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v3.20.4

Loans (Tables) | 12 Months Ended
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Dec. 31, 2020
Receivables [Abstract] |
Loan Portfolio Composition and Aging Analysis | The table below presents the composition and aging analysis of our loans held for investment portfolio as of December 31, 2020 and 2019. The delinquency aging includes all past due loans, both performing and nonperforming. Table 3.1: Loan Portfolio Composition and Aging Analysis
|  | December 31, 2020
|  |  |  | Delinquent Loans |  |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 96,116 |  |  | $ | 755 |  |  | $ | 464 |  |  | $ | 1,169 |  |  | $ | 2,388 |  |  | $ | 98,504 |
International card businesses |  | 8,218 |  |  | 90 |  |  | 58 |  |  | 86 |  |  | 234 |  |  | 8,452 |
Total credit card |  | 104,334 |  |  | 845 |  |  | 522 |  |  | 1,255 |  |  | 2,622 |  |  | 106,956 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 62,381 |  |  | 2,252 |  |  | 907 |  |  | 222 |  |  | 3,381 |  |  | 65,762 |
Retail banking |  | 3,064 |  |  | 28 |  |  | 19 |  |  | 15 |  |  | 62 |  |  | 3,126 |
Total consumer banking |  | 65,445 |  |  | 2,280 |  |  | 926 |  |  | 237 |  |  | 3,443 |  |  | 68,888 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 30,340 |  |  | 136 |  |  | 22 |  |  | 183 |  |  | 341 |  |  | 30,681 |
Commercial and industrial |  | 44,941 |  |  | 69 |  |  | 15 |  |  | 74 |  |  | 158 |  |  | 45,099 |
Total commercial banking |  | 75,281 |  |  | 205 |  |  | 37 |  |  | 257 |  |  | 499 |  |  | 75,780 |
Total loans(1) |  | $ | 245,060 |  |  | $ | 3,330 |  |  | $ | 1,485 |  |  | $ | 1,749 |  |  | $ | 6,564 |  |  | $ | 251,624 |
% of Total loans |  | 97.4 | % |  | 1.3 | % |  | 0.6 | % |  | 0.7 | % |  | 2.6 | % |  | 100.0 | %
|  | December 31, 2019
|  |  |  | Delinquent Loans |  |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | PCI Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 113,857 |  |  | $ | 1,341 |  |  | $ | 1,038 |  |  | $ | 2,277 |  |  | $ | 4,656 |  |  | $ | 93 |  |  | $ | 118,606 |
International card businesses |  | 9,277 |  |  | 133 |  |  | 84 |  |  | 136 |  |  | 353 |  |  | 0 |  |  | 9,630 |
Total credit card |  | 123,134 |  |  | 1,474 |  |  | 1,122 |  |  | 2,413 |  |  | 5,009 |  |  | 93 |  |  | 128,236 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 55,778 |  |  | 2,828 |  |  | 1,361 |  |  | 395 |  |  | 4,584 |  |  | 0 |  |  | 60,362 |
Retail banking |  | 2,658 |  |  | 24 |  |  | 8 |  |  | 11 |  |  | 43 |  |  | 2 |  |  | 2,703 |
Total consumer banking |  | 58,436 |  |  | 2,852 |  |  | 1,369 |  |  | 406 |  |  | 4,627 |  |  | 2 |  |  | 63,065 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 30,157 |  |  | 43 |  |  | 20 |  |  | 4 |  |  | 67 |  |  | 21 |  |  | 30,245 |
Commercial and industrial |  | 44,009 |  |  | 75 |  |  | 26 |  |  | 143 |  |  | 244 |  |  | 10 |  |  | 44,263 |
Total commercial banking |  | 74,166 |  |  | 118 |  |  | 46 |  |  | 147 |  |  | 311 |  |  | 31 |  |  | 74,508 |
Total loans(1) |  | $ | 255,736 |  |  | $ | 4,444 |  |  | $ | 2,537 |  |  | $ | 2,966 |  |  | $ | 9,947 |  |  | $ | 126 |  |  | $ | 265,809 |
% of Total loans |  | 96.2 | % |  | 1.6 | % |  | 1.0 | % |  | 1.1 | % |  | 3.7 | % |  | 0.1 | % |  | 100.0 | %
__________ (1)Loans include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $1.1 billion as of both December 31, 2020 and 2019.
90 Plus Day Delinquent Loans Accruing Interest and Nonperforming Loans | The following table presents our loans held for investment that are 90 days or more past due that continue to accrue interest and loans that are classified as nonperforming as of December 31, 2020 and 2019. We also present nonperforming loans without an allowance as of December 31, 2020. Nonperforming loans generally include loans that have been placed on nonaccrual status. Table 3.2: 90+ Day Delinquent Loans Accruing Interest and Nonperforming Loans
|  | December 31, 2020 |  | December 31, 2019
(Dollars in millions) |  | > 90 Days and Accruing |  | Nonperforming Loans(1) |  | Nonperforming Loans Without an Allowance |  | > 90 Days and Accruing |  | Nonperforming Loans
Credit Card: |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 1,169 |  |  | N/A |  | $ | 0 |  |  | $ | 2,277 |  |  | N/A
International card businesses |  | 82 |  |  | $ | 21 |  |  | 0 |  |  | 130 |  |  | $ | 25 |
Total credit card |  | 1,251 |  |  | 21 |  |  | 0 |  |  | 2,407 |  |  | 25 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |
Auto |  | 0 |  |  | 294 |  |  | 0 |  |  | 0 |  |  | 487 |
Retail banking |  | 0 |  |  | 30 |  |  | 0 |  |  | 0 |  |  | 23 |
Total consumer banking |  | 0 |  |  | 324 |  |  | 0 |  |  | 0 |  |  | 510 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 51 |  |  | 200 |  |  | 184 |  |  | 0 |  |  | 38 |
Commercial and industrial |  | 0 |  |  | 450 |  |  | 265 |  |  | 0 |  |  | 410 |
Total commercial banking |  | 51 |  |  | 650 |  |  | 449 |  |  | 0 |  |  | 448 |
Total |  | $ | 1,302 |  |  | $ | 995 |  |  | $ | 449 |  |  | $ | 2,407 |  |  | $ | 983 |
% of Total loans held for investment |  | 0.5 | % |  | 0.4 | % |  | 0.2 | % |  | 0.9 | % |  | 0.4 | %
__________ (1)We recognized interest income for loans classified as nonperforming of $39 million for the year ended December 31, 2020.
Financing Receivable, Allowance for Credit Loss [Line Items] |
TDR Disclosures | The following tables present the major modification types, amortized cost amounts and financial effects of loans modified in TDRs during the years ended December 31, 2020, 2019 and 2018. Table 3.6: Troubled Debt Restructurings
|  | Total Loans Modified(1) |  | Year Ended December 31, 2020
|  | Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) |  | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months) |  | % of TDR Activity(2) |  | Gross Balance Reduction
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 243 |  |  | 100 | % |  | 15.94 | % |  | 0 | % |  | 0 |  | 0 | % |  | $ | 0 |
International card businesses |  | 168 |  |  | 100 |  |  | 27.38 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total credit card |  | 411 |  |  | 100 |  |  | 20.61 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 536 |  |  | 11 |  |  | 5.68 |  |  | 95 |  |  | 3 |  | 0 |  |  | 1 |
Retail banking |  | 5 |  |  | 11 |  |  | 10.86 |  |  | 20 |  |  | 8 |  | 0 |  |  | 0 |
Total consumer banking |  | 541 |  |  | 11 |  |  | 5.73 |  |  | 94 |  |  | 3 |  | 0 |  |  | 1 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 98 |  |  | 0 |  |  | 0.00 |  |  | 86 |  |  | 5 |  | 0 |  |  | 0 |
Commercial and industrial |  | 439 |  |  | 4 |  |  | 0.14 |  |  | 52 |  |  | 21 |  | 4 |  |  | 7 |
Total commercial banking |  | 537 |  |  | 3 |  |  | 0.14 |  |  | 58 |  |  | 17 |  | 3 |  |  | 7 |
Total |  | $ | 1,489 |  |  | 33 |  |  | 18.06 |  |  | 55 |  |  | 8 |  | 1 |  |  | $ | 8 |
|  | Total Loans Modified(1) |  | Year Ended December 31, 2019
| Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months) |  | % of TDR Activity(2) |  | Gross Balance Reduction
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 351 |  |  | 100 | % |  | 16.60 | % |  | 0 | % |  | 0 |  | 0 | % |  | $ | 0 |
International card businesses |  | 173 |  |  | 100 |  |  | 27.28 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total credit card |  | 524 |  |  | 100 |  |  | 20.12 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 268 |  |  | 39 |  |  | 3.63 |  |  | 90 |  |  | 7 |  | 1 |  |  | 1 |
Retail banking |  | 7 |  |  | 11 |  |  | 10.66 |  |  | 54 |  |  | 3 |  | 33 |  |  | 0 |
Total consumer banking |  | 275 |  |  | 38 |  |  | 3.68 |  |  | 89 |  |  | 7 |  | 2 |  |  | 1 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 39 |  |  | 87 |  |  | 0.00 |  |  | 13 |  |  | 1 |  | 0 |  |  | 0 |
Commercial and industrial |  | 159 |  |  | 3 |  |  | 0.33 |  |  | 20 |  |  | 8 |  | 0 |  |  | 0 |
Total commercial lending |  | 198 |  |  | 19 |  |  | 0.04 |  |  | 18 |  |  | 7 |  | 0 |  |  | 0 |
Small-ticket commercial real estate |  | 1 |  |  | 0 |  |  | 0.00 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total commercial banking |  | 199 |  |  | 19 |  |  | 0.04 |  |  | 18 |  |  | 7 |  | 0 |  |  | 0 |
Total |  | $ | 998 |  |  | 67 |  |  | 16.37 |  |  | 28 |  |  | 7 |  | 0 |  |  | $ | 1 |
|  | Total Loans Modified(1) |  | Year Ended December 31, 2018
| Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months) |  | % of TDR Activity(2) |  | Gross Balance Reduction
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 412 |  |  | 100 | % |  | 15.93 | % |  | 0 | % |  | 0 |  | 0 | % |  | $ | 0 |
International card businesses |  | 184 |  |  | 100 |  |  | 26.96 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total credit card |  | 596 |  |  | 100 |  |  | 19.34 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto(3) |  | 227 |  |  | 49 |  |  | 3.88 |  |  | 89 |  |  | 8 |  | 1 |  |  | 1 |
Home loan |  | 6 |  |  | 28 |  |  | 1.78 |  |  | 83 |  |  | 214 |  | 0 |  |  | 0 |
Retail banking |  | 8 |  |  | 16 |  |  | 10.92 |  |  | 43 |  |  | 12 |  | 0 |  |  | 0 |
Total consumer banking |  | 241 |  |  | 48 |  |  | 3.93 |  |  | 87 |  |  | 13 |  | 1 |  |  | 1 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 43 |  |  | 0 |  |  | 0.00 |  |  | 80 |  |  | 5 |  | 0 |  |  | 0 |
Commercial and industrial |  | 170 |  |  | 0 |  |  | 1.03 |  |  | 54 |  |  | 13 |  | 0 |  |  | 0 |
Total commercial lending |  | 213 |  |  | 0 |  |  | 1.03 |  |  | 60 |  |  | 11 |  | 0 |  |  | 0 |
Small-ticket commercial real estate |  | 3 |  |  | 0 |  |  | 0.00 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total commercial banking |  | 216 |  |  | 0 |  |  | 1.03 |  |  | 59 |  |  | 11 |  | 0 |  |  | 0 |
Total |  | $ | 1,053 |  |  | 68 |  |  | 16.84 |  |  | 32 |  |  | 12 |  | 0 |  |  | $ | 1 |
__________ (1)Represents the amortized cost of total loans modified in TDRs at the end of the period in which they were modified. As not every modification type is included in the table above, the total percentage of TDR activity may not add up to 100%. Some loans may receive more than one type of concession as part of the modification. (2)Due to multiple concessions granted to some troubled borrowers, percentages may total more than 100% for certain loan types. (3)Includes certain TDRs that are recorded as other assets on our consolidated balance sheets. The following table presents the type, number and amortized cost of loans modified in TDRs that experienced a default during the period and had completed a modification event in the twelve months prior to the default. A default occurs if the loan is either 90 days or more delinquent, has been charged off as of the end of the period presented or has been reclassified from accrual to nonaccrual status. Table 3.7: TDRs—Subsequent Defaults
|  |  |  | Year Ended December 31,
|  |  |  |  |  | 2020 |  | 2019 |  | 2018
(Dollars in millions) |  |  |  |  |  |  |  |  |  | Number of Contracts |  | Amount |  | Number of Contracts |  | Amount |  | Number of Contracts |  | Amount
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  |  |  |  |  |  |  |  |  | 32,639 |  |  | $ | 69 |  |  | 47,086 |  |  | $ | 99 |  |  | 61,070 |  |  | $ | 126 |
International card businesses |  |  |  |  |  |  |  |  |  | 58,363 |  |  | 87 |  |  | 69,470 |  |  | 110 |  |  | 61,014 |  |  | 106 |
Total credit card |  |  |  |  |  |  |  |  |  | 91,002 |  |  | 156 |  |  | 116,556 |  |  | 209 |  |  | 122,084 |  |  | 232 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  |  |  |  |  |  |  |  |  | 5,877 |  |  | 77 |  |  | 5,575 |  |  | 70 |  |  | 6,980 |  |  | 79 |
Home loan |  |  |  |  |  |  |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 3 |  |  | 1 |
Retail banking |  |  |  |  |  |  |  |  |  | 10 |  |  | 1 |  |  | 24 |  |  | 2 |  |  | 26 |  |  | 2 |
Total consumer banking |  |  |  |  |  |  |  |  |  | 5,887 |  |  | 78 |  |  | 5,599 |  |  | 72 |  |  | 7,009 |  |  | 82 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  |  |  |  |  |  |  |  |  | 1 |  |  | 50 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 3 |
Commercial and industrial |  |  |  |  |  |  |  |  |  | 15 |  |  | 130 |  |  | 1 |  |  | 25 |  |  | 26 |  |  | 120 |
Total commercial banking |  |  |  |  |  |  |  |  |  | 16 |  |  | 180 |  |  | 1 |  |  | 25 |  |  | 27 |  |  | 123 |
Total |  |  |  |  |  |  |  |  |  | 96,905 |  |  | $ | 414 |  |  | 122,156 |  |  | $ | 306 |  |  | 129,120 |  |  | $ | 437 |
Credit Card |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Credit Quality Indicator | The table below presents our credit card portfolio by delinquency status as of December 31, 2020. Table 3.3: Credit Card Delinquency Status
|  |  |  | December 31, 2020
(Dollars in millions) |  |  |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Credit Card: |  |  |  |  |  |  |  |
Domestic credit card: |  |  |  |  |  |  |  |
Current |  |  |  | $ | 95,629 |  |  | $ | 487 |  |  | $ | 96,116 |
30-59 days |  |  |  | 734 |  |  | 21 |  |  | 755 |
60-89 days |  |  |  | 451 |  |  | 13 |  |  | 464 |
Greater than 90 days |  |  |  | 1,155 |  |  | 14 |  |  | 1,169 |
Total domestic credit card |  |  |  | 97,969 |  |  | 535 |  |  | 98,504 |
International card businesses: |  |  |  |  |  |  |  |
Current |  |  |  | 8,152 |  |  | 66 |  |  | 8,218 |
30-59 days |  |  |  | 79 |  |  | 11 |  |  | 90 |
60-89 days |  |  |  | 47 |  |  | 11 |  |  | 58 |
Greater than 90 days |  |  |  | 76 |  |  | 10 |  |  | 86 |
Total international card businesses |  |  |  | 8,354 |  |  | 98 |  |  | 8,452 |
Total credit card |  |  |  | $ | 106,323 |  |  | $ | 633 |  |  | $ | 106,956 |
Consumer Banking |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Credit Quality Indicator | The table below presents our consumer banking portfolio of loans held for investment by credit quality indicator as of December 31, 2020 and 2019. We present our auto loan portfolio by FICO scores at origination and our retail banking loan portfolio by delinquency status, which includes all past due loans, both performing and nonperforming. Table 3.4: Consumer Banking Portfolio by Credit Quality Indicator
|  | December 31, 2020 |  |
|  | Term Loans by Vintage Year |  |  |  |  |  |  |  |
(Dollars in millions) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  | December 31, 2019
Auto—At origination FICO scores:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Greater than 660 |  | $ | 13,352 |  |  | $ | 8,091 |  |  | $ | 4,675 |  |  | $ | 2,810 |  |  | $ | 1,168 |  |  | $ | 203 |  |  | $ | 30,299 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 30,299 |  |  | $ | 28,773 |
621-660 |  | 5,781 |  |  | 3,631 |  |  | 2,003 |  |  | 1,172 |  |  | 488 |  |  | 109 |  |  | 13,184 |  |  | 0 |  |  | 0 |  |  | 13,184 |  |  | 11,924 |
620 or below |  | 9,550 |  |  | 6,298 |  |  | 3,317 |  |  | 1,985 |  |  | 886 |  |  | 243 |  |  | 22,279 |  |  | 0 |  |  | 0 |  |  | 22,279 |  |  | 19,665 |
Total auto |  | 28,683 |  |  | 18,020 |  |  | 9,995 |  |  | 5,967 |  |  | 2,542 |  |  | 555 |  |  | 65,762 |  |  | 0 |  |  | 0 |  |  | 65,762 |  |  | 60,362 |
Retail banking—Delinquency status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | 1,041 |  |  | 233 |  |  | 206 |  |  | 222 |  |  | 167 |  |  | 537 |  |  | 2,406 |  |  | 651 |  |  | 7 |  |  | 3,064 |  |  | 2,658 |
30-59 days |  | 0 |  |  | 0 |  |  | 7 |  |  | 1 |  |  | 2 |  |  | 2 |  |  | 12 |  |  | 15 |  |  | 1 |  |  | 28 |  |  | 24 |
60-89 days |  | 0 |  |  | 0 |  |  | 1 |  |  | 0 |  |  | 5 |  |  | 4 |  |  | 10 |  |  | 8 |  |  | 1 |  |  | 19 |  |  | 8 |
Greater than 90 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 1 |  |  | 4 |  |  | 6 |  |  | 9 |  |  | 0 |  |  | 15 |  |  | 11 |
Total retail banking(2) |  | 1,041 |  |  | 233 |  |  | 214 |  |  | 224 |  |  | 175 |  |  | 547 |  |  | 2,434 |  |  | 683 |  |  | 9 |  |  | 3,126 |  |  | 2,701 |
Total consumer banking |  | $ | 29,724 |  |  | $ | 18,253 |  |  | $ | 10,209 |  |  | $ | 6,191 |  |  | $ | 2,717 |  |  | $ | 1,102 |  |  | $ | 68,196 |  |  | $ | 683 |  |  | $ | 9 |  |  | $ | 68,888 |  |  | $ | 63,063 |
__________ (1)Amounts represent period-end loans held for investment in each credit score category. Auto credit scores generally represent average FICO scores obtained from three credit bureaus at the time of application and are not refreshed thereafter. Balances for which no credit score is available or the credit score is invalid are included in the 620 or below category. (2)Includes Paycheck Protection Program (“PPP”) loans of $919 million as of December 31, 2020.
Commercial Banking |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Credit Quality Indicator | The following table presents our commercial banking portfolio of loans held for investment by internal risk ratings as of December 31, 2020 and 2019. The internal risk rating status includes all past due loans, both performing and nonperforming. Table 3.5: Commercial Banking Portfolio by Internal Risk Ratings
|  | December 31, 2020
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Internal risk rating:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | $ | 3,791 |  |  | $ | 4,932 |  |  | $ | 3,232 |  |  | $ | 1,437 |  |  | $ | 1,649 |  |  | $ | 4,904 |  |  | $ | 19,945 |  |  | $ | 7,114 |  |  | $ | 0 |  |  | $ | 27,059 |
Criticized performing |  | 320 |  |  | 446 |  |  | 515 |  |  | 355 |  |  | 391 |  |  | 1,258 |  |  | 3,285 |  |  | 112 |  |  | 25 |  |  | 3,422 |
Criticized nonperforming |  | 0 |  |  | 11 |  |  | 30 |  |  | 6 |  |  | 3 |  |  | 150 |  |  | 200 |  |  | 0 |  |  | 0 |  |  | 200 |
Total commercial and multifamily real estate |  | 4,111 |  |  | 5,389 |  |  | 3,777 |  |  | 1,798 |  |  | 2,043 |  |  | 6,312 |  |  | 23,430 |  |  | 7,226 |  |  | 25 |  |  | 30,681 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | 9,761 |  |  | 7,890 |  |  | 4,043 |  |  | 2,717 |  |  | 1,832 |  |  | 3,034 |  |  | 29,277 |  |  | 11,548 |  |  | 80 |  |  | 40,905 |
Criticized performing |  | 316 |  |  | 794 |  |  | 521 |  |  | 252 |  |  | 106 |  |  | 215 |  |  | 2,204 |  |  | 1,498 |  |  | 42 |  |  | 3,744 |
Criticized nonperforming |  | 74 |  |  | 108 |  |  | 25 |  |  | 51 |  |  | 9 |  |  | 0 |  |  | 267 |  |  | 183 |  |  | 0 |  |  | 450 |
Total commercial and industrial |  | 10,151 |  |  | 8,792 |  |  | 4,589 |  |  | 3,020 |  |  | 1,947 |  |  | 3,249 |  |  | 31,748 |  |  | 13,229 |  |  | 122 |  |  | 45,099 |
Total commercial banking(2) |  | $ | 14,262 |  |  | $ | 14,181 |  |  | $ | 8,366 |  |  | $ | 4,818 |  |  | $ | 3,990 |  |  | $ | 9,561 |  |  | $ | 55,178 |  |  | $ | 20,455 |  |  | $ | 147 |  |  | $ | 75,780 |
|  | December 31, 2019
(Dollars in millions) |  | Commercial and Multifamily Real Estate |  | % of Total |  | Commercial and Industrial |  | % of Total |  |  |  |  |  | Total Commercial Banking |  | % of Total
Internal risk rating:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | $ | 29,625 |  |  | 97.9 | % |  | $ | 42,223 |  |  | 95.4 | % |  |  |  |  |  | $ | 71,848 |  |  | 96.5 | %
Criticized performing |  | 561 |  |  | 1.9 |  |  | 1,620 |  |  | 3.7 |  |  |  |  |  |  | 2,181 |  |  | 2.9 |
Criticized nonperforming |  | 38 |  |  | 0.1 |  |  | 410 |  |  | 0.9 |  |  |  |  |  |  | 448 |  |  | 0.6 |
PCI loans |  | 21 |  |  | 0.1 |  |  | 10 |  |  | 0.0 |  |  |  |  |  |  | 31 |  |  | 0.0 |
Total |  | $ | 30,245 |  |  | 100.0 | % |  | $ | 44,263 |  |  | 100.0 | % |  |  |  |  |  | $ | 74,508 |  |  | 100.0 | %
__________ (1)Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities. (2)Includes PPP loans of $238 million as of December 31, 2020.

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