Consolidated Balance Sheets - USD ($) $ in Millions		Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks		$ 956	$ 732
Short-term investments		14,148	1,272
Trading account assets		733	1,040
Securities available for sale		26,895	21,843
Held-to-maturity securities (fair value: $8,842 and $10,116)		8,384	10,067
Other investments		620	605
Loans, net of unearned income of $481 and $603		103,081	94,646
Less: Allowance for loan and lease losses		(1,730)	(900)
Net loans		101,351	93,746
Loans held for sale	[1]	1,724	1,334
Premises and equipment		765
Premises and equipment			814
Goodwill		2,664	2,664
Other intangible assets		203	253
Corporate-owned life insurance		4,274	4,233
Accrued income and other assets		7,084	5,494
Discontinued assets		739	891
Total assets		170,540	144,988
Deposits in domestic offices:
NOW and money market deposit accounts		80,791	66,714
Savings deposits		5,585	4,651
Certificates of deposit ($100,000 or more)		3,345	6,598
Other time deposits		3,450	5,054
Total interest-bearing deposits		93,171	83,017
Noninterest-bearing deposits		43,575	28,853
Total deposits		136,746	111,870
Federal funds purchased and securities sold under repurchase agreements		213	387
Bank notes and other short-term borrowings		818	705
Accrued expense and other liabilities		2,356	2,540
Long-term debt		12,685	12,448
Total liabilities		152,818	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		6,263	6,295
Retained earnings		12,375	12,469
Treasury stock, at cost (280,497,287 and 279,513,530 shares)		(4,940)	(4,909)
Accumulated other comprehensive income (loss)		867	26
Key shareholders’ equity		17,722	17,038
Noncontrolling interests		0	0
Total equity		17,722	17,038
Total liabilities and equity		$ 170,540	$ 144,988

[1] Total loans held for sale include real estate — residential mortgage loans held for sale at fair value of $288 million at September 30, 2020, and $140 million at December 31, 2019.