Bank Premises and Equipment (Tables)

12 Months Ended

Dec. 31, 2012

The following is a summary of bank premises and equipment at December 31:

($ in millions)	Estimated Useful Life		2012	2011
Land and improvements		$	841	834
Buildings	5 to 50 yrs.		1,692	1,623
Equipment	2 to 20 yrs.		1,460	1,318
Leasehold improvements	3 to 40 yrs.		386	394
Construction in progress			141	140
Accumulated depreciation and amortization			(1,978)	(1,862)
Total		$	2,542	2,447

Annual Future Minimum Payments under Capital Leases and Noncancelable Operating Leases

The following table provides the annual future minimum payments under capital leases and noncancelable operating leases at December 31, 2012:

($ in millions)		Operating Leases	Capital Leases
Year ended December 31,
2013	$	89	7
2014		85	7
2015		81	6
2016		74	3
2017		66	-
Thereafter		374	1
Total minimum lease payments	$	769	24
Less: Amounts representing interest		-	3
Present value of net minimum lease payments		-	21

- Definition

Tabular disclosure of the useful life and salvage value of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.

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