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v3.20.2

Accounting Policies (Details) $ in Millions |  | 12 Months Ended |  |  |
--- | --- | --- | --- | --- | ---
Jan. 01, 2020 USD ($) | Dec. 31, 2019 USD ($) office | Jan. 01, 2019 USD ($) | Dec. 31, 2018 USD ($) | Jan. 01, 2018 USD ($) | [2]
Lease liabilities |  | $ 2,170 |  |  |  |
Right-of-use assets |  | 2,000 |  |  |  |
Cumulative effect of ASU adoptions |  |  | $ 62 | [1] |  | $ (16)
Charge off threshold - small business commercial loans |  | $ 1 |  |  |  |
Number of international offices | office |  | 4 |  |  |  |
Total allowance |  | $ 3,060 |  |  |  |
Investment securities – held to maturity |  | 17,661 |  |  | $ 19,312 |
Held-to-maturity securities, fair value |  | 18,044 |  |  | 19,019 |
Securities available for sale debt securities, amortized cost |  | 67,790 |  |  | 63,514 |
Investment securities – available for sale |  | $ 69,163 |  |  | $ 63,389 |
Minimum | Furniture and Equipment |  |  |  |  |  |
Estimated useful life of property and equipment |  | 1 year |  |  |  |
Minimum | Software and Software Development Costs |  |  |  |  |  |
Estimated useful life of property and equipment |  | 1 year |  |  |  |
Maximum | Furniture and Equipment |  |  |  |  |  |
Estimated useful life of property and equipment |  | 10 years |  |  |  |
Maximum | Buildings |  |  |  |  |  |
Estimated useful life of property and equipment |  | 40 years |  |  |  |
Maximum | Leasehold Improvements |  |  |  |  |  |
Estimated useful life of property and equipment |  | 15 years |  |  |  |
Maximum | Software and Software Development Costs |  |  |  |  |  |
Estimated useful life of property and equipment |  | 10 years |  |  |  |
Forecast |  |  |  |  |  |
Total allowance | $ 3,721 |  |  |  |  |
Accounting Standards Update 2016-02 |  |  |  |  |  |
Lease liabilities |  |  | 2,100 |  |  |
Right-of-use assets |  |  | 2,000 |  |  |
Accounting Standards Update 2016-13 | Forecast |  |  |  |  |  |
Total allowance | 3,700 |  |  |  |  |
Accounting Standards Update 2019-04 | Forecast |  |  |  |  |  |
Investment securities – held to maturity | (16,200) |  |  |  |  |
Held-to-maturity securities, fair value | (16,500) |  |  |  |  |
Securities available for sale debt securities, amortized cost | 16,200 |  |  |  |  |
Investment securities – available for sale | 16,500 |  |  |  |  |
Other comprehensive income (loss), before tax and net of reclassifications into Net income | $ 306 |  |  |  |  |
Retained Earnings |  |  |  |  |  |
Cumulative effect of ASU adoptions |  |  | 62 | [1] |  | $ (22)
Retained Earnings | Accounting Standards Update 2016-02 |  |  |  |  |  |
Cumulative effect of ASU adoptions |  |  | $ 83 |  |  |
[1] | Represents the impact of the adoption of ASU 2016-02 related primarily to deferred gains on previous sale-leaseback transactions. See the Recently Adopted Accounting Standards portion of Note 1 Accounting Policies for additional detail.
[2] | Represents the cumulative effect of adopting ASU 2014-09, ASU 2016-01, ASU 2017-12 and ASU 2018-02. See the Recently Adopted Accounting Standards portion of Note 1 Accounting Policies in our 2018 Form 10-K for additional detail on the adoption of these ASUs.

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