Purchased Loans (Tables)

6 Months Ended

Jun. 30, 2013

Accounting for Acquired Loans Disclosure

Purchased Impaired Loans - Balances

Table 76: Purchased Impaired Loans - Balances
			June 30, 2013				December 31, 2012
In millions		Recorded Investment		Outstanding Balance		Recorded Investment		Outstanding Balance
Commercial lending
	Commercial	$	231	$	391	$	308	$	524
	Commercial real estate		737		908		941		1,156
Total commercial lending			968		1,299		1,249		1,680
Consumer lending
	Consumer		2,474		2,754		2,621		2,988
	Residential real estate		3,336		3,341		3,536		3,651
Total consumer lending			5,810		6,095		6,157		6,639
	Total	$	6,778	$	7,394	$	7,406	$	8,319

Purchased Impaired Loans - Accretable Yield

Activity for the accretable yield for the first six months of 2013 follows:
Table 77: Purchased Impaired Loans - Accretable Yield
In millions		2013
January 1		$	2,166
Accretion (including excess cash recoveries)			(368)
Net reclassifications to accretable from non-accretable (a)			379
Disposals			(13)
June 30		$	2,164
(a)	Approximately 58% of the net reclassifications were driven by the consumer portfolio and were due to improvements of cash expected to be collected on both RBC Bank (USA) and National City loans in future periods. The remaining net reclassifications were predominantly due to future cash flow changes in the commercial portfolio.