Outstanding Loans and Leases (Tables)

v2.4.0.8

Outstanding Loans and Leases (Tables)	6 Months Ended
	Jun. 30, 2013
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Loans And Leases Outstanding	The following tables present total outstanding loans and leases and an aging analysis for the Corporation's Home Loans, Credit Card and Other Consumer, and Commercial portfolio segments, by class of financing receivables, at June 30, 2013 and December 31, 2012.   June 30, 2013 (Dollars in millions) 30-59 Days Past Due (1) 60-89 Days Past Due (1) 90 Days or More Past Due (2) Total Past Due 30 Days or More Total Current or Less Than 30 Days Past Due (3) Purchased Credit - impaired (4) Loans Accounted for Under the Fair Value Option Total Outstandings Home loans                 Core portfolio                 Residential mortgage (5) $ 2,133 $ 658 $ 7,404 $ 10,195 $ 162,062     $ 172,257 Home equity 238 122 619 979 56,428     57,407 Legacy Assets & Servicing portfolio                 Residential mortgage (6) 2,974 1,408 22,410 26,792 33,686 $ 21,224   81,702 Home equity 454 254 1,292 2,000 33,173 7,431   42,604 Credit card and other consumer                 U.S. credit card 603 430 1,167 2,200 88,323     90,523 Non-U.S. credit card 70 59 158 287 10,053     10,340 Direct/Indirect consumer (7) 417 191 488 1,096 82,262     83,358 Other consumer (8) 44 18 2 64 1,739     1,803 Total consumer loans 6,933 3,140 33,540 43,613 467,726 28,655   539,994 Consumer loans accounted for under the fair value option (9)             $ 1,052 1,052 Total consumer 6,933 3,140 33,540 43,613 467,726 28,655 1,052 541,046 Commercial                 U.S. commercial 248 176 463 887 206,056     206,943 Commercial real estate (10) 108 90 511 709 41,417     42,126 Commercial lease financing 92 114 28 234 23,678     23,912 Non-U.S. commercial 16 — — 16 86,694     86,710 U.S. small business commercial 91 61 152 304 12,120     12,424 Total commercial loans 555 441 1,154 2,150 369,965     372,115 Commercial loans accounted for under the fair value option (9)             8,409 8,409 Total commercial 555 441 1,154 2,150 369,965   8,409 380,524 Total loans and leases $ 7,488 $ 3,581 $ 34,694 $ 45,763 $ 837,691 $ 28,655 $ 9,461 $ 921,570 Percentage of outstandings 0.81 % 0.39 % 3.76 % 4.96 % 90.90 % 3.11 % 1.03 %   (1)  Home loans 30-59 days past due includes fully-insured loans of $2.5 billion and nonperforming loans of $761 million. Home loans 60-89 days past due includes fully-insured loans of $1.0 billion and nonperforming loans of $516 million. (2)  Home loans includes fully-insured loans of $20.6 billion. (3)  Home loans includes $6.3 billion and direct/indirect consumer includes $46 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 $83 million. (6)  Total outstandings includes pay option loans of $5.8 billion. The Corporation no longer originates this product. (7)  Total outstandings includes dealer financial services loans of $36.8 billion, consumer lending loans of $3.6 billion, U.S. securities-based lending loans of $30.0 billion, non-U.S. consumer loans of $7.5 billion, student loans of $4.4 billion and other consumer loans of $1.1 billion. (8)  Total outstandings includes consumer finance loans of $1.3 billion, consumer leases of $351 million, other non-U.S. consumer loans of $5 million and consumer overdrafts of $149 million. (9)  Consumer loans accounted for under the fair value option were residential mortgage loans of $1.1 billion. 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 $6.4 billion. For addition information, see Note 16 – Fair Value Measurements and Note 17 – Fair Value Option. (10)  Total outstandings includes U.S. commercial real estate loans of $40.3 billion and non-U.S. commercial real estate loans of $1.8 billion.   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 (6) 2,938 1,714 26,728 31,380 33,982 $ 17,451   82,813 Home equity 608 357 1,444 2,409 36,213 8,667   47,289 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 fully-insured loans of $2.3 billion and nonperforming loans of $702 million. Home loans 60-89 days past due includes fully-insured loans of $1.3 billion and nonperforming loans of $558 million. (2)  Home loans includes fully-insured loans of $22.2 billion. (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 pay option loans of $6.7 billion. The Corporation no longer originates this product. (7)  Total outstandings includes dealer financial services loans of $35.9 billion, consumer lending loans of $4.7 billion, U.S. securities-based lending loans of $28.3 billion, non-U.S. consumer loans of $8.3 billion, student loans of $4.8 billion and other consumer loans of $1.2 billion. (8)  Total outstandings includes consumer finance loans of $1.4 billion, consumer leases of $34 million, 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 $1.0 billion. 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 16 – Fair Value Measurements and Note 17 – 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.
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 June 30, 2013 and December 31, 2012. 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. See Note 1 – Summary of Significant Accounting Principles to the Consolidated Financial Statements of the Corporation's 2012 Annual Report on Form 10-K for further information on the criteria for classification as nonperforming. Credit Quality                 Nonperforming Loans and Leases (1)   Accruing Past Due 90 Days or More (Dollars in millions) June 30 2013   December 31 2012   June 30 2013   December 31 2012 Home loans               Core portfolio               Residential mortgage (2) $ 3,404   $ 3,193   $ 5,273   $ 3,984 Home equity 1,355   1,265   —   — Legacy Assets & Servicing portfolio               Residential mortgage (2) 10,912   11,862   15,331   18,173 Home equity 2,796   3,017   —   — Credit card and other consumer               U.S. credit card n/a   n/a   1,167   1,437 Non-U.S. credit card n/a   n/a   158   212 Direct/Indirect consumer 72   92   462   545 Other consumer 1   2   2   2 Total consumer 18,540   19,431   22,393   24,353 Commercial               U.S. commercial 1,279   1,484   50   65 Commercial real estate 627   1,513   25   29 Commercial lease financing 10   44   22   15 Non-U.S. commercial 80   68   1   — U.S. small business commercial 107   115   100   120 Total commercial 2,103   3,224   198   229 Total loans and leases $ 20,643   $ 22,655   $ 22,591   $ 24,582 (1)  Nonperforming loan balances do not include nonaccruing TDRs removed from the PCI loan portfolio prior to January 1, 2010 of $485 million and $521 million at June 30, 2013 and December 31, 2012. (2)  Residential mortgage loans in the Core and Legacy Assets & Servicing portfolios accruing past due 90 days or more are fully-insured loans. At June 30, 2013 and December 31, 2012, residential mortgage included $16.0 billion and $17.8 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 $4.6 billion and $4.4 billion of loans on which interest is still accruing. n/a = not applicable
Financing Receivable Credit Quality Indicators	The following tables present certain credit quality indicators for the Corporation's Home Loans, Credit Card and Other Consumer, and Commercial portfolio segments, by class of financing receivables, at June 30, 2013 and December 31, 2012. Home Loans – Credit Quality Indicators (1)               June 30, 2013 (Dollars in millions) Core Portfolio Residential Mortgage (2) Legacy Assets & Servicing Residential Mortgage (2) Residential Mortgage PCI (3) Core Portfolio Home Equity (2) Legacy Assets & Servicing Home Equity (2) Home Equity PCI Refreshed LTV (4)             Less than or equal to 90 percent $ 87,720 $ 22,436 $ 11,690 $ 44,322 $ 15,605 $ 2,029 Greater than 90 percent but less than or equal to 100 percent 7,965 4,739 3,143 5,162 4,349 728 Greater than 100 percent 8,321 12,293 6,391 7,923 15,219 4,674 Fully-insured loans (5) 68,251 21,010 — — — — Total home loans $ 172,257 $ 60,478 $ 21,224 $ 57,407 $ 35,173 $ 7,431               Refreshed FICO score             Less than 620 $ 6,037 $ 12,752 $ 11,796 $ 2,432 $ 4,640 $ 1,354 Greater than or equal to 620 and less than 680 8,186 6,302 3,450 4,316 5,453 1,318 Greater than or equal to 680 and less than 740 24,662 8,388 3,105 12,050 9,717 2,121 Greater than or equal to 740 65,121 12,026 2,873 38,609 15,363 2,638 Fully-insured loans (5) 68,251 21,010 — — — — Total home loans $ 172,257 $ 60,478 $ 21,224 $ 57,407 $ 35,173 $ 7,431 (1)  Excludes loans accounted for under the fair value option of $1.1 billion. (2)  Excludes PCI loans. (3)  Includes $5.3 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   June 30, 2013 (Dollars in millions) U.S. Credit Card   Non-U.S. Credit Card   Direct/Indirect Consumer   Other Consumer (1) Refreshed FICO score               Less than 620 $ 5,159   $ —   $ 1,437   $ 604 Greater than or equal to 620 and less than 680 13,103   —   3,138   283 Greater than or equal to 680 and less than 740 35,932   —   9,601   214 Greater than or equal to 740 36,329   —   25,602   197 Other internal credit metrics (2, 3, 4) —   10,340   43,580   505 Total credit card and other consumer $ 90,523   $ 10,340   $ 83,358   $ 1,803 (1)  72 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 $37.4 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $4.4 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 June 30, 2013, 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)   June 30, 2013 (Dollars in millions) U.S. Commercial   Commercial Real Estate   Commercial Lease Financing   Non-U.S. Commercial   U.S. Small Business Commercial (2) Risk ratings                   Pass rated $ 199,336   $ 39,875   $ 22,780   $ 85,017   $ 1,399 Reservable criticized 7,607   2,251   1,132   1,693   474 Refreshed FICO score (3)                   Less than 620                 243 Greater than or equal to 620 and less than 680                 542 Greater than or equal to 680 and less than 740                 1,572 Greater than or equal to 740                 2,762 Other internal credit metrics (3, 4)                 5,432 Total commercial $ 206,943   $ 42,126   $ 23,912   $ 86,710   $ 12,424 (1)  Excludes loans accounted for under the fair value option of $8.4 billion. (2)  U.S. small business commercial includes $311 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 June 30, 2013, 99 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, 2012 (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 $ 80,585 $ 20,613 $ 8,581 $ 44,971 $ 15,922 $ 2,074 Greater than 90 percent but less than or equal to 100 percent 8,891 5,097 2,368 5,825 4,507 805 Greater than 100 percent 12,984 16,454 6,502 10,055 18,193 5,788 Fully-insured loans (5) 67,656 23,198 — — — — Total home loans $ 170,116 $ 65,362 $ 17,451 $ 60,851 $ 38,622 $ 8,667               Refreshed FICO score             Less than 620 $ 6,366 $ 14,320 $ 8,647 $ 2,586 $ 5,411 $ 1,989 Greater than or equal to 620 and less than 680 8,561 6,157 2,712 4,500 5,921 1,529 Greater than or equal to 680 and less than 740 25,141 8,611 2,976 12,625 10,395 2,299 Greater than or equal to 740 62,392 13,076 3,116 41,140 16,895 2,850 Fully-insured loans (5) 67,656 23,198 — — — — Total home loans $ 170,116 $ 65,362 $ 17,451 $ 60,851 $ 38,622 $ 8,667 (1)  Excludes loans accounted for under the fair value option of $1.0 billion. (2)  Excludes PCI loans. (3)  Includes $6.1 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, 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 loans accounted for under the fair value option of $8.0 billion. (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. Impaired Loans and Troubled Debt Restructurings
Impaired Financing Receivables	The table below presents impaired loans in the Corporation's Home Loans portfolio segment at June 30, 2013 and December 31, 2012, and for the three and six months ended June 30, 2013 and 2012, 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           June 30, 2013   December 31, 2012 (Dollars in millions)         Unpaid Principal Balance   Carrying Value   Related Allowance   Unpaid Principal Balance   Carrying Value   Related Allowance With no recorded allowance                               Residential mortgage         $ 22,352   $ 16,803   n/a   $ 20,226   $ 14,967   n/a Home equity         2,958   1,244   n/a   2,624   1,103   n/a With an allowance recorded                               Residential mortgage         $ 15,697   $ 14,829   $ 1,367   $ 14,223   $ 13,158   $ 1,252 Home equity         1,107   917   352   1,256   1,022   448 Total                               Residential mortgage         $ 38,049   $ 31,632   $ 1,367   $ 34,449   $ 28,125   $ 1,252 Home equity         4,065   2,161   352   3,880   2,125   448                                   Three Months Ended June 30   Six Months Ended June 30   2013   2012   2013   2012   Average Carrying Value   Interest Income Recognized (1)   Average Carrying Value   Interest Income Recognized (1)   Average Carrying Value   Interest Income Recognized (1)   Average Carrying Value   Interest Income Recognized (1) With no recorded allowance                               Residential mortgage $ 16,812   $ 140   $ 8,893   $ 76   $ 16,353   $ 284   $ 8,798   $ 151 Home equity 1,204   19   485   10   1,169   36   496   19 With an allowance recorded                               Residential mortgage $ 14,735   $ 124   $ 11,474   $ 108   $ 14,317   $ 278   $ 11,324   $ 208 Home equity 936   11   1,205   13   962   22   1,230   22 Total                               Residential mortgage $ 31,547   $ 264   $ 20,367   $ 184   $ 30,670   $ 562   $ 20,122   $ 359 Home equity 2,140   30   1,690   23   2,131   58   1,726   41 (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
Purchased Loans at Acquisition Date	PCI loans are acquired loans with evidence of credit quality deterioration since origination for which it is probable at purchase date that the Corporation will be unable to collect all contractually required payments. The table below provides details on PCI loans acquired during the six months ended June 30, 2013. Purchased Loans at Acquisition Date (Dollars in millions)   Contractually required payments including interest $ 8,274 Less: Nonaccretable difference 2,159 Cash flows expected to be collected (1) 6,115 Less: Accretable yield 1,125 Fair value of loans acquired $ 4,990 (1)  Represents undiscounted expected principal and interest cash flows at acquisition.
Accretable Yield Activity	The table below shows activity for the accretable yield on PCI loans, which primarily includes the Countrywide Financial Corporation (Countrywide) portfolio and loans repurchased in connection with the FNMA Settlement. For more information on the FNMA Settlement, see Note 8 – Representations and Warranties Obligations and Corporate Guarantees. The amount of accretable yield is affected by changes in credit outlooks, including metrics such as default rates and loss severities, prepayments 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 the three and six months ended June 30, 2013 were due to increases in expected cash flows driven by improved home prices and lower expected defaults, along with a decrease in prepayment speeds as a result of rising interest rates. Changes in the prepayment assumption affect the expected remaining life of the portfolio which results in a change to the amount of future interest cash flows. Rollforward of Accretable Yield (Dollars in millions) Three Months Ended June 30, 2013 Six Months Ended June 30, 2013 Accretable yield, beginning of period $ 6,029 $ 4,644 Accretion (300 ) (598 ) Loans purchased — 1,125 Disposals/transfers (35 ) (138 ) Reclassifications from nonaccretable difference 1,081 1,742 Accretable yield, June 30, 2013 $ 6,775 $ 6,775
Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Impaired Financing Receivables	The table below provides information on the Corporation's renegotiated TDR portfolio in the Credit Card and Other Consumer portfolio segment at June 30, 2013 and December 31, 2012, and for the three and six months ended June 30, 2013 and 2012. Impaired Loans – Credit Card and Other Consumer – Renegotiated TDRs           June 30, 2013   December 31, 2012 (Dollars in millions)         Unpaid Principal Balance   Carrying Value (1)   Related Allowance   Unpaid Principal Balance   Carrying Value (1)   Related Allowance With an allowance recorded                               U.S. credit card         $ 2,010   $ 2,021   $ 446   $ 2,856   $ 2,871   $ 719 Non-U.S. credit card         254   259   170   311   316   198 Direct/Indirect consumer         435   436   134   633   636   210 Other consumer         28   28   11   30   30   12 Without an allowance recorded                               Direct/Indirect consumer         88   42   —   105   58   — Other consumer         35   35   —   35   35   — Total                               U.S. credit card         $ 2,010   $ 2,021   $ 446   $ 2,856   $ 2,871   $ 719 Non-U.S. credit card         254   259   170   311   316   198 Direct/Indirect consumer         523   478   134   738   694   210 Other consumer         63   63   11   65   65   12                                   Three Months Ended June 30   Six Months Ended June 30   2013   2012   2013   2012   Average Carrying Value   Interest Income Recognized (2)   Average Carrying Value   Interest Income Recognized (2)   Average Carrying Value   Interest Income Recognized (2)   Average Carrying Value   Interest Income Recognized (2) With an allowance recorded                               U.S. credit card $ 2,287   $ 36   $ 4,400   $ 69   $ 2,505   $ 78   $ 4,710   $ 146 Non-U.S. credit card 273   2   508   3   284   4   540   5 Direct/Indirect consumer 493   7   1,000   13   545   15   1,073   29 Other consumer 28   —   32   —   29   1   32   1 Without an allowance recorded                               Direct/Indirect consumer 44   —   —   —   48   —   —   — Other consumer 35   1   40   1   35   1   40   1 Total                               U.S. credit card $ 2,287   $ 36   $ 4,400   $ 69   $ 2,505   $ 78   $ 4,710   $ 146 Non-U.S. credit card 273   2   508   3   284   4   540   5 Direct/Indirect consumer 537   7   1,000   13   593   15   1,073   29 Other consumer 63   1   72   1   64   2   72   2 (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.
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve	The table below provides information on the Corporation's primary modification programs for the renegotiated TDR portfolio at June 30, 2013 and December 31, 2012. Credit Card and Other Consumer – Renegotiated TDRs by Program Type   Internal Programs   External Programs   Other   Total   Percent of Balances Current or Less Than 30 Days Past Due (Dollars in millions) June 30 2013 December 31 2012   June 30 2013 December 31 2012   June 30 2013 December 31 2012   June 30 2013 December 31 2012   June 30 2013 December 31 2012 U.S. credit card $ 1,243 $ 1,887   $ 756 $ 953   $ 22 $ 31   $ 2,021 $ 2,871   83.04 % 81.48 % Non-U.S. credit card 83 99   31 38   145 179   259 316   46.65 43.71 Direct/Indirect consumer 269 405   159 225   50 64   478 694   84.41 83.11 Other consumer 63 65   — —   — —   63 65   73.03 72.73 Total renegotiated TDRs $ 1,658 $ 2,456   $ 946 $ 1,216   $ 217 $ 274   $ 2,821 $ 3,946   79.71 78.58
Renegotiated Troubled Debt Restructurings By Program Type	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 the three and six months ended June 30, 2013 and 2012, and net charge-offs that were recorded during the period in which the modification occurred. Credit Card and Other Consumer – Renegotiated TDRs Entered into During the Three Months June 30, 2013 and 2012   June 30, 2013   Three Months Ended June 30, 2013 (Dollars in millions) Unpaid Principal Balance   Carrying Value (1)   Pre-Modification Interest Rate   Post-Modification Interest Rate   Net Charge-offs U.S. credit card $ 75   $ 76   16.86 %   6.07 %   $ 2 Non-U.S. credit card 68   71   26.17   0.67   3 Direct/Indirect consumer 17   12   8.92   5.18   — Other consumer 2   2   9.53   4.51   — Total $ 162   $ 161   20.26   3.61   $ 5                       June 30, 2012   Three Months Ended June 30, 2012 U.S. credit card $ 123   $ 127   17.61 %   6.30 %   $ 1 Non-U.S. credit card 92   97   26.27   0.78   4 Direct/Indirect consumer 18   18   15.24   3.96   — Other consumer 3   3   10.11   6.84   — Total $ 236   $ 245   20.77   3.95   $ 5                     Credit Card and Other Consumer – Renegotiated TDRs Entered into During the Six Months Ended June 30, 2013 and 2012   June 30, 2013   Six Months Ended June 30, 2013 U.S. credit card $ 151   $ 153   16.91 %   6.13 %   $ 7 Non-U.S. credit card 123   129   26.16   0.71   25 Direct/Indirect consumer 31   22   9.54   5.25   — Other consumer 3   3   9.48   5.26   — Total $ 308   $ 307   20.11   3.73   $ 32                       June 30, 2012   Six Months Ended June 30, 2012 U.S. credit card $ 264   $ 268   17.94 %   6.34 %   $ 8 Non-U.S. credit card 172   181   26.17   0.88   39 Direct/Indirect consumer 41   41   15.37   4.17   1 Other consumer 6   6   10.05   6.77   — Total $ 483   $ 496   20.61   4.24   $ 48 (1)  Includes accrued interest and fees.
Schedule of Renegotiated Troubled Debt Restructurings Primary Modifications	The table below provides information on the Corporation's primary modification programs for the renegotiated TDR portfolio for loans that were modified in TDRs during the three and six months ended June 30, 2013 and 2012. Credit Card and Other Consumer – Renegotiated TDRs Entered into During the Period by Program Type   Three Months Ended June 30, 2013 (Dollars in millions) Internal Programs   External Programs   Other   Total U.S. credit card $ 39   $ 37   $ —   $ 76 Non-U.S. credit card 38   33   —   71 Direct/Indirect consumer 3   3   6   12 Other consumer 2   —   —   2 Total renegotiated TDRs $ 82   $ 73   $ 6   $ 161                   Three Months Ended June 30, 2012 U.S. credit card $ 57   $ 70   $ —   $ 127 Non-U.S. credit card 51   46   —   97 Direct/Indirect consumer 9   9   —   18 Other consumer 3   —   —   3 Total renegotiated TDRs $ 120   $ 125   $ —   $ 245                   Six Months Ended June 30, 2013 U.S. credit card $ 80   $ 73   $ —   $ 153 Non-U.S. credit card 69   60   —   129 Direct/Indirect consumer 7   5   10   22 Other consumer 3   —   —   3 Total renegotiated TDRs $ 159   $ 138   $ 10   $ 307                   Six Months Ended June 30, 2012 U.S. credit card $ 127   $ 141   $ —   $ 268 Non-U.S. credit card 95   86   —   181 Direct/Indirect consumer 21   20   —   41 Other consumer 6   —   —   6 Total renegotiated TDRs $ 249   $ 247   $ —   $ 496
Commercial Financing Receivable [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Impaired Financing Receivables	The table below presents impaired loans in the Corporation's Commercial loan portfolio segment at June 30, 2013 and December 31, 2012, and for the three and six months ended June 30, 2013 and 2012. 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           June 30, 2013   December 31, 2012 (Dollars in millions)         Unpaid Principal Balance   Carrying Value   Related Allowance   Unpaid Principal Balance   Carrying Value   Related Allowance With no recorded allowance                               U.S. commercial         $ 1,007   $ 954   n/a   $ 1,220   $ 1,109   n/a Commercial real estate         599   546   n/a   1,003   902   n/a Non-U.S. commercial         90   90   n/a   240   120   n/a With an allowance recorded                               U.S. commercial         $ 1,426   $ 1,057   $ 152   $ 1,782   $ 1,138   $ 159 Commercial real estate         1,079   660   82   2,287   1,262   201 Non-U.S. commercial         296   72   36   280   33   18 U.S. small business commercial (1)         253   243   58   361   317   97 Total                               U.S. commercial         $ 2,433   $ 2,011   $ 152   $ 3,002   $ 2,247   $ 159 Commercial real estate         1,678   1,206   82   3,290   2,164   201 Non-U.S. commercial         386   162   36   520   153   18 U.S. small business commercial (1)         253   243   58   361   317   97                                   Three Months Ended June 30   Six Months Ended June 30   2013   2012   2013   2012   Average Carrying Value   Interest Income Recognized (2)   Average Carrying Value   Interest Income Recognized (2)   Average Carrying Value   Interest Income Recognized (2)   Average Carrying Value   Interest Income Recognized (2) With no recorded allowance                               U.S. commercial $ 979   $ 6   $ 1,086   $ 9   $ 1,018   $ 12   $ 1,061   $ 17 Commercial real estate 653   3   1,691   4   742   7   1,832   8 Non-U.S. commercial 113   1   137   —   121   3   125   — With an allowance recorded                               U.S. commercial $ 1,110   $ 7   $ 1,805   $ 7   $ 1,113   $ 15   $ 1,854   $ 18 Commercial real estate 842   4   1,789   4   989   9   2,027   10 Non-U.S. commercial 70   1   54   1   47   2   58   1 U.S. small business commercial (1) 253   2   437   3   270   4   455   7 Total                               U.S. commercial $ 2,089   $ 13   $ 2,891   $ 16   $ 2,131   $ 27   $ 2,915   $ 35 Commercial real estate 1,495   7   3,480   8   1,731   16   3,859   18 Non-U.S. commercial 183   2   191   1   168   5   183   1 U.S. small business commercial (1) 253   2   437   3   270   4   455   7 (1)  Includes U.S. small business commercial renegotiated TDR loans and related allowance. (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. n/a = not applicable
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve	The table below presents the June 30, 2013 and 2012 unpaid principal balance and carrying value of commercial loans that were modified as TDRs during the three and six months ended June 30, 2013 and 2012, 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, beginning in the first quarter of 2013, 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 June 30, 2013 and 2012   June 30, 2013   Three Months Ended June 30, 2013 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Net Charge-offs U.S. commercial $ 487   $ 460   $ 5 Commercial real estate 210   193   1 Non-U.S. commercial 74   73   — U.S. small business commercial (1) 3   3   — Total $ 774   $ 729   $ 6               June 30, 2012   Three Months Ended June 30, 2012 U.S. commercial $ 220   $ 162   $ 13 Commercial real estate 226   210   — Non-U.S. commercial 66   66   — U.S. small business commercial (1) 7   8   — Total $ 519   $ 446   $ 13             Commercial – TDRs Entered into During the Six Months Ended June 30, 2013 and 2012   June 30, 2013   Six Months Ended June 30, 2013 U.S. commercial $ 840   $ 813   $ 2 Commercial real estate 438   381   3 Non-U.S. commercial 74   73   — U.S. small business commercial (1) 5   6   1 Total $ 1,357   $ 1,273   $ 6               June 30, 2012   Six Months Ended June 30, 2012 U.S. commercial $ 558   $ 496   $ 15 Commercial real estate 486   401   4 Non-U.S. commercial 66   66   — U.S. small business commercial (1) 16   17   1 Total $ 1,126   $ 980   $ 20 (1)  U.S. small business commercial TDRs are comprised of renegotiated small business card loans.
Residential Mortgage [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve	The table below presents the June 30, 2013 and 2012 unpaid principal balance, carrying value, and average pre- and post-modification interest rates of home loans that were modified in TDRs during the three and six months ended June 30, 2013 and 2012, and net charge-offs that were recorded during the period in which the modification occurred. The following Home Loans portfolio segment tables include loans that were initially classified as TDRs during the period and also loans that had previously been classified as TDRs and were modified again during the period. These TDRs are managed by Legacy Assets & Servicing. Home Loans – TDRs Entered into During the Three Months Ended June 30, 2013 and 2012 (1)   June 30, 2013   Three Months Ended June 30, 2013 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Pre-Modification Interest Rate   Post-Modification Interest Rate   Net Charge-offs Residential mortgage $ 3,988   $ 3,518   5.29 %   4.56 %   $ 11 Home equity 268   169   6.23   5.20   50 Total $ 4,256   $ 3,687   5.35   4.60   $ 61                       June 30, 2012   Three Months Ended June 30, 2012 Residential mortgage $ 1,762   $ 1,420   5.70 %   4.79 %   $ 76 Home equity 139   82   4.33   3.57   29 Total $ 1,901   $ 1,502   5.60   4.71   $ 105                     Home Loans – TDRs Entered into During the Six Months Ended June 30, 2013 and 2012 (1)   June 30, 2013   Six Months Ended June 30, 2013 Residential mortgage $ 8,843   $ 7,798   5.38 %   4.55 %   $ 50 Home equity 519   306   5.83   4.59   114 Total $ 9,362   $ 8,104   5.41   4.55   $ 164                       June 30, 2012   Six Months Ended June 30, 2012 Residential mortgage $ 3,343   $ 2,776   5.66 %   4.70 %   $ 146 Home equity 333   169   4.85   3.60   93 Total $ 3,676   $ 2,945   5.59   4.61   $ 239 (1)  TDRs entered into during the three and six months ended June 30, 2013 include residential mortgage modifications with principal forgiveness of $125 million and $344 million. TDRs entered into during both the three and six months ended June 30, 2012 include residential mortgage modifications with principal forgiveness of $189 million.
Summary of Troubled Debt Restructuring Note, Debtor	The following tables present the June 30, 2013 and 2012 carrying value for home loans that were modified in a TDR during the three and six months ended June 30, 2013 and 2012 by type of modification. Home Loans – Modification Programs   TDRs Entered into During the Three Months Ended June 30, 2013 (Dollars in millions) Residential Mortgage   Home Equity   Total Carrying Value Modifications under government programs           Contractual interest rate reduction $ 187   $ 14   $ 201 Principal and/or interest forbearance 2   6   8 Other modifications (1) 9   —   9 Total modifications under government programs 198   20   218 Modifications under proprietary programs           Contractual interest rate reduction 896   4   900 Capitalization of past due amounts 26   —   26 Principal and/or interest forbearance 100   3   103 Other modifications (1) 104   —   104 Total modifications under proprietary programs 1,126   7   1,133 Trial modifications 1,811   36   1,847 Loans discharged in Chapter 7 bankruptcy (2) 383   106   489 Total modifications $ 3,518   $ 169   $ 3,687               TDRs Entered into During the Three Months Ended June 30, 2012 Modifications under government programs           Contractual interest rate reduction $ 15   $ 19   $ 34 Principal and/or interest forbearance 1   7   8 Other modifications (1) 2   —   2 Total modifications under government programs 18   26   44 Modifications under proprietary programs           Contractual interest rate reduction 500   3   503 Capitalization of past due amounts 22   —   22 Principal and/or interest forbearance 103   2   105 Other modifications (1) 28   6   34 Total modifications under proprietary programs 653   11   664 Trial modifications 749   45   794 Total modifications $ 1,420   $ 82   $ 1,502 (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 in accordance with regulatory guidance issued in the third quarter of 2012. For the three months ended June 30, 2013, home loans of $262 million, or 54 percent of loans discharged in Chapter 7 bankruptcy were current or less than 60 days past due. Home Loans – Modification Programs   TDRs Entered into During the Six Months Ended June 30, 2013 (Dollars in millions) Residential Mortgage   Home Equity   Total Carrying Value Modifications under government programs           Contractual interest rate reduction $ 779   $ 25   $ 804 Principal and/or interest forbearance 16   13   29 Other modifications (1) 47   —   47 Total modifications under government programs 842   38   880 Modifications under proprietary programs           Contractual interest rate reduction 2,299   31   2,330 Capitalization of past due amounts 57   —   57 Principal and/or interest forbearance 264   8   272 Other modifications (1) 127   6   133 Total modifications under proprietary programs 2,747   45   2,792 Trial modifications 3,301   49   3,350 Loans discharged in Chapter 7 bankruptcy (2) 908   174   1,082 Total modifications $ 7,798   $ 306   $ 8,104               TDRs Entered into During the Six Months Ended June 30, 2012 Modifications under government programs           Contractual interest rate reduction $ 82   $ 52   $ 134 Principal and/or interest forbearance 13   17   30 Other modifications (1) 19   1   20 Total modifications under government programs 114   70   184 Modifications under proprietary programs           Contractual interest rate reduction 929   12   941 Capitalization of past due amounts 40   —   40 Principal and/or interest forbearance 202   6   208 Other modifications (1) 77   9   86 Total modifications under proprietary programs 1,248   27   1,275 Trial modifications  1,414   72   1,486 Total modifications $ 2,776   $ 169   $ 2,945 (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 in accordance with regulatory guidance issued in the third quarter of 2012. For the six months ended June 30, 2013, home loans of $569 million, or 53 percent of loans discharged in Chapter 7 bankruptcy were current or less than 60 days past due.
Schedule of Troubled Debt Restructurings Modified	The table below presents the carrying value of loans that entered into payment default during the three and six months ended June 30, 2013 and 2012 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 a trial modification where the borrower has not yet met the terms of the agreement are included in the table below if the borrower is 90 days or more past due three months after the offer to modify is made. Home Loans – TDRs Entering Payment Default That Were Modified During the Preceding 12 Months   Three Months Ended June 30, 2013 (Dollars in millions)  Residential Mortgage   Home Equity   Total Carrying Value Modifications under government programs $ 68   $ —   $ 68 Modifications under proprietary programs 264   1   265 Loans discharged in Chapter 7 bankruptcy (1) 163   5   168 Trial modifications 1,385   1   1,386 Total modifications $ 1,880   $ 7   $ 1,887               Three Months Ended June 30, 2012 Modifications under government programs $ 68   $ 2   $ 70 Modifications under proprietary programs 243   5   248 Trial modifications 181   6   187 Total modifications $ 492   $ 13   $ 505               Six Months Ended June 30, 2013 Modifications under government programs $ 158   $ 2   $ 160 Modifications under proprietary programs 546   4   550 Loans discharged in Chapter 7 bankruptcy (1) 604   24   628 Trial modifications 1,937   5   1,942 Total modifications $ 3,245   $ 35   $ 3,280               Six Months Ended June 30, 2012 Modifications under government programs $ 143   $ 4   $ 147 Modifications under proprietary programs 620   9   629 Trial modifications 291   9   300 Total modifications $ 1,054   $ 22   $ 1,076 (1)  Includes loans discharged in Chapter 7 bankruptcy with no change in repayment terms that are classified as TDRs in accordance with regulatory guidance issued in the third quarter of 2012.