CONSOLIDATED STATEMENT OF CASH FLOWS - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2016		Sep. 30, 2015
Cash flows from operating activities
Net income	$ 166		$ 455
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	(29)		122
Provision for credit losses	353	[1]	94
Net realized gains on securities available-for-sale	(81)		(69)
Net change in other assets and liabilities	1,010		(463)
Net change in loans held for sale:
Originations and purchases of loans held for sale	(1,733)		(1,823)
Sales and collections of loans held for sale	2,051		1,974
Net change in trading assets and liabilities	(2,419)		3,612
Lower of amortized cost or fair value adjustments on loans held for sale	82		15
Gain on instruments designated at fair value and related derivatives	(90)		(306)
Net cash provided by (used in) operating activities	(690)		3,611
Cash flows from investing activities
Net change in interest bearing deposits with banks	(9,661)		8,507
Net change in federal funds sold and securities purchased under agreements to resell	(10,866)		(19,010)
Securities available-for-sale:
Purchases of securities available-for-sale	(18,364)		(17,435)
Proceeds from sales of securities available-for-sale	13,697		9,882
Proceeds from maturities of securities available-for-sale	1,315		1,596
Securities held-to-maturity:
Purchases of securities held-to-maturity	(1,311)		(2,890)
Proceeds from maturities of securities held-to-maturity	1,871		1,856
Change in loans:
Originations, net of collections	3,697		(7,229)
Loans sold to third parties	1,458		0
Net cash used for acquisitions of properties and equipment	(17)		(29)
Other, net	(60)		(384)
Net cash used in investing activities	(18,241)		(25,136)
Cash flows from financing activities
Net change in deposits	12,285		15,358
Debt:
Net change in short-term borrowings	1,069		(3,851)
Issuance of long-term debt	7,675		15,775
Repayment of long-term debt	(2,122)		(9,387)
Preferred stock issuance	1,265		0
Preferred stock redemption	(1,265)		(300)
Capital contribution from parent	0		4,000
Other decreases in capital surplus	(12)		3
Dividends paid	(29)		(50)
Net cash provided by financing activities	18,866		21,548
Net change in cash and due from banks	(65)		23
Cash and due from banks at beginning of period	968		891
Cash and due from banks at end of period	$ 903		$ 914

[1] The provision for credit losses and charge-offs for residential mortgage loans during both the three and nine months ended September 30, 2016 includes $11 million related to the lower of amortized cost or fair value adjustment attributable to credit factors for loans transferred to held for sale. See Note 6, "Loans Held for Sale," for additional information.