Loans and ACL (Tables)

6 Months Ended

Jun. 30, 2013

Allowance for Credit Losses

Aging Analysis of Past Due Loans and Leases

			Accruing
							90 Days Or
					30-89 Days		More Past
June 30, 2013			Current		Past Due		Due		Nonaccrual		Total
			(Dollars in millions)
Commercial:
	Commercial and industrial		$	38,209	$	32	$	3	$	457	$	38,701
	CRE - other			11,249		10		―		181		11,440
	CRE - residential ADC			991		2		―		65		1,058
	Other lending subsidiaries			4,372		13		4		2		4,391
Retail:
	Direct retail lending			15,797		123		30		119		16,069
	Revolving credit			2,292		20		13		―		2,325
	Residential mortgage			21,918		465		68		254		22,705
	Sales finance			8,764		47		5		5		8,821
	Other lending subsidiaries			6,151		228		―		66		6,445
		Total excluding government and GNMA guaranteed		109,743		940		123		1,149		111,955
Residential mortgage loans excluded from above:
	Government guaranteed			256		93		244		―		593
	GNMA guaranteed			―		5		492		―		497
		Total	$	109,999	$	1,038	$	859	$	1,149	$	113,045

			Accruing
							90 Days Or
					30-89 Days		More Past
December 31, 2012			Current		Past Due		Due		Nonaccrual		Total
			(Dollars in millions)
Commercial:
	Commercial and industrial		$	37,706	$	42	$	1	$	546	$	38,295
	CRE - other			11,237		12		―		212		11,461
	CRE - residential ADC			1,131		2		―		128		1,261
	Other lending subsidiaries			4,106		20		9		3		4,138
Retail:
	Direct retail lending			15,502		145		38		132		15,817
	Revolving credit			2,291		23		16		―		2,330
	Residential mortgage			22,330		498		92		269		23,189
	Sales finance			7,663		56		10		7		7,736
	Other lending subsidiaries			5,645		270		1		83		5,999
		Total excluding government and GNMA guaranteed		107,611		1,068		167		1,380		110,226
Residential mortgage loans excluded from above:
	Government guaranteed			225		84		252		―		561
	GNMA guaranteed			―		5		517		―		522
		Total	$	107,836	$	1,157	$	936	$	1,380	$	111,309

Analysis of the Allowance for Credit Losses

		ACL Rollforward
			Beginning		Charge-						Ending
Three Months Ended June 30, 2013			Balance		Offs		Recoveries		Provision		Balance
			(Dollars in millions)
Commercial:
	Commercial and industrial		$	528	$	(70)	$	10	$	(9)	$	459
	CRE - other			171		(30)		7		54		202
	CRE - residential ADC			47		(19)		3		37		68
	Other lending subsidiaries			13		(1)		―		4		16
Retail:
	Direct retail lending			254		(42)		10		(4)		218
	Revolving credit			97		(20)		5		31		113
	Residential mortgage			316		(16)		1		28		329
	Sales finance			30		(5)		2		15		42
	Other lending subsidiaries			300		(60)		10		38		288
Covered				139		(2)		―		(11)		126
Unallocated				80		―		―		(40)		40
ALLL				1,975		(265)		48		143		1,901
RUFC				56		―		―		25		81
ACL			$	2,031	$	(265)	$	48	$	168	$	1,982

		ACL Rollforward
			Beginning		Charge-						Ending
Three Months Ended June 30, 2012			Balance		Offs		Recoveries		Provision		Balance
			(Dollars in millions)
Commercial:
	Commercial and industrial		$	526	$	(92)	$	4	$	87	$	525
	CRE - other			294		(51)		3		59		305
	CRE - residential ADC			206		(74)		23		2		157
	Other lending subsidiaries			13		(3)		―		3		13
Retail:
	Direct retail lending			301		(56)		8		30		283
	Revolving credit			94		(20)		4		12		90
	Residential mortgage			301		(30)		1		37		309
	Sales finance			32		(7)		2		(2)		25
	Other lending subsidiaries			182		(44)		7		55		200
Covered				137		(12)		―		14		139
Unallocated				95		―		―		(15)		80
ALLL				2,181		(389)		52		282		2,126
RUFC				40		―		―		(9)		31
ACL			$	2,221	$	(389)	$	52	$	273	$	2,157

		ACL Rollforward
			Beginning		Charge-						Ending
Six Months Ended June 30, 2013			Balance		Offs		Recoveries		Provision		Balance
			(Dollars in millions)
Commercial:
	Commercial and industrial		$	470	$	(161)	$	17	$	133	$	459
	CRE - other			204		(66)		11		53		202
	CRE - residential ADC			100		(39)		9		(2)		68
	Other lending subsidiaries			13		(2)		1		4		16
Retail:
	Direct retail lending			300		(84)		18		(16)		218
	Revolving credit			102		(41)		10		42		113
	Residential mortgage			328		(49)		2		48		329
	Sales finance			29		(11)		4		20		42
	Other lending subsidiaries			264		(127)		18		133		288
Covered				128		(16)		―		14		126
Unallocated				80		―		―		(40)		40
ALLL				2,018		(596)		90		389		1,901
RUFC				30		―		―		51		81
ACL			$	2,048	$	(596)	$	90	$	440	$	1,982

		ACL Rollforward
			Beginning		Charge-						Ending
Six Months Ended June 30, 2012			Balance		Offs		Recoveries		Provision		Balance
			(Dollars in millions)
Commercial:
	Commercial and industrial		$	433	$	(155)	$	8	$	239	$	525
	CRE - other			334		(124)		6		89		305
	CRE - residential ADC			286		(128)		31		(32)		157
	Other lending subsidiaries			11		(6)		1		7		13
Retail:
	Direct retail lending			232		(113)		18		146		283
	Revolving credit			112		(42)		9		11		90
	Residential mortgage			365		(72)		2		14		309
	Sales finance			38		(14)		5		(4)		25
	Other lending subsidiaries			186		(101)		13		102		200
Covered				149		(27)		―		17		139
Unallocated				110		―		―		(30)		80
ALLL				2,256		(782)		93		559		2,126
RUFC				29		―		―		2		31
ACL			$	2,285	$	(782)	$	93	$	561	$	2,157

Breakdown of ALLL Based on Method for Determining Allowance

			ALLL
			June 30, 2013				December 31, 2012
			Individually		Collectively		Individually		Collectively
			Evaluated		Evaluated		Evaluated		Evaluated
			for		for		for		for
			Impairment		Impairment		Impairment		Impairment
			(Dollars in millions)
Commercial:
	Commercial and industrial		$	70	$	389	$	73	$	397
	CRE - other			33		169		36		168
	CRE - residential ADC			10		58		21		79
	Other lending subsidiaries			―		16		1		12
Retail:
	Direct retail lending			41		177		59		241
	Revolving credit			23		90		24		78
	Residential mortgage			164		165		130		198
	Sales finance			4		38		6		23
	Other lending subsidiaries			81		207		61		203
Covered				―		126		―		128
Unallocated				―		40		―		80
		Total	$	426	$	1,475	$	411	$	1,607

Breakdown of Recorded Investment in Loans Based on Method for Determining Allowance

			Loans and Leases
			June 30, 2013				December 31, 2012
			Individually		Collectively		Individually		Collectively
			Evaluated		Evaluated		Evaluated		Evaluated
			for		for		for		for
			Impairment		Impairment		Impairment		Impairment
			(Dollars in millions)
Commercial:
	Commercial and industrial		$	545	$	38,156	$	631	$	37,664
	CRE - other			278		11,162		312		11,149
	CRE - residential ADC			94		964		155		1,106
	Other lending subsidiaries			3		4,388		3		4,135
Retail:
	Direct retail lending			225		15,844		235		15,582
	Revolving credit			53		2,272		56		2,274
	Residential mortgage			1,239		22,556		1,187		23,085
	Sales finance			21		8,800		22		7,714
	Other lending subsidiaries			202		6,243		146		5,853
Covered				―		2,749		―		3,294
		Total	$	2,660	$	113,134	$	2,747	$	111,856

Schedule of Commercial Credit Exposure Credit Risk Profile by Internal Loan Risk Rating

							CRE -		Other
			Commercial				Residential		Lending
June 30, 2013			& Industrial		CRE - Other		ADC		Subsidiaries
			(Dollars in millions)
Commercial:
	Pass		$	36,714	$	10,390	$	810	$	4,351
	Special mention			249		114		16		25
	Substandard - performing			1,281		755		167		13
	Nonperforming			457		181		65		2
		Total	$	38,701	$	11,440	$	1,058	$	4,391

							CRE -		Other
			Commercial				Residential		Lending
December 31, 2012			& Industrial		CRE - Other		ADC		Subsidiaries
			(Dollars in millions)
Commercial:
	Pass		$	36,044	$	10,095	$	859	$	4,093
	Special mention			274		120		41		13
	Substandard - performing			1,431		1,034		233		29
	Nonperforming			546		212		128		3
		Total	$	38,295	$	11,461	$	1,261	$	4,138

Schedule of Retail Credit Exposure Credit Risk Profile Based on Payment Activity

			Direct Retail		Revolving		Residential		Sales		Other Lending
June 30, 2013			Lending		Credit		Mortgage		Finance		Subsidiaries
			(Dollars in millions)
Retail:
	Performing		$	15,950	$	2,325	$	23,541	$	8,816	$	6,379
	Nonperforming			119		―		254		5		66
		Total	$	16,069	$	2,325	$	23,795	$	8,821	$	6,445

			Direct Retail		Revolving		Residential		Sales		Other Lending
December 31, 2012			Lending		Credit		Mortgage		Finance		Subsidiaries
			(Dollars in millions)
Retail:
	Performing		$	15,685	$	2,330	$	24,003	$	7,729	$	5,916
	Nonperforming			132		―		269		7		83
		Total	$	15,817	$	2,330	$	24,272	$	7,736	$	5,999

Schedule of Information Regarding Impaired Loans

										Average		Interest
				Recorded				Related		Recorded		Income
As Of / For The Six Months Ended June 30, 2013				Investment		UPB		Allowance		Investment		Recognized
				(Dollars in millions)
With no related allowance recorded:
	Commercial:
		Commercial and industrial		$	116	$	228	$	―	$	121	$	―
		CRE - other			43		74		―		57		―
		CRE - residential ADC			29		63		―		39		―
	Retail:
		Direct retail lending			24		81		―		23		1
		Residential mortgage (1)			130		217		―		122		2
		Sales finance			1		3		―		1		―
		Other lending subsidiaries			2		7		―		3		―
With an allowance recorded:
	Commercial:
		Commercial and industrial			429		462		70		498		2
		CRE - other			235		250		33		241		2
		CRE - residential ADC			65		69		10		88		1
		Other lending subsidiaries			3		2		―		2		―
	Retail:
		Direct retail lending			201		205		41		209		6
		Revolving credit			53		53		23		55		1
		Residential mortgage (1)			743		759		108		746		16
		Sales finance			20		20		4		21		1
		Other lending subsidiaries			200		201		81		171		4
			Total (1)	$	2,294	$	2,694	$	370	$	2,397	$	36

											Average		Interest
					Recorded				Related		Recorded		Income
	As Of / For The Year Ended December 31, 2012				Investment		UPB		Allowance		Investment		Recognized
					(Dollars in millions)
	With no related allowance recorded:
		Commercial:
			Commercial and industrial		$	116	$	232	$	―	$	117	$	―
			CRE - other			60		108		―		81		―
			CRE - residential ADC			44		115		―		103		―
		Retail:
			Direct retail lending			19		73		―		19		1
			Residential mortgage (1)			120		201		―		80		2
			Sales finance			1		3		―		1		―
			Other lending subsidiaries			2		6		―		3		―
	With an allowance recorded:
		Commercial:
			Commercial and industrial			515		551		73		522		3
			CRE - other			252		255		36		319		5
			CRE - residential ADC			111		116		21		180		1
			Other lending subsidiaries			3		3		1		4		―
		Retail:
			Direct retail lending			216		226		59		140		9
			Revolving credit			56		56		24		59		2
			Residential mortgage (1)			754		770		104		649		28
			Sales finance			21		21		6		13		―
			Other lending subsidiaries			144		146		61		66		2
				Total (1)	$	2,434	$	2,882	$	385	$	2,356	$	53
(1)	Residential mortgage loans exclude $366 million and $313 million in government guaranteed loans and related allowance of $56 million and $26 million as of June 30, 2013 and December 31, 2012, respectively.

Carrying Amount of Purchased Impaired and Nonimpaired Loans

		Six Months Ended June 30, 2013								Year Ended December 31, 2012
		Purchased Impaired				Purchased Nonimpaired				Purchased Impaired				Purchased Nonimpaired
				Carrying				Carrying				Carrying				Carrying
		Accretable		Amount		Accretable		Amount		Accretable		Amount		Accretable		Amount
		Yield		of Loans		Yield		of Loans		Yield		of Loans		Yield		of Loans
		(Dollars in millions)
Balance at beginning of period		$	264	$	1,400	$	617	$	1,894	$	520	$	2,123	$	1,193	$	2,744
	Accretion		(80)		80		(175)		175		(219)		219		(541)		541
	Payments received, net		―		(307)		―		(493)		―		(942)		―		(1,391)
	Other, net		23		―		14		―		(37)		―		(35)		―
Balance at end of period		$	207	$	1,173	$	456	$	1,576	$	264	$	1,400	$	617	$	1,894
Outstanding UPB at end of period				$	1,687			$	2,026			$	2,047			$	2,489

Schedule of Performing and Nonperforming TDRs

			June 30,		December 31,
			2013		2012
			(Dollars in millions)
Performing TDRs:
	Commercial:
		Commercial and industrial	$	59	$	77
		CRE - other		61		67
		CRE - residential ADC		26		21
	Direct retail lending			188		197
	Sales finance			17		19
	Revolving credit			53		56
	Residential mortgage			726		769
	Other lending subsidiaries			183		121
		Total performing TDRs		1,313		1,327
Nonperforming TDRs (also included in NPL disclosures)				211		240
		Total TDRs	$	1,524	$	1,567
ALLL attributable to TDRs, excluding government guaranteed			$	279	$	281
Government guaranteed residential mortgage TDRs excluded from above table:
	Held for investment		$	366	$	313
	Held for sale			1		2

Summary Of Reason For Classification As Troubled Debt Restructurings

		Three Months Ended June 30,
		2013						2012
		Types of						Types of
		Modifications				Impact To		Modifications				Impact To
		Rate		Structure		Allowance		Rate		Structure		Allowance
		(Dollars in millions)
Commercial:
	Commercial and industrial	$	23	$	9	$	1	$	9	$	11	$	―
	CRE - other		10		14		―		26		5		(1)
	CRE - residential ADC		10		3		(2)		22		8		(2)
Retail:
	Direct retail lending		9		3		1		10		4		2
	Revolving credit		6		―		1		7		―		1
	Residential mortgage		20		26		3		27		37		6
	Sales finance		10		11		1		1		―		―
	Other lending subsidiaries		37		―		6		21		―		4

		Six Months Ended June 30,
		2013						2012
		Types of						Types of
		Modifications				Impact To		Modifications				Impact To
		Rate		Structure		Allowance		Rate		Structure		Allowance
		(Dollars in millions)
Commercial:
	Commercial and industrial	$	38	$	15	$	1	$	14	$	39	$	―
	CRE - other		37		29		1		30		14		―
	CRE - residential ADC		15		5		(2)		22		21		(2)
Retail:
	Direct retail lending		21		5		2		16		6		3
	Revolving credit		14		―		3		15		―		3
	Residential mortgage		35		47		6		82		46		9
	Sales finance		28		16		2		3		―		―
	Other lending subsidiaries		92		―		24		29		2		8

Modifications that defaulted during the period that had been classified as a TDR during the previous 12 months

		Three Months Ended June 30,				Six Months Ended June 30,
		2013		2012		2013		2012
		(Dollars in millions)
Commercial:
	Commercial and industrial	$	1	$	2	$	3	$	4
	Commercial real estate - other		6		4		6		5
	Commercial real estate - residential ADC		3		4		4		12
Retail:
	Direct retail lending		1		2		2		4
	Revolving credit		2		3		5		6
	Residential mortgage		4		7		12		24
	Sales finance		1		―		1		―
	Other lending subsidiaries		6		1		12		3

NPAs and 90 Days Past Due and Still Accruing

			June 30,		December 31,
			2013		2012
			(Dollars in millions)
NPLs held for investment			$	1,149	$	1,380
Foreclosed real estate				89		107
Other foreclosed property				38		49
		Total NPAs (excluding covered assets)	$	1,276	$	1,536
Loans 90 days or more past due and still accruing (excluding covered loans)			$	123	$	167
Amounts excluded from above table:
	Covered foreclosed real estate		$	181	$	254
	GNMA guaranteed residential mortgage loans 90 days or more past due			492		517
	Covered loans 90 days or more past due			401		442
	Government guaranteed residential mortgage loans 90 days or more past due			244		252