Accumulated Other Comprehensive Income (Tables)

12 Months Ended

Dec. 31, 2014

Accumulated Other Comprehensive Income

Activity of the Components of Other Comprehensive Income and Accumulated Other Comprehensive Income

The tables below present the activity of the components of OCI and AOCI for the years ended December 31:
			Total Other			Total Accumulated Other
			Comprehensive Income			Comprehensive Income
			Pretax	Tax	Net	Beginning	Net	Ending
($ in millions)			Activity	Effect	Activity	Balance	Activity	Balance
2014
Unrealized holding gains on available-for-sale securities arising
	during period	$	580	(202)	378
Reclassification adjustment for net gains included in net income			(37)	13	(24)
Net unrealized gains on available-for-sale securities			543	(189)	354	121	354	475
Unrealized holding gains on cash flow hedge derivatives arising
	during period		60	(21)	39
Reclassification adjustment for net gains on cash flow
	hedge derivatives included in net income		(44)	15	(29)
Net unrealized gains on cash flow hedge derivatives			16	(6)	10	13	10	23
Net actuarial loss arising during the period			(37)	12	(25)
Reclassification of amounts to net periodic benefit costs			12	(4)	8
Defined benefit pension plans, net			(25)	8	(17)	(52)	(17)	(69)
Total		$	534	(187)	347	82	347	429

2013
Unrealized holding losses on available-for-sale securities arising
	during period	$	(454)	159	(295)
Reclassification adjustment for net losses included in net income			6	(2)	4
Net unrealized gains on available-for-sale securities			(448)	157	(291)	412	(291)	121
Unrealized holding losses on cash flow hedge derivatives arising
	during period		(13)	5	(8)
Reclassification adjustment for net gains on cash flow
	hedge derivatives included in net income		(44)	15	(29)
Net unrealized gains on cash flow hedge derivatives			(57)	20	(37)	50	(37)	13
Net actuarial gain arising during the period			38	(13)	25
Reclassification of amounts to net periodic benefit costs			16	(6)	10
Defined benefit pension plans, net			54	(19)	35	(87)	35	(52)
Total		$	(451)	158	(293)	375	(293)	82

2012
Unrealized holding losses on available-for-sale securities arising
	during period	$	(97)	34	(63)
Reclassification adjustment for net gains included in net income			(15)	5	(10)
Net unrealized gains on available-for-sale securities			(112)	39	(73)	485	(73)	412
Unrealized holding gains on cash flow hedge derivatives arising
	during period		37	(13)	24
Reclassification adjustment for net gains on cash flow
	hedge derivatives included in net income		(83)	29	(54)
Net unrealized gains on cash flow hedge derivatives			(46)	16	(30)	80	(30)	50
Net actuarial loss arising during the period			(7)	2	(5)
Reclassification of amounts to net periodic benefit costs			20	(7)	13
Defined benefit pension plans, net			13	(5)	8	(95)	8	(87)
Total		$	(145)	50	(95)	470	(95)	375

Reclassification Out of Accumulated Other Comprehensive Income to Net Income

The table below presents reclassifications out of AOCI for the years ended December 31:
		Affected Line Item in the
Components of AOCI: ($ in millions)		Consolidated Statements of Income		2014	2013
Net unrealized gains on available-for-sale securities:(b)
	Net gains (losses) included in net income	Securities gains, net	$	37	(6)
		Income before income taxes		37	(6)
		Applicable income tax expense		(13)	2
		Net income		24	(4)
Net unrealized gains on cash flow hedge derivatives:(b)
	Interest rate contracts related to C&I loans	Interest and fees on loans and leases		44	45
	Interest rate contracts related to long-term debt	Interest on long-term debt		-	(1)
		Income before income taxes		44	44
		Applicable income tax expense		(15)	(15)
		Net income		29	29
Net periodic benefit costs:(b)
	Amortization of net actuarial loss	Employee benefits expense (a)		(7)	(11)
	Settlements	Employee benefits expense (a)		(5)	(5)
		Income before income taxes		(12)	(16)
		Applicable income tax expense		4	6
		Net income		(8)	(10)
Total reclassifications for the period		Net income	$	45	15

• This AOCI component is included in the computation of net periodic benefit cost. Refer to Note 21for information on the computation of net periodic benefit cost.
• Amounts in parentheses indicate reductions to net income.