Outstanding Loans and Leases (Tables)

v2.4.0.8

Outstanding Loans and Leases (Tables)	3 Months Ended
	Mar. 31, 2014
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Loans And Leases Outstanding	The following tables present total outstanding loans and leases and an aging analysis for the Corporation's Home Loans, Credit Card and Other Consumer, and Commercial portfolio segments, by class of financing receivables, at March 31, 2014 and December 31, 2013.   March 31, 2014 (Dollars in millions) 30-59 Days Past Due (1) 60-89 Days Past Due (1) 90 Days or More  Past Due (2) Total Past Due 30 Days or More Total Current or Less Than 30 Days Past Due (3) Purchased Credit - impaired (4) Loans Accounted for Under the Fair Value Option Total Outstandings Home loans                 Core portfolio                 Residential mortgage $ 1,781 $ 599 $ 6,739 $ 9,119 $ 166,813     $ 175,932 Home equity 206 108 706 1,020 52,557     53,577 Legacy Assets & Servicing portfolio                 Residential mortgage (5) 2,264 1,188 15,094 18,546 30,713 $ 17,786   67,045 Home equity 370 202 1,249 1,821 29,743 6,335   37,899 Credit card and other consumer                 U.S. credit card 534 378 966 1,878 85,814     87,692 Non-U.S. credit card 63 50 124 237 11,326     11,563 Direct/Indirect consumer (6) 339 138 364 841 80,711     81,552 Other consumer (7) 19 6 17 42 1,938     1,980 Total consumer 5,576 2,669 25,259 33,504 459,615 24,121   517,240 Consumer loans accounted for under the fair value option (8)             $ 2,149 2,149 Total consumer loans and leases 5,576 2,669 25,259 33,504 459,615 24,121 2,149 519,389 Commercial                 U.S. commercial 431 118 427 976 214,409     215,385 Commercial real estate (9) 156 22 245 423 48,417     48,840 Commercial lease financing 190 22 16 228 24,421     24,649 Non-U.S. commercial 492 278 — 770 84,860     85,630 U.S. small business commercial 90 51 124 265 13,145     13,410 Total commercial 1,359 491 812 2,662 385,252     387,914 Commercial loans accounted for under the fair value option (8)             8,914 8,914 Total commercial loans and leases 1,359 491 812 2,662 385,252   8,914 396,828 Total loans and leases $ 6,935 $ 3,160 $ 26,071 $ 36,166 $ 844,867 $ 24,121 $ 11,063 $ 916,217 Percentage of outstandings 0.76 % 0.34 % 2.85 % 3.95 % 92.21 % 2.63 % 1.21 %   (1)  Home loans 30-59 days past due includes fully-insured loans of $2.0 billion and nonperforming loans of $632 million. Home loans 60-89 days past due includes fully-insured loans of $974 million and nonperforming loans of $466 million. (2)  Home loans includes fully-insured loans of $15.1 billion. (3)  Home loans includes $6.1 billion and direct/indirect consumer includes $31 million of nonperforming loans. (4)  PCI loan amounts are shown gross of the valuation allowance. (5)  Total outstandings includes pay option loans of $3.8 billion. The Corporation no longer originates this product. (6)  Total outstandings includes dealer financial services loans of $38.0 billion, consumer lending loans of $2.3 billion, U.S. securities-based lending loans of $31.8 billion, non-U.S. consumer loans of $4.6 billion, student loans of $3.9 billion and other consumer loans of $899 million. (7)  Total outstandings includes consumer finance loans of $1.1 billion, consumer leases of $701 million, consumer overdrafts of $137 million and other non-U.S. consumer loans of $5 million. (8)  Consumer loans accounted for under the fair value option were residential mortgage loans of $2.0 billion and home equity loans of $152 million. Commercial loans accounted for under the fair value option were U.S. commercial loans of $1.4 billion and non-U.S. commercial loans of $7.5 billion. For additional information, see Note 14 – Fair Value Measurements and Note 15 – Fair Value Option. (9)  Total outstandings includes U.S. commercial real estate loans of $47.1 billion and non-U.S. commercial real estate loans of $1.7 billion.   December 31, 2013 (Dollars in millions) 30-59 Days Past Due (1) 60-89 Days Past Due (1) 90 Days or More  Past Due (2) Total Past Due 30 Days or More Total Current or Less Than 30 Days Past Due (3) Purchased Credit - impaired (4) Loans Accounted for Under  the Fair Value Option Total Outstandings Home loans                 Core portfolio                 Residential mortgage $ 2,151 $ 754 $ 7,188 $ 10,093 $ 167,243     $ 177,336 Home equity 243 113 693 1,049 53,450     54,499 Legacy Assets & Servicing portfolio                 Residential mortgage (5) 2,758 1,412 16,746 20,916 31,142 $ 18,672   70,730 Home equity 444 221 1,292 1,957 30,623 6,593   39,173 Credit card and other consumer                 U.S. credit card 598 422 1,053 2,073 90,265     92,338 Non-U.S. credit card 63 54 131 248 11,293     11,541 Direct/Indirect consumer (6) 431 175 410 1,016 81,176     82,192 Other consumer (7) 24 8 20 52 1,925     1,977 Total consumer 6,712 3,159 27,533 37,404 467,117 25,265   529,786 Consumer loans accounted for under the fair value option (8)             $ 2,164 2,164 Total consumer loans and leases 6,712 3,159 27,533 37,404 467,117 25,265 2,164 531,950 Commercial                 U.S. commercial 363 151 309 823 211,734     212,557 Commercial real estate (9) 30 29 243 302 47,591     47,893 Commercial lease financing 110 37 48 195 25,004     25,199 Non-U.S. commercial 103 8 17 128 89,334     89,462 U.S. small business commercial 87 55 113 255 13,039     13,294 Total commercial 693 280 730 1,703 386,702     388,405 Commercial loans accounted for under the fair value option (8)             7,878 7,878 Total commercial loans and leases 693 280 730 1,703 386,702   7,878 396,283 Total loans and leases $ 7,405 $ 3,439 $ 28,263 $ 39,107 $ 853,819 $ 25,265 $ 10,042 $ 928,233 Percentage of outstandings 0.80 % 0.37 % 3.04 % 4.21 % 91.99 % 2.72 % 1.08 %   (1)  Home loans 30-59 days past due includes fully-insured loans of $2.5 billion and nonperforming loans of $623 million. Home loans 60-89 days past due includes fully-insured loans of $1.2 billion and nonperforming loans of $410 million. (2)  Home loans includes fully-insured loans of $17.0 billion. (3)  Home loans includes $5.9 billion and direct/indirect consumer includes $33 million of nonperforming loans. (4)  PCI loan amounts are shown gross of the valuation allowance. (5)  Total outstandings includes pay option loans of $4.4 billion. The Corporation no longer originates this product. (6)  Total outstandings includes dealer financial services loans of $38.5 billion, consumer lending loans of $2.7 billion, U.S. securities-based lending loans of $31.2 billion, non-U.S. consumer loans of $4.7 billion, student loans of $4.1 billion and other consumer loans of $1.0 billion. (7)  Total outstandings includes consumer finance loans of $1.2 billion, consumer leases of $606 million, consumer overdrafts of $176 million and other non-U.S. consumer loans of $5 million. (8)  Consumer loans accounted for under the fair value option were residential mortgage loans of $2.0 billion and home equity loans of $147 million. Commercial loans accounted for under the fair value option were U.S. commercial loans of $1.5 billion and non-U.S. commercial loans of $6.4 billion. For additional information, see Note 14 – Fair Value Measurements and Note 15 – Fair Value Option. (9)  Total outstandings includes U.S. commercial real estate loans of $46.3 billion and non-U.S. commercial real estate loans of $1.6 billion.
Schedule of Financing Receivables, Non Accrual Status	The table below presents the Corporation's nonperforming loans and leases including nonperforming TDRs, and loans accruing past due 90 days or more at March 31, 2014 and December 31, 2013. Nonperforming loans held-for-sale (LHFS) are excluded from nonperforming loans and leases as they are recorded at either fair value or the lower of cost or fair value. For more information on the criteria for classification as nonperforming, see Note 1 – Summary of Significant Accounting Principles to the Consolidated Financial Statements of the Corporation's 2013 Annual Report on Form 10-K. Credit Quality                 Nonperforming Loans and Leases (1)   Accruing Past Due 90 Days or More (Dollars in millions) March 31 2014   December 31 2013   March 31 2014   December 31 2013 Home loans               Core portfolio               Residential mortgage (2) $ 3,366   $ 3,316   $ 4,702   $ 5,137 Home equity 1,511   1,431   —   — Legacy Assets & Servicing portfolio               Residential mortgage (2) 8,245   8,396   10,423   11,824 Home equity 2,674   2,644   —   — Credit card and other consumer               U.S. credit card n/a   n/a   966   1,053 Non-U.S. credit card n/a   n/a   124   131 Direct/Indirect consumer 32   35   364   408 Other consumer 16   18   1   2 Total consumer 15,844   15,840   16,580   18,555 Commercial               U.S. commercial 841   819   170   47 Commercial real estate 300   322   22   21 Commercial lease financing 10   16   14   41 Non-U.S. commercial 18   64   —   17 U.S. small business commercial 96   88   78   78 Total commercial 1,265   1,309   284   204 Total loans and leases $ 17,109   $ 17,149   $ 16,864   $ 18,759 (1)  Nonperforming loan balances do not include nonaccruing TDRs removed from the PCI loan portfolio prior to January 1, 2010 of $257 million and $260 million at March 31, 2014 and December 31, 2013. (2)  Residential mortgage loans in the Core and Legacy Assets & Servicing portfolios accruing past due 90 days or more are fully-insured loans. At March 31, 2014 and December 31, 2013, residential mortgage includes $11.2 billion and $13.0 billion of loans on which interest has been curtailed by the FHA, and therefore are no longer accruing interest, although principal is still insured, and $3.9 billion and $4.0 billion of loans on which interest is still accruing. n/a = not applicable
Financing Receivable Credit Quality Indicators	The following tables present certain credit quality indicators for the Corporation's Home Loans, Credit Card and Other Consumer, and Commercial portfolio segments, by class of financing receivables, at March 31, 2014 and December 31, 2013. Home Loans – Credit Quality Indicators (1)               March 31, 2014 (Dollars in millions) Core Portfolio Residential Mortgage (2) Legacy Assets & Servicing Residential Mortgage (2) Residential Mortgage PCI (3) Core Portfolio Home Equity (2) Legacy Assets & Servicing Home Equity (2) Home Equity PCI Refreshed LTV (4)             Less than or equal to 90 percent $ 97,746 $ 22,997 $ 11,401 $ 45,944 $ 16,738 $ 2,053 Greater than 90 percent but less than or equal to 100 percent 4,891 3,930 2,444 3,393 4,095 713 Greater than 100 percent 5,216 6,648 3,941 4,240 10,731 3,569 Fully-insured loans (5) 68,079 15,684 — — — — Total home loans $ 175,932 $ 49,259 $ 17,786 $ 53,577 $ 31,564 $ 6,335               Refreshed FICO score             Less than 620 $ 5,804 $ 9,928 $ 8,917 $ 2,287 $ 4,037 $ 1,045 Greater than or equal to 620 and less than 680 7,776 5,372 3,104 3,994 4,922 1,119 Greater than or equal to 680 and less than 740 23,851 7,678 3,094 11,124 8,788 1,860 Greater than or equal to 740 70,422 10,597 2,671 36,172 13,817 2,311 Fully-insured loans (5) 68,079 15,684 — — — — Total home loans $ 175,932 $ 49,259 $ 17,786 $ 53,577 $ 31,564 $ 6,335 (1)  Excludes $2.1 billion of loans accounted for under the fair value option. (2)  Excludes PCI loans. (3)  Includes $3.4 billion of pay option loans. The Corporation no longer originates this product. (4)  Refreshed LTV percentages for PCI loans are calculated using the carrying value net of the related valuation allowance. (5)  Credit quality indicators are not reported for fully-insured loans as principal repayment is insured. Credit Card and Other Consumer – Credit Quality Indicators   March 31, 2014 (Dollars in millions) U.S. Credit Card   Non-U.S. Credit Card   Direct/Indirect Consumer   Other Consumer (1) Refreshed FICO score               Less than 620 $ 4,765   $ —   $ 1,390   $ 522 Greater than or equal to 620 and less than 680 12,221   —   3,534   301 Greater than or equal to 680 and less than 740 33,988   —   9,501   335 Greater than or equal to 740 36,718   —   25,339   680 Other internal credit metrics (2, 3, 4) —   11,563   41,788   142 Total credit card and other consumer $ 87,692   $ 11,563   $ 81,552   $ 1,980 (1)  57 percent of the other consumer portfolio is associated with portfolios from certain consumer finance businesses that the Corporation previously exited. (2)  Other internal credit metrics may include delinquency status, geography or other factors. (3)  Direct/indirect consumer includes $36.3 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $3.9 billion of loans the Corporation no longer originates. (4)  Non-U.S. credit card represents the U.K. credit card portfolio which is evaluated using internal credit metrics, including delinquency status. At March 31, 2014, 98 percent of this portfolio was current or less than 30 days past due, one percent was 30-89 days past due and one percent was 90 days or more past due. Commercial – Credit Quality Indicators (1)   March 31, 2014 (Dollars in millions) U.S. Commercial   Commercial Real Estate   Commercial Lease Financing   Non-U.S. Commercial   U.S. Small Business Commercial (2) Risk ratings                   Pass rated $ 208,146   $ 47,422   $ 23,678   $ 84,535   $ 1,017 Reservable criticized 7,239   1,418   971   1,095   324 Refreshed FICO score (3)                   Less than 620                 229 Greater than or equal to 620 and less than 680                 545 Greater than or equal to 680 and less than 740                 1,585 Greater than or equal to 740                 2,888 Other internal credit metrics (3, 4)                 6,822 Total commercial $ 215,385   $ 48,840   $ 24,649   $ 85,630   $ 13,410 (1)  Excludes $8.9 billion of loans accounted for under the fair value option. (2)  U.S. small business commercial includes $309 million of criticized business card and small business loans which are evaluated using refreshed FICO scores or internal credit metrics, including delinquency status, rather than risk ratings. At March 31, 2014, 99 percent of the balances where internal credit metrics are used was current or less than 30 days past due. (3)  Refreshed FICO score and other internal credit metrics are applicable only to the U.S. small business commercial portfolio. (4)  Other internal credit metrics may include delinquency status, application scores, geography or other factors. Home Loans – Credit Quality Indicators (1)               December 31, 2013 (Dollars in millions) Core Portfolio Residential Mortgage (2) Legacy Assets & Servicing Residential Mortgage (2) Residential Mortgage PCI (3) Core Portfolio Home Equity (2) Legacy Assets & Servicing Home Equity (2) Home Equity PCI Refreshed LTV (4)             Less than or equal to 90 percent $ 95,833 $ 22,391 $ 11,400 $ 45,898 $ 16,714 $ 2,036 Greater than 90 percent but less than or equal to 100 percent 5,541 4,134 2,653 3,659 4,233 698 Greater than 100 percent 6,250 7,998 4,619 4,942 11,633 3,859 Fully-insured loans (5) 69,712 17,535 — — — — Total home loans $ 177,336 $ 52,058 $ 18,672 $ 54,499 $ 32,580 $ 6,593               Refreshed FICO score             Less than 620 $ 5,924 $ 10,391 $ 9,792 $ 2,343 $ 4,229 $ 1,072 Greater than or equal to 620 and less than 680 7,863 5,452 3,135 4,057 5,050 1,165 Greater than or equal to 680 and less than 740 24,034 7,791 3,034 11,276 9,032 1,935 Greater than or equal to 740 69,803 10,889 2,711 36,823 14,269 2,421 Fully-insured loans (5) 69,712 17,535 — — — — Total home loans $ 177,336 $ 52,058 $ 18,672 $ 54,499 $ 32,580 $ 6,593 (1)  Excludes $2.2 billion of loans accounted for under the fair value option. (2)  Excludes PCI loans. (3)  Includes $4.0 billion of pay option loans. The Corporation no longer originates this product. (4)  Refreshed LTV percentages for PCI loans are calculated using the carrying value net of the related valuation allowance. (5)  Credit quality indicators are not reported for fully-insured loans as principal repayment is insured. Credit Card and Other Consumer – Credit Quality Indicators   December 31, 2013 (Dollars in millions) U.S. Credit Card   Non-U.S. Credit Card   Direct/Indirect Consumer   Other Consumer (1) Refreshed FICO score               Less than 620 $ 4,989   $ —   $ 1,220   $ 539 Greater than or equal to 620 and less than 680 12,753   —   3,345   264 Greater than or equal to 680 and less than 740 35,413   —   9,887   199 Greater than or equal to 740 39,183   —   26,220   188 Other internal credit metrics (2, 3, 4) —   11,541   41,520   787 Total credit card and other consumer $ 92,338   $ 11,541   $ 82,192   $ 1,977 (1)  60 percent of the other consumer portfolio is associated with portfolios from certain consumer finance businesses that the Corporation previously exited. (2)  Other internal credit metrics may include delinquency status, geography or other factors. (3)  Direct/indirect consumer includes $35.8 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $4.1 billion of loans the Corporation no longer originates. (4)  Non-U.S. credit card represents the U.K. credit card portfolio which is evaluated using internal credit metrics, including delinquency status. At December 31, 2013, 98 percent of this portfolio was current or less than 30 days past due, one percent was 30-89 days past due and one percent was 90 days or more past due. Commercial – Credit Quality Indicators (1)   December 31, 2013 (Dollars in millions) U.S. Commercial   Commercial Real Estate   Commercial Lease Financing   Non-U.S. Commercial   U.S. Small Business Commercial (2) Risk ratings                   Pass rated $ 205,416   $ 46,507   $ 24,211   $ 88,138   $ 1,191 Reservable criticized 7,141   1,386   988   1,324   346 Refreshed FICO score (3)                   Less than 620                 224 Greater than or equal to 620 and less than 680                 534 Greater than or equal to 680 and less than 740                 1,567 Greater than or equal to 740                 2,779 Other internal credit metrics (3, 4)                 6,653 Total commercial $ 212,557   $ 47,893   $ 25,199   $ 89,462   $ 13,294 (1)  Excludes $7.9 billion of loans accounted for under the fair value option. (2)  U.S. small business commercial includes $289 million of criticized business card and small business loans which are evaluated using refreshed FICO scores or internal credit metrics, including delinquency status, rather than risk ratings. At December 31, 2013, 99 percent of the balances where internal credit metrics are used was current or less than 30 days past due. (3)  Refreshed FICO score and other internal credit metrics are applicable only to the U.S. small business commercial portfolio. (4)  Other internal credit metrics may include delinquency status, application scores, geography or other factors. Impaired Loans and Troubled Debt Restructurings
Impaired Financing Receivables	The table below provides the unpaid principal balance, carrying value and related allowance at March 31, 2014 and December 31, 2013, and the average carrying value and interest income recognized for the three months ended March 31, 2014 and 2013 for impaired loans in the Corporation's Home Loans portfolio segment and includes primarily loans managed by Legacy Assets & Servicing. Certain impaired home loans do not have a related allowance as the current valuation of these impaired loans exceeded the carrying value, which is net of previously recorded charge-offs. Impaired Loans – Home Loans                               Three Months Ended March 31           March 31, 2014   2014   2013 (Dollars in millions)         Unpaid Principal Balance   Carrying Value   Related Allowance   Average Carrying Value   Interest Income Recognized (1)   Average Carrying Value   Interest Income Recognized (1) With no recorded allowance                                   Residential mortgage         $ 21,554   $ 16,270   $ —   $ 16,360   $ 160   $ 15,894   $ 144 Home equity         3,309   1,417   —   1,401   22   1,134   17 With an allowance recorded                                   Residential mortgage         $ 12,213   $ 11,802   $ 907   $ 12,332   $ 131   $ 13,900   $ 154 Home equity         874   741   225   751   8   988   11 Total                                   Residential mortgage         $ 33,767   $ 28,072   $ 907   $ 28,692   $ 291   $ 29,794   $ 298 Home equity         4,183   2,158   225   2,152   30   2,122   28                                               December 31, 2013                 With no recorded allowance                                   Residential mortgage         $ 21,567   $ 16,450   $ —                 Home equity         3,249   1,385   —                 With an allowance recorded                                   Residential mortgage         $ 13,341   $ 12,862   $ 991                 Home equity         893   761   240                 Total                                   Residential mortgage         $ 34,908   $ 29,312   $ 991                 Home equity         4,142   2,146   240                 (1)  Interest income recognized includes interest accrued and collected on the outstanding balances of accruing impaired loans as well as interest cash collections on nonaccruing impaired loans for which the principal is considered collectible.
Accretable Yield Activity	The table below shows activity for the accretable yield on PCI loans, which includes the Countrywide Financial Corporation (Countrywide) portfolio and loans repurchased in connection with the settlement with FNMA. For more information on the settlement with FNMA, see Note 7 – Representations and Warranties Obligations and Corporate Guarantees of the Corporation's 2013 Annual Report on Form 10-K. The amount of accretable yield is affected by changes in credit outlooks, including metrics such as default rates and loss severities, prepayment speeds, which can change the amount and period of time over which interest payments are expected to be received, and the interest rates on variable rate loans. The reclassifications from nonaccretable difference during 2013 and in the three months ended March 31, 2014 were due to increases in expected cash flows driven by improved home prices and lower expected defaults, along with a decrease in forecasted prepayment speeds as a result of rising interest rates. Changes in the prepayment assumption affect the expected remaining life of the portfolio which results in a change to the amount of future interest cash flows. Rollforward of Accretable Yield (Dollars in millions)   Accretable yield, January 1, 2013 $ 4,644 Accretion (1,194 ) Loans purchased 1,125 Disposals/transfers (361 ) Reclassifications from nonaccretable difference 2,480 Accretable yield, December 31, 2013 6,694 Accretion (281 ) Disposals/transfers (91 ) Reclassifications from nonaccretable difference 384 Accretable yield, March 31, 2014 $ 6,706
Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Impaired Financing Receivables	The table below provides the unpaid principal balance, carrying value and related allowance at March 31, 2014 and December 31, 2013, and the average carrying value and interest income recognized for the three months ended March 31, 2014 and 2013 on the Corporation's renegotiated TDR portfolio in the Credit Card and Other Consumer portfolio segment. Impaired Loans – Credit Card and Other Consumer – Renegotiated TDRs                             Three Months Ended March 31           March 31, 2014   2014   2013 (Dollars in millions)         Unpaid Principal Balance   Carrying Value (1)   Related Allowance   Average Carrying Value   Interest Income Recognized (2)   Average Carrying Value   Interest Income Recognized (2) With no recorded allowance                                   Direct/Indirect consumer         $ 70   $ 29   $ —   $ 30   $ —   $ 52   $ — Other consumer         35   34   —   34   1   35   1 With an allowance recorded                                   U.S. credit card         1,174   1,245   282   1,407   22   2,725   42 Non-U.S. credit card         191   231   142   236   2   295   2 Direct/Indirect consumer         184   216   61   259   3   598   8 Other consumer         25   24   9   25   —   29   — Total                                   U.S. credit card         $ 1,174   $ 1,245   $ 282   $ 1,407   $ 22   $ 2,725   $ 42 Non-U.S. credit card         191   231   142   236   2   295   2 Direct/Indirect consumer         254   245   61   289   3   650   8 Other consumer         60   58   9   59   1   64   1                                               December 31, 2013                 With no recorded allowance                                   Direct/Indirect consumer         $ 75   $ 32   $ —                 Other consumer         34   34   —                 With an allowance recorded                                   U.S. credit card         1,384   1,465   337                 Non-U.S. credit card         200   240   149                 Direct/Indirect consumer         242   282   84                 Other consumer         27   26   9                 Total                                   U.S. credit card         $ 1,384   $ 1,465   $ 337                 Non-U.S. credit card         200   240   149                 Direct/Indirect consumer         317   314   84                 Other consumer         61   60   9                 (1)  Includes accrued interest and fees. (2)  Interest income recognized includes interest accrued and collected on the outstanding balances of accruing impaired loans as well as interest cash collections on nonaccruing impaired loans for which the principal is considered collectibl
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve	The table below provides information on the Corporation's primary modification programs for the renegotiated TDR portfolio at March 31, 2014 and December 31, 2013. Credit Card and Other Consumer – Renegotiated TDRs by Program Type   Internal Programs   External Programs   Other   Total   Percent of Balances Current or Less Than 30 Days Past Due (Dollars in millions) March 31 2014 December 31 2013   March 31 2014 December 31 2013   March 31 2014 December 31 2013   March 31 2014 December 31 2013   March 31 2014 December 31 2013 U.S. credit card $ 697 $ 842   $ 534 $ 607   $ 14 $ 16   $ 1,245 $ 1,465   83.44 % 82.77 % Non-U.S. credit card 64 71   24 26   143 143   231 240   48.65 49.01 Direct/Indirect consumer 129 170   82 106   34 38   245 314   85.03 84.29 Other consumer 58 60   — —   — —   58 60   73.56 71.08 Total renegotiated TDRs $ 948 $ 1,143   $ 640 $ 739   $ 191 $ 197   $ 1,779 $ 2,079   78.81 78.77
Renegotiated Troubled Debt Restructurings By Program Type	The table below provides information on the Corporation's renegotiated TDR portfolio including the March 31, 2014 and 2013 unpaid principal balance, carrying value and average pre- and post-modification interest rates of loans that were modified in TDRs during the three months ended March 31, 2014 and 2013, and net charge-offs that were recorded during the period in which the modification occurred. Credit Card and Other Consumer – Renegotiated TDRs Entered into During the Three Months Ended March 31, 2014   March 31, 2014   Three Months Ended March 31, 2014 (Dollars in millions) Unpaid Principal Balance   Carrying Value (1)   Pre-Modification Interest Rate   Post-Modification Interest Rate   Net Charge-offs U.S. credit card $ 90   $ 100   16.68 %   5.19 %   $ 3 Non-U.S. credit card 57   68   25.78   0.51   2 Direct/Indirect consumer 12   9   9.83   4.56   3 Other consumer 2   2   8.51   4.90   — Total $ 161   $ 179   19.67   3.39   $ 8                     Credit Card and Other Consumer – Renegotiated TDRs Entered into During the Three Months Ended March 31, 2013   March 31, 2013   Three Months Ended March 31, 2013 U.S. credit card $ 84   $ 85   17.00 %   6.16 %   $ 2 Non-U.S. credit card 76   80   26.24   0.65   3 Direct/Indirect consumer 17   13   10.05   5.35   4 Other consumer 1   1   9.43   6.01   — Total $ 178   $ 179   20.56   3.65   $ 9 (1)  Includes accrued interest and fees
Schedule of Renegotiated Troubled Debt Restructurings Primary Modifications	The table below provides information on the Corporation's primary modification programs for the renegotiated TDR portfolio for loans that were modified in TDRs during the three months ended March 31, 2014 and 2013. Credit Card and Other Consumer – Renegotiated TDRs Entered into During the Period by Program Type   Three Months Ended March 31, 2014 (Dollars in millions) Internal Programs   External Programs   Other   Total U.S. credit card $ 70   $ 30   $ —   $ 100 Non-U.S. credit card 35   33   —   68 Direct/Indirect consumer 3   1   5   9 Other consumer 2   —   —   2 Total renegotiated TDRs $ 110   $ 64   $ 5   $ 179                   Three Months Ended March 31, 2013 U.S. credit card $ 46   $ 39   $ —   $ 85 Non-U.S. credit card 43   37   —   80 Direct/Indirect consumer 4   3   6   13 Other consumer 1   —   —   1 Total renegotiated TDRs $ 94   $ 79   $ 6   $ 179
Commercial Financing Receivable [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Impaired Financing Receivables	The table below provides the unpaid principal balance, carrying value and related allowance at March 31, 2014 and December 31, 2013, and the average carrying value and interest income recognized for the three months ended March 31, 2014 and 2013 for impaired loans in the Corporation's Commercial loan portfolio segment. Certain impaired commercial loans do not have a related allowance as the valuation of these impaired loans exceeded the carrying value, which is net of previously recorded charge-offs. Impaired Loans – Commercial                             Three Months Ended March 31           March 31, 2014   2014   2013 (Dollars in millions)         Unpaid Principal Balance   Carrying Value   Related Allowance   Average Carrying Value   Interest Income Recognized (1)   Average Carrying Value   Interest Income Recognized (1) With no recorded allowance                                   U.S. commercial         $ 489   $ 460   $ —   $ 519   $ 2   $ 487   $ 2 Commercial real estate         238   211   —   220   1   388   1 Non-U.S. commercial         10   10   —   10   —   45   — With an allowance recorded                                   U.S. commercial         1,742   1,394   183   1,306   15   1,686   12 Commercial real estate         966   680   61   702   7   1,580   8 Non-U.S. commercial         330   76   1   71   1   109   3 U.S. small business commercial (2)         172   165   32   170   1   288   2 Total                                   U.S. commercial         $ 2,231   $ 1,854   $ 183   $ 1,825   $ 17   $ 2,173   $ 14 Commercial real estate         1,204   891   61   922   8   1,968   9 Non-U.S. commercial         340   86   1   81   1   154   3 U.S. small business commercial (2)         172   165   32   170   1   288   2                                               December 31, 2013                 With no recorded allowance                                   U.S. commercial         $ 609   $ 577   $ —                 Commercial real estate         254   228   —                 Non-U.S. commercial         10   10   —                 With an allowance recorded                                   U.S. commercial         1,581   1,262   164                 Commercial real estate         1,066   731   61                 Non-U.S. commercial         254   64   16                 U.S. small business commercial (2)         186   176   36                 Total                                   U.S. commercial         $ 2,190   $ 1,839   $ 164                 Commercial real estate         1,320   959   61                 Non-U.S. commercial         264   74   16                 U.S. small business commercial (2)         186   176   36                 (1)  Interest income recognized includes interest accrued and collected on the outstanding balances of accruing impaired loans as well as interest cash collections on nonaccruing impaired loans for which the principal is considered collectible. (2)  Includes U.S. small business commercial renegotiated TDR loans and related allowance.
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve	The table below presents the March 31, 2014 and 2013 unpaid principal balance and carrying value of commercial loans that were modified as TDRs during the three months ended March 31, 2014 and 2013, and net charge-offs that were recorded during the period in which the modification occurred. The table below includes loans that were initially classified as TDRs during the period and also loans that had previously been classified as TDRs and were modified again during the period. Commercial – TDRs Entered into During the Three Months Ended March 31, 2014   March 31, 2014   Three Months Ended March 31, 2014 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Net Charge-offs U.S. commercial $ 443   $ 276   $ 2 Commercial real estate 269   269   — Non-U.S. commercial 58   58   — U.S. small business commercial (1) 2   2   — Total $ 772   $ 605   $ 2             Commercial – TDRs Entered into During the Three Months Ended March 31, 2013   March 31, 2013   Three Months Ended March 31, 2013 U.S. commercial $ 397   $ 394   $ — Commercial real estate 266   223   — U.S. small business commercial (1) 3   4   — Total $ 666   $ 621   $ — (1)  U.S. small business commercial TDRs are comprised of renegotiated small business card loan
Residential Mortgage [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve	The table below presents the March 31, 2014 and 2013 unpaid principal balance, carrying value, and average pre- and post-modification interest rates of home loans that were modified in TDRs during the three months ended March 31, 2014 and 2013, and net charge-offs that were recorded during the period in which the modification occurred. The following Home Loans portfolio segment tables include loans that were initially classified as TDRs during the period and also loans that had previously been classified as TDRs and were modified again during the period. These TDRs are managed by Legacy Assets & Servicing. Home Loans – TDRs Entered into During the Three Months Ended March 31, 2014 (1)   March 31, 2014   Three Months Ended March 31, 2014 (Dollars in millions) Unpaid Principal Balance   Carrying  Value   Pre-Modification Interest Rate   Post-Modification Interest Rate   Net Charge-offs Residential mortgage $ 1,532   $ 1,335   5.09 %   4.62 %   $ 17 Home equity 200   140   4.50   3.58   15 Total $ 1,732   $ 1,475   5.02   4.50   $ 32                     Home Loans – TDRs Entered into During the Three Months Ended March 31, 2013 (1)   March 31, 2013   Three Months Ended March 31, 2013 Residential mortgage $ 5,439   $ 4,843   5.45 %   4.65 %   $ 39 Home equity 265   154   5.90   4.58   64 Total $ 5,704   $ 4,997   5.47   4.65   $ 103 (1)  TDRs entered into during the three months ended March 31, 2014 and 2013 include residential mortgage modifications with principal forgiveness of $17 million and $219 million.
Summary of Troubled Debt Restructuring Note, Debtor	The table below presents the March 31, 2014 and 2013 carrying value for home loans that were modified in a TDR during the three months ended March 31, 2014 and 2013 by type of modification. Home Loans – Modification Programs   TDRs Entered into During the Three Months Ended March 31, 2014 (Dollars in millions) Residential Mortgage   Home Equity   Total Carrying Value Modifications under government programs           Contractual interest rate reduction $ 213   $ 24   $ 237 Principal and/or interest forbearance 1   9   10 Other modifications (1) 20   1   21 Total modifications under government programs 234   34   268 Modifications under proprietary programs           Contractual interest rate reduction 135   4   139 Capitalization of past due amounts 21   1   22 Principal and/or interest forbearance 29   3   32 Other modifications (1) 25   —   25 Total modifications under proprietary programs 210   8   218 Trial modifications 693   38   731 Loans discharged in Chapter 7 bankruptcy (2) 198   60   258 Total modifications $ 1,335   $ 140   $ 1,475               TDRs Entered into During the Three Months Ended March 31, 2013 Modifications under government programs           Contractual interest rate reduction $ 626   $ 12   $ 638 Principal and/or interest forbearance 4   9   13 Other modifications (1) 46   —   46 Total modifications under government programs 676   21   697 Modifications under proprietary programs           Contractual interest rate reduction 1,326   24   1,350 Capitalization of past due amounts 27   —   27 Principal and/or interest forbearance 81   3   84 Other modifications (1) 28   —   28 Total modifications under proprietary programs 1,462   27   1,489 Trial modifications 2,103   31   2,134 Loans discharged in Chapter 7 bankruptcy (2) 602   75   677 Total modifications $ 4,843   $ 154   $ 4,997 (1)  Includes other modifications such as term or payment extensions and repayment plans. (2)  Includes loans discharged in Chapter 7 bankruptcy with no change in repayment terms that are classified as TDRs.
Schedule of Troubled Debt Restructurings Modified	The table below presents the carrying value of loans that entered into payment default during the three months ended March 31, 2014 and 2013 that were modified in a TDR during the 12 months preceding payment default. A payment default for home loan TDRs is recognized when a borrower has missed three monthly payments (not necessarily consecutively) since modification. Payment default on a trial modification where the borrower has not yet met the terms of the agreement are included in the table below if the borrower is 90 days or more past due three months after the offer to modify is made. Home Loans – TDRs Entering Payment Default That Were Modified During the Preceding 12 Months   Three Months Ended March 31, 2014 (Dollars in millions)  Residential Mortgage   Home Equity   Total Carrying Value Modifications under government programs $ 39   $ —   $ 39 Modifications under proprietary programs 39   —   39 Loans discharged in Chapter 7 bankruptcy (1) 103   1   104 Trial modifications 673   3   676 Total modifications $ 854   $ 4   $ 858               Three Months Ended March 31, 2013 Modifications under government programs $ 91   $ 2   $ 93 Modifications under proprietary programs 282   3   285 Loans discharged in Chapter 7 bankruptcy (1) 440   19   459 Trial modifications 552   3   555 Total modifications $ 1,365   $ 27   $ 1,392 (1)  Includes loans discharged in Chapter 7 bankruptcy with no change in repayment terms that are classified as TDRs.