CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS Unaudited - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2017		Mar. 31, 2016
Operating Activities
Net income	$ 305		$ 326	[1],[2]
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (benefit from) loan and lease losses	74		119	[2]
Depreciation, amortization and accretion	89		110	[3]
Stock-based compensation expense	45		26	[3]
Provision for (benefit from) deferred income taxes	(11)		9	[3]
Securities gains, net	(1)		(1)	[3]
MSR Fair Value Adjustment	23		0	[3]
Provision for MSR impairment	0		85	[3]
Net gains on sales of loans and fair value adjustments on loans held for sale	(34)		(15)	[3]
Net losses (gains) on disposition and impairment of bank premises and equipment	(1)		1	[3]
Gain on sales of certain retail branch operations	0		(8)	[3]
Net losses on disposition and impairment of operating lease equipment	(20)		0	[3]
Proceeds from sales of loans held for sale	1,627		1,133	[3]
Loans originated for sale, net of repayments	(1,483)		(1,180)	[3]
Dividends representing return on equity method investments	9		2	[3]
Net change in:
Trading securities	(277)		(20)	[3]
Other assets	115		345	[3]
Accrued taxes, interest and expenses	(142)		(421)	[3]
Other liabilities	176		(114)	[3]
Net Cash Provided by (Used in) Operating Activities	536		395	[3]
Proceeds from sales:
Available-for-sale securities	2,191		2,677	[3]
Loans	21		7	[3]
Bank premises and equipment	6		15	[3]
Proceeds from repayments / maturities:
Available-for-sale securities	604		531	[3]
Held-to-maturity securities	0		6	[3]
Purchases:
Available-for-sale securities	(2,975)		(4,069)	[3]
Bank premises and equipment	(52)		(41)	[3]
MSRs	(29)		0
Proceeds from sale and dividends representing return of equity method investments	69		9	[3]
Net cash paid on sales of certain retail branch operations	0		(43)	[3]
Net change in:
Other short-term investments	1,110		893	[3]
Loans and leases	368		(1,119)	[3]
Operating lease equipment	(6)		(50)	[3]
Net Cash Provided by (Used in) Investing Activities	1,307		(1,184)	[3]
Net change in:
Deposits	335		(502)	[3]
Federal funds purchased	23		(17)	[3]
Other short-term borrowings	(1,520)		2,016	[3]
Dividends paid on common stock	(106)		(102)	[3]
Dividends paid on preferred stock	(38)		(15)	[3]
Proceeds from issuance of long-term debt	0		1,494	[3]
Repayment of long-term debt	(714)		(2,088)	[3]
Repurchase of treasury stock and related forward contract	0		240	[3]
Other	(10)		1	[3]
Net Cash Provided by (Used in) Financing Activities	(2,030)		547	[3]
Increase (Decrease) in Cash and Due from Banks	(187)		(242)	[3]
Cash and Due from Banks at Beginning of Period	2,392	[4]	2,540
Cash and Due from Banks at End of Period	$ 2,205	[4]	$ 2,298

[1] A net tax deficiency of $1 million was reclassified from capital surplus to applicable income tax expense at March 31, 2016, related to the early adop tion of ASU 2016-09 during the fourth quarter of 2016, with an effective date of January 1, 2016.

[2] A net tax deficiency of $ 1 million was reclassified from capital surplus to applicable income tax expense and average common shares outstanding – diluted were adjusted at March 31, 2016, related to the early adoption of ASU 2016-09 during the fourth quarter of 2016, with an effective date of January 1, 2016.

[3] A net tax deficiency of $ 1 million was reclassified from capital surplus to applicable income tax expense at March 31, 2016, related to the early adoption of ASU 2016-09 during the fourth quarter of 2016, with an effective date of January 1, 2016.

[4] Includes $ 85 and $ 85 of cash and due from banks, $ 1,015 and $ 1,216 of portfolio loans and leases , $ (25) and $ (26) of ALLL, $ 7 and $ 9 of other assets, $ 2 and $ 3 of other liabilities , and $ 883 and $ 1,094 of long-term debt from consolidated VIEs that are included in their respective captions above at March 31, 2017 and December 31, 2016 , respectively. For further information refer to Note 10 .