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Deposits and Borrowings | 6 Months Ended
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Jun. 30, 2020
Deposits and Borrowings [Abstract] |
Deposits and Borrowings |
NOTE 7—DEPOSITS AND BORROWINGS
Our deposits represent our largest source of funding for our assets and operations, which include checking accounts, money market deposits, negotiable order of withdrawals, savings deposits and time deposits. We also use a variety of other funding sources including short-term borrowings, senior and subordinated notes, securitized debt obligations and other borrowings. In addition, we utilize FHLB advances, which are secured by certain portions of our loan and investment securities portfolios. Securitized debt obligations are presented separately on our consolidated balance sheets, as they represent obligations of consolidated securitization trusts, while federal funds purchased and securities loaned or sold under agreements to repurchase, senior and subordinated notes and other borrowings, including FHLB advances, are included in other debt on our consolidated balance sheets. Our total short-term borrowings generally consist of federal funds purchased and securities loaned or sold under agreements to repurchase and short-term FHLB advances. Our long-term debt consists of borrowings with an original contractual maturity of greater than one year. The following tables summarize the components of our deposits, short-term borrowings and long-term debt as of June 30, 2020 and December 31, 2019. The carrying value presented below for these borrowings includes unamortized debt premiums and discounts, net of debt issuance costs and fair value hedge accounting adjustments. Table 7.1: C omponents of Deposits, Short-Term Borrowings and Long-Term Debt
(Dollars in millions) |  | June 30, 2020 |  | December 31, 2019
Deposits: |  |  |  |
Non-interest-bearing deposits |  | $ | 29,055 |  |  | $ | 23,488 |
Interest-bearing deposits(1) |  | 275,183 |  |  | 239,209 |
Total deposits |  | $ | 304,238 |  |  | $ | 262,697 |
Short-term borrowings: |  |  |  |
Federal funds purchased and securities loaned or sold under agreements to repurchase |  | $ | 573 |  |  | $ | 314 |
FHLB advances |  | 0 |  |  | 7,000 |
Total short-term borrowings |  | $ | 573 |  |  | $ | 7,314 |
|  | June 30, 2020 |  | December 31, 2019
(Dollars in millions) |  | Maturity Dates |  | Stated Interest Rates |  | Weighted-Average Interest Rate |  | Carrying Value |  | Carrying Value
Long-term debt: |  |  |  |  |  |  |  |  |  |
Securitized debt obligations |  | 2020-2026 |  | 0.53% - 3.01% |  | 1.77 | % |  | $ | 15,761 |  |  | $ | 17,808 |
Senior and subordinated notes: |  |  |  |  |  |  |  |  |  |
Fixed unsecured senior debt(2) |  | 2020-2029 |  | 0.80 - 4.75 |  | 2.81 |  |  | 21,701 |  |  | 23,302 |
Floating unsecured senior debt |  | 2020-2023 |  | 0.81 - 1.91 |  | 1.01 |  |  | 2,008 |  |  | 2,695 |
Total unsecured senior debt |  | 2.65 |  |  | 23,709 |  |  | 25,997 |
Fixed unsecured subordinated debt |  | 2023-2026 |  | 3.38 - 4.20 |  | 3.78 |  |  | 4,772 |  |  | 4,475 |
Total senior and subordinated notes |  | 28,481 |  |  | 30,472 |
Other long-term borrowings: |  |  |  |  |  |  |  |  |  |
Finance lease liabilities |  | 2020-2031 |  | 1.63 - 9.91 |  | 3.71 |  |  | 85 |  |  | 103 |
Total other long-term borrowings |  | 85 |  |  | 103 |
Total long-term debt |  | $ | 44,327 |  |  | $ | 48,383 |
Total short-term borrowings and long-term debt |  | $ | 44,900 |  |  | $ | 55,697 |
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(1) | Includes $5.9 billion and $6.5 billion of time deposits in denominations in excess of the $250,000 federal insurance limit as of June 30, 2020 and December 31, 2019, respectively.
(2) Includes $1.4 billion of EUR-denominated unsecured notes as of both June 30, 2020 and December 31, 2019.

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- Definition Information about short-term and long-term debt arrangements, including amounts of borrowings, repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements. Also includes the entire disclosure for deposit liabilities including data and tables. + References No definition available. + Details
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- Definition Deposits and Borrowings [Abstract] + References No definition available. + Details
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