Asset Quality (Tables)

6 Months Ended

Jun. 30, 2013

Asset Quality [Abstract]

Age Analysis of Past Due Accruing Loans

Table 65: Age Analysis of Past Due Accruing Loans (a)
			Accruing
				Current or Less									90 Days											Fair Value Option
				Than 30 Days		30-59 Days			60-89 Days				Or More				Total Past			Nonperforming				Nonaccrual				Purchased				Total
In millions				Past Due		Past Due			Past Due				Past Due				Due (b)			Loans				Loans (c)				Impaired				Loans
June 30, 2013
	Commercial		$	86,009		$	85			$	53			$	31		$	169			$	521						$	231		$	86,930
	Commercial real estate			17,527			66				22							88				639							737			18,991
	Equipment lease financing			7,336			2				4							6				7										7,349
	Home equity (d )			32,707			76				29							105				1,131							2,473			36,416
	Residential real estate (d)(e)			8,464			230				108				1,376			1,714				962			$	301			3,336			14,777
	Credit card			4,052			27				19				33			79				4										4,135
	Other consumer (d )(f)			20,483			200				114				322			636				57							1			21,177
		Total	$	176,578		$	686			$	349			$	1,762		$	2,797			$	3,321			$	301		$	6,778		$	189,775
	Percentage of total loans			93.05	%		.36	%			.18	%			.93	%		1.47	%			1.75	%			.16	%		3.57	%		100.00	%
December 31, 2012
	Commercial		$	81,930		$	115			$	55			$	42		$	212			$	590						$	308		$	83,040
	Commercial real estate			16,735			100				57				15			172				807							941			18,655
	Equipment lease financing			7,214			17				1				2			20				13										7,247
	Home equity			32,174			117				58							175				951							2,620			35,920
	Residential real estate (e)			8,464			278				146				1,901			2,325				845			$	70			3,536			15,240
	Credit card			4,205			34				23				36			93				5										4,303
	Other consumer (f)			20,663			258				131				355			744				43							1			21,451
		Total	$	171,385		$	919			$	471			$	2,351		$	3,741			$	3,254			$	70		$	7,406		$	185,856
	Percentage of total loans			92.21	%		.49	%			.25	%			1.26	%		2.00	%			1.75	%			.05	%		3.99	%		100.00	%
(a)		Amounts in table represent recorded investment and exclude loans held for sale.
(b)		Past due loan amounts exclude purchased impaired loans, even if contractually past due (or if we do not expect to receive payment in full based on the original contractual terms), as we are currently accreting interest income over the expected life of the loans.
(c)		Consumer loans accounted for under the fair value option which we do not expect to collect substantially all principal and interest are subject to nonaccrual accounting and classification upon meeting any of our nonaccrual policies. Given that these loans are not accounted for at amortized cost, these loans have been excluded from the nonperforming loan population.
(d)		Pursuant to alignment with interagency supervisory guidance on practices for loans and lines of credit related to consumer lending in the first quarter of 2013, accruing consumer loans past due 30 - 59 days decreased $44 million, accruing consumer loans past due 60 - 89 days decreased $36 million and accruing consumer loans past due 90 days or more decreased $315 million, of which $295 million related to Residential real estate government insured loans. As part of this alignment, these loans were moved into nonaccrual status.
(e)		Past due loan amounts at June 30, 2013, 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 $1.3 billion for 90 days or more past due. Past due loan amounts at December 31, 2012, 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 $1.9 billion for 90 days or more past due.
(f)		Past due loan amounts at June 30, 2013, include government insured or guaranteed Other consumer loans, totaling $.1 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, 2012, 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.

Nonperforming Assets

Table 66: Nonperforming Assets
				June 30			December 31
Dollars in millions					2013			2012
Nonperforming loans
	Commercial lending
		Commercial		$	521		$	590
		Commercial real estate			639			807
		Equipment lease financing			7			13
			Total commercial lending		1,167			1,410
	Consumer lending (a)
		Home equity (b)			1,131			951
		Residential real estate (b)			962			845
		Credit card			4			5
		Other consumer (b)			57			43
			Total consumer lending		2,154			1,844
Total nonperforming loans (c)					3,321			3,254
OREO and foreclosed assets
	Other real estate owned (OREO) (d)				432			507
	Foreclosed and other assets				25			33
			Total OREO and foreclosed assets		457			540
Total nonperforming assets				$	3,778		$	3,794
Nonperforming loans to total loans					1.75	%		1.75	%
Nonperforming assets to total loans, OREO and foreclosed assets					1.99			2.04
Nonperforming assets to total assets					1.24			1.24
(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)	Pursuant to alignment with interagency supervisory guidance on practices for loans and lines of credit related to consumer lending in the first quarter of 2013, nonperforming home equity loans increased $214 million, nonperforming residential mortgage loans increased $187 million and nonperforming other consumer loans increased $25 million. Charge-offs have been taken on these loans where the fair value less costs to sell the collateral was less than the recorded investment of the loan and were $134 million.
(c)	Nonperforming loans exclude certain government insured or guaranteed loans, loans held for sale, loans accounted for under the fair value option and purchased impaired loans.
(d)	OREO excludes $311 million and $380 million at June 30, 2013 and December 31, 2012, respectively, related to residential real estate that was acquired by us upon foreclosure of serviced loans because they are insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA).

Commercial Lending Asset Quality Indicators

Table 67: Commercial Lending Asset Quality Indicators (a)
					Criticized Commercial Loans
				Pass	Special									Total
In millions				Rated (b)	Mention (c)		Substandard (d)			Doubtful (e)				Loans
June 30, 2013
	Commercial		$	82,619	$	1,607		$	2,363		$	110	$	86,699
	Commercial real estate			16,344		399			1,382			129		18,254
	Equipment lease financing			7,169		99			79			2		7,349
	Purchased impaired loans			31		42			732			163		968
		Total commercial lending (f) (g)	$	106,163	$	2,147		$	4,556		$	404	$	113,270
December 31, 2012
	Commercial		$	78,048	$	1,939		$	2,600		$	145	$	82,732
	Commercial real estate			14,898		804			1,802			210		17,714
	Equipment lease financing			7,062		68			112			5		7,247
	Purchased impaired loans			49		60			852			288		1,249
		Total commercial lending (f)	$	100,057	$	2,871		$	5,366		$	648	$	108,942
(a)	Based upon PDs and LGDs.
(b)	Pass Rated loans include loans not classified as "Special Mention", "Substandard", or "Doubtful".
(c)	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 a more adverse classification at this time.
(d)	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.
(e)	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.
(f)	Loans are included above based on their contractual terms as "Pass", "Special Mention", "Substandard" or "Doubtful".
(g)	We began to refine our process for categorizing commercial loans in the second quarter of 2013 in order to apply a split rating classification to certain loans meeting threshold criteria. By assigning split classifications, a loan's exposure amount may be split into more than one classification category in the above table. This refinement is expected to be completed by the fourth quarter of 2013.

Home Equity and Residential Real Estate Balances

Table 68: Home Equity and Residential Real Estate Balances
			June 30			December 31
In millions				2013		2012
	Home equity and residential real estate loans - excluding purchased impaired loans (a)		$	43,372	$	42,725
	Home equity and residential real estate loans - purchased impaired loans (b)			6,094		6,638
	Government insured or guaranteed residential real estate mortgages (a)			2,012		2,279
	Purchase accounting adjustments - purchased impaired loans			(285)		(482)
		Total home equity and residential real estate loans (a)	$	51,193	$	51,160
(a)	Represents recorded investment.
(b)	Represents outstanding balance.

Home Equity and Residential Real Estate Asset Quality Indicators

Table 69: Home Equity and Residential Real Estate Asset Quality Indicators – Excluding Purchased Impaired Loans (a) (b)
			Home Equity				Residential Real Estate
June 30, 2013 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (c) (d)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	455	$	2,446	$	778	$	3,679
		Less than or equal to 660 (e) (f)		74		492		245		811
		Missing FICO		1		10		26		37
	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		1,057		3,308		1,212		5,577
		Less than or equal to 660 (e) (f)		162		560		244		966
		Missing FICO		2		6		34		42
	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		1,076		2,095		838		4,009
		Less than or equal to 660		137		308		148		593
		Missing FICO		2		5		25		32
	Less than 90% and updated FICO scores:
		Greater than 660		12,360		7,151		4,994		24,505
		Less than or equal to 660		1,256		942		637		2,835
		Missing FICO		24		14		248		286
Total home equity and residential real estate loans			$	16,606	$	17,337	$	9,429	$	43,372

			Home Equity				Residential Real Estate
December 31, 2012 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (c)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	470	$	2,772	$	667	$	3,909
		Less than or equal to 660 (d) (e)		84		589		211		884
		Missing FICO		1		10		19		30
	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		1,027		3,636		1,290		5,953
		Less than or equal to 660 (d) (e)		159		641		253		1,053
		Missing FICO		3		6		45		54
	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		1,056		2,229		1,120		4,405
		Less than or equal to 660		130		319		164		613
		Missing FICO		1		5		23		29
	Less than 90% and updated FICO scores:
		Greater than 660		10,736		7,255		4,701		22,692
		Less than or equal to 660		1,214		921		621		2,756
		Missing FICO		23		13		269		305
	Missing LTV and updated FICO scores:
		Missing FICO						42		42
Total home equity and residential real estate loans			$	14,904	$	18,396	$	9,425	$	42,725
(a)	Excludes purchased impaired loans of approximately $5.8 billion and $6.2 billion in recorded investment, certain government insured or guaranteed residential real estate mortgages of approximately $2.0 billion and $2.3 billion, and loans held for sale at June 30, 2013 and December 31, 2012, respectively. See the Home Equity and Residential Real Estate Asset Quality Indicators - Purchased Impaired Loans table below for additional information on purchased impaired loans.
(b)	Amounts shown represent recorded investment.
(c)	Based upon updated LTV (inclusive of combined loan-to-value (CLTV) for first and subordinate lien positions). Updated LTV are estimated using modeled property values. These ratios are updated at least semi-annually. The related estimates and inputs are based upon an approach that uses a combination of third-party automated valuation models (AVMs), HPI indices, property location, internal and external balance information, origination data and management assumptions. In cases where we are in an originated second lien position, we generally utilize origination balances provided by a third-party which do not include an amortization assumption when calculating updated LTV. Accordingly, the results of these calculations do not represent actual appraised loan level collateral or updated LTV based upon a current first lien balance, and as such, are necessarily imprecise and subject to change as we enhance our methodology. In the second quarter of 2013, we enhanced our CLTV determination process by further refining the data and correcting certain methodological inconsistencies. As a result, the amounts in the December 31, 2012 table above have been updated.
(d)	Higher risk loans are defined as loans with both an updated FICO score of less than or equal to 660 and an updated LTV greater than or equal to 100%.
(e)	The following states have the highest percentage of higher risk loans at June 30, 2013: New Jersey 13%, Illinois 12%, Pennsylvania 11%, Ohio 10%, Florida 9%, California 6%, Michigan 6% and Maryland 6%. The remainder of the states have lower than 4% of the high risk loans individually, and collectively they represent approximately 27% of the higher risk loans. The following states had the highest percentage of higher risk loans at December 31, 2012: New Jersey 14%, Illinois 11%, Pennsylvania 11%, Ohio 10%, Florida 9%, California 6%, Maryland 6%, and Michigan 5%. The remainder of the states have lower than 4% of the high risk loans individually, and collectively they represent approximately 28% of the higher risk loans.

Table 70: Home Equity and Residential Real Estate Asset Quality Indicators – Purchased Impaired Loans (a)
			Home Equity (b) (c)				Residential Real Estate (b) (c)
June 30, 2013 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (d)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	15	$	673	$	488	$	1,176
		Less than or equal to 660		16		316		391		723
		Missing FICO				17		31		48
	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		23		550		390		963
		Less than or equal to 660		18		246		323		587
		Missing FICO		1		16		18		35
	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		12		145		217		374
		Less than or equal to 660		13		89		162		264
		Missing FICO				7		11		18
	Less than 90% and updated FICO scores:
		Greater than 660		92		189		626		907
		Less than or equal to 660		135		169		599		903
		Missing FICO		1		8		38		47
	Missing LTV and updated FICO scores:
		Greater than 660		2				19		21
		Less than or equal to 660		1				17		18
		Missing FICO				3		7		10
Total home equity and residential real estate loans			$	329	$	2,428	$	3,337	$	6,094

			Home Equity (b) (c )				Residential Real Estate (b) (c)
December 31, 2012 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (d)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	17	$	791	$	597	$	1,405
		Less than or equal to 660		17		405		498		920
		Missing FICO				23		46		69
	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		26		552		435		1,013
		Less than or equal to 660		20		269		383		672
		Missing FICO				18		23		41
	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		14		140		216		370
		Less than or equal to 660		14		99		182		295
		Missing FICO				7		11		18
	Less than 90% and updated FICO scores:
		Greater than 660		86		174		589		849
		Less than or equal to 660		142		163		598		903
		Missing FICO		2		8		39		49
	Missing LTV and updated FICO scores:
		Greater than 660						18		18
		Less than or equal to 660						7		7
		Missing FICO						9		9
Total home equity and residential real estate loans			$	338	$	2,649	$	3,651	$	6,638
(a)	Amounts shown represent outstanding balance. See Note 6 Purchased Loans for additional information.
(b)	For the estimate of cash flows utilized in our purchased impaired loan accounting, other assumptions and estimates are made, including amortization of first lien balances, pre-payment rates, etc., which are not reflected in this table.
(c)	The following states have the highest percentage of loans at June 30, 2013: California 18%, Florida 15%, Illinois 11%, Ohio 7%, North Carolina 6%, Michigan 5%, and Georgia 4%, respectively. The remainder of the states have lower than a 4% concentration of purchased impaired loans individually, and collectively they represent approximately 34% of the purchased impaired portfolio. The following states have the highest percentage of loans at December 31, 2012: California 18%, Florida 15%, Illinois 12%, Ohio 7%, North Carolina 6% and Michigan 5% The remainder of the states have lower than a 4% concentration of purchased impaired loans individually, and collectively they represent approximately 37% of the purchased impaired portfolio.
(d)	Based upon updated LTV (inclusive of combined loan-to-value (CLTV) for first and subordinate lien positions). Updated LTV are estimated using modeled property values. These ratios are updated at least semi-annually. The related estimates and inputs are based upon an approach that uses a combination of third-party automated valuation models (AVMs), HPI indices, property location, internal and external balance information, origination data and management assumptions. In cases where we are in an originated second lien position, we generally utilize origination balances provided by a third-party which do not include an amortization assumption when calculating updated LTV. Accordingly, the results of these calculations do not represent actual appraised loan level collateral or updated LTV based upon a current first lien balance, and as such, are necessarily imprecise and subject to change as we enhance our methodology. In the second quarter of 2013, we enhanced our CLTV determination process by further refining the data and correcting certain methodological inconsistencies. As a result, the amounts in the December 31, 2012 table above have been updated.

Credit Card and Other Consumer Loan Classes Asset Quality Indicators

Table 71: 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
June 30, 2013
	FICO score greater than 719	$	2,178	53	%	$	7,709	63	%
	650 to 719		1,153	28			3,225	25
	620 to 649		180	4			467	4
	Less than 620		240	6			554	5
	No FICO score available or required (c)		384	9			351	3
Total loans using FICO credit metric			4,135	100	%		12,306	100	%
	Consumer loans using other internal credit metrics (b)						8,871
Total loan balance		$	4,135			$	21,177
Weighted-average updated FICO score (d)				727				741
December 31, 2012
	FICO score greater than 719	$	2,247	52	%	$	7,006	60	%
	650 to 719		1,169	27			2,896	25
	620 to 649		188	5			459	4
	Less than 620		271	6			602	5
	No FICO score available or required (c)		428	10			741	6
Total loans using FICO credit metric			4,303	100	%		11,704	100	%
	Consumer loans using other internal credit metrics (b)						9,747
Total loan balance		$	4,303			$	21,451
Weighted-average updated FICO score (d)				726				739
(a)	At June 30, 2013, we had $33 million of credit card loans that are higher risk (i.e., loans with both updated FICO scores less than 660 and in late stage (90+ days)
	delinquency status). The majority of the June 30, 2013 balance related to higher risk credit card loans is geographically distributed throughout the following areas: Ohio
	19%, Pennsylvania 15%, Michigan 12%, Illinois 7%, Indiana 6%, Florida 5%, New Jersey 5% and Kentucky 5%. All other states have less than 4% individually and
	make up the remainder of the balance. At December 31, 2012, we had $36 million of credit card loans that are higher risk. The majority of the December 31,
	2012 balance related to higher risk credit card loans is geographically distributed throughout the following areas: Ohio 18%, Pennsylvania 14%, Michigan 12%, Illinois 8%,
	Indiana 6%, Florida 6%, New Jersey 5%, Kentucky 4% and North Carolina 4%. All other states have less than 3% individually and make up the remainder of the balance.
(b)	Other consumer loans for which updated 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 updated FICO score excludes accounts with no FICO score available or required.

Summary of Troubled Debt Restructurings

Table 72: Summary of Troubled Debt Restructurings
			June 30		Dec. 31
In millions			2013		2012
Total consumer lending		$	2,243	$	2,318
Total commercial lending			599		541
	Total TDRs	$	2,842	$	2,859
Nonperforming		$	1,531	$	1,589
Accruing (a)			1,103		1,037
Credit card (b)			208		233
	Total TDRs	$	2,842	$	2,859
(a)	Accruing loans have demonstrated a period of at least six months of performance under the restructured terms and are excluded from nonperforming loans. Loans where borrowers have been discharged from personal liability through Chapter 7 bankruptcy and have not formally reaffirmed their loan obligation to PNC are not returned to accrual status.
(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 and TDRs by Concession Type

Table 73: Financial Impact and TDRs by Concession Type (a)
				Pre-TDR		Post-TDR Recorded Investment (c)
During the three months ended June 30, 2013		Number		Recorded			Principal		Rate
Dollars in millions		of Loans		Investment (b)			Forgiveness		Reduction		Other		Total
Commercial lending
	Commercial		47	$	48		$	4	$	2	$	28	$	34
	Commercial real estate		30		50			6		2		27		35
	Equipment lease financing		5		23					11		1		12
Total commercial lending			82		121			10		15		56		81
Consumer lending
	Home equity		1,410		98					43		39		82
	Residential real estate		285		32					7		25		32
	Credit card		2,288		18					17				17
	Other consumer		783		9					1		6		7
Total consumer lending			4,766		157					68		70		138
	Total TDRs		4,848	$	278		$	10	$	83	$	126	$	219
During the three months ended June 30, 2012
Dollars in millions
Commercial lending
	Commercial		33	$	102		$	1	$	40	$	42	$	83
	Commercial real estate		13		26			8		5		9		22
	Equipment lease financing		1		3			1						1
Total commercial lending			47		131			10		45		51		106
Consumer lending
	Home equity		1,083		69					60		8		68
	Residential real estate		200		41					18		20		38
	Credit card		2,268		17					16				16
	Other consumer		61		1							1		1
Total consumer lending			3,612		128					94		29		123
	Total TDRs		3,659	$	259		$	10	$	139	$	80	$	229

				Pre-TDR		Post-TDR Recorded Investment (c)
During the six months ended June 30, 2013		Number		Recorded			Principal		Rate
Dollars in millions		of Loans		Investment (b)			Forgiveness		Reduction		Other		Total
Commercial lending
	Commercial		78	$	86		$	4	$	4	$	50	$	58
	Commercial real estate		65		183			12		42		102		156
	Equipment lease financing		7		29					11		2		13
Total commercial lending			150		298			16		57		154		227
Consumer lending
	Home equity		3,715		217					82		88		170
	Residential real estate		609		78					19		58		77
	Credit card		4,663		35					33				33
	Other consumer		1,425		19					1		15		16
Total consumer lending			10,412		349					135		161		296
	Total TDRs		10,562	$	647		$	16	$	192	$	315	$	523
During the six months ended June 30, 2012
Dollars in millions
Commercial lending
	Commercial		137	$	128		$	3	$	44	$	53	$	100
	Commercial real estate		34		100			17		43		29		89
	Equipment lease financing		6		18			1				11		12
Total commercial lending			177		246			21		87		93		201
Consumer lending
	Home equity		2,186		143					112		30		142
	Residential real estate		382		74					29		42		71
	Credit card		4,651		35					33				33
	Other consumer		413		10					1		9		10
Total consumer lending			7,632		262					175		81		256
	Total TDRs		7,809	$	508		$	21	$	262	$	174	$	457
(a)	Impact of partial charge-offs at TDR date are included in this table.
(b)	Represents the recorded investment of the loans as of the quarter end prior to TDR designation, and excludes immaterial amounts of accrued interest receivable.
(c)	Represents the recorded investment of the TDRs as of the quarter end the TDR occurs, and excludes immaterial amounts of accrued interest receivable.

TDRs which have Subsequently Defaulted

Table 74: TDRs which have Subsequently Defaulted
During the three months ended June 30, 2013
Dollars in millions		Number of Contracts		Recorded Investment
Commercial lending
	Commercial		11	$	8
	Commercial real estate		12		21
Total commercial lending (a)			23		29
Consumer lending
	Home equity		402		26
	Residential real estate		251		35
	Credit card		1,225		9
	Other consumer		55		1
Total consumer lending			1,933		71
	Total TDRs		1,956	$	100
During the three months ended June 30, 2012
Dollars in millions		Number of Contracts		Recorded Investment
Commercial lending
	Commercial		27	$	5
	Commercial real estate		15		35
	Equipment lease financing		5		11
Total commercial lending			47		51
Consumer lending
	Home equity		161		14
	Residential real estate		144		23
	Credit card		2,114		15
	Other consumer		39		1
Total consumer lending			2,458		53
	Total TDRs		2,505	$	104

During the six months ended June 30, 2013
Dollars in millions		Number of Contracts		Recorded Investment
Commercial lending
	Commercial		26	$	18
	Commercial real estate		18		31
Total commercial lending (a)			44		49
Consumer lending
	Home equity		565		37
	Residential real estate		353		49
	Credit card		2,373		18
	Other consumer		88		2
Total consumer lending			3,379		106
	Total TDRs		3,423	$	155
During the six months ended June 30, 2012
Dollars in millions		Number of Contracts		Recorded Investment
Commercial lending
	Commercial		58	$	15
	Commercial real estate		23		40
	Equipment lease financing		5		11
Total commercial lending			86		66
Consumer lending
	Home equity		366		33
	Residential real estate		307		46
	Credit card		2,815		20
	Other consumer		76		3
Total consumer lending			3,564		102
	Total TDRs		3,650	$	168
(a)	During the three and six months ended June 30, 2013, there were no loans classified as TDRs in the Equipment lease financing loan class that have subsequently defaulted.

Impaired Loans

Table 75: Impaired Loans
			Unpaid							Average
			Principal		Recorded		Associated			Recorded
In millions			Balance		Investment (a)		Allowance (b)			Investment (a)
June 30, 2013
	Impaired loans with an associated allowance
		Commercial	$	636	$	444		$	117	$	475
		Commercial real estate		702		481			111		548
		Home equity		1,033		1,012			354		1,014
		Residential real estate		589		479			86		589
		Credit card		209		208			39		202
		Other consumer		64		53			3		73
	Total impaired loans with an associated allowance		$	3,233	$	2,677		$	710	$	2,901
	Impaired loans without an associated allowance
		Commercial	$	376	$	155				$	141
		Commercial real estate		531		359					363
		Home equity		292		118					107
		Residential real estate		395		373					279
	Total impaired loans without an associated allowance		$	1,594	$	1,005				$	890
	Total impaired loans		$	4,827	$	3,682		$	710	$	3,791
December 31, 2012
	Impaired loans with an associated allowance
		Commercial	$	824	$	523		$	150	$	653
		Commercial real estate		851		594			143		778
		Home equity		1,070		1,013			328		851
		Residential real estate		778		663			168		700
		Credit card		204		204			48		227
		Other consumer		104		86			3		63
	Total impaired loans with an associated allowance		$	3,831	$	3,083		$	840	$	3,272
	Impaired loans without an associated allowance
		Commercial	$	362	$	126				$	157
		Commercial real estate		562		355					400
		Home equity		169		121					40
		Residential real estate		316		231					77
	Total impaired loans without an associated allowance		$	1,409	$	833				$	674
	Total impaired loans		$	5,240	$	3,916		$	840	$	3,946
(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 six months ended June 30, 2013, and the year ended December 31, 2012, respectively.
(b)	Associated allowance amounts include $.5 billion and $.6 billion for TDRs at June 30, 2013, and December 31, 2012, respectively.