to average assets	0.1047	0.0916
Capital conservation buffer	0.0545	0.0435

Contingent Liabilities (Narrati

Contingent Liabilities (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Loss Contingencies [Line Items]
Legal fees	$ 21	$ 26	$ 17
Pending Litigation | Minimum
Loss Contingencies [Line Items]
Loss contingency, estimate of possible loss	0
Pending Litigation | Maximum
Loss Contingencies [Line Items]
Loss contingency, estimate of possible loss	$ 161

Business Segment Information (N

Business Segment Information (Narrative) (Details)	12 Months Ended
	Dec. 31, 2024 segment
Segment Reporting [Abstract]
Number of Major Business Segments	3

Business Segment Information (B

Business Segment Information (Business Segment Financial Results) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Provision for credit losses	$ 49	$ 89	$ 60
Noninterest income	1,054	1,078	1,068
Salaries and benefits expense	1,352	1,306	1,208
Outside processing fee expense	273	277	251
Occupancy expense	181	171	175
Allocated corporate expense	0	0	0
All other noninterest expenses	501	605	364
Noninterest expenses	2,307	2,359	1,998
Provision (benefit) for income taxes	(190)	(263)	(325)
Net income (loss)	698	881	1,151
Net credit-related (recoveries) charge-offs	52	22	17
Assets, average	80,568	87,194	87,272
Loans, average	50,979	53,903	50,460
Deposits, average	63,901	66,018	75,481
Net interest income	2,190	2,514	2,466
Commercial Bank
Provision for credit losses	47	90	32
Noninterest income	592	603	607
Salaries and benefits expense	299	295	275
Outside processing fee expense	195	201	185
Occupancy expense	23	23	21
Allocated corporate expense	(415)	(377)	(394)
All other noninterest expenses	117	210	89
Noninterest expenses	1,049	1,106	964
Provision (benefit) for income taxes	(295)	(342)	(315)
Net income (loss)	1,070	1,116	1,057
Net credit-related (recoveries) charge-offs	47	20	21
Assets, average	45,859	49,458	47,437
Loans, average	43,584	46,432	43,481
Deposits, average	32,264	33,019	42,584
Net interest income	1,869	2,051	1,761
Retail Bank
Provision for credit losses	2	3	11
Noninterest income	112	119	122
Salaries and benefits expense	224	222	226
Outside processing fee expense	19	20	22
Occupancy expense	103	98	107
Allocated corporate expense	(272)	(263)	(241)
All other noninterest expenses	89	125	94
Noninterest expenses	707	728	690
Provision (benefit) for income taxes	(48)	(58)	(22)
Net income (loss)	168	176	79
Net credit-related (recoveries) charge-offs	4	2	(1)
Assets, average	3,038	2,960	2,814
Loans, average	2,335	2,237	2,063
Deposits, average	24,292	24,363	26,672
Net interest income	813	846	680
Wealth Management
Provision for credit losses	(2)	(6)	9
Noninterest income	287	307	298
Salaries and benefits expense	136	171	154
Outside processing fee expense	41	35	27
Occupancy expense	12	12	12
Allocated corporate expense	(128)	(120)	(120)
All other noninterest expenses	56	64	35
Noninterest expenses	373	402	348
Provision (benefit) for income taxes	(23)	(29)	(34)
Net income (loss)	80	90	106
Net credit-related (recoveries) charge-offs	1	0	(3)
Assets, average	5,310	5,500	5,037
Loans, average	5,050	5,232	4,906
Deposits, average	3,894	4,130	5,439
Net interest income	187	208	199
Finance
Provision for credit losses	0	0	0
Noninterest income	50	37	59
Salaries and benefits expense	56	45	44
Outside processing fee expense	5	7	4
Occupancy expense	3	2	2
Allocated corporate expense	(70)	(59)	(55)
All other noninterest expenses	11	18	6
Noninterest expenses	5	13	1
Provision (benefit) for income taxes	179	164	39
Net income (loss)	(614)	(505)	(98)
Net credit-related (recoveries) charge-offs	0	0	0
Assets, average	18,400	20,139	20,912
Loans, average	0	0	0
Deposits, average	3,179	4,169	360
Net interest income	(838)	(693)	(195)
Other
Provision for credit losses	2	2	8
Noninterest income	13	12	(18)
Salaries and benefits expense	637	573	509
Outside processing fee expense	13	14	13
Occupancy expense	40	36	33
Allocated corporate expense	(745)	701	700
All other noninterest expenses	228	188	140
Noninterest expenses	173	110	(5)
Provision (benefit) for income taxes	(3)	2	7
Net income (loss)	(6)	4	7
Net credit-related (recoveries) charge-offs	0	0	0
Assets, average	7,961	9,137	11,072
Loans, average	10	2	10
Deposits, average	272	337	426
Net interest income	$ 159	$ 102	$ 21

Parent Company Financial Stat_3

Parent Company Financial Statements Parent Company Financial Statements (Balance Sheets) (Details) - USD ($) $ / shares in Units, $ in Millions	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Condensed Financial Statements, Captions [Line Items]
Cash and due from subsidiary bank	$ 850	$ 1,443
Other short-term investments	375	399
Accrued income and other assets	6,751	7,194
Total assets	79,297	85,834
Medium- and long-term debt	6,673	6,206
Accrued expenses and other liabilities	2,270	2,895
Total liabilities	$ 72,754	$ 79,428
Preferred Stock, No Par Value	$ 0	$ 0
Preferred Stock, Shares Authorized	4,000	4,000
Preferred Stock, Shares Issued	4,000	4,000
Fixed rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares, Issued - 4,000 shares at 12/31/2024 and 12/31/2023	$ 394	$ 394
Common stock, par value	$ 5	$ 5
Common stock, authorized shares	325,000,000	325,000,000
Common stock, issued shares	228,164,824	228,164,824
Common stock - $5 par value: Authorized - 325,000,000 shares; Issued - 228,164,824 shares	$ 1,141	$ 1,141
Capital surplus	2,218	2,224
Accumulated other comprehensive loss	(3,161)	(3,048)	$ (3,742)
Retained earnings	12,017	11,727
Less cost of common stock in treasury - 96,755,368 shares at 12/31/24 and 96,266,568 shares at 12/31/23	(6,066)	(6,032)
Total shareholders' equity	6,543	6,406	$ 5,181	$ 7,897
Total liabilities and shareholders' equity	79,297	85,834
Parent Company
Condensed Financial Statements, Captions [Line Items]
Cash and due from subsidiary bank	1,218	1,415
Investment Securities	35	0
Other short-term investments	89	104
Advances to Affiliate	850	0
Investments in subsidiaries, principally banks	6,212	5,777
Accrued income and other assets	220	180
Total assets	8,624	7,476
Medium- and long-term debt	1,746	764
Accrued expenses and other liabilities	335	306
Total liabilities	2,081	1,070
Fixed rate reset non-cumulative perpetual preferred stock, series A, no par value, $100,000 liquidation preference per share: Authorized - 4,000 shares, Issued - 4,000 shares at 12/31/2024 and 12/31/2023		394
Common stock - $5 par value: Authorized - 325,000,000 shares; Issued - 228,164,824 shares		1,141
Capital surplus		2,224
Accumulated other comprehensive loss	(3,161)	(3,048)
Retained earnings		11,727
Less cost of common stock in treasury - 96,755,368 shares at 12/31/24 and 96,266,568 shares at 12/31/23		(6,032)
Total shareholders' equity	6,543	6,406
Total liabilities and shareholders' equity	$ 8,624	$ 7,476

Parent Company Financial Stat_4

Parent Company Financial Statements Parent Company Financial Statements (Statements of Income) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Condensed Financial Statements, Captions [Line Items]
Other interest income	$ 333	$ 405	$ 105
Interest on medium- and long-term debt	463	378	87
Salaries and benefits expense	1,352	1,306	1,208
Other noninterest expenses	151	164	84
Benefit for income taxes	190	263	325
Net Income	698	881	1,151
Less income allocated to participating securities	4	4	6
Net income attributable to common shares	671	854	1,122
Parent Company
Condensed Financial Statements, Captions [Line Items]
Dividends from subsidiaries	200	677	1,067
Other interest income	58	53	13
Intercompany management fee	85	75	109
Total income	343	805	1,189
Interest on medium- and long-term debt	124	79	47
Salaries and benefits expense	71	62	53
Other noninterest expenses	15	13	46
Total expenses	210	154	146
Income before benefit for income taxes and equity in undistributed earnings of subsidiaries	133	651	1,043
Benefit for income taxes	(11)	(2)	(3)
Income before equity in undistributed earnings of subsidiaries	144	653	1,046
Equity in undistributed earnings of subsidiaries, principally banks	554	228	105
Net Income	698	881	1,151
Less income allocated to participating securities	4	4	6
Less preferred stock dividends	23	23	23
Net income attributable to common shares	$ 671	$ 854	$ 1,122

Parent Company Financial Stat_5

Parent Company Financial Statements Parent Company Financial Statements (Statements of Cash Flows) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Condensed Financial Statements, Captions [Line Items]
Net income	$ 698	$ 881	$ 1,151
Net periodic defined benefit credit	(47)	(27)	(91)
Share-based compensation expense	54	52	60
Benefit for deferred income taxes	(1)	(92)	(27)
Other, net	(183)	(5)	(614)
Net cash provided by operating activities	601	1,251	638
Maturities and redemptions of investment securities available-for-sale	2,213	2,485	2,511
Purchases of investment securities available-for-sale	1,332	0	7,470
Net change in premises and equipment	(153)	(153)	(82)
Net cash provided by (used in) investing activities	3,261	3,494	(9,952)
Issuances and advances of medium- and long-term debt	1,000	4,000	500
Cash dividends paid on preferred stock	23	23	23
Repurchases of common stock	100	0	36
Stock tendered for payment of withholding taxes on common stock	(14)	(17)	(7)
Cash dividends paid on common stock	(377)	(371)	(353)
Net cash used in financing activities	(6,560)	(1,525)	(7,083)
Interest paid	1,892	1,449	130
Parent Company
Condensed Financial Statements, Captions [Line Items]
Net income	698	881	1,151
Undistributed (losses) earnings of subsidiaries, principally banks	(554)	(228)	(105)
Net periodic defined benefit credit	1	1	2
Share-based compensation expense	20	18	22
Benefit for deferred income taxes	(8)	(2)	0
Other, net	21	28	24
Net cash provided by operating activities	178	698	1,094
Maturities and redemptions of investment securities available-for-sale	70	0	0
Purchases of investment securities available-for-sale	(103)	0	0
Advance to subsidiary bank	(850)	0	0
Capital transactions with subsidiaries	0	150	0
Net change in premises and equipment	0	0	2
Net cash provided by (used in) investing activities	(883)	150	2
Maturities of medium- and long-term debt	0	(850)	0
Issuances and advances of medium- and long-term debt	1,000	0	0
Cash dividends paid on preferred stock	(23)	(23)	(23)
Repurchases of common stock	(100)	0	(36)
Stock tendered for payment of withholding taxes on common stock	14	17	(7)
Cash dividends paid on common stock	(377)	(371)	(353)
Issuances of common stock under employee stock plans	22	18	28
Net cash used in financing activities	508	(1,243)	(391)
Net (decrease) increase in cash and cash equivalents	(197)	(395)	705
Cash and cash equivalents at beginning of period	1,415	1,810	1,105
Cash and cash equivalents at end of period	1,218	1,415	1,810
Interest paid	$ 115	$ 76	$ 41

Revenue from Contracts with C_3

Revenue from Contracts with Customers Revenue from Contracts with Customers (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024		Dec. 31, 2023	Dec. 31, 2022
Revenue from contracts with customers:
Total revenue from contracts with customers	$ 772		$ 798	$ 788
Other sources of noninterest income	282		280	280
Total noninterest income	1,054		1,078	1,068
Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	378		387	384
Other sources of noninterest income	214		216	223
Total noninterest income	592		603	607
Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	109		114	115
Other sources of noninterest income	3		5	7
Total noninterest income	112		119	122
Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	284		296	288
Other sources of noninterest income	3		11	10
Total noninterest income	287		307	298
Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	1		1	1
Other sources of noninterest income	62		48	40
Total noninterest income	63		49	41
Card fees
Revenue from contracts with customers:
Total revenue from contracts with customers	256		280	273
Card fees | Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	212		231	227
Card fees | Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	40		45	42
Card fees | Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	4		4	4
Card fees | Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Fiduciary income
Revenue from contracts with customers:
Total revenue from contracts with customers	220		235	233
Fiduciary income | Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	1		1	0
Fiduciary income | Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Fiduciary income | Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	219		234	233
Fiduciary income | Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Service charges on deposit accounts
Revenue from contracts with customers:
Total revenue from contracts with customers	184		185	195
Service charges on deposit accounts | Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	124		125	132
Service charges on deposit accounts | Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	54		55	57
Service charges on deposit accounts | Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	6		5	6
Service charges on deposit accounts | Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Commercial loan servicing fees
Revenue from contracts with customers:
Total revenue from contracts with customers	12	[1]	11	11
Commercial loan servicing fees | Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	12		11	11
Commercial loan servicing fees | Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Commercial loan servicing fees | Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Commercial loan servicing fees | Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Capital Markets
Revenue from contracts with customers:
Total revenue from contracts with customers	22		17	11
Capital Markets | Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	22		17	11
Capital Markets | Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Capital Markets | Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Capital Markets | Finance Other1
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Brokerage fees
Revenue from contracts with customers:
Total revenue from contracts with customers	51		30	21
Brokerage fees | Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Brokerage fees | Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	1		0	0
Brokerage fees | Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	50		30	21
Brokerage fees | Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	0		0	0
Other noninterest income
Revenue from contracts with customers:
Total revenue from contracts with customers	27	[2]	40	44
Other noninterest income | Commercial Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	7		2	3
Other noninterest income | Retail Bank
Revenue from contracts with customers:
Total revenue from contracts with customers	14		14	16
Other noninterest income | Wealth Management
Revenue from contracts with customers:
Total revenue from contracts with customers	5		23	24
Other noninterest income | Finance & Other
Revenue from contracts with customers:
Total revenue from contracts with customers	$ 1		$ 1	$ 1
[1] Included in commercial lending fees on the Consolidated Statements of Income. Excludes derivative, warrant and other miscellaneous income.

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024		Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Sales-type and Direct Financing Leases, Interest Income	$ 47		$ 40	$ 21
Total lease receivables	$ 675	[1]	$ 761
[1] Excludes net investment in leveraged leases of $47 million.

Leases (Lease, Cost) (Details)

Leases (Lease, Cost) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating Lease, Expense	$ 69	$ 67	$ 68
Variable Lease, Cost	19	18	17
Less sublease Income	(1)	(1)
Total lease expense	$ 87	$ 84	$ 84

Leases (Supplemental Balance Sh

Leases (Supplemental Balance Sheet Information) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Right-of-use (ROU) assets	Accrued income and other assets	Accrued income and other assets	Accrued income and other assets
Operating lease liabilities	$ 357	$ 388	$ 406
Weighted average discount rate	3.92%	3.72%	3.53%
Weighted average lease term in years	8 years	9 years	9 years

Leases (Supplemental Cash Flow

Leases (Supplemental Cash Flow Information) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating cash flows from operating activities	$ 80	$ 69	$ 66
ROU assets obtained in exchange for new lease liabilities	$ 27	$ 28	$ 80

Leases (Contractual Maturities

Leases (Contractual Maturities of Operating Lease Liabilities) (Details) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
2025	$ 67
2026	67
2027	56
2028	48
2029	36
Thereafter	149
Total contractual maturities	423
Less: Imputed interest	(66)
Total operating lease liabilities	$ 357	$ 388	$ 406

Leases (Contractual Maturitie_2

Leases (Contractual Maturities of Sales-Type and Direct Financing Lease Receivables) (Details) (Details) - USD ($) $ in Millions		Dec. 31, 2024		Dec. 31, 2023
Leases [Abstract]
2025		$ 136
2026		96
2027		68
2028		55
2029		49
Thereafter		245
Total lease payments receivable		649
Unguaranteed residual values		51
Less: Deferred interest income	[1]	(25)
Total lease receivables		$ 675	[1]	$ 761
[1] Excludes net investment in leveraged leases of $47 million.