Goodwill and Other Intangible Assets (Tables)

3 Months Ended

Mar. 31, 2016

Goodwill and Other Intangible Assets Disclosure [Abstract]

Mortgage Servicing Rights

Changes in the commercial and residential MSRs follow:
Table 73: Mortgage Servicing Rights
			Commercial MSRs				Residential MSRs
In millions			2016		2015		2016		2015
January 1		$	526	$	506	$	1,063	$	845
Additions:
	From loans sold with servicing retained		9		14		11		17
	Purchases		3		11		52		83
Changes in fair value due to:
	Time and payoffs (a)		(23)		(21)		(37)		(39)
	Other (b)		(55)		(16)		(226)		(67)
March 31		$	460	$	494	$	863	$	839
Related unpaid principal balance at March 31		$	143,922	$	143,724	$	124,839	$	112,932
Servicing advances at March 31		$	220	$	292	$	383	$	510
(a)	Represents decrease in MSR value due to passage of time, including the impact from both regularly scheduled loan principal payments and loans that were paid down or paid off during the period.
(b)	Represents MSR value changes resulting primarily from market-driven changes in interest rates.

Commercial Mortgage Loan Servicing Assets - Key Valuation Assumptions

Table 74: Commercial Mortgage Loan Servicing Rights - Key Valuation Assumptions
		March 31			December 31
Dollars in millions		2016			2015
Fair value		$	460		$	526
Weighted-average life (years)			4.6			4.7
Weighted-average constant prepayment rate			7.30	%		5.71	%
	Decline in fair value from 10% adverse change	$	10		$	10
	Decline in fair value from 20% adverse change	$	19		$	19
Effective discount rate			7.38	%		7.49	%
	Decline in fair value from 10% adverse change	$	13		$	14
	Decline in fair value from 20% adverse change	$	26		$	29

Residential Mortgage Loan Servicing Assets - Key Valuation Assumptions

Table 75: Residential Mortgage Loan Servicing Rights - Key Valuation Assumptions
		March 31			December 31
Dollars in millions		2016			2015
Fair value		$	863		$	1,063
Weighted-average life (years)			4.8			6.3
Weighted-average constant prepayment rate			15.71	%		10.61	%
	Decline in fair value from 10% adverse change	$	48		$	44
	Decline in fair value from 20% adverse change	$	92		$	85
Weighted-average option adjusted spread			8.82	%		8.93	%
	Decline in fair value from 10% adverse change	$	26		$	34
	Decline in fair value from 20% adverse change	$	51		$	67

Fees from Mortgage Loan Servicing

Table 76: Fees from Mortgage Loan Servicing
In millions	2016		2015
Three months ended March 31	$	129	$	121