Premises, Equipment & Lease Commitments (Tables)

12 Months Ended

Dec. 31, 2017

Property, Plant and Equipment and Lease Commitments [Abstract]

Schedule of Property, Plant and Equipment

Useful lives for premises and equipment are estimated as follows:

Premises and Equipment	Useful Lives
Buildings and improvement	5-39 years
Furniture and equipment	3-10 years
Computer software	3-5 years
Leasehold improvements	Lesser of useful life or the remaining fixed non-cancelable lease term

The following table presents our premises and equipment as of December 31, 2017 and 2016:

Table8.1: Components of Premises and Equipment

	December 31,
(Dollars in millions)	2017			2016
Land	$	406		$	423
Buildings and improvements	3,302			2,958
Furniture and equipment	1,901			1,834
Computer software	1,753			1,681
In progress	902			591
Total premises and equipment, gross	8,264			7,487
Less: Accumulated depreciation and amortization	(4,231		)	(3,812		)
Total premises and equipment, net	$	4,033		$	3,675

Schedule of Future Minimum Rental Payments for Operating Leases

Future minimum rental commitments as of December 31, 2017, for all non-cancellable operating leases with initial or remaining terms of one year or more are as follows:

Table8.2: Lease Commitments

(Dollars in millions)	Estimated Future Minimum Rental Commitments
2018	$	332
2019	316
2020	300
2021	276
2022	251
Thereafter	1,177
Total	$	2,652