Outstanding Loans and Leases (Tables)

v2.4.0.6

Outstanding Loans and Leases (Tables)	12 Months Ended
	Dec. 31, 2012
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Loans And Leases Outstanding [Table Text Block]	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 December 31, 2012 and 2011.                                   December 31, 2012 (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 (5) $ 2,274   $ 806   $ 6,227   $ 9,307   $ 160,809           $ 170,116 Home equity 273   146   591   1,010   59,841           60,851 Legacy Assets & Servicing portfolio                               Residential mortgage 2,891   1,696   26,494   31,081   33,247   $ 8,737       73,065 Home equity 607   356   1,444   2,407   36,191   8,547       47,145 Discontinued real estate (6) 48   19   234   301   757   8,834       9,892 Credit card and other consumer                               U.S. credit card 729   582   1,437   2,748   92,087           94,835 Non-U.S. credit card 106   85   212   403   11,294           11,697 Direct/Indirect consumer (7) 569   239   573   1,381   81,824           83,205 Other consumer (8) 48   19   4   71   1,557           1,628 Total consumer loans 7,545   3,948   37,216   48,709   477,607   26,118       552,434 Consumer loans accounted for under the fair value option (9)                         $ 1,005   1,005 Total consumer 7,545   3,948   37,216   48,709   477,607   26,118   1,005   553,439 Commercial                               U.S. commercial 323   133   639   1,095   196,031           197,126 Commercial real estate (10) 79   144   983   1,206   37,431           38,637 Commercial lease financing 84   79   30   193   23,650           23,843 Non-U.S. commercial 2   —   —   2   74,182           74,184 U.S. small business commercial 101   75   168   344   12,249           12,593 Total commercial loans 589   431   1,820   2,840   343,543           346,383 Commercial loans accounted for under the fair value option (9)                         7,997   7,997 Total commercial 589   431   1,820   2,840   343,543       7,997   354,380 Total loans and leases $ 8,134   $ 4,379   $ 39,036   $ 51,549   $ 821,150   $ 26,118   $ 9,002   $ 907,819 Percentage of outstandings 0.90 %   0.48 %   4.30 %   5.68 %   90.45 %   2.88 %   0.99 %     (1)  Home loans 30-59 days past due includes $2.3 billion of fully-insured loans and $702 million of nonperforming loans. Home loans 60-89 days past due includes $1.3 billion of fully-insured loans and $558 million of nonperforming loans. (2)  Home loans includes $22.2 billion of fully-insured loans. (3)  Home loans includes $5.5 billion and direct/indirect consumer includes $63 million of nonperforming loans. (4)  PCI loan amounts are shown gross of the valuation allowance. (5)  Total outstandings includes non-U.S. residential mortgage loans of $93 million. (6)  Total outstandings includes $8.8 billion of pay option loans and $1.1 billion of subprime loans. The Corporation no longer originates these products. (7)  Total outstandings includes dealer financial services loans of $35.9 billion, consumer lending loans of $4.7 billion, U.S. securities-based lending margin loans of $28.3 billion, student loans of $4.8 billion, non-U.S. consumer loans of $8.3 billion and other consumer loans of $1.2 billion. (8)  Total outstandings includes consumer finance loans of $1.4 billion, other non-U.S. consumer loans of $5 million and consumer overdrafts of $177 million. (9)  Consumer loans accounted for under the fair value option were residential mortgage loans of $147 million and discontinued real estate loans of $858 million. Commercial loans accounted for under the fair value option were U.S. commercial loans of $2.3 billion and non-U.S. commercial loans of $5.7 billion. For additional information, see Note 21 – Fair Value Measurements and Note 22 – Fair Value Option. (10)  Total outstandings includes U.S. commercial real estate loans of $37.2 billion and non-U.S. commercial real estate loans of $1.5 billion.                                   December 31, 2011 (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 (5) $ 2,151   $ 751   $ 3,017   $ 5,919   $ 172,418           $ 178,337 Home equity 260   155   429   844   66,211           67,055 Legacy Assets & Servicing portfolio                               Residential mortgage 3,195   2,174   32,167   37,536   36,451   $ 9,966       83,953 Home equity 845   508   1,735   3,088   42,578   11,978       57,644 Discontinued real estate (6) 65   24   351   440   798   9,857       11,095 Credit card and other consumer                               U.S. credit card 981   772   2,070   3,823   98,468           102,291 Non-U.S. credit card 148   120   342   610   13,808           14,418 Direct/Indirect consumer (7) 805   338   779   1,922   87,791           89,713 Other consumer (8) 55   21   17   93   2,595           2,688 Total consumer loans 8,505   4,863   40,907   54,275   521,118   31,801     607,194 Consumer loans accounted for under the fair value option (9)                         $ 2,190 2,190 Total consumer 8,505   4,863   40,907   54,275   521,118   31,801   2,190   609,384 Commercial                               U.S. commercial 352   166   866   1,384   178,564           179,948 Commercial real estate (10) 288   118   1,860   2,266   37,330           39,596 Commercial lease financing 78   15   22   115   21,874           21,989 Non-U.S. commercial 24   —   —   24   55,394           55,418 U.S. small business commercial 150   106   272   528   12,723           13,251 Total commercial loans 892   405   3,020   4,317   305,885           310,202 Commercial loans accounted for under the fair value option (9)                         6,614   6,614 Total commercial 892   405   3,020   4,317   305,885       6,614   316,816 Total loans and leases $ 9,397   $ 5,268   $ 43,927   $ 58,592   $ 827,003   $ 31,801   $ 8,804   $ 926,200 Percentage of outstandings 1.02 %   0.57 %   4.74 %   6.33 %   89.29 %   3.43 %   0.95 %     (1)  Home loans 30-59 days past due includes $2.2 billion of fully-insured loans and $372 million of nonperforming loans. Home loans 60-89 days past due includes $1.4 billion of fully-insured loans and $398 million of nonperforming loans. (2)  Home loans includes $21.2 billion of fully-insured loans. (3)  Home loans includes $1.8 billion and direct/indirect consumer includes $7 million of nonperforming loans. (4)  PCI loan amounts are shown gross of the valuation allowance. (5)  Total outstandings includes non-U.S. residential mortgage loans of $85 million. (6)  Total outstandings includes $9.9 billion of pay option loans and $1.2 billion of subprime loans. The Corporation no longer originates these products. (7)  Total outstandings includes dealer financial services loans of $43.0 billion, consumer lending loans of $8.0 billion, U.S. securities-based lending margin loans of $23.6 billion, student loans of $6.0 billion, non-U.S. consumer loans of $7.6 billion and other consumer loans of $1.5 billion. (8)  Total outstandings includes consumer finance loans of $1.7 billion, other non-U.S. consumer loans of $929 million and consumer overdrafts of $103 million. (9)  Consumer loans accounted for under the fair value option were residential mortgage loans of $906 million and discontinued real estate loans of $1.3 billion. Commercial loans accounted for under the fair value option were U.S. commercial loans of $2.2 billion and non-U.S. commercial loans of $4.4 billion. For additional information, see Note 21 – Fair Value Measurements and Note 22 – Fair Value Option. (10)  Total outstandings includes U.S. commercial real estate loans of $37.8 billion and non-U.S. commercial real estate loans of $1.8 billion.
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	The table below presents the Corporation’s nonperforming loans and leases including nonperforming TDRs and loans accruing past due 90 days or more at December 31, 2012 and 2011. Nonperforming LHFS are excluded from nonperforming loans and leases as they are recorded at either fair value or the lower of cost or fair value. See Note 1 – Summary of Significant Accounting Principles for further information on the criteria for classification as nonperforming.                 Credit Quality                       December 31   Nonperforming Loans and Leases (1)   Accruing Past Due 90 Days or More (Dollars in millions) 2012   2011   2012   2011 Home loans               Core portfolio               Residential mortgage (2) $ 3,190   $ 2,414   $ 3,984   $ 883 Home equity 1,265   439   —   — Legacy Assets & Servicing portfolio               Residential mortgage (2) 11,618   13,556   18,173   20,281 Home equity 3,016   2,014   —   — Discontinued real estate 248   290   —   — Credit card and other consumer               U.S. credit card n/a   n/a   1,437   2,070 Non-U.S. credit card n/a   n/a   212   342 Direct/Indirect consumer 92   40   545   746 Other consumer 2   15   2   2 Total consumer 19,431   18,768   24,353   24,324 Commercial               U.S. commercial 1,484   2,174   65   75 Commercial real estate 1,513   3,880   29   7 Commercial lease financing 44   26   15   14 Non-U.S. commercial 68   143   —   — U.S. small business commercial 115   114   120   216 Total commercial 3,224   6,337   229   312 Total consumer and commercial $ 22,655   $ 25,105   $ 24,582   $ 24,636 (1)  Nonperforming loan balances do not include nonaccruing TDRs removed from the PCI portfolio prior to January 1, 2010 of $521 million and $477 million at December 31, 2012 and 2011. (2)  Residential mortgage loans accruing past due 90 days or more are fully-insured loans. At December 31, 2012 and 2011, residential mortgage includes $17.8 billion and $17.0 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 $4.4 billion and $4.2 billion of loans on which interest is still accruing. n/a = not applicable
Financing Receivable Credit Quality Indicators [Table Text Block]	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 December 31, 2012 and 2011.                                 Home Loans – Credit Quality Indicators (1)       December 31, 2012 (Dollars in millions) Core Portfolio Residential Mortgage (2)   Legacy Assets & Servicing Residential Mortgage (2)   Countrywide Residential Mortgage PCI   Core Portfolio Home Equity (2)   Legacy Assets & Servicing Home Equity (2)   Countrywide Home Equity PCI   Legacy Assets & Servicing Discontinued Real Estate (2)   Countrywide Discontinued Real Estate PCI Refreshed LTV (3)                               Less than 90 percent $ 80,585   $ 19,904   $ 3,516   $ 44,971   $ 15,907   $ 2,050   $ 719   $ 5,093 Greater than 90 percent but less than 100 percent 8,891   5,000   1,312   5,825   4,507   788   102   1,067 Greater than 100 percent 12,984   16,226   3,909   10,055   18,184   5,709   237   2,674 Fully-insured loans (4) 67,656   23,198   —   —   —   —   —   — Total home loans $ 170,116   $ 64,328   $ 8,737   $ 60,851   $ 38,598   $ 8,547   $ 1,058   $ 8,834 Refreshed FICO score                               Less than 620 $ 6,366   $ 13,900   $ 3,249   $ 2,586   $ 5,408   $ 1,930   $ 429   $ 5,471 Greater than or equal to 620 and less than 680 8,561   6,006   1,381   4,500   5,885   1,500   160   1,359 Greater than or equal to 680 and less than 740 25,141   8,411   1,886   12,625   10,387   2,278   206   1,106 Greater than or equal to 740 62,392   12,813   2,221   41,140   16,918   2,839   263   898 Fully-insured loans (4) 67,656   23,198   —   —   —   —   —   — Total home loans $ 170,116   $ 64,328   $ 8,737   $ 60,851   $ 38,598   $ 8,547   $ 1,058   $ 8,834 (1)  Excludes $1.0 billion of loans accounted for under the fair value option. (2)  Excludes Countrywide PCI loans. (3)  Refreshed LTV percentages for PCI loans are calculated using the carrying value net of the related valuation allowance. (4)  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, 2012 (Dollars in millions) U.S. Credit Card   Non-U.S. Credit Card   Direct/Indirect Consumer   Other Consumer (1) Refreshed FICO score               Less than 620 $ 6,188   $ —   $ 1,896   $ 668 Greater than or equal to 620 and less than 680 13,947   —   3,367   301 Greater than or equal to 680 and less than 740 37,167   —   9,592   232 Greater than or equal to 740 37,533   —   25,164   212 Other internal credit metrics (2, 3, 4) —   11,697   43,186   215 Total credit card and other consumer $ 94,835   $ 11,697   $ 83,205   $ 1,628 (1)  87 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 $36.5 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $4.8 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, 2012, 97 percent of this portfolio was current or less than 30 days past due, one percent was 30-89 days past due and two percent was 90 days or more past due.                     Commercial – Credit Quality Indicators (1)       December 31, 2012 (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 $ 189,602   $ 34,968   $ 22,874   $ 72,688   $ 1,690 Reservable criticized 7,524   3,669   969   1,496   573 Refreshed FICO score (3)                   Less than 620                 400 Greater than or equal to 620 and less than 680                 580 Greater than or equal to 680 and less than 740                 1,553 Greater than or equal to 740                 2,496 Other internal credit metrics (3, 4)                 5,301 Total commercial $ 197,126   $ 38,637   $ 23,843   $ 74,184   $ 12,593 (1)  Excludes $8.0 billion of loans accounted for under the fair value option. (2)  U.S. small business commercial includes $366 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, 2012, 98 percent of the balances where internal credit metrics are used were 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, 2011 (Dollars in millions) Core Portfolio Residential Mortgage (2)   Legacy Assets & Servicing Residential Mortgage (2)   Countrywide Residential Mortgage PCI   Core Portfolio Home Equity (2)   Legacy Assets & Servicing Home Equity (2)   Countrywide Hone Equity PCI   Legacy Assets & Servicing Discontinued Real Estate (2)   Countrywide Discontinued Real Estate PCI Refreshed LTV (3)                               Less than 90 percent $ 80,032   $ 20,450   $ 3,821   $ 46,646   $ 17,354   $ 2,253   $ 895   $ 5,953 Greater than 90 percent but less than 100 percent 11,838   5,847   1,468   6,988   4,995   1,077   122   1,191 Greater than 100 percent 17,673   22,630   4,677   13,421   23,317   8,648   221   2,713 Fully-insured loans (4) 68,794   25,060   —   —   —   —   —   — Total home loans $ 178,337   $ 73,987   $ 9,966   $ 67,055   $ 45,666   $ 11,978   $ 1,238 $ 9,857 Refreshed FICO score (5)                               Less than 620 $ 7,020   $ 17,337   $ 3,924   $ 2,843   $ 7,293   $ 4,140   $ 548   $ 6,275 Greater than or equal to 620 and less than 680 9,331   6,537   1,381   4,704   6,866   1,969   175   1,279 Greater than or equal to 680 and less than 740 26,569   9,439   2,036   13,561   11,798   2,538   228   1,223 Greater than or equal to 740 66,623   15,614   2,625   45,947   19,709   3,331   287   1,080 Fully-insured loans (4) 68,794   25,060   —   —   —   —   —   — Total home loans $ 178,337   $ 73,987   $ 9,966   $ 67,055   $ 45,666   $ 11,978   $ 1,238   $ 9,857 (1)  Excludes $2.2 billion of loans accounted for under the fair value option. (2)  Excludes Countrywide PCI loans. (3)  Refreshed LTV percentages for PCI loans are calculated using the carrying value net of the related valuation allowance. (4)  Credit quality indicators are not reported for fully-insured loans as principal repayment is insured. (5)  During 2012, refreshed home equity FICO metrics reflected an updated scoring model that is more representative of the credit risk of the Corporation’s borrowers. Prior period amounts were adjusted to reflect these updates.                 Credit Card and Other Consumer – Credit Quality Indicators       December 31, 2011 (Dollars in millions) U.S. Credit Card   Non-U.S. Credit Card   Direct/Indirect Consumer   Other Consumer (1) Refreshed FICO score               Less than 620 $ 8,172   $ —   $ 3,325   $ 802 Greater than or equal to 620 and less than 680 15,474   —   4,665   348 Greater than or equal to 680 and less than 740 39,525   —   12,351   262 Greater than or equal to 740 39,120   —   29,965   244 Other internal credit metrics (2, 3, 4) —   14,418   39,407   1,032 Total credit card and other consumer $ 102,291   $ 14,418   $ 89,713   $ 2,688 (1)  96 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 $31.1 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $6.0 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, 2011, 96 percent of this portfolio was current or less than 30 days past due, two percent was 30-89 days past due and two percent was 90 days or more past due.                     Commercial – Credit Quality Indicators (1)       December 31, 2011 (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 $ 169,599   $ 28,602   $ 20,850   $ 53,945   $ 2,392 Reservable criticized 10,349   10,994   1,139   1,473   836 Refreshed FICO score (3)                   Less than 620                 562 Greater than or equal to 620 and less than 680                 624 Greater than or equal to 680 and less than 740                 1,612 Greater than or equal to 740                 2,438 Other internal credit metrics (3, 4)                 4,787 Total commercial $ 179,948   $ 39,596   $ 21,989   $ 55,418   $ 13,251 (1)  Excludes $6.6 billion of loans accounted for under the fair value option. (2)  U.S. small business commercial includes $491 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, 2011, 97 percent of the balances where internal credit metrics are used were 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 Financing Receivables [Table Text Block]	The table below presents impaired loans in the Corporation’s Home Loans portfolio segment at and for the years ended December 31, 2012 and 2011 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.                     Impaired Loans – Home Loans           December 31, 2012   2012 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Related Allowance   Average Carrying Value   Interest Income Recognized (1) With no recorded allowance                   Residential mortgage $ 19,758   $ 14,707   n/a   $ 10,697   $ 358 Home equity 2,624   1,103   n/a   734   49 Discontinued real estate 468   260   n/a   240   8 With an allowance recorded                   Residential mortgage 14,080   13,051   $ 1,233   11,439   417 Home equity 1,256   1,022   448   1,145   44 Discontinued real estate 143   107   19   136   6 Total                   Residential mortgage $ 33,838   $ 27,758   $ 1,233   $ 22,136   $ 775 Home equity 3,880   2,125   448   1,879   93 Discontinued real estate 611   367   19   376   14                       December 31, 2011   2011 With no recorded allowance                   Residential mortgage $ 10,907   $ 8,168   n/a   $ 6,285   $ 233 Home equity 1,747   479   n/a   442   23 Discontinued real estate 421   240   n/a   222   8 With an allowance recorded                   Residential mortgage 12,296   11,119   $ 1,295   9,379   319 Home equity 1,551   1,297   622   1,357   34 Discontinued real estate 213   159   29   173   6 Total                   Residential mortgage $ 23,203   $ 19,287   $ 1,295   $ 15,664   $ 552 Home equity 3,298   1,776   622   1,799   57 Discontinued real estate 634   399   29   395   14 (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. n/a = not applicable
Accretable Yield Activity [Table Text Block]	The table below shows activity for the accretable yield on Countrywide consumer PCI loans. Reclassifications from nonaccretable difference primarily result when there is a change in expected cash flows due to various factors, including changes in interest rates on variable-rate loans and prepayment assumptions. 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, 2011 $ 5,481 Accretion (1,285 ) Disposals/transfers (118 ) Reclassifications from nonaccretable difference 912 Accretable yield, December 31, 2011 4,990 Accretion (1,034 ) Disposals/transfers (109 ) Reclassifications from nonaccretable difference 797 Accretable yield, December 31, 2012 $ 4,644
Residential Mortgage [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve [Table Text Block]	The table below presents the December 31, 2012 and 2011 unpaid principal balance, carrying value, and average pre- and post-modification interest rates of home loans that were modified in TDRs during 2012 and 2011, 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 2012 and 2011 (1)       December 31, 2012   2012 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Pre-modification Interest Rate   Post-modification Interest Rate   Net Charge-offs Residential mortgage $ 14,929   $ 12,143   5.52 %   4.70 %   $ 507 Home equity 1,721   858   5.22   4.39   716 Discontinued real estate 159   85   5.21   4.35   16 Total $ 16,809   $ 13,086   5.49   4.66   $ 1,239                       December 31, 2011   2011 Residential mortgage $ 11,623   $ 9,903   5.94 %   5.16 %   $ 299 Home equity 1,112   556   6.58   5.25   239 Discontinued real estate 141   88   6.68   5.08   9 Total $ 12,876   $ 10,547   6.01   5.17   $ 547 (1)  TDRs entered into during 2012 include principal forgiveness as follows: residential mortgage modifications of $755 million, home equity modifications of $9 million and discontinued real estate modifications of $23 million. Prior to 2012, the principal forgiveness amount was not significant.
Summary of Troubled Debt Restructuring Note, Debtor [Table Text Block]	The table below presents the December 31, 2012 and 2011 carrying value for home loans that were modified in TDRs during 2012 and 2011 by type of modification.                 Home Loans – Modification Programs       TDRs Entered into During 2012 (Dollars in millions) Residential Mortgage    Home Equity    Discontinued Real Estate   Total Carrying Value Modifications under government programs               Contractual interest rate reduction $ 638   $ 78   $ 4   $ 720 Principal and/or interest forbearance 49   31   2   82 Other modifications (1) 37   1   —   38 Total modifications under government programs 724   110   6   840 Modifications under proprietary programs               Contractual interest rate reduction 3,343   44   7   3,394 Capitalization of past due amounts 143   —   1   144 Principal and/or interest forbearance 415   16   9   440 Other modifications (1) 97   21   —   118 Total modifications under proprietary programs 3,998   81   17   4,096 Trial modifications 4,505   69   42   4,616 Loans discharged in Chapter 7 bankruptcy (2) 2,916   598   20   3,534 Total modifications $ 12,143   $ 858   $ 85   $ 13,086                   TDRs Entered into During 2011 Modifications under government programs               Contractual interest rate reduction $ 984   $ 189   $ 10   $ 1,183 Principal and/or interest forbearance 187   36   2   225 Other modifications (1) 64   5   —   69 Total modifications under government programs 1,235   230   12   1,477 Modifications under proprietary programs               Contractual interest rate reduction 3,508   101   23   3,632 Capitalization of past due amounts 408   1   2   411 Principal and/or interest forbearance 936   49   10   995 Other modifications (1) 439   34   2   475 Total modifications under proprietary programs 5,291   185   37   5,513 Trial modifications 3,377   141   39   3,557 Total modifications $ 9,903   $ 556   $ 88   $ 10,547 (1)  Includes other modifications such as term or payment extensions and repayment plans. (2)  Includes loans newly classified as TDRs in accordance with new regulatory guidance on loans discharged in Chapter 7 bankruptcy that was issued in 2012.
Schedule of Troubled Debt Restructurings Modified	The table below presents the carrying value of loans that entered into payment default during 2012 and 2011 and 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 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 Twelve Months       2012 (Dollars in millions)  Residential Mortgage   Home Equity    Discontinued Real Estate   Total Carrying Value Modifications under government programs $ 200   $ 8   $ 2   $ 210 Modifications under proprietary programs 933   14   9   956 Loans discharged in Chapter 7 bankruptcy (1) 1,216   53   12   1,281 Trial modifications 2,323   20   28   2,371 Total modifications $ 4,672   $ 95   $ 51   $ 4,818                   2011 Modifications under government programs $ 350   $ 2   $ 2   $ 354 Modifications under proprietary programs 2,086   42   12   2,140 Trial modifications 1,094   17   7   1,118 Total modifications $ 3,530   $ 61   $ 21   $ 3,612 (1)  Includes loans classified as TDRs at December 31, 2012 due to loans discharged in Chapter 7 bankruptcy in 2012 or 2011.
Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve [Table Text Block]	The table below provides information on the Corporation’s primary modification programs for the renegotiated TDR portfolio at December 31, 2012 and 2011.                                         Credit Card and Other Consumer – Renegotiated TDRs by Program Type                       December 31   Internal Programs   External Programs   Other   Total   Percent of Balances Current or Less Than 30 Days Past Due (Dollars in millions) 2012   2011   2012   2011   2012   2011   2012   2011   2012   2011 U.S. credit card $ 1,887   $ 3,788   $ 953   $ 1,436   $ 31   $ 81   $ 2,871   $ 5,305   81.48 %   78.97 % Non-U.S. credit card 99   218   38   113   179   266   316   597   43.71   54.02 Direct/Indirect consumer 405   784   225   392   64   22   694   1,198   83.11   80.01 Total renegotiated TDRs $ 2,391   $ 4,790   $ 1,216   $ 1,941   $ 274   $ 369   $ 3,881   $ 7,100   78.69   77.05
Impaired Financing Receivables [Table Text Block]	The table below provides information on the Corporation’s renegotiated TDR portfolio at and for the years ended December 31, 2012 and 2011.                     Impaired Loans – Credit Card and Other Consumer – Renegotiated TDRs           December 31, 2012   2012 (Dollars in millions) Unpaid Principal Balance   Carrying Value (1)   Related Allowance   Average Carrying Value   Interest Income Recognized (2) With an allowance recorded                   U.S. credit card $ 2,856   $ 2,871   $ 719   $ 4,085   $ 253 Non-U.S. credit card 311   316   198   464   10 Direct/Indirect consumer 633   636   210   929   50 Without an allowance recorded                   Direct/Indirect consumer 105   58   —   58   — Total                   U.S. credit card $ 2,856   $ 2,871   $ 719   $ 4,085   $ 253 Non-U.S. credit card 311   316   198   464   10 Direct/Indirect consumer 738   694   210   987   50                       December 31, 2011   2011 With an allowance recorded                   U.S. credit card $ 5,272   $ 5,305   $ 1,570   $ 7,211   $ 433 Non-U.S. credit card 588   597   435   759   6 Direct/Indirect consumer 1,193   1,198   405   1,582   85 (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 collectible.
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 2012 and 2011.                 Credit Card and Other Consumer – Renegotiated TDRs by Program Type       Renegotiated TDRs Entered into During 2012   December 31, 2012 (Dollars in millions) Internal Programs   External Programs   Other   Total U.S. credit card $ 248   $ 152   $ —   $ 400 Non-U.S. credit card 112   94   —   206 Direct/Indirect consumer 36   19   58   113 Total renegotiated TDR loans $ 396   $ 265   $ 58   $ 719                   Renegotiated TDRs Entered into During 2011   December 31, 2011 U.S. credit card $ 492   $ 407   $ 3   $ 902 Non-U.S. credit card 163   158   1   322 Direct/Indirect consumer 112   87   —   199 Total renegotiated TDR loans $ 767   $ 652   $ 4   $ 1,423
Renegotiated Troubled Debt Restructurings By Program Type [Table Text Block]	The table below provides information on the Corporation’s renegotiated TDR portfolio including the unpaid principal balance, carrying value and average pre- and post-modification interest rates of loans that were modified in TDRs during 2012 and 2011, 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 2012 and 2011       December 31, 2012   2012 (Dollars in millions) Unpaid Principal Balance   Carrying Value (1)   Pre-modification Interest Rate   Post-modification Interest Rate   Net Charge-offs U.S. credit card $ 396   $ 400   17.59 %   6.36 %   $ 45 Non-U.S. credit card 196   206   26.19   1.15   190 Direct/Indirect consumer 160   113   9.59   5.72   52 Total $ 752   $ 719   18.79   4.77   $ 287                       December 31, 2011   2011 U.S. credit card $ 890   $ 902   19.04 %   6.16 %   $ 106 Non-U.S. credit card 305   322   26.32   1.04   291 Direct/Indirect consumer 198   199   15.63   5.22   23 Total $ 1,393   $ 1,423   20.20   4.87   $ 420 (1)  Includes accrued interest and fees.
Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve [Table Text Block]	The table below presents the December 31, 2012 and 2011 unpaid principal balance and carrying value of commercial loans that were modified as TDRs during 2012 and 2011, and net charge-offs that were recorded during the period in which the modification occurred.             Commercial – TDRs Entered into During 2012 and 2011           December 31, 2012   2012 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Net Charge-offs U.S. commercial $ 590   $ 558   $ 34 Commercial real estate 793   721   20 Non-U.S. commercial 90   89   1 U.S. small business commercial (1) 22   22   5 Total $ 1,495   $ 1,390   $ 60               December 31, 2011   2011 U.S. commercial $ 1,381   $ 1,211   $ 74 Commercial real estate 1,604   1,333   152 Non-U.S. commercial 44   44   — U.S. small business commercial (1) 58   59   10 Total $ 3,087   $ 2,647   $ 236 (1)  U.S. small business commercial TDRs are comprised of renegotiated small business card loans.
Impaired Financing Receivables [Table Text Block]	The table below presents impaired loans in the Corporation’s Commercial loan portfolio segment at and for the years ended December 31, 2012 and 2011. 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           December 31, 2012   2012 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Related Allowance   Average Carrying Value   Interest Income Recognized (1) With no recorded allowance                   U.S. commercial $ 1,220   $ 1,109   n/a   $ 1,089   $ 32 Commercial real estate 1,003   902   n/a   1,496   16 Non-U.S. commercial 240   120   n/a   129   2 With an allowance recorded                   U.S. commercial 1,782   1,138   $ 68   1,603   32 Commercial real estate 2,287   1,262   147   1,749   16 Non-U.S. commercial 280   33   18   52   2 U.S. small business commercial (2) 361   317   97   409   13 Total                   U.S. commercial $ 3,002   $ 2,247   $ 68   $ 2,692   $ 64 Commercial real estate 3,290   2,164   147   3,245   32 Non-U.S. commercial 520   153   18   181   4 U.S. small business commercial (2) 361   317   97   409   13                       December 31, 2011   2011 With no recorded allowance                   U.S. commercial $ 1,482   $ 985   n/a   $ 774   $ 7 Commercial real estate 2,587   2,095   n/a   1,994   7 Non-U.S. commercial 216   101   n/a   101   — With an allowance recorded                   U.S. commercial 2,654   1,987   $ 232   2,422   13 Commercial real estate 3,329   2,384   135   3,309   19 Non-U.S. commercial 308   58   6   76   3 U.S. small business commercial (2) 531   503   172   666   23 Total                   U.S. commercial $ 4,136   $ 2,972   $ 232   $ 3,196   $ 20 Commercial real estate 5,916   4,479   135   5,303   26 Non-U.S. commercial 524   159   6   177   3 U.S. small business commercial (2) 531   503   172   666   23 (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. n/a = not applicable