Commitments And Guarantees (Tables)

3 Months Ended

Mar. 31, 2016

Commitments and Guarantees [Abstract]

Commitments to Extend Credit and Other Commitments

Table 93: Commitments to Extend Credit and Other Commitments
			March 31		December 31
In millions			2016		2015
Commitments to extend credit
	Total commercial lending		$	101,434	$	101,252
	Home equity lines of credit			17,311		17,268
	Credit card			20,814		19,937
	Other			4,399		4,032
Total commitments to extend credit				143,958		142,489
Net outstanding standby letters of credit (a)				8,969		8,765
Reinsurance agreements (b)				1,968		2,010
Standby bond purchase agreements (c)				891		911
Other commitments (d)				969		966
		Total commitments to extend credit and other commitments	$	156,755	$	155,141
(a)	Net outstanding standby letters of credit include $4.6 billion and $4.7 billion which support remarketing programs at March 31, 2016 and December 31, 2015, 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 both March 31, 2016 and 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.
(c)	We enter into standby bond purchase agreements to support municipal bond obligations.
(d)	Includes $.5 billion related to investments in qualified affordable housing projects at both March 31, 2016 and December 31, 2015.

Internal Credit Ratings Related to Net Outstanding Standby Letters of Credit

Table 94: Internal Credit Ratings Related to Net Outstanding Standby Letters of Credit
		March 31			December 31
		2016			2015
Internal credit ratings (as a percentage of portfolio):
	Pass (a)		92	%		93	%
	Below pass (b)		8	%		7	%
(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 95: 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
	March 31, 2016	$	978		$	978	$	904	$	74
	December 31, 2015	$	1,082		$	1,082	$	1,008	$	74
				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 (e)
	March 31, 2016	$	2,492		$	2,492	$	1,760	$	732
	December 31, 2015	$	1,767		$	1,767	$	1,014	$	753
(a)	Resale agreements are included on the Consolidated Balance Sheet in Federal funds sold and resale agreements. 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 March 31, 2016 and December 31, 2015.
(e)	Repurchase agreements have remaining contractual maturities that are classified as overnight or continuous. As of March 31, 2016 and December 31, 2015, the collateral pledged under these agreements consisted primarily of residential mortgage-backed agency securities.