Company: CMA
Filing Date: 2025-02-24
Form Type: 10-K
Source: 0000028412-25-000108
Chunk: 317

Company: COMERICA INC
Filing Date: 2025-02-24
Form: 10-K
Item: Item 1
Chunk 317
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100 basis points$(567)(4)%Declining 100 basis points598 5 Declining 100 basis points794 6 Rising 200 basis points(1,066)(9)Rising 200 basis points(1,254)(10)Declining 200 basis points1,097 9 Declining 200 basis points1,363 11     

The sensitivity of the economic value of equity to rising and declining rates decreased modestly from December 31, 2023 to December 31, 2024 due to a declining notional amount of cash flow swaps and a smaller securities portfolio, partially offset by updated deposit modeling assumptions.

Loans by Maturity and Interest Rate Sensitivity

The contractual maturity distribution of the loan portfolio is presented below.

Loans Maturing(in millions)December 31, 2024Within OneYear (a)After OneBut WithinFive YearsAfter Five But Within Fifteen YearsAfter Fifteen YearsTotalCommercial loans$9,873 $15,573 $894$152 $26,492 Real estate construction loans1,287 2,280 113— 3,680 Commercial mortgage loans4,213 7,629 2,63516 14,493 Lease financing137 266 319— 722 International loans463 458 31— 952 Residential mortgage loans20 6 1861,717 1,929 Consumer loans447 134 431,647 2,271 Total$16,440 $26,346 $4,221 $3,532 $50,539 

(a)Includes demand loans, loans having no stated repayment schedule or maturity and overdrafts.

The interest rate composition of loans with a maturity date over one year are presented below based on contractual terms.

Loans Maturing After One Year(in millions)December 31, 2024Predetermined (Fixed) Interest RateFloating Interest RateTotalCommercial loans$307 $16,312 $16,619 Real estate construction loans51 2,342 2,393 Commercial mortgage loans1,591 8,689 10,280 Lease financing241 344 585 International loans1 488 489 Residential mortgage loans576 1,333 1,909 Consumer loans21 1,803 1,824 Total$2,788 $31,311 $34,