Commitments And Guarantees (Tables)

9 Months Ended

Sep. 30, 2016

Commitments and Guarantees [Abstract]

Commitments to Extend Credit and Other Commitments

Table 85: Commitments to Extend Credit and Other Commitments
			September 30		December 31
In millions			2016		2015
Commitments to extend credit
	Total commercial lending		$	104,124	$	101,252
	Home equity lines of credit			17,316		17,268
	Credit card			21,907		19,937
	Other			4,493		4,032
Total commitments to extend credit				147,840		142,489
Net outstanding standby letters of credit (a)				8,760		8,765
Reinsurance agreements (b)				1,880		2,010
Standby bond purchase agreements (c)				868		911
Other commitments (d)				980		966
		Total commitments to extend credit and other commitments	$	160,328	$	155,141
(a)	Net outstanding standby letters of credit include $4.4 billion and $4.7 billion which support remarketing programs at September 30, 2016 and December 31, 2015, respectively.
(b)	Represents aggregate maximum exposure up to the specified limits of the reinsurance contracts, and reflects estimates based on availability of financial information from insurance carriers. As of September 30, 2016, the aggregate maximum exposure amount comprised $1.6 billion for accidental death & dismemberment contracts and $.3 billion for credit life, accident & health contracts. Comparable amounts at December 31, 2015 were $1.6 billion and $.4 billion, respectively.
(c)	We enter into standby bond purchase agreements to support municipal bond obligations.
(d)	Includes $.4 billion and $.5 billion related to investments in qualified affordable housing projects at September 30, 2016 and December 31, 2015, respectively.

Internal Credit Ratings Related to Net Outstanding Standby Letters of Credit

Table 86: Internal Credit Ratings Related to Net Outstanding Standby Letters of Credit
		September 30			December 31
		2016			2015
Internal credit ratings (as a percentage of portfolio):
	Pass (a)		92	%		93	%
	Below pass (b)		8	%		7	%
(a)	Indicates that expected risk of loss is currently low.
(b)	Indicates a higher degree of risk of default.

Resale and Repurchase Agreements Offsetting

Table 87: Resale and Repurchase Agreements Offsetting
In millions		Gross Resale / Repurchase Agreements		Amounts Offset on the Consolidated Balance Sheet	Net Resale / Repurchase Agreements (a)		Securities Collateral Held / Pledged Under Master Netting Agreements (b)		Net Amounts
Resale Agreements
	September 30, 2016	$	637		$	637	$	563	$	74	(c)
	December 31, 2015	$	1,082		$	1,082	$	1,008	$	74	(c)
Repurchase Agreements (d)
	September 30, 2016	$	1,231		$	1,231	$	532	$	699	(e)
	December 31, 2015	$	1,767		$	1,767	$	1,014	$	753	(e)
(a)	Resale agreements are included on the Consolidated Balance Sheet in Federal funds sold and resale agreements. Repurchase agreements are included on the Consolidated Balance Sheet in Federal funds purchased and repurchase agreements.
(b)	Represents the fair value of securities collateral purchased or sold, up to the amount owed under the agreement, for agreements supported by a legally enforceable master netting agreement.
(c)	Represents certain long term resale agreements which are fully collateralized but do not have the benefits of a netting opinion and, therefore, might be subject to a stay in insolvency proceedings and therefore are not eligible under ASC 210-20 for netting.
(d)	Repurchase agreements have remaining contractual maturities that are classified as overnight or continuous. As of September 30, 2016 and December 31, 2015, the collateral pledged under these agreements consisted primarily of residential mortgage-backed agency securities.
(e)	Represents overnight repurchase agreements entered into with municipalities, pension plans, and certain trusts and insurance companies which are fully collateralized but do not have the benefits of a netting opinion and, therefore, might be subject to a stay in insolvency proceedings and therefore are not eligible under ASC 210-20 for netting. There were no long term repurchase agreements as of September 30, 2016 and December 31, 2015.