Deposits (Tables)

12 Months Ended

Dec. 31, 2012

At December 31, 2012 and 2011, noninterest-bearing and interest-bearing deposits were as follows.



December 31, (in millions)	2012		2011
U.S. offices
Noninterest-bearing	$	380,320	$	346,670
Interest-bearing
Demand^(a)	53,980		47,075
Savings^(b)	407,710		375,051
Time (included $5,140 and $3,861 at fair value)^(c)	90,416		82,738
Total interest-bearing deposits	552,106		504,864
Total deposits in U.S. offices	932,426		851,534
Non-U.S. offices
Noninterest-bearing	17,845		18,790
Interest-bearing
Demand	195,395		188,202
Savings	1,004		687
Time (included $593 and $1,072 at fair value)^(c)	46,923		68,593
Total interest-bearing deposits	243,322		257,482
Total deposits in non-U.S. offices	261,167		276,272
Total deposits	$	1,193,593	$	1,127,806


(a)	Includes Negotiable Order of Withdrawal (“NOW”) accounts, and certain trust accounts.


(b)	Includes Money Market Deposit Accounts (“MMDAs”).


(c)	Includes structured notes classified as deposits for which the fair value option has been elected. For further discussion, see Note 4 on pages 214–216 of this Annual Report.

At December 31, 2012 and 2011, time deposits in denominations of $100,000 or more were as follows.

At December 31, 2012, the maturities of interest-bearing time deposits were as follows.