Asset Quality (Tables)

9 Months Ended

Sep. 30, 2014

Table 58: Analysis of Loan Portfolio (a)

			Accruing
				Current or Less									90 Days											Fair Value Option
				Than 30 Days		30-59 Days			60-89 Days				Or More				Total Past			Nonperforming				Nonaccrual				Purchased				Total
Dollars in millions				Past Due		Past Due			Past Due				Past Due				Due (b)			Loans				Loans (c)				Impaired				Loans
September 30, 2014
	Commercial		$	92,994		$	46			$	19			$	39		$	104			$	320						$	82		$	93,500
	Commercial real estate			22,170			47				6				1			54				395							323			22,942
	Equipment lease financing			7,613			4				1							5				3										7,621
	Home equity			31,808			67				25							92				1,090							2,065			35,055
	Residential real estate (d)			9,614			163				65				809			1,037				743			$	260			2,697			14,351
	Credit card			4,372			27				18				29			74				3										4,449
	Other consumer (e)			22,256			220				120				300			640				58										22,954
		Total	$	190,827		$	574			$	254			$	1,178		$	2,006			$	2,612			$	260		$	5,167		$	200,872
	Percentage of total loans			94.99	%		.29	%			.13	%			.59	%		1.01	%			1.30	%			.13	%		2.57	%		100.00	%
December 31, 2013
	Commercial		$	87,621		$	81			$	20			$	42		$	143			$	457						$	157		$	88,378
	Commercial real estate			20,090			54				11				2			67				518							516			21,191
	Equipment lease financing			7,538			31				2							33				5										7,576
	Home equity			32,877			86				34							120				1,139							2,311			36,447
	Residential real estate (d)			9,311			217				87				1,060			1,364				904			$	365			3,121			15,065
	Credit card			4,339			29				19				34			82				4										4,425
	Other consumer (e)			21,788			216				112				353			681				61							1			22,531
		Total	$	183,564		$	714			$	285			$	1,491		$	2,490			$	3,088			$	365		$	6,106		$	195,613
	Percentage of total loans			93.83	%		.37	%			.15	%			.76	%		1.28	%			1.58	%			.19	%		3.12	%		100.00	%
(a)		Amounts in table represent recorded investment and exclude loans held for sale.
(b)		Past due loan amounts exclude purchased impaired loans, even if contractually past due (or if we do not expect to receive payment in full based on the original contractual terms), as we are currently accreting interest income over the expected life of the loans.
(c)		Consumer loans accounted for under the fair value option for which we do not expect to collect substantially all principal and interest are subject to nonaccrual accounting and classification upon meeting any of our nonaccrual policies. Given that these loans are not accounted for at amortized cost, these loans have been excluded from the nonperforming loan population.
(d)		Past due loan amounts at September 30, 2014 include government insured or guaranteed Residential real estate mortgages totaling $76 million for 30 to 59 days past due, $41 million for 60 to 89 days past due and $785 million for 90 days or more past due. Past due loan amounts at December 31, 2013 include government insured or guaranteed Residential real estate mortgages totaling $105 million for 30 to 59 days past due, $57 million for 60 to 89 days past due and $1,025 million for 90 days or more past due.
(e)		Past due loan amounts at September 30, 2014 include government insured or guaranteed Other consumer loans totaling $164 million for 30 to 59 days past due, $100 million for 60 to 89 days past due and $287 million for 90 days or more past due. Past due loan amounts at December 31, 2013 include government insured or guaranteed Other consumer loans totaling $154 million for 30 to 59 days past due, $94 million for 60 to 89 days past due and $339 million for 90 days or more past due.

Nonperforming Assets

Table 59: Nonperforming Assets

				September 30			December 31
Dollars in millions					2014			2013
Nonperforming loans
	Commercial lending
		Commercial		$	320		$	457
		Commercial real estate			395			518
		Equipment lease financing			3			5
			Total commercial lending		718			980
	Consumer lending (a)
		Home equity			1,090			1,139
		Residential real estate			743			904
		Credit card			3			4
		Other consumer			58			61
			Total consumer lending		1,894			2,108
Total nonperforming loans (b)					2,612			3,088
OREO and foreclosed assets
	Other real estate owned (OREO) (c)				353			360
	Foreclosed and other assets				10			9
			Total OREO and foreclosed assets		363			369
Total nonperforming assets				$	2,975		$	3,457
Nonperforming loans to total loans					1.30	%		1.58	%
Nonperforming assets to total loans, OREO and foreclosed assets					1.48			1.76
Nonperforming assets to total assets					.89			1.08
(a)	Excludes most consumer loans and lines of credit, not secured by residential real estate, which are charged off after 120 to 180 days past due and are not placed on nonperforming status.
(b)	Nonperforming loans exclude certain government insured or guaranteed loans, loans held for sale, loans accounted for under the fair value option and purchased impaired loans.
(c)	OREO excludes $214 million and $245 million at September 30, 2014 and December 31, 2013, respectively, related to commercial and residential real estate that was acquired by us upon foreclosure of serviced loans because they are insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA) or guaranteed by the Department of Housing and Urban Development (HUD).

Commercial Lending Asset Quality Indicators

Table 60: Commercial Lending Asset Quality Indicators (a)(b)
					Criticized Commercial Loans
				Pass	Special									Total
In millions				Rated	Mention (c)		Substandard (d)			Doubtful (e)				Loans
September 30, 2014
	Commercial		$	88,809	$	2,133		$	2,421		$	55	$	93,418
	Commercial real estate			21,626		183			770			40		22,619
	Equipment lease financing			7,436		70			113			2		7,621
	Purchased impaired loans					4			363			38		405
		Total commercial lending	$	117,871	$	2,390		$	3,667		$	135	$	124,063
December 31, 2013
	Commercial		$	83,903	$	1,894		$	2,352		$	72	$	88,221
	Commercial real estate			19,175		301			1,113			86		20,675
	Equipment lease financing			7,403		77			93			3		7,576
	Purchased impaired loans			10		31			469			163		673
		Total commercial lending	$	110,491	$	2,303		$	4,027		$	324	$	117,145
(a)	Based upon PDs and LGDs. We apply a split rating classification to certain loans meeting threshold criteria. By assigning a split classification, a loan's exposure amount may be split into more than one classification category in the above table.
(b)	Loans are included above based on the Regulatory Classification definitions of "Pass", "Special Mention", "Substandard" and "Doubtful".
(c)	Special Mention rated loans have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration
	of repayment prospects at some future date. These loans do not expose us to sufficient risk to warrant a more adverse classification at this time.
(d)	Substandard rated loans have a well-defined weakness or weaknesses that jeopardize the collection or liquidation of debt. They are characterized by the distinct possibility
	that we will sustain some loss if the deficiencies are not corrected.
(e)	Doubtful rated loans possess all the inherent weaknesses of a Substandard loan with the additional characteristics that the weakness makes collection or liquidation in full
	improbable due to existing facts, conditions, and values.

Home Equity and Residential Real Estate Balances

Table 61: Home Equity and Residential Real Estate Balances

			September 30			December 31
In millions				2014		2013
	Home equity and residential real estate loans - excluding purchased impaired loans (a)		$	43,382	$	44,376
	Home equity and residential real estate loans - purchased impaired loans (b)			4,795		5,548
	Government insured or guaranteed residential real estate mortgages (a)			1,262		1,704
	Purchase accounting adjustments - purchased impaired loans			(33)		(116)
		Total home equity and residential real estate loans (a)	$	49,406	$	51,512
(a)	Represents recorded investment.
(b)	Represents outstanding balance.

Home Equity and Residential Real Estate Asset Quality Indicators

Table 62: Home Equity and Residential Real Estate Asset Quality Indicators – Excluding Purchased Impaired Loans (a) (b)

			Home Equity				Residential Real Estate
September 30, 2014 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (c)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	373	$	1,564	$	420	$	2,357
		Less than or equal to 660 (d) (e)		61		309		111		481
		Missing FICO		2		10		8		20

	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		894		2,369		837		4,100
		Less than or equal to 660 (d) (e)		123		411		181		715
		Missing FICO		3		5		14		22

	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		946		1,790		821		3,557
		Less than or equal to 660		109		273		116		498
		Missing FICO		1		3		8		12

	Less than 90% and updated FICO scores:
		Greater than 660		13,704		7,738		7,175		28,617
		Less than or equal to 660		1,298		964		585		2,847
		Missing FICO		26		14		115		155

	Missing LTV and updated FICO scores:
		Greater than 660						1		1
Total home equity and residential real estate loans			$	17,540	$	15,450	$	10,392	$	43,382

			Home Equity				Residential Real Estate
December 31, 2013 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (c)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	438	$	1,914	$	563	$	2,915
		Less than or equal to 660 (d) (e)		74		399		185		658
		Missing FICO		1		11		20		32

	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		987		2,794		1,005		4,786
		Less than or equal to 660 (d) (e)		150		501		210		861
		Missing FICO		2		5		32		39

	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		1,047		1,916		844		3,807
		Less than or equal to 660		134		298		131		563
		Missing FICO		2		3		22		27

	Less than 90% and updated FICO scores:
		Greater than 660		13,445		7,615		6,309		27,369
		Less than or equal to 660		1,349		1,009		662		3,020
		Missing FICO		25		17		256		298

	Missing LTV and updated FICO scores:
		Greater than 660						1		1
Total home equity and residential real estate loans			$	17,654	$	16,482	$	10,240	$	44,376
(a)	Excludes purchased impaired loans of approximately $4.8 billion and $5.4 billion in recorded investment, certain government insured or guaranteed residential real estate mortgages of approximately $1.3 billion and $1.7 billion, and loans held for sale at September 30, 2014 and December 31, 2013, respectively. See the Home Equity and Residential Real Estate Asset Quality Indicators - Purchased Impaired Loans table below for additional information on purchased impaired loans.
(b)	Amounts shown represent recorded investment.
(c)	Based upon updated LTV (inclusive of combined loan-to-value (CLTV) for first and subordinate lien positions). Updated LTV is estimated using modeled property values. These ratios are updated at least semi-annually. The related estimates and inputs are based upon an approach that uses a combination of third-party automated valuation models (AVMs), broker price opinions (BPOs), HPI indices, property location, internal and external balance information, origination data and management assumptions. In cases where we are in an originated second lien position, we generally utilize origination balances provided by a third-party which do not include an amortization assumption when calculating updated LTV. Accordingly, the results of these calculations do not represent actual appraised loan level collateral or updated LTV based upon a current first lien balance, and as such, are necessarily imprecise and subject to change as we enhance our methodology.
(d)	Higher risk loans are defined as loans with both an updated FICO score of less than or equal to 660 and an updated LTV greater than or equal to 100%.
(e)	The following states had the highest percentage of higher risk loans at September 30, 2014: New Jersey 14%, Pennsylvania 12%, Illinois 12%, Ohio 11%, Florida 9%, Maryland 5%, Michigan 5% and California 4%. The remainder of the states had lower than 4% of the higher risk loans individually, and collectively they represent approximately 28% of the higher risk loans. The following states had the highest percentage of higher risk loans at December 31, 2013: New Jersey 13%, Illinois 12%, Pennsylvania 12%, Ohio 11%, Florida 9%, Maryland 5%, Michigan 5%, and California 4%. The remainder of the states had lower than 4% of the high risk loans individually, and collectively they represent approximately 29% of the higher risk loans.

Table 63: Home Equity and Residential Real Estate Asset Quality Indicators – Purchased Impaired Loans (a)

			Home Equity (b) (c)				Residential Real Estate (b) (c)
September 30, 2014 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (d)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	9	$	309	$	311	$	629
		Less than or equal to 660		8		150		176		334
		Missing FICO				8		6		14

	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		16		472		306		794
		Less than or equal to 660		15		211		227		453
		Missing FICO				12		7		19

	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		14		206		185		405
		Less than or equal to 660		9		94		130		233
		Missing FICO				6		5		11

	Less than 90% and updated FICO scores:
		Greater than 660		102		291		616		1,009
		Less than or equal to 660		111		182		531		824
		Missing FICO		1		11		20		32

	Missing LTV and updated FICO scores:
		Greater than 660		2				14		16
		Less than or equal to 660		4				15		19
		Missing FICO		1				2		3
Total home equity and residential real estate loans			$	292	$	1,952	$	2,551	$	4,795

			Home Equity (b) (c )				Residential Real Estate (b) (c)
December 31, 2013 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (d)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	13	$	435	$	361	$	809
		Less than or equal to 660		15		215		296		526
		Missing FICO				12		24		36

	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		21		516		373		910
		Less than or equal to 660		15		239		281		535
		Missing FICO				14		14		28

	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		15		202		197		414
		Less than or equal to 660		12		101		163		276
		Missing FICO				7		6		13

	Less than 90% and updated FICO scores:
		Greater than 660		93		261		646		1,000
		Less than or equal to 660		126		198		590		914
		Missing FICO		1		11		47		59

	Missing LTV and updated FICO scores:
		Greater than 660		1				11		12
		Less than or equal to 660						13		13
		Missing FICO						3		3
Total home equity and residential real estate loans			$	312	$	2,211	$	3,025	$	5,548
(a)	Amounts shown represent outstanding balance. See Note 5 Purchased Loans for additional information.
(b)	For the estimate of cash flows utilized in our purchased impaired loan accounting, other assumptions and estimates are made, including amortization of first lien balances, pre-payment rates, etc., which are not reflected in this table.
(c)	The following states had the highest percentage of purchased impaired loans at September 30, 2014: California 17%, Florida 15%, Illinois 11%, Ohio 8%, North Carolina 7%, and Michigan 5%. The remainder of the states had lower than a 4% concentration of purchased impaired loans individually, and collectively they represent approximately 37% of the purchased impaired portfolio. The following states had the highest percentage of purchased impaired loans at December 31, 2013: California 17%, Florida 16%, Illinois 11%, Ohio 8%, North Carolina 8% and Michigan 5%. The remainder of the states had lower than a 4% concentration of purchased impaired loans individually, and collectively they represent approximately 35% of the purchased impaired portfolio.
(d)	Based upon updated LTV (inclusive of combined loan-to-value (CLTV) for first and subordinate lien positions). Updated LTV is estimated using modeled property values. These ratios are updated at least semi-annually. The related estimates and inputs are based upon an approach that uses a combination of third-party automated valuation models (AVMs), broker price opinions (BPOs), HPI indices, property location, internal and external balance information, origination data and management assumptions. In cases where we are in an originated second lien position, we generally utilize origination balances provided by a third-party which do not include an amortization assumption when calculating updated LTV. Accordingly, the results of these calculations do not represent actual appraised loan level collateral or updated LTV based upon a current first lien balance, and as such, are necessarily imprecise and subject to change as we enhance our methodology.

Credit Card and Other Consumer Loan Classes Asset Quality Indicators

Table 64: Credit Card and Other Consumer Loan Classes Asset Quality Indicators

		Credit Card (a)				Other Consumer (b)
				% of Total Loans				% of Total Loans
				Using FICO				Using FICO
Dollars in millions			Amount	Credit Metric			Amount	Credit Metric
September 30, 2014
	FICO score greater than 719	$	2,585	58	%	$	9,182	64	%
	650 to 719		1,262	29			3,462	24
	620 to 649		197	4			520	4
	Less than 620		228	5			603	4
	No FICO score available or required (c)		177	4			522	4
Total loans using FICO credit metric			4,449	100	%		14,289	100	%
	Consumer loans using other internal credit metrics (b)						8,665
Total loan balance		$	4,449			$	22,954
Weighted-average updated FICO score (d)				731				744
December 31, 2013 (e)
	FICO score greater than 719	$	2,546	58	%	$	8,596	63	%
	650 to 719		1,253	28			3,511	26
	620 to 649		203	4			527	4
	Less than 620		258	6			628	4
	No FICO score available or required (c)		165	4			474	3
Total loans using FICO credit metric			4,425	100	%		13,736	100	%
	Consumer loans using other internal credit metrics (b)						8,795
Total loan balance		$	4,425			$	22,531
Weighted-average updated FICO score (d)				730				741
(a)	At September 30, 2014, we had $30 million of credit card loans that are higher risk (i.e., loans with both updated FICO scores less than 660 and in late stage (90+ days)
	delinquency status). The majority of the September 30, 2014 balance related to higher risk credit card loans is geographically distributed throughout the following areas:
	Ohio 18%, Pennsylvania 17%, Michigan 9%, New Jersey 8%, Illinois 7%, Indiana 7%, Florida 5%, Kentucky 4% and North Carolina 4%. All other states had less than 4% individually and
	make up the remainder of the balance. At December 31, 2013, we had $35 million of credit card loans that are higher risk. The majority of the December 31,
	2013 balance related to higher risk credit card loans is geographically distributed throughout the following areas: Ohio 18%, Pennsylvania 17%, Michigan 11%, Illinois 7%,
	New Jersey 7%, Indiana 6%, Florida 6% and Kentucky 4%. All other states had less than 4% individually and make up the remainder of the balance.
(b)	Other consumer loans for which updated FICO scores are used as an asset quality indicator include non-government guaranteed or insured education loans, automobile
	loans and other secured and unsecured lines and loans. Other consumer loans for which other internal credit metrics are used as an asset quality indicator include primarily
	government guaranteed or insured education loans, as well as consumer loans to high net worth individuals. Other internal credit metrics may include delinquency status,
	geography or other factors.
(c)	Credit card loans and other consumer loans with no FICO score available or required generally refers to new accounts issued to borrowers with limited credit history, accounts for
	which we cannot obtain an updated FICO (e.g., recent profile changes), cards issued with a business name, and/or cards secured by collateral. Management proactively
	assesses the risk and size of this loan portfolio and, when necessary, takes actions to mitigate the credit risk.
(d)	Weighted-average updated FICO score excludes accounts with no FICO score available or required.
(e)	In the second quarter of 2014, we corrected our credit card FICO score determination process by further refining the data which impacted FICO scores greater than 719, 650 to 719, 620 to 649, less than 620 and no FICO score available. This resulted in a reclass in the prior period of $242 million from "No FICO score available or required" to the other line items. The majority of the reclass went to the "FICO score greater than 719" category.

Summary of Troubled Debt Restructurings

Table 65: Summary of Troubled Debt Restructurings

			Sept. 30		December 31
In millions			2014		2013
Total consumer lending		$	2,064	$	2,161
Total commercial lending			552		578
	Total TDRs	$	2,616	$	2,739
Nonperforming		$	1,303	$	1,511
Accruing (a)			1,174		1,062
Credit card			139		166
	Total TDRs	$	2,616	$	2,739
(a)	Accruing loans have demonstrated a period of at least six months of performance under the restructured terms and are excluded from nonperforming loans. Loans where borrowers have been discharged from personal liability through Chapter 7 bankruptcy and have not formally reaffirmed their loan obligations to PNC are not returned to accrual status.

Financial Impact and TDRs by Concession Type

Table 66: Financial Impact and TDRs by Concession Type (a)

				Pre-TDR		Post-TDR Recorded Investment (c)
During the three months ended September 30, 2014		Number		Recorded			Principal		Rate
Dollars in millions		of Loans		Investment (b)			Forgiveness		Reduction		Other		Total
Commercial lending
	Commercial		35	$	39		$	2	$	8	$	14	$	24
	Commercial real estate		19		63			2		1		54		57
Total commercial lending (d)			54		102			4		9		68		81
Consumer lending
	Home equity		942		66					12		52		64
	Residential real estate		159		18					8		8		16
	Credit card		1,860		15					15				15
	Other consumer		307		5							4		4
Total consumer lending			3,268		104					35		64		99
	Total TDRs		3,322	$	206		$	4	$	44	$	132	$	180
During the three months ended September 30, 2013
Dollars in millions
Commercial lending
	Commercial		51	$	60		$	6	$	2	$	46	$	54
	Commercial real estate		24		43			4		1		24		29
Total commercial lending (d)			75		103			10		3		70		83
Consumer lending
	Home equity		963		59					26		30		56
	Residential real estate		186		26					11		16		27
	Credit card		2,235		17					17				17
	Other consumer		253		4							3		3
Total consumer lending			3,637		106					54		49		103
	Total TDRs		3,712	$	209		$	10	$	57	$	119	$	186

(a)	Impact of partial charge-offs at TDR date are included in this table.
(b)	Represents the recorded investment of the loans as of the quarter end immediately preceding TDR designation, and excludes immaterial amounts of accrued interest receivable.
(c)	Represents the recorded investment of the TDRs as of the quarter end and immediately following the TDR designation, and excludes immaterial amounts of accrued interest receivable.
(d)	During the three months ended September 30, 2014 and 2013, there were no loans classified as TDRs in the Equipment lease financing loan class.

Table 66: Financial Impact and TDRs by Concession Type (Continued) (a)

				Pre-TDR		Post-TDR Recorded Investment (c)
During the nine months ended September 30, 2014		Number		Recorded			Principal		Rate
Dollars in millions		of Loans		Investment (b)			Forgiveness		Reduction		Other		Total
Commercial lending
	Commercial		98	$	128		$	5	$	12	$	92	$	109
	Commercial real estate		65		144			21		5		97		123
Total commercial lending (d)			163		272			26		17		189		232
Consumer lending
	Home equity		2,334		158					41		108		149
	Residential real estate		439		58					21		35		56
	Credit card		5,226		43					41				41
	Other consumer		794		13							10		10
Total consumer lending			8,793		272					103		153		256
	Total TDRs		8,956	$	544		$	26	$	120	$	342	$	488
During the nine months ended September 30, 2013
Dollars in millions
Commercial lending
	Commercial		130	$	163		$	9	$	18	$	99	$	126
	Commercial real estate		94		235			16		43		125		184
	Equipment lease financing		1		3
Total commercial lending			225		401			25		61		224		310
Consumer lending
	Home equity		3,086		219					108		91		199
	Residential real estate		773		105					30		74		104
	Credit card		6,660		50					1		18		19
	Other consumer		1,171		19					1		16		17
Total consumer lending			11,690		393					140		199		339
	Total TDRs		11,915	$	794		$	25	$	201	$	423	$	649
(a)	Impact of partial charge-offs at TDR date are included in this table.
(b)	Represents the recorded investment of the loans as of the quarter end immediately preceding TDR designation, and excludes immaterial amounts of accrued interest receivable.
(c)	Represents the recorded investment of the TDRs as of the quarter end and immediately following the TDR designation, and excludes immaterial amounts of accrued interest receivable.
(d)	During the nine months ended September 30, 2014, there were no loans classified as TDRs in the Equipment lease financing loan class.

TDRs that were Modified in the Past Twelve Months which have Subsequently Defaulted

Table 67: TDRs that were Modified in the Past Twelve Months which have Subsequently Defaulted

During the three months ended September 30, 2014
Dollars in millions		Number of Contracts		Recorded Investment
Commercial lending
	Commercial		1	$	1
	Commercial real estate		13		14
Total commercial lending (a)			14		15
Consumer lending
	Home equity		99		4
	Residential real estate		52		6
	Credit card		1,665		14
	Other consumer		31
Total consumer lending			1,847		24
	Total TDRs		1,861	$	39
During the three months ended September 30, 2013
Dollars in millions		Number of Contracts		Recorded Investment
Commercial lending
	Commercial		20	$	12
	Commercial real estate		10		8
Total commercial lending (a)			30		20
Consumer lending (b)
	Home equity		155		9
	Residential real estate		58		10
	Credit card		1,099		9
	Other consumer		79		1
Total consumer lending			1,391		29
	Total TDRs		1,421	$	49
(a)	During the three months ended September 30, 2014 and 2013, there were no loans classified as TDRs in the Equipment lease financing loan class that have subsequently defaulted.
(b)	In the second quarter of 2014, we corrected our Consumer lending subsequent default (excluding credit card) determination process by further refining the data. For the three months ended September 30, 2013, this correction removed 506 contracts for approximately $42 million from Total consumer lending (excluding credit card).

Table 67: TDRs that were Modified in the Past Twelve Months which have Subsequently Defaulted (Continued)

During the nine months ended September 30, 2014
Dollars in millions		Number of Contracts		Recorded Investment
Commercial lending
	Commercial		34	$	23
	Commercial real estate		34		45
Total commercial lending (a)			68		68
Consumer lending (b)
	Home equity		315		17
	Residential real estate		128		20
	Credit card		2,393		19
	Other consumer		110		1
Total consumer lending			2,946		57
	Total TDRs		3,014	$	125
During the nine months ended September 30, 2013
Dollars in millions		Number of Contracts		Recorded Investment
Commercial lending
	Commercial		46	$	30
	Commercial real estate		28		40
Total commercial lending (a)			74		70
Consumer lending (b)
	Home equity		455		30
	Residential real estate		189		26
	Credit card		3,275		24
	Other consumer		171		3
Total consumer lending			4,090		83
	Total TDRs		4,164	$	153
(a)	During the nine months ended September 30, 2014 and 2013, there were no loans classified as TDRs in the Equipment lease financing loan class that have subsequently defaulted.
(b)	In the second quarter of 2014, we corrected our Consumer lending subsequent default (excluding credit card) determination process by further refining the data. For the nine months ended September 30, 2013, this correction removed 989 contracts for approximately $91 million from Total consumer lending (excluding credit card).

Impaired Loans

Table 68: Impaired Loans

			Unpaid							Average
			Principal		Recorded		Associated			Recorded
In millions			Balance		Investment (a)		Allowance (b)			Investment (a)
September 30, 2014
	Impaired loans with an associated allowance
		Commercial	$	424	$	305		$	64	$	371
		Commercial real estate		366		242			60		289
		Home equity		1,016		989			287		987
		Residential real estate		506		400			63		422
		Credit card		139		139			30		152
		Other consumer		65		48			2		52
	Total impaired loans with an associated allowance		$	2,516	$	2,123		$	506	$	2,273
	Impaired loans without an associated allowance
		Commercial	$	171	$	132		$		$	145
		Commercial real estate		376		275					298
		Home equity		389		137					131
		Residential real estate		380		351					377
	Total impaired loans without an associated allowance		$	1,316	$	895		$		$	951
	Total impaired loans		$	3,832	$	3,018		$	506	$	3,224
December 31, 2013
	Impaired loans with an associated allowance
		Commercial	$	549	$	400		$	90	$	442
		Commercial real estate		517		349			89		478
		Home equity		999		992			334		900
		Residential real estate		573		436			74		645
		Credit card		166		166			36		189
		Other consumer		71		57			2		68
	Total impaired loans with an associated allowance		$	2,875	$	2,400		$	625	$	2,722
	Impaired loans without an associated allowance
		Commercial	$	309	$	163		$		$	161
		Commercial real estate		421		315					354
		Home equity		366		124					166
		Residential real estate		415		386					267
	Total impaired loans without an associated allowance		$	1,511	$	988		$		$	948
	Total impaired loans		$	4,386	$	3,388		$	625	$	3,670
(a)	Recorded investment in a loan includes the unpaid principal balance plus accrued interest and net accounting adjustments, less any charge-offs. Recorded investment does not
	include any associated valuation allowance. Average recorded investment is for the nine months ended September 30, 2014 and the year ended December 31, 2013, respectively.
(b)	Associated allowance amounts include $.4 billion and $.5 billion for TDRs at September 30, 2014 and December 31, 2013, respectively.