Commitments (Tables)

6 Months Ended

Jun. 30, 2019

Commitments and Guarantees [Abstract]

Commitments to Extend Credit and Other Commitments

Table 70: Commitments to Extend Credit and Other Commitments

In millions	June 30 2019		December 31 2018
Commitments to extend credit
Total commercial lending	$	126,742	$	120,165
Home equity lines of credit	17,075		16,944
Credit card	28,964		27,100
Other	6,071		5,069
Total commitments to extend credit	178,852		169,278
Net outstanding standby letters of credit (a)	9,319		8,655
Reinsurance agreements (b)	1,464		1,549
Standby bond purchase agreements (c)	1,245		1,000
Other commitments (d)	1,019		1,130
Total commitments to extend credit and other commitments	$	191,899	$	181,612

(a) Net outstanding standby letters of credit include $3.8 billion and $3.7 billion at June 30, 2019 and December 31, 2018, respectively, which support remarketing programs.

(b) Represents aggregate maximum exposure up to the specified limits of the reinsurance contracts provided by our wholly-owned captive insurance subsidiary. These amounts reflect estimates based on availability of financial information from insurance carriers. As of both June 30, 2019 and December 31, 2018, the aggregate maximum exposure amount comprised $1.3 billion for accidental death & dismemberment contracts and $.2 billion for credit life, accident and health contracts.

(c) We enter into standby bond purchase agreements to support municipal bond obligations.

(d)

Includes $.5 billion related to investments in qualified affordable housing projects at both June 30, 2019 and December 31, 2018.