| Schedule Of Loan Portfolio, Net Of Unearned Income |
The following table presents the distribution of Regions' loan portfolio by segment and class, net of unearned income as of December 31: | | | | | | | | | | | | | 2024 | | 2023 | | | (In millions) | | Commercial and industrial | $ | 49,671 | | | $ | 50,865 | | | Commercial real estate mortgage—owner-occupied | 4,841 | | | 4,887 | | | Commercial real estate construction—owner-occupied | 333 | | | 281 | | | Total commercial | 54,845 | | | 56,033 | | | Commercial investor real estate mortgage | 6,567 | | | 6,605 | | | Commercial investor real estate construction | 2,143 | | | 2,245 | | | Total investor real estate | 8,710 | | | 8,850 | | | Residential first mortgage | 20,094 | | | 20,207 | | | Home equity lines | 3,150 | | | 3,221 | | | Home equity loans | 2,390 | | | 2,439 | | | Consumer credit card | 1,445 | | | 1,341 | | | Other consumer—exit portfolio | 4 | | | 43 | | | Other consumer | 6,089 | | | 6,245 | | | Total consumer | 33,172 | | | 33,496 | | Total loans, net of unearned income (1) | $ | 96,727 | | | $ | 98,379 | |
_____ (1)Loans are presented net of unearned income, unamortized discounts and premiums and deferred loan fees and costs of $981 million and $965 million at December 31, 2024 and December 31, 2023.
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