Commitments And Guarantees (Tables)

12 Months Ended

Dec. 31, 2015

Commitments and Guarantees [Abstract]

Commitments to Extend Credit and Other Commitments

Table 131: Commitments to Extend Credit and Other Commitments
			December 31		December 31
In millions			2015		2014
Commitments to extend credit
	Total commercial lending		$	101,252	$	98,742
	Home equity lines of credit			17,268		17,839
	Credit card			19,937		17,833
	Other			4,032		4,178
Total commitments to extend credit				142,489		138,592
Net outstanding standby letters of credit (a)				8,765		9,991
Reinsurance agreements (b)				2,010		4,297
Standby bond purchase agreements (c)				911		1,095
Other commitments (d)				966		962
		Total commitments to extend credit and other commitments	$	155,141	$	154,937
(a)	Net outstanding standby letters of credit include $4.7 billion and $5.2 billion which support remarketing programs at December 31, 2015 and December 31, 2014, respectively.
(b)	Represents aggregate maximum exposure up to the specified limits of the reinsurance contracts, and reflects estimates based on availability of financial information from insurance carriers. As of December 31, 2015 the aggregate maximum exposure amount comprised $1.6 billion for accidental death & dismemberment contracts and $.4 billion for credit life, accident & health contracts. The comparative amount as of December 31, 2014 included $1.8 billion for accidental death & dismemberment, $.5 billion for credit life, accident & health and $2.0 billion related to lender placed hazard contracts.
(c)	We enter into standby bond purchase agreements to support municipal bond obligations.
(d)	Includes $.5 billion and $.4 billion related to investments in qualified affordable housing projects at December 31, 2015 and December 31, 2014, respectively.

Internal Credit Ratings Related to Net Outstanding Standby Letters of Credit

Table 132: Internal Credit Ratings Related to Net Outstanding Standby Letters of Credit
		December 31			December 31
		2015			2014
Internal credit ratings (as a percentage of portfolio):
	Pass (a)		93	%		95	%
	Below pass (b)		7	%		5	%
(a)	Indicates that expected risk of loss is currently low.
(b)	Indicates a higher degree of risk of default.

Resale and Repurchase Agreements Offsetting

Table 133: Resale and Repurchase Agreements Offsetting
					Amounts				Securities
					Offset				Collateral
			Gross		on the		Net		Held Under
			Resale		Consolidated		Resale		Master Netting		Net
In millions			Agreements		Balance Sheet		Agreements (a)		Agreements (b)		Amounts (c)
Resale Agreements
	December 31, 2015	$	1,082			$	1,082	$	1,008	$	74
	December 31, 2014	$	1,646			$	1,646	$	1,569	$	77
					Amounts				Securities
					Offset				Collateral
			Gross		on the		Net		Pledged Under
			Repurchase		Consolidated		Repurchase		Master Netting		Net
In millions			Agreements		Balance Sheet		Agreements (a)		Agreements (b)		Amounts (d)
Repurchase Agreements
	December 31, 2015	$	1,767	(e)		$	1,767	$	1,014	$	753
	December 31, 2014	$	3,406			$	3,406	$	2,580	$	826
(a)	Resale agreements are included on the Consolidated Balance Sheet in Federal funds sold and resale agreements. Amounts in the table above exclude fair value adjustments of $4 million and $7 million at December 31, 2015 and December 31, 2014, respectively, related to structured resale agreements that we have elected to account for at fair value. See Note 7 Fair Value for additional information. Repurchase agreements are included on the Consolidated Balance Sheet in Federal funds purchased and repurchase agreements.
(b)	Represents the fair value of securities collateral purchased or sold, up to the amount owed under the agreement, for agreements supported by a legally enforceable master netting agreement.
(c)	Represents certain long term resale agreements which are fully collateralized but do not have the benefits of a netting opinion and, therefore, might be subject to a stay in insolvency proceedings and therefore are not eligible under ASC 210-20 for netting.
(d)	Represents overnight repurchase agreements entered into with municipalities, pension plans, and certain trusts and insurance companies which are fully collateralized but do not have the benefits of a netting opinion and, therefore, might be subject to a stay in insolvency proceedings and therefore are not eligible under ASC 210-20 for netting. There were no long term repurchase agreements as of December 31, 2015 and December 31, 2014.
(e)	Repurchase agreements have remaining contractual maturities that are classified as overnight or continuous. As of December 31, 2015, the collateral pledged under these agreements consisted primarily of residential mortgage -backed agency securities.