2019 Q4 Form 10-K Financial Statement

#000092762821000094 Filed on February 25, 2021

View on sec.gov

Income Statement

Concept 2019 Q4 2018 Q4 2018 Q3
Revenue $6.962B
YoY Change -0.33%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $311.0M
YoY Change 5.78%
% of Gross Profit
Depreciation & Amortization $905.0M $675.0M $589.0M
YoY Change 34.07% -6.38% 0.17%
% of Gross Profit
Operating Expenses $311.0M
YoY Change 5.78%
Operating Profit
YoY Change
Interest Expense $1.109B
YoY Change 54.03%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $1.448B $1.243B $1.921B
YoY Change 16.49% -4.97% 21.2%
Income Tax $270.0M -$21.00M $420.0M
% Of Pretax Income 18.65% -1.69% 21.86%
Net Earnings $1.176B $1.261B $1.502B
YoY Change -6.74% -229.87% 35.68%
Net Earnings / Revenue 21.57%
Basic Earnings Per Share $3.01
Diluted Earnings Per Share $2.538M $2.670M $2.99
COMMON SHARES
Basic Shares Outstanding 477.8M shares
Diluted Shares Outstanding 480.9M shares

Balance Sheet

Concept 2019 Q4 2018 Q4 2018 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $13.75B $13.49B $11.63B
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $4.378B $4.191B $4.149B
YoY Change 4.46% 3.92% 4.91%
Goodwill $14.65B $14.54B $14.51B
YoY Change 0.75% 0.08% -0.13%
Intangibles $174.0M $254.0M $289.0M
YoY Change -31.5% -39.67% -39.92%
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $390.4B $372.5B $362.9B
YoY Change 4.79% 1.87% 0.42%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $439.0M $458.0M $391.0M
YoY Change -4.15% 10.9% 29.9%
Accrued Expenses $1.756B
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $7.314B $9.402B $1.634B
YoY Change -22.21% 1532.29% 113.04%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $2.195B $458.0M $391.0M
YoY Change 379.26% 10.9% 29.9%
LONG-TERM LIABILITIES
Long-Term Debt $48.38B $49.25B $50.07B
YoY Change -1.76% -2.98% 9.91%
Other Long-Term Liabilities $11.77B $11.74B $12.48B
YoY Change 0.19% -6.56% 0.43%
Total Long-Term Liabilities $60.15B $61.00B $62.55B
YoY Change -1.39% -3.69% 7.88%
TOTAL LIABILITIES
Total Short-Term Liabilities $2.195B $458.0M $391.0M
Total Long-Term Liabilities $60.15B $61.00B $62.55B
Total Liabilities $332.4B $320.9B $312.3B
YoY Change 3.58% 1.23% 0.33%
SHAREHOLDERS EQUITY
Retained Earnings $40.34B $35.88B $34.88B
YoY Change 12.45% 16.86% 9.19%
Common Stock $7.000M $7.000M $7.000M
YoY Change 0.0% 0.0% 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $58.01B $51.67B $50.64B
YoY Change
Total Liabilities & Shareholders Equity $390.4B $372.5B $362.9B
YoY Change 4.79% 1.87% 0.42%

Cashflow Statement

Concept 2019 Q4 2018 Q4 2018 Q3
OPERATING ACTIVITIES
Net Income $1.176B $1.261B $1.502B
YoY Change -6.74% -229.87% 35.68%
Depreciation, Depletion And Amortization $905.0M $675.0M $589.0M
YoY Change 34.07% -6.38% 0.17%
Cash From Operating Activities $4.120B $3.940B $3.351B
YoY Change 4.57% -3.69% 9.22%
INVESTING ACTIVITIES
Capital Expenditures -$256.0M -$205.0M -$240.0M
YoY Change 24.88% -15.29% -18.09%
Acquisitions
YoY Change
Other Investing Activities -$16.86B -$9.542B -$2.016B
YoY Change 76.65% 168.49% -71.83%
Cash From Investing Activities -$17.11B -$9.747B -$2.256B
YoY Change 75.56% 156.77% -69.72%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 9.204B 7.668B -2.763B
YoY Change 20.03% 45.53% -144.89%
NET CHANGE
Cash From Operating Activities 4.120B 3.940B 3.351B
Cash From Investing Activities -17.11B -9.747B -2.256B
Cash From Financing Activities 9.204B 7.668B -2.763B
Net Change In Cash -3.788B 1.861B -1.668B
YoY Change -303.55% -66.55% -194.08%
FREE CASH FLOW
Cash From Operating Activities $4.120B $3.940B $3.351B
Capital Expenditures -$256.0M -$205.0M -$240.0M
Free Cash Flow $4.376B $4.145B $3.591B
YoY Change 5.57% -4.34% 6.84%

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CY2018 cof Repaymentsof Unsecured Debtand Long Term Fhlb Advances
RepaymentsofUnsecuredDebtandLongTermFHLBAdvances
14163000000 USD
CY2020 us-gaap Proceeds From Repayments Of Other Debt
ProceedsFromRepaymentsOfOtherDebt
-6674000000 USD
CY2019 us-gaap Proceeds From Repayments Of Other Debt
ProceedsFromRepaymentsOfOtherDebt
-2104000000 USD
CY2018 us-gaap Proceeds From Repayments Of Other Debt
ProceedsFromRepaymentsOfOtherDebt
8671000000 USD
CY2020 us-gaap Proceeds From Issuance Of Common Stock
ProceedsFromIssuanceOfCommonStock
241000000 USD
CY2019 us-gaap Proceeds From Issuance Of Common Stock
ProceedsFromIssuanceOfCommonStock
199000000 USD
CY2018 us-gaap Proceeds From Issuance Of Common Stock
ProceedsFromIssuanceOfCommonStock
175000000 USD
CY2020 us-gaap Payments Of Dividends Common Stock
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460000000 USD
CY2019 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
753000000 USD
CY2018 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
773000000 USD
CY2020 us-gaap Proceeds From Issuance Of Preferred Stock And Preference Stock
ProceedsFromIssuanceOfPreferredStockAndPreferenceStock
1330000000 USD
CY2019 us-gaap Proceeds From Issuance Of Preferred Stock And Preference Stock
ProceedsFromIssuanceOfPreferredStockAndPreferenceStock
1462000000 USD
CY2018 us-gaap Proceeds From Issuance Of Preferred Stock And Preference Stock
ProceedsFromIssuanceOfPreferredStockAndPreferenceStock
0 USD
CY2020 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
280000000 USD
CY2019 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
282000000 USD
CY2018 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
265000000 USD
CY2020 cof Payments For Redemption Of Preferred Stock
PaymentsForRedemptionOfPreferredStock
1375000000 USD
CY2019 cof Payments For Redemption Of Preferred Stock
PaymentsForRedemptionOfPreferredStock
1000000000 USD
CY2018 cof Payments For Redemption Of Preferred Stock
PaymentsForRedemptionOfPreferredStock
0 USD
CY2020 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
393000000 USD
CY2019 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
1481000000 USD
CY2018 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
2284000000 USD
CY2020 us-gaap Proceeds From Stock Plans
ProceedsFromStockPlans
62000000 USD
CY2019 us-gaap Proceeds From Stock Plans
ProceedsFromStockPlans
17000000 USD
CY2018 us-gaap Proceeds From Stock Plans
ProceedsFromStockPlans
38000000 USD
CY2020 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
25164000000 USD
CY2019 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
6619000000 USD
CY2018 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
1777000000 USD
CY2020 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
27022000000 USD
CY2019 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
260000000 USD
CY2018 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-863000000 USD
CY2019Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
13749000000 USD
CY2018Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
13489000000 USD
CY2017Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
14352000000 USD
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
40771000000 USD
CY2019Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
13749000000 USD
CY2018Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
13489000000 USD
CY2020 cof Transfer Of To Portfolio Financing Receivables To From Held For Sale
TransferOfToPortfolioFinancingReceivablesToFromHeldForSale
2192000000 USD
CY2019 cof Transfer Of To Portfolio Financing Receivables To From Held For Sale
TransferOfToPortfolioFinancingReceivablesToFromHeldForSale
1589000000 USD
CY2018 cof Transfer Of To Portfolio Financing Receivables To From Held For Sale
TransferOfToPortfolioFinancingReceivablesToFromHeldForSale
855000000 USD
CY2020 us-gaap Debt Securities Held To Maturity Transfer Amount
DebtSecuritiesHeldToMaturityTransferAmount
0 USD
CY2019 us-gaap Debt Securities Held To Maturity Transfer Amount
DebtSecuritiesHeldToMaturityTransferAmount
33187000000 USD
CY2018 us-gaap Debt Securities Held To Maturity Transfer Amount
DebtSecuritiesHeldToMaturityTransferAmount
0 USD
CY2020 us-gaap Interest Paid Net
InterestPaidNet
3580000000 USD
CY2019 us-gaap Interest Paid Net
InterestPaidNet
4790000000 USD
CY2018 us-gaap Interest Paid Net
InterestPaidNet
3933000000 USD
CY2020 us-gaap Income Taxes Paid
IncomeTaxesPaid
988000000 USD
CY2019 us-gaap Income Taxes Paid
IncomeTaxesPaid
626000000 USD
CY2018 us-gaap Income Taxes Paid
IncomeTaxesPaid
407000000 USD
CY2020 us-gaap Number Of Operating Segments
NumberOfOperatingSegments
3 segment
CY2020 us-gaap Use Of Estimates
UseOfEstimates
The preparation of the consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and in the related disclosures. These estimates are based on information available as of the date of the consolidated financial statements. While management makes its best judgments, actual amounts or results could differ from these estimates.<span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain prior period amounts have been reclassified to conform to the current period presentation.</span>
CY2020 us-gaap Financing Receivable Allowance For Credit Losses Policy For Uncollectible Amounts
FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts
<div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses - Available for Sale Investment Securities</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain an allowance for credit losses (“allowance”) that represents management’s current estimate of expected credit losses over the contractual terms of our investment securities classified as available for sale. When an investment security available for sale is impaired due to credit factors, we recognize a provision for credit losses in our consolidated statements of income and an allowance for credit losses on our consolidated balance sheets. Credit losses recognized in the allowance for credit losses are limited to the amount by which the investment security’s amortized cost basis exceeds its fair value. Investment securities in unrealized gain positions do not have an allowance for credit losses as the investment security could be sold at its fair value to prevent realization of credit losses. We exclude accrued interest from the fair value and amortized cost basis of an investment security for purposes of measuring impairment. Charge-offs of uncollectible amounts of investment securities are deducted from the allowance for credit losses.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For certain of our securities available for sale, we have determined that there is no risk of impairment due to credit factors. These investment securities include high quality debt instruments that are issued and guaranteed by the United States government and its agencies or are issued through certain government-sponsored enterprises. Management performs periodic assessments to reevaluate this conclusion by considering any changes in historical losses, current conditions, and reasonable and supportable forecasts.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We evaluate impairment on a quarterly basis at the individual security level and determine whether any portion of the decline in fair value is due to a credit loss. We make this determination through the use of quantitative and qualitative analyses. Our qualitative analysis includes factors such as the extent to which fair value is less than amortized cost, any changes in the security’s credit rating, past defaults or delayed payments, and adverse conditions impacting the security or issuer. A credit loss exists to the extent that management does not expect to recover the amortized cost basis.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For investment securities which require further assessment, we perform a quantitative analysis using a discounted cash flow methodology and compare the present value of expected future cash flows from the security available for sale to the security’s amortized cost basis. Projected future cash flows reflect management’s best estimate and are based on our understanding of past events, current conditions, reasonable and supportable forecasts, and are discounted by the security’s effective interest rate adjusted for prepayments. The allowance for credit losses for investment securities reflects the difference by which the amortized cost basis exceeds the present value of future cash flows and is limited to the amount by which the security’s amortized cost exceeds its fair value. See “Note 2—Investment Securities” for additional information.</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses - Loans Held for Investment</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain an allowance for credit losses (“allowance”) that represents management’s current estimate of expected credit losses over the contractual terms of our loans held for investment. We measure the allowance on a quarterly basis through consideration of past events, including historical experience, current conditions and reasonable and supportable forecasts.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We measure current expected credit losses over the contractual terms of our loans. The contractual terms are adjusted for expected prepayments but are not extended for renewals or extensions, except when an extension or renewal arises from a borrower option that is not unconditionally cancellable or through a TDR that is reasonably expected to occur.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We aggregate loans sharing similar risk characteristics into pools for purposes of measuring expected credit losses. Pools are reassessed periodically to confirm that all loans within each pool continue to share similar risk characteristics. Expected credit losses for loans that do not share similar risk characteristics with other financial assets are measured individually.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Expected recoveries of amounts previously charged off or expected to be charged off are recognized within the allowance, with a corresponding reduction to our provision for credit losses. At times expected recoveries may result in a negative allowance. We limit the allowance to amounts previously charged off and expected to be charged off. Charge-offs of uncollectible amounts result in a reduction to the allowance and recoveries of previously charged off amounts result in an increase to the allowance.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When developing an estimate of expected credit losses, we use both quantitative and qualitative methods in considering all available information relevant to assessing collectability. This may include internal information, external information, or a combination of both relating to past events, current conditions, and reasonable and supportable forecasts. Significant judgment is applied to the development and duration of reasonable and supportable forecasts used in our estimation of lifetime losses. We estimate expected credit losses over the duration of those forecasts and then revert, on a rational and systematic basis, to historical losses at each relevant loss component of the estimate. Expected losses for contractual terms extending beyond the reasonable and supportable forecast and reversion periods are based on those historical losses.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management will consider and may qualitatively adjust for conditions, changes and trends in loan portfolios that may not be captured in modeled results. These adjustments are referred to as qualitative factors and represent management’s judgment of the imprecision and risks inherent in the processes and assumptions used in establishing the allowance for credit losses. Management’s judgment may involve an assessment of current and forward-looking conditions including but not limited to changes in lending policies and procedures, nature and volume of the portfolio, external factors, and uncertainty as it relates to economic, model or forecast risks, where not already captured in the modeled results.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Expected credit losses for collateral-dependent loans are based on the fair value of the underlying collateral. When we intend to liquidate the collateral, the fair value of the collateral is adjusted for expected costs to sell. A loan is deemed to be a collateral-dependent loan when (i) we determine foreclosure or repossession of the underlying collateral is probable, or (ii) foreclosure or repossession is not probable, but the borrower is experiencing financial difficulty and we expect repayment to be provided substantially through the operation or sale of the collateral. The allowance for a collateral-dependent loan reflects the difference between the loan’s amortized cost basis and the fair value (less selling costs, where applicable) of the loan's underlying collateral.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our credit card and consumer banking loan portfolios consist of smaller-balance, homogeneous loans. The consumer banking loan portfolio is divided into two primary portfolio segments: auto loans and retail banking loans. The credit card and consumer banking loan portfolios are further divided by our business units into groups based on common risk characteristics, such as origination year, contract type, interest rate, borrower credit score and geography. The commercial banking loan portfolio is primarily composed of larger-balance, non-homogeneous loans. These loans are subject to reviews that result in internal risk ratings. In assessing the risk rating of a particular commercial banking loan, among the factors we consider are the financial condition of the borrower, geography, collateral performance, historical loss experience and industry-specific information that management believes is relevant in determining and measuring expected credit losses. Subjective assessment and interpretation are involved. Emphasizing one factor over another or considering additional factors could impact the risk rating assigned to that commercial banking loan.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For consumer banking and commercial banking loans, the contractual period typically does not include renewals or extensions because the renewals and extensions are generally not at the borrower’s exclusive option to exercise. Management has determined that the undrawn credit exposure that is associated with our credit card loans is unconditionally cancellable. For this reason, expected credit losses are measured based on the drawn balance at each quarterly measurement date, but not on the undrawn exposure. Because credit card loans do not have a defined contractual life, management estimates both the volume and application of payments to determine a contractual life of the drawn balance at the measurement date over which expected credit losses are developed for credit card loans.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With the exception of credit card loans, we have made a policy election to not measure an allowance on accrued interest for loans held for investment because we reverse uncollectible accrued interest in a timely manner. See the “Delinquent and Nonperforming Loans” and “Charge-Offs - Loans” sections of this Note for information on what we consider timely. For credit card loans, we do not make this election, as we reserve for uncollectible accrued interest relating to credit card loans in the allowance.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance related to credit card and consumer banking loans assessed on a pooled basis is based on a modeled calculation, which is supplemented by management judgment as described above. Because of the homogeneous nature of our consumer loan portfolios, the allowance is based on the aggregated portfolio segment evaluations. The allowance is established through a process that begins with estimates of historical losses in each pool based upon various statistical analyses, with adjustments for current conditions and reasonable and supportable forecasts of conditions, which includes expected economic conditions. Loss forecast models are utilized to estimate expected credit losses and consider several portfolio indicators including, but not limited to, expected economic conditions, historical loss experience, account seasoning, the value of collateral underlying secured loans, estimated foreclosures or defaults based on observable trends, delinquencies, bankruptcy filings, unemployment, borrower credit scores and general business trends. Management believes these factors are relevant in estimating expected credit losses and also considers an evaluation of overall portfolio credit quality based on indicators such as changes in our credit evaluation, underwriting and collection management policies, the effect of other external factors such as competition and legal and regulatory requirements, general economic conditions and business trends, and uncertainties in forecasting and modeling techniques used in estimating our allowance.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance related to commercial banking loans assessed on a pooled basis is based on our historical loss experience for loans with similar risk characteristics and consideration of the current credit quality of the portfolio, which is supplemented by management judgment as described above. These are adjusted for current conditions, and reasonable and supportable forecasts of conditions likely to cause future losses which vary from historical levels. We apply internal risk ratings to commercial banking loans, which we use to assess credit quality and derive a total loss estimate based on an estimated probability of default (“default rate”) and loss given default (“loss severity”). Management may also apply judgment to adjust the loss factors derived, taking into consideration both quantitative and qualitative factors, including general economic conditions, industry-specific and geographic trends, portfolio concentrations, trends in internal credit quality indicators, and current and past underwriting standards that have occurred but are not yet reflected in the historical data underlying our loss estimates.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance related to smaller-balance homogeneous credit card and consumer banking loans whose terms have been modified in a TDR is calculated on a pool basis using historical loss experience, adjusted for current conditions and reasonable and supportable forecasts of conditions likely to cause future losses which vary from historical levels for the respective class of assets. The allowance related to consumer banking loans that are assessed at a loan-level is determined based on key considerations that include the borrower’s overall financial condition, resources and payment history, prospects for support from financially responsible guarantors, and when applicable, the estimated realizable value of any collateral. The allowance related to commercial banking loans that are assessed at a loan-level is generally determined in accordance with our policy for estimating expected credit losses for collateral-dependent loans as described above.</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Off-balance sheet credit exposures</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the allowance, we also measure expected credit losses related to unfunded lending commitments that are not unconditionally cancellable in our Commercial Banking business. This reserve is measured using the same measurement objectives as the allowance for loans held for investment and is recorded within other liabilities on our consolidated balance sheets. These commitments are segregated by risk according to our internal risk rating scale, which we use to assess credit quality and derive an expected credit loss estimate. We assess these risk classifications, taking into consideration both quantitative and qualitative factors, including historical loss experience, adjusted for current conditions and reasonable and supportable forecasts of conditions likely to cause future losses which vary from historical levels, and utilization assumptions to estimate the reserve for unfunded lending commitments. Expected credit losses are not measured on unfunded lending commitments that are unconditionally cancellable, including all of our unfunded credit card and consumer banking lending commitments and certain of our unfunded commercial banking lending commitments.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Determining the appropriateness of the allowance and the reserve for unfunded lending commitments is complex and requires judgment by management about the effect of matters that are inherently uncertain. Subsequent evaluations of the loan portfolio, in light of the factors then prevailing, may result in significant changes in the reserve for unfunded lending commitments in future periods. See “Note 4—Allowance for Credit Losses and Reserve for Unfunded Lending Commitments” for additional information.</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Significant Accounting Policies Prior to our Adoption of the CECL Standard</span></div><div style="margin-bottom:9pt;margin-top:9pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held for Investment - Estimate of Incurred Loan and Lease Losses</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In periods prior to 2020, the allowance represented management’s current estimate of incurred loan and lease losses inherent in our loans held for investment portfolio as of each balance sheet date. The provision for credit losses reflected credit losses we believed had been incurred and would eventually be recognized over time through charge-offs.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management performed a quarterly analysis of our loan portfolio to determine if impairment had occurred and to assess the adequacy of the allowance based on historical and current trends as well as other factors affecting credit losses. We applied documented systematic methodologies to separately calculate the allowance for our credit card, consumer banking and commercial banking loan portfolios. Our allowance for loan and lease losses consisted of three components that were allocated to cover the estimated probable losses in each loan portfolio based on the results of our detailed review and loan impairment assessment process: (i) a component for loans collectively evaluated for impairment; (ii) an asset-specific component for individually impaired loans; and (iii) a component related to PCI loans that experienced significant decreases in expected cash flows subsequent to acquisition. Each of our allowance components was supplemented by an amount that represented management’s qualitative judgment of the imprecision and risks inherent in the processes and assumptions used in establishing the allowance.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The component of the allowance related to credit card and consumer banking loans that we collectively evaluated for impairment was based on a statistical calculation. The component of the allowance for commercial banking loans that we collectively evaluated for impairment was based on our historical loss experience for loans with similar risk characteristics and consideration of the current credit quality of the portfolio. The asset-specific component of the allowance includes smaller-balance homogeneous credit card and consumer banking loans whose terms have been modified in a TDR and larger-balance nonperforming, non-homogeneous commercial banking loans. We generally measured the asset-specific component of the allowance based on the difference between the recorded investment of individually impaired loans and the present value of expected future cash flows. In addition to the allowance, we also estimated probable losses related to contractually binding unfunded lending commitments.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Acquired - Credit Impaired</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For PCI loans, we aggregated loans acquired in the same fiscal quarter into one or more pools if the loans have common risk characteristics. A pool is then accounted for as a single asset, with a single composite interest rate and an aggregate fair value and expected cash flows. </span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Subsequent to acquisition, decreases in expected cash flows resulting from credit deterioration subsequent to acquisition generally resulted in an impairment charge recognized in our provision for credit losses and an increase in the allowance for loan and lease losses. Significant increases in the cash flows expected to be collected would first reduce any previously recorded allowance for loan and lease losses. See “Note 3—Loans” for additional information.</span></div><div style="margin-bottom:9pt;margin-top:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We recorded charge-offs on PCI loans only if actual losses exceed estimated credit losses incorporated into the fair value recorded at acquisition. Further, PCI loans are not classified as delinquent or nonperforming.</span></div>
CY2020 cof Loan Commitmentand Origination Feesand Discountsor Premiums Amortization Period
LoanCommitmentandOriginationFeesandDiscountsorPremiumsAmortizationPeriod
P12M
CY2020 cof Threshold Period Past Duefor Delinquency Statusof Financing Receivables
ThresholdPeriodPastDueforDelinquencyStatusofFinancingReceivables
P30D
CY2020Q4 cof Cof Customer Loyalty Program Liability
Cof_CustomerLoyaltyProgramLiability
5400000000 USD
CY2019Q4 cof Cof Customer Loyalty Program Liability
Cof_CustomerLoyaltyProgramLiability
4700000000 USD
CY2020 us-gaap Debt Securities Available For Sale Change In Present Value Interest Income
DebtSecuritiesAvailableForSaleChangeInPresentValueInterestIncome
230000000 USD
CY2020Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
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97569000000 USD
CY2020Q4 us-gaap Debt Securities Available For Sale Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAllowanceForCreditLoss
1000000 USD
CY2020Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
97569000000 USD
CY2020Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
2997000000 USD
CY2020Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
120000000 USD
CY2020Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
100445000000 USD
CY2019Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
77984000000 USD
CY2019Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
1561000000 USD
CY2019Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
332000000 USD
CY2019Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
79213000000 USD
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
9095000000 USD
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
64000000 USD
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
2059000000 USD
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
55000000 USD
CY2020Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
11154000000 USD
CY2020Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
119000000 USD
CY2019Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
15882000000 USD
CY2019Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
120000000 USD
CY2019Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
12252000000 USD
CY2019Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
212000000 USD
CY2019Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
28134000000 USD
CY2019Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
332000000 USD
CY2020Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
320 security
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities Next Rolling Twelve Months Fair Value
AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue
632000000 USD
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities Rolling Year Two Through Five Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue
14150000000 USD
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities Rolling Year Six Through Ten Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue
7096000000 USD
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities Rolling After Year Ten Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue
78567000000 USD
CY2020Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
100445000000 USD
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities Next Rolling Twelve Months Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis
628000000 USD
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities Rolling Year Two Through Five Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis
14091000000 USD
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities Rolling Year Six Through Ten Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis
6860000000 USD
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities Rolling After Year Ten Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis
75990000000 USD
CY2020Q4 us-gaap Debt Securities Available For Sale Maturity Rolling Within One Year Weighted Average Yield
DebtSecuritiesAvailableForSaleMaturityRollingWithinOneYearWeightedAverageYield
0.0143
CY2020 us-gaap Number Of Reporting Units
NumberOfReportingUnits
4 segment
CY2020Q4 us-gaap Debt Securities Available For Sale Maturity Rolling After One Through Five Years Weighted Average Yield
DebtSecuritiesAvailableForSaleMaturityRollingAfterOneThroughFiveYearsWeightedAverageYield
0.0074
CY2020Q4 us-gaap Debt Securities Available For Sale Maturity Rolling After Five Through Ten Years Weighted Average Yield
DebtSecuritiesAvailableForSaleMaturityRollingAfterFiveThroughTenYearsWeightedAverageYield
0.0176
CY2020Q4 us-gaap Debt Securities Available For Sale Maturity Rolling After10 Years Weighted Average Yield
DebtSecuritiesAvailableForSaleMaturityRollingAfter10YearsWeightedAverageYield
0.0220
CY2020Q4 cof Debt Securities Available For Sale Weighted Average Yield
DebtSecuritiesAvailableForSaleWeightedAverageYield
0.0196
CY2020 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
25000000 USD
CY2019 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
44000000 USD
CY2018 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
13000000 USD
CY2020 us-gaap Debt Securities Available For Sale Realized Loss Excluding Other Than Temporary Impairment
DebtSecuritiesAvailableForSaleRealizedLossExcludingOtherThanTemporaryImpairment
0 USD
CY2019 us-gaap Debt Securities Available For Sale Realized Loss Excluding Other Than Temporary Impairment
DebtSecuritiesAvailableForSaleRealizedLossExcludingOtherThanTemporaryImpairment
18000000 USD
CY2018 us-gaap Debt Securities Available For Sale Realized Loss Excluding Other Than Temporary Impairment
DebtSecuritiesAvailableForSaleRealizedLossExcludingOtherThanTemporaryImpairment
21000000 USD
CY2020 us-gaap Debt Securities Available For Sale Realized Gain Loss Excluding Other Than Temporary Impairment
DebtSecuritiesAvailableForSaleRealizedGainLossExcludingOtherThanTemporaryImpairment
25000000 USD
CY2019 us-gaap Debt Securities Available For Sale Realized Gain Loss Excluding Other Than Temporary Impairment
DebtSecuritiesAvailableForSaleRealizedGainLossExcludingOtherThanTemporaryImpairment
26000000 USD
CY2018 us-gaap Debt Securities Available For Sale Realized Gain Loss Excluding Other Than Temporary Impairment
DebtSecuritiesAvailableForSaleRealizedGainLossExcludingOtherThanTemporaryImpairment
-8000000 USD
CY2020 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
812000000 USD
CY2019 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
4780000000 USD
CY2018 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
6399000000 USD
CY2019Q4 us-gaap Derivative Collateral Obligation To Return Securities
DerivativeCollateralObligationToReturnSecurities
1000000 USD
CY2020Q4 us-gaap Derivative Collateral Obligation To Return Securities
DerivativeCollateralObligationToReturnSecurities
1000000 USD
CY2020Q4 us-gaap Financing Receivable Accrued Interest Before Allowance For Credit Loss
FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss
1200000000 USD
CY2020Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
245060000000 USD
CY2020Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
6564000000 USD
CY2020Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
251624000000 USD
CY2020Q4 cof Financing Receivable Percent Current
FinancingReceivablePercentCurrent
0.974
CY2020Q4 us-gaap Financing Receivable Percent Past Due1
FinancingReceivablePercentPastDue1
0.026
CY2020Q4 cof Financing Receivable Percentageof Total Loan
FinancingReceivablePercentageofTotalLoan
1.000
CY2019Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
255736000000 USD
CY2019Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
9947000000 USD
CY2019Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
265809000000 USD
CY2019Q4 cof Financing Receivable Percent Current
FinancingReceivablePercentCurrent
0.962
CY2019Q4 us-gaap Financing Receivable Percent Past Due1
FinancingReceivablePercentPastDue1
0.037
CY2019Q4 cof Financing Receivable Percentageof Total Loan
FinancingReceivablePercentageofTotalLoan
1.000
CY2020Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
1100000000 USD
CY2019Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
1100000000 USD
CY2020Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
1302000000 USD
CY2020Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
995000000 USD
CY2020Q4 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
449000000 USD
CY2019Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
2407000000 USD
CY2019Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
983000000 USD
CY2020Q4 cof Financing Receivable Percent90 Days Past Dueand Still Accruing
FinancingReceivablePercent90DaysPastDueandStillAccruing
0.005
CY2020Q4 us-gaap Financing Receivable Nonaccrual Percent Past Due1
FinancingReceivableNonaccrualPercentPastDue1
0.004
CY2020Q4 cof Financing Receivable Nonaccrual No Allowance Percent Past Due
FinancingReceivableNonaccrualNoAllowancePercentPastDue
0.002
CY2019Q4 cof Financing Receivable Percent90 Days Past Dueand Still Accruing
FinancingReceivablePercent90DaysPastDueandStillAccruing
0.009
CY2019Q4 us-gaap Financing Receivable Nonaccrual Percent Past Due1
FinancingReceivableNonaccrualPercentPastDue1
0.004
CY2020 us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
39000000 USD
CY2020Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
2100000000 USD
CY2019Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1700000000 USD
CY2020Q4 us-gaap Loans And Leases Receivable Impaired Commitment To Lend
LoansAndLeasesReceivableImpairedCommitmentToLend
173000000 USD
CY2019Q4 us-gaap Loans And Leases Receivable Impaired Commitment To Lend
LoansAndLeasesReceivableImpairedCommitmentToLend
178000000 USD
CY2020 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
1489000000 USD
CY2019 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
998000000 USD
CY2018 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
1053000000 USD
CY2020 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
96905 contract
CY2020 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
414000000 USD
CY2019 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
122156 contract
CY2019 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
306000000 USD
CY2018 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
129120 contract
CY2018 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
437000000 USD
CY2020Q4 us-gaap Loans Receivable Held For Sale Net Not Part Of Disposal Group
LoansReceivableHeldForSaleNetNotPartOfDisposalGroup
2700000000 USD
CY2019Q4 us-gaap Loans Receivable Held For Sale Net Not Part Of Disposal Group
LoansReceivableHeldForSaleNetNotPartOfDisposalGroup
400000000 USD
CY2019Q4 us-gaap Variable Interest Entity Entity Maximum Loss Exposure Amount
VariableInterestEntityEntityMaximumLossExposureAmount
5413000000 USD
CY2020 cof Uncollectible Portionof Billed Finance Chargesand Fees
UncollectiblePortionofBilledFinanceChargesandFees
1100000000 USD
CY2019 cof Uncollectible Portionof Billed Finance Chargesand Fees
UncollectiblePortionofBilledFinanceChargesandFees
1400000000 USD
CY2018 cof Uncollectible Portionof Billed Finance Chargesand Fees
UncollectiblePortionofBilledFinanceChargesandFees
1300000000 USD
CY2020Q4 us-gaap Variable Interest Entity Entity Maximum Loss Exposure Amount
VariableInterestEntityEntityMaximumLossExposureAmount
5343000000 USD
CY2020 us-gaap Amortization Method Qualified Affordable Housing Project Investments Amortization
AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization
556000000 USD
CY2019 us-gaap Amortization Method Qualified Affordable Housing Project Investments Amortization
AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization
554000000 USD
CY2020 us-gaap Affordable Housing Tax Credits And Other Tax Benefits Amount
AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount
607000000 USD
CY2019 us-gaap Affordable Housing Tax Credits And Other Tax Benefits Amount
AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount
610000000 USD
CY2020Q4 us-gaap Amortization Method Qualified Affordable Housing Project Investments
AmortizationMethodQualifiedAffordableHousingProjectInvestments
4500000000 USD
CY2019Q4 us-gaap Amortization Method Qualified Affordable Housing Project Investments
AmortizationMethodQualifiedAffordableHousingProjectInvestments
4400000000 USD
CY2019Q4 us-gaap Qualified Affordable Housing Project Investments Commitment
QualifiedAffordableHousingProjectInvestmentsCommitment
1500000000 USD
CY2020Q4 us-gaap Qualified Affordable Housing Project Investments Commitment
QualifiedAffordableHousingProjectInvestmentsCommitment
1500000000 USD
CY2020Q4 us-gaap Goodwill Gross
GoodwillGross
14653000000 USD
CY2020Q4 us-gaap Goodwill
Goodwill
14653000000 USD
CY2020Q4 us-gaap Intangible Assets Gross Excluding Goodwill
IntangibleAssetsGrossExcludingGoodwill
396000000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
306000000 USD
CY2020Q4 us-gaap Intangible Assets Net Excluding Goodwill
IntangibleAssetsNetExcludingGoodwill
90000000 USD
CY2020 us-gaap Finite Lived Intangible Assets Remaining Amortization Period1
FiniteLivedIntangibleAssetsRemainingAmortizationPeriod1
P7Y1M6D
CY2020Q4 cof Intangible Assets Gross Including Goodwill
IntangibleAssetsGrossIncludingGoodwill
15049000000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
306000000 USD
CY2020Q4 us-gaap Intangible Assets Net Including Goodwill
IntangibleAssetsNetIncludingGoodwill
14743000000 USD
CY2020Q4 cof Mortgage Servicing Assetat Amortized Cost Gross
MortgageServicingAssetatAmortizedCostGross
542000000 USD
CY2020Q4 cof Servicing Assetat Amortized Cost Accumulated Amortization
ServicingAssetatAmortizedCostAccumulatedAmortization
175000000 USD
CY2020Q4 us-gaap Servicing Asset At Amortized Value
ServicingAssetAtAmortizedValue
367000000 USD
CY2019Q4 us-gaap Goodwill Gross
GoodwillGross
14653000000 USD
CY2019Q4 us-gaap Goodwill
Goodwill
14653000000 USD
CY2019Q4 us-gaap Intangible Assets Gross Excluding Goodwill
IntangibleAssetsGrossExcludingGoodwill
2178000000 USD
CY2019Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
2004000000 USD
CY2019Q4 us-gaap Intangible Assets Net Excluding Goodwill
IntangibleAssetsNetExcludingGoodwill
174000000 USD
CY2019 us-gaap Finite Lived Intangible Assets Remaining Amortization Period1
FiniteLivedIntangibleAssetsRemainingAmortizationPeriod1
P5Y7M6D
CY2019Q4 cof Intangible Assets Gross Including Goodwill
IntangibleAssetsGrossIncludingGoodwill
16831000000 USD
CY2019Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
2004000000 USD
CY2019Q4 us-gaap Intangible Assets Net Including Goodwill
IntangibleAssetsNetIncludingGoodwill
14827000000 USD
CY2019Q4 cof Mortgage Servicing Assetat Amortized Cost Gross
MortgageServicingAssetatAmortizedCostGross
555000000 USD
CY2019Q4 cof Servicing Assetat Amortized Cost Accumulated Amortization
ServicingAssetatAmortizedCostAccumulatedAmortization
255000000 USD
CY2019Q4 us-gaap Servicing Asset At Amortized Value
ServicingAssetAtAmortizedValue
300000000 USD
CY2020 us-gaap Servicing Asset At Amortized Value Amortization1
ServicingAssetAtAmortizedValueAmortization1
69000000 USD
CY2019 us-gaap Servicing Asset At Amortized Value Amortization1
ServicingAssetAtAmortizedValueAmortization1
70000000 USD
CY2019 us-gaap Impairment Of Intangible Assets Indefinitelived Excluding Goodwill
ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill
0 USD
CY2020 us-gaap Impairment Of Intangible Assets Indefinitelived Excluding Goodwill
ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill
0 USD
CY2018 us-gaap Impairment Of Intangible Assets Indefinitelived Excluding Goodwill
ImpairmentOfIntangibleAssetsIndefinitelivedExcludingGoodwill
0 USD
CY2017Q4 us-gaap Goodwill
Goodwill
14533000000 USD
CY2018 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
33000000 USD
CY2018 us-gaap Goodwill Written Off Related To Sale Of Business Unit
GoodwillWrittenOffRelatedToSaleOfBusinessUnit
17000000 USD
CY2018 us-gaap Goodwill Other Increase Decrease
GoodwillOtherIncreaseDecrease
-5000000 USD
CY2018Q4 us-gaap Goodwill
Goodwill
14544000000 USD
CY2019 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
107000000 USD
CY2019 us-gaap Goodwill Written Off Related To Sale Of Business Unit
GoodwillWrittenOffRelatedToSaleOfBusinessUnit
1000000 USD
CY2019 us-gaap Goodwill Other Increase Decrease
GoodwillOtherIncreaseDecrease
3000000 USD
CY2019Q4 us-gaap Goodwill
Goodwill
14653000000 USD
CY2020Q4 us-gaap Goodwill
Goodwill
14653000000 USD
CY2018 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
174000000 USD
CY2019 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
112000000 USD
CY2020 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
60000000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Next Rolling Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextRollingTwelveMonths
20000000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Rolling Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseRollingYearTwo
16000000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Rolling Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseRollingYearThree
13000000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Rolling Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseRollingYearFour
10000000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Rolling Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseRollingYearFive
9000000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Rolling After Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseRollingAfterYearFive
14000000 USD
CY2020Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
82000000 USD
CY2020Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
8993000000 USD
CY2019Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
9188000000 USD
CY2020Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
4706000000 USD
CY2019Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
4810000000 USD
CY2020Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
4287000000 USD
CY2019Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
4378000000 USD
CY2020 us-gaap Depreciation Nonproduction
DepreciationNonproduction
809000000 USD
CY2019 us-gaap Depreciation Nonproduction
DepreciationNonproduction
741000000 USD
CY2018 us-gaap Depreciation Nonproduction
DepreciationNonproduction
728000000 USD
CY2020Q4 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
1316000000 USD
CY2019Q4 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
1433000000 USD
CY2020Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
1688000000 USD
CY2019Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
1756000000 USD
CY2020Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P8Y8M12D
CY2019Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P8Y10M24D
CY2020Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.031
CY2019Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.033
CY2020 us-gaap Operating Lease Cost
OperatingLeaseCost
315000000 USD
CY2019 us-gaap Operating Lease Cost
OperatingLeaseCost
316000000 USD
CY2020 us-gaap Variable Lease Cost
VariableLeaseCost
43000000 USD
CY2019 us-gaap Variable Lease Cost
VariableLeaseCost
39000000 USD
CY2020 us-gaap Operating Lease Expense
OperatingLeaseExpense
358000000 USD
CY2019 us-gaap Operating Lease Expense
OperatingLeaseExpense
355000000 USD
CY2020 us-gaap Sublease Income
SubleaseIncome
26000000 USD
CY2019 us-gaap Sublease Income
SubleaseIncome
26000000 USD
CY2020 us-gaap Lease Cost
LeaseCost
332000000 USD
CY2019 us-gaap Lease Cost
LeaseCost
329000000 USD
CY2020 us-gaap Operating Lease Payments
OperatingLeasePayments
325000000 USD
CY2019 us-gaap Operating Lease Payments
OperatingLeasePayments
328000000 USD
CY2020 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
180000000 USD
CY2019 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
112000000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
296000000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
272000000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
250000000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
216000000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
180000000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
721000000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
1935000000 USD
CY2020Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
247000000 USD
CY2020Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
1688000000 USD
CY2020Q4 us-gaap Finance Lease Right Of Use Asset
FinanceLeaseRightOfUseAsset
69000000 USD
CY2019Q4 us-gaap Finance Lease Right Of Use Asset
FinanceLeaseRightOfUseAsset
96000000 USD
CY2020Q4 us-gaap Finance Lease Liability
FinanceLeaseLiability
75000000 USD
CY2020Q4 us-gaap Finance Lease Weighted Average Remaining Lease Term1
FinanceLeaseWeightedAverageRemainingLeaseTerm1
P4Y4M24D
CY2019Q4 us-gaap Finance Lease Liability
FinanceLeaseLiability
103000000 USD
CY2019Q4 us-gaap Finance Lease Weighted Average Remaining Lease Term1
FinanceLeaseWeightedAverageRemainingLeaseTerm1
P5Y10M24D
CY2020 cof Finance Lease Cost
FinanceLeaseCost
24000000 USD
CY2019 cof Finance Lease Cost
FinanceLeaseCost
27000000 USD
CY2020Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
31142000000 USD
CY2019Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
23488000000 USD
CY2020Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
274300000000 USD
CY2019Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
239209000000 USD
CY2020Q4 us-gaap Deposits
Deposits
305442000000 USD
CY2019Q4 us-gaap Deposits
Deposits
262697000000 USD
CY2020Q4 us-gaap Short Term Borrowings
ShortTermBorrowings
668000000 USD
CY2019Q4 us-gaap Short Term Borrowings
ShortTermBorrowings
7314000000 USD
CY2020Q4 us-gaap Long Term Debt And Capital Lease Obligations
LongTermDebtAndCapitalLeaseObligations
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CY2019Q4 us-gaap Long Term Debt And Capital Lease Obligations
LongTermDebtAndCapitalLeaseObligations
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CY2020Q4 us-gaap Debt And Capital Lease Obligations
DebtAndCapitalLeaseObligations
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CY2019Q4 us-gaap Debt And Capital Lease Obligations
DebtAndCapitalLeaseObligations
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CY2020Q4 us-gaap Time Deposits At Or Above Fdic Insurance Limit
TimeDepositsAtOrAboveFDICInsuranceLimit
4200000000 USD
CY2019Q4 us-gaap Time Deposits At Or Above Fdic Insurance Limit
TimeDepositsAtOrAboveFDICInsuranceLimit
6500000000 USD
CY2020Q4 cof Time Deposit Maturities With Contractual Maturity Dates Next Twelve Months
TimeDepositMaturitiesWithContractualMaturityDatesNextTwelveMonths
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CY2020Q4 cof Time Deposit Maturities With Contractual Maturity Dates Year Two
TimeDepositMaturitiesWithContractualMaturityDatesYearTwo
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CY2020Q4 cof Time Deposit Maturities With Contractual Maturity Dates Year Three
TimeDepositMaturitiesWithContractualMaturityDatesYearThree
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CY2020Q4 cof Time Deposit Maturities With Contractual Maturity Dates Year Four
TimeDepositMaturitiesWithContractualMaturityDatesYearFour
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CY2020Q4 cof Time Deposit Maturities With Contractual Maturity Dates Year Five
TimeDepositMaturitiesWithContractualMaturityDatesYearFive
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CY2020Q4 cof Time Deposit Maturities With Contractual Maturity Dates After Year Five
TimeDepositMaturitiesWithContractualMaturityDatesAfterYearFive
126000000 USD
CY2020Q4 cof Time Deposits With Contractual Maturity Dates
TimeDepositsWithContractualMaturityDates
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CY2020Q4 cof Time Deposits Maturities With Contractual Maturity Dates Debt Longtermand Shortterm Combined Amount Maturities Next Twelve Months
TimeDepositsMaturitiesWithContractualMaturityDatesDebtLongtermandShorttermCombinedAmountMaturitiesNextTwelveMonths
28278000000 USD
CY2020Q4 cof Time Deposits Maturities With Contractual Maturity Datesand Long Term Debt Maturities Year Two
TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearTwo
14590000000 USD
CY2020Q4 cof Time Deposits Maturities With Contractual Maturity Datesand Long Term Debt Maturities Year Three
TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearThree
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CY2020Q4 cof Time Deposits Maturities With Contractual Maturity Datesand Long Term Debt Maturities Year Four
TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearFour
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CY2020Q4 cof Time Deposits Maturities With Contractual Maturity Datesand Long Term Debt Maturities Year Five
TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesYearFive
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CY2020Q4 cof Time Deposits Maturities With Contractual Maturity Datesand Long Term Debt Maturities After Year Five
TimeDepositsMaturitiesWithContractualMaturityDatesandLongTermDebtMaturitiesAfterYearFive
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CY2020Q4 cof Time Deposits Maturities With Contractual Maturity Datesand Debt Longtermand Shortterm Combined Amount
TimeDepositsMaturitiesWithContractualMaturityDatesandDebtLongtermandShorttermCombinedAmount
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CY2020Q4 us-gaap Derivative Notional Amount
DerivativeNotionalAmount
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CY2020Q4 us-gaap Derivative Asset Fair Value Gross Asset Including Not Subject To Master Netting Arrangement
DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement
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CY2020Q4 us-gaap Derivative Liability Fair Value Gross Liability Including Not Subject To Master Netting Arrangement
DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement
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CY2019Q4 us-gaap Derivative Notional Amount
DerivativeNotionalAmount
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DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement
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CY2019Q4 us-gaap Derivative Liability Fair Value Gross Liability Including Not Subject To Master Netting Arrangement
DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement
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CY2020Q4 us-gaap Derivative Asset Fair Value Gross Liability And Obligation To Return Cash Offset
DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset
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CY2020Q4 us-gaap Derivative Liability Fair Value Gross Asset And Right To Reclaim Cash Offset
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CY2019Q4 us-gaap Derivative Asset Fair Value Gross Liability And Obligation To Return Cash Offset
DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset
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CY2019Q4 us-gaap Derivative Liability Fair Value Gross Asset And Right To Reclaim Cash Offset
DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset
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CY2020Q4 us-gaap Derivative Assets
DerivativeAssets
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CY2020Q4 us-gaap Derivative Liabilities
DerivativeLiabilities
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CY2019Q4 us-gaap Derivative Assets
DerivativeAssets
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CY2019Q4 us-gaap Derivative Liabilities
DerivativeLiabilities
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CY2020Q4 cof Derivative Credit Risk Valuation Adjustment Derivative Assets Liabilities
DerivativeCreditRiskValuationAdjustmentDerivativeAssetsLiabilities
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CY2019Q4 cof Derivative Credit Risk Valuation Adjustment Derivative Assets Liabilities
DerivativeCreditRiskValuationAdjustmentDerivativeAssetsLiabilities
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CY2020Q4 us-gaap Hedged Asset Discontinued Fair Value Hedge Cumulative Increase Decrease
HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease
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CY2019Q4 cof Amortized Costof Closed Prepayment Assets
AmortizedCostofClosedPrepaymentAssets
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CY2019Q4 cof Amortized Cost Of Closed Prepayable Assets Designated In Fair Value Hedges
AmortizedCostOfClosedPrepayableAssetsDesignatedInFairValueHedges
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CY2019Q4 cof Hedged Lola Assets Cumulative Basis Adjustment
HedgedLOLAAssetsCumulativeBasisAdjustment
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CY2020Q4 us-gaap Derivative Asset Fair Value Gross Asset Including Not Subject To Master Netting Arrangement
DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement
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CY2020Q4 us-gaap Derivative Asset Fair Value Gross Liability
DerivativeAssetFairValueGrossLiability
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CY2020Q4 us-gaap Derivative Asset Collateral Obligation To Return Cash Offset
DerivativeAssetCollateralObligationToReturnCashOffset
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CY2020Q4 us-gaap Derivative Assets
DerivativeAssets
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CY2020Q4 us-gaap Derivative Asset Fair Value Of Collateral
DerivativeAssetFairValueOfCollateral
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CY2020Q4 us-gaap Derivative Fair Value Of Derivative Asset Amount Offset Against Collateral
DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
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CY2019Q4 us-gaap Derivative Asset Fair Value Gross Asset Including Not Subject To Master Netting Arrangement
DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement
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CY2019Q4 us-gaap Derivative Asset Fair Value Gross Liability
DerivativeAssetFairValueGrossLiability
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CY2019Q4 us-gaap Derivative Asset Collateral Obligation To Return Cash Offset
DerivativeAssetCollateralObligationToReturnCashOffset
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CY2019Q4 us-gaap Derivative Assets
DerivativeAssets
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CY2019Q4 us-gaap Derivative Asset Fair Value Of Collateral
DerivativeAssetFairValueOfCollateral
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CY2019Q4 us-gaap Derivative Fair Value Of Derivative Asset Amount Offset Against Collateral
DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral
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CY2020Q4 us-gaap Derivative Liability Fair Value Gross Liability Including Not Subject To Master Netting Arrangement
DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement
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CY2020Q4 us-gaap Derivative Liability Fair Value Gross Asset
DerivativeLiabilityFairValueGrossAsset
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CY2020Q4 us-gaap Derivative Liability Collateral Right To Reclaim Cash Offset
DerivativeLiabilityCollateralRightToReclaimCashOffset
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CY2020Q4 us-gaap Derivative Liabilities
DerivativeLiabilities
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CY2020Q4 us-gaap Derivative Liability Fair Value Of Collateral
DerivativeLiabilityFairValueOfCollateral
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CY2020Q4 us-gaap Derivative Fair Value Of Derivative Liability Amount Offset Against Collateral
DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral
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CY2020Q4 us-gaap Securities Sold Under Agreements To Repurchase Gross
SecuritiesSoldUnderAgreementsToRepurchaseGross
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CY2020Q4 us-gaap Securities Sold Under Agreements To Repurchase Asset
SecuritiesSoldUnderAgreementsToRepurchaseAsset
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CY2020Q4 cof Repurchase Agreement Collateral Right To Reclaim Cash Offset
RepurchaseAgreementCollateralRightToReclaimCashOffset
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CY2020Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
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CY2020Q4 us-gaap Securities Sold Under Agreements To Repurchase Collateral Right To Reclaim Securities
SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities
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CY2020Q4 us-gaap Securities Sold Under Agreements To Repurchase Amount Offset Against Collateral
SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral
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CY2019Q4 us-gaap Derivative Liability Fair Value Gross Liability Including Not Subject To Master Netting Arrangement
DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement
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CY2019Q4 us-gaap Derivative Liability Fair Value Gross Asset
DerivativeLiabilityFairValueGrossAsset
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CY2019Q4 us-gaap Derivative Liability Collateral Right To Reclaim Cash Offset
DerivativeLiabilityCollateralRightToReclaimCashOffset
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CY2019Q4 us-gaap Derivative Liabilities
DerivativeLiabilities
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CY2019Q4 us-gaap Derivative Liability Fair Value Of Collateral
DerivativeLiabilityFairValueOfCollateral
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CY2019Q4 us-gaap Derivative Fair Value Of Derivative Liability Amount Offset Against Collateral
DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral
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CY2019Q4 us-gaap Securities Sold Under Agreements To Repurchase Gross
SecuritiesSoldUnderAgreementsToRepurchaseGross
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CY2019Q4 us-gaap Securities Sold Under Agreements To Repurchase Asset
SecuritiesSoldUnderAgreementsToRepurchaseAsset
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CY2019Q4 cof Repurchase Agreement Collateral Right To Reclaim Cash Offset
RepurchaseAgreementCollateralRightToReclaimCashOffset
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CY2019Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
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CY2019Q4 us-gaap Securities Sold Under Agreements To Repurchase Collateral Right To Reclaim Securities
SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities
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CY2019Q4 us-gaap Securities Sold Under Agreements To Repurchase Amount Offset Against Collateral
SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral
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CY2020Q4 us-gaap Derivative Collateral Obligation To Return Cash
DerivativeCollateralObligationToReturnCash
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CY2019Q4 us-gaap Derivative Collateral Obligation To Return Cash
DerivativeCollateralObligationToReturnCash
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CY2019Q4 us-gaap Derivative Collateral Obligation To Return Securities
DerivativeCollateralObligationToReturnSecurities
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CY2020Q4 us-gaap Derivative Collateral Obligation To Return Securities
DerivativeCollateralObligationToReturnSecurities
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CY2020Q4 us-gaap Derivative Collateral Right To Reclaim Cash
DerivativeCollateralRightToReclaimCash
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CY2019Q4 us-gaap Derivative Collateral Right To Reclaim Cash
DerivativeCollateralRightToReclaimCash
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CY2020Q4 us-gaap Securities Sold Under Agreements To Repurchase Fair Value Of Collateral
SecuritiesSoldUnderAgreementsToRepurchaseFairValueOfCollateral
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CY2019Q4 us-gaap Securities Sold Under Agreements To Repurchase Fair Value Of Collateral
SecuritiesSoldUnderAgreementsToRepurchaseFairValueOfCollateral
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CY2020 us-gaap Interest And Dividend Income Securities
InterestAndDividendIncomeSecurities
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CY2020 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
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CY2020 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
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CY2020 us-gaap Interest Expense Deposits
InterestExpenseDeposits
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CY2020 cof Interest Expense Secured Debt
InterestExpenseSecuredDebt
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CY2020 cof Interest Expense Unsecured Debt
InterestExpenseUnsecuredDebt
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CY2020 us-gaap Noninterest Income Other
NoninterestIncomeOther
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CY2019 us-gaap Interest And Dividend Income Securities
InterestAndDividendIncomeSecurities
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CY2019 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
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CY2019 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
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CY2019 us-gaap Interest Expense Deposits
InterestExpenseDeposits
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CY2019 cof Interest Expense Secured Debt
InterestExpenseSecuredDebt
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CY2019 cof Interest Expense Unsecured Debt
InterestExpenseUnsecuredDebt
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CY2019 us-gaap Noninterest Income Other
NoninterestIncomeOther
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CY2018 us-gaap Interest And Dividend Income Securities
InterestAndDividendIncomeSecurities
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CY2018 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
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CY2018 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
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CY2018 us-gaap Interest Expense Deposits
InterestExpenseDeposits
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CY2018 cof Interest Expense Secured Debt
InterestExpenseSecuredDebt
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CY2018 cof Interest Expense Unsecured Debt
InterestExpenseUnsecuredDebt
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CY2018 us-gaap Noninterest Income Other
NoninterestIncomeOther
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CY2020 cof Amortizationofbasisadjustment
Amortizationofbasisadjustment
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CY2019 cof Amortizationofbasisadjustment
Amortizationofbasisadjustment
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CY2018 cof Amortizationofbasisadjustment
Amortizationofbasisadjustment
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CY2020 us-gaap Cash Flow Hedge Gain Loss To Be Reclassified Within Twelve Months
CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths
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CY2020 us-gaap Maximum Length Of Time Hedged In Cash Flow Hedge1
MaximumLengthOfTimeHedgedInCashFlowHedge1
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CY2020Q4 us-gaap Preferred Stock Including Additional Paid In Capital Net Of Discount
PreferredStockIncludingAdditionalPaidInCapitalNetOfDiscount
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CY2019Q4 us-gaap Preferred Stock Including Additional Paid In Capital Net Of Discount
PreferredStockIncludingAdditionalPaidInCapitalNetOfDiscount
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CY2019Q4 cof Other Comprehensive Income Loss Transfer Of Securities Held To Maturity Net Of Tax
OtherComprehensiveIncomeLossTransferOfSecuritiesHeldToMaturityNetOfTax
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CY2020 us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent
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CY2020 us-gaap Other Comprehensive Income Availableforsale Securities Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent
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CY2020 us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent
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CY2019 us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent
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CY2019 us-gaap Other Comprehensive Income Availableforsale Securities Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent
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CY2019 us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent
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CY2018 us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent
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CY2018 us-gaap Other Comprehensive Income Availableforsale Securities Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent
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CY2018 us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent
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CY2020 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
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CY2020 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax
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CY2020 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax
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CY2019 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
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CY2019 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax
244000000 USD
CY2019 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax
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CY2018 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
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CY2018 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax
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CY2018 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax
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CY2020 us-gaap Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentBeforeTaxPortionAttributableToParent
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CY2020 us-gaap Other Comprehensive Income Foreign Currency Translation Adjustment Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentTaxPortionAttributableToParent
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CY2020 us-gaap Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent
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CY2019 us-gaap Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentBeforeTaxPortionAttributableToParent
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CY2019 us-gaap Other Comprehensive Income Foreign Currency Translation Adjustment Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentTaxPortionAttributableToParent
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CY2019 us-gaap Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent
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CY2018 us-gaap Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent
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CY2020 cof Other Comprehensive Income Loss Securities Transferred To Held To Maturity Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentBeforeTaxPortionAttributableToParent
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CY2018 us-gaap Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentBeforeTaxPortionAttributableToParent
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CY2018 us-gaap Other Comprehensive Income Foreign Currency Translation Adjustment Tax Portion Attributable To Parent
OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentTaxPortionAttributableToParent
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CY2020 cof Other Comprehensive Income Loss Securities Transferred To Held To Maturity Adjustment Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentTaxPortionAttributableToParent
0 USD
CY2020 cof Other Comprehensive Income Loss Securities Transferred To Held To Maturity Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentNetOfTaxPortionAttributableToParent
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CY2019 cof Other Comprehensive Income Loss Securities Transferred To Held To Maturity Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentBeforeTaxPortionAttributableToParent
36000000 USD
CY2019 cof Other Comprehensive Income Loss Securities Transferred To Held To Maturity Adjustment Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentTaxPortionAttributableToParent
10000000 USD
CY2019 cof Other Comprehensive Income Loss Securities Transferred To Held To Maturity Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentNetOfTaxPortionAttributableToParent
26000000 USD
CY2018 cof Other Comprehensive Income Loss Securities Transferred To Held To Maturity Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentBeforeTaxPortionAttributableToParent
588000000 USD
CY2018 cof Other Comprehensive Income Loss Securities Transferred To Held To Maturity Adjustment Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentTaxPortionAttributableToParent
141000000 USD
CY2018 cof Other Comprehensive Income Loss Securities Transferred To Held To Maturity Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossSecuritiesTransferredToHeldToMaturityAdjustmentNetOfTaxPortionAttributableToParent
447000000 USD
CY2020 cof Other Comprehensive Income Loss Before Tax Attributable To Parent
OtherComprehensiveIncomeLossBeforeTaxAttributableToParent
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CY2020 cof Other Comprehensive Income Loss Other Tax Attributable To Parent
OtherComprehensiveIncomeLossOtherTaxAttributableToParent
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CY2020 cof Other Comprehensive Income Other Net Of Tax Attributable To Parent
OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent
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CY2018 cof Other Comprehensive Income Loss Other Tax Attributable To Parent
OtherComprehensiveIncomeLossOtherTaxAttributableToParent
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CY2019 cof Other Comprehensive Income Loss Before Tax Attributable To Parent
OtherComprehensiveIncomeLossBeforeTaxAttributableToParent
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CY2019 cof Other Comprehensive Income Loss Other Tax Attributable To Parent
OtherComprehensiveIncomeLossOtherTaxAttributableToParent
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CY2019 cof Other Comprehensive Income Other Net Of Tax Attributable To Parent
OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent
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CY2018 cof Other Comprehensive Income Loss Before Tax Attributable To Parent
OtherComprehensiveIncomeLossBeforeTaxAttributableToParent
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CY2018 cof Other Comprehensive Income Other Net Of Tax Attributable To Parent
OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent
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CY2020 us-gaap Other Comprehensive Income Loss Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent
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CY2020 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
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CY2020 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
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CY2019 us-gaap Other Comprehensive Income Loss Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent
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CY2019 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
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CY2019 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
1531000000 USD
CY2018 us-gaap Other Comprehensive Income Loss Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent
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CY2018 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
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CY2018 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
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CY2020Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
40736000000 USD
CY2020Q4 cof Common Equity Tier One Capitalto Risk Weighted Assets
CommonEquityTierOneCapitaltoRiskWeightedAssets
0.137
CY2020Q4 cof Tier One Common Capital Requiredfor Capital Adequacyto Risk Weighted Assets
TierOneCommonCapitalRequiredforCapitalAdequacytoRiskWeightedAssets
0.045
CY2019Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
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CY2019Q4 cof Common Equity Tier One Capitalto Risk Weighted Assets
CommonEquityTierOneCapitaltoRiskWeightedAssets
0.122
CY2019Q4 cof Tier One Common Capital Requiredfor Capital Adequacyto Risk Weighted Assets
TierOneCommonCapitalRequiredforCapitalAdequacytoRiskWeightedAssets
0.045
CY2020Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
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CY2020Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.153
CY2020Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.060
CY2020Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.060
CY2019Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
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CY2019Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.137
CY2019Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.060
CY2019Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.060
CY2020Q4 us-gaap Capital
Capital
52788000000 USD
CY2019Q4 cof Tieronecapitalunder Basel Ii Istandardizedapproach
TieronecapitalunderBaselIIIstandardizedapproach
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CY2019Q4 us-gaap Supplementary Leverage Ratio
SupplementaryLeverageRatio
0.099
CY2020Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.177
CY2020Q4 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.080
CY2020Q4 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
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CY2019Q4 us-gaap Capital
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CY2019Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.161
CY2019Q4 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.080
CY2019Q4 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
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CY2020Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
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CY2020Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.112
CY2020Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
0.040
CY2019Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
43015000000 USD
CY2019Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.117
CY2019Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
0.040
CY2020Q4 cof Tieronecapitalunder Basel Ii Istandardizedapproach
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CY2020Q4 us-gaap Supplementary Leverage Ratio
SupplementaryLeverageRatio
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CY2020Q4 cof Minimum Capital Adequacyfor Supplementary Leverage Ratio
MinimumCapitalAdequacyforSupplementaryLeverageRatio
0.030
CY2019Q4 cof Minimum Capital Adequacyfor Supplementary Leverage Ratio
MinimumCapitalAdequacyforSupplementaryLeverageRatio
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CY2020 us-gaap Income Loss From Continuing Operations
IncomeLossFromContinuingOperations
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CY2019 us-gaap Income Loss From Continuing Operations
IncomeLossFromContinuingOperations
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CY2018 us-gaap Income Loss From Continuing Operations
IncomeLossFromContinuingOperations
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-3000000 USD
CY2019 us-gaap Income Loss From Discontinued Operations Net Of Tax Attributable To Reporting Entity
IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity
13000000 USD
CY2018 us-gaap Income Loss From Discontinued Operations Net Of Tax Attributable To Reporting Entity
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CY2020 us-gaap Net Income Loss
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CY2019 us-gaap Net Income Loss
NetIncomeLoss
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CY2018 us-gaap Net Income Loss
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ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic
20000000 USD
CY2019 cof Participating Securities Distributedand Undistributed Earnings Lossexcluding Preferred Stock Dividends Basic
ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic
41000000 USD
CY2018 cof Participating Securities Distributedand Undistributed Earnings Lossexcluding Preferred Stock Dividends Basic
ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic
40000000 USD
CY2020 us-gaap Preferred Stock Dividends Income Statement Impact
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280000000 USD
CY2019 us-gaap Allocated Share Based Compensation Expense
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CY2018 us-gaap Allocated Share Based Compensation Expense
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CY2019 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
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50000000 USD
CY2019 us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
282000000 USD
CY2018 us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
265000000 USD
CY2020 cof Issuance Cost For Preferred Stock Redeemed
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39000000 USD
CY2019 cof Issuance Cost For Preferred Stock Redeemed
IssuanceCostForPreferredStockRedeemed
31000000 USD
CY2018 cof Issuance Cost For Preferred Stock Redeemed
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CY2020 us-gaap Net Income Loss Available To Common Stockholders Basic
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2375000000 USD
CY2019 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
5192000000 USD
CY2018 us-gaap Net Income Loss Available To Common Stockholders Basic
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5710000000 USD
CY2020 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
457800000 shares
CY2019 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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CY2018 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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CY2020 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
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CY2019 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
1300000 shares
CY2018 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
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CY2020 us-gaap Incremental Common Shares Attributable To Contingently Issuable Shares
IncrementalCommonSharesAttributableToContingentlyIssuableShares
500000 shares
CY2019 us-gaap Incremental Common Shares Attributable To Contingently Issuable Shares
IncrementalCommonSharesAttributableToContingentlyIssuableShares
1000000.0 shares
CY2018 us-gaap Incremental Common Shares Attributable To Contingently Issuable Shares
IncrementalCommonSharesAttributableToContingentlyIssuableShares
1100000 shares
CY2020 us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
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CY2019 us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
0.0 shares
CY2018 us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
500000 shares
CY2020 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
1100000 shares
CY2019 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
2300000 shares
CY2018 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
3200000 shares
CY2020 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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CY2019 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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CY2018 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
483100000 shares
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5.20
CY2019 us-gaap Income Loss From Continuing Operations Per Basic Share
IncomeLossFromContinuingOperationsPerBasicShare
11.07
CY2018 us-gaap Income Loss From Continuing Operations Per Basic Share
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11.92
CY2020 us-gaap Income Loss From Discontinued Operations Net Of Tax Per Basic Share
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CY2019 us-gaap Income Loss From Discontinued Operations Net Of Tax Per Basic Share
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CY2018 us-gaap Income Loss From Discontinued Operations Net Of Tax Per Basic Share
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CY2020 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
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5.19
CY2019 us-gaap Earnings Per Share Basic
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11.10
CY2018 us-gaap Earnings Per Share Basic
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11.90
CY2020 us-gaap Income Loss From Continuing Operations Per Diluted Share
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CY2019 us-gaap Income Loss From Continuing Operations Per Diluted Share
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CY2018 us-gaap Income Loss From Continuing Operations Per Diluted Share
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CY2020 us-gaap Income Loss From Discontinued Operations Net Of Tax Per Diluted Share
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CY2019 us-gaap Income Loss From Discontinued Operations Net Of Tax Per Diluted Share
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CY2018 us-gaap Income Loss From Discontinued Operations Net Of Tax Per Diluted Share
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CY2020 us-gaap Earnings Per Share Diluted
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5.18
CY2019 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
11.05
CY2018 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
11.82
CY2020Q4 cof Numberof Active Stock Plans
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55000000 shares
CY2020Q4 us-gaap Common Stock Capital Shares Reserved For Future Issuance
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DefinedContributionPlanCostRecognized
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CY2019 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
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CY2020Q4 us-gaap Defined Benefit Plan Fair Value Of Plan Assets
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280000000 USD
CY2019Q4 us-gaap Defined Benefit Plan Fair Value Of Plan Assets
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CY2020 us-gaap Current Federal Tax Expense Benefit
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CY2019 us-gaap Current Federal Tax Expense Benefit
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CY2018 us-gaap Current Federal Tax Expense Benefit
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210000000 USD
CY2020 us-gaap Current State And Local Tax Expense Benefit
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370000000 USD
CY2019 us-gaap Current State And Local Tax Expense Benefit
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CY2020 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
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CurrentIncomeTaxExpenseBenefit
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CY2019 cof Us Gaap Other Comprehensive Income Loss Tax Including Ht Mportfolio Transfer
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727000000 USD
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CY2019 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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0.210
CY2018 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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0.210
CY2020 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
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0.035
CY2019 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
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0.031
CY2018 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
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0.032
CY2020 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense
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0.032
CY2019 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense
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0.016
CY2018 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense
EffectiveIncomeTaxRateReconciliationNondeductibleExpense
0.022
CY2020 us-gaap Effective Income Tax Rate Reconciliation Tax Credits
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0.114
CY2019 us-gaap Effective Income Tax Rate Reconciliation Tax Credits
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CY2018 us-gaap Effective Income Tax Rate Reconciliation Tax Credits
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CY2020 us-gaap Effective Income Tax Rate Reconciliation Foreign Income Tax Rate Differential
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CY2019 us-gaap Effective Income Tax Rate Reconciliation Foreign Income Tax Rate Differential
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-0.008
CY2018 us-gaap Effective Income Tax Rate Reconciliation Foreign Income Tax Rate Differential
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CY2020 cof Effective Income Tax Rate Reconciliation Irs Method Changes Percent
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0.000
CY2019 cof Effective Income Tax Rate Reconciliation Irs Method Changes Percent
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CY2020 us-gaap Effective Income Tax Rate Reconciliation Change In Deferred Tax Assets Valuation Allowance
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-0.003
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0.003
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CY2018 us-gaap Noninterest Income
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1148000000 USD
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633000000 USD
CY2019Q4 us-gaap Derivative Asset Fair Value Gross Liability And Obligation To Return Cash Offset
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633000000 USD
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523000000 USD
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CY2019Q4 cof Derivative Credit Risk Valuation Adjustment Derivative Assets Liabilities
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FairValueRMBSCumulativeEffectsfromtheAdoptionoftheCECLStandard
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CY2020 us-gaap Number Of Operating Segments
NumberOfOperatingSegments
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CY2020 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
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NoninterestIncome
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CY2020 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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CY2020 us-gaap Income Tax Expense Benefit
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CY2020 us-gaap Income Loss From Continuing Operations
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CY2019 us-gaap Noninterest Income
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CY2019 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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CY2019 us-gaap Income Tax Expense Benefit
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CY2019Q4 us-gaap Notes Receivable Gross
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CY2018 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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CY2018 us-gaap Income Tax Expense Benefit
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CY2018 us-gaap Income Loss From Continuing Operations
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CY2020 cof Uncollectible Portionof Billed Finance Chargesand Fees
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CY2019Q4 cof Letterof Credit Issued Contractual Amountand Unused Commitmentto Extend Credit
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CY2019Q4 cof Off Balance Sheet Lending Commitment Carrying Value
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CY2020Q4 us-gaap Loss Contingency Estimate Of Possible Loss
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CY2019 us-gaap Deferred Federal Income Tax Expense Benefit
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CY2018 us-gaap Deferred Federal Income Tax Expense Benefit
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CY2020 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
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CY2019 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
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CY2018 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
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CY2020 us-gaap Deferred Foreign Income Tax Expense Benefit
DeferredForeignIncomeTaxExpenseBenefit
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CY2019 us-gaap Deferred Foreign Income Tax Expense Benefit
DeferredForeignIncomeTaxExpenseBenefit
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CY2018 us-gaap Deferred Foreign Income Tax Expense Benefit
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CY2020 us-gaap Deferred Income Tax Expense Benefit
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CY2019 us-gaap Deferred Income Tax Expense Benefit
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CY2019 us-gaap Income Loss From Continuing Operations Before Income Taxes Foreign
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CY2018 us-gaap Income Loss From Continuing Operations Before Income Taxes Foreign
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382000000 USD

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