CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS Unaudited - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2016		Sep. 30, 2015
Operating Activities
Net income	$ 1,171		$ 1,050
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (benefit from) loan and lease losses	289		305
Depreciation, amortization and accretion	341		333
Stock-based compensation expense	86		78
Provision for (benefit from) deferred income taxes	27		(13)
Securities gains, net	(12)		(5)
Provision for MSR impairment	125		38
Net gains on sales of loans and fair value adjustments on loans held for sale	(79)		(91)
Net losses on disposition and impairment of bank premises and equipment	(14)		(102)
Gain on sale of certain retail branch operations	(19)		0
Net losses on disposition and impairment of operating lease equipment	(9)		(36)
Gain on the TRA associated with Vantiv, Inc.	(164)		0
Proceeds from sales of loans held for sale	4,633		3,816
Loans originated for sale, net of repayments	(5,001)		(3,945)
Dividends representing return on equity method investments	21		19
Net change in:
Trading securities	(42)		(21)
Other assets	192		86
Accrued taxes, interest and expenses	(343)		(81)
Other liabilities	(48)		(190)
Net Cash Provided by (Used in) Operating Activities	1,200		1,517
Proceeds from sales:
Available-for-sale securities	14,691		11,692
Loans	214		718
Bank premises and equipment	72		25
Proceeds from repayments / maturities:
Available-for-sale securities	2,487		2,263
Held-to-maturity securities	13		30
Purchases:
Available-for-sale securities	(17,884)		(20,573)
Bank premises and equipment	(148)		(118)
Proceeds from sale and dividends representing return of equity method investments	49		35
Net cash paid on sale of certain retail branch operations	(219)		0
Net change in:
Other short-term investments	(324)		5,920
Loans and leases	(1,022)		(4,121)
Operating lease equipment	(136)		(41)
Net Cash (Used in) Provided by Investing Activities	(2,207)		(4,170)
Net change in:
Deposits	(1,404)		(819)
Federal funds purchased	(25)		(12)
Other short-term borrowings	1,987		3,348
Dividends paid on common stock	(303)		(319)
Dividends paid on preferred stock	(52)		(52)
Proceeds from issuance of long-term debt	3,735		2,342
Repayment of long-term debt	(2,777)		(1,809)
Repurchase of treasury stock and related forward contract	506		635
Other	(24)		(27)
Net Cash Provided by (Used in) Financing Activities	631		2,017
Increase (Decrease) in Cash and Due from Banks	(376)		(636)
Cash and Due from Banks at Beginning of Period	2,540	[1]	3,091
Cash and Due from Banks at End of Period	$ 2,164	[1]	$ 2,455

[1] Includes $ 112 and $ 152 of cash and due from banks, $ 1,560 and $ 2,537 of portfolio loans and leases , $ (28) and $ (28) of ALLL, $ 11 and $ 14 of other assets, $ 3 and $ 3 of other liabilities , and $ 1,422 and $ 2,487 of long-term debt from consolidated VIEs that are included in their respective captions above at September 30, 2016 and December 31, 2015 , respectively. For further information refer to Note 10 .