Outstanding Loans and Leases (Tables)

v2.4.1.9

Outstanding Loans and Leases (Tables)	3 Months Ended
	Mar. 31, 2015
Loans and Leases Receivable Disclosure [Abstract]
Schedule of Loans and Leases Outstanding	The following tables present total outstanding loans and leases and an aging analysis for the Corporation's Consumer Real Estate, Credit Card and Other Consumer, and Commercial portfolio segments, by class of financing receivables, at March 31, 2015 and December 31, 2014.   March 31, 2015 (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 Consumer real estate (5)                 Core portfolio                 Residential mortgage $ 1,727 $ 695 $ 5,000 $ 7,422 $ 149,466     $ 156,888 Home equity 225 119 754 1,098 49,931     51,029 Legacy Assets & Servicing portfolio                 Residential mortgage (6) 1,764 919 8,697 11,380 25,472 $ 14,185   51,037 Home equity 346 174 1,169 1,689 25,499 5,354   32,542 Credit card and other consumer                 U.S. credit card 468 318 795 1,581 85,707     87,288 Non-U.S. credit card 46 34 88 168 9,492     9,660 Direct/Indirect consumer (7) 198 53 53 304 81,837     82,141 Other consumer (8) 10 2 1 13 1,829     1,842 Total consumer 4,784 2,314 16,557 23,655 429,233 19,539   472,427 Consumer loans accounted for under the fair value option (9)             $ 2,055 2,055 Total consumer loans and leases 4,784 2,314 16,557 23,655 429,233 19,539 2,055 474,482 Commercial                 U.S. commercial 272 132 269 673 224,408     225,081 Commercial real estate (10) 42 1 137 180 49,266     49,446 Commercial lease financing 240 37 14 291 24,177     24,468 Non-U.S. commercial 3 3 — 6 84,836     84,842 U.S. small business commercial 82 38 84 204 13,022     13,226 Total commercial 639 211 504 1,354 395,709     397,063 Commercial loans accounted for under the fair value option (9)             6,411 6,411 Total commercial loans and leases 639 211 504 1,354 395,709   6,411 403,474 Total loans and leases $ 5,423 $ 2,525 $ 17,061 $ 25,009 $ 824,942 $ 19,539 $ 8,466 $ 877,956 Percentage of outstandings 0.62 % 0.29 % 1.94 % 2.85 % 93.96 % 2.23 % 0.96 % 100.00 % (1)  Consumer real estate loans 30-59 days past due includes fully-insured loans of $1.8 billion and nonperforming loans of $392 million. Consumer real estate loans 60-89 days past due includes fully-insured loans of $1.0 billion and nonperforming loans of $370 million. (2)  Consumer real estate includes fully-insured loans of $9.9 billion. (3)  Consumer real estate includes $3.8 billion and direct/indirect consumer includes $27 million of nonperforming loans. (4)  PCI loan amounts are shown gross of the valuation allowance. (5)  Formerly referred to as the Home Loans portfolio segment. (6)  Total outstandings includes pay option loans of $2.9 billion. The Corporation no longer originates this product. (7)  Total outstandings includes auto and specialty lending loans of $38.9 billion, unsecured consumer lending loans of $1.3 billion, U.S. securities-based lending loans of $36.6 billion, non-U.S. consumer loans of $4.0 billion, student loans of $611 million and other consumer loans of $743 million. (8)  Total outstandings includes consumer finance loans of $646 million, consumer leases of $1.1 billion and consumer overdrafts of $120 million. (9)  Consumer loans accounted for under the fair value option were residential mortgage loans of $1.9 billion and home equity loans of $205 million. Commercial loans accounted for under the fair value option were U.S. commercial loans of $2.0 billion and non-U.S. commercial loans of $4.5 billion. For additional information, see Note 14 – Fair Value Measurements and Note 15 – Fair Value Option. (10)  Total outstandings includes U.S. commercial real estate loans of $46.7 billion and non-U.S. commercial real estate loans of $2.8 billion.   December 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 Consumer real estate (5)                 Core portfolio                 Residential mortgage $ 1,847 $ 700 $ 5,561 $ 8,108 $ 154,112     $ 162,220 Home equity 218 105 744 1,067 50,820     51,887 Legacy Assets & Servicing portfolio                 Residential mortgage (6) 2,008 1,060 10,513 13,581 25,244 $ 15,152   53,977 Home equity 374 174 1,166 1,714 26,507 5,617   33,838 Credit card and other consumer                 U.S. credit card 494 341 866 1,701 90,178     91,879 Non-U.S. credit card 49 39 95 183 10,282     10,465 Direct/Indirect consumer (7) 245 71 65 381 80,000     80,381 Other consumer (8) 11 2 2 15 1,831     1,846 Total consumer 5,246 2,492 19,012 26,750 438,974 20,769   486,493 Consumer loans accounted for under the fair value option (9)             $ 2,077 2,077 Total consumer loans and leases 5,246 2,492 19,012 26,750 438,974 20,769 2,077 488,570 Commercial                 U.S. commercial 320 151 318 789 219,504     220,293 Commercial real estate (10) 138 16 288 442 47,240     47,682 Commercial lease financing 121 41 42 204 24,662     24,866 Non-U.S. commercial 5 4 — 9 80,074     80,083 U.S. small business commercial 88 45 94 227 13,066     13,293 Total commercial 672 257 742 1,671 384,546     386,217 Commercial loans accounted for under the fair value option (9)             6,604 6,604 Total commercial loans and leases 672 257 742 1,671 384,546   6,604 392,821 Total loans and leases $ 5,918 $ 2,749 $ 19,754 $ 28,421 $ 823,520 $ 20,769 $ 8,681 $ 881,391 Percentage of outstandings 0.67 % 0.31 % 2.24 % 3.22 % 93.44 % 2.36 % 0.98 % 100.00 % (1)  Consumer real estate loans 30-59 days past due includes fully-insured loans of $2.1 billion and nonperforming loans of $392 million. Consumer real estate loans 60-89 days past due includes fully-insured loans of $1.1 billion and nonperforming loans of $332 million. (2)  Consumer real estate includes fully-insured loans of $11.4 billion. (3)  Consumer real estate includes $3.6 billion and direct/indirect consumer includes $27 million of nonperforming loans. (4)  PCI loan amounts are shown gross of the valuation allowance. (5)  Formerly referred to as the Home Loans portfolio segment. (6)  Total outstandings includes pay option loans of $3.2 billion. The Corporation no longer originates this product. (7)  Total outstandings includes auto and specialty lending loans of $37.7 billion, unsecured consumer lending loans of $1.5 billion, U.S. securities-based lending loans of $35.8 billion, non-U.S. consumer loans of $4.0 billion, student loans of $632 million and other consumer loans of $761 million. (8)  Total outstandings includes consumer finance loans of $676 million, consumer leases of $1.0 billion and consumer overdrafts of $162 million. (9)  Consumer loans accounted for under the fair value option were residential mortgage loans of $1.9 billion and home equity loans of $196 million. Commercial loans accounted for under the fair value option were U.S. commercial loans of $1.9 billion and non-U.S. commercial loans of $4.7 billion. For additional information, see Note 14 – Fair Value Measurements and Note 15 – Fair Value Option. (10)  Total outstandings includes U.S. commercial real estate loans of $45.2 billion and non-U.S. commercial real estate loans of $2.5 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, 2015 and December 31, 2014. 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 2014 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 2015   December 31 2014   March 31 2015   December 31 2014 Consumer real estate               Core portfolio               Residential mortgage (2) $ 2,278   $ 2,398   $ 3,573   $ 3,942 Home equity 1,473   1,496   —   — Legacy Assets & Servicing portfolio               Residential mortgage (2) 4,143   4,491   6,339   7,465 Home equity 2,286   2,405   —   — Credit card and other consumer               U.S. credit card n/a   n/a   795   866 Non-U.S. credit card n/a   n/a   88   95 Direct/Indirect consumer 28   28   51   64 Other consumer 1   1   1   1 Total consumer 10,209   10,819   10,847   12,433 Commercial               U.S. commercial 680   701   22   110 Commercial real estate 132   321   25   3 Commercial lease financing 16   3   9   41 Non-U.S. commercial 79   1   —   — U.S. small business commercial 89   87   65   67 Total commercial 996   1,113   121   221 Total loans and leases $ 11,205   $ 11,932   $ 10,968   $ 12,654 (1)  Nonperforming loan balances do not include nonaccruing TDRs removed from the PCI loan portfolio prior to January 1, 2010 of $86 million and $102 million at March 31, 2015 and December 31, 2014. (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, 2015 and December 31, 2014, residential mortgage includes $6.2 billion and $7.3 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 $3.7 billion and $4.1 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 Consumer Real Estate, Credit Card and Other Consumer, and Commercial portfolio segments, by class of financing receivables, at March 31, 2015 and December 31, 2014. Consumer Real Estate – Credit Quality Indicators (1)               March 31, 2015 (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 $ 101,243 $ 17,772 $ 9,050 $ 44,705 $ 16,671 $ 1,868 Greater than 90 percent but less than or equal to 100 percent 5,004 2,938 1,925 2,347 3,124 960 Greater than 100 percent 4,177 5,095 3,210 3,977 7,393 2,526 Fully-insured loans (5) 46,464 11,047 — — — — Total consumer real estate $ 156,888 $ 36,852 $ 14,185 $ 51,029 $ 27,188 $ 5,354               Refreshed FICO score             Less than 620 $ 4,122 $ 5,988 $ 5,350 $ 2,158 $ 3,352 $ 812 Greater than or equal to 620 and less than 680 6,142 3,906 2,905 3,613 4,434 953 Greater than or equal to 680 and less than 740 22,002 6,231 3,288 10,067 7,614 1,578 Greater than or equal to 740 78,158 9,680 2,642 35,191 11,788 2,011 Fully-insured loans (5) 46,464 11,047 — — — — Total consumer real estate $ 156,888 $ 36,852 $ 14,185 $ 51,029 $ 27,188 $ 5,354 (1)  Excludes $2.1 billion of loans accounted for under the fair value option. (2)  Excludes PCI loans. (3)  Includes $2.5 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, 2015 (Dollars in millions) U.S. Credit Card   Non-U.S. Credit Card   Direct/Indirect Consumer   Other Consumer (1) Refreshed FICO score               Less than 620 $ 4,347   $ —   $ 1,355   $ 255 Greater than or equal to 620 and less than 680 12,325   —   1,878   222 Greater than or equal to 680 and less than 740 33,958   —   10,821   310 Greater than or equal to 740 36,658   —   26,161   932 Other internal credit metrics (2, 3, 4) —   9,660   41,926   123 Total credit card and other consumer $ 87,288   $ 9,660   $ 82,141   $ 1,842 (1)  Thirty-five 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 $40.5 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $611 million 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, 2015, 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, 2015 (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 $ 217,773   $ 48,616   $ 23,401   $ 83,976   $ 675 Reservable criticized 7,308   830   1,067   866   155 Refreshed FICO score (3)                   Less than 620                 188 Greater than or equal to 620 and less than 680                 537 Greater than or equal to 680 and less than 740                 1,621 Greater than or equal to 740                 2,981 Other internal credit metrics (3, 4)                 7,069 Total commercial $ 225,081   $ 49,446   $ 24,468   $ 84,842   $ 13,226 (1)  Excludes $6.4 billion of loans accounted for under the fair value option. (2)  U.S. small business commercial includes $720 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, 2015, 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. Consumer Real Estate – Credit Quality Indicators (1)               December 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 $ 100,255 $ 18,499 $ 9,972 $ 45,414 $ 17,453 $ 2,046 Greater than 90 percent but less than or equal to 100 percent 4,958 3,081 2,005 2,442 3,272 1,048 Greater than 100 percent 4,017 5,265 3,175 4,031 7,496 2,523 Fully-insured loans (5) 52,990 11,980 — — — — Total consumer real estate $ 162,220 $ 38,825 $ 15,152 $ 51,887 $ 28,221 $ 5,617               Refreshed FICO score             Less than 620 $ 4,184 $ 6,313 $ 6,109 $ 2,169 $ 3,470 $ 864 Greater than or equal to 620 and less than 680 6,272 4,032 3,014 3,683 4,529 995 Greater than or equal to 680 and less than 740 21,946 6,463 3,310 10,231 7,905 1,651 Greater than or equal to 740 76,828 10,037 2,719 35,804 12,317 2,107 Fully-insured loans (5) 52,990 11,980 — — — — Total consumer real estate $ 162,220 $ 38,825 $ 15,152 $ 51,887 $ 28,221 $ 5,617 (1)  Excludes $2.1 billion of loans accounted for under the fair value option. (2)  Excludes PCI loans. (3)  Includes $2.8 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, 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 $ 4,467   $ —   $ 1,296   $ 266 Greater than or equal to 620 and less than 680 12,177   —   1,892   227 Greater than or equal to 680 and less than 740 34,986   —   10,749   307 Greater than or equal to 740 40,249   —   25,279   881 Other internal credit metrics (2, 3, 4) —   10,465   41,165   165 Total credit card and other consumer $ 91,879   $ 10,465   $ 80,381   $ 1,846 (1)  Thirty-seven 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 $39.7 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $632 million 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, 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)   December 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 $ 213,839   $ 46,632   $ 23,832   $ 79,367   $ 751 Reservable criticized 6,454   1,050   1,034   716   182 Refreshed FICO score (3)                   Less than 620                 184 Greater than or equal to 620 and less than 680                 529 Greater than or equal to 680 and less than 740                 1,591 Greater than or equal to 740                 2,910 Other internal credit metrics (3, 4)                 7,146 Total commercial $ 220,293   $ 47,682   $ 24,866   $ 80,083   $ 13,293 (1)  Excludes $6.6 billion of loans accounted for under the fair value option. (2)  U.S. small business commercial includes $762 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, 2014, 98 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.
Financing Receivable, Modifications [Line Items]
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 2014 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 2014 were due to lower expected loss rates and a decrease in forecasted prepayment speeds. The reclassifications to nonaccretable difference in the three months ended March 31, 2015 were due to an increase in forecasted prepayment speeds as a result of lower 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, 2014 $ 6,694 Accretion (1,061 ) Disposals/transfers (506 ) Reclassifications from nonaccretable difference 481 Accretable yield, December 31, 2014 5,608 Accretion (233 ) Disposals/transfers (136 ) Reclassifications to nonaccretable difference (72 ) Accretable yield, March 31, 2015 $ 5,167
Consumer Real Estate
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivables	The table below provides the unpaid principal balance, carrying value and related allowance at March 31, 2015 and December 31, 2014, and the average carrying value and interest income recognized for the three months ended March 31, 2015 and 2014 for impaired loans in the Corporation's Consumer Real Estate portfolio segment and includes primarily loans managed by LAS. Certain impaired consumer real estate 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 – Consumer Real Estate                                                 Three Months Ended March 31       March 31, 2015   2015   2014 (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     $ 18,524   $ 14,662   $ —   $ 15,393   $ 108   $ 16,360   $ 160 Home equity     3,636   1,705   —   1,692   25   1,401   22 With an allowance recorded                               Residential mortgage     $ 8,058   $ 7,892   $ 537   $ 7,586   $ 64   $ 12,332   $ 131 Home equity     861   732   190   714   7   751   8 Total                               Residential mortgage     $ 26,582   $ 22,554   $ 537   $ 22,979   $ 172   $ 28,692   $ 291 Home equity     4,497   2,437   190   2,406   32   2,152   30                                       December 31, 2014                 With no recorded allowance                               Residential mortgage     $ 19,710   $ 15,605   $ —                 Home equity     3,540   1,630   —                 With an allowance recorded                               Residential mortgage     $ 7,861   $ 7,665   $ 531                 Home equity     852   728   196                 Total                               Residential mortgage     $ 27,571   $ 23,270   $ 531                 Home equity     4,392   2,358   196                 (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.
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings on Financing Receivables	The table below presents the March 31, 2015 and 2014 carrying value for consumer real estate loans that were modified in a TDR during the three months ended March 31, 2015 and 2014 by type of modification. Consumer Real Estate – Modification Programs   TDRs Entered into During the Three Months Ended March 31, 2015 (Dollars in millions) Residential Mortgage   Home Equity   Total Carrying Value Modifications under government programs           Contractual interest rate reduction $ 76   $ 11   $ 87 Principal and/or interest forbearance —   3   3 Other modifications (1) 15   —   15 Total modifications under government programs 91   14   105 Modifications under proprietary programs           Contractual interest rate reduction 50   2   52 Capitalization of past due amounts 30   2   32 Principal and/or interest forbearance 11   2   13 Other modifications (1) 7   25   32 Total modifications under proprietary programs 98   31   129 Trial modifications 1,340   96   1,436 Loans discharged in Chapter 7 bankruptcy (2) 111   43   154 Total modifications $ 1,640   $ 184   $ 1,824               TDRs Entered into During the Three Months Ended March 31, 2014 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 (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. The table below presents the carrying value of consumer real estate loans that entered into payment default during the three months ended March 31, 2015 and 2014 that were modified in a TDR during the 12 months preceding payment default. A payment default for consumer real estate TDRs is recognized when a borrower has missed three monthly payments (not necessarily consecutively) since modification. Payment defaults 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. Consumer Real Estate – TDRs Entering Payment Default That Were Modified During the Preceding 12 Months   Three Months Ended March 31, 2015 (Dollars in millions)  Residential Mortgage   Home Equity   Total Carrying Value Modifications under government programs $ 107   $ 1   $ 108 Modifications under proprietary programs 40   12   52 Loans discharged in Chapter 7 bankruptcy (1) 71   10   81 Trial modifications (2) 1,768   24   1,792 Total modifications $ 1,986   $ 47   $ 2,033               Three Months Ended March 31, 2014 Modifications under government programs $ 158   $ 1   $ 159 Modifications under proprietary programs 272   —   272 Loans discharged in Chapter 7 bankruptcy (1) 121   1   122 Trial modifications 775   3   778 Total modifications $ 1,326   $ 5   $ 1,331 (1)  Includes loans discharged in Chapter 7 bankruptcy with no change in repayment terms that are classified as TDRs. (2)  Includes $1.4 billion of trial modification offers made in connection with the August 2014 Department of Justice settlement to which the customer has not responded. The table below presents the March 31, 2015 and 2014 unpaid principal balance, carrying value, and average pre- and post-modification interest rates on consumer real estate loans that were modified in TDRs during the three months ended March 31, 2015 and 2014, and net charge-offs recorded during the period in which the modification occurred. The following Consumer Real Estate 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 primarily managed by LAS. Consumer Real Estate – TDRs Entered into During the Three Months Ended March 31, 2015 and 2014 (1)   March 31, 2015   Three Months Ended March 31, 2015 (Dollars in millions) Unpaid Principal Balance   Carrying  Value   Pre-Modification Interest Rate   Post-Modification Interest Rate (2)   Net Charge-offs (3) Residential mortgage $ 1,879   $ 1,640   5.04 %   4.91 %   $ 17 Home equity 258   184   4.08   3.55   11 Total $ 2,137   $ 1,824   4.93   4.74   $ 28                       March 31, 2014   Three Months Ended March 31, 2014 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 (1)  TDRs entered into during the three months ended March 31, 2015 include modifications with principal forgiveness of $159 million related to residential mortgage and $1 million related to home equity. TDRs entered into during the three months ended March 31, 2014 include modifications with principal forgiveness of $17 million related to residential mortgage and $0 related to home equity. (2)  The post-modification interest rate reflects the interest rate applicable only to permanently completed modifications, which exclude loans that are in a trial modification period. (3)  Net charge-offs include amounts recorded on loans modified during the period that are no longer held by the Corporation at March 31, 2015 and 2014 due to sales and other dispositions.
Credit card and other consumer
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivables	The table below provides the unpaid principal balance, carrying value and related allowance at March 31, 2015 and December 31, 2014, and the average carrying value and interest income recognized for the three months ended March 31, 2015 and 2014 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, 2015   2015   2014 (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         $ 58   $ 25   $ —   $ 25   $ —   $ 30   $ — Other consumer         —   —   —   —   —   34   1 With an allowance recorded                                   U.S. credit card         $ 761   $ 779   $ 198   $ 847   $ 13   $ 1,407   $ 22 Non-U.S. credit card         128   152   99   159   1   236   2 Direct/Indirect consumer         57   64   17   82   1   259   3 Other consumer         —   —   —   —   —   25   — Total                                   U.S. credit card         $ 761   $ 779   $ 198   $ 847   $ 13   $ 1,407   $ 22 Non-U.S. credit card         128   152   99   159   1   236   2 Direct/Indirect consumer         115   89   17   107   1   289   3 Other consumer         —   —   —   —   —   59   1                                               December 31, 2014                 With no recorded allowance                                   Direct/Indirect consumer         $ 59   $ 25   $ —                 With an allowance recorded                                   U.S. credit card         $ 804   $ 856   $ 207                 Non-U.S. credit card         132   168   108                 Direct/Indirect consumer         76   92   24                 Total                                   U.S. credit card         $ 804   $ 856   $ 207                 Non-U.S. credit card         132   168   108                 Direct/Indirect consumer         135   117   24                 (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.
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings on Financing Receivables	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, 2015 and 2014. Credit Card and Other Consumer – Renegotiated TDRs Entered into During the Period by Program Type   Three Months Ended March 31, 2015 (Dollars in millions) Internal Programs   External Programs   Other (1)   Total U.S. credit card $ 51   $ 25   $ —   $ 76 Non-U.S. credit card 1   2   43   46 Direct/Indirect consumer —   —   5   5 Total renegotiated TDRs $ 52   $ 27   $ 48   $ 127                   Three Months Ended March 31, 2014 U.S. credit card $ 70   $ 30   $ —   $ 100 Non-U.S. credit card 3   3   62   68 Direct/Indirect consumer 3   1   5   9 Other consumer 2   —   —   2 Total renegotiated TDRs $ 78   $ 34   $ 67   $ 179 (1) Other TDRs for non-U.S. credit card include modifications of accounts that are ineligible for a fixed payment plan. The table below provides information on the Corporation's renegotiated TDR portfolio including the March 31, 2015 and 2014 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, 2015 and 2014, and net charge-offs 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, 2015 and 2014   March 31, 2015   Three Months Ended March 31, 2015 (Dollars in millions) Unpaid Principal Balance   Carrying Value (1)   Pre-Modification Interest Rate   Post-Modification Interest Rate   Net Charge-offs U.S. credit card $ 69   $ 76   17.07 %   5.09 %   $ 2 Non-U.S. credit card 39   46   24.11   0.29   2 Direct/Indirect consumer 8   5   6.68   5.74   3 Total $ 116   $ 127   19.18   3.38   $ 7                       March 31, 2014   Three Months Ended March 31, 2014 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 (1)  Includes accrued interest and fees. The table below provides information on the Corporation's primary modification programs for the renegotiated TDR portfolio at March 31, 2015 and December 31, 2014. Credit Card and Other Consumer – Renegotiated TDRs by Program Type   Internal Programs   External Programs   Other (1)   Total   Percent of Balances Current or Less Than 30 Days Past Due (Dollars in millions) March 31 2015 December 31 2014   March 31 2015 December 31 2014   March 31 2015 December 31 2014   March 31 2015 December 31 2014   March 31 2015 December 31 2014 U.S. credit card $ 412 $ 450   $ 364 $ 397   $ 3 $ 9   $ 779 $ 856   85.86 % 84.99 % Non-U.S. credit card 33 41   14 16   105 111   152 168   47.71 47.56 Direct/Indirect consumer 35 50   24 34   30 33   89 117   86.05 85.21 Total renegotiated TDRs $ 480 $ 541   $ 402 $ 447   $ 138 $ 153   $ 1,020 $ 1,141   80.19 79.51 (1) Other TDRs for non-U.S. credit card include modifications of accounts that are ineligible for a fixed payment plan.
Commercial
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivables	The table below provides the unpaid principal balance, carrying value and related allowance at March 31, 2015 and December 31, 2014, and the average carrying value and interest income recognized for the three months ended March 31, 2015 and 2014 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, 2015   2015   2014 (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         $ 626   $ 605   $ —   $ 628   $ 3   $ 519   $ 2 Commercial real estate         110   93   —   71   1   220   1 Non-U.S. commercial         8   8   —   4   —   10   — With an allowance recorded                                   U.S. commercial         $ 1,061   $ 827   $ 76   $ 818   $ 13   $ 1,306   $ 15 Commercial real estate         425   230   26   332   3   702   7 Non-U.S. commercial         123   114   18   66   1   71   1 U.S. small business commercial (2)         105   118   35   121   —   170   1 Total                                   U.S. commercial         $ 1,687   $ 1,432   $ 76   $ 1,446   $ 16   $ 1,825   $ 17 Commercial real estate         535   323   26   403   4   922   8 Non-U.S. commercial         131   122   18   70   1   81   1 U.S. small business commercial (2)         105   118   35   121   —   170   1                                               December 31, 2014                 With no recorded allowance                                   U.S. commercial         $ 668   $ 650   $ —                 Commercial real estate         60   48   —                 With an allowance recorded                                   U.S. commercial         $ 1,139   $ 839   $ 75                 Commercial real estate         678   495   48                 Non-U.S. commercial         47   44   1                 U.S. small business commercial (2)         133   122   35                 Total                                   U.S. commercial         $ 1,807   $ 1,489   $ 75                 Commercial real estate         738   543   48                 Non-U.S. commercial         47   44   1                 U.S. small business commercial (2)         133   122   35                 (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.
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings on Financing Receivables	The table below presents the March 31, 2015 and 2014 unpaid principal balance and carrying value of commercial loans that were modified as TDRs during the three months ended March 31, 2015 and 2014, 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, 2015 and 2014   March 31, 2015   Three Months Ended March 31, 2015 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Net Charge-offs U.S. commercial $ 346   $ 327   $ 3 Commercial real estate 34   33   — Non-U.S. commercial 8   8   — U.S. small business commercial (1) 2   2   — Total $ 390   $ 370   $ 3               March 31, 2014   Three Months Ended March 31, 2014 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 (1)  U.S. small business commercial TDRs are comprised of renegotiated small business card loans.