Loans (Tables)

12 Months Ended

Dec. 31, 2012

Loans and Leases Receivable Disclosure [Line Items]

Loan Portfolio Segment Descriptions [Table Text Block]

Loan portfolio

The Firm’s loan portfolio is divided into three portfolio segments, which are the same segments used by the Firm to determine the allowance for loan losses: Consumer, excluding credit card; Credit card; and Wholesale. Within each portfolio segment, the Firm monitors and assesses the credit risk in the following classes of loans, based on the risk characteristics of each loan class:

Consumer, excluding credit card(a)	Credit card	Wholesale(c)
Residential real estate – excluding PCI • Home equity – senior lien • Home equity – junior lien • Prime mortgage, including      option ARMs • Subprime mortgage Other consumer loans • Auto(b) • Business banking(b) • Student and other Residential real estate – PCI • Home equity • Prime mortgage • Subprime mortgage • Option ARMs	• Credit card loans	• Commercial and industrial • Real estate • Financial institutions • Government agencies • Other

(a) Includes loans reported in CCB and residential real estate loans reported in the AM business segment and in Corporate/Private Equity.

(b) Includes certain business banking and auto dealer risk-rated loans that apply the wholesale methodology for determining the allowance for loan losses; these loans are managed by CCB, and therefore, for consistency in presentation, are included with the other consumer loan classes.

(c) Includes loans reported in CIB, CB and AM business segments and in Corporate/Private Equity.

Schedule of Loans by Portfolio Segment and Class [Table Text Block]

The following tables summarize the Firm’s loan balances by portfolio segment.

December 31, 2012 (in millions)	Consumer, excluding credit card		Credit card(a)		Wholesale		Total
Retained	$	292,620	$	127,993	$	306,222	$	726,835	(b)
Held-for-sale	—		—		4,406		4,406
At fair value	—		—		2,555		2,555
Total	$	292,620	$	127,993	$	313,183	$	733,796
December 31, 2011 (in millions)	Consumer, excluding credit card		Credit card(a)		Wholesale		Total
Retained	$	308,427	$	132,175	$	278,395	$	718,997	(b)
Held-for-sale	—		102		2,524		2,626
At fair value	—		—		2,097		2,097
Total	$	308,427	$	132,277	$	283,016	$	723,720

(a) Includes billed finance charges and fees net of an allowance for uncollectible amounts.

(b) Loans (other than PCI loans and those for which the fair value option has been elected) are presented net of unearned income, unamortized discounts and premiums, and net deferred loan costs of $2.5 billion and $2.7 billion at December 31, 2012 and 2011, respectively.

Schedule Of Retained Loans Purchases Sales And Transfer Into Held For Sale By Portfolio Segment [Table Text Block]

The following table provides information about the carrying value of retained loans purchased, sold and reclassified to held-for-sale during the periods indicated. These tables exclude loans recorded at fair value.On an ongoing basis, the Firm manages its exposure to credit risk. Selling loans is one way that the Firm reduces its credit exposures.

	2012								2011
Years ended December 31, (in millions)	Consumer, excluding credit card		Credit card		Wholesale		Total		Consumer, excluding credit card		Credit card		Wholesale		Total
Purchases	$	6,601	$	—	$	827	$	7,428	$	7,525	$	—	$	906	$	8,431
Sales	1,852		—		3,423		5,275		1,384		—		3,289		4,673
Retained loans reclassified to held-for-sale	—		1,043		504		1,547		—		2,006		538		2,544

Schedule Of Net Gains Losses On Loan Sales By Portfolio Segment [Table Text Block]

The following table provides information about gains/(losses) on loan sales by portfolio segment.

Year ended December 31, (in millions)	2012			2011			2010
Net gains/(losses) on sales of loans (including lower of cost or fair value adjustments)(a)
Consumer, excluding credit card	$	122		$	131		$	265
Credit card	(9		)	(24		)	(16		)
Wholesale	180			121			215
Total net gains/(losses) on sales of loans (including lower of cost or fair value adjustments)(a)	$	293		$	228		$	464

(a) Excludes sales related to loans accounted for at fair value.

Consumer, Excluding Credit Card

Loans and Leases Receivable Disclosure [Line Items]

Schedule of Loans by Portfolio Segment and Class [Table Text Block]

The table below provides information about retained consumer loans, excluding credit card, by class.

December 31, (in millions)	2012		2011
Residential real estate – excluding PCI
Home equity:
Senior lien	$	19,385	$	21,765
Junior lien	48,000		56,035
Mortgages:
Prime, including option ARMs	76,256		76,196
Subprime	8,255		9,664
Other consumer loans
Auto	49,913		47,426
Business banking	18,883		17,652
Student and other	12,191		14,143
Residential real estate – PCI
Home equity	20,971		22,697
Prime mortgage	13,674		15,180
Subprime mortgage	4,626		4,976
Option ARMs	20,466		22,693
Total retained loans	$	292,620	$	308,427

Consumer, Excluding Credit Card | Residential Real Estate, Excluding Purchased Credit-Impaired [Member]

Loans and Leases Receivable Disclosure [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

The following table provides information by class for residential real estate – excluding retained PCI loans in the consumer, excluding credit card, portfolio segment.

The following factors should be considered in analyzing certain credit statistics applicable to the Firm’s residential real estate – excluding PCI loans portfolio: (i) junior lien home equity loans may be fully charged off when the loan becomes 180 days past due, and the value of the collateral does not support the repayment of the loan, resulting in relatively high charge-off rates for this product class; and (ii) the lengthening of loss-mitigation timelines may result in higher delinquency rates for loans carried at the net realizable value of the collateral that remain on the Firm’s Consolidated Balance Sheets.

Residential real estate – excluding PCI loans
	Home equity
December 31, (in millions, except ratios)	Senior lien						Junior lien
	2012			2011			2012				2011
Loan delinquency(a)
Current	$	18,688		$	20,992		$	46,805			$	54,533
30–149 days past due	330			405			960				1,272
150 or more days past due	367			368			235				230
Total retained loans	$	19,385		$	21,765		$	48,000			$	56,035
% of 30+ days past due to total retained loans	3.60		%	3.55		%	2.49		%		2.68		%
90 or more days past due and still accruing	$	—		$	—		$	—			$	—
90 or more days past due and government guaranteed(b)	—			—			—				—
Nonaccrual loans(c)	931			495			2,277			(h)	792
Current estimated LTV ratios(d)(e)(f)
Greater than 125% and refreshed FICO scores:
Equal to or greater than 660	$	197		$	341		$	4,561			$	6,463
Less than 660	93			160			1,338				2,037
101% to 125% and refreshed FICO scores:
Equal to or greater than 660	491			663			7,089				8,775
Less than 660	191			241			1,971				2,510
80% to 100% and refreshed FICO scores:
Equal to or greater than 660	1,502			1,850			9,604				11,433
Less than 660	485			601			2,279				2,616
Less than 80% and refreshed FICO scores:
Equal to or greater than 660	13,988			15,350			18,252				19,326
Less than 660	2,438			2,559			2,906				2,875
U.S. government-guaranteed	—			—			—				—
Total retained loans	$	19,385		$	21,765		$	48,000			$	56,035
Geographic region
California	$	2,786		$	3,066		$	10,969			$	12,851
New York	2,847			3,023			9,753				10,979
Illinois	1,358			1,495			3,265				3,785
Florida	892			992			2,572				3,006
Texas	2,508			3,027			1,503				1,859
New Jersey	652			687			2,838				3,238
Arizona	1,183			1,339			2,151				2,552
Washington	651			714			1,629				1,895
Ohio	1,514			1,747			1,091				1,328
Michigan	910			1,044			1,169				1,400
All other(g)	4,084			4,631			11,060				13,142
Total retained loans	$	19,385		$	21,765		$	48,000			$	56,035

(a) Individual delinquency classifications included mortgage loans insured by U.S. government agencies as follows: current includes $3.8 billion and $3.0 billion; 30–149 days past due includes $2.3 billion and $2.3 billion; and 150 or more days past due includes $9.5 billion and $10.3 billion at December 31, 2012 and 2011, respectively.

(b) These balances, which are 90 days or more past due but insured by U.S. government agencies, are excluded from nonaccrual loans. In predominately all cases, 100% of the principal balance of the loans is insured and interest is guaranteed at a specified reimbursement rate subject to meeting agreed-upon servicing guidelines. These amounts are excluded from nonaccrual loans because reimbursement of insured and guaranteed amounts is proceeding normally. At December 31, 2012 and 2011, these balances included $6.8 billion and $7.0 billion, respectively, of loans that are no longer accruing interest because interest has been curtailed by the U.S. government agencies although, in predominantly all cases, 100% of the principal is still insured. For the remaining balance, interest is being accrued at the guaranteed reimbursement rate.

(c) At December 31, 2012, included $1.7 billion of loans recorded in accordance with regulatory guidance requiring loans discharged under Chapter 7 bankruptcy and not reaffirmed by the borrower to be reported as nonaccrual loans, regardless of their delinquency status. This $1.7 billion consisted of $450 million, $440 million, $500 million, and $357 million for home equity - senior lien, home equity - junior lien, prime mortgage, including option ARMs, and subprime mortgages, respectively. Certain of these loans have previously been reported as performing TDRs (e.g., loans that were previously modified under one of the Firm’s loss mitigation programs and that have made at least six payments under the modified payment terms).

(d) Represents the aggregate unpaid principal balance of loans divided by the estimated current property value. Current property values are estimated, at a minimum, quarterly, based on home valuation models using nationally recognized home price index valuation estimates incorporating actual data to the extent available and forecasted data where actual data is not available. These property values do not represent actual appraised loan level collateral values; as such, the resulting ratios are necessarily imprecise and should be viewed as estimates.

(e) Junior lien represents combined LTV, which considers all available lien positions related to the property. All other products are presented without consideration of subordinate liens on the property.

(f) Refreshed FICO scores represent each borrower’s most recent credit score, which is obtained by the Firm on at least a quarterly basis.

(g) At both December 31, 2012 and 2011, included mortgage loans insured by U.S. government agencies of $15.6 billion.

(h) Includes $1.2 billion of performing junior liens at December 31, 2012, that are subordinate to senior liens that are 90 days or more past due; such junior liens are now being reported as nonaccrual loans based upon regulatory guidance issued in the first quarter of 2012. Of the total, $1.1 billion were current at December 31, 2012. Prior periods have not been restated.

(i) At December 31, 2012 and 2011, excluded mortgage loans insured by U.S. government agencies of $11.8 billion and $12.6 billion, respectively. These amounts were excluded as reimbursement of insured amounts is proceeding normally.

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Mortgages
Prime, including option ARMs								Subprime						Total residential real estate – excluding PCI
2012				2011				2012			2011			2012				2011
$	61,439			$	59,855			$	6,673		$	7,585		$	133,605			$	142,965
3,237				3,475				727			820			5,254				5,972
11,580				12,866				855			1,259			13,037				14,723
$	76,256			$	76,196			$	8,255		$	9,664		$	151,896			$	163,660
3.97		%	(i)	4.96		%	(i)	19.16		%	21.51		%	4.28		%	(i)	4.97		%	(i)
$	—			$	—			$	—		$	—		$	—			$	—
10,625				11,516				—			—			10,625				11,516
3,445				3,462				1,807			1,781			8,460				6,530
$	2,573			$	3,168			$	236		$	367		$	7,567			$	10,339
991				1,416				653			1,061			3,075				4,674
3,697				4,626				457			506			11,734				14,570
1,376				1,636				985			1,284			4,523				5,671
7,070				9,343				726			817			18,902				23,443
2,117				2,349				1,346			1,556			6,227				7,122
38,281				33,849				1,793			1,906			72,314				70,431
4,549				4,225				2,059			2,167			11,952				11,826
15,602				15,584				—			—			15,602				15,584
$	76,256			$	76,196			$	8,255		$	9,664		$	151,896			$	163,660
$	17,539			$	18,029			$	1,240		$	1,463		$	32,534			$	35,409
11,190				10,200				1,081			1,217			24,871				25,419
3,999				3,922				323			391			8,945				9,593
4,372				4,565				1,031			1,206			8,867				9,769
2,927				2,851				257			300			7,195				8,037
2,131				2,042				399			461			6,020				6,428
1,162				1,194				165			199			4,661				5,284
1,741				1,878				177			209			4,198				4,696
405				441				191			234			3,201				3,750
866				909				203			246			3,148				3,599
29,924				30,165				3,188			3,738			48,256				51,676
$	76,256			$	76,196			$	8,255		$	9,664		$	151,896			$	163,660

Impaired Financing Receivables [Table Text Block]

The table below sets forth information about the Firm’s residential real estate impaired loans, excluding PCI loans. These loans are considered to be impaired as they have been modified in a TDR. All impaired loans are evaluated for an asset-specific allowance as described in Note 15 on pages 276–279 of this Annual Report.

	Home equity								Mortgages								Total residential  real estate – excluding PCI
December 31, (in millions)	Senior lien				Junior lien				Prime, including option ARMs				Subprime
	2012		2011		2012		2011		2012		2011		2012		2011		2012		2011
Impaired loans
With an allowance	$	542	$	319	$	677	$	622	$	5,810	$	4,332	$	3,071	$	3,047	$	10,100	$	8,320
Without an allowance(a)	550		16		546		35		1,308		545		741		172		3,145		768
Total impaired loans(b)(c)	$	1,092	$	335	$	1,223	$	657	$	7,118	$	4,877	$	3,812	$	3,219	$	13,245	$	9,088
Allowance for loan losses related to impaired loans	$	159	$	80	$	188	$	141	$	70	$	4	$	174	$	366	$	591	$	591
Unpaid principal balance of impaired loans(d)(e)	1,408		433		2,352		994		9,095		6,190		5,700		4,827		18,555		12,444
Impaired loans on nonaccrual status(f)	607		77		599		159		1,888		922		1,308		832		4,402		1,990

(a) Represents collateral-dependent residential mortgage loans, including Chapter 7 loans, that are charged off to the fair value of the underlying collateral less cost to sell.

(b) At December 31, 2012 and 2011, $7.5 billion and $4.3 billion, respectively, of loans permanently modified subsequent to repurchase from Government National Mortgage Association (“Ginnie Mae”) in accordance with the standards of the appropriate government agency (i.e., Federal Housing Administration (“FHA”), U.S. Department of Veterans Affairs (“VA”), Rural Housing Services (“RHS”)) are not included in the table above. When such loans perform subsequent to modification in accordance with Ginnie Mae guidelines, they are generally sold back into Ginnie Mae loan pools. Modified loans that do not re-perform become subject to foreclosure.

(c) At December 31, 2012, included $1.6 billion of Chapter 7 loans, consisting of $450 million of senior lien home equity loans, $448 million of junior lien home equity loans, $465 million of prime including option ARMs, and $245 million of subprime mortgages. Certain of these loans were previously reported as nonaccrual loans (e.g., based upon the delinquency status of the loan).

(d) Represents the contractual amount of principal owed at December 31, 2012 and 2011. The unpaid principal balance differs from the impaired loan balances due to various factors, including charge-offs, net deferred loan fees or costs, and unamortized discounts or premiums on purchased loans.

(e) At December 31, 2012, included $2.7 billion of Chapter 7 loans, consisting of $596 million of senior lien home equity loans, $990 million of junior lien home equity loans, $713 million of prime, including option ARMs, and $379 million of subprime mortgages.

(f) As of December 31, 2012 and 2011, nonaccrual loans included $2.9 billion and $886 million, respectively, of TDRs for which the borrowers were less than 90 days past due. For additional information about loans modified in a TDR that are on nonaccrual status refer to the Loan accounting framework on pages 250–252 of this Note.

Impaired Financing Receivables, Average Recorded Investment [Table Text Block]

The following table presents average impaired loans and the related interest income reported by the Firm.

Year ended December 31,	Average impaired loans						Interest income on impaired loans(a)						Interest income on impaired loans on a cash basis(a)
(in millions)	2012		2011		2010		2012		2011		2010		2012		2011		2010
Home equity
Senior lien	$	610	$	287	$	207	$	27	$	10	$	15	$	12	$	1	$	1
Junior lien	848		521		266		42		18		10		16		2		1
Mortgages
Prime, including option ARMs	5,989		3,859		1,530		238		147		70		28		14		14
Subprime	3,494		3,083		2,539		183		148		121		31		16		19
Total residential real estate – excluding PCI	$	10,941	$	7,750	$	4,542	$	490	$	323	$	216	$	87	$	33	$	35

(a) Generally, interest income on loans modified in TDRs is recognized on a cash basis until such time as the borrower has made a minimum of six payments under the new terms.

Troubled Debt Restructurings on Financing Receivables, Roll Forward [Table Text Block]

The following table reconciles the beginning and ending balances of residential real estate loans, excluding PCI loans, modified in TDRs for the periods presented.

Year ended December 31, (in millions)	Home equity												Mortgages												Total residential real estate – excluding PCI
	Senior lien						Junior lien						Prime, including option ARMs						Subprime
	2012			2011			2012			2011			2012			2011			2012			2011			2012			2011
Beginning balance of TDRs	$	335		$	226		$	657		$	283		$	4,877		$	2,084		$	3,219		$	2,751		$	9,088		$	5,344
New TDRs(a)	835			138			711			518			2,918			3,268			1,043			883			5,507			4,807
Charge-offs post-modification(b)	(31		)	(15		)	(2		)	(78		)	(135		)	(119		)	(208		)	(234		)	(376		)	(446		)
Foreclosures and other liquidations (e.g., short sales)	(5		)	—			(21		)	(11		)	(138		)	(108		)	(113		)	(82		)	(277		)	(201		)
Principal payments and other	(42		)	(14		)	(122		)	(55		)	(404		)	(248		)	(129		)	(99		)	(697		)	(416		)
Ending balance of TDRs	$	1,092		$	335		$	1,223		$	657		$	7,118		$	4,877		$	3,812		$	3,219		$	13,245		$	9,088
Permanent modifications(a)	$	1,058		$	285		$	1,218		$	634		$	6,834		$	4,601		$	3,661		$	3,029		$	12,771		$	8,549
Trial modifications	$	34		$	50		$	5		$	23		$	284		$	276		$	151		$	190		$	474		$	539

(a) For the year ended December 31, 2012, included $1.6 billion of Chapter 7 loans consisting of $450 million of senior lien home equity loans, $448 million of junior lien home equity loans, $465 million of prime, including option ARMs, and $245 million of subprime mortgages. Certain of these loans were previously reported as nonaccrual loans (e.g., based upon the delinquency status of the loan).

(b) Includes charge-offs on unsuccessful trial modifications.

Troubled Debt Restructurings on Financing Receivables, Nature and Extent of Modifications [Table Text Block]

The following table provides information about how residential real estate loans, excluding PCI loans, were modified under the Firm’s loss mitigation programs during the periods presented. This table excludes Chapter 7 loans where the sole concession granted is the discharge of debt. At December 31, 2012, there were approximately 37,300 of such Chapter 7 loans, consisting of approximately 9,000 senior lien home equity loans, 20,700 junior lien home equity loans, 3,800 prime mortgage, including option ARMs, and 3,800 subprime mortgages.

Year ended December 31,	Home equity								Mortgages								Total residential real estate - excluding PCI
	Senior lien				Junior lien				Prime, including option ARMs				Subprime
	2012		2011		2012		2011		2012		2011		2012		2011		2012		2011
Number of loans approved for a trial modification, but not permanently modified	410		654		528		778		1,101		898		1,168		1,730		3,207		4,060
Number of loans permanently modified	4,385		1,006		7,430		9,142		9,043		9,579		9,964		4,972		30,822		24,699
Concession granted:(a)
Interest rate reduction	81	%	76	%	89	%	95	%	75	%	54	%	70	%	79	%	77	%	75	%
Term or payment extension	49		86		76		81		61		71		45		74		57		76
Principal and/or interest deferred	8		12		19		22		21		18		12		19		16		19
Principal forgiveness	12		8		22		20		30		3		43		14		30		12
Other(b)	3		27		5		7		31		68		8		26		13		35

(a) As a percentage of the number of loans modified. The sum of the percentages exceeds 100% because predominantly all of the modifications include more than one type of concession.

(b) Represents variable interest rate to fixed interest rate modifications.

Troubled Debt Restructurings on Financing Receivables, Financial Effects of Modifications and Redefaults [Table Text Block]

The following table provides information about the financial effects of the various concessions granted in modifications of residential real estate loans, excluding PCI, under the Firm’s loss mitigation programs and about redefaults of certain loans modified in TDRs for the periods presented. This table excludes Chapter 7 loans where the sole concession granted is the discharge of debt.

Year ended December 31, (in millions, except weighted-average data and number of loans)	Home equity												Mortgages												Total residential real estate – excluding PCI
	Senior lien						Junior lien						Prime, including option ARMs						Subprime
	2012			2011			2012			2011			2012			2011			2012			2011			2012			2011
Weighted-average interest rate of loans with interest rate reductions – before TDR	7.14		%	7.25		%	5.40		%	5.44		%	6.12		%	5.99		%	7.78		%	8.27		%	6.56		%	6.47		%
Weighted-average interest rate of loans with interest rate reductions – after TDR	4.56			3.54			1.89			1.48			3.57			3.32			4.09			3.50			3.62			3.09
Weighted-average remaining contractual term (in years) of loans with term or payment extensions – before TDR	19			18			20			21			25			25			23			23			23			24
Weighted-average remaining contractual term (in years) of loans with term or payment extensions – after TDR	28			30			32			34			36			35			32			34			34			35
Charge-offs recognized upon permanent modification	$	8		$	1		$	65		$	117		$	35		$	61		$	29		$	19		$	137		$	198
Principal deferred	5			4			26			36			164			176			50			68			245			284
Principal forgiven	23			1			58			62			318			24			371			55			770			142
Number of loans that redefaulted within one year of permanent modification(a)	374			201			1,436			1,170			920			1,041			1,426			1,742			4,156			4,154
Balance of loans that redefaulted within one year of permanent modification(a)	$	30		$	17		$	46		$	47		$	255		$	319		$	156		$	245		$	487		$	628

(a) Represents loans permanently modified in TDRs that experienced a payment default in the period presented, and for which the payment default occurred within one year of the modification. The dollar amounts presented represent the balance of such loans at the end of the reporting period in which such loans defaulted. For residential real estate loans modified in TDRs, payment default is deemed to occur when the loan becomes two contractual payments past due. In the event that a modified loan redefaults, it is probable that the loan will ultimately be liquidated through foreclosure or another similar type of liquidation transaction. Redefaults of loans modified within the last 12 months may not be representative of ultimate redefault levels.

Consumer, Excluding Credit Card | Home Equity - Junior Lien [Member]

Loans and Leases Receivable Disclosure [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

The following tables represent the Firm’s delinquency statistics for junior lien home equity loans as of December 31, 2012 and 2011.

	Delinquencies
December 31, 2012 (in millions, except ratios)	30–89 days past due		90–149 days past due		150+ days past due		Total loans		Total 30+ day delinquency rate
HELOCs:(a)
Within the revolving period(b)	$	514	$	196	$	185	$	40,794	2.19	%
Beyond the revolving period	48		19		27		2,127		4.42
HELOANs	125		58		23		5,079		4.06
Total	$	687	$	273	$	235	$	48,000	2.49	%

	Delinquencies
December 31, 2011 (in millions, except ratios)	30–89 days past due		90–149 days past due		150+ days past due		Total loans		Total 30+ day delinquency rate
HELOCs:(a)
Within the revolving period(b)	$	606	$	314	$	173	$	47,760	2.29	%
Beyond the revolving period	45		19		15		1,636		4.83
HELOANs	188		100		42		6,639		4.97
Total	$	839	$	433	$	230	$	56,035	2.68	%

(a) These HELOCs are predominantly revolving loans for a 10-year period, after which time the HELOC converts to a loan with a 20-year amortization period, but also include HELOCs originated by Washington Mutual that require interest-only payments beyond the revolving period.

(b) The Firm manages the risk of HELOCs during their revolving period by closing or reducing the undrawn line to the extent permitted by law when borrowers are experiencing financial difficulty or when the collateral does not support the loan amount.

Consumer, Excluding Credit Card | Purchased Credit-Impaired [Member]

Loans and Leases Receivable Disclosure [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

Residential real estate – PCI loans

The table below sets forth information about the Firm’s consumer, excluding credit card, PCI loans.

December 31, (in millions, except ratios)	Home equity						Prime mortgage						Subprime mortgage						Option ARMs						Total PCI
	2012			2011			2012			2011			2012			2011			2012			2011			2012			2011
Carrying value(a)	$	20,971		$	22,697		$	13,674		$	15,180		$	4,626		$	4,976		$	20,466		$	22,693		$	59,737		$	65,546
Related allowance for loan losses(b)	1,908			1,908			1,929			1,929			380			380			1,494			1,494			5,711			5,711
Loan delinquency (based on unpaid principal balance)
Current	$	20,331		$	22,682		$	11,078		$	12,148		$	4,198		$	4,388		$	16,415		$	17,919		$	52,022		$	57,137
30–149 days past due	803			1,130			740			912			698			782			1,314			1,467			3,555			4,291
150 or more days past due	1,209			1,252			2,066			3,000			1,430			2,059			4,862			6,753			9,567			13,064
Total loans	$	22,343		$	25,064		$	13,884		$	16,060		$	6,326		$	7,229		$	22,591		$	26,139		$	65,144		$	74,492
% of 30+ days past due to total loans	9.01		%	9.50		%	20.21		%	24.36		%	33.64		%	39.30		%	27.34		%	31.45		%	20.14		%	23.30		%
Current estimated LTV ratios (based on unpaid principal balance)(c)(d)
Greater than 125% and refreshed FICO scores:
Equal to or greater than 660	$	4,508		$	5,915		$	1,478		$	2,313		$	375		$	473		$	1,597		$	2,509		$	7,958		$	11,210
Less than 660	2,344			3,299			1,449			2,319			1,300			1,939			2,729			4,608			7,822			12,165
101% to 125% and refreshed FICO scores:
Equal to or greater than 660	4,966			5,393			2,968			3,328			434			434			3,281			3,959			11,649			13,114
Less than 660	2,098			2,304			1,983			2,314			1,256			1,510			3,200			3,884			8,537			10,012
80% to 100% and refreshed FICO scores:
Equal to or greater than 660	3,531			3,482			1,872			1,629			416			372			3,794			3,740			9,613			9,223
Less than 660	1,305			1,264			1,378			1,457			1,182			1,197			2,974			3,035			6,839			6,953
Lower than 80% and refreshed FICO scores:
Equal to or greater than 660	2,524			2,409			1,356			1,276			255			198			2,624			2,189			6,759			6,072
Less than 660	1,067			998			1,400			1,424			1,108			1,106			2,392			2,215			5,967			5,743
Total unpaid principal balance	$	22,343		$	25,064		$	13,884		$	16,060		$	6,326		$	7,229		$	22,591		$	26,139		$	65,144		$	74,492
Geographic region (based on unpaid principal balance)
California	$	13,493		$	15,091		$	7,877		$	9,121		$	1,444		$	1,661		$	11,889		$	13,565		$	34,703		$	39,438
New York	1,067			1,179			927			1,018			649			709			1,404			1,548			4,047			4,454
Illinois	502			558			433			511			338			411			587			702			1,860			2,182
Florida	2,054			2,307			1,023			1,265			651			812			2,480			3,201			6,208			7,585
Texas	385			455			148			168			368			405			118			140			1,019			1,168
New Jersey	423			471			401			445			260			297			854			969			1,938			2,182
Arizona	408			468			215			254			105			126			305			362			1,033			1,210
Washington	1,215			1,368			328			388			142			160			563			649			2,248			2,565
Ohio	27			32			71			79			100			114			89			111			287			336
Michigan	70			81			211			239			163			187			235			268			679			775
All other	2,699			3,054			2,250			2,572			2,106			2,347			4,067			4,624			11,122			12,597
Total unpaid principal balance	$	22,343		$	25,064		$	13,884		$	16,060		$	6,326		$	7,229		$	22,591		$	26,139		$	65,144		$	74,492

(a) Carrying value includes the effect of fair value adjustments that were applied to the consumer PCI portfolio at the date of acquisition.

(b) Management concluded as part of the Firm’s regular assessment of the PCI loan pools that it was probable that higher expected credit losses would result in a decrease in expected cash flows. As a result, an allowance for loan losses for impairment of these pools has been recognized.

(c) Represents the aggregate unpaid principal balance of loans divided by the estimated current property value. Current property values are estimated, at a minimum, quarterly, based on home valuation models using nationally recognized home price index valuation estimates incorporating actual data to the extent available and forecasted data where actual data is not available. These property values do not represent actual appraised loan level collateral values; as such, the resulting ratios are necessarily imprecise and should be viewed as estimates. Current estimated combined LTV for junior lien home equity loans considers all available lien positions related to the property.

(d) Refreshed FICO scores, which the Firm obtains at least quarterly, represent each borrower’s most recent credit score.

Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Movement, Roll Forward [Table Text Block]

The table below sets forth the accretable yield activity for the Firm’s PCI consumer loans for the years ended December 31, 2012, 2011 and 2010, and represents the Firm’s estimate of gross interest income expected to be earned over the remaining life of the PCI loan portfolios. The table excludes the cost to fund the PCI portfolios, and therefore the accretable yield does not represent net interest income expected to be earned on these portfolios.

Year ended December 31, (in millions, except ratios)	Total PCI
	2012			2011			2010
Beginning balance	$	19,072		$	19,097		$	25,544
Accretion into interest income	(2,491		)	(2,767		)	(3,232		)
Changes in interest rates on variable-rate loans	(449		)	(573		)	(819		)
Other changes in expected cash flows(a)	2,325			3,315			(2,396		)
Balance at December 31	$	18,457		$	19,072		$	19,097
Accretable yield percentage	4.38		%	4.33		%	4.35		%

(a) Other changes in expected cash flows may vary from period to period as the Firm continues to refine its cash flow model and periodically updates model assumptions. For the years ended December 31, 2012 and 2011, other changes in expected cash flows were principally driven by the impact of modifications, but also related to changes in prepayment assumptions. For the year ended December 31, 2010, other changes in expected cash flows were principally driven by changes in prepayment assumptions, as well as reclassification to the nonaccretable difference. Changes to prepayment assumptions change the expected remaining life of the portfolio, which drives changes in expected future interest cash collections. Such changes do not have a significant impact on the accretable yield percentage.

Consumer, Excluding Credit Card | Purchased Credit-Impaired, Home Equity Junior Lien [Member]

Loans and Leases Receivable Disclosure [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

The following tables set forth delinquency statistics for PCI junior lien home equity loans based on unpaid principal balance as of December 31, 2012 and 2011.

	Delinquencies								Total 30+ day delinquency rate
December 31, 2012 (in millions, except ratios)	30–89 days past due		90–149 days past due		150+ days past due		Total loans
HELOCs:(a)
Within the revolving period(b)	$	361	$	175	$	591	$	15,915	7.08	%
Beyond the revolving period(c)	30		13		20		666		9.46
HELOANs	37		18		44		1,085		9.12
Total	$	428	$	206	$	655	$	17,666	7.30	%

	Delinquencies								Total 30+ day delinquency rate
December 31, 2011 (in millions, except ratios)	30–89 days past due		90–149 days past due		150+ days past due		Total loans
HELOCs:(a)
Within the revolving period(b)	$	500	$	296	$	543	$	18,246	7.34	%
Beyond the revolving period(c)	16		11		5		400		8.00
HELOANs	53		29		44		1,327		9.50
Total	$	569	$	336	$	592	$	19,973	7.50	%

(a) In general, these HELOCs are revolving loans for a 10-year period, after which time the HELOC converts to an interest-only loan with a balloon payment at the end of the loan’s term.

(b) Substantially all undrawn HELOCs within the revolving period have been closed.

(c) Predominantly all of these loans have been modified into fixed-rate amortizing loans.

Consumer, Excluding Credit Card | Other Consumer [Member]

Loans and Leases Receivable Disclosure [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

The table below provides information for other consumer retained loan classes, including auto, business banking and student loans.

December 31, (in millions, except ratios)	Auto							Business banking						Student and other								Total other consumer
	2012				2011			2012			2011			2012				2011				2012				2011
Loan delinquency(a)
Current	$	49,290			$	46,891		$	18,482		$	17,173		$	11,038			$	12,905			$	78,810			$	76,969
30–119 days past due	616				528			263			326			709				777				1,588				1,631
120 or more days past due	7				7			138			153			444				461				589				621
Total retained loans	$	49,913			$	47,426		$	18,883		$	17,652		$	12,191			$	14,143			$	80,987			$	79,221
% of 30+ days past due to total retained loans	1.25		%		1.13		%	2.12		%	2.71		%	2.12		%	(e)	1.76		%	(e)	1.58		%	(e)	1.59		%	(e)
90 or more days past due and still accruing (b)	$	—			$	—		$	—		$	—		$	525			$	551			$	525			$	551
Nonaccrual loans	163			(d)	118			481			694			70				69				714				881
Geographic region
California	$	4,962			$	4,413		$	1,983		$	1,342		$	1,108			$	1,261			$	8,053			$	7,016
New York	3,742				3,616			2,981			2,792			1,202				1,401				7,925				7,809
Illinois	2,738				2,496			1,404			1,364			556				851				4,698				4,711
Florida	1,922				1,881			527			313			748				658				3,197				2,852
Texas	4,739				4,467			2,749			2,680			891				1,053				8,379				8,200
New Jersey	1,921				1,829			379			376			409				460				2,709				2,665
Arizona	1,719				1,495			1,139			1,165			265				316				3,123				2,976
Washington	824				735			202			160			287				249				1,313				1,144
Ohio	2,462				2,633			1,443			1,541			770				880				4,675				5,054
Michigan	2,091				2,282			1,368			1,389			548				637				4,007				4,308
All other	22,793				21,579			4,708			4,530			5,407				6,377				32,908				32,486
Total retained loans	$	49,913			$	47,426		$	18,883		$	17,652		$	12,191			$	14,143			$	80,987			$	79,221
Loans by risk ratings(c)
Noncriticized	$	8,882			$	6,775		$	13,336		$	11,749		NA				NA				$	22,218			$	18,524
Criticized performing	130				166			713			817			NA				NA				843				983
Criticized nonaccrual	4				3			386			524			NA				NA				390				527

(a) Individual delinquency classifications included loans insured by U.S. government agencies under the Federal Family Education Loan Program (“FFELP”) as follows: current includes $5.4 billion and $7.0 billion; 30-119 days past due includes $466 million and $542 million; and 120 or more days past due includes $428 million and $447 million at December 31, 2012 and 2011, respectively.

(b) These amounts represent student loans, which are insured by U.S. government agencies under the FFELP. These amounts were accruing as reimbursement of insured amounts is proceeding normally.

(c) For risk-rated business banking and auto loans, the primary credit quality indicator is the risk rating of the loan, including whether the loans are considered to be criticized and/or nonaccrual.

(d) At December 31, 2012, included $51 million of Chapter 7 auto loans.

(e) December 31, 2012 and 2011, excluded loans 30 days or more past due and still accruing, which are insured by U.S. government agencies under the FFELP, of $894 million and $989 million, respectively. These amounts were excluded as reimbursement of insured amounts is proceeding normally.

Impaired Financing Receivables [Table Text Block]

The table below sets forth information about the Firm’s other consumer impaired loans, including risk-rated business banking and auto loans that have been placed on nonaccrual status, and loans that have been modified in TDRs.

December 31, (in millions)	Auto				Business banking				Total other consumer(e)
	2012		2011		2012		2011		2012		2011
Impaired loans
With an allowance	$	78	$	88	$	543	$	713	$	621	$	801
Without an allowance(a)	72		3		—		—		72		3
Total impaired loans(b)	$	150	$	91	$	543	$	713	$	693	$	804
Allowance for loan losses related to impaired loans	$	12	$	12	$	126	$	225	$	138	$	237
Unpaid principal balance of impaired loans(c)(d)	259		126		624		822		883		948
Impaired loans on nonaccrual status(b)	109		41		394		551		503		592

(a) When discounted cash flows, collateral value or market price equals or exceeds the recorded investment in the loan, the loan does not require an allowance. This typically occurs when the impaired loans have been partially charged off and/or there have been interest payments received and applied to the loan balance.

(b) At December 31, 2012, included $72 million of Chapter 7 auto loans. Certain of these loans were previously reported as nonaccrual loans (e.g., based upon the delinquency status of the loan).

(c) At December 31, 2012, included $146 million of Chapter 7 auto loans.

(d) Represents the contractual amount of principal owed at December 31, 2012 and 2011. The unpaid principal balance differs from the impaired loan balances due to various factors, including charge-offs; interest payments received and applied to the principal balance; net deferred loan fees or costs; and unamortized discounts or premiums on purchased loans.

(e) There were no impaired student and other loans at December 31, 2012 and 2011.

Impaired Financing Receivables, Average Recorded Investment [Table Text Block]

The following table presents average impaired loans for the periods presented.

Year ended December 31, (in millions)	Average impaired loans(b)
	2012		2011		2010
Auto	$	111	$	92	$	120
Business banking	622		760		682
Total other consumer(a)	$	733	$	852	$	802

(a) There were no impaired student and other loans for the years ended 2012, 2011 and 2010.

(b) The related interest income on impaired loans, including those on a cash basis, was not material for the years ended 2012, 2011 and 2010.

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following table provides information about the Firm’s other consumer loans modified in TDRs. All of these TDRs are reported as impaired loans in the tables above.

December 31, (in millions)	Auto				Business banking				Total other consumer(d)
	2012		2011		2012		2011		2012		2011
Loans modified in troubled debt restructurings(a)(b)(c)	$	150	$	88	$	352	$	415	$	502	$	503
TDRs on nonaccrual status	109		38		203		253		312		291

(a) These modifications generally provided interest rate concessions to the borrower or deferral of principal repayments.

(b) Additional commitments to lend to borrowers whose loans have been modified in TDRs as of December 31, 2012 and 2011, were immaterial.

(c) At December 31, 2012, included $72 million of Chapter 7 auto loans. Certain of these loans were previously reported as nonaccrual loans (e.g., based upon the delinquency status of the loan).

(d) There were no student and other loans modified in TDRs at December 31, 2012 and 2011.

Troubled Debt Restructurings on Financing Receivables, Roll Forward [Table Text Block]

The following table reconciles the beginning and ending balances of other consumer loans modified in TDRs for the periods presented.

Year ended December 31, (in millions)	Auto						Business banking						Total other consumer
	2012			2011			2012			2011			2012			2011
Beginning balance of TDRs	$	88		$	91		$	415		$	395		$	503		$	486
New TDRs(a)	145			54			104			195			249			249
Charge-offs post-modification	(9		)	(5		)	(9		)	(11		)	(18		)	(16		)
Foreclosures and other liquidations	—			—			(1		)	(3		)	(1		)	(3		)
Principal payments and other	(74		)	(52		)	(157		)	(161		)	(231		)	(213		)
Ending balance of TDRs	$	150		$	88		$	352		$	415		$	502		$	503

(a) At December 31, 2012, included $72 million of Chapter 7 auto loans. Certain of these loans were previously reported as nonaccrual loans (e.g., based upon the delinquency status of the loan).

Troubled Debt Restructurings on Financing Receivables, Financial Effects of Modifications and Redefaults [Table Text Block]

The following table provides information about the financial effects of the various concessions granted in modifications of other consumer loans for the periods presented.

Year ended December 31,	Auto				Business banking
	2012		2011		2012		2011
Weighted-average interest rate of loans with interest rate reductions – before TDR	12.64	%	12.45	%	7.33	%	7.55	%
Weighted-average interest rate of loans with interest rate reductions – after TDR	4.83		5.70		5.49		5.52
Weighted-average remaining contractual term (in years) of loans with term or payment extensions – before TDR	NM		NM		1.4		1.4
Weighted-average remaining contractual term (in years) of loans with term or payment extensions – after TDR	NM		NM		2.4		2.6

Credit Card

Loans and Leases Receivable Disclosure [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

The table below sets forth information about the Firm’s credit card loans.

As of or for the year ended December 31, (in millions, except ratios)	2012			2011
Net charge-offs	$	4,944		$	6,925
% of net charge-offs to retained loans	3.95		%	5.44		%
Loan delinquency
Current and less than 30 days past due and still accruing	$	125,309		$	128,464
30–89 days past due and still accruing	1,381			1,808
90 or more days past due and still accruing	1,302			1,902
Nonaccrual loans	1			1
Total retained credit card loans	$	127,993		$	132,175
Loan delinquency ratios
% of 30+ days past due to total retained loans	2.10		%	2.81		%
% of 90+ days past due to total retained loans	1.02			1.44
Credit card loans by geographic region
California	$	17,115		$	17,598
New York	10,379			10,594
Texas	10,209			10,239
Illinois	7,399			7,548
Florida	7,231			7,583
New Jersey	5,503			5,604
Ohio	4,956			5,202
Pennsylvania	4,549			4,779
Michigan	3,745			3,994
Virginia	3,193			3,298
All other	53,714			55,736
Total retained credit card loans	$	127,993		$	132,175
Percentage of portfolio based on carrying value with estimated refreshed FICO scores(a)
Equal to or greater than 660	84.1		%	81.4		%
Less than 660	15.9			18.6

(a) Refreshed FICO scores are estimated based on a statistically significant random sample of credit card accounts in the credit card portfolio for the periods shown. The Firm obtains refreshed FICO scores at least quarterly.

Impaired Financing Receivables [Table Text Block]

The table below sets forth information about the Firm’s impaired credit card loans. All of these loans are considered to be impaired as they have been modified in TDRs.

December 31, (in millions)	2012		2011
Impaired credit card loans with an   allowance(a)(b)
Credit card loans with modified payment terms(c)	$	4,189	$	6,075
Modified credit card loans that have reverted to pre-modification payment terms(d)	573		1,139
Total impaired credit card loans	$	4,762	$	7,214
Allowance for loan losses related to impaired credit card loans	$	1,681	$	2,727

(a) The carrying value and the unpaid principal balance are the same for credit card impaired loans.

(b) There were no impaired loans without an allowance.

(c) Represents credit card loans outstanding to borrowers enrolled in a credit card modification program as of the date presented.

(d) Represents credit card loans that were modified in TDRs but that have subsequently reverted back to the loans’ pre-modification payment terms. At December 31, 2012 and 2011, $341 million and $762 million, respectively, of loans have reverted back to the pre-modification payment terms of the loans due to noncompliance with the terms of the modified loans. The remaining $232 million and $377 million at December 31, 2012 and 2011, respectively, of these loans are to borrowers who have successfully completed a short-term modification program. The Firm continues to report these loans as TDRs since the borrowers’ credit lines remain closed.

Impaired Financing Receivables, Average Recorded Investment [Table Text Block]

The following table presents average balances of impaired credit card loans and interest income recognized on those loans.

Year ended December 31, (in millions)	2012		2011		2010
Average impaired credit card loans	$	5,893	$	8,499	$	10,730
Interest income on   impaired credit card loans	308		463		605

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following table provides information regarding the nature and extent of modifications of credit card loans for the periods presented.

Year ended December 31,	New enrollments
(in millions)	2012		2011
Short-term programs	$	47	$	167
Long-term programs	1,607		2,523
Total new enrollments	$	1,654	$	2,690

Troubled Debt Restructurings on Financing Receivables, Financial Effects of Modifications and Redefaults [Table Text Block]

The following table provides information about the financial effects of the concessions granted on credit card loans modified in TDRs and redefaults for the period presented.

Year ended December 31, (in millions, except weighted-average data)	2012			2011
Weighted-average interest rate of loans – before TDR	15.67		%	16.05		%
Weighted-average interest rate of loans – after TDR	5.19			5.28
Loans that redefaulted within one year of modification(a)	$	309		$	687

(a) Represents loans modified in TDRs that experienced a payment default in the period presented, and for which the payment default occurred within one year of the modification. The amounts presented represent the balance of such loans as of the end of the quarter in which they defaulted.

Wholesale

Loans and Leases Receivable Disclosure [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

(table continued from previous page)

Financial  institutions						Government agencies						Other(d)						Total retained loans
2012			2011			2012			2011			2012			2011			2012			2011
$	22,064		$	28,803		$	9,183		$	7,421		$	79,533		$	74,475		$	214,446		$	196,998
13,760			8,849			356			377			9,914			7,450			83,248			68,940
395			530			5			5			201			963			7,094			10,059
8			37			—			16			198			570			1,434			2,398
14,163			9,416			361			398			10,313			8,983			91,776			81,397
$	36,227		$	38,219		$	9,544		$	7,819		$	89,846		$	83,458		$	306,222		$	278,395
1.11		%	1.48		%	0.05		%	0.27		%	0.44		%	1.84		%	2.78		%	4.47		%
0.02			0.10			—			0.20			0.22			0.68			0.47			0.86
$	26,326		$	29,996		$	1,582		$	583		$	39,421		$	32,275		$	104,356		$	95,164
9,901			8,223			7,962			7,236			50,425			51,183			201,866			183,231
$	36,227		$	38,219		$	9,544		$	7,819		$	89,846		$	83,458		$	306,222		$	278,395
$	(36	)	$	(137	)	$	2		$	—		$	14		$	197		$	(178	)	$	440
(0.10		)%	(0.36		)%	0.02		%	—		%	0.02		%	0.24		%	(0.06		)%	0.16		%
$	36,151		$	38,129		$	9,516		$	7,780		$	88,177		$	81,802		$	302,692		$	274,158
62			51			28			23			1,427			1,072			1,958			1,739
6			2			—			—			44			14			138			100
8			37			—			16			198			570			1,434			2,398
$	36,227		$	38,219		$	9,544		$	7,819		$	89,846		$	83,458		$	306,222		$	278,395

The table below provides information by class of receivable for the retained loans in the Wholesale portfolio segment.

As of or for the year ended December 31, (in millions, except ratios)	Commercial and industrial						Real estate
	2012			2011			2012			2011
Loans by risk ratings
Investment grade	$	61,870		$	52,379		$	41,796		$	33,920
Noninvestment grade:
Noncriticized	44,651			37,870			14,567			14,394
Criticized performing	2,636			3,077			3,857			5,484
Criticized nonaccrual	708			889			520			886
Total noninvestment grade	47,995			41,836			18,944			20,764
Total retained loans	$	109,865		$	94,215		$	60,740		$	54,684
% of total criticized to total retained loans	3.04		%	4.21		%	7.21		%	11.65		%
% of nonaccrual loans to total retained loans	0.64			0.94			0.86			1.62
Loans by geographic distribution(a)
Total non-U.S.	$	35,494		$	30,813		$	1,533		$	1,497
Total U.S.	74,371			63,402			59,207			53,187
Total retained loans	$	109,865		$	94,215		$	60,740		$	54,684
Net charge-offs/(recoveries)	$	(212	)	$	124		$	54		$	256
% of net charge-offs/(recoveries) to end-of-period retained loans	(0.19		)%	0.13		%	0.09		%	0.47		%
Loan delinquency(b)
Current and less than 30 days past due and still accruing	$	109,019		$	93,060		$	59,829		$	53,387
30–89 days past due and still accruing	119			266			322			327
90 or more days past due and still accruing(c)	19			—			69			84
Criticized nonaccrual	708			889			520			886
Total retained loans	$	109,865		$	94,215		$	60,740		$	54,684

(a) The U.S. and non-U.S. distribution is determined based predominantly on the domicile of the borrower.

(b) The credit quality of wholesale loans is assessed primarily through ongoing review and monitoring of an obligor’s ability to meet contractual obligations rather than relying on the past due status, which is generally a lagging indicator of credit quality. For a discussion of more significant risk factors, see page 271 of this Note.

(c) Represents loans that are considered well-collateralized and therefore still accruing interest.

(d) Other primarily includes loans to SPEs and loans to private banking clients. See Note 1 on pages 193–194 of this Annual Report for additional information on SPEs.

Impaired Financing Receivables [Table Text Block]

The table below sets forth information about the Firm’s wholesale impaired loans.

December 31, (in millions)	Commercial and industrial				Real estate				Financial institutions				Government  agencies				Other				Total retained loans
	2012		2011		2012		2011		2012		2011		2012		2011		2012		2011		2012		2011
Impaired loans
With an allowance	$	588	$	828	$	375	$	621	$	6	$	21	$	—	$	16	$	122	$	473	$	1,091	$	1,959
Without an allowance(a)	173		177		133		292		2		18		—		—		76		103		384		590
Totalimpaired loans	$	761	$	1,005	$	508	$	913	$	8	$	39	$	—	$	16	$	198	$	576	$	1,475	$	2,549
Allowance for loan losses related to impaired loans	$	205	$	276	$	82	$	148	$	2	$	5	$	—	$	10	$	30	$	77	$	319	$	516
Unpaid principal balance of impaired loans(b)	957		1,705		626		1,124		22		63		—		17		318		1,008		1,923		3,917

(a) When the discounted cash flows, collateral value or market price equals or exceeds the recorded investment in the loan, then the loan does not require an allowance. This typically occurs when the impaired loans have been partially charged-off and/or there have been interest payments received and applied to the loan balance.

(b) Represents the contractual amount of principal owed at December 31, 2012 and 2011. The unpaid principal balance differs from the impaired loan balances due to various factors, including charge-offs; interest payments received and applied to the carrying value; net deferred loan fees or costs; and unamortized discount or premiums on purchased loans.

Impaired Financing Receivables, Average Recorded Investment [Table Text Block]

The following table presents the Firm’s average impaired loans for the years ended 2012, 2011 and 2010.

Year ended December 31, (in millions)	2012		2011		2010
Commercial and industrial	$	873	$	1,309	$	1,655
Real estate	784		1,813		3,101
Financial institutions	17		84		304
Government agencies	9		20		5
Other	277		634		884
Total(a)	$	1,960	$	3,860	$	5,949

(a) The related interest income on accruing impaired loans and interest income recognized on a cash basis were not material for the years ended December 31, 2012, 2011 and 2010.

Troubled Debt Restructurings on Financing Receivables, Roll Forward [Table Text Block]

The following table provides information about the Firm’s wholesale loans that have been modified in TDRs, including a reconciliation of the beginning and ending balances of such loans and information regarding the nature and extent of modifications during the periods presented.

Years ended December 31, (in millions)	Commercial and industrial						Real estate						Other(b)						Total
	2012			2011			2012			2011			2012			2011			2012			2011
Beginning balance of TDRs	$	531		$	212		$	176		$	907		$	43		$	24		$	750		$	1,143
New TDRs	162			$	665		43			113			73			32			278			810
Increases to existing TDRs	183			96			—			16			—			—			183			112
Charge-offs post-modification	(27		)	(30		)	(2		)	(146		)	(7		)	—			(36		)	(176		)
Sales and other(a)	(274		)	(412		)	(118		)	(714		)	(87		)	(13		)	(479		)	(1,139		)
Ending balance of TDRs	$	575		$	531		$	99		$	176		$	22		$	43		$	696		$	750
TDRs on nonaccrual status	$	522		$	415		$	92		$	128		$	22		$	35		$	636		$	578
Additional commitments to lend to borrowers whose loans have been modified in TDRs	44			147			—			—			2			—			46			147

(a) Sales and other are largely sales and paydowns, but also includes performing loans restructured at market rates that were removed from the reported TDR balance of $44 million and $152 million during the years ended December 31, 2012 and 2011, respectively.

(b) Includes loans to Financial institutions, Government agencies and Other.

Wholesale | Wholesale Real Estate [Member]

Loans and Leases Receivable Disclosure [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

(table continued from previous page)

Commercial construction and development						Other						Total real estate loans
2012			2011			2012			2011			2012			2011
$	2,989		$	3,148		$	5,053		$	4,568		$	60,740		$	54,684
119			304			189			422			4,377			6,370
3.98		%	9.66		%	3.74		%	9.24		%	7.21		%	11.65		%
$	21		$	69		$	43		$	121		$	520		$	886
0.70		%	2.19		%	0.85		%	2.65		%	0.86		%	1.62		%

The following table presents additional information on the real estate class of loans within the Wholesale portfolio segment for the periods indicated. The real estate class primarily consists of secured commercial loans mainly to borrowers for multi-family and commercial lessor properties. Multifamily lending specifically finances apartment buildings. Commercial lessors receive financing specifically for real estate leased to retail, office and industrial tenants. Commercial construction and development loans represent financing for the construction of apartments, office and professional buildings and malls. Other real estate loans include lodging, real estate investment trusts (“REITs”), single-family, homebuilders and other real estate.

December 31, (in millions, except ratios)	Multifamily						Commercial lessors
	2012			2011			2012			2011
Real estate retained loans	$	38,030		$	32,524		$	14,668		$	14,444
Criticized exposure	2,118			3,452			1,951			2,192
% of criticized exposure to total real estate retained loans	5.57		%	10.61		%	13.30		%	15.18		%
Criticized nonaccrual	$	249		$	412		$	207		$	284
% of criticized nonaccrual to total real estate retained loans	0.65		%	1.27		%	1.41		%	1.97		%