ALLOWANCE FOR CREDIT LOSSES, NONPERFORMING ASSETS, AND CONCENTRATIONS OF CREDIT RISK (Tables)

9 Months Ended

Sep. 30, 2016

Schedule of changes in the allowance for credit losses

A summary of changes in the allowance for credit losses is presented below:



	Three Months Ended September 30, 2016									Nine Months Ended September 30, 2016
(in millions)	Commercial			Retail			Total			Commercial			Retail			Total
Allowance for loan and lease losses, beginning of period		$676			$570			$1,246			$596			$620			$1,216
Charge-offs	(33		)	(112		)	(145		)	(53		)	(331		)	(384		)
Recoveries	14			48			62			23			130			153
Net charge-offs	(19		)	(64		)	(83		)	(30		)	(201		)	(231		)
Provision charged to income	(2		)	79			77			89			166			255
Allowance for loan and lease losses, end of period	655			585			1,240			655			585			1,240
Reserve for unfunded lending commitments, beginning of period	61			—			61			58			—			58
Credit for unfunded lending commitments	9			—			9			12			—			12
Reserve for unfunded lending commitments as of period end	70			—			70			70			—			70
Total allowance for credit losses as of period end		$725			$585			$1,310			$725			$585			$1,310



	Three Months Ended September 30, 2015									Nine Months Ended September 30, 2015
(in millions)	Commercial			Retail			Total			Commercial			Retail			Total
Allowance for loan and lease losses, beginning of period		$565			$636			$1,201			$544			$651			$1,195
Charge-offs	(11		)	(109		)	(120		)	(32		)	(324		)	(356		)
Recoveries	6			39			45			42			107			149
Net (charge-offs) recoveries	(5		)	(70		)	(75		)	10			(217		)	(207		)
Sales/Other	—			2			2			—			—			—
Provision charged to income	15			58			73			21			192			213
Allowance for loan and lease losses, end of period	575			626			1,201			575			626			1,201
Reserve for unfunded lending commitments, beginning of period	56			—			56			61			—			61
Provision for unfunded lending commitments	3			—			3			(2		)	—			(2		)
Reserve for unfunded lending commitments as of period end	59			—			59			59			—			59
Total allowance for credit losses as of period end		$634			$626			$1,260			$634			$626			$1,260

Schedule of loans and leases based on evaluation method

The recorded investment in loans and leases based on the Company’s evaluation methodology is presented below:



	September 30, 2016						December 31, 2015
(in millions)	Commercial		Retail		Total		Commercial		Retail		Total
Individually evaluated		$438		$812		$1,250		$218		$1,165		$1,383
Formula-based evaluation	49,951		54,266		104,217		45,996		51,663		97,659
Total		$50,389		$55,078		$105,467		$46,214		$52,828		$99,042

Schedule of allowance for credit losses by evaluation method

A summary of the allowance for credit losses by evaluation method is presented below:



	September 30, 2016						December 31, 2015
(in millions)	Commercial		Retail		Total		Commercial		Retail		Total
Individually evaluated		$55		$78		$133		$36		$101		$137
Formula-based evaluation	670		507		1,177		618		519		1,137
Allowance for credit losses		$725		$585		$1,310		$654		$620		$1,274

Schedule of classes of commercial loans and leases based on regulatory classifications

The recorded investment in commercial loans and leases based on regulatory classification ratings is presented below:



	September 30, 2016
			Criticized
(in millions)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial		$34,245		$883		$1,138		$183		$36,449
Commercial real estate	9,646		355		89		62		10,152
Leases	3,608		53		122		5		3,788
Total		$47,499		$1,291		$1,349		$250		$50,389



	December 31, 2015
			Criticized
(in millions)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial		$31,276		$911		$1,002		$75		$33,264
Commercial real estate	8,450		272		171		78		8,971
Leases	3,880		55		44		—		3,979
Total		$43,606		$1,238		$1,217		$153		$46,214

Schedule of retail loan investments categorized by delinquency status

The recorded investment in classes of retail loans, categorized by delinquency status is presented below:



	September 30, 2016
			Days Past Due
(in millions)	Current		1-29		30-59		60-89		90 or More		Total
Residential mortgages		$14,314		$102		$32		$17		$137		$14,602
Home equity loans	1,803		119		17		8		80		2,027
Home equity lines of credit	13,638		367		44		22		200		14,271
Home equity loans serviced by others	718		45		11		5		17		796
Home equity lines of credit serviced by others	168		25		3		3		39		238
Automobile	12,911		945		129		31		47		14,063
Student	5,804		115		22		11		45		5,997
Credit cards	1,563		46		11		8		16		1,644
Other retail	1,385		40		7		3		5		1,440
Total		$52,304		$1,804		$276		$108		$586		$55,078



	December 31, 2015
			Days Past Due
(in millions)	Current		1-29		30-59		60-89		90 or More		Total
Residential mortgages		$12,905		$97		$54		$16		$246		$13,318
Home equity loans	2,245		164		32		12		104		2,557
Home equity lines of credit	13,982		407		60		20		205		14,674
Home equity loans serviced by others	886		60		14		6		20		986
Home equity lines of credit serviced by others	296		48		10		6		29		389
Automobile	12,670		964		127		32		35		13,828
Student	4,175		113		19		11		41		4,359
Credit cards	1,554		44		11		9		16		1,634
Other retail	1,013		53		8		4		5		1,083
Total		$49,726		$1,950		$335		$116		$701		$52,828

Schedule of nonperforming loans and leases by class

The following table presents nonperforming loans and leases and loans accruing and 90 days or more past due:



	Nonperforming ⁽¹⁾				Accruing and 90 days or more past due
(in millions)	September 30, 2016		December 31, 2015		September 30, 2016		December 31, 2015
Commercial		$334		$71		$1		$1
Commercial real estate	62		77		—		—
Leases	—		—		—		—
Total commercial	396		148		1		1
Residential mortgages^{(2) (3)}	170		331		16		—
Home equity loans	105		135		—		—
Home equity lines of credit	249		272		—		—
Home equity loans serviced by others	32		38		—		—
Home equity lines of credit serviced by others	42		32		—		—
Automobile	55		42		—		—
Student	38		41		6		6
Credit card	16		16		—		—
Other retail	4		5		1		2
Total retail	711		912		23		8
Total		$1,107		$1,060		$24		$9

⁽¹⁾ Effective March 31, 2016, the Company began excluding loans 90 days or more past due and still accruing from nonperforming loans and leases. Nonperforming loans and leases as of December 31, 2015 included loans and leases on nonaccrual of $1.051 billion and loans and leases accruing and 90 days or more past due of $9 million.

⁽²⁾ Effective March 31, 2016, the Company began excluding first lien residential mortgage loans that are 100% guaranteed by the Federal Housing Administration from nonperforming balances. As of September 30, 2016, $16 million of these loans were accruing and 90 days or more past due.

⁽³⁾Effective March 31, 2016, the Company began excluding guaranteed residential mortgage loans sold to GNMA for which the Company had the right, but not the obligation, to repurchase from nonperforming balances. As of September 30, 2016 these loans totaled $32 million. These loans are consolidated on the Company’s Consolidated Balance Sheets.

Schedule of nonperforming assets

A summary of other nonperforming assets is presented below:



(in millions)	September 30, 2016		December 31, 2015
Other nonperforming assets, net of valuation allowance:
Commercial		$—		$1
Retail	49		45
Other nonperforming assets, net of valuation allowance		$49		$46

Summary of key performance indicators

A summary of key performance indicators is presented below:



	September 30, 2016		December 31, 2015
Nonperforming commercial loans and leases as a percentage of total loans and leases ⁽¹⁾	0.38	%	0.15	%
Nonperforming retail loans as a percentage of total loans and leases ⁽¹⁾	0.67		0.92
Total nonperforming loans and leases as a percentage of total loans and leases ⁽¹⁾	1.05	%	1.07	%

Nonperforming commercial assets as a percentage of total assets ⁽¹⁾	0.27	%	0.11	%
Nonperforming retail assets as a percentage of total assets ⁽¹⁾	0.52		0.69
Total nonperforming assets as a percentage of total assets ⁽¹⁾	0.79	%	0.80	%

⁽¹⁾December 31, 2015 ratios included loans accruing and 90 days or more past due of $1 million and $8 million for commercial and retail, respectively.

Analysis of age of past due amounts

An analysis of the age of both accruing and nonaccruing loan and lease past due amounts is presented below:



	September 30, 2016								December 31, 2015
	Days Past Due								Days Past Due
(in millions)	30-59		60-89		90 or More		Total		30-59		60-89		90 or More		Total
Commercial		$24		$9		$335		$368		$9		$4		$71		$84
Commercial real estate	1		1		62		64		30		3		77		110
Leases	14		—		—		14		9		1		—		10
Total commercial	39		10		397		446		48		8		148		204
Residential mortgages	32		17		137		186		54		16		246		316
Home equity loans	17		8		80		105		32		12		104		148
Home equity lines of credit	44		22		200		266		60		20		205		285
Home equity loans serviced by others	11		5		17		33		14		6		20		40
Home equity lines of credit serviced by others	3		3		39		45		10		6		29		45
Automobile	129		31		47		207		127		32		35		194
Student	22		11		45		78		19		11		41		71
Credit cards	11		8		16		35		11		9		16		36
Other retail	7		3		5		15		8		4		5		17
Total retail	276		108		586		970		335		116		701		1,152
Total		$315		$118		$983		$1,416		$383		$124		$849		$1,356

Schedule of impaired loans by class

A summary of impaired loans by class is presented below:



	September 30, 2016
(in millions)	Impaired Loans With a Related Allowance		Allowance on Impaired Loans		Impaired Loans Without a Related Allowance		Unpaid Contractual Balance		Total Recorded Investment in Impaired Loans
Commercial		$256		$46		$137		$439		$393
Commercial real estate	45		9		—		45		45
Total commercial	301		55		137		484		438
Residential mortgages	43		4		132		229		175
Home equity loans	53		6		99		193		152
Home equity lines of credit	26		3		171		241		197
Home equity loans serviced by others	43		7		21		74		64
Home equity lines of credit serviced by others	2		—		7		13		9
Automobile	4		1		14		23		18
Student	158		44		1		159		159
Credit cards	26		10		—		26		26
Other retail	10		3		2		13		12
Total retail	365		78		447		971		812
Total		$666		$133		$584		$1,455		$1,250



	December 31, 2015
(in millions)	Impaired Loans With a Related Allowance		Allowance on Impaired Loans		Impaired Loans Without a Related Allowance		Unpaid Contractual Balance		Total Recorded Investment in Impaired Loans
Commercial		$92		$23		$58		$144		$150
Commercial real estate	56		13		12		70		68
Total commercial	148		36		70		214		218
Residential mortgages	121		16		320		608		441
Home equity loans	85		11		139		283		224
Home equity lines of credit	27		2		167		234		194
Home equity loans serviced by others	50		8		24		88		74
Home equity lines of credit serviced by others	3		1		7		14		10
Automobile	3		—		11		19		14
Student	163		48		2		165		165
Credit cards	28		11		—		28		28
Other retail	13		4		2		18		15
Total retail	493		101		672		1,457		1,165
Total		$641		$137		$742		$1,671		$1,383

Schedule of additional information on impaired loans

Additional information on impaired loans is presented below:



	Three Months Ended September 30,
	2016				2015
(in millions)	Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment
Commercial		$1		$340		$1		$126
Commercial real estate	—		40		—		35
Total commercial	1		380		1		161
Residential mortgages	1		169		4		428
Home equity loans	2		153		2		277
Home equity lines of credit	2		192		1		142
Home equity loans serviced by others	1		64		1		79
Home equity lines of credit serviced by others	—		9		—		10
Automobile	—		17		—		12
Student	1		159		1		165
Credit cards	—		25		—		29
Other retail	1		12		1		17
Total retail	8		800		10		1,159
Total		$9		$1,180		$11		$1,320



	Nine Months Ended September 30,
	2016				2015
(in millions)	Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment
Commercial		$4		$277		$2		$133
Commercial real estate	—		53		1		45
Total commercial	4		330		3		178
Residential mortgages	3		161		12		423
Home equity loans	5		151		7		263
Home equity lines of credit	5		182		3		140
Home equity loans serviced by others	3		64		3		80
Home equity lines of credit serviced by others	—		9		—		9
Automobile	—		14		—		11
Student	5		157		5		160
Credit cards	1		25		1		28
Other retail	1		13		1		18
Total retail	23		776		32		1,132
Total		$27		$1,106		$35		$1,310

Troubled debt restructurings on financing receivables

The table below summarizes how loans were modified during the three months ended September 30, 2016, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during 2016 and were paid off in full, charged off, or sold prior to September 30, 2016.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	3		$—		$—	8		$1		$1
Commercial real estate	—	—		—		—	—		—
Total commercial	3	—		—		8	1		1
Residential mortgages	28	3		3		33	6		5
Home equity loans	36	2		2		2	—		1
Home equity lines of credit	20	1		2		56	6		6
Home equity loans serviced by others	7	1		1		—	—		—
Home equity lines of credit serviced by others	2	—		—		1	—		—
Automobile	26	1		1		6	—		—
Student	—	—		—		—	—		—
Credit cards	544	3		3		—	—		—
Other retail	2	—		—		—	—		—
Total retail	665	11		12		98	12		12
Total	668		$11		$12	106		$13		$13



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification		Charge-offs Resulting from Modification
Commercial	4		$6		$5		$4		$—
Commercial real estate	—	—		—		—		—
Total commercial	4	6		5		4		—
Residential mortgages	55	5		5		—		—
Home equity loans	52	3		3		—		—
Home equity lines of credit	94	8		7		—		1
Home equity loans serviced by others	17	1		1		—		—
Home equity lines of credit serviced by others	6	—		1		—		—
Automobile	264	5		5		—		—
Student	108	2		2		1		—
Credit cards	—	—		—		1		—
Other retail	3	—		—		—		—
Total retail	599	24		24		2		1
Total	603		$30		$29		$6		$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 forgiveness, 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.

The table below summarizes how loans were modified during the three months ended September 30, 2015, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during 2015 and were paid off in full, charged off, or sold prior to September 30, 2015.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	4		$—		$—	50		$7		$7
Commercial real estate	—	—		—		—	—		—
Total commercial	4	—		—		50	7		7
Residential mortgages	24	4		4		8	1		1
Home equity loans	30	2		2		72	14		14
Home equity lines of credit	1	—		—		2	—		—
Home equity loans serviced by others	2	—		—		—	—		—
Home equity lines of credit serviced by others	—	—		—		—	—		—
Automobile	33	—		1		3	—		—
Student	—	—		—		—	—		—
Credit cards	547	3		3		—	—		—
Other retail	2	—		—		—	—		—
Total retail	639	9		10		85	15		15
Total	643		$9		$10	135		$22		$22



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification		Charge-offs Resulting from Modification
Commercial	8		$28		$28		$—		$1
Commercial real estate	—	—		—		—		—
Total commercial	8	28		28		—		1
Residential mortgages	78	9		9		—		—
Home equity loans	85	8		7		—		—
Home equity lines of credit	58	4		3		—		—
Home equity loans serviced by others	26	2		1		—		—
Home equity lines of credit serviced by others	12	1		1		—		—
Automobile	182	2		3		—		1
Student	151	2		3		1		—
Credit cards	—	—		—		—		—
Other retail	4	—		—		—		—
Total retail	596	28		27		1		1
Total	604		$56		$55		$1		$2

⁽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).

The table below summarizes how loans were modified during the nine months ended September 30, 2016, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during 2016 and were paid off in full, charged off, or sold prior to September 30, 2016.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	11		$1		$1	62		$9		$9
Commercial real estate	—	—		—		—	—		—
Total commercial	11	1		1		62	9		9
Residential mortgages	53	7		7		49	9		8
Home equity loans	65	4		4		39	4		5
Home equity lines of credit	33	2		3		83	9		9
Home equity loans serviced by others	13	1		1		—	—		—
Home equity lines of credit serviced by others	4	—		—		5	1		1
Automobile	77	2		2		14	—		—
Student	—	—		—		—	—		—
Credit cards	1,625	9		9		—	—		—
Other retail	3	—		—		—	—		—
Total retail	1,873	25		26		190	23		23
Total	1,884		$26		$27	252		$32		$32



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification			Charge-offs Resulting from Modification
Commercial	13		$47		$46		$3			$—
Commercial real estate	—	—		—		—			—
Total commercial	13	47		46		3			—
Residential mortgages	186	20		20		—			—
Home equity loans	233	14		14		(1		)	—
Home equity lines of credit	218	16		15		—			1
Home equity loans serviced by others	51	2		2		—			—
Home equity lines of credit serviced by others	19	1		1		—			—
Automobile	803	15		14		—			1
Student	405	8		8		3			—
Credit cards	—	—		—		2			—
Other retail	11	—		—		—			—
Total retail	1,926	76		74		4			2
Total	1,939		$123		$120		$7			$2

⁽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).

The table below summarizes how loans were modified during the nine months ended September 30, 2015, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during 2015 and were paid off in full, charged off, or sold prior to September 30, 2015.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	18		$3		$3	114		$19		$19
Commercial real estate	1	—		—		—	—		—
Total commercial	19	3		3		114	19		19
Residential mortgages	77	13		13		27	5		5
Home equity loans	77	4		4		158	30		30
Home equity lines of credit	1	—		—		5	—		—
Home equity loans serviced by others	24	1		1		—	—		—
Home equity lines of credit serviced by others	—	—		—		—	—		—
Automobile	71	1		2		5	—		—
Student	—	—		—		—	—		—
Credit cards	1,781	10		10		—	—		—
Other retail	2	—		—		—	—		—
Total retail	2,033	29		30		195	35		35
Total	2,052		$32		$33	309		$54		$54



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification			Charge-offs Resulting from Modification
Commercial	12		$30		$30		($1	)		$1
Commercial real estate	1	4		4		—			—
Total commercial	13	34		34		(1		)	1
Residential mortgages	184	19		19		(1		)	—
Home equity loans	379	25		24		—			—
Home equity lines of credit	271	18		15		—			2
Home equity loans serviced by others	97	5		4		—			1
Home equity lines of credit serviced by others	34	2		2		—			—
Automobile	651	10		9		—			2
Student	901	16		17		4			—
Credit cards	—	—		—		1			—
Other retail	19	—		—		—			—
Total retail	2,536	95		90		4			5
Total	2,549		$129		$124		$3			$6

⁽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).

Schedule of defaults

The table below summarizes TDRs that defaulted during the three and nine months ended September 30, 2016 and 2015 within 12 months of their modification date. For purposes of this table, a payment default is defined as being 90 days or more past due under the modified terms. Amounts represent the loan’s recorded investment at the time of payment default. Loan data includes loans meeting the criteria that were paid off in full, charged off, or sold prior to September 30, 2016 and 2015. If a TDR of any loan type becomes 90 days past due after being modified, the loan is written down to the fair value of collateral less cost to sell. The amount written off is charged to the ALLL.



	Three Months Ended September 30,						Nine Months Ended September 30,
	2016			2015			2016			2015
(dollars in millions)	Number of Contracts	Balance Defaulted		Number of Contracts	Balance Defaulted		Number of Contracts	Balance Defaulted		Number of Contracts	Balance Defaulted
Commercial	5		$1	7		$1	16		$4	21		$2
Commercial real estate	—	—		—	—		1	—		—	—
Total commercial	5	1		7	1		17	4		21	2
Residential mortgages	57	7		37	7		146	19		120	18
Home equity loans	14	—		47	6		39	3		130	12
Home equity lines of credit	48	4		26	3		93	8		98	6
Home equity loans serviced by others	7	—		11	1		28	1		34	2
Home equity lines of credit serviced by others	3	—		10	1		14	—		17	1
Automobile	43	—		24	—		80	1		66	1
Student	15	—		33	1		46	1		142	3
Credit cards	117	1		102	1		323	2		304	2
Other retail	2	—		1	—		2	—		4	—
Total retail	306	12		291	20		771	35		915	45
Total	311		$13	298		$21	788		$39	936		$47

Schedule of loans that may increase credit exposure

The following table presents balances of loans with these characteristics:



	September 30, 2016
(in millions)	Residential Mortgages		Home Equity Loans and Lines of Credit		Home Equity Products Serviced by Others		Credit Cards		Student		Total
High loan-to-value		$640		$728		$569		$—		$—		$1,937
Interest only/negative amortization	1,494		—		—		—		1		1,495
Low introductory rate	—		—		—		99		—		99
Multiple characteristics and other	4		—		—		—		—		4
Total		$2,138		$728		$569		$99		$1		$3,535



	December 31, 2015
(in millions)	Residential Mortgages		Home Equity Loans and Lines of Credit		Home Equity Products Serviced by Others		Credit Cards		Student		Total
High loan-to-value		$649		$1,038		$785		$—		$—		$2,472
Interest only/negative amortization	1,110		—		—		—		—		1,110
Low introductory rate	—		3		—		96		—		99
Multiple characteristics and other	14		—		—		—		—		14
Total		$1,773		$1,041		$785		$96		$—		$3,695