Company: CMA
Filing Date: 2025-02-24
Form Type: 10-K
Source: 0000028412-25-000108
Chunk: 557

Company: COMERICA INC
Filing Date: 2025-02-24
Form: 10-K
Item: Item 16
Chunk 557
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 Ended December 31, 2023Business loans:Commercial$92 $20 $10 $2 $124 0.46 %Real estate construction:Other business lines (c)10 — — — 10 1.92 Total real estate construction10 — — — 10 0.19 Commercial mortgage:Other business lines (c)15 — — 10 25 0.28 Total commercial mortgage15 — — 10 25 0.18 Total business loans117 20 10 12 159 0.33 Retail loans:Consumer:Home equity1 — 1 1 3 0.16 Total consumer1 — 1 1 3 0.13 Total retail loans1 — 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 consolidated 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.

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Table of ContentsNOTES TO CONSOLIDATED FINANCIAL STATEMENTSComerica Incorporated and Subsidiaries

The following table summarizes the financial impacts of loan modifications made to specific loans. Weighted-Average Term Extension (in months)Weighted-Average Interest Rate ReductionYear Ended December 31, 2024Business loans:Commercial12.7 (1.21)%Commercial mortgage:Other business lines (a)14.1 — Total commercial mortgage14.1 — International46.1— Total business loans13.6 (1.21)Retail loans:Residential mortgage95.