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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Operating activities:      
Net income $ 1,582 $ 1,759 $ 1,263
Adjustments to reconcile net income to net cash from operating activities:      
Provision for loan losses 387 229 150
Depreciation, amortization and accretion, net 426 462 537
Securities (gains) losses, net 28 (1) (22)
(Gain) on sale of business 0 (281) 0
Deferred income tax expense 62 226 209
Originations and purchases of loans held for sale (4,381) (3,351) (3,571)
Proceeds from sales of loans held for sale 4,144 3,451 4,053
(Gain) loss on sale of loans, net (124) (73) (118)
Loss on early extinguishment of debt 16 0 0
Net change in operating assets and liabilities:      
Other earning assets 158 116 48
Interest receivable and other assets (347) 171 (410)
Other liabilities 453 (470) 110
Other 177 37 48
Net cash from operating activities 2,581 2,275 2,297
Investing activities:      
Proceeds from maturities of debt securities held to maturity 148 174 196
Proceeds from sales of debt securities available for sale 5,372 254 815
Proceeds from maturities of debt securities available for sale 3,532 3,383 3,575
Net proceeds from (payments for) bank-owned life insurance (8) (4) (1)
Purchases of debt securities available for sale (8,102) (3,410) (4,404)
Purchases of debt securities held to maturity 0 0 (494)
Proceeds from sales of loans 471 307 25
Purchases of loans (1,468) (503) (238)
Purchases of mortgage servicing rights (24) (71) (41)
Net change in loans 766 (3,381) (84)
Net purchases of other assets (178) (151) (150)
Proceeds from disposition of business, net of cash transferred 0 357 0
Net cash from investing activities 509 (3,045) (801)
Financing activities:      
Net change in deposits 2,984 (2,398) (2,146)
Net change in short-term borrowings 450 1,100 500
Proceeds from long-term borrowings 21,274 21,750 6,649
Payments on long-term borrowings (25,926) (17,451) (6,255)
Net proceeds from issuance of preferred stock 490 0 0
Cash dividends on common stock (577) (452) (346)
Cash dividends on preferred stock (79) (64) (64)
Repurchases of common stock (1,101) (2,122) (1,275)
Taxes paid related to net share settlement of equity awards (29) (35) (22)
Other 0 (1) (7)
Net cash from financing activities (2,514) 327 (2,966)
Net change in cash and cash equivalents 576 (443) (1,470)
Cash and cash equivalents at beginning of year 3,538 3,981 5,451
Cash and cash equivalents at end of year $ 4,114 $ 3,538 $ 3,981