Asset Quality and Allowances for Loan and Lease Losses and Unfunded Loan Commitments and Letters Of Credit (Tables)

9 Months Ended

Sep. 30, 2011

Asset Quality [Abstract]

Age Analysis of Past Due Accruing Loans

Age Analysis of Past Due Accruing Loans
			Accruing
			Current or Less											90 Days
			Than 30 Days				30-59 Days			60-89 Days				Or More				Total Past			Nonperforming				Purchased				Total
In millions			Past Due				Past Due			Past Due				Past Due				Due (a)			Loans				Impaired				Loans
September 30, 2011
	Commercial			$	60,843		$	163			$	54			$	34		$	251			$	994		$	162		$	62,250
	Commercial real estate				14,071			84				25				13			122				1,425			795			16,413
	Equipment lease financing				6,141			9				4				2			15				30						6,186
	Residential real estate (b)				8,128			319				191				2,135			2,645				722			3,160			14,655
	Home equity				29,387			177				101				206			484				484			2,808			33,163
	Credit card				3,668			39				26				45			110				7						3,785
	Other consumer (c)				17,367			216				143				333			692				30			2			18,091
		Total		$	139,605		$	1,007			$	544			$	2,768		$	4,319			$	3,692		$	6,927		$	154,543
	Percentage of total loans				90.34	%		.65	%			.35	%			1.79	%		2.79	%			2.39	%		4.48	%		100.00	%
December 31, 2010
	Commercial			$	53,273		$	251			$	92			$	59		$	402			$	1,253		$	249		$	55,177
	Commercial real estate				14,713			128				62				43			233				1,835			1,153			17,934
	Equipment lease financing				6,276			37				2				1			40				77						6,393
	Residential real estate (b)				9,150			331				225				2,121			2,677				818			3,354			15,999
	Home equity				30,334			159				91				174			424				448			3,020			34,226
	Credit card				3,765			46				32				77			155										3,920
	Other consumer (c)				16,312			260				101				234			595				35			4			16,946
		Total		$	133,823		$	1,212			$	605			$	2,709		$	4,526			$	4,466		$	7,780		$	150,595
	Percentage of total loans				88.86	%		.81	%			.40	%			1.80	%		3.01	%			2.97	%		5.16	%		100.00	%
(a)		Past due loan amounts exclude purchased impaired loans as they are considered current loans due to the accretion of interest income.
(b)		Past due loan amounts at September 30, 2011, include government insured or guaranteed residential real estate mortgages, totaling $.1 billion for 30 to 59 days past due, $.1
		billion for 60 to 89 days past due and $2.0 billion for 90 days or more past due. Past due loan amounts at December 31, 2010, include government insured or guaranteed
		residential real estate mortgages, totaling $.1 billion for 30 to 59 days past due, $.1 billion for 60 to 89 days past due and $2.0 billion for 90 days or more past due.
(c)		Past due loan amounts at September 30, 2011, include government insured or guaranteed other consumer loans, totaling $.2 billion for 30 to 59 days past due, $.1 billion for
		60 to 89 days past due and $.3 billion for 90 days or more past due. Past due loan amounts at December 31, 2010, include government insured or guaranteed other consumer
		loans, totaling $.2 billion for 30 to 59 days past due, $.1 billion for 60 to 89 days past due and $.2 billion for 90 days or more past due.

Nonperforming Assets

Nonperforming Assets
Dollars in millions				September 30, 2011				December 31, 2010
Nonperforming loans
	Commercial				$	994			$	1,253
	Commercial real estate					1,425				1,835
	Equipment lease financing					30				77
			TOTAL COMMERCIAL LENDING			2,449				3,165
	Consumer (a)
		Home equity				484				448
		Residential real estate (b)				722				818
		Credit card (c)				7
		Other consumer				30				35
			TOTAL CONSUMER LENDING			1,243				1,301
Total nonperforming loans (d)						3,692				4,466
OREO and foreclosed assets
	Other real estate owned (OREO) (e)					553				589
	Foreclosed and other assets					53				68
			TOTAL FORECLOSED AND OTHER ASSETS			606				657
Total nonperforming assets					$	4,298			$	5,123
Nonperforming loans to total loans						2.39	%			2.97	%
Nonperforming assets to total loans, OREO and foreclosed assets						2.77				3.39
Nonperforming assets to total assets						1.59				1.94
(a)	Excludes most consumer loans and lines of credit, not secured by residential real estate, which are charged off after 120 to 180 days past due and are not placed
	on nonperforming status.
(b)	Effective in 2011, nonperforming residential real estate excludes loans of $68 million accounted for under the fair value option as of September 30, 2011. The comparable balance at December 31, 2010 was not material.
(c)	Effective in the second quarter 2011, the commercial nonaccrual policy was applied to certain small business credit card balances. This change resulted in loans being placed on nonaccrual status when they become 90 days or more past due, rather than being excluded and charged off at 180 days past due.
(d)	Nonperforming loans do not include government insured or guaranteed loans, loans held for sale, loans accounted for under the fair value option and purchased impaired loans.
(e)	Other real estate owned excludes $256 million and $178 million at September 30, 2011, and December 31, 2010, respectively, related to serviced loans insured by the Federal
	Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA).

Commercial Lending Asset Quality Indicators

Commercial Lending Asset Quality Indicators
					Criticized Commercial Loans
				Pass		Special								Total
In millions				Rated (a)	Mention (b)		Substandard (c)			Doubtful (d)				Loans
September 30, 2011
	Commercial		$	56,815	$	1,712		$	3,279		$	282	$	62,088
	Commercial real estate			11,179		913			3,189			337		15,618
	Equipment lease financing			5,945		65			163			13		6,186
	Purchased impaired loans			109		37			603			208		957
		Total commercial lending (e)	$	74,048	$	2,727		$	7,234		$	840	$	84,849
December 31, 2010
	Commercial		$	48,556	$	1,926		$	3,883		$	563	$	54,928
	Commercial real estate			11,014		1,289			3,914			564		16,781
	Equipment lease financing			6,121		64			162			46		6,393
	Purchased impaired loans			106		35			883			378		1,402
		Total commercial lending (e)	$	65,797	$	3,314		$	8,842		$	1,551	$	79,504
(a)	Pass Rated loans include loans not classified as "Special Mention", "Substandard", or "Doubtful".
(b)	Special Mention rated loans have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration
	of repayment prospects at some future date. These loans do not expose us to sufficient risk to warrant adverse classification at this time.
(c)	Substandard rated loans have a well-defined weakness or weaknesses that jeopardize the collection or liquidation of debt. They are characterized by the distinct possibility
	that we will sustain some loss if the deficiencies are not corrected.
(d)	Doubtful rated loans possess all the inherent weaknesses of a Substandard loan with the additional characteristics that the weakness makes collection or liquidation in full
	improbable due to existing facts, conditions, and values.
(e)	Loans are included above based on their contractual terms as "Pass", "Special Mention", "Substandard" or "Doubtful".

Consumer Higher Risk Real Estate Secured Asset Quality Indicators

Consumer Higher Risk Real Estate Secured Asset Quality Indicators
				Higher Risk Loans (a)					All Other Loans				Home Equity and Residential Real Estate Loans
						% of Total					% of Total
Dollars in millions			Amount			Loans		Amount			Loans				Amount
September 30, 2011
	Home equity (b)			$	961	3	%		$	32,202	97	%		$	33,163
	Residential real estate (c)				553	4	%			14,102	96	%			14,655
		Total (d)		$	1,514	3	%		$	46,304	97	%		$	47,818
December 31, 2010
	Home equity (b)			$	1,203	4	%		$	33,023	96	%		$	34,226
	Residential real estate (c)				671	4	%			15,328	96	%			15,999
		Total (d)		$	1,874	4	%		$	48,351	96	%		$	50,225
(a)	Higher risk loans are defined as loans with both a recent FICO credit score of less than or equal to 660 and a LTV ratio greater than or equal to 90%. Higher risk loans
	exclude loans held for sale and government insured or guaranteed loans.
(b)	Within the higher risk home equity class at September 30, 2011, approximately 13% were in some stage of delinquency and 8% were in late stage (90+ days) delinquency status.
	The majority of the September 30, 2011 balance related to higher risk home equity loans is geographically distributed throughout the following areas: Pennsylvania 30%,
	Ohio 14%, New Jersey 11%, Illinois 7%, and Michigan 6%. All other states, none of which comprise more than 4%, make up the remainder of the balance.
	At December 31, 2010, approximately 10% were in some stage of delinquency and 6% were in late stage (90+ days) delinquency status. The majority of the December 31,
	2010 balance related to higher risk home equity loans is geographically distributed throughout the following areas: Pennsylvania 28%, Ohio 13%, New Jersey 11%, Illinois
	7%, Michigan 6%, and Kentucky 5%. All other states, none of which comprise more than 4% make up the remainder of the balance.
(c)	Within the higher risk residential real estate class at September 30, 2011, approximately 41% were in some stage of delinquency and 31% were in late stage (90+ days)
	delinquency status. The majority of the September 30, 2011 balance related to higher risk residential real estate loans is geographically distributed throughout the following
	areas: California 22%, Illinois 13%, Florida 10%, Maryland 7%, Pennsylvania 5%, and Ohio 5%. All other states, none of which comprise more than 4%, make up the remainder of
	the balance. At December 31, 2010, approximately 49% were in some stage of delinquency and 38% were in late stage (90+ days) delinquency status. The majority of the
	December 31, 2010 balance related to higher risk residential real estate loans is geographically distributed throughout the following areas: California 23%, Florida 11%,
	Illinois 11%, and Maryland 8%. All other states, none of which comprise more than 5%, make up the remainder of the balance.
(d)	Total loans include purchased impaired loans of $6.0 billion at September 30, 2011 and $6.4 billion at December 31, 2010.

Consumer Real Estate Secured High LTVs

Consumer Real Estate Secured High LTVs
				Loans with LTV > 100%
						% of Total
Dollars in millions			Amount			Loan Class
September 30, 2011
	Home equity			$	252	1	%
	Residential real estate				1,014	7	%
		Total		$	1,266	3	%
December 31, 2010
	Home equity			$	285	1	%
	Residential real estate				1,331	8	%
		Total		$	1,616	3	%

Credit Card and Other Consumer Loan Classes Asset Quality Indicators

Credit Card and Other Consumer Loan Classes Asset Quality Indicators
		Credit Card (a)				Other Consumer (b)
				% of Total Loans				% of Total Loans
				Using FICO				Using FICO
Dollars in millions			Amount	Credit Metric			Amount	Credit Metric
September 30, 2011
	FICO score greater than 719	$	1,929	51	%	$	5,284	62	%
	650 to 719		1,079	28			2,079	24
	620 to 649		186	5			325	4
	Less than 620		297	8			470	6
	No FICO score available or required (c)		294	8			337	4
Total loans using FICO credit metric			3,785	100	%		8,495	100	%
	Consumer loans using other internal credit metrics (b)						9,596
Total loan balance		$	3,785			$	18,091
Weighted-average current FICO score (d)				721				735
December 31, 2010
	FICO score greater than 719	$	1,895	48	%	$	4,135	58	%
	650 to 719		1,149	29			1,984	28
	620 to 649		183	5			295	4
	Less than 620		424	11			652	9
	No FICO score available or required (c)		269	7			81	1
Total loans using FICO credit metric			3,920	100	%		7,147	100	%
	Consumer loans using other internal credit metrics (b)						9,799
Total loan balance		$	3,920			$	16,946
Weighted-average current FICO score (d)				709				713
(a)	At September 30, 2011, we had $47 million of credit card loans that are higher risk (i.e., loans with both FICO scores less than 660 and in late stage (90+ days) delinquency
	status). The majority of the September 30, 2011 balance related to higher risk credit card loans is geographically distributed throughout the following areas: Ohio 20%,
	Pennsylvania 14%, Michigan 14%, Illinois 8%, and Indiana 7%. All other states, none of which comprise more than 6%, make up the remainder of the balance. At December
	31, 2010, we had $70 million of credit card loans that are higher risk. The majority of the December 31, 2010 balance related to higher risk credit card loans is geographically
	distributed throughout the following areas: Ohio 20%, Michigan 14%, Pennsylvania 14%, Illinois 8%, and Indiana 7%. All other states, none of which comprise
	more than 5%, make up the remainder of the balance.
(b)	Other consumer loans for which FICO scores are used as an asset quality indicator include non-government guaranteed or insured education loans, automobile loans
	and other secured and unsecured lines and loans. Other consumer loans for which other internal credit metrics are used as an asset quality indicator include primarily
	government guaranteed or insured education loans, as well as consumer loans to high net worth individuals. Other internal credit metrics may include delinquency status,
	geography or other factors.
(c)	Credit card loans and other consumer loans with no FICO score available or required refers to new accounts issued to borrowers with limited credit history, accounts for
	which we cannot obtain an updated FICO (e.g., recent profile changes), cards issued with a business name, and/or cards secured by collateral. Management proactively
	assesses the risk and size of this loan portfolio and, when necessary, takes actions to mitigate the credit risk.
(d)	Weighted-average current FICO score excludes accounts with no FICO score available or required.

Summary of Troubled Debt Restructuring

Summary of Troubled Debt Restructurings
			Sept. 30		Dec. 31
In millions			2011		2010
Total consumer lending		$	1,751	$	1,422
Total commercial lending			396		236
	Total TDRs	$	2,147	$	1,658
Nonperforming		$	1,062	$	784
Accruing (a)			780		543
Credit card (b)			305		331
	Total TDRs	$	2,147	$	1,658
(a)	Accruing loans have demonstrated a period of at least six months of performance under the restructured terms and are excluded from nonperforming loans.
(b)	Includes credit cards and certain small business and consumer credit agreements whose terms have been restructured and are TDRs. However, since our policy is to exempt these loans from being placed on nonaccrual status as permitted by regulatory guidance as generally these loans are directly charged off in the period that they become 180 days past due, these loans are excluded from nonperforming loans.

Financial Impact of TDRs

Financial Impact of TDRs (a)
Three months ended September 30, 2011				Pre-TDR Recorded		Post-TDR Recorded
Dollars in millions		Number of Loans			Investment	Investment
Commercial lending
	Commercial		168	$	45	$	38
	Commercial real estate		16		88		70
	Equipment lease financing (b)		2
TOTAL COMMERCIAL LENDING			186		133		108
Consumer lending
	Home equity		817		64		63
	Residential real estate		399		116		112
	Credit card		4,305		30		30
	Other consumer		129		3		3
TOTAL CONSUMER LENDING			5,650		213		208
	Total TDRs		5,836	$	346	$	316
Nine months ended September 30, 2011				Pre-TDR Recorded		Post-TDR Recorded
Dollars in millions		Number of Loans			Investment	Investment
Commercial lending
	Commercial		486	$	101	$	82
	Commercial real estate		57		233		198
	Equipment lease financing (b)		2
TOTAL COMMERCIAL LENDING			545		334		280
Consumer lending
	Home equity		3,259		264		263
	Residential real estate		1,298		316		293
	Credit card		15,943		105		105
	Other consumer		303		8		8
TOTAL CONSUMER LENDING			20,803		693		669
	Total TDRs		21,348	$	1,027	$	949
(a)	Impact of partial charge offs at TDR date are included in this table.
(b)	Pre-TDR and Post-TDR amounts each total less than $1 million.

TDRs by Type

TDRs by Type
		Post-TDR Recorded Investment
Three months ended September 30, 2011
Dollars in millions			Principal Forgiveness		Rate Reduction			Other	Total
Commercial lending
	Commercial		$	1	$	14	$	23	$	38
	Commercial real estate			29		26		15		70
TOTAL COMMERCIAL LENDING (a)				30		40		38		108
Consumer lending
	Home equity					52		11		63
	Residential real estate					70		42		112
	Credit card					30				30
	Other consumer							3		3
TOTAL CONSUMER LENDING						152		56		208
	Total TDRs		$	30	$	192	$	94	$	316
		Post-TDR Recorded Investment
Nine months ended September 30, 2011
Dollars in millions			Principal Forgiveness		Rate Reduction			Other	Total
Commercial lending
	Commercial		$	11	$	24	$	47	$	82
	Commercial real estate			64		97		37		198
TOTAL COMMERCIAL LENDING (a)				75		121		84		280
Consumer lending
	Home equity					240		23		263
	Residential real estate					210		83		293
	Credit card					105				105
	Other consumer					1		7		8
TOTAL CONSUMER LENDING						556		113		669
	Total TDRs		$	75	$	677	$	197	$	949
(a)	Excludes less than $1 million of Equipment lease financing in Other TDRs.

TDRs which have Subsequently Defaulted

TDRs which have Subsequently Defaulted
Three months ended September 30, 2011
Dollars in millions		Number of Contracts		Recorded Investment
Commercial lending
	Commercial		20	$	16
	Commercial real estate		10		60
TOTAL COMMERCIAL LENDING			30		76
Consumer lending
	Home equity		291		23
	Residential real estate		141		32
	Credit card		26,473		19
	Other consumer (a)		14
TOTAL CONSUMER LENDING			26,919		74
	Total TDRs		26,949	$	150
Nine months ended September 30, 2011
Dollars in millions		Number of Contracts		Recorded Investment
Commercial lending
	Commercial		30	$	39
	Commercial real estate		29		111
TOTAL COMMERCIAL LENDING			59		150
Consumer lending
	Home equity		884		66
	Residential real estate		246		60
	Credit card		37,852		27
	Other consumer (a)		17
TOTAL CONSUMER LENDING			38,999		153
	Total TDRs		39,058	$	303
(a)	Excludes less than $1 million of recorded investment.

Rollforward of Allowance for Loan and Lease Losses and Associated Loan Data

Rollforward of Allowance for Loan and Lease Losses and Associated Loan Data
				Commercial			Consumer
In millions				Lending			Lending				Total
September 30, 2011
	ALLOWANCE FOR LOAN AND LEASE LOSSES
		January 1		$	2,567		$	2,320		$	4,887
		Charge-offs			(959)			(823)			(1,782)
		Recoveries			358			112			470
			Net charge-offs		(601)			(711)			(1,312)
		Provision for credit losses			268			694			962
		Net change in allowance for unfunded loan commitments and letters of credit			(13)			(16)			(29)
		Other			(1)						(1)
			September 30	$	2,220		$	2,287		$	4,507
		TDRs individually evaluated for impairment		$	28		$	511		$	539
		Other loans individually evaluated for impairment			583						583
		Loans collectively evaluated for impairment			1,366			1,033			2,399
		Purchased impaired loans			243			743			986
			September 30	$	2,220		$	2,287		$	4,507
	LOAN PORTFOLIO
		TDRs individually evaluated for impairment		$	396		$	1,751		$	2,147
		Other loans individually evaluated for impairment			2,076						2,076
		Loans collectively evaluated for impairment			81,420			61,973			143,393
		Purchased impaired loans			957			5,970			6,927
			September 30	$	84,849		$	69,694		$	154,543
	Segment ALLL as a percentage of total ALLL				49.26	%		50.74	%		100.00	%
	Ratio of the allowance for loan and lease losses to total loans				2.62	%		3.28	%		2.92	%
September 30, 2010
	ALLOWANCE FOR LOAN AND LEASE LOSSES
		January 1		$	3,345		$	1,727		$	5,072
		Charge-offs			(1,476)			(1,092)			(2,568)
		Recoveries			318			105			423
			Net charge-offs		(1,158)			(987)			(2,145)
		Provision for credit losses			660			1,400			2,060
		Adoption of ASU 2009-17, Consolidations						141			141
		Net change in allowance for unfunded loan commitments and letters of credit			103						103
			September 30	$	2,950		$	2,281		$	5,231
		TDRs individually evaluated for impairment		$	16		$	425		$	441
		Other loans individually evaluated for impairment			959						959
		Loans collectively evaluated for impairment			1,627			1,298			2,925
		Purchased impaired loans			348			558			906
			September 30	$	2,950		$	2,281		$	5,231
	LOAN PORTFOLIO
		TDRs individually evaluated for impairment		$	108		$	1,226		$	1,334
		Other loans individually evaluated for impairment			3,446						3,446
		Loans collectively evaluated for impairment			73,574			63,643			137,217
		Purchased impaired loans			1,559			6,571			8,130
			September 30	$	78,687		$	71,440		$	150,127
	Segment ALLL as a percentage of total ALLL				56.39	%		43.61	%		100.00	%
	Ratio of the allowance for loan and lease losses to total loans				3.75	%		3.19	%		3.48	%

Impaired Loans

Impaired Loans
			Unpaid							Average
			Principal		Recorded		Associated			Recorded
In millions			Balance		Investment (a)		Allowance (b)			Investment (a)
September 30, 2011
	Impaired loans with an associated allowance
		Commercial	$	1,264	$	872		$	274	$	1,027
		Commercial real estate		1,504		1,032			337		1,298
		Residential real estate		823		694			172		578
		Home equity		755		741			266		687
		Credit card		272		272			68		287
		Other consumer		44		44			5		37
	Total impaired loans with an associated allowance		$	4,662	$	3,655		$	1,122	$	3,914
	Impaired loans without an associated allowance
		Commercial	$	368	$	128				$	99
		Commercial real estate		674		440					431
	Total impaired loans without an associated allowance		$	1,042	$	568				$	530
	Total impaired loans		$	5,704	$	4,223		$	1,122	$	4,444
December 31, 2010
	Impaired loans with an associated allowance
		Commercial	$	1,769	$	1,178		$	410	$	1,533
		Commercial real estate		1,927		1,446			449		1,732
		Residential real estate		521		465			122		309
		Home equity		622		622			207		448
		Credit card		301		301			149		275
		Other consumer		34		34			7		30
	Total impaired loans with an associated allowance		$	5,174	$	4,046		$	1,344	$	4,327
	Impaired loans without an associated allowance
		Commercial	$	87	$	75				$	90
		Commercial real estate		525		389					320
	Total impaired loans without an associated allowance		$	612	$	464				$	410
	Total impaired loans		$	5,786	$	4,510		$	1,344	$	4,737
(a)	Recorded investment in a loan includes the unpaid principal balance plus accrued interest and net accounting adjustments, less any charge-offs. Recorded investment does not
	include any associated valuation allowance. Average recorded investment is for the nine months ended September 30, 2011, and year ended December 31, 2010.
(b)	Associated allowance amounts include $539 million and $509 million for TDRs at September 30, 2011, and December 31, 2010, respectively.

Rollforward of Allowance for Unfunded Loan Commitments and Letters of Credit

Rollforward of Allowance for Unfunded Loan Commitments and Letters of Credit
In millions			2011		2010
January 1		$	188	$	296
Net change in allowance for unfunded loan commitments and letters of credit			29		(103)
	September 30	$	217	$	193