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LOANS (Details 4) (Consumer, USD $)
In Millions, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2014
loan
Jun. 30, 2013
loan
Jun. 30, 2014
loan
Jun. 30, 2013
loan
Loans receivable        
Period within which default occurred post-modification     1 year  
Number of days past due, non-accrual status     60 days 60 days
Commercial market loans
       
Loans receivable        
Number of days past due, non-accrual status     90 days 90 days
In North America Offices
       
Loans receivable        
Number of loans modified 59,942 [1] 60,491 [1] 125,538 [1] 127,563 [1]
Post-modification recorded investment $ 877 [1],[2],[3] $ 1,752 [1],[2],[4] $ 1,952 [1],[5],[6] $ 3,408 [1],[5],[6]
Deferred principal 11 [1],[7] 12 [1],[7] 30 [1],[8] 18 [1],[8]
Contingent principal forgiveness 7 2 [1],[9] 19 [1],[9] 2 [1],[9]
Principal forgiveness 4 [1],[10] 50 [1],[10] 16 [1],[10] 140 [1],[10]
Loans in default 255 508 599 1,042
In North America Offices | Residential First Mortgage Loans
       
Loans receivable        
Number of loans modified 4,568 9,071 10,347 18,382
Post-modification recorded investment 534 [2],[3] 1,208 [2],[4] 1,219 [5],[6] 2,454 [5],[6]
Deferred principal 10 [7] 12 [7] 28 [8] 17 [8]
Contingent principal forgiveness 7 2 [9] 19 [9] 2 [9]
Principal forgiveness 2 [10] 42 [10] 5 [10] 102 [10]
Average interest rate reduction (as a percent) 1.00% 1.00% 1.00% 1.00%
Post-modification recorded investment for borrowers that have gone through Chapter 7 bankruptcy 54 126 145 249
Loans in default 168 391 413 781
In North America Offices | Residential First Mortgage Loans | New OCC guidance
       
Loans receivable        
Post-modification recorded investment for borrowers that have gone through Chapter 7 bankruptcy 30 82 87 178
In North America Offices | Home equity loans
       
Loans receivable        
Number of loans modified 1,741 4,235 4,060 7,357
Post-modification recorded investment 63 [2],[3] 283 [2],[4] 147 [5],[6] 370 [5],[6]
Deferred principal 1 0 [7] 2 [8] 1 [8]
Principal forgiveness 2 [10] 8 [10] 11 [10] 38 [10]
Average interest rate reduction (as a percent) 3.00% 1.00% 2.00% 1.00%
Post-modification recorded investment for borrowers that have gone through Chapter 7 bankruptcy 15 25 37 45
Loans in default 17 47 40 103
In North America Offices | Home equity loans | New OCC guidance
       
Loans receivable        
Post-modification recorded investment for borrowers that have gone through Chapter 7 bankruptcy 12 22 31 38
In North America Offices | Credit cards
       
Loans receivable        
Number of loans modified 42,750 36,785 87,726 79,761
Post-modification recorded investment 190 [2],[3] 182 [2],[4] 390 [5],[6] 406 [5],[6]
Average interest rate reduction (as a percent) 15.00% 14.00% 15.00% 14.00%
Loans in default 48 49 99 114
In North America Offices | Installment and other
       
Loans receivable        
Number of loans modified 10,830 10,335 23,314 21,941
Post-modification recorded investment 81 [2],[3] 74 [2],[4] 174 [5],[6] 159 [5],[6]
Average interest rate reduction (as a percent) 6.00% 6.00% 6.00% 6.00%
Loans in default 21 19 40 42
In North America Offices | Commercial market loans
       
Loans receivable        
Number of loans modified 53 [11] 65 [11] 91 [11] 122 [11]
Post-modification recorded investment 9 [11],[2],[3] 5 [11] 22 [11],[5],[6] 19 [11],[5],[6]
Loans in default 1 2 7 2
In offices outside North America
       
Loans receivable        
Number of loans modified 71,183 [1] 49,570 [1] 145,805 [1] 96,451 [1]
Post-modification recorded investment 288 [1],[2],[3] 312 [1],[2],[4] 638 [1],[5],[6] 600 [1],[5],[6]
Deferred principal 0 1 [1],[7] 0 [1],[8] 1 [1],[8]
Contingent principal forgiveness 0 0 [1],[9] 0 [1],[9] 0 [1],[9]
Principal forgiveness 14 [1],[10] 6 [1],[10] 27 [1],[10] 11 [1],[10]
Loans in default 199 109 310 209
In offices outside North America | Residential First Mortgage Loans
       
Loans receivable        
Number of loans modified 743 1,147 1,286 2,181
Post-modification recorded investment 27 [2],[3] 57 [2],[4] 49 [5],[6] 105 [5],[6]
Principal forgiveness 0 [10] 1 [10] 1 [10] 1 [10]
Average interest rate reduction (as a percent) 1.00% 1.00% 1.00% 1.00%
Loans in default 6 18 13 35
In offices outside North America | Home equity loans
       
Loans receivable        
Number of loans modified 6 1 38 4
Post-modification recorded investment 1 0 [2],[4] 6 [5],[6]  
In offices outside North America | Credit cards
       
Loans receivable        
Number of loans modified 51,536 34,632 106,357 66,571
Post-modification recorded investment 141 [2],[3] 139 [2],[4] 291 [5],[6] 270 [5],[6]
Principal forgiveness 10 [10] 3 [10] 19 [10] 6 [10]
Average interest rate reduction (as a percent) 21.00% 14.00% 21.00% 15.00%
Loans in default 69 61 139 113
In offices outside North America | Installment and other
       
Loans receivable        
Number of loans modified 18,774 13,668 37,904 27,487
Post-modification recorded investment 78 [2],[3] 80 [2],[4] 158 [5],[6] 179 [5],[6]
Principal forgiveness 4 [10] 2 [10] 7 [10] 4 [10]
Average interest rate reduction (as a percent) 15.00% 8.00% 12.00% 8.00%
Loans in default 29 28 58 57
In offices outside North America | Commercial market loans
       
Loans receivable        
Number of loans modified 124 [11] 122 [11] 220 [11] 208 [11]
Post-modification recorded investment 41 [11],[2],[3] 36 [11],[2],[4] 134 [11],[5],[6] 46 [11],[5],[6]
Deferred principal   1 [11]   1 [11],[8]
Average interest rate reduction (as a percent) 1.00%   1.00%  
Loans in default $ 95 $ 2 $ 100 $ 4
[1] The above tables reflect activity for loans outstanding as of the end of the reporting period that were considered TDRs.
[2] Post-modification balances include past due amounts that are capitalized at the modification date.
[3] Post-modification balances in North America include $54 million of residential first mortgages and $15 million of home equity loans to borrowers who have gone through Chapter 7 bankruptcy in the three months ended June 30, 2014. These amounts include $30 million of residential first mortgages and $12 million of home equity loans that are newly classified as TDRs in the three months ended June 30, 2014 as a result of OCC guidance, as described above.
[4] Post-modification balances in North America include $126 million of residential first mortgages and $25 million of home equity loans to borrowers who have gone through Chapter 7 bankruptcy in the three months ended June 30, 2013. These amounts include $82 million of residential first mortgages and $22 million of home equity loans that are newly classified as TDRs in the three months ended June 30, 2013 as a result of OCC guidance, as described above.
[5] Post-modification balances in North America include $145 million of residential first mortgages and $37 million of home equity loans to borrowers who have gone through Chapter 7 bankruptcy in the six months ended June 30, 2014. These amounts include $87 million of residential first mortgages and $31 million of home equity loans that are newly classified as TDRs as a result of OCC guidance received in the six months ended June 30, 2014, as described above.
[6] Post-modification balances include past due amounts that are capitalized at modification date.
[7] Represents portion of contractual loan principal that is non-interest bearing but still due from the borrower. Such deferred principal is charged off at the time of permanent modification to the extent that the related loan balance exceeds the underlying collateral value.
[8] epresents portion of contractual loan principal that is non-interest bearing but still due from the borrower. Such deferred principal is charged off at the time of permanent modification to the extent that the related loan balance exceeds the underlying collateral value.
[9] Represents portion of contractual loan principal that is non-interest bearing and, depending upon borrower performance, eligible for forgiveness.
[10] Represents portion of contractual loan principal that was forgiven at the time of permanent modification.
[11] Commercial markets loans are generally borrower-specific modifications and incorporate changes in the amount and/or timing of principal and/or interest.