Consolidated Balance Sheets - USD ($) $ in Millions		Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks		$ 865	$ 732
Short-term investments		4,073	1,272
Trading account assets		795	1,040
Securities available for sale		20,807	21,843
Held-to-maturity securities (fair value: $10,012 and $10,116)		9,638	10,067
Other investments		679	605
Loans, net of unearned income of $575 and $603		103,198	94,646
Less: Allowance for loan and lease losses		(1,359)	(900)
Net loans		101,839	93,746
Loans held for sale	[1]	2,143	1,334
Premises and equipment		791
Premises and equipment			814
Goodwill		2,664	2,664
Other intangible assets		236	253
Corporate-owned life insurance		4,243	4,233
Accrued income and other assets		6,604	5,494
Discontinued assets		820	891
Total assets		156,197	144,988
Deposits in domestic offices:
NOW and money market deposit accounts		71,005	66,714
Savings deposits		4,753	4,651
Certificates of deposit ($100,000 or more)		5,630	6,598
Other time deposits		4,623	5,054
Total interest-bearing deposits		86,011	83,017
Noninterest-bearing deposits		29,293	28,853
Total deposits		115,304	111,870
Federal funds purchased and securities sold under repurchase agreements		2,444	387
Bank notes and other short-term borrowings		4,606	705
Accrued expense and other liabilities		2,700	2,540
Long-term debt		13,732	12,448
Total liabilities		138,786	127,950
EQUITY
Preferred stock		1,900	1,900
Common Shares, $1 par value; authorized 2,100,000,000 and 2,100,000,000 shares; issued 1,256,702,081 and 1,256,702,081 shares		1,257	1,257
Capital surplus		6,222	6,295
Retained earnings		12,174	12,469
Treasury stock, at cost (281,383,095 and 279,513,530 shares)		(4,956)	(4,909)
Accumulated other comprehensive income (loss)		814	26
Key shareholders’ equity		17,411	17,038
Noncontrolling interests		0	0
Total equity		17,411	17,038
Total liabilities and equity		$ 156,197	$ 144,988

[1] Total loans held for sale include real estate — residential mortgage loans held for sale at fair value of $152 million at March 31, 2020, and $140 million at December 31, 2019.