Allowances for Loan and Lease Losses and Unfunded Loan Commitments and Letters Of Credit (Tables)

9 Months Ended

Sep. 30, 2014

Allowance For Loan And Lease Losses [Abstract]

Rollforward of Allowance for Loan and Lease Losses and Associated Loan Data

Table 71: Rollforward of Allowance for Loan and Lease Losses and Associated Loan Data
				Commercial			Consumer
In millions				Lending			Lending				Total
September 30, 2014
	Allowance for Loan and Lease Losses
		January 1		$	1,547		$	2,062		$	3,609
		Charge-offs			(286)			(500)			(786)
		Recoveries			230			143			373
			Net charge-offs		(56)			(357)			(413)
		Provision for credit losses			89			132			221
		Net change in allowance for unfunded loan commitments and letters of credit			(9)						(9)
		Other			(2)						(2)
			September 30	$	1,569		$	1,837		$	3,406
		TDRs individually evaluated for impairment		$	26		$	382		$	408
		Other loans individually evaluated for impairment			98						98
		Loans collectively evaluated for impairment			1,349			660			2,009
		Purchased impaired loans			96			795			891
			September 30	$	1,569		$	1,837		$	3,406
	Loan Portfolio
		TDRs individually evaluated for impairment (a)		$	551		$	2,064		$	2,615
		Other loans individually evaluated for impairment			402						402
		Loans collectively evaluated for impairment (b)			122,705			68,966			191,671
		Fair value option loans (c)						1,017			1,017
		Purchased impaired loans			405			4,762			5,167
			September 30	$	124,063		$	76,809		$	200,872
	Portfolio segment ALLL as a percentage of total ALLL				46	%		54	%		100	%
	Ratio of the allowance for loan and lease losses to total loans				1.26	%		2.39	%		1.70	%
September 30, 2013
	Allowance for Loan and Lease Losses
		January 1		$	1,774		$	2,262		$	4,036
		Charge-offs (d)			(493)			(772)			(1,265)
		Recoveries			266			111			377
			Net charge-offs		(227)			(661)			(888)
		Provision for credit losses			53			477			530
		Net change in allowance for unfunded loan commitments and letters of credit			(4)			19			15
		Other			(2)						(2)
			September 30	$	1,594		$	2,097		$	3,691
		TDRs individually evaluated for impairment		$	31		$	479		$	510
		Other loans individually evaluated for impairment			176						176
		Loans collectively evaluated for impairment			1,233			711			1,944
		Purchased impaired loans			154			907			1,061
			September 30	$	1,594		$	2,097		$	3,691
	Loan Portfolio
		TDRs individually evaluated for impairment (a)		$	581		$	2,221		$	2,802
		Other loans individually evaluated for impairment			786						786
		Loans collectively evaluated for impairment (b)			112,286			69,475			181,761
		Fair value option loans (c)						1,109			1,109
		Purchased impaired loans			782			5,616			6,398
			September 30	$	114,435		$	78,421		$	192,856
	Portfolio segment ALLL as a percentage of total ALLL				43	%		57	%		100	%
	Ratio of the allowance for loan and lease losses to total loans				1.39	%		2.67	%		1.91	%
(a)	TDRs individually evaluated for impairment exclude TDRs that were subsequently accounted for as held for sale loans, but continue to be disclosed as TDRs.
(b)	Includes $221 million of loans collectively evaluated for impairment based upon collateral values and written down to the respective collateral value less costs to sell at September,
	30, 2014. Accordingly, there is no allowance recorded for these loans. The comparative amount as of September 30, 2013 was $274 million.
(c)	Loans accounted for under the fair value option are not evaluated for impairment as these loans are accounted for at fair value, accordingly there is no allowance recorded on these loans.
(d)	Pursuant to alignment with interagency guidance on practices for loans and lines of credit related to consumer lending in the first quarter of 2013, additional charge-offs of $134 million were taken.

Rollforward of Allowance for Unfunded Loan Commitments and Letters of Credit

Table 72: Rollforward of Allowance for Unfunded Loan Commitments and Letters of Credit
In millions		2014		2013
January 1	$	242	$	250
Net change in allowance for unfunded loan commitments and letters of credit		9		(15)
September 30	$	251	$	235