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ALLOWANCE FOR CREDIT LOSSES, NONPERFORMING ASSETS, AND CONCENTRATIONS OF CREDIT RISK - Troubled Debt Restructuring (Details)
$ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2015
USD ($)
contract
Jun. 30, 2014
USD ($)
contract
Jun. 30, 2015
USD ($)
contract
Jun. 30, 2014
USD ($)
contract
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification $ 2 $ (1) $ 2 $ 0
Charge-offs Resulting from Modification $ 1 $ 3 $ 4 $ 7
Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 706 718 1,409 1,417
Pre-Modification Outstanding Recorded Investment [1] $ 9 $ 16 $ 23 $ 29
Post-Modification Outstanding Recorded Investment [1] $ 9 $ 16 $ 23 $ 29
Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 95 151 174 304
Pre-Modification Outstanding Recorded Investment [2] $ 15 $ 10 $ 32 $ 20
Post-Modification Outstanding Recorded Investment [2] $ 15 $ 9 $ 32 $ 18
Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 805 1,094 1,945 2,331
Pre-Modification Outstanding Recorded Investment [3] $ 28 $ 48 $ 73 $ 100
Post-Modification Outstanding Recorded Investment [3] 27 45 69 94
Commercial Banking        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 0 0 (1) 0
Charge-offs Resulting from Modification $ 0 $ 0 $ 0 $ 0
Commercial Banking | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 7 9 15 17
Pre-Modification Outstanding Recorded Investment [1] $ 1 $ 6 $ 3 $ 7
Post-Modification Outstanding Recorded Investment [1] $ 1 $ 6 $ 3 $ 7
Commercial Banking | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 36 17 64 30
Pre-Modification Outstanding Recorded Investment [2] $ 2 $ 1 $ 12 $ 2
Post-Modification Outstanding Recorded Investment [2] $ 2 $ 1 $ 12 $ 2
Commercial Banking | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 3 1 5 2
Pre-Modification Outstanding Recorded Investment [3] $ 0 $ 0 $ 6 $ 0
Post-Modification Outstanding Recorded Investment [3] 0 0 6 0
Commercial        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 0 0 (1) 0
Charge-offs Resulting from Modification $ 0 $ 0 $ 0 $ 0
Commercial | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 7 8 14 15
Pre-Modification Outstanding Recorded Investment [1] $ 1 $ 6 $ 3 $ 7
Post-Modification Outstanding Recorded Investment [1] $ 1 $ 6 $ 3 $ 7
Commercial | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 36 15 64 28
Pre-Modification Outstanding Recorded Investment [2] $ 2 $ 1 $ 12 $ 2
Post-Modification Outstanding Recorded Investment [2] $ 2 $ 1 $ 12 $ 2
Commercial | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 3 1 4 2
Pre-Modification Outstanding Recorded Investment [3] $ 0 $ 0 $ 2 $ 0
Post-Modification Outstanding Recorded Investment [3] 0 0 2 0
Commercial real estate        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 0 0 0 0
Charge-offs Resulting from Modification $ 0 $ 0 $ 0 $ 0
Commercial real estate | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 0 1 1 2
Pre-Modification Outstanding Recorded Investment [1] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [1] $ 0 $ 0 $ 0 $ 0
Commercial real estate | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 0 2 0 2
Pre-Modification Outstanding Recorded Investment [2] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [2] $ 0 $ 0 $ 0 $ 0
Commercial real estate | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 0 0 1 0
Pre-Modification Outstanding Recorded Investment [3] $ 0 $ 0 $ 4 $ 0
Post-Modification Outstanding Recorded Investment [3] 0 0 4 0
Retail        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 2 (1) 3 0
Charge-offs Resulting from Modification $ 1 $ 3 $ 4 $ 7
Retail | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 699 709 1,394 1,400
Pre-Modification Outstanding Recorded Investment [1] $ 8 $ 10 $ 20 $ 22
Post-Modification Outstanding Recorded Investment [1] $ 8 $ 10 $ 20 $ 22
Retail | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 59 134 110 274
Pre-Modification Outstanding Recorded Investment [2] $ 13 $ 9 $ 20 $ 18
Post-Modification Outstanding Recorded Investment [2] $ 13 $ 8 $ 20 $ 16
Retail | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 802 1,093 1,940 2,329
Pre-Modification Outstanding Recorded Investment [3] $ 28 $ 48 $ 67 $ 100
Post-Modification Outstanding Recorded Investment [3] 27 45 63 94
Residential mortgages        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 0 (1) (1) 0
Charge-offs Resulting from Modification $ 0 $ 0 $ 0 $ 0
Residential mortgages | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 20 24 53 66
Pre-Modification Outstanding Recorded Investment [1] $ 3 $ 4 $ 9 $ 10
Post-Modification Outstanding Recorded Investment [1] $ 3 $ 4 $ 9 $ 10
Residential mortgages | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 9 10 19 22
Pre-Modification Outstanding Recorded Investment [2] $ 2 $ 1 $ 4 $ 3
Post-Modification Outstanding Recorded Investment [2] $ 2 $ 2 $ 4 $ 3
Residential mortgages | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 42 132 106 239
Pre-Modification Outstanding Recorded Investment [3] $ 4 $ 15 $ 10 $ 28
Post-Modification Outstanding Recorded Investment [3] 4 14 10 28
Home equity loans        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 0 0 0 0
Charge-offs Resulting from Modification $ 0 $ 0 $ 0 $ 2
Home equity loans | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 26 37 47 68
Pre-Modification Outstanding Recorded Investment [1] $ 1 $ 2 $ 2 $ 4
Post-Modification Outstanding Recorded Investment [1] $ 1 $ 2 $ 2 $ 4
Home equity loans | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 49 10 86 68
Pre-Modification Outstanding Recorded Investment [2] $ 11 $ 1 $ 16 $ 4
Post-Modification Outstanding Recorded Investment [2] $ 11 $ 0 $ 16 $ 3
Home equity loans | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 97 210 294 523
Pre-Modification Outstanding Recorded Investment [3] $ 7 $ 14 $ 17 $ 34
Post-Modification Outstanding Recorded Investment [3] 7 14 17 32
Home equity lines of credit        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 0 0 0 0
Charge-offs Resulting from Modification $ 1 $ 2 $ 2 $ 3
Home equity lines of credit | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 0 1 0 2
Pre-Modification Outstanding Recorded Investment [1] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [1] $ 0 $ 0 $ 0 $ 0
Home equity lines of credit | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 0 106 3 176
Pre-Modification Outstanding Recorded Investment [2] $ 0 $ 7 $ 0 $ 11
Post-Modification Outstanding Recorded Investment [2] $ 0 $ 6 $ 0 $ 10
Home equity lines of credit | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 78 81 213 159
Pre-Modification Outstanding Recorded Investment [3] $ 5 $ 6 $ 14 $ 11
Post-Modification Outstanding Recorded Investment [3] 5 5 12 9
Home equity loans serviced by others        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification [4] 0 0 0 0
Charge-offs Resulting from Modification [4] $ 0 $ 0 $ 1 $ 0
Home equity loans serviced by others | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1],[4] 5 4 22 18
Pre-Modification Outstanding Recorded Investment [1],[4] $ 0 $ 0 $ 1 $ 1
Post-Modification Outstanding Recorded Investment [1],[4] $ 0 $ 0 $ 1 $ 1
Home equity loans serviced by others | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2],[4] 0 0 0 0
Pre-Modification Outstanding Recorded Investment [2],[4] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [2],[4] $ 0 $ 0 $ 0 $ 0
Home equity loans serviced by others | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3],[4] 25 46 71 85
Pre-Modification Outstanding Recorded Investment [3],[4] $ 1 $ 3 $ 3 $ 3
Post-Modification Outstanding Recorded Investment [3],[4] 1 2 3 3
Home equity lines of credit serviced by others        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification [4] 0 0 0 0
Charge-offs Resulting from Modification [4] $ 0 $ 0 $ 0 $ 0
Home equity lines of credit serviced by others | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1],[4] 0 1 0 3
Pre-Modification Outstanding Recorded Investment [1],[4] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [1],[4] $ 0 $ 0 $ 0 $ 0
Home equity lines of credit serviced by others | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2],[4] 0 1 0 1
Pre-Modification Outstanding Recorded Investment [2],[4] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [2],[4] $ 0 $ 0 $ 0 $ 0
Home equity lines of credit serviced by others | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3],[4] 15 13 22 24
Pre-Modification Outstanding Recorded Investment [3],[4] $ 1 $ 0 $ 1 $ 1
Post-Modification Outstanding Recorded Investment [3],[4] 1 0 1 1
Automobile        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 0 0 0 0
Charge-offs Resulting from Modification $ 0 $ 1 $ 1 $ 2
Automobile | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 18 33 38 55
Pre-Modification Outstanding Recorded Investment [1] $ 1 $ 1 $ 1 $ 1
Post-Modification Outstanding Recorded Investment [1] $ 1 $ 1 $ 1 $ 1
Automobile | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 1 7 2 7
Pre-Modification Outstanding Recorded Investment [2] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [2] $ 0 $ 0 $ 0 $ 0
Automobile | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 172 145 469 417
Pre-Modification Outstanding Recorded Investment [3] $ 3 $ 2 $ 8 $ 6
Post-Modification Outstanding Recorded Investment [3] 2 2 6 4
Student        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 1 0 3 0
Charge-offs Resulting from Modification $ 0 $ 0 $ 0 $ 0
Student | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 0 0 0 0
Pre-Modification Outstanding Recorded Investment [1] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [1] $ 0 $ 0 $ 0 $ 0
Student | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 0 0 0 0
Pre-Modification Outstanding Recorded Investment [2] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [2] $ 0 $ 0 $ 0 $ 0
Student | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 369 457 750 853
Pre-Modification Outstanding Recorded Investment [3] $ 7 $ 8 $ 14 $ 16
Post-Modification Outstanding Recorded Investment [3] 7 8 14 16
Credit cards        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 1 0 1 0
Charge-offs Resulting from Modification $ 0 $ 0 $ 0 $ 0
Credit cards | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 630 608 1,234 1,185
Pre-Modification Outstanding Recorded Investment [1] $ 3 $ 3 $ 7 $ 6
Post-Modification Outstanding Recorded Investment [1] $ 3 $ 3 $ 7 $ 6
Credit cards | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 0 0 0 0
Pre-Modification Outstanding Recorded Investment [2] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [2] $ 0 $ 0 $ 0 $ 0
Credit cards | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 0 0 0 0
Pre-Modification Outstanding Recorded Investment [3] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [3] 0 0 0 0
Other retail        
Financing Receivable, Modifications [Line Items]        
Net Change to ALLL Resulting from Modification 0 0 0 0
Charge-offs Resulting from Modification $ 0 $ 0 $ 0 $ 0
Other retail | Interest Rate Reduction        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [1] 0 1 0 3
Pre-Modification Outstanding Recorded Investment [1] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [1] $ 0 $ 0 $ 0 $ 0
Other retail | Maturity Extension        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [2] 0 0 0 0
Pre-Modification Outstanding Recorded Investment [2] $ 0 $ 0 $ 0 $ 0
Post-Modification Outstanding Recorded Investment [2] $ 0 $ 0 $ 0 $ 0
Other retail | Other        
Financing Receivable, Modifications [Line Items]        
Number of Contracts | contract [3] 4 9 15 29
Pre-Modification Outstanding Recorded Investment [3] $ 0 $ 0 $ 0 $ 1
Post-Modification Outstanding Recorded Investment [3] $ 0 $ 0 $ 0 $ 1
[1] Includes modifications that consist of multiple concessions, one of which is an interest rate reduction.
[2] Includes modifications that consist of multiple concessions, one of which is a maturity extension (unless one of the other concessions was an interest rate reduction).
[3] Includes modifications other than interest rate reductions or maturity extensions, such as lowering scheduled payments for a specified period of time, principal forbearance, capitalizing arrearages, and principal forgiveness. Also included are the following: deferrals, trial modifications, certain bankruptcies, loans in forbearance and prepayment plans. Modifications can include the deferral of accrued interest resulting in post-modification balances being higher than pre-modification.
[4] The Company’s SBO portfolio consists of purchased home equity loans and lines that were originally serviced by others. The Company now services a portion of this portfolio internally.