Commitments and Contingent Liabilities (Tables)

3 Months Ended

Mar. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Significant Industry Concentrations Related to Credit Exposure

Significant industry concentrations related to credit exposure at March 31, 2015 are disclosed in the financial institutions portfolio exposure table and the commercial portfolio exposure table below.

Financial institutions portfolio exposure (in billions)	March 31, 2015
	Loans		Unfunded commitments		Total exposure
Banks	$	9.1	$	1.7	$	10.8
Asset managers	1.7		5.1		6.8
Securities industry	3.3		1.1		4.4
Insurance	0.1		3.9		4.0
Government	0.1		3.0		3.1
Other	0.4		1.2		1.6
Total	$	14.7	$	16.0	$	30.7

Commercial portfolio exposure (in billions)	March 31, 2015
	Loans		Unfunded commitments		Total exposure
Services and other	$	0.8	$	6.0	$	6.8
Manufacturing	0.4		5.7		6.1
Energy and utilities	0.5		5.5		6.0
Media and telecom	0.3		1.5		1.8
Total	$	2.0	$	18.7	$	20.7

Summary of Off-Balance Sheet Credit Risks, Net of Participations

The following table presents a summary of our off-balance sheet credit risks, net of participations.

Off-balance sheet credit risks	March 31,		Dec. 31,
(in millions)	2015		2014
Lending commitments	$	34,166	$	33,273
Standby letters of credit (a)	5,600		5,767
Commercial letters of credit	264		255
Securities lending indemnifications (b)	310,273		304,386

(a) Net of participations totaling $961 million at March 31, 2015 and $894 million at Dec. 31, 2014.

(b) Excludes the indemnification for securities for which BNY Mellon acts as an agent on behalf of CIBC Mellon clients, which totaled $68 billion at March 31, 2015 and $64 billion at Dec. 31, 2014.

Standby Letters of Credits by Investment Grade

The table below shows SBLCs by investment grade:

Standby letters of credit	March 31,		Dec. 31,
	2015		2014
Investment grade	86	%	88	%
Non-investment grade	14	%	12	%