Quarterly report pursuant to Section 13 or 15(d)

Outstanding Loans and Leases - Past Due (Details)

v2.4.0.8
Outstanding Loans and Leases - Past Due (Details) (USD $)
Sep. 30, 2014
Dec. 31, 2013
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due $ 5,886,000,000 [1] $ 7,405,000,000 [2]
60-89 Days Past Due 2,947,000,000 [1] 3,439,000,000 [2]
90 Days or More Past Due 22,017,000,000 [3] 28,263,000,000 [4]
Total Past Due 30 Days or More 30,850,000,000 39,107,000,000
Total Current or Less Than 30 Days Past Due 830,873,000,000 [5] 853,819,000,000 [6]
Carrying value gross of valuation allowance 21,409,000,000 [7] 25,265,000,000 [7]
Loans and leases, measured at fair value 8,183,000,000 10,042,000,000
Total Outstandings 891,315,000,000 928,233,000,000
Percentage outstanding, 30-59 days past due 0.66% [1] 0.80% [2]
Percentage outstanding, 60-90 days past due 0.33% [1] 0.37% [2]
Percentage outstanding, Equal to Greater than 90 days past due 2.47% [3] 3.04% [4]
Percentage outstanding, 30 days or more past due 3.46% 4.21%
Percentage outstanding, current or less than 30 days past due 93.22% [5] 91.99% [6]
Percentage outstanding, purchase credit-impaired 2.40% [7] 2.72% [7]
Percentage outstanding, loans accounted for under the fair value option 0.92% 1.08%
Percentage outstanding, total outstanding 100.00% 100.00%
Number of basis points of the original pool balance 10.00%  
Mezzanine risk protection 293,000,000 339,000,000
Receivables from synthetic securitizations for reimbursement of losses 155,000,000 198,000,000
Other consumer | Non United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 3,000,000 5,000,000
Residential Mortgage
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Residential Mortgage loans under mezzanine risk protection agreements 7,400,000,000 12,500,000,000
Federal National Mortgage Association Certificates and Obligations (FNMA) and Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) | Residential Mortgage
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Unpaid Principal Balance of Loans Covered by Protection Agreements 21,300,000,000 28,200,000,000
Pay option | Legacy Assets and Servicing Portfolio, Residential Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 3,300,000,000 4,400,000,000
Dealer Financial Services Loans | Direct/Indirect Consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 37,900,000,000 38,500,000,000
Unsecured Consumed Lending Loans | Direct/Indirect Consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 1,700,000,000 2,700,000,000
Securities Based Lending Loans | Direct/Indirect Consumer | United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 34,600,000,000 31,200,000,000
Securities Based Lending Loans | Direct/Indirect Consumer | Non United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 4,300,000,000 4,700,000,000
Student Loans | Direct/Indirect Consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 3,600,000,000 4,100,000,000
Other Loans | Direct/Indirect Consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 894,000,000 1,000,000,000
Consumer Finance Loans | Other consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 1,000,000,000 1,200,000,000
Consumer Leases | Other consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 937,000,000 606,000,000
Consumer Overdrafts | Other consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 173,000,000 176,000,000
Nonperforming Financing Receivable | Direct/Indirect Consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Current or Less Than 30 Days Past Due 28,000,000 33,000,000
Residential Portfolio Segment
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Carrying value gross of valuation allowance 21,409,000,000 25,265,000,000
Residential Portfolio Segment | Core Portfolio, Residential Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 1,935,000,000 [1] 2,151,000,000 [2]
60-89 Days Past Due 668,000,000 [1] 754,000,000 [2]
90 Days or More Past Due 5,973,000,000 [3] 7,188,000,000 [4]
Total Past Due 30 Days or More 8,576,000,000 10,093,000,000
Total Current or Less Than 30 Days Past Due 158,438,000,000 [5] 167,243,000,000 [6]
Residential Portfolio Segment | Core Portfolio, Home Equity Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 212,000,000 [1] 243,000,000 [2]
60-89 Days Past Due 110,000,000 [1] 113,000,000 [2]
90 Days or More Past Due 723,000,000 [3] 693,000,000 [4]
Total Past Due 30 Days or More 1,045,000,000 1,049,000,000
Total Current or Less Than 30 Days Past Due 51,298,000,000 [5] 53,450,000,000 [6]
Residential Portfolio Segment | Legacy Assets and Servicing Portfolio, Residential Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 2,085,000,000 [1],[8] 2,758,000,000 [2],[9]
60-89 Days Past Due 1,108,000,000 [1],[8] 1,412,000,000 [2],[9]
90 Days or More Past Due 12,210,000,000 [3],[8] 16,746,000,000 [4],[9]
Total Past Due 30 Days or More 15,403,000,000 [8] 20,916,000,000 [9]
Total Current or Less Than 30 Days Past Due 26,723,000,000 [5],[8] 31,142,000,000 [6],[9]
Carrying value gross of valuation allowance 15,588,000,000 [7],[8] 18,672,000,000 [7],[9]
Residential Portfolio Segment | Legacy Assets and Servicing Portfolio, Home Equity Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 345,000,000 [1] 444,000,000 [2]
60-89 Days Past Due 173,000,000 [1] 221,000,000 [2]
90 Days or More Past Due 1,173,000,000 [3] 1,292,000,000 [4]
Total Past Due 30 Days or More 1,691,000,000 1,957,000,000
Total Current or Less Than 30 Days Past Due 27,653,000,000 [5] 30,623,000,000 [6]
Carrying value gross of valuation allowance 5,821,000,000 [7] 6,593,000,000 [7]
Residential Portfolio Segment | Fully Insured Loans
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 2,100,000,000 2,500,000,000
60-89 Days Past Due 1,100,000,000 1,200,000,000
90 Days or More Past Due 13,000,000,000 17,000,000,000
Residential Portfolio Segment | Nonperforming Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 440,000,000 623,000,000
60-89 Days Past Due 343,000,000 410,000,000
Total Current or Less Than 30 Days Past Due 4,400,000,000 5,900,000,000
Residential Portfolio Segment | Carrying Value | Core Portfolio, Residential Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 167,014,000,000 177,336,000,000
Residential Portfolio Segment | Carrying Value | Core Portfolio, Home Equity Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 52,343,000,000 54,499,000,000
Residential Portfolio Segment | Carrying Value | Legacy Assets and Servicing Portfolio, Residential Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 57,714,000,000 [8] 70,730,000,000 [9]
Residential Portfolio Segment | Carrying Value | Legacy Assets and Servicing Portfolio, Home Equity Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 35,165,000,000 39,173,000,000
Consumer Portfolio Segment
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 5,494,000,000 [1] 6,712,000,000 [2]
60-89 Days Past Due 2,603,000,000 [1] 3,159,000,000 [2]
90 Days or More Past Due 21,364,000,000 [3] 27,533,000,000 [4]
Total Past Due 30 Days or More 29,461,000,000 37,404,000,000
Total Current or Less Than 30 Days Past Due 447,095,000,000 [5] 467,117,000,000 [6]
Carrying value gross of valuation allowance 21,409,000,000 [7] 25,265,000,000 [7]
Loans and leases, measured at fair value 2,129,000,000 [10] 2,164,000,000 [10]
Total Outstandings 500,094,000,000 531,950,000,000
Consumer Portfolio Segment | Core Portfolio, Residential Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 167,014,000,000 [11],[12] 177,336,000,000 [11],[13]
Consumer Portfolio Segment | Core Portfolio, Home Equity Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 52,343,000,000 [11],[12] 54,499,000,000 [11],[13]
Consumer Portfolio Segment | Legacy Assets and Servicing Portfolio, Residential Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 42,126,000,000 [11],[12] 52,058,000,000 [11],[13]
Consumer Portfolio Segment | Legacy Assets and Servicing Portfolio, Home Equity Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 29,344,000,000 [11],[12] 32,580,000,000 [11],[13]
Consumer Portfolio Segment | Credit Card Receivable | United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 521,000,000 [1] 598,000,000 [2]
60-89 Days Past Due 350,000,000 [1] 422,000,000 [2]
90 Days or More Past Due 831,000,000 [3] 1,053,000,000 [4]
Total Past Due 30 Days or More 1,702,000,000 2,073,000,000
Total Current or Less Than 30 Days Past Due 87,324,000,000 [5] 90,265,000,000 [6]
Total Outstandings 89,026,000,000 92,338,000,000
Consumer Portfolio Segment | Credit Card Receivable | Non United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 54,000,000 [1] 63,000,000 [2]
60-89 Days Past Due 43,000,000 [1] 54,000,000 [2]
90 Days or More Past Due 104,000,000 [3] 131,000,000 [4]
Total Past Due 30 Days or More 201,000,000 248,000,000
Total Current or Less Than 30 Days Past Due 11,232,000,000 [5] 11,293,000,000 [6]
Total Outstandings 11,433,000,000 11,541,000,000
Percentage outstanding, Equal to Greater than 90 days past due 1.00% 1.00%
Percentage outstanding, current or less than 30 days past due 98.00% 98.00%
Consumer Portfolio Segment | Direct/Indirect Consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 321,000,000 [1],[14] 431,000,000 [15],[2]
60-89 Days Past Due 145,000,000 [1],[14] 175,000,000 [15],[2]
90 Days or More Past Due 334,000,000 [14],[3] 410,000,000 [15],[4]
Total Past Due 30 Days or More 800,000,000 [14] 1,016,000,000 [15]
Total Current or Less Than 30 Days Past Due 82,318,000,000 [14],[5] 81,176,000,000 [15],[6]
Total Outstandings 83,118,000,000 82,192,000,000
Consumer Portfolio Segment | Other consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 21,000,000 [1],[16] 24,000,000 [17],[2]
60-89 Days Past Due 6,000,000 [1],[16] 8,000,000 [17],[2]
90 Days or More Past Due 16,000,000 [16],[3] 20,000,000 [17],[4]
Total Past Due 30 Days or More 43,000,000 [16] 52,000,000 [17]
Total Current or Less Than 30 Days Past Due 2,109,000,000 [16],[5] 1,925,000,000 [17],[6]
Total Outstandings 2,152,000,000 [18] 1,977,000,000 [19]
Consumer Portfolio Segment | Residential Mortgage
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Loans and leases, measured at fair value 2,000,000,000 2,000,000,000
Consumer Portfolio Segment | Home equity
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Loans and leases, measured at fair value 179,000,000 147,000,000
Consumer Portfolio Segment | Fully Insured Loans | Core Portfolio, Residential Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 58,520,000,000 [11],[12],[20] 69,712,000,000 [11],[13],[20]
Consumer Portfolio Segment | Fully Insured Loans | Legacy Assets and Servicing Portfolio, Residential Financing Receivable
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 13,446,000,000 [11],[12],[20] 17,535,000,000 [11],[13],[20]
Consumer Portfolio Segment | Carrying Value
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 497,965,000,000 529,786,000,000
Consumer Portfolio Segment | Carrying Value | Credit Card Receivable | United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 89,026,000,000 92,338,000,000
Consumer Portfolio Segment | Carrying Value | Credit Card Receivable | Non United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 11,433,000,000 11,541,000,000
Consumer Portfolio Segment | Carrying Value | Direct/Indirect Consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 83,118,000,000 [14] 82,192,000,000 [15]
Consumer Portfolio Segment | Carrying Value | Other consumer
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 2,152,000,000 [16] 1,977,000,000 [17]
Consumer Portfolio Segment | Estimate of Fair Value Measurement
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 2,129,000,000 [10] 2,164,000,000 [10]
Commercial Portfolio Segment
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 392,000,000 [1] 693,000,000 [2]
60-89 Days Past Due 344,000,000 [1] 280,000,000 [2]
90 Days or More Past Due 653,000,000 [3] 730,000,000 [4]
Total Past Due 30 Days or More 1,389,000,000 1,703,000,000
Total Current or Less Than 30 Days Past Due 383,778,000,000 [5] 386,702,000,000 [6]
Loans and leases, measured at fair value 6,054,000,000 [10] 7,878,000,000 [21]
Total Outstandings 391,221,000,000 396,283,000,000
Commercial Portfolio Segment | United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 197,000,000 [1] 363,000,000 [2]
60-89 Days Past Due 164,000,000 [1] 151,000,000 [2]
90 Days or More Past Due 300,000,000 [3] 309,000,000 [4]
Total Past Due 30 Days or More 661,000,000 823,000,000
Total Current or Less Than 30 Days Past Due 214,797,000,000 [5] 211,734,000,000 [6]
Loans and leases, measured at fair value 1,300,000,000 1,500,000,000
Total Outstandings 215,458,000,000 [22] 212,557,000,000 [23]
Commercial Portfolio Segment | Non United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 43,000,000 [1] 103,000,000 [2]
60-89 Days Past Due   8,000,000 [2]
90 Days or More Past Due 4,000,000 [3] 17,000,000 [4]
Total Past Due 30 Days or More 47,000,000 128,000,000
Total Current or Less Than 30 Days Past Due 84,603,000,000 [5] 89,334,000,000 [6]
Loans and leases, measured at fair value 4,800,000,000 6,400,000,000
Total Outstandings 84,650,000,000 [22] 89,462,000,000 [23]
Commercial Portfolio Segment | Commercial Real Estate
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 35,000,000 [1],[24] 30,000,000 [2],[25]
60-89 Days Past Due 49,000,000 [1],[24] 29,000,000 [2],[25]
90 Days or More Past Due 158,000,000 [24],[3] 243,000,000 [25],[4]
Total Past Due 30 Days or More 242,000,000 [24] 302,000,000 [25]
Total Current or Less Than 30 Days Past Due 46,781,000,000 [24],[5] 47,591,000,000 [25],[6]
Total Outstandings 47,023,000,000 [22] 47,893,000,000 [23]
Commercial Portfolio Segment | Commercial Real Estate | United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 45,100,000,000 46,300,000,000
Commercial Portfolio Segment | Commercial Real Estate | Non United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 2,000,000,000 1,600,000,000
Commercial Portfolio Segment | Commercial Lease Financing
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 51,000,000 [1] 110,000,000 [2]
60-89 Days Past Due 85,000,000 [1] 37,000,000 [2]
90 Days or More Past Due 82,000,000 [3] 48,000,000 [4]
Total Past Due 30 Days or More 218,000,000 195,000,000
Total Current or Less Than 30 Days Past Due 24,280,000,000 [5] 25,004,000,000 [6]
Total Outstandings 24,498,000,000 [22] 25,199,000,000 [23]
Commercial Portfolio Segment | Small Business Commercial
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
30-59 Days Past Due 66,000,000 [1] 87,000,000 [2]
60-89 Days Past Due 46,000,000 [1] 55,000,000 [2]
90 Days or More Past Due 109,000,000 [3] 113,000,000 [4]
Total Past Due 30 Days or More 221,000,000 255,000,000
Total Current or Less Than 30 Days Past Due 13,317,000,000 [5] 13,039,000,000 [6]
Commercial Portfolio Segment | Small Business Commercial | United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 13,538,000,000 [22],[26] 13,294,000,000 [23],[27]
Commercial Portfolio Segment | Carrying Value
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 385,167,000,000 388,405,000,000
Commercial Portfolio Segment | Carrying Value | United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 215,458,000,000 212,557,000,000
Commercial Portfolio Segment | Carrying Value | Non United States
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 84,650,000,000 89,462,000,000
Commercial Portfolio Segment | Carrying Value | Commercial Real Estate
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 47,023,000,000 [24] 47,893,000,000 [25]
Commercial Portfolio Segment | Carrying Value | Commercial Lease Financing
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 24,498,000,000 25,199,000,000
Commercial Portfolio Segment | Carrying Value | Small Business Commercial
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings 13,538,000,000 13,294,000,000
Commercial Portfolio Segment | Estimate of Fair Value Measurement
    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Outstandings $ 6,054,000,000 [10] $ 7,878,000,000 [21]
[1] Home loans 30-59 days past due includes fully-insured loans of $2.1 billion and nonperforming loans of $440 million. Home loans 60-89 days past due includes fully-insured loans of $1.1 billion and nonperforming loans of $343 million.
[2] 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.
[3] Home loans includes fully-insured loans of $13.0 billion.
[4] Home loans includes fully-insured loans of $17.0 billion.
[5] Home loans includes $4.4 billion and direct/indirect consumer includes $28 million of nonperforming loans.
[6] Home loans includes $5.9 billion and direct/indirect consumer includes $33 million of nonperforming loans.
[7] PCI loan amounts are shown gross of the valuation allowance.
[8] Total outstandings includes pay option loans of $3.3 billion. The Corporation no longer originates this product.
[9] Total outstandings includes pay option loans of $4.4 billion. The Corporation no longer originates this product.
[10] Consumer loans accounted for under the fair value option were residential mortgage loans of $2.0 billion and home equity loans of $179 million. Commercial loans accounted for under the fair value option were U.S. commercial loans of $1.3 billion and non-U.S. commercial loans of $4.8 billion. For additional information, see Note 14 – Fair Value Measurements and Note 15 – Fair Value Option
[11] Excludes PCI loans.
[12] Excludes $2.1 billion of loans accounted for under the fair value option
[13] Excludes $2.2 billion of loans accounted for under the fair value option
[14] Total outstandings includes dealer financial services loans of $37.9 billion, unsecured consumer lending loans of $1.7 billion, U.S. securities-based lending loans of $34.6 billion, non-U.S. consumer loans of $4.3 billion, student loans of $3.6 billion and other consumer loans of $894 million.
[15] Total outstandings includes dealer financial services loans of $38.5 billion, unsecured 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.
[16] Total outstandings includes consumer finance loans of $1.0 billion, consumer leases of $937 million, consumer overdrafts of $173 million and other non-U.S. consumer loans of $3 million.
[17] 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.
[18] Forty-eight percent of the other consumer portfolio is associated with portfolios from certain consumer finance businesses that the Corporation previously exited.
[19] Sixty percent of the other consumer portfolio is associated with portfolios from certain consumer finance businesses that the Corporation previously exited.
[20] Credit quality indicators are not reported for fully-insured loans as principal repayment is insured.
[21] 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
[22] Excludes $6.1 billion of loans accounted for under the fair value option.
[23] Excludes $7.9 billion of loans accounted for under the fair value option.
[24] Total outstandings includes U.S. commercial real estate loans of $45.1 billion and non-U.S. commercial real estate loans of $2.0 billion.
[25] 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.
[26] U.S. small business commercial includes $253 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 September 30, 2014, 99 percent of the balances where internal credit metrics are used was current or less than 30 days past due.
[27] 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.