Share-Based Compensation Plans (Tables)

9 Months Ended

Sep. 30, 2012

Amounts of Share-Based Compensation Cost Recorded in Consolidated Statement of Income

	Three Months Ended     September 30,				Nine Months Ended     September 30,
($ in millions)	2012		2011		2012		2011
Pretax share-based compensation expense	$	88	$	86	$	257	$	287
Income tax benefit		(28)		(30)		(81)		(99)
Total share-based compensation expense, net of taxes	$	60	$	56	$	176	$	188

Assumptions Used to Determine Weighted-Average Fair Value of Options Granted

	Nine Months Ended     September 30,
	2012		2011
Expected dividend yield		4.4%		4.3%
Risk-free interest rate		1.3%		2.6%
Expected volatility		25.3%		23.2%
Expected life (years)		7.0		7.0