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Premises, Equipment and Leases (Tables)

12 Months Ended

Dec. 31, 2019

Property, Plant and Equipment and Lease Commitments [Abstract]

Schedule of Property, Plant and Equipment

Useful lives for premises and equipment are estimated as follows:

Premises and Equipment		Useful Lives
Buildings and improvements		5-39 years
Furniture and equipment		3-10 years
Computer software		3 years
Leasehold improvements		Lesser of the useful life or the remaining lease term

The following table presents our premises and equipment as of December 31, 2019 and 2018.

Table 7.1 Components of Premises and Equipment

(Dollars in millions)		December 31, 2019				December 31, 2018
Land		$	382			$	386
Buildings and improvements		3,903				3,994
Furniture and equipment		2,218				2,018
Computer software		1,996				1,847
In progress		689				482
Total premises and equipment, gross		9,188				8,727
Less: Accumulated depreciation and amortization		(4,810		)		(4,536		)
Total premises and equipment, net		$	4,378			$	4,191

Schedule of Lease Cost

The following tables present information about our operating lease portfolio and the related lease costs as of and for the year ended December 31, 2019.

Table 7.2 Operating Lease Portfolio

(Dollars in millions)		December 31, 2019
Right-of-use assets		$	1,433
Lease liabilities		1,756
Weighted-average remaining lease term		8.9 years
Weighted-average discount rate		3.3		%

Table 7.3 Total Operating Lease Expense and Other Information

(Dollars in millions)		Year Ended December 31, 2019
Operating lease cost		$	316
Variable lease cost		39
Total lease cost		355
Sublease income		(26		)
Net lease cost		$	329
Cash paid for amounts included in the measurement of lease liabilities		$	328
Right-of-use assets obtained in exchange for lease liabilities		112
Right-of-use assets recognized upon adoption of new lease standard		1,601

Schedule of Future Minimum Lease Payments

The following table presents a maturity analysis of our operating leases and a reconciliation of the undiscounted cash flows to our lease liabilities as of December 31, 2019.

Table 7.4 Maturities of Operating Leases and Reconciliation to Lease Liabilities

(Dollars in millions)		December 31, 2019
2020		$	310
2021		279
2022		256
2023		235
2024		202
Thereafter		782
Total undiscounted lease payments		2,064
Less: Imputed interest		(308		)
Total lease liabilities		$	1,756

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Property, Plant and Equipment and Lease Commitments [Abstract]

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Tabular disclosure of lessee's lease cost. Includes, but is not limited to, interest expense for finance lease, amortization of right-of-use asset for finance lease, operating lease cost, short-term lease cost, variable lease cost and sublease income.

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Tabular disclosure of undiscounted cash flows of lessee's operating lease liability. Includes, but is not limited to, reconciliation of undiscounted cash flows to operating lease liability recognized in statement of financial position.

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Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.

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