Consolidated Balance Sheets - USD ($) $ in Millions		Jun. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks		$ 1,059	$ 732
Short-term investments		14,036	1,272
Trading account assets		645	1,040
Securities available for sale		23,600	21,843
Held-to-maturity securities (fair value: $9,520 and $10,116)		9,075	10,067
Other investments		655	605
Loans, net of unearned income of $515 and $603		106,159	94,646
Less: Allowance for loan and lease losses		(1,708)	(900)
Net loans		104,451	93,746
Loans held for sale	[1]	2,007	1,334
Premises and equipment		776
Premises and equipment			814
Goodwill		2,664	2,664
Other intangible assets		218	253
Corporate-owned life insurance		4,251	4,233
Accrued income and other assets		6,976	5,494
Discontinued assets		779	891
Total assets		171,192	144,988
Deposits in domestic offices:
NOW and money market deposit accounts		78,853	66,714
Savings deposits		5,371	4,651
Certificates of deposit ($100,000 or more)		4,476	6,598
Other time deposits		4,011	5,054
Total interest-bearing deposits		92,711	83,017
Noninterest-bearing deposits		42,802	28,853
Total deposits		135,513	111,870
Federal funds purchased and securities sold under repurchase agreements		267	387
Bank notes and other short-term borrowings		1,716	705
Accrued expense and other liabilities		2,420	2,540
Long-term debt		13,734	12,448
Total liabilities		153,650	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		6,240	6,295
Retained earnings		12,154	12,469
Treasury stock, at cost (280,755,557 and 279,513,530 shares)		(4,945)	(4,909)
Accumulated other comprehensive income (loss)		936	26
Key shareholders’ equity		17,542	17,038
Noncontrolling interests		0	0
Total equity		17,542	17,038
Total liabilities and equity		$ 171,192	$ 144,988

[1] Total loans held for sale include real estate — residential mortgage loans held for sale at fair value of $250 million at June 30, 2020, and $140 million at December 31, 2019.