Loan Portfolio (Tables)

12 Months Ended

Dec. 31, 2021

Financing Receivable, before Allowance for Credit Loss [Abstract]

Loans by Category

December 31,
Dollars in millions	2021		2020
Commercial and industrial (b)	$	50,525	$	52,907
Commercial real estate:
Commercial mortgage	14,244		12,687
Construction	1,996		1,987
Total commercial real estate loans	16,240		14,674
Commercial lease financing (c)	4,071		4,399
Total commercial loans	70,836		71,980
Residential — prime loans:
Real estate — residential mortgage	15,756		9,298
Home equity loans	8,467		9,360
Total residential — prime loans	24,223		18,658
Consumer direct loans	5,753		4,714
Credit cards	972		989
Consumer indirect loans	70		4,844
Total consumer loans	31,018		29,205
Total loans (d)	$	101,854	$	101,185

(a)Accrued interest of $198 million and $241 million at December 31, 2021, and December 31, 2020, respectively, is presented in "Accrued income and other assets" on the Consolidated Balance Sheets and is excluded from the amortized cost basis disclosed in this table.

(b)Loan balances include $139 million and $127 million of commercial credit card balances at December 31, 2021, and December 31, 2020, respectively.

(c)Commercial lease financing includes receivables of $16 million and $23 million held as collateral for a secured borrowing at December 31, 2021, and December 31, 2020, respectively. Principal reductions are based on the cash payments received from these related receivables. Additional information pertaining to this secured borrowing is included in Note 20 (“Long-Term Debt”).

(d)Total loans exclude loans in the amount of $567 million at December 31, 2021, and $710 million at December 31, 2020, related to the discontinued operations of the education lending business.