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

6 Months Ended

Jun. 30, 2014

Allowance For Loan And Lease Losses [Abstract]

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

Table 71: Rollforward of Allowance for Loan and Lease Losses and Associated Loan Data
				Commercial			Consumer
In millions				Lending			Lending				Total
June 30, 2014
	Allowance for Loan and Lease Losses
		January 1		$	1,547		$	2,062		$	3,609
		Charge-offs			(209)			(355)			(564)
		Recoveries			149			84			233
			Net charge-offs		(60)			(271)			(331)
		Provision for credit losses			108			58			166
		Net change in allowance for unfunded loan commitments and letters of credit			10						10
		Other			(1)						(1)
			June 30	$	1,604		$	1,849		$	3,453
		TDRs individually evaluated for impairment		$	29		$	407		$	436
		Other loans individually evaluated for impairment			118						118
		Loans collectively evaluated for impairment			1,349			664			2,013
		Purchased impaired loans			108			778			886
			June 30	$	1,604		$	1,849		$	3,453
	Loan Portfolio
		TDRs individually evaluated for impairment (a)		$	545		$	2,121		$	2,666
		Other loans individually evaluated for impairment			526						526
		Loans collectively evaluated for impairment (b)			122,533			68,818			191,351
		Fair value option loans (c)						884			884
		Purchased impaired loans			479			5,078			5,557
			June 30	$	124,083		$	76,901		$	200,984
	Portfolio segment ALLL as a percentage of total ALLL				46	%		54	%		100	%
	Ratio of the allowance for loan and lease losses to total loans				1.29	%		2.40	%		1.72	%
June 30, 2013
	Allowance for Loan and Lease Losses
		January 1		$	1,774		$	2,262		$	4,036
		Charge-offs (d)			(336)			(589)			(925)
		Recoveries			185			76			261
			Net charge-offs		(151)			(513)			(664)
		Provision for credit losses			28			365			393
		Net change in allowance for unfunded loan commitments and letters of credit			8						8
		Other			(1)						(1)
			June 30	$	1,658		$	2,114		$	3,772
		TDRs individually evaluated for impairment		$	25		$	482		$	507
		Other loans individually evaluated for impairment			203						203
		Loans collectively evaluated for impairment			1,247			698			1,945
		Purchased impaired loans			183			934			1,117
			June 30	$	1,658		$	2,114		$	3,772
	Loan Portfolio
		TDRs individually evaluated for impairment (a)		$	599		$	2,243		$	2,842
		Other loans individually evaluated for impairment			840						840
		Loans collectively evaluated for impairment (b)			110,863			67,641			178,504
		Fair value option loans (c)						811			811
		Purchased impaired loans			968			5,810			6,778
			June 30	$	113,270		$	76,505		$	189,775
	Portfolio segment ALLL as a percentage of total ALLL				44	%		56	%		100	%
	Ratio of the allowance for loan and lease losses to total loans				1.46	%		2.76	%		1.99	%
(a)	TDRs individually evaluated for impairment exclude TDRs that were subsequently accounted for as held for sale loans, but continue to be disclosed as TDRs.
(b)	Includes $232 million of loans collectively evaluated for impairment based upon collateral values and written down to the respective collateral value less costs to sell at June 30,
	2014. Accordingly, there is no allowance recorded for these loans. The comparative amount as of June 30, 2013 was $291 million.
(c)	Loans accounted for under the fair value option are not evaluated for impairment as these loans are accounted for at fair value, accordingly there is no allowance recorded on these loans.
(d)	Pursuant to alignment with interagency guidance on practices for loans and lines of credit related to consumer lending in the first quarter of 2013, additional charge-offs of $134 million were taken.

Rollforward of Allowance for Unfunded Loan Commitments and Letters of Credit

Table 72: Rollforward of Allowance for Unfunded Loan Commitments and Letters of Credit
In millions		2014		2013
January 1	$	242	$	250
Net change in allowance for unfunded loan commitments and letters of credit		(10)		(8)
June 30	$	232	$	242