Fifth Third Bancorp : FR Y9-C

April 08, 2020 at 09:58 am EDT

FR Y-9C

OMB Number 7100-0128

Approval expires December 31, 2022

Page 1 of 71

Board of Governors of the Federal Reserve System

Consolidated Financial Statements for

Holding Companies-FRY-9C

Report at the close of business as of the last calendar day of the quarter

This Report is required by law: Section 5(c) of the BHC Act (12 U.S.C. § 1844( c)),

section 10 of Home Owners' Loan Act (HOLA) (12 U.S.C. § 1467a(b)), section 618 of the Dodd-Frank Act (12 U.S.C. § 1850a(c)(1)),

section 165 of the Dodd-Frank Act (12 U.S.C. § 5365), and section 252.153(b)

(2)

of Regulation YY (12 CFR 252.153(b)(2)).

This report form is to be filed by holding companies with total consolidated assets of $3 billion or more. In addition, holding companies meeting certain criteria must file this report (FR Y-9C)

regardless of size. See page 1 of the general instructions for further information. However, when such holding companies own or control, or are owned or controlled by, other holding companies, only the top-tier holding company must file this report for the consolidated holding company organization. The Federal Reserve may not conduct or sponsor, and an organization (or a person) is not required to respond to, a collection of information unless it displays a currently valid OMB control number.

NOTE: Each holding company's board of directors and senior man-	Date of Report:	December 31, 2019
agement are responsible for establishing and maintaining an effec-		Month / Day / Year (BHCK 9999)
tive system of internal control, including controls over the
Consolidated Financial Statements for Holding Companies. The
Consolidated Financial Statements for Holding Companies is to be
prepared in accordance with instructions provided by the Federal
Reserve System. The Consolidated Financial Statements for Holding
Companies must be signed and attested by the Chief Financial
Officer (CFO) of the reporting holding company (or by the individual
performing this equivalent function).
I, the undersigned CFO (or equivalent) of the named holding
company, attest that the Consolidated Financial Statements for
Holding Companies (including the supporting schedules) for this
report date have been prepared in conformance with the instruc-
tions issued by the Federal Reserve System and are true and
correct to the best of my knowledge and belief.
Tayfun Tuzun, EVP and CFO	Fifth Third Bancorp

Printed Name of Chief Financial Officer (or Equivalent) (BHCK C490)

Signature of Chief Financial Officer (or Equivalent)(BHCK H321)

Legal Title of Holding Company (RSSD 9017)

38 Fountain Square Plaza

(Mailing Address of the Holding Company) Street / PO Box (RSSD 9110)

02/14/2020

Cincinnati

45263

Date of Signature (MM/DD/YYYY) (BHTX J196)

City (RSSD 9130)

State (RSSD 9200)

Zip Code (RSSD 9220)

Person to whom questions about this report should be directed:

Alex Gose , Regulatory Reporting Manager

For Federal Reserve Bank Use Only

Name / Title (BHTX 8901)

513-534-5390

RSSD ID

Area Code / Phone Number (BHTX 8902)

513-534-3614

C.I.

S.F.

Area Code / FAX Number (BHTX 9116)

william.gose@53.com

E-mail Address of Contact (BHTX 4086)

Holding companies must maintain in their files a manually signed and attested printout of the data submitted.

Public reporting burden for this information collection is estimated to vary from 5 to 1,250 hours per response, with an average of 46.34 hours per response for non-Advanced

Approaches HCs with $5 billion or more and an average of 40.48 hours per response for non-Advanced Approaches HCs with less than $5 billion in total assets and 47.59 hours for Advanced Approaches HCs, including time to gather and maintain data in the required form and to review instructions and complete the information collection. Comments regarding this burden estimate or any other aspect of this information collection, including suggestions for reducing the burden, may be sent to Secretary, Board of Governors of the Federal Reserve System, 20th and

C Streets, NW, Washington, DC 20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0128), Washington, DC 20503.

For Federal Reserve Bank Use Only	FR Y-9C
		Page 2 of 71
RSSD ID	_____________________
S.F.	_____

Report of Income for Holding Companies

Report all Schedules of the Report of Income on a calendar year-to-date basis.

Schedule HI-Consolidated Income Statement

				Dollar Amounts in Thousands	BHCK
1.	Interest income
	a.	Interest and fee income on loans:
		(1)	In domestic offices:
			(a) Loans secured by 1-4 family residential properties ......................................................	4435	933,071	1.a.(1)(a)

			(b)	All other loans secured by real estate ..........................................................................	4436	800,474	1.a.(1)(b)
			(c)	All other loans ..............................................................................................................	F821	3,231,962	1.a.(1)(c)

		(2)	In foreign offices, Edge and Agreement subsidiaries, and IBFs ..........................................	4059	19,060	1.a.(2)

	b.	Income from lease financing receivables ..................................................................................	4065	132,612	1.b.

	c.	Interest income on balances due from depository institutions [1] ..............................................	4115	40,513	1.c.
	d.	Interest and dividend income on securities:
		(1)	U.S. Treasury securities and U.S. government agency obligations
			(excluding mortgage-backed securities) .............................................................................	B488	3,917	1.d.(1)
		(2)	Mortgage-backed securities ................................................................................................	B489	1,032,646	1.d.(2)

		(3)	All other securities ..............................................................................................................	4060	88,068	1.d.(3)

	e. Interest income from trading assets [2] .....................................................................................	4069	20,498	1.e.
	f.	Interest income on federal funds sold and securities purchased under agreements
		to resell	.....................................................................................................................................	4020	34	1.f.

	g.	Other interest income ...............................................................................................................	4518	17,018	1.g.

	h.	Total interest income (sum of items 1.a through 1.g) ................................................................	4107	6,319,873	1.h.
2.	Interest expense
	a.	Interest on deposits:
		(1)	In domestic offices:
			(a)	Time deposits of $250,000 or less......................................................................	HK03	182,238	2.a.(1)(a)
			(b)	Time deposits of more than $250,000.................................................................	HK04	12,451	2.a.(1)(b)

			(c)	Other deposits .............................................................................................................	6761	690,326	2.a.(1)(c)

		(2)	In foreign offices, Edge and Agreement subsidiaries, and IBFs ..........................................	4172	7,309	2.a.(2)
	b. Expense on federal funds purchased and securities sold under agreements to repurchase ......	4180	34,463	2.b.
	c.	Interest on trading liabilities and other borrowed money [2]
		(excluding subordinated notes and debentures) ........................................................................	4185	398,780	2.c.
	d.	Interest on subordinated notes and debentures and on mandatory convertible

		securities [2] .............................................................................................................................	4397	131,159	2.d.

	e. Other interest expense ..............................................................................................................	4398	0	2.e.

	f. Total interest expense (sum of items 2.a through 2.e) ...............................................................	4073	1,456,726	2.f.
3.	Net interest income (item 1.h minus item 2.f) ..................................................................................	4074	4,863,147	3.
4. Provision for loan and lease losses [3] ..................................................................................	JJ33	467,611	4.
5.	Noninterest income:

	a. Income from fiduciary activities .................................................................................................	4070	315,208	5.a.
	b.	Service charges on deposit accounts in domestic offices .........................................................	4483	582,662	5.b.

	c. Trading revenue [2,4] ................................................................................................................	A220	289,215	5.c.

	d.	Holding companies with less than $5 billion in total assets should report data items 5.d.(6)
	and 5.d.(7) only and leave 5.d.(1) through 5.d.(5) blank.

		(1)	Fees and commissions from securities brokerage...............................................................	C886	42,083	5.d.(1)

		(2)	Investment banking, advisory, and underwriting fees and commissions..............................	C888	176,930	5.d.(2)

		(3)	Fees and commissions from annuity sales..........................................................................	C887	26,747	5.d.(3)

		(4)	Underwriting income from insurance and reinsurance activities...........................................	C386	0	5.d.(4)
		(5)	Income from other insurance activities................................................................................	C387	35,500	5.d.(5)
			Fees and commissions from securities brokerage, investment banking, advisory and
		(6)	KX46	0	5.d.(6)
		underwriting fees and commissions

		(7)	Income from insurance activities. [5]	KX47	0	5.d.(7)

	e.	Venture capital revenue [2] .......................................................................................................	B491	65,060	5.e.
	f.	Net servicing fees......................................................................................................................	B492	-110,353	5.f.

	g.	Net securitization income [2] .....................................................................................................	B493	0	5.g.

						1,423,052

Includes interest income on time certificates of deposit not held for trading.
To be completed by holding companies with $5 billion or more in total assets (Asset-size test is based on the prior year June 30
report date). Income and or expenses pertaining to these items should be reported in the ''other'' categories 1.g.2.e, and 5.l, respectively by holding companies with less than $5 billion in total assets.
Institutions that have adopted ASU2016-13 should report in item 4, the provisions for credit losses for all financial assets that fall within the scope of the standard.
For holding companies required to complete Schedule HI, memoranda item 9, trading revenue reported in Schedule HI, item 5.c must equal the sum of memoranda items 9.a through 9.e.
Includes underwriting income from insurance and reinsurance activities.

Asset-sizetest is based on the total assets reported as of prior year June 30 report date.

Memoranda

					FR Y-9C
					Page 3 of 71
Schedule HI-Continued
		Dollar Amounts in Thousands	BHCK
5.	h.	Not applicable
	i. Net gains (losses) on sales of loans and leases .............................................................................	8560	91,787	5.i.

	j. Net gains (losses) on sales of other real estate owned ...................................................................	8561	-2,752	5.j.

	k.	Net gains (losses) on sales of other assets [3]................................................................................	B496	38,966	5.k

	l.	Other noninterest income [4]............................................................................................................	B497	1,880,782	5.l
	m.	Total noninterest income (sum of items 5.a through 5.l)..................................................................	4079	3,431,835	5.m

6.	a.	Realized gains (losses) on held-to-maturity securities ....................................................................	3521	0	6.a.

	b. Realized gains (losses) on available-for-sale securities ..................................................................	3196	9,414	6.b.

7.	Noninterest expense:
	a.	Salaries and employee benefits.......................................................................................................	4135	2,435,220	7.a.

	b.	Expenses of premises and fixed assets (net of rental income)
		(excluding salaries and employee benefits and mortgage interest) ................................................	4217	460,967	7.b.
	c.	(1) Goodwill impairment losses.....................................................................................................	C216	0	7.c.(1)

		(2) Amortization expense and impairment losses for other intangible assets...............................	C232	44,911	7.c.(2)

	d.	Other noninterest expense [5]..........................................................................................................	4092	1,706,030	7.d.

	e. Total noninterest expense (sum of items 7.a through 7.d)...............................................................	4093	4,647,128	7.e.

8.	a.	Income (loss) before unrealized holding gains (losses) on equity securities
		not held for trading, applicable income taxes, and discontinued
		operations (sum of items 3, 5.m, 6.a, 6.b, minus items 4 and 7.e)……………………………………	HT69	3,189,657	8.a.
	b.	Unrealized holding gains (losses) on equity securities not held for trading[6]………………………	HT70	12,669	8.b.
	c.	Income (loss) before applicable income taxes and discontinued
		operations (sum of items 8.a and 8.b)……………………………………………………………………	4301	3,202,326	8.c.

9.	Applicable income taxes (foreign and domestic)...............................................................	4302	690,593	9.

10.	Income (loss) before discontinued operations (item 8.c. minus item 9).......................................	4300	2,511,733	10.

11.	Discontinued operations, net of applicable income taxes[7]..................................................	FT28	0	11.

12.	Net income (loss) attributable to holding company and noncontrolling
	(minority) interests (sum of items 10 and 11) ........................................................................................	G104	2,511,733	12.
13.	LESS: Net income (loss) attributable to noncontrolling (minority) interests
	(if net income, report as a positive value; if net loss, report as a negative value) .................................	G103	44	13.

14.	Net income (loss) attributable to holding company (item 12 minus item 13) ........................................	4340	2,511,689	14.

Exclude net gains(losses) on sales of trading assets andheld-to-maturity and available-for-sale-securities
See Schedule HI, memoranda item 6.
See Schedule HI, memoranda item 7.
Item 8.b is to be completed only by holding companies that have adopted ASU 2016-01, which includes provisions governing
the accounting for investments in equity securities. See the instructions for further detail on ASU2016-01.
Describe on Schedule HI, memoranda item 8.

		Dollar Amounts in Thousands	BHCK
	Memo Items 1 and 2 are to be reported by holding companies with $5 billion or more in total assets.[
	1]
1.	Net interest income (item 3 above) on a fully taxable equivalent basis..................................................	4519	4,880,348	M.1.

2.	Net income before applicable income taxes, and discontinued operations (item 8.c. above)
	on a fully taxable equivalent basis.................................................................................	4592	3,219,528	M.2.

3.	Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
	(included in Schedule HI, items 1.a and 1.b, above)..............................................................................	4313	64,266	M.3.

4.	Income on tax-exempt securities issued by states and political subdivisions in the U.S.
	(included in Schedule HI, item 1.d.(3), above).......................................................................................	4507	1,352	M.4.


5.	Number of full-time equivalent employees at end of current period	BHCK	Number

	(round to nearest whole number)...........................................................................................................	4150	19,869	M.5.
	Memo Items 6.a through 6.j are to be completed annually on a calendar year-to-date basis in the

	December report only by holding companies with less than $5 billion in total assets. Holding
	companies $5 billion or more in total assets should report these items on a quarterly basis. [1]
6.	Other noninterest income (from Schedule HI, item 5.l, above) (only report amounts greater

	than $100,000 that exceed 7 percent of Schedule HI, item 5.l):	BHCK
	a. Income and fees from the printing and sale of checks.....................................................................	C013	0	M.6.a.

	b. Earnings on/increase in value of cash surrender value of life insurance.........................................	C014	0	M.6.b.

	c. Income and fees from automated teller machines (ATMs)...............................................................	C016	0	M.6.c.

					FR Y-9C
					Page 4 of 71
Schedule HI-Continued
Memoranda-Continued
		Dollar Amounts in Thousands	BHCK
6. d.	Rent and other income from other real estate owned............................................................	4042	0	M.6.d.
	Safe deposit box rent
e.	C015	0	M.6.e.
	......

f. Bank card and credit card interchange fees ...............................................................................	F555	315,064	M.6.f.

g. Income and fees from wire transfers..........................................................................	T047	0	M.6.g.

	TEXT	Gain related to Worldpay, Inc. activities
h.	8562		8562	561,999	M.6.h.

	TEXT	Gain on MSR Hedges
i.	8563		8563	221,562	M.6.i.

	TEXT	See Notes to Income Statement 4 to 7
j.	8564		8564	677,847	M.6.j.

Memo Items 7.a through 7.p are to be completed annually on a calendar year-to-date basis in
the December report only by holding companies with less than $5 billion in total assets. Holding
companies with $5 billion or more in total assets should report these items on a quarterly basis.[1
]
7. Other noninterest expense (from Schedule HI, item 7.d, above) (only report amounts greater
than $100,000 that exceed 7 percent of the sum of Schedule HI, item 7.d):
a.	Data processing expenses..........................................................................................................	C017	142,226	M.7.a.

b. Advertising and marketing expenses...........................................................................................	0497	161,569	M.7.b.

c. Directors' fees .............................................................................................................................	4136	0	M.7.c.

d. Printing, stationery, and supplies.................................................................................................	C018	0	M.7.d.

e. Postage........................................................................................................................................	8403	0	M.7.e.

f. Legal fees and expenses.............................................................................................................	4141	0	M.7.f.

g. FDIC deposit insurance assessments.........................................................................................	4146	0	M.7.g.

h. Accounting and auditing expenses .............................................................................................	F556	0	M.7.h.

i. Consulting and advisory expenses .............................................................................................	F557	0	M.7.i.
j. Automated teller machine (ATM) and interchange expenses .....................................................	F558	0	M.7.j.

k.	Telecommunications expenses ..................................................................................................	F559	0	M.7.k.

l. Other real estate owned expenses............................................................................	Y923	0	M.7. l.
m Insurance expenses (not included in employee expenses, premises and fixed assets

	expenses, and other real estate owned expenses)........................................................	Y924	0	M.7. m.

	TEXT	Software Expense
n.	8565		8565	384,750	M.7.n.

	TEXT	Loan and Lease Expense
o.	8566		8566	149,106	M.7.o.
	TEXT	See Notes to Income Statement 8
p.	8567		8567	126,334	M.7.p.
Memo items 8.a.(1) through Memo item 8.b.(2) is reported by HCs with $5 billion or more in
total assets. [1]

8. Discontinued operations and applicable income tax effect (from Schedule HI, item 11) (itemize and describe each discontinued operation):

		TEXT

a.	(1)	FT29				FT29	0	M.8.a.(1)

	(2)	Applicable income tax effect ..............................	BHCK	FT30	0		M.8.a.(2)


		TEXT
b.	(1)	FT31				FT31	0	M.8.b.(1)

	(2)	Applicable income tax effect ..............................	BHCK	FT32	0		M.8.b.(2)

9. Trading revenue (from cash instruments and derivative instruments) (Sum of items 9.a through 9.e must equal Schedule HI, item 5.c.)

Memorandum items 9.a through 9.e are to be completed by holding companies with $5 billion
or more in total assets [1] that reported total trading assets of $10 million or more for any
quarter of the preceding calendar year:

a.	Interest rate exposures ...............................................................................................................	8757	212,717	M.9.a.
b.	Foreign exchange exposures .....................................................................................................	8758	48,251	M.9.b.

c. Equity security and index exposures ..........................................................................................	8759	17,729	M.9.c.

d. Commodity and other exposures ................................................................................................	8760	8,986	M.9.d.

e. Credit exposures .........................................................................................................................	F186	1,532	M.9.e.

1. Asset-size test is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 5 of 71

Schedule HI-Continued

Memoranda-Continued

	Dollar Amounts in Thousands	BHCK
Memoranda items 9.f and 9.g are to be completed by holding companies with $100 billion or more
in total assets that are required to complete Schedule HI, Memorandum items 9.a through 9.e,
above. [1]
9.	f. Impact on trading revenue of changes in the creditworthiness of the holding company's
	derivatives counterparties on the holding company's derivative assets (included in
	Memorandum items 9.a through 9.e above) ..........................................................................................	K090		-13,628	M.9.f.
	g. Impact on trading revenue of changes in the creditworthiness of the holding company on the

	holding company's derivative liabilities (included in Memorandum items 9.a through 9.e
	above) ....................................................................................................................................................	K094			0	M.9.g.
Memorandum items 10.a and 10.b are to be completed by holding companies with $10 billion or more

in total consolidated assets.[1]
10.	Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit
	exposures held outside the trading account:
	a. Net gains (losses) on credit derivatives held for trading ........................................................................	C889			0	M.10.a.

	b. Net gains (losses) on credit derivatives held for purposes other than trading ......................................	C890			0	M.10.b.
	Memorandum item 11 is to be completed by holding companies with $5 billion or more in total assets.[1]

11. Credit losses on derivatives (see instructions) .............................................................................................	A251			-513	M.11.
	........
Memorandum items 12.a through 12.c are to be completed by holding companies with $5 billion or more in

total assets. [1]

12.	a. Income from the sale and servicing of mutual funds and annuities (in domestic offices) .....................	8431			57,533	M.12.a.

	b. (1) Premiums on insurance related to the extension of credit...............................................................	C242			0	M.12.b.(1)

	(2) All other insurance premiums..........................................................................................................	C243			0	M.12.b.(2)

	c. Benefits, losses and expenses from insurance-related activities ..........................................................	B983			0	M.12.c.

13.	Does the reporting holding company have a Subchapter S election in effect for		0=No	BHCK

	federal income tax purposes for the current tax year? (Enter "1" for Yes; enter "0" for No.) .......................................		1=Yes	A530		0	M.13.


	Dollar Amounts in Thousands	BHCK
Memorandum items 14(a) through 14(b)(1) are to be completed by holding companies with $5 billion or more
in total assets that have elected to account for assets and liabilities under a fair value option.[1]
14.	Net gains (losses) recognized in earnings on assets and liabilities that are reported at
	fair value under a fair value option:
	a. Net gains (losses) on assets .................................................................................................................	F551			89,661	M.14.a.
	(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific

	credit risk .........................................................................................................................................	F552			-286	M.14.a.(1)

	b. Net gains (losses) on liabilities ..............................................................................................................	F553			0	M.14.b.
	(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific

	credit risk .........................................................................................................................................	F554			0	M.14.b.(1)
	Memorandum item 15 is to be completed by holding companies with $5 billion or more in total assets.[1]

	Stock-based employee compensation expense (net of tax effects) calculated for all
15.awards under the fair value method .............................................................................................................	C409		103,756	M.15.
	...................................


Memorandum item 16 is to be completed by holding companies that are required to complete Schedule HC-		Year-to-date

Memorandum items 6.b and 6.c. and is to be completed semiannually in the June and December	BHCK
reports only by holding companies with $5 billion or more in total assets and annually on a year-to-date basis
in the December report by holding companies with less that $5 billion in total assets.[1]
16.	Noncash income from negative amortization on closed-end loans secured by 1-4 family
	residential properties (included in Schedule HI, item 1.a.(1)(a)) ..................................................................	F228					M.16.
	Memorandum item 17 is to be completed semiannually in June and December by Holding Companies wi
	th
	less than $5 billion in total assets.
	(Holding companies with less than $5 billion will continue to report quarterly).[1]
17.	Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt	J321			1,055	M.17.
securities recognized in earnings (included in Schedule HI, items 6.a and 6.b) [2].......................

Theasset-size test is based on the total assets reported as of prior year June 30 report date.
Memorandum item 17 is to be completed only by institutions that have not adopted ASU2016-13.

				FR Y-9C
				Page 6 of 71
Schedule HI-A-Changes in Holding Company Equity Capital

	Dollar Amounts in Thousands	BHCK
1.	Total holding company equity capital most recently reported for the end of previous
	calendar year (i.e., after adjustments from amended Reports of Income) ...............................................	3217	16,249,521	1.

2.	Cumulative effect of changes in accounting principles and corrections of material accounting errors .....	B507	10,136	2.

3.	Balance end of previous calendar year as restated (sum of items 1 and 2) .............................................	B508	16,259,657	3.

		BHCT
4.	Net income (loss) attributable to holding company (must equal Schedule HI, item 14). ...........................	4340	2,511,689	4.

5.	Sale of perpetual preferred stock (excluding treasury stock transactions):	BHCK
	a. Sale of perpetual preferred stock, gross ............................................................................................	3577	242,000	5.a.

	b. Conversion or retirement of perpetual preferred stock .......................................................................	3578	196,480	5.b.
6.	Sale of common stock:

	a. Sale of common stock, gross ............................................................................................................	3579	0	6.a.

	b. Conversion or retirement of common stock .......................................................................................	3580	76,883	6.b.

7.	Sale of treasury stock .............................................................................................................................	4782	0	7.

8.	LESS: Purchase of treasury stock ...........................................................................................................	4783	1,763,025	8.

9.	Changes incident to business combinations, net .....................................................................................	4356	3,158,732	9.

10.	LESS: Cash dividends declared on preferred stock ................................................................................	4598	92,866	10.

11.	LESS: Cash dividends declared on common stock .................................................................................	4460	690,846	11.

12.	Other comprehensive income [1] ............................................................................................................	B511	1,303,911	12.
13.	Change in the offsetting debit to the liability for Employee Stock Ownership Plan (ESOP) debt

	guaranteed by the holding company.........................................................................................................	4591	0	13.

14.	Other adjustments to equity capital (not included above) ........................................................................	3581	0	14.

15.	Total holding company equity capital end of current period (sum of items 3, 4, 5, 6, 7, 9, 12,	BHCT
	13, and 14, less items 8, 10, and 11) (must equal item 27.a on Schedule HC ) ......................................	3210	21,202,615	15.

1. Includes, but is not limited to, changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash flow hedges, foreign currency translation adjustments, and pension and other postretirement plan related changes other than net periodic benefit cost.

FR Y-9C

Page 7 of 71

Schedule HI-B-Charge-Offs and Recoveries on Loans and

Leases and Changes in Allowances for Credit Losses

Part I includes charge-offs and recoveries through the			(Column A)		(Column B)
allocated transfer risk reserve.		Charge-offs[1]		Recoveries

			Dollar Amounts in Thousands	BHCK			BHCK
I. Charge-offs and Recoveries on Loans and Leases
(Fully Consolidated)
1. Loans secured by real estate:
	a. Construction, land development, and other land loans
		in domestic offices:
		(1) 1-4 family residential construction loans..............................................	C891		544	C892	102	1.a.(1)
		(2)	Other construction loans and all land development and
			other land loans ...................................................................................	C893		400	C894	242	1.a.(2)

	b. Secured by farmland in domestic offices ...................................................	3584		5	3585	63	1.b.

	c.	Secured by 1-4 family residential properties in domestic offices:
		(1)	Revolving, open-end loans secured by 1-4 family residential
			properties and extended under lines of credit .....................................	5411		22,044	5412	7,536	1.c.(1)

		(2)	Closed-end loans secured by 1-4 family residential
			properties in domestic offices:
			(a) Secured by first liens......................................................................	C234		9,894	C217	5,751	1.c.(2)(a)
			(b) Secured by junior liens...................................................................	C235		1,974	C218	1,349	1.c.(2)(b)
	d. Secured by multifamily (5 or more) residential properties in
		domestic offices .........................................................................................	3588		1	3589	66	1.d.
	e. Secured by nonfarm nonresidential properties in domestic offices:
		(1)	Loans secured by owner-occupied nonfarm nonresidential
			properties .............................................................................................	C895		1,671	C896	121	1.e.(1)

		(2) Loans secured by other nonfarm nonresidential properties ................	C897		12	C898	541	1.e.(2)

	f.	In foreign offices .........................................................................................	B512		0	B513	0	1.f.

2.	Not Applicable

3. Loans to finance agricultural production and other loans to farmers ................	4655		3	4665	625	3.
Holding companies with less than $5 billion should report Item 4.c
only and leave 4.a and 4.b blank.[2]
4. Commercial and industrial loans:
	a. To U.S. addressees (domicile) ...................................................................	4645		122,350	4617	16,464	4.a.

	b. To non-U.S. addressees (domicile) ...........................................................	4646		0	4618	422	4.b.

	c. To U.S. addressees (domicile) and non-U.S. addressees (domicile).........	KX48			KX49		4.c.

5. Loans to individuals for household, family, and other personal
	expenditures:
	a.	Credit cards ................................................................................................	B514		155,569	B515	21,787	5.a.

	b.	Automobile loans ........................................................................................	K129		80,969	K133	29,907	5.b.

	c.	Other consumer loans (includes single payment, installment,
		all student loans, and revolving credit plans other than
		credit cards) ...............................................................................................	K205		111,862	K206	56,055	5.c.

Item 6 is to be completed by HCs with $5 billion or more in total
consolidated assets.[2]
6. Loans to foreign governments and official institutions ......................................	4643		0	4627	0	6.

7.	All other loans ...................................................................................................	4644		2,908	4628	231	7.

8.	Lease financing receivables:
	Holding companies with less than $5 billion in total assets should
	report data item Item 8.c and leave item 8.a and 8.b blank.[2]
	a. Leases to individuals for household, family, and other personal
		expenditures ...............................................................................................	F185		0	F187	1	8.a.
	b.	All other leases ...........................................................................................	C880		0	F188	0	8.b.
	c.	Leases to individuals for household, family, and other personal	KX50			KX51		8.c.
	expenditures and all other leases….........................................................


9.	Total (sum of items 1 through 8) .......................................................................	4635		510,206	4605	141,263	9.

Includewrite-downs arising from transfers of loans to a held-for-sale account.
Asset-sizetest is based on the total assets reported as of prior year June 30 report date.

Schedule HI-B-Continued

Memoranda

		(Column A)			(Column B)
		Charge-offs [1]			Recoveries
			Date
Dollar Amounts in Thousands	BHCK			BHCK
1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in Schedule
HI-B, part I, items 4 and 7 above ........................................................................	5409		84	5410	303	M.1.
Memorandum item 2 is to be completed by holding companies with $5 billion
or more in total assets.[3]
2.Loans secured by real estate to non-U.S. addressees (domicile) (included in
Schedule HI-B, part I, item 1, above)................................................................	4652		0	4662	0	M.2.
Memorandum item 3 is to be completed by (1) holding companies with $5 billion or more in total assets.[3] that, together with affiliated
institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or
(2) holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions).

					Year-to-date
3. Uncollectible retail credit card fees and finance charges reversed against income				BHCK
(i.e., not included in charge-offs against the allowance for loan and lease losses) [2].................................................				C388	22,326	M.3.

1. Include write-downs arising from transfers of loans to a held-for-sale account.

2 Institutions that have adopted ASU 2016-13 should report in Memorandum item 3 uncollectible retail credit card fees and finance charges reversed against income (i.e., not included in charge-offs against the allowance for credit losses on loans and leases).

3. Asset-size test is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 8 of 71

				(Column A)		(Column B)			(Column C)
		Loans and Leases held	Held-to-maturity debt		Available-for-sale de
			for investment		securities [4]			securities [4]

Part A	BHCK			BHCK			BHCK
Schedule HI-B
II. Changes in Allowances for Credit Losses [3]
1.	Balance most recently reported at end of previous year
	(i.e., after adjustments from amended Reports of Income)...................................................................................	B522		1,102,979	JH88		0	JH94
		BHCT
2.	Recoveries (column A must equal Part I, item 9, column B, above)................................................................................................	4605		141,263	JH89		0	JH95
3.	LESS: Charge-offs (column A must equal Part I, item 9, column A,	BHCK
	above less Schedule HI-B, Part II, item 4, Column A) ....................................................................................................................	C079		510,206	JH92		0	JH98
4.	LESS: Write-downs arising from transfers of financial assets [5] .................................................................................	5523		0	JJ00		0	JJ01
5.	Provisions for credit losses[6],[7].......................................................................................................................	4230		467,611	JH90		0	JH96
6.	Adjustments* (see instructions for this schedule)............................................................................................................................	C233		-7	JH91		0	JH97
7.	Balance at end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4)	BHCT
	(column A must equal Schedule HC, item 4.c).........................................................................................................	3123		1,201,640	JH93		0	JH99

Institutions that have not adopted ASU2016-13 should report changes in allowance for loan and lease losses in column A.
Columns B and C are to be completed only by institutions that have adopted ASU2016-13.
Institutions that have not adopted ASU2016-13, should report write-downs arising from transfers of loans to a held-for-sale account in item 4, column A.
Institutions that have not yet adopted ASU2016-13 should report the provision for loan and lease losses in item 5, column A, and the amount reported must equal Schedule HI, item 4.

5. For institutions that have adopted ASU 2016-13, the sum of item 5, columns A through C, plus schedule HI-B, Part II, Memorandum item 5,

must equal Schedule HI, item 4.

Describe on ScheduleRI-E-Explanations.

ebt

0	1.

0	2.

0	3.
0	4.

0 7.

Schedule HI-B-Continued

Memoranda

FR Y-9C

Page 9 of 71

Memoranda Items 1, 2, 3 and 4 are to be completed by holding companies with $5 billion or more in total assets.[1]

	Dollar Amounts in Thousands	BHCK
1.	Allocated transfer risk reserve included in Schedule HI-B, part II, item 7, column A, above....................................	C435	0	M.1.
Memoranda items 2 and 3 are to be completed by (1) holding companies that, together with
affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that
exceed $500 million as of the report date or (2) holding companies that on a consolidated basis are
credit card specialty holding companies (as defined in the instructions).
2.	Separate valuation allowance for uncollectible retail credit card fees and finance charges...............................................	C389	0	M.2.
3.	Amount of allowance for loan and lease losses attributable to retail credit card fees and finance
	charges[2]......................................................................	C390	1,849	M.3.
4.	Amount of allowance for post-acquisition credit losses on purchased credit-impaired loans
	accounted for in accordance with AICPA Statement of Position 03-3
	(included in Schedule HI-B, part II, item 7, column A, above) [3]...............................................................	C781	0	M.4.
5.	Provisions for credit losses on other financial assets measured at amortized cost (not included in item 5, above).[4]	JJ02	0	M.5.
6.	Allowance for credit losses on other financial assets measured at amortized cost (not included in item 7, above).[4]	JJ03	0	M.6.

Asset-sizetest is based on the total assets reported as of prior year June 30 report date.
Institutions that have adopted ASU2016-13 should report in Memorandum item 3 the amount of allowance for credit losses on loans and leases attributable to retail credit card fees and finance charges.
Memorandum item 4 is to be completed only by institutions that have not yet adopted ASU2016-13.
Memorandum items 5 and 6 are to be completed only by institutions that have adopted ASU2016-13.

FR Y-9C

Page 10 of 7

Schedule HI-C - Disaggregated Data on the Allowance for Loan and Lease Losses

Part I. Disaggregated data on the Allowance for Loan and Lease Losses to be

completed by Holding companies with $5 billion or more in total assets.[1][2]

(Column A)

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

Recorded Investment

Allowance Balance:

Recorded Investment

Allowance Balance:

Recorded Investment

Allowance Balance:

Individually Evaluate

Collectively Evaluate

Purchased

Individually Evaluate

Collectively Evaluate

Purchased

Credit-Impaired Loan

for Impairment

Credit-Impaired Loan

Dollar Amounts in Thousands

BHCK

(ASC

BHCK

(ASC

BHCK

Real estate loans:

a. Construction loans ..........

M708

M709

M710

5,242,476

M711

45,423

M712

31,997

M713

1.a.

b. Commercial

real estate loans ..............

M714

28,163

M715

498

M716

10,595,796

M717

86,905

M719

338,656

M720

1.b.

c. Residential

real estate loans ..............

M721

1,057,364

M722

74,809

M723

21,605,140

M724

34,535

M725

49,518

M726

1.c.

Commercial loans [2]............

M727

385,143

M728

81,913

M729

53,081,978

M730

496,530

M731

127,752

M732

Credit cards .........................

M733

44,590

M734

12,772

M735

2,469,444

M736

154,787

M737

M738

Other consumer loans .........

M739

12,277

M740

485

M741

14,301,728

M742

92,262

M743

3,085

M744

Unallocated, if any ...............

M745

120,721

Total

(sum of items 1.a. through 5.

M746

1,527,537

M747

170,477

M748

107,296,562

M749

1,031,163

M750

551,008

M751

Only institutions with total assets greater than $5 billion that have not adopted ASU2016-13 are to complete Schedule HI-C, Part I.
The asset size test is based on the total assets reported as of prior year June 30 report date.
Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 on ScheduleHI-C, Part I.
The sum of item 6, columns B, D, and F, must equal Schedule HC, item 4.c. Item 6, column E, must equal ScheduleHC-C, Memorandum

item 5.b. Item 6, column F, must equal Schedule HI-B, Part II, Memorandum item 4.

FR Y-9C

Page 11 of 71

Schedule HI-C - Continued

		(Column A)		(Column B)
Schedule HI-C	Amortized Cost		Allowance Balance

II	Disaggregated Data on the Allowances for Credit Losses [5][6]	BHCK			BHCK
Loans and Leases, Held for Investment:[5]
1.	Real estate loans:
	a. Construction Loans…………………………………………………………	JJ04		0	JJ12	0	1.a.
	b. Commercial real estate loans………………………………………………	JJ05		0	JJ13	0	1.b.
	c. Residential real estate loans………………………………………………	JJ06		0	JJ14	0	1.c.
2.	Commercial Loans [7]…………………………………………………………	JJ07		0	JJ15	0	2.
3.	Credit Cards……………………………………………………………………	JJ08		0	JJ16	0	3.
4.	Other consumer loans…………………………………………………………	JJ09		0	JJ17	0	4.
5.	Unallocated, if any………………………………………………………………				JJ18	0	5.
6.	Total (sum of items 1.a through 5) [8]…………………………………………	JJ11		0	JJ19		6.
Held-To-Maturity Securities:[10]
7.	Securities issued by states and political subdivisions in the U.S…………				JJ20	0	7.
8.	Total Mortgage-backed securities (MBS) (including CMOs, REMICs, and
	stripped MBS)…………………………………...………………………………				JJ21	0	8.
9.	Asset-backed securities and structured financial products…………………				JJ23	0	9.
10	Other debt securities…………………………………...………………………				JJ24	0	10.
11	Total (sum of items 7 through 10) [9]…………………………………...……				JJ25	0	11.

Data items1-6 are to be completed by holding companies that have adopted ASU 2016-13 and holding companies wit less than $5 billion that have not adopted ASU 2016-13 (and chose not to report on HI-C Part I). Holding companies th less than $5 billion in total assets and have not adopted ASU 2016-13 should report the recorded investment instead o amortized cost in column A and report items 1-6 semiannually in June and December.
The asset size test is based on total assets reported as of prior year June 30 report date.
Include all loans and leases not reported as real estate loans, credit cards, or other consumer loans in items 1, 3, or 4 ScheduleHI-C,Part II.
Item 6, column B, must equal Schedule HC, item 4.c.
Item 11 must equal ScheduleHI-B, Part II, item 7, column B.

10 Only institutions that have adopted ASU 2016-13 are to be complete Schedule HI-C, Part II line items 7 through 11. Institutions with less than $5 billion in total assets should report items 7 through 11 semiannually in the June and December reports only.

FR Y-9C

Page 12 of 71

Notes to the Income Statement-Predecessor Financial Items

For holding companies involved in a business combination(s) during the quarter, provide on the lines below income statement information for any acquired company(ies) with aggregated assets of $10 billion or more or 5 percent of the reporting holding company's total consolidated assets as of the previous quarter-end, whichever is less. Information should be reported year-to- date of acquisition.

	Dollar Amounts in Thousands	BHBC
1.	Total interest income ............................................................................................................................	4107	0	1.

	a. Interest income on loans and leases...............................................................................................	4094	0	1.a.

	b. Interest income on investment securities.........................................................................................	4218	0	1.b.

2.	Total interest expense ..........................................................................................................................	4073	0	2.

	a. Interest expense on deposits...........................................................................................................	4421	0	2.a.

3.	Net interest income...............................................................................................................................	4074	0	3.

4.	Provision for loan and lease losses [1]..................................................................................................	JJ33	0	4.

5.	Total noninterest income.......................................................................................................................	4079	0	5.

	a. Income from fiduciary activities .......................................................................................................	4070	0	5.a.

	b. Trading revenue...............................................................................................................................	A220	0	5.b.

	c. Investment banking, advisory, brokerage, and underwriting fees and commissions ......................	B490	0	5.c.

	d. Venture capital revenue...................................................................................................................	B491	0	5.d.

	e. Net securitization income.................................................................................................................	B493	0	5.e.

	f. Insurance commissions and fees.....................................................................................................	B494	0	5.f.

6.	Realized gains (losses) on held-to-maturity and available-for-sale securities [2].................................	4091	0	6.

7.	Total noninterest expense.....................................................................................................................	4093	0	7.

	a. Salaries and employee benefits.......................................................................................................	4135	0	7.a.

	b. Goodwill impairment losses.............................................................................................................	C216	0	7.b.

8.	Income (loss) before applicable income taxes and discontinued operations...............................	4301	0	8.

9.	Applicable income taxes .......................................................................................................................	4302	0	9.

10.	Noncontrolling (minority) interest ..........................................................................................................	4484	0	10.

		BHCK
11.	Discontinued operations, net of applicable income taxes and noncontrolling (minority) interest......	FT41	0	11.

		BHBC
12.	Net income (loss) .................................................................................................................................	4340	0	12.

13.	Cash dividends declared.......................................................................................................................	4475	0	13.

14.	Net charge-offs......................................................................................................................................	6061	0	14.

15.	Net interest income (item 3 above) on a fully taxable equivalent basis................................................	4519	0	15.

Institutions that have adopted ASU2016-13 should report in item 4, the provisions for credit losses for all financial assets that fall within the scope of the standard.
For institutions that have adopted ASU2016-01, which includes provisions governing the accounting for investments in equity securities,include realized and unrealized gains (losses) (and all other value changes) on equity securities and other equity investments not held for trading in item 6.

FR Y-9C

Page 13 of 71

Notes to the Income Statement (Other)

Enter in the lines provided below any additional information on specific line items on the income statement or to its schedules that the holding company wishes to explain, that has been separately disclosed in the holding company's quarterly reports to its shareholders, in its press releases, or on its quarterly reports to the Securities and Exchange Commission (SEC). Exclude any

transactions that have been separately disclosed under the reporting requirements specified in memoranda items 6 through 8 to Schedule HI, the Consolidated Income Statement.

Also include any transactions which previously would have appeared as footnotes to Schedules HI through HI-B.

Each additional piece of information disclosed should include the appropriate reference to schedule and item number, as well as a description of the additional information and the dollar amount (in thousands of dollars) associated with that disclosure.

Example

A holding company has received $1.35 million of back interest on loans and leases that are currently in nonaccrual status. The holding company's interest income for the quarter shows that increase which has been disclosed in the report to the stockholders and to the SEC. Enter on the line item below the following information:

TEXT		BHCK
0000	Sch. HI, item 1.a(1), Recognition of interest payments on

	nonaccrual loans to XYZ country
		0000	1,350

Notes to the Income Statement (Other)

	TEXT	Dollar Amounts in Thousands	BHCK
1.		Adoption of Current Expected Credit Losses Methodology ASU 2016-13 [1][2]……………………..	JJ26	0	1.
2.		Initial allowances for credit losses recognized upon the acquisition of purchased
		credit-deteriorated assets on or after the effective date of ASU 2016-13 [1]………………………..	JJ27	0	2.
3.		Effect of adoption of current expected credit losses methodology on allowances for credit
		losses on loans and leases held for investment and held-to-maturity debt securities [1][2]………	JJ28	0	3.
4.	5351	Sch HI Memorandom Line 6j Gain from termination of Worldpay TRA


			5351	345,549	4.
5.	5352	Sch HI Memorandom Line 6j Operating Lease Rent


			5352	150,935	5.
6.	5353	Sch HI Memorandom 6j Commercial Commitment Fees


			5353	98,499	6.
7.	5354	Sch HI Memorandom Line 6j Commercial Syndication Fees


			5354	82,864	7.
8.	5355	Sch HI Memorandom Line 7p Operating Lease Expense


			5355	126,334	8.
9.	B042


			B042	0	9.
10.	B043


			B043	0	10.

Only institutions that have adopted ASU2016-13 should report values in these items, if applicable.
Institutions should complete this item in the quarter that they adopt ASU2016-13 and in the quarter-end FR Y-9C report for the remainder of that calendar year only.

					FR Y-9C
					Page 14 of 71
Notes to the Income Statement (Other)-Continued

	TEXT	Dollar Amounts in Thousands	BHCK

11.	B044


			B044	0	11.

12.	B045


			B045	0	12.

13.	B046


			B046	0	13.

14.	B047


			B047	0	14.
15.	B048


			B048	0	15.
16.	B049


			B049	0	16.
17.	B050


			B050	0	17.
18.	B051


			B051	0	18.
19.	B052


			B052	0	19.
20.	B053


			B053	0	20.
21.	B054


			B054	0	21.
22.	B055


			B055	0	22.
23.	B056


			B056	0	23.

Fifth Third Bancorp		For Federal Reserve Bank Use Only	FR Y-9C
	Page 15 of 71


Name of Holding Company
		C.I.	_______

Consolidated Financial Statements for

Holding Companies

Report at the close of business	December 31, 2019

	Month / Day / Year

Schedule HC-Consolidated Balance Sheet

	Dollar Amounts in Thousands	BHCK
Assets
1.	Cash and balances due from depository institutions:
	a. Noninterest-bearing balances and currency and coin[1] ...............................................................				0081	3,287,779	1.a.
	b. Interest-bearing balances:[2]

	(1) In U.S. offices.............................................................................................................................				0395	1,773,913	1.b.(1)

	(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs...............................................				0397	176,145	1.b.(2)
2.	Securities:

	a. Held-to-maturity securities (from Schedule HC-B, column A)[3]....................................................				JJ34	15,250	2.a.

	b. Available-for-sale securities (from Schedule HC-B, column D).....................................................				1773	35,472,842	2.b.

	c. Equity securities with readily determinable fair values not held for trading. [4]		JA22	86,534	2.c.
3.	Federal funds sold and securities purchased under agreements to resell:

	a. Federal funds sold in domestic offices..............................................................................			BHDM	B987	0	3.a.

	b. Securities purchased under agreements to resell [5][6] ..................................................			BHCK	B989	0	3.b.
4.	Loans and lease financing receivables:

	a. Loans and leases held for sale ......................................................................................................				5369	1,399,586	4.a.

	b. Loans and leases, held for investment..............................................	B528	109,557,865			4.b.

	c. LESS: Allowance for loan and lease losses [7].................................	3123	1,201,640			4.c.

	d. Loans and leases, held for investment, net of allowance for loan and lease losses
	(item 4.b minus 4.c).........................................................................................................................				B529	108,356,225	4.d.

5.	Trading assets (from Schedule HC-D).................................................................................................				3545	1,807,340	5.

6.	Premises and fixed assets (including capitalized leases)....................................................................				2145	2,220,802	6.

7.	Other real estate owned (from Schedule HC-M)..................................................................................				2150	54,485	7.

8.	Investments in unconsolidated subsidiaries and associated companies.............................................				2130	14,143	8.

9.	Direct and indirect investments in real estate ventures........................................................................				3656	1,172,384	9.

10.	Intangible assets:(from schedule HC-M)				2143	5,446,534	10.

11.	Other assets (from Schedule HC-F) [6]................................................................................................				2160	8,085,207	11.

12.	Total assets (sum of items 1 through 11).............................................................................................				2170	169,369,169	12.

Includes cash items in process of collection and unposted debits.
Includes time certificates of deposit not held for trading.
Institutions that have adopted ASU2016-13 should report in item 2.a amounts net of any applicable allowance for credit losses, and item 2.a should equal Schedule HC-B, item 8, column A, less Schedule HI-B, Part II, item 7, column B.
Item 2.c is to be completed only by holding companies that have adopted ASU2016-01, which includes provisions governing the accounting for investments in equity securities. See the instructions for further detail on ASU 2016-01.
Includes all securities resale agreements in domestic and foreign offices, regardless of maturity.
Institutions that have adopted ASU2016-13 should report items 3.b and 11 amounts net of any applicable allowance for credit losses.
Institutions that have adopted ASU2016-13 should report in item 4.c the allowance for credit losses on loans and leases.

FR Y-9C Page 16 of 71

Schedule HC-Continued

Dollar Amounts in Thousands BHDM

Liabilities

13. Deposits:

a. In domestic offices (from Schedule HC-E):

	(1)	Noninterest-bearing [1] ...................................................................................................	6631	36,275,002

	(2)	Interest-bearing ..............................................................................................................	6636	90,873,373

	b. In foreign offices, Edge and Agreement subsidiaries, and IBFs:	BHFN
	(1)	Noninterest-bearing ........................................................................................................	6631	0

	(2)	Interest-bearing ..............................................................................................................	6636	220,537

14.	Federal funds purchased and securities sold under agreements to repurchase:	BHDM
	a. Federal funds purchased in domestic offices [2] .....................................................................	B993	260,050
			BHCK
	b. Securities sold under agreements to repurchase [3] ...............................................................	B995	468,669

15.	Trading liabilities (from Schedule HC-D) .......................................................................................	3548	718,071
16.	Other borrowed money (includes mortgage indebtedness and obligations under

	capitalized leases) (from Schedule HC-M)....................................................................................	3190	12,459,798

Not applicable
Not applicable

19.	a. Subordinated notes and debentures [4]……………………………………………………………	4062	2,999,755
	b. Subordinated notes payable to unconsolidated trusts issuing trust preferred securities, and

	trust preferred securities issued by consolidated special purpose entities ...............................	C699	52,640
20.	Other liabilities (from Schedule HC-G)..........................................................................................	2750	3,838,482

21.	Total liabilities (sum of items 13 through 20) ................................................................................	2948	148,166,377
22.	Not applicable

Equity Capital
Holding Company Equity Capital
23.	Perpetual preferred stock and related surplus ..............................................................................	3283	1,769,603

24.	Common stock (par value) ...........................................................................................................	3230	2,051,042

25.	Surplus (exclude all surplus related to preferred stock) ................................................................	3240	3,598,730

26.	a. Retained earnings ...................................................................................................................	3247	18,315,160

	b. Accumulated other comprehensive income [5]……………………………………………………	B530	1,192,002

	c. Other equity capital components [6]…………………………………………………………………	A130	-5,723,922

27.	a. Total holding company equity capital (sum of items 23 through 26.c).......................................	3210	21,202,615

	b. Noncontrolling (minority) interests in consolidated subsidiaries ...............................................	3000	177

28.	Total equity capital (sum of items 27.a and 27.b) .........................................................................	G105	21,202,792

29.	Total liabilities and equity capital (sum of items 21 and 28) ..........................................................	3300	169,369,169

13.a.(1)

13.a.(2)

13.b.(1)

13.b.(2)

14.a.

14.b.

15.

16.

19.a.

19.b.

20.

21.

23.

24.

25.

26.a.

26.b.

26.c.

27.a.

27.b.

28.

29.

Includesnoninterest-bearing demand time, and savings deposits.
Report overnight Federal Home Loan Bank advances in Schedule HC, item 16, ''Other borrowed money''.
Includes all securities repurchase agreements in domestic and foreign offices regardless of maturity.
Includeslimited-life preferred stock and related surplus.
Includes, but is not limited to, net unrealized holding gains (losses) onavailable-for-sale securities, accumulated net gains (losses) on cash flow hedges, cumulative foreign currency translation adjustments, and accumulated defined benefit pension and other postretirement plan adjustments.
Includes treasury stock and unearned Employee Stock Ownership Plan shares.

FR Y-9C

Page 17 of 71

Schedule HC-Continued

Memoranda (to be completed annually by holding companies for the December 31 report date)

1. Has the holding company engaged in a full-scope independent external audit at any time during the	0=No	BHCK
calendar year? (Enter ''1'' for Yes, enter ''0'' for No.) .......................................................................................	1=Yes	C884	1	M.1.

2. If response to Memoranda item 1 is yes, indicate below the name and address of the holding company's independent external auditing firm (see instructions), and the name and e-mail address of the auditing firm's engagement partner.[7]

a. Deloitte & Touche LLP			b.	Robert A. Bitter

(1)	Name of External Auditing Firm (TEXT C703)	(1) Name of Engagement Partner (TEXT C704)
	Cincinnati				rbitter@deloitte.com

(2)	City (TEXT C708)				(2) E-mail Address (TEXT C705)
	OH	45202

(3)	State Abbreviation (TEXT C714)		(4) Zip Code (TEXT C715)

7. The Federal Reserve regards information submitted in response to Memorandum item 2.b. as confidential.

														FR Y-9C
														Page 18 of 71
Schedule HC-B-Securities

					Held-to-Maturity					Available-for-Sale

				(Column A)	(Column B)		(Column C)		(Column D)
			Amortized Cost		Fair Value	Amortized Cost		Fair Value
	Dollar Amounts in Thousands
	BHCK			BHCK			BHCK			BHCK
1. U.S. Treasury securities ...........................................................................	0211		0	0213		0	1286		74,130	1287		75,311	1.
2. U.S. government agency and sponsored agency obligations

(exclude mortgage-backed securities):[1]		HT50		0	HT51		0	HT52		0	HT53		0	2.

3. Securities issued by states and political subdivisions in the U.S. ............	8496		15,250	8497		15,250	8498		17,537	8499		17,579	3.

Mortgage-backed securities (MBS)
4. Holding companies with less than $5 billion should report data
Item 4.a.(4) and should leave 4.a.(1) through 4.a.(3) blank.[3]
a. Residential pass-through securities:
(1)	Guaranteed by GNMA .................................................................	G300		0	G301		0	G302		1,553,568	G303		1,585,063	4.a.(1)

(2)	Issued by FNMA and FHLMC ......................................................	G304		0	G305		0	G306		1,870,429	G307		1,937,260	4.a.(2)

(3)	Other pass-through securities .....................................................	G308		0	G309		0	G310		170	G311		170	4.a.(3)
(4)	Guaranteed by GNMA, issued by FNMA and FHLMC													4.a.(4)
KX52			KX53			KX54			KX55
	and other pass-through securities............
b. Other residential mortgage-backed securities
(include CMOs, REMICs, and stripped MBS):
(1)	Issued or guaranteed by U.S. Government agencies or
	sponsored agencies [2] ...............................................................		G312		0	G313		0	G314		10,322,004	G315		10,592,995	4.b.(1)

(2)	Collateralized by MBS issued or guaranteed by U.S.
	Government agencies or sponsored agencies [2]........................		G316		0	G317		0	G318		0	G319		0	4.b.(2)

(3)	All other residential mortgage-backed securities .........................	G320		0	G321		0	G322		1	G323		1	4.b.(3)

c. Commercial MBS:
(1)	Commercial pass-through securities:
	(a) Issued or guaranteed by FNMA, FHLMC, or GNMA ............		K142		0	K143		0	K144		15,141,179	K145		15,693,327	4.c.(1)(a)

	(b) Other pass-through securities ...............................................	K146		0	K147		0	K148		0	K149		0	4.c.(1)(b)

(2)	Other commercial MBS:
	(a) Issued or guaranteed by U.S. Government agencies or
	sponsored agencies [2] .........................................................		K150		0	K151		0	K152		0	K153		0	4.c.(2)(a)

	(b) All other commercial MBS .....................................................	K154		0	K155		0	K156		3,242,488	K157		3,365,377	4.c.(2)(b)

Includes Small Business Administration ''Guaranteed Loan Pool Certificates,'' U.S. Maritime Administration obligations,Export-Import Bank participation certificates,
and obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority.
U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S.Government-sponsored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).
Asset-sizetest is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 19 of 71

Schedule HC-B-Continued

				Held-to-Maturity			Available-for-Sale

				(Column A)		(Column B)		(Column C)		(Column D)
			Amortized Cost		Fair Value	Amortized Cost		Fair Value
		Dollar Amounts in Thousands
		BHCK		BHCK		BHCK		BHCK
5.	Asset-backed securities and structured financial products:
	a.	Asset-backed Securities (ABS)....................................................	C026	0	C988	0	C989	2,187,380	C027	2,203,759	5.a.
		Structured financial products:
	b.	HT58	0	HT59	0	HT60	0	HT61	0	5.b.

6.	Other debt securities:
	.....................................................a. Other domestic debt securities	1737	0	1738	0	1739	0	1741	0	6.a.
	b. Other Foreign debt securities
	1742	0	1743	0	1744	2,000	1746	2,000	6.b.

7.	Investments in mutual funds and other equity securities with
	readily determinable fair values[1] .......................................................					A510	0	A511	0	7.


			BHCK						BHCT
8.	Total (sum of items 1 through 7) [5]......................................................	1754	15,250	1771	15,250	1772	34,410,886	1773	35,472,842	8.

Memoranda

		Dollar Amounts in Thousands	BHCK
1.	Pledged securities [2] .....................................................................................................................................................................................................................	0416	7,514,340	M.1.
2.	Remaining maturity or next repricing date of debt securities [3,4](Schedule HC-B, items 1 through 6.b in columns A and D above):

	a. 1 year and less ......................................................................................................................................................................................................................	0383	5,246,017	M.2.a.

	b. Over 1 year to 5 years ...........................................................................................................................................................................................................	0384	708,165	M.2.b.

	c.	Over 5 years ..........................................................................................................................................................................................................................	0387	29,533,910	M.2.c.
	Memorandum item 3 is to be completed semiannually in the June and December reports only.

3.	Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar year-to-date
	(report the amortized cost at date of sale or transfer) ...................................................................................................................................................................	1778	0	M.3.
4.	Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule HC-B, items 2, 3, 5 and 6):

	a.	Amortized cost .......................................................................................................................................................................................................................	8782	0	M.4.a.

	b.	Fair value ...............................................................................................................................................................................................................................	8783	0	M.4.b.

Item 7 is to be completed only by holding companies that have not adopted ASU2016-01, which includes provisions governing the accounting for investments in equity securities. See the instructions for further detail on ASU 2016-01.
Includesheld-to-maturity securities at amortized cost and available-for-sale securities at fair value.
Exclude investments in mutual funds and other equity securities with readily determinable fair values.
Report fixed rate debt securities by remaining maturity andfloating-rate debt securities by next repricing date.
For institutions that have adopted ASU2016-13, the total reported in column A must equal Schedule HC, item 2.a, plus Schedule HI-B, Part II, item column B. For institutions that have not adopted ASU 2016-13, the total reported in column A must equal Schedule HC, item 2.a. For all institutions, the total reported in column D must equal Schedule HC, item 2.b.

FR Y-9C

Page 20 of 71

Schedule HC-B-Continued

Memoranda-Continued

Held-to-Maturity

Available-for-Sale

(Column A)

(Column B)

(Column C)

(Column D)

Amortized Cost

Fair Value

Amortized Cost

Fair Value

Dollar Amounts in Thousands

BHCK

Memorandum item 5.a through 5.f are to be completed by holding compan

with $10 billion or more in total assets.[1]

5. Asset-backed securities (ABS) (sum of Memorandum

items 5.a through 5.f must equal Schedule HC-B, item 5.a):

Credit card receivables.....................................................................

B838

B839

B840

B841

M.5.a.

Home equity lines..............................................................................

B842

B843

B844

B845

M.5.b.

Automobile loans...............................................................................

B846

B847

B848

495,758

B849

507,786

M.5.c.

Other consumer loans…………………………………………………

B850

B851

B852

1,534,162

B853

1,535,318

M.5.d.

Commercial and industrial loans ......................................................

B854

B855

B856

B857

M.5.e.

Other .................................................................................................

B858

B859

B860

157,460

B861

160,655

M.5.f.

Memorandum item 6.a through 6.g are to be completed by holding compa

with $10 billion or more in total assets.[1]

6. Structured financial products by underlying collateral or reference

assets (for each column, sum of Memorandum items 6.a through 6.g

must equal Schedule HC-B, 5.b.)

a. Trust preferred securities issued by financial institutions ................

G348

G349

G350

G351

M.6.a.

b. Trust preferred securities issued by real estate investment trusts ..

G352

G353

G354

G355

M.6.b

c. Corporate and similar loans .............................................................

G356

G357

G358

G359

M.6.c.

d. 1-4 family residential MBS issued or guaranteed by U.S.

government-sponsored enterprises (GSEs) ....................................

G360

G361

G362

G363

M.6.d.

e. 1-4 family residential MBS not issued or guaranteed by GSEs ......

G364

G365

G366

G367

M.6.e.

f. Diversified (mixed) pools of structured financial products ...............

G368

G369

G370

G371

M.6.f.

Other collateral or reference assets .................................................

G372

G373

G374

G375

M.6.g.

1. 1. The $10 billion asset size test is based on the total assets reported as of the prior year June 30 report date.

FR Y-9C

Page 21 of 71

Schedule HC-C-Loans and Lease Financing Receivables

Do not deduct the allowance for loan and lease losses [1] from amounts reported in this schedule. Report (1) loans and leases held for s at the lower of cost or fair value, (2) loans and leases held for investment, net of unearned income, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper.

					(Column A)		(Column B)
					Consolidated	In Domestic Offices

			Dollar Amounts in Thousands	BHCK			BHDM
1. Loans secured by real estate ...................................................................	1410		38,950,313				1.
	a.	Construction, land development, and other land loans:				BHCK
		(1)	1-4 family residential construction loans ....................................				F158		531,079	1.a.(1)
		(2)	Other construction loans and all land development and other
			land loans....................................................................................				F159		4,277,989	1.a.(2)
							BHDM
	b.	Secured by farmland .........................................................................				1420		82,252	1.b.
	c.	Secured by 1-4 family residential properties:

		(1)	Revolving, open-end loans secured by 1-4 family residential
			properties and extended under lines of credit .............................				1797		5,492,098	1.c.(1)
		(2)	Closed-end loans secured by 1-4 family residential properties:

			(a) Secured by first liens ............................................................				5367		17,828,801	1.c.(2)(a)

			(b) Secured by junior liens .........................................................				5368		247,797	1.c.(2)(b)

	d. Secured by multifamily (5 or more) residential properties .................				1460		1,112,947	1.d.
	e.	Secured by nonfarm nonresidential properties:

		(1)	Loans secured by owner-occupied nonfarm nonresidential				BHCK
			properties ....................................................................................				F160		5,058,532	1.e.(1)

		(2) Loans secured by other nonfarm nonresidential properties ........				F161		4,317,615	1.e.(2)

							BHDM
2.	Loans to depository institutions and acceptances of other banks ...........				1288		11,560	2.
	a. To U.S. banks and other U.S. depository institutions ........................	1292		9,008				2.a.

	b.	To foreign banks ...............................................................................	1296		2,552				2.b.
3. Loans to finance agricultural production and other loans to farmers .......	1590		19,753	1590		19,753	3.
4.	Commercial and industrial loans .............................................................				1766		45,221,364	4.
	Holding companies with less than $5 billion in total assets should
	report data item 4.c and leave data items 4.a and 4.b blank.[2]
	a. To U.S. addressees (domicile) ..........................................................	1763		42,969,771				4.a.
	b. To non-U.S. addressees (domicile) ...................................................	1764		2,747,352				4.b.
	c.	To U.S. addressees (domicile) and non-U.S. addressees (domicile)	KX56						4.c.
5.	Not applicable

6.	Loans to individuals for household, family, and other personal
	expenditures (i.e., consumer loans) (includes purchased paper) ............				1975		16,848,906	6.
	a.	Credit cards .....................................................................................	B538		2,531,818				6.a.

	b.	Other revolving credit plans ..............................................................	B539		864,059				6.b.

	c.	Automobile loans ..............................................................................	K137		10,539,086				6.c.
	d.	Other consumer loans

		(includes single payment, installment, and all student loans) ...........	K207		2,913,943				6.d.
7.	Loans to foreign governments and official institutions

	(including foreign central banks)...............................................................	2081		0	2081		0	7.
8.	Not applicable

	Holding companies with less than $5 billion in total assets should
	report data item 9.b.(3) and leave data items 9.b.(1) and 9.b.(2) blank.[
9.	Loans to nondepository financial institutions and other loans:
	a. Loans to nondepository financial institutions .....................................	J454		2,381,258	J454		2,381,258	9.a.
	b.	Other loans

		(1)	Loans for purchasing or carrying securities
			(secured or unsecured)................................................................	1545		281,896	1545		281,896	9.b.(1)

		(2) All other loans (exclude consumer loans)....................................	J451		3,383,520	J451		3,383,469	9.b.(2)
		(3)	Loans for purchasing or carrying securities

			(secured and unsecured) and all other loans .............................	KX57			KX57		0	9.b.(3)
	Holding companies with less than $5 billion in total assets should

	report data item 10.c. and should leave data items 10.a. and 10.b. blan
10. Lease financing receivables (net of unearned income) ...........................				2165		2,974,983	10.
	a.	Leases to individuals for household, family, and other personal

		expenditures (i.e., consumer leases) ................................................	F162		0				10.a.

	b.	All other leases ..................................................................................	F163		3,363,122				10.b.
	c.	Lease finance receivables….............................................................	KX58		0				10.c.

Institutions that have adopted ASU2016-13 should not deduct the allowance for credit losses on loans and leases or the allocated leases or the allocated transfer risk reserve from amounts reported on this schedule.
Asset-sizetest is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 22 of 71

Schedule HC-C-Continued

	Dollar Amounts in Thousands	BHCK		BHDM
11.	LESS: Any unearned income on loans reflected in items 1-9 above	2123	0	2123	0
..............

12.	Total loans and leases held for investment and held for sale
	(sum of items 1 through 10 minus item 11) (total of column
	A must equal Schedule HC, sum of items 4.a and 4.b)……….	2122	110,957,451	2122	110,072,299

11.

12.

Memoranda

Dollar Amounts in Thousands BHDM

1. Loans restructured in troubled debt restructurings that are in compliance with their modified

terms (included in Schedule HC-C, and not reported as past due or nonaccrual in Schedule HC-N, Memorandum item 1):

HC-C memoranda items 1.a.(1) through 1.f.(3)(c) are to be completed semiannually in June and December by HCs with less than $5 billion total assets. These items are to be completed quarterly by HCs with $5 billion or more in total assets.[1]

a. Construction, land development, and other land loans in domestic offices:
(1)	1-4 family residential construction loans ...........................................................................				K158	6,454	M.1.a.(1)

(2)	All other construction loans and all land development and other land loans	......................	K159	38,501	M.1.a.(2)
b. Loans secured by 1-4 family residential properties in domestic offices .....................................	F576	704,964	M.1.b.

c. Secured by multifamily (5 or more) residential properties in domestic offices ............................	K160	0	M.1.c.
d. Secured by nonfarm nonresidential properties in domestic offices:

(1)	Loans secured by owner-occupied nonfarm nonresidential properties ..............................	K161	3,215	M.1.d.(1)

(2)	Loans secured by other nonfarm nonresidential properties	...............................................			K162	1,617	M.1.d.(2)

e. Commercial and industrial loans:				BHCK
Holding companies with less than $5 billion in total assets should report Memo item 1.e.(3)

(semiannually in June and December), and should leave data item 1.e.(1) and 1.e.(2) blank.[1]

(1)	To U.S. addressees (domicile) ..........................................	K163		11,041			M.1.e.(1)

(2)	To non-U.S. addressees (domicile) ...................................	K164		0			M.1.e.(2)
(3)	To U.S. addressees (domicile) and non-U.S addressees	KX59		0			M.1.e.(3)
(domicile)

All other loans (include loans to individuals for household, family, and other personal

........................................................................................................................expenditures) [1]	K165	28,128	M.1.f.
Itemize and describe loan categories included in Memorandum item 1.f, above that exceed

10 percent of total loans restructured in troubled debt restructurings that are in compliance
with their modified terms (sum of Memorandum items 1.a through 1.f):	BHDM

(1) Loans secured by farmland in domestic offices..................................................................	K166	0	M.1.f.(1)

		BHCK
(2) Loans to finance agricultural production and other loans to farmers...................................	K168	0	M.1.f.(2)

(3) Loans to individuals for household, family, and other personal expenditures:
(a)	Credit cards.................................................................................................................	K098	0	M.1.f.(3)(a)
(b)	Automobile loans ........................................................................................................	K203	0	M.1.f.(3)(b)

(c)	Other consumer loans (includes single payment, installment, all student loans,
	and revolving credit plans other than credit cards) .....................................................	K204	0	M.1.f.(3)(c)

g. Total loans restructured in troubled debt restructurings that are in compliance
with their modified terms (sum of Memorandum items 1.a.(1) through 1.f)………………………	HK25	793,920	M.1.g.
2. Loans to finance commercial real estate, construction, and land development activities (not
secured by real estate) included in Schedule HC-C, items 4 and 9, Column A, above............	2746	1,857,139	M.2.
To be completed by HCs with $5 billion or more in total assets.[1]
3. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule HC-C, item 1, column A) ...............................................................................	B837	15,730	M.3.
Memorandum item 4 is to be completed by (1) holding companies with $5 billion or more in total assets[
that,together with affiliated institutions, have outstanding credit card receivables (as defined
in the instructions) that exceed $500 million as of the report date or (2) holding companies that on a
consolidated basis are credit card specialty holding companies (as defined in the instructions).

4. Outstanding credit card fees and finance charges

(included in Schedule HC-C, item 6.a, Column A) ...........................................................................	C391	26,861	M.4.

1. Asset-size test is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 23 of 71

Schedule HC-C-Continued

Memoranda-Continued

Dollar Amounts in Thousands BHCK

Memorandum item 5 is to be completed by all holding companies.

Memorandum item 5.a and 5.b are to be completed semiannually in the June and December reports only.[1]

5. Purchased credit-impaired loans held for investment accounted for in accordance with FASB ASC310-30(former AICPA Statement of Position03-3)(exclude loans held for sale):

a.	Outstanding balance ........................................................................................................................................................................................	C779	672,071	M.5.a.

b. Amount included in Schedule HC-C, items 1 through 9 ......................................................................................................................	C780	551,008	M.5.b.
Memorandum item 6.a ,6.b. and 6.c are to be completed semiannually in the June and December reports only.

6. Closed-end loans with negative amortization features secured by 1-4 family residential
properties in domestic offices:
a.	Total amount of closed-end loans with negative amortization features secured
	by 1-4 family residential properties (included in Schedule HC-C, items 1.c.(2)(a) and (b)) ...........................	F230	0	M.6.a.

Memorandum items 6.b and 6.c are to be completed by holding companies that had closed-end loans with negative amortization features secured by 1- 4 family residential properties (as reported in Schedule HC-C, Memorandum item 6.a) as of December 31, 2018,

that exceeded the lesser of $100 million or 5 percent of total loans and leases, held for investment and held for sale, in domestic offices (as reported in Schedule HC-C, item 12, column B).

6. b. Total maximum remaining amount of negative amortization contractually permitted on

closed-end loans secured by 1-4 family residential properties ...............................................................................

F231

M.6.b.

Total amount of negative amortization onclosed-end loans secured by 1-4 family residential properties included in the amount reported in Memorandum item

	6.a above ...................................................................................................................................................................	F232	0	M.6.c.
7.-8.	Not applicable.
9. Loans secured by 1-4 family residential properties in domestic offices in process of	BHDM
foreclosure (included in Schedule HC-C, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b))...............................................................................	F577	212,882	M.9.
10.-11.	Not applicable.

1. Memorandum item 5 is to be completed only by holding companies that have not yet adopted ASU 2016-13.

FR Y-9C

Page 24 of 71

Schedule HC-C-Continued

Memoranda-Continued

(Column A)

(Column B)

(Column C)

Fair value of acquired

Gross contractual

Best estimate at

loans and leases at

amounts receivable at

acquisition date of con-

acquisition date

acquisition

tractual cash flows not

expected to be collected

Dollar Amounts in Thousands

BHCK

Memorandum item 12.a ,12.b. ,12.c and 12.d are to be completed

semiannually in the June and December reports only,Holding

companies with less than $5 billion in total assets should

report Memorandum item 12.e semiannually in June

and December and should leave 12.a, 12.b,12.c, and 12.d blank.[2]

12. Loans (not subject to the requirements of FASB ASC 310-30

(former AICPA Statement of Position 03-3)) [1] and

leases held for investment that are

acquired in business combinations with

acquisition dates in the current calendar

year:

a. Loans secured by real estate ......................

G091

4,939,241

G092

5,738,635

G093

78,258

M.12.a.

Commercial and industrial loans ..................

G094

6,252,708

G095

6,873,281

G096

56,380

M.12.b.

Loans to individuals for household,

family, and other personal expenditures .................

G097

837,598

G098

1,118,940

G099

17,164

M.12.c.

d. All other loans and all leases .......................

G100

444,154

G101

481,916

G102

4,715

M.12.d.

Loans and leases............................................................

KX60

KX61

KX62

M.12.e.

Dollar Amounts in Thousands

BHCK

13.

Not applicable

14.

Pledged loans and leases .......................................................................................................................................................................................

G378

65,268,808

M.14.

Institutions that have adopted ASU2016-13 should report only loans held for investment not considered purchased credit-deteriorated in Memorandum item 12.
Asset-sizetest is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 25 of 71

Schedule HC-D-Trading Assets and Liabilities

Schedule HC-D is to be completed by holding companies with $5 billion or more in total assets [1] that reported total trading assets of $10 million or more in any of the four preceding calendar quarters.


				Amount

		Dollar Amounts in Thousands	BHCM
Assets
1.	U.S. Treasury securities ...............................................................................	3531	1,771	1.

2. U.S. government agency obligations (exclude mortgage-backed securities)	3532	199	2.

3. Securities issued by states and political subdivisions in the U.S. .................	3533	9,239	3.
4.	Mortgage-backed securities (MBS):

	a. Residential pass-through securities issued or guaranteed by	BHCK
	FNMA, FHLMC, or GNMA .......................................................................	G379	0	4.a.
	b. Other residential mortgage-backed securities issued or

	guaranteed by U.S. Government agencies or sponsored agencies [2]
	(include CMOs, REMICs and stripped MBS)............................................	G380	54,996	4.b.

	c. All other residential mortgage-backed securities ......................................	G381	1	4.c.
	d. Commercial MBS issued or guaranteed by U.S. Government

	agencies or sponsored agencies [2] ........................................................	K197	0	4.d.

	e. All other commercial MBS ........................................................................	K198	0	4.e.
5.	Other debt securities

	a. Structured financial products	HT62	0	5.a.

	b. All other debt securities	G386	162,053	5.b.
6.	Loans:

	a. Loans secured by real estate
	(1) Loans secured by 1-4 family residential properties	HT63	0	6.a.(1)

	(2) All other loans secured by real estate	HT64	0	6.a.(2)

	b. Commercial and industrial loans ..............................................................	F614	0	6.b.
	c. Loans to individuals for household, family, and other personal

	expenditures (i.e., consumer loans) (includes purchased paper):	HT65	0	6.c.

	d. Other loans ..............................................................................................	F618	0	6.d.

7.-8. Not applicable	BHCM
9.	Other trading assets.....................................................................................	3541	546,302	9.
10.	Not applicable

11.	Derivatives with a positive fair value.............................................................	3543	1,032,779	11.

12.	Total trading assets (sum of items 1 through 11)	BHCT
	(total of Column A must equal Schedule HC, item 5)....................................	3545	1,807,340	12.
Liabilities


13. a. Liabilities	BHCK
	(1) Equity securities ................................................................................	G209	0	13.a.(1)

	(2)	Debt securities ..................................................................................	G210	145,616	13.a.(2)

	(3)	All other assets .................................................................................	G211	3,480	13.a.(3)

	b. All other trading liabilities..........................................................................	F624	0	13.b.

14. Derivatives with a negative fair value ...........................................................	3547	568,975	14.

15.	Total trading liabilities (sum of items 13.a through 14)	BHCT
	(total of column A must equal Schedule HC, item 15) ..................................	3548	718,071	15.

Asset-sizetest is based on the total assets reported as of prior year June 30 report date.
U.S. Government agencies include, but are not limited to, such agencies as the Government National Mortgage Association (GNMA), the Federal Deposit Insurance Corporation (FDIC), and the National Credit Union Administration (NCUA). U.S.Government-spon- sored agencies include, but are not limited to, such agencies as the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal National Mortgage Association (FNMA).

FR Y-9C

Page 26 of 71

Schedule HC-D-Continued

Memoranda

	Dollar Amounts in Thousands	BHCK
1.	Unpaid principal balance of loans measured at fair value
(reported in Schedule HC-D, items 6.a.1 through 6.d.)

	a. Loans secured by real estate
	(1) Loans secured by 1-4 family residential properties	HT66	0	M.1.a.(1)

	(2) All other loans secured by real estate	HT67	0	M.1.a.(2)

	b. Commercial and industrial loans ........................................................	F632	0	M.1.b.
	c. Loans to individuals for household, family, and other personal

	expenditures (i.e., consumer loans) (includes purchased paper):	HT68	0	M.1.c.

	d. Other loans .........................................................................................	F636	0	M.1.d.
2.	Memorandum items 2 through 10 are to be completed by holding com

panies with $10 billion or more in total trading assets [1]

	Loans measured at fair value that are past due 90 days or more:
	a. Fair value ...........................................................................................	F639	0	M.2.a.

	b. Unpaid principal balance ....................................................................	F640	0	M.2.b.
3. Structured financial products by underlying collateral or reference

	assets (for each column, sum of Memorandum items 3.a through
	3.g must equal Schedule HC-D, sum of items 5.a.)
	a. Trust preferred securities issued by financial institutions....................	G299	0	M.3.a.

	b. Trust preferred securities issued by real estate investment trusts......	G332	0	M.3.b.

	c. Corporate and similar loans................................................................	G333	0	M.3.c.
	d. 1-4 family residential MBS issued or guaranteed by U.S.

	government-sponsored enterprises (GSEs)........................................	G334	0	M.3.d.

	e. 1-4 family residential MBS not issued or guaranteed by GSEs..........	G335	0	M.3.e.

	f. Diversified (mixed) pools of structured financial products...................	G651	0	M.3.f.

	g. Other collateral or reference assets....................................................	G652	0	M.3.g.
4.	Pledged trading assets:

	a. Pledged securities.............................................................................	G387	577,040	M.4.a.

	b. Pledged loans ....................................................................................	G388	0	M.4.b.
5. Asset-backed securities:

	a. Credit card receivables.......................................................................	F643	0	M.5.a.

	b. Home equity lines ...............................................................................	F644	0	M.5.b.

	c. Automobile loans ...............................................................................	F645	0	M.5.c.

	d. Other consumer loans ........................................................................	F646	0	M.5.d.

	e. Commercial and industrial loans ........................................................	F647	0	M.5.e.

	f. Other ..................................................................................................	F648	0	M.5.f.
6.	Not applicable

7.	Equity securities:
	a. Readily determinable fair values ......................................................	F652	477,874	M.7.a.

	b. Other ..................................................................................................	F653	0	M.7.b.

8.	Loans pending securitization ..................................................................	F654	0	M.8.

1.The $10 billion trading asset-size test is based on total trading assets reported as of prior year June 30 report date.

FR Y-9C

Page 27 of 71

Schedule HC-D-Continued

Memoranda-Continued

	Dollar Amounts in Thousands	BHCK
9. a. (1)	Gross fair value of commodity contracts .................................................................................	G212	0	M.9.a.(1)

(2)	Gross fair value of physical commodities held in inventory .....................................................	G213	0	M.9.a.(2)

Other trading assets (itemize and describe amounts included in ScheduleHC-D, item 9, column A (other than amounts included in Memoranda items 9.a.(1) and 9.a.(2) above) that are greater than $1,000,000 and exceed 25 percent of item 9 less Memoranda items 9.a.(1) and 9.a.(2)): [1]

(1)	BHTX	F655	0	M.9.b.(1)
F655

(2)	BHTX	F656	0	M.9.b.(2)
F656

(3)	BHTX	F657	0	M.9.b.(3)
F657

10. Other trading liabilities (itemize and describe amounts included in Schedule HC-D, item 13.b that are greater than $1,000,000 and exceed 25 percent of the item)

a.	BHTX	F658	0	M.10.a.
F658

b.	BHTX	F659	0	M.10.b.
F659

c.	BHTX	F660	0	M.10.c.
F660

1.Exclude equity securities.

			FR Y-9C
			Page 28 of 71
Schedule HC-E-Deposit Liabilities[1]

Dollar Amounts in Thousands	BHCB
1. Deposits held in domestic offices of commercial bank subsidiaries of the reporting
holding company:
a. Noninterest-bearing balances [2] ..........................................................................................	2210	9,330,450	1.a.

b. Interest-bearing demand deposits, NOW, ATS, and other transaction accounts ..................	3187	3,692,787	1.b.

c. Money market deposit accounts and other savings accounts ...............................................	2389	105,186,047	1.c.

d. Time deposits of $250,000 or less .................................................................................	HK29	8,195,397	1.d.

e. Time deposits of more than $250,000.............................................................................	J474	743,694	1.e.
2. Deposits held in domestic offices of other depository institutions that are subsidiaries of the

reporting holding company:	BHOD
a. Noninterest-bearing balances [2] ..........................................................................................	3189	0	2.a.

b. Interest-bearing demand deposits, NOW, ATS, and other transaction accounts ..................	3187	0	2.b.

c. Money market deposit accounts and other savings accounts ...............................................	2389	0	2.c.

d. Time deposits of $250,000 or less ................................................................................	HK29	0	2.d.

e. Time deposits of more than $250,000.............................................................................	J474	0	2.e.

Memoranda

	Dollar Amounts in Thousands	BHDM
1.	Brokered deposits $250,000 or less with a remaining maturity of one year or less......................	HK06	5,144,085	M.1.

2.	Brokered deposits $250,000 or less with a remaining maturity of more than one year................	HK31	193,271	M.2.

3.	Time deposits of more than $250,000 with a remaining maturity of one year or less...................	HK32	663,693	M.3.

		BHFN
4.	Foreign office time deposits with a remaining maturity of one year or less .................................	A245	0	M.4.

The sum of items 1.a through 1.e and items 2.a through 2.e. must equal the sum of Schedule HC, items 13.a.(1) and 13.a.(2).
Includesnoninterest-bearing demand, time, and savings deposits.

Schedule HC-F-Other Assets [1]

	Dollar Amounts in Thousands	BHCK
1.	Accrued interest receivable [2] ...................................................................................................	B556	424,076	1.

2.	Net deferred tax assets [3] .........................................................................................................	2148	1,229	2.

3.	Interest-only strips receivable (not in the form of a security) [4]………………………………..	HT80	0	3.

4.	Equity investments without readily determinable fair values [5]………………………………..	1752	875,839	4.
5.	Life insurance assets:

	a. General account life insurance assets ..................................................................................	K201	543,351	5.a.

	b. Separate account life insurance assets ................................................................................	K202	548,448	5.b.

	c. Hybrid account life insurance assets ....................................................................................	K270	867,792	5.c.

6.	Other...........................................................................................................................................	2168	4,824,472	6.

		BHCT
7.	Total (sum of items 1 through 6) (must equal Schedule HC, item 11) ........................................	2160	8,085,207	7.

Institutions that have adopted ASU2016-13 should report asset amounts in Schedule HC-F net of any applicable allowance for credit losses.
Include accrued interest receivable on loans, leases, debt securities, and otherinterest-bearing assets.Exclude accrued interest receivables on interest-bearing assets that are reported elsewhere on the balance sheet.
See discussion of deferred income taxes in Glossary entry on ''income taxes.''
Reportinterest-only strips receivable in the form of a security as available-for-sale securities in Schedule HC, item 2.b, or as trading assets in Schedule HC, item 5, as appropriate.
Include Federal Reserve stock, Federal Home Loan Bank stock, and bankers' bank stock.

FR Y-9C

Page 29 of 71

Schedule HC-G-Other Liabilities

		Dollar Amounts in Thousands	BHCK
1.	Not applicable
2.	Net deferred tax liabilities [1] ...............................................................................................................	3049	839,110	2.

3.	Allowance for credit losses on off-balance sheet credit exposures [2]...............................................	B557	143,585	3.

4.	Other ....................................................................................................................................................	B984	2,855,787	4.

			BHCT
5.	Total (sum of items 2 through 4) (must equal Schedule HC, item 20) ...............................................	2750	3,838,482	5.

1.	See discussion of deferred income taxes in Glossary entry on ''income taxes.''
2.	Holding companies that have adopted ASU 2016-13 should report in Schedule HC-G,

item 3, the allowance for credit losses on those off-balance sheet credit exposures that fall within the scope of the standard.

Schedule HC-H-Interest Sensitivity [1]

	Dollar Amounts in Thousands	BHCK
1.	Earning assets that are repriceable within one year or mature within one year .................................	3197	76,485,591	1.
2.	Interest-bearing deposit liabilities that reprice within one year or mature within one year included i

	item 13.a.(2) and 13.b.(2) on Schedule HC, Balance Sheet ..............................................................	3296	7,853,687	2.
3.	Long-term debt that reprices within one year included in items 16 and 19.a on Schedule HC,

	Balance Sheet ......................................................................................................................................	3298	598,962	3.

4.	Variable-rate preferred stock (includes both limited-life and perpetual preferred stock) ...................	3408	0	4.
5.	Long-term debt reported in Schedule HC, item 19.a on the Balance Sheet that is scheduled to

	mature within one year ........................................................................................................................	3409	0	5.

1. Holding companies with foreign offices have the option of excluding the smallest of such non-U.S. offices from coverage in this schedule. Such holding companies may omit the smallest of their offices in foreign countries when arrayed by total assets provided that the assets of the excluded offices do not exceed 50 percent of the total assets of the holding company's assets in foreign countries and 10 percent of the holding company's total consolidated assets as of the report date.

FR Y-9C

Page 30 of 71

Schedule HC-I-Insurance-Related Underwriting Activities (Including Reinsurance)

Schedule HC-I must be completed by all top-tier holding companies. (See instructions for additional information.)

I. Property and Casualty Underwriting

Item 1 is to be completed by holding companies with $10,000,000 or more in reinsurance recoverables as of the effective date

each quarter.
	Dollar Amounts in Thousands	BHCK
Assets
1.	Reinsurance recoverables ..........................................................................................................	B988		1.

2.	Total assets.................................................................................................................................	C244	28,392	2.
Liabilities

3.	Claims and claims adjustment expense reserves........................................................................	B990	0	3.

4.	Unearned premiums....................................................................................................................	B991	0	4.


5.	Total equity..................................................................................................................................	C245	28,385	5.


6.	Net income..................................................................................................................................	C246	-134	6.

Life and Health Underwriting
Item 1 is to be completed by holding companies with $10,000,000 or more in reinsurance recoverables as of the effective date each quarter.

	Dollar Amounts in Thousands	BHCK
Assets
1.	Reinsurance recoverables...........................................................................................................	C247		1.

2.	Separate account assets.............................................................................................................	B992	0	2.

3.	Total assets.................................................................................................................................	C248	52	3.
Liabilities

4.	Policyholder benefits and contractholder funds............................................................................	B994	0	4.

5.	Separate account liabilities..........................................................................................................	B996	0	5.


6.	Total equity..................................................................................................................................	C249	49	6.


7.	Net income..................................................................................................................................	C250	5	7.

					FR Y-9C
					Page 31 of 71
Schedule HC-K-Quarterly Averages

			Dollar Amounts in Thousands	BHCK
Assets
1.	Securities:
	a.	U.S. Treasury securities and U.S. government agency obligations
		(excluding mortgage-backed securities) [1]............................................................................	B558	74,097	1.a.

	b.	Mortgage-backed securities [1]..............................................................................................	B559	32,613,923	1.b.
	c.	All other debt securities [1] and equity securities with readily determinable

		fair values not held for trading [2] .........................................................................................	B560	2,258,757	1.c.

2.	Federal funds sold and securities purchased under agreements to resell ....................................	3365	482	2.

				BHDM
3.	a.	Total loans and leases in domestic offices ............................................................................	3516	110,512,354	3.a.

		(1) Loans secured by 1-4 family residential properties ..........................................................	3465	23,483,148	3.a.(1)

		(2) All other loans secured by real estate .............................................................................	3466	15,239,221	3.a.(2)

		(3) Loans to finance agricultural production and other loans to farmers.................................	3386	16,767	3.a.(3)

		(4)	Commercial and industrial loans .....................................................................................	3387	45,385,396	3.a.(4)
		(5)	Loans to individuals for household, family, and other personal expenditures:

			(a) Credit cards................................................................................................................	B561	2,496,440	3.a.(5)(a)
			(b) Other (includes single payment, installment other than auto loans, all student loans,

			and revolving credit plans other than credit cards......................................................	B562	14,055,111	3.a.(5)(b)

				BHFN
	b.	Total loans and leases in foreign offices, Edge and agreement subsidiaries, and IBFs .........	3360	472,864	3.b.

				BHCK
Item 4(a) is to be completed by holding companies with $5 billion or more in total assets and total
trading assets of $10 million or more in any of the four preceding calendar quarters. [3]
4.	a.	Trading assets .......................................................................................................................	3401	2,007,363	4.a.

	b.	Other earning assets .............................................................................................................	B985	2,578,419	4.b.

5.	Total consolidated assets [4]........................................................................................................	3368	168,037,465	5.
Liabilities

6.	Interest-bearing deposits (domestic) [5] .......................................................................................	3517	89,909,661	6.

7.	Interest-bearing deposits (foreign) [5] ..........................................................................................	3404	495,734	7.

8.	Federal funds purchased and securities sold under agreements to repurchase ...........................	3353	1,703,634	8.

9.	All other borrowed money ............................................................................................................	2635	12,377,786	9.
10.	Not applicable

Equity Capital
11.	Total equity capital (excludes limited-life preferred stock) ............................................................	3519	21,304,108	11.

Quarterly averages for all debt securities should be based on amortized cost.
For holding companies that have adopted ASU2016-01, which includes provisions governing the accounting for investments in equity securities, quarterly averages for equity securities with readily determinable fair values should be based on fair value. For holding companies that have not adopted ASU 2016-01, quarterly averages for equity securities with readily determinable fair values should
be based on historical cost.
Asset-sizeis test based on the total assets reported as of prior year June 30 report date.
The quarterly average for total assets should reflect securities not held for trading as follows:
1. Debt securities at amortized cost.
2. For holding companies that have adopted ASU2016-01, equity securities with readily determinable fair values should be reported at fair value. For holding companies that have not adopted ASU 2016-01,
  equity securities with readily determinable fair values should be reported at the lower of cost or fair value.
3. For holding companies that have adopted ASU2016-01, equity investments without readily determinable fair values should be reported at their balance sheet carrying values (i.e., fair value or, if elected,
  cost minus impairment, if any, plus or minus changes resulting from observable price changes). For holding companies that have not adopted ASU 2016-01, equity investments without readily determinable fair values should be reported at historical cost.
Includesinterest-bearing demand deposits.

For Federal Reserve Bank Use Only	FR Y-9C
	Page 32 of 71

C.I.

Schedule HC-L-Derivatives and Off-Balance-Sheet Items

Report only transactions with nonrelated institutions

Dollar Amounts in Thousands BHCK

1. Unused commitments (report only the unused portions of commitments that are fee paid or otherwise legally binding):

a. Revolving, open-end loans secured by 1-4 family residential properties, (e.g., home equity lin	3814	7,820,5	1.a.
1.b.(1) and 1.b.(2) are to be completed by HCs with $5 billion or more in total assets [1]

semianually in the June and December reports only.

b.	(1) Unused consumer credit card lines.....................................................................................			J455	12,787,	1.b.(1)

	(2)	Other unused credit card lines............................................................................................			J456	2,960,1	1.b.(2)
c.	(1)	Commitments to fund commercial real estate, construction, and land development loans
	secured by real estate (sum of items 1.c.(1)(a) and (b) must equal item 1.c.(1)) ......................		3816	4,340,0	1.c.(1)


		(a) 1-4 family residential construction loan commitments ................	F164	397,411			1.c.(1)(a)
		(b) Commercial real estate, other construction loan, and land
		development loan commitments .................................................	F165	3,942,606			1.c.(1)(b)

	(2)	Commitments to fund commercial real estate, construction, and land development loans
		NOT secured by real estate ...............................................................................................			6550	1,119,3	1.c.(2)
	Item 1(d) is to be completed by HCs with $5 billion or more in total assets.[1]

d. Securities underwriting .............................................................................................................			3817	27,834	1.d.
	................................................
e.	Other unused commitments:

	(1)	Commercial and industrial loans ........................................................................................			J457	39,328,	1.e.(1)

	(2)	Loans to financial institutions .............................................................................................			J458	2,612,0	1.e.(2)

	(3)	All other unused commitments ..........................................................................................			J459	4,797,2	1.e.(3)

2. Financial standby letters of credit and foreign office guarantees ....................................................			6566	1,192,4	2.
Item 2.a is to be completed by holding companies with $5 billion in total assets.[1]


a. Amount of financial standby letters of credit conveyed to others ..............................................			3820	14,005	2.a.

3. Performance standby letters of credit and foreign office guarantees ..............................................			6570	954,44	3.
Item 3.a is to be completed by holding companies with $5 billion in total assets.[1]


a. Amount of performance standby letters of credit conveyed to others .......................................			3822	0	3.a.

4. Commercial and similar letters of credit .........................................................................................			3411	4,295	4.

Not applicable
Securities:

a.	..........................................................................................................................Securities lent			3433	0	6.a.

b.	Securities borrowed..................................................................................................................			3432	0	6.b.
Items 7.a. through 7.d.(2)(b) are to be reported by HCs with $5 billion or

(Column A)	(Column B)
more in total assets.[1]

7. Credit derivatives:	Sold Protection	Purchased Prot

a. Notional amounts:	BHCK		BHCK
	(1)	Credit default swaps .........................................................................	C968	0	C969	0	7.a.(1)

	(2)	Total return swaps ............................................................................	C970	0	C971	0	7.a.(2)

	(3)	Credit options ...................................................................................	C972	0	C973	0	7.a.(3)

	(4)	Other credit derivatives .....................................................................	C974	3,943,656	C975	1,365,1	7.a.(4)
b.	Gross fair values:

	(1)	Gross positive fair value ...................................................................	C219	0	C221	0	7.b.(1)

	(2)	Gross negative fair value ..................................................................	C220	8,206	C222	0	7.b.(2)

1. The $5 billion asset size test is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 33 of 71

Schedule HC-L-Continued

Report only transactions with nonrelated institutions

BHCK

7. c. Notional amounts by regulatory capital treatment: [2]

(1)

Positions covered under the Market Risk Rule:

(a)

Sold protection ............................................................................................................

G401

7.c.(1)(a)

(b)

Purchased protection ..................................................................................................

G402

7.c.(1)(b)

(2)

All other positions:

(a)

Sold protection ............................................................................................................

G403

3,943,656

7.c.(2)(a)

(b) Purchased protection that is recognized as a guarantee for regulatory capital

purposes .....................................................................................................................

G404

1,365,147

7.c.(2)(b)

purposes .....................................................................................................................

G405

7.c.(2)(c)

Remaining Maturity of:

(Column A)

(Column B)

(Column C)

One year or less

Over One Year Through

Over Five Years

Five Years

Dollar Amounts in Thousands

BHCK

7. d. Notional amounts by remaining maturity:

(1)

Sold credit protection: [3]

(a)

Investment grade .......................

G406

376,904

G407

1,062,594

G408

421,985

7.d.(1)(a)

(b)

Subinvestment grade .................

G409

180,672

G410

1,352,239

G411

549,262

7.d.(1)(b)

(2)

Purchased credit protection: [4]

(a)

Investment grade .......................

G412

101,922

G413

184,705

G414

208,648

7.d.(2)(a)

(b)

Subinvestment grade .................

G415

29,026

G416

738,267

G417

102,579

7.d.(2)(b)

BHCK

Item 8 is to be completed by holding companies with foreign offices and by holding companies

with domestic offices only and $100 billion or more in total consolidated assets.[1]

8. Spot foreign exchange contracts ....................................................................................................

8765

363,412

9. All other off-balance-sheet items (exclude derivatives) (include in item 9 the aggregate

amount all other off-balance-sheet items that individually exceed 10 percent of Schedule HC,

item 27.a, ''Total holding company equity capital'') (itemize and describe in items 9.a through

9.f only amounts that exceed 25 percent of Schedule HC, item 27.a).............................................

3430

a. Commitments to purchase when-issued securities....................................................................

3434

9.a.

b. Commitments to sell when-issued securities.............................................................................

3435

9.b.

TEXT

6561

9.c.

TEXT

6562

9.d.

TEXT

6568

9.e.

TEXT

6586

9.f.

10. Not applicable

The $100 billion asset size test is based on the total assets reported as of prior year June 30 report date. Sum of items 7.c.(1)(a) and 7.c.(2)(a), must equal sum of items 7.a.(1) through (4), column A. Sum of items
7.c.(1)(b), 7.c.(2)(b), and 7.c.(2)(c) must equal sum of items 7.a.(1) through (4), column B.
Sum of items 7.d.(1)(a) and (b), column A through C, must equal sum of items 7.a.(1) through (4), column A.
Sum of items 7.d.(2)(a) and (b), column A through C, must equal sum of items 7.a.(1) through (4), column B.

								FR Y-9C
								Page 34 of 71
Schedule HC-L-Continued

				(Column A)	(Column B)	(Column C)	(Column D)
				Interest Rate	Foreign Exchange	Equity Derivative	Commodity and
	Dollar Amounts in Thousands		Contracts	Contracts	Contracts	Other Contracts

Derivatives Position Indicators
Items 11.a. through 14.b.(2)
	are to be completed by
holding companies with $5
billion or more in total assets. [1]

11. Gross amounts (e.g.,
notional amounts) (for each
column, sum of items 11.a
through 11.e must equal
sum of items 12 and 13):
	BHCK 8693	BHCK 8694	BHCK 8695	BHCK 8696

a. Futures contracts ...................		0	0	0	1,016,352	11.a.

				BHCK 8697	BHCK 8698	BHCK 8699	BHCK 8700

b.	Forward contracts ..................		2,950,654	4,882,815	0	0	11.b.
c.	Exchange-traded

	option contracts:		BHCK 8701	BHCK 8702	BHCK 8703	BHCK 8704

	(1)	Written options ................		0	0	0	68,760	11.c.(1)

				BHCK 8705	BHCK 8706	BHCK 8707	BHCK 8708

	(2)	Purchased options ...........		46,800	0	0	63,630	11.c.(2)
d. Over-the-counter

	option contracts:		BHCK 8709	BHCK 8710	BHCK 8711	BHCK 8712

	(1)	Written options ................		8,508,425	599,693	0	1,351,095	11.d.(1)

				BHCK 8713	BHCK 8714	BHCK 8715	BHCK 8716

	(2)	Purchased options ...........		15,873,149	604,885	0	1,357,752	11.d.(2)
				BHCK 3450	BHCK 3826	BHCK 8719	BHCK 8720

e. Swaps ....................................		65,986,363	7,887,716	3,082,283	4,667,688	11.e.
12. Total gross notional

amount of derivative con-		BHCK A126	BHCK A127	BHCK 8723	BHCK 8724

tracts held for trading....................		70,260,376	13,975,109	0	8,525,277	12.
13. Total gross notional

amount of derivative con-
tracts held for purposes		BHCK 8725	BHCK 8726	BHCK 8727	BHCK 8728

other than trading ........................		23,105,015	0	3,082,283	0	13.
14. Gross fair values of

derivative contracts:
a. Contracts held for
	trading:
	(1)	Gross positive fair
		BHCK 8733	BHCK 8734	BHCK 8735	BHCK 8736

	value ....................................		597,240	163,988	0	271,165	14.a.(1)
	(2)	Gross negative fair		BHCK 8737	BHCK 8738	BHCK 8739	BHCK 8740

	value ....................................		139,670	150,136	0	270,329	14.a.(2)
b. Contracts held for pur-

	poses other than
	trading:
	(1)	Gross positive fair
		BHCK 8741	BHCK 8742	BHCK 8743	BHCK 8744
		value ...............................		639,956	0	0	0	14.b.(1)
	(2)	Gross negative fair
		BHCK 8745	BHCK 8746	BHCK 8747	BHCK 8748

		value ................................		9,273	0	162,792	0	14.b.(2)

9,273	0	162,792	0
139,670.38	150,136.05	0	270,328.5
1. Asset-size is test based on the total assets reported as of	prior year June 30 report date.

FR Y-9C

Page 35 of 71

Schedule HC-L-Continued

Item 15 is to be completed only by holding companies with total assets of $10 billion or more. [1]

(Column A)

(Column C)

(Column D)

(Column E)

Banks and Securities

Hedge Funds

Sovereign Governments

Corporations and

Firms

All Other Counterparties

Dollar Amounts in Thousands

BHCK

15. Over-the counter derivatives:

a. Net current credit exposure ........................

G418

512,370

G420

G421

G422

736,091

15.a.

b. Fair value of collateral:

(1)

Cash-U.S. dollar ................................

G423

704,979

G425

G426

G427

3,834

15.b.(1)

(2)

Cash-Other currencies .......................

G428

G430

G431

G432

15.b.(2)

(3)

U.S. Treasury securities .......................

G433

G435

G436

G437

15.b.(3)

(4)

U.S. government agency and U.S.

government-sponsored agency debt

securities...............................................

G438

G440

G441

G442

15.b.(4)

(5)

Corporate bonds ..................................

G443

G445

G446

G447

15.b.(5)

(6)

Equity securities ...................................

G448

G450

G451

G452

15.b.(6)

(7)

All other collateral ................................

G453

G455

G456

G457

1,508

15.b.(7)

(8)

Total fair value of collateral

(sum of items 15.b.(1) through (7)) .......

G458

704,979

G460

G461

G462

5,342

15.b.(8)

1. The $10 billion asset size test is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 36 of 71

Schedule HC-M-Memoranda

		Dollar Amounts in Thousands	BHCK
1.	Total number of holding company common shares	Number (Unrounded)
	outstanding ............................................................................................	3459		708,915,629			1.

2.	Debt maturing in one year or less (included in Schedule HC, items 16 and 19.a) that is
	issued to unrelated third parties by bank subsidiaries................................................................................				6555	1,891,776	2.
3.	Debt maturing in more than one year (included in Schedule HC, items 16 and 19.a) that is

	issued to unrelated third parties by bank subsidiaries................................................................................				6556	5,684,813	3.

4.	Other assets acquired in satisfaction of debts previously contracted ........................................................				6557	9,754	4.
5.	Securities purchased under agreements to resell offset against securities sold under

	agreements to repurchase on Schedule HC..............................................................................................				A288	0		5.

6Assets covered by loss-sharing agreements with the FDIC:

Items 6.a.(1)(a)(1) though 6.d. are to be completed by HCs with $5 billion or more in total assets.[1]

Loans and leases (included in Schedule HC, items 4.a and 4.b):
1. Loans secured by real estate in domestic offices:

(a) Construction, land development, and other land loans:	BHDM
(1)	1-4 family residential construction loans..........................................................................	K169	0	6.a.(1)(a)(1)

(2)	Other construction loans and all land development and other land loans ........................	K170	0	6.a.(1)(a)(2)
(b) Secured by farmland ..............................................................................................................	K171	0	6.a.(1)(b)

Secured by1-4 family residential properties:
1. Revolving,open-end loans secured by 1-4 family residential properties and

			extended under lines of credit .........................................................................................	K172	0	6.a.(1)(c)(1)
		(2)	Closed-end loans secured by 1-4 family residential properties:

			(a) Secured by first liens.................................................................................................	K173	0	6.a.(1)(c)(2)(a)

			(b) Secured by junior liens ..............................................................................................	K174	0	6.a.(1)(c)(2)(b)
	(d)	Secured by multifamily (5 or more) residential properties ......................................................	K175	0	6.a.(1)(d)
	(e)	Secured by nonfarm nonresidential properties:

		(1)	Loans secured by owner-occupied nonfarm nonresidential properties ............................	K176	0	6.a.(1)(e)(1)

		(2)	Loans secured by other nonfarm nonresidential properties .............................................	K177	0	6.a.(1)(e)(2)

(2)-(4)	Not Applicable	BHCK
(5)	All other loans and leases.............................................................................................................	K183	0	6.a.(5)

b. Other real estate owned (included in Schedule HC, item 7):	BHDM
(1)	Construction, land development, and other land in domestic offices ............................................	K187	0	6.b.(1)

(2)	Farmland in domestic offices .......................................................................................................	K188	0	6.b.(2)
(3)	1-4 family residential properties in domestic offices ....................................................................	K189	0	6.b.(3)

(4)	Multifamily (5 or more) residential properties in domestic offices..................................................	K190	0	6.b.(4)

(5)	Nonfarm nonresidential properties in domestic offices .................................................................	K191	0	6.b.(5)

1. Asset-size test is based on the total assets reported as of prior year June 30 report date.

							FR Y-9C
							Page 37 of 71
Schedule HC-M-Continued
	Dollar Amounts in Thousands	BHFN
6.	b. (6) In foreign offices ..............................................................................................................................	K260			0	6.b.(6)
	(7) Portion of covered other real estate owned included in items 6.b.(1) through (6) above that	BHCK
	is protected by FDIC loss-sharing agreements ..............................................................................	K192			0	6.b.(7)

	c. Debt securities (included in Schedule HC, items 2.a and 2.b) ...............................................................	J461			0	6.c.

	d. Other assets (exclude FDIC loss-sharing indemnification assets) .........................................................	J462			0	6.d.
Item 7.a and 7.b are to be completed annually in the December report only.

7.	Captive insurance and reinsurance subsidiaries:
	a. Total assets of captive insurance subsidiaries [1] ..................................................................................	K193			0	7.a.

	b. Total assets of captive reinsurance subsidiaries [1] ...............................................................................	K194			28,445	7.b.


8.	Has the holding company entered into a business combination during the calendar year that was		0=No	BHCK
	accounted for by the purchase method of accounting? (Enter ''1'' for Yes; enter ''0'' for No.) ....................................		1=Yes	C251		0	8.


9.	Has the holding company restated its financial statements during the last quarter as a result of new or		0=No	BHCK

	revised Statements of Financial Accounting Standards? (Enter ''1'' for Yes; enter ''0'' for No.) .................................		1=Yes	6689		0	9.

Not applicable
Have all changes in investments and activities been reported to the Federal Reserve on the Report of

Changes in Organizational Structure (FR Y-10)? Holding companies must not leave blank or enter

'N/A.' The holding company must enter '1' for yes or for no changes to report; or enter '0' for no.

0=No

BHCK

If the answer to this question is no, complete the FR Y-10 .....................................................................................

1=Yes

6416

11.

TEXT

Alex Gose, Regulatory Reporting Manager

513-534-5390

6428

Name of Holding Company Official Verifying FR Y-10 Reporting (Please Type or Print)

Area Code / Phone Number (TEXT 9009)

BHCK

12. Intangible assets :

a. Mortgage servicing assets .......................................................................................................................

3164

993,076

12.a.

(1) Estimated fair value of mortgage servicing assets ......................

6438

993,076

12.a.(1)

Goodwill

3163

4,252,376

12.b.

All other intangible assets........................................................................................................................

JF76

201,082

12.c.

BHCT

d. Total (sum of items 12.a, 12.b, and 12.c) (must equal Schedule HC, item 10.) .....................................

2143

5,446,534

12.d.

13. Other real estate owned ................................................................................................................................

2150

54,485

13.

14. Other borrowed money:

BHCK

Commercial paper....................................................................................................................................

2309

14.a.

b. Other borrowed money with a remaining maturity of one year or less....................................................

2332

3,002,056

14.b.

c. Other borrowed money with a remaining maturity of more than one year ..............................................

2333

9,457,742

14.c.

BHCT

d. Total (sum of items 14.a, 14.b, and 14.c) (must equal Schedule HC, item 16).......................................

3190

12,459,798

14.d.

15. Does the holding company sell private label or third-party mutual funds and annuities?

0=No

BHCK

(Enter ''1'' for Yes; enter ''0' for No.) .............................................................................................................................

1=Yes

B569

15.

BHCK

16. Assets under management in proprietary mutual funds and annuities ........................................................

B570

16.

1. Report total assets before eliminating intercompany transactions between the consolidated insurance or reinsurance subsidiary and other offices or consolidated subsidiaries of the reporting holding company.

				FR Y-9C
				Page 38 of 71
Schedule HC-M-Continued
The following two questions (items 17 and 18) will be used to determine if the reporting holding company
must complete the Consolidated Holding Company Report of Equity Investments in Nonfinancial
Companies (FR Y-12). See the line item instructions for further details.
17. Does the holding company hold, either directly or indirectly through a subsidiary or affiliate, any non-
financial equity investments (see instructions for definition) within a Small Business Investment
Company (SBIC) structure, or under section 4(c)(6) or 4 (c)(7) of the Bank Holding Company Act, or

pursuant to the merchant banking authority of section 4(k)4(H) of the Bank Holding Company Act, or	0=No	BHCK

pursuant to the investment authority granted by Regulation K? (Enter ''1'' for Yes; enter ''0'' for No.) ........	1=Yes	C161	1	17.
If the answer to item 17 is no, your organization does not need to complete the FR Y-12. Skip item 18

and proceed to items 19.a and 19.b below. If the answer to item 17 is yes, proceed to item 18.

18. Do your aggregate nonfinancial equity investments (see instructions for definition) equal or exceed the

lesser of $100 million (on an acquisition cost basis) or 10 percent of the holding company's		0=No	BHCK

consolidated Tier 1 capital as of the report date? (Enter ''1'' for Yes; enter ''0'' for No.) ..............................		1=Yes	C159	1	18.
If the answer to both item 17 and item 18 is yes, your organization must complete the FR Y-12. Skip

items 19.a and 19.b and proceed to item 20 below.
If the answer to either item 17 or item 18 is no, your organization does not need to complete the FR
Y-12. Proceed to items 19.a. and 19.b. below.
Items 19.a. and 19.b. are to be completed by all holding companies that are not required to file
the FR Y-12.

19. a. Has the holding company sold or otherwise liquidated its holding of any nonfinancial equity		0=No	BHCK

investment since the previous reporting period? (Enter ''1'' for Yes; enter ''0'' for No.) ..........................		1=Yes	C700		19.a.
b. Does the holding company manage any nonfinancial equity investments for the benefit of others?
0=No
(Enter '1' for Yes; enter '0' for No.) .........................................................................................................		1=Yes	C701		19.b.
Dollar Amounts in Thousands	BHCK


Memoranda items 20 and 21 are to be completed only by holding companies who have made an
effective election to become a financial holding company. See the line item instructions for further
details.
20. Balances of broker-dealer subsidiaries engaged in underwriting or dealing securities
pursuant to Section 4(k)(4)(E) of the Bank Holding Company Act as amended by the
Gramm-Leach-Bliley Act:

a. Net assets .................................................................................................................................	C252			0	20.a.
b. Balances due from related institutions:

(1) Due from the holding company (parent company only), gross ............................................	4832			0	20.b.(1)

(2) Due from subsidiary banks of the holding company, gross .................................................	4833			0	20.b.(2)

(3) Due from nonbank subsidiaries of the holding company, gross ..........................................	4834			0	20.b.(3)
c. Balances due to related institutions:

(1) Due to holding company (parent company only), gross .......................................................	5041			0	20.c.(1)
(2) Due to subsidiary banks of the holding company, gross .....................................................	5043			0	20.c.(2)

(3) Due to nonbank subsidiaries of the holding company, gross ..............................................	5045			0	20.c.(3)
d. Intercompany liabilities reported in items 20.c.(1), 20.c.(2), and 20.c.(3) above that qualify

as liabilities subordinated to claims of general creditors............................................................	5047			0	20.d.
21. Net assets of subsidiaries engaged in insurance or reinsurance underwriting pursuant to

Section 4(k)(4)(B) of the Bank Holding Company Act as amended by the Gramm-
Leach-Bliley Act (12 U.S.C. § 1843(k)(4)(B)) [1] ............................................................................	C253		28,392	21.

1. A savings and loan holding company that wishes to engage in financial holding company activities must have an effective election to be treated as a financial holding company or conducts activities under section 10(c)(2)(H)(i) of the HOLA (12 U.S.C. 1467a(c)(2)(H)(i)).

FR Y-9C

Page 39 of 71

Schedule HC-M-Continued

Memoranda item 22 is to be completed by holding companies with total assets of $30 billion or more.

22. Address (URL) for the reporting holding company's web page that displays risk disclosures, including those about credit and market risk. (Example: www.examplebhc.com/riskdisclosures)

TEXT	http:// www.53.com	22.
C497


		Dollar Amounts in Thousands	BHCK

Memoranda items 23 and 24 are to be completed by all holding companies.

23.	Secured liabilities:
	a. Amount of ''Federal funds purchased in domestic offices'' that are secured

	(included in Schedule HC, item 14.a)......................................................................................	F064	0	23.a.

	b. Amount of ''Other borrowings'' that are secured (included in Schedule HC-M, item 14.d).......	F065	1,413,057	23.b.
24.	Issuances associated with the U.S. Department of Treasury Capital Purchase Program:

	a. Senior perpetual preferred stock or similar items ...................................................................	G234	0	24.a.

	b. Warrants to purchase common stock or similar items ............................................................	G235	0	24.b.

For Federal Reserve Bank Use Only	FR Y-9C
C.I.	Page 40 of 71

Schedule HC-N-Past Due and Nonaccrual Loans,

Leases, and Other Assets [1]

					(Column A)		(Column B)		(Column C)
					Past due		Past due		Nonaccrual
				30 through 89 days	90 days or more
				and still accruing	and still accruing
			Dollar Amounts in Thousands	BHCK		BHCK		BHCK
1.	Loans secured by real estate:
	a.	Construction, land development, and other
		land loans in domestic offices:
		(1) 1-4 family residential construction loans .....	F172	195	F174	0	F176	1,434	1.a.(1)
		(2)	Other construction loans and all land
			development and other land loans ...............	F173	3,241	F175	4,586	F177	6,432	1.a.(2)
	b.	Secured by farmland in domestic offices ............	3493	0	3494	0	3495	7,843	1.b.
	c.	Secured by 1-4 family residential
		properties in domestic offices:
		(1)	Revolving, open-end loans secured by
			1-4 family residential properties and
			extended under lines of credit ......................	5398	41,179	5399	94	5400	79,605	1.c.(1)
		(2)	Closed-end loans secured by 1-4
			family residential properties:
			(a) Secured by first liens .............................	C236	119,256	C237	306,045	C229	92,419	1.c.(2)(a)
			(b) Secured by junior liens ..........................	C238	4,032	C239	1,513	C230	7,758	1.c.(2)(b)
	d.	Secured by multifamily (5 or more)

		residential properties in domestic offices ...........	3499	1,606	3500	0	3501	217	1.d.
	e.	Secured by nonfarm nonresidential
		properties in domestic offices:
		(1)	Loans secured by owner-occupied
			nonfarm non-residential properties ..............	F178	1,657	F180	2,137	F182	22,871	1.e.(1)
		(2)	Loans secured by other nonfarm
			nonresidential properties..............................	F179	1,509	F181	12,117	F183	1,204	1.e.(2)

	f.	In foreign offices ....................................................	B572	0	B573	0	B574	0	1.f.
2.	Loans to depository institutions and

	acceptances of other banks:
	a.	U.S. banks and other U.S. depository
		institutions ..........................................................	5377	0	5378	0	5379	0	2.a.
	b.	Foreign banks.....................................................	5380	0	5381	0	5382	0	2.b.
3.	Loans to finance agricultural production and
	other loans to farmers .............................................	1594	0	1597	0	1583	628	3.

4.	Commercial and industrial loans .............................	1606	54,749	1607	9,840	1608	336,556	4.
5.	Loans to individuals for household, family, and
	other personal expenditures:
	a.	Credit cards ........................................................	B575	44,889	B576	42,237	B577	27,484	5.a.

	b.	Automobile loans ...........................................	K213	120,701	K214	9,325	K215	5,701	5.b.
	c.	Other consumer loans (includes single
		payment, installment, all student loans, and
		revolving credit plans other than credit cards) …	K216	29,716	K217	2,452	K218	3,631	5.c.
6.	Loans to foreign

	governments and official institutions .......................	5389	0	5390	0	5391	0	6.
7.	All other loans .........................................................	5459	15,163	5460	283	5461	5,351	7.
8.	Lease financing receivables:

	Holding companies with less than $5 billion in total
	assets are to report data item 8.c columns A, B and
	C
	and should leave data items 8.a and 8.b
	columms
	a.	Leases to individuals for household, family,
		and other personal expenditures ........................	F166	0	F167	0	F168	0	8.a.

	b.	All other leases ...................................................	F169	20,138	F170	599	F171	27,434	8.b.
	c.	Lease finance receivables ...............................	KX63	0	KX64	0	KX65	0	8.c.

9	Total loans and leases (sum of items 1 through 8.c) [	1406	458,031	1407	391,228	1403	626,568	9.

Amounts reported by loan and lease category in Schedule HC-N, items 1 through 8, above include guaranteed and unguaranteed portions of

past due and nonaccrual loans and leases. Report in items 11 and 12 below certain guaranteed loans and leases that have already been included the amounts reported in items 1 through 8.
Theasset-size test is based on the prior year June 30 report date.
For holding companies with less than $5 billion in total assets, Total loans and leases (sum of items 1 through 7 plus 8c.)

FR Y-9C

Page 41 of 71

Schedule HC-N-Continued

				(Column A)		(Column B)		(Column C)
				Past due		Past due		Nonaccrual
			30 through 89 days	90 days or more
			and still accruing	and still accruing

		Dollar Amounts in Thousands	BHCK		BHCK		BHCK
10. Debt securities and other assets (exclude
other real estate owned and other
repossessed assets) ...............................................	3505	0	3506	0	3507	0	10.
11. Loans and leases reported in items 1
through 8 above which are wholly or parti-
ally guaranteed by the U.S. Government
(excluding loans and leases covered by
loss-sharing agreements with the FDIC) ................	K036	94,073	K037	261,157	K038	22,335	11.
a. Guaranteed portion of loans and leases

(exclude rebooked "GNMA loans")
included in item 11 above ................................	K039	15,946	K040	24,918	K041	16,273	11.a.
b. Rebooked "GNMA loans" that have
been repurchased or are eligible for
repurchase included in item 11 above .............	K042	78,077	K043	236,239	K044	0	11.b.
12. Loans and leases in items 1 through 8

above which are covered by loss-sharing
agreements with the FDIC: (items 12(a)(1)(a)
through 12(f) are to be reported by HCs with $5
billion or more in total assets):[1]
a. Loans secured by real estate in
domestic offices:
(1)	Construction, land development,
	and other land loans:
	(a) 1-4 family residential	BHDM		BHDM		BHDM
		construction loans ...............................	K045	0	K046	0	K047	0	12.a.(1)(a)
	(b)	Other construction loans and

		all land development and
		other land loans ..................................	K048	0	K049	0	K050	0	12.a.(1)(b)

(2)	Secured by farmland .................................	K051	0	K052	0	K053	0	12.a.(2)
(3) Secured by 1-4 family residential

	properties:
	(a)	Revolving, open-end loans
		secured by 1-4 family residential
		properties and extended under
		lines of credit .......................................	K054	0	K055	0	K056	0	12.a.(3)(a)
	(b)	Closed-end loans secured by

		1-4 family residential properties:
		(1) Secured by first liens ....................	K057	0	K058	0	K059	0	12.a.(3)(b)(1)

		(2) Secured by junior liens .................	K060	0	K061	0	K062	0	12.a.(3)(b)(2)
(4) Secured by multifamily (5 or

	more) residential properties ......................	K063	0	K064	0	K065	0	12.a.(4)
(5)	Secured by nonfarm

	nonresidential properties:
	(a)	Loans secured by owner-
		occupied nonfarm nonresidential
		properties.............................................	K066	0	K067	0	K068	0	12.a.(5)(a)
	(b)	Loans secured by other non-farm
		nonresidential properties ....................	K069	0	K070	0	K071	0	12.a.(5)(b)
b,c,d.	Not Applicable

1. Asset-size is test based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 42 of 71

Schedule HC-N-Continued

			(Column A)			(Column B)			(Column C)
			Past due			Past due			Nonaccrual
		30 through 89 days		90 days or more
		and still accruing		and still accruing

	Dollar Amounts in Thousands	BHCK			BHCK			BHCK
12. e.	All other loans and leases ........................	K087		0	K088		0	K089	0	12.e.
f.	Portion of covered loans and leases

	included in items 12.a through 12.e
	above that is protected by FDIC losssharing
	agreements.	K102		0	K103		0	K104	0	12.f.

Memoranda

Dollar Amounts in Thousands	BHDM		BHDM		BHDM
1. Loans restructured in troubled debt
restructurings included in Schedule HC-N,
items 1 through 7, above (and not reported in
Schedule HC-C, Memorandum item 1):
Memo items 1.a.(1) through 1.d.(2) and 1.e.(3)
through 1.f.(3)(c) are to be completed semiannuall
y in
June and December by HCs with less than
$5 billion in total assets.[1]
a. Construction, land development, and other
land loans in domestic offices:
(1) 1-4 family residential construction loans …	K105	137	K106	0	K107	885
(2) Other construction loans and all land

development and other land loans.............	K108	615	K109	63	K110	836

b. Loans secured by 1-4 family residential	BHCK		BHCK		BHCK
properties in domestic offices ..........................	F661	55,435	F662	134,490	F663	114,479

c. Secured by multifamily (5 or more) resi-	BHDM		BHDM		BHDM
dential properties in domestic offices .........	K111	0	K112	0	K113	129
d. Secured by nonfarm nonresidential

properties in domestic offices:
(1) Loans secured by owner-occupied
nonfarm nonresidential properties ..............	K114	61	K115	0	K116	8,860
(2) Loans secured by other nonfarm

nonresidential properties ............................	K117	0	K118	0	K119	1,077

1. Asset-size test is based on the total assets reported as of prior year June 30 report date.

M.1.a.(1)

M.1.a.(2)

M.1.b.

M.1.c.

M.1.d.(1)

M.1.d.(2)

Schedule HC-N-Continued

Memoranda-Continued

					(Column A)		(Column B)		(Column C)
					Past due		Past due		Nonaccrual
				30 through 89 days	90 days or more
				and still accruing	and still accruing

			Dollar Amounts in Thousands	BHCK		BHCK		BHCK
Holding companies with less than $5 billion in total as
sets
are to report data item 1.e.(3) columns A, B and C an
d
should leave Memoranda items 1.e.(1) and 1.e.(2)
columns	A, B and C blank.[1]

1. e.	Commercial and industrial loans:
	(1)	To U.S. addressees (domicile) .................	K120	265	K121	99	K122	227,029

	(2)	To non-U.S. addressees (domicile) .........	K123	0	K124	0	K125	0
		To U.S. addressees (domicile) and
	(3)	KX66	0	KX67	0	KX68	0
		Non-U.S.addressees (domicile)…............
f.	All other loans (include loans to individuals
	for household, family, and other personal
	expenditures) .........................	K126	3,152	K127	0	K128	34,234
	Itemize and describe loan categories

	included in item 1.f, above that exceed 10
	percent of total loans restructured in troubled
	debt restructurings that are past due 30 days
	or more or in non-accrual status (sum of
	Memorandum items 1.a through 1.f, columns
	A through C):

	(1) Loans secured by farmland in domestic	BHDM		BHDM		BHDM
		offices ........................................................	K130	0	K131	0	K132	0
	(2)	Loans to finance agricultural production

		and other loans to farmers .......................	K138	0	K139	0	K140	0
	(3)	Loans to individuals for household,

		family, and other personal expenditures:
		(a)	Credit cards ........................................	K274	0	K275	0	K276	0
		(b)	Automobile loans ...............................	K277	0	K278	0	K279	0
		(c)	Other consumer loans (includes
			single payment, installment, all
			student loans, and revolving credit
			plans other than credit cards) ...........	K280	0	K281	0	K282	0
g.	Total loans restructured in troubled debt

	restructurings included in Schedule HC-N,
	items 1 through 7, above (sum of
	Memorandum items 1.a.(1) through item 1.f)[2	HK26	59,665	HK27	134,652	HK28	387,529
2. Loans to finance commercial real estate,
construction, and land development activities
(not secured by real estate) included in
Schedule HC-N, items 4 and 7 above ...................	6558	0	6559	0	6560	0
3. Loans and leases included in Schedule

HC-N, items 1, 2, 4, 5, 6, 7, and 8 extended
to non-U.S. addressees .........................................	3508	0	1912	163	1913	598
4. Not applicable

5. Loans and leases held-for-sale
(included in Schedule HC-N,
items 1 through 8 above)	C240	160	C241	0	C226	6,873

FR Y-9C Page 43 of 71

M.1.e.(1)

M.1.e.(2)

M.1.e.(3)

M.1.f.

M.1.f.(1)

M.1.f.(2)

M.1.f.(3)(a)

M.1.f.(3)(b)

M.1.f.(3)(c)

M.1.g.

M.2.

M.3.

M.5.

Asset-sizetest is based on the total assets reported as of prior year June 30 report date.
Exclude amounts reported in Memorandum items 1.f.(1) through 1.f.(3) when calculating the total in Memorandum item 1.g.

										FR Y-9C
										Page 44 of 71
Schedule HC-N-Continued
Memoranda-Continued

			(Column A)			(Column B)
			Past due			Past due
		30 through 89 days	90 days or more

	Dollar Amounts in Thousands	BHCK			BHCK
Item 6 is to be reported only by holding companies
with total consolidated assets of $5 billion or more,
or with $2 billion or more in par/notional amounts of
off-balance-sheet derivative contracts (as reported
in Schedule HC-L, items 11.a through 11.e).
6. Derivative contracts:

Fair value of amounts carried as assets .................	3529			3530			M.6.


				Dollar Amounts in Thousands		BHCK
Memorandum items 7,8,9.a and 9.b are to be completed semianually in the June and December reports only.
7. Additions to nonaccrual assets during the previous six months.........................................................................				C410	334,948	M.7.

8. Nonaccrual assets sold during the previous six months.....................................................................................				C411	37,370	M.8.


			(Column A)			(Column B)		(Column C)
						Nonaccrual
			Past due			Past due

		30 through 89 days	90 days or more
		and still accruing	and still accruing

	Dollar Amounts in Thousands	BHCK			BHCK			BHCK
9. Purchased credit-impaired loans accounted for in
accordance with FASB ASC 310-30 (former
AICPA Statement of Position 03-3):[1]
a. Outstanding balance .......................................	L183		2,292	L184	27,767		L185	0	M.9.a.
b. Amount included in Schedule HC-N,
	items 1 through 7, above ................................	L186		2,169	L187	19,993		L188	0	M.9.b.

1. Memorandum items 9.a and 9.b should be completed only by holding companies that have not yet adopted ASU 2016-13.

FR Y-9C

Page 45 of 71

Schedule HC-P-1-4 Family Residential Mortgage Banking Activities in Domestic Offices

Schedule HC-P is to be completed by holding companies with $5 billion or more in total assets[1,2] at which either 1- 4 family residential mortgage loan originatio ns and

purchases for resale [1] from all sources, loan sales, or quarter-end loans held for sale or trading in domestic offices that exceed $10 million for two consecutive quarters.

		Dollar Amounts in Thousands	BHCK
1.	Retail originations during the quarter of 1-4 family residential mortgage loans for sale[1]:	HT81	1,118,199	1.

2.	Wholesale originations and purchases during the quarter of 1-4 family residential mortga	BHCK
	loans for sale [1] :	HT82	1,592,478	2.
3.	1-4 family residential mortgages sold during the quarter:	FT04	2,569,412	3.

4.	1- 4 family residential mortgages held for sale or trading at quarter-end	BHCK
	(included in Schedule HC, items 4.a and 5):	FT05	1,264,161	4.
5.	Noninterest income for the quarter from the sale, securitization, and servicing of 1- 4 family	BHCK
	residential mortgage loans (included in Schedule HI, items 5.c, 5.f, 5.g, and 5.i):	HT85	183,964	5.

6.	Repurchases and indemnifications of 1- 4 family residential mortgage loans during the quarter:	HT86	7,475	6.
7.	Representation and warranty reserves for 1-4 family residential mortgage loans sold:
	a. For representations and warranties made to U.S. government agencies and government-	BHCK
		sponsored agencies............................................................................................................................	L191	6,106	7.a.
		.....
	b.	L192	7	7.b.
	For representations and warranties made to other parties................................................................
	c.	Total representation and warranty reserves (sum of items 7.a and 7.b)...........................................	M288	6,113	7.c.

Exclude originations and purchases of1-4 family residential mortgage loans that are held for investment.
Asset-sizetest is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 46 of 71

Schedule HC-Q-Assets and Liabilities Measured at Fair Value on a Recurring Basis

Schedule HC-Q is to be completed by all holding companies with $5 billion or more in total assets[2] that:

Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or
Are required to complete ScheduleHC-D,Trailing Assets and Liabilties

			(Column A)		(Column B)			(Column C)		(Column D)		(Column E)
		Total Fair Value	LESS: Amounts Netted	Level 1 Fair Value	Level 2 Fair Value	Level 3 Fair Value
		Reported on	in the Determination		Measurements	Measurements	Measurements
		Schedule HC	of Total Fair Value

	Dollar Amounts in Thousands	BHCY		BHCK			BHCK		BHCK		BHCK
Assets
1.	Available-for sale debt and equity securities
	with readily determinable fair values not
	held for trading.[1]……………………………………	JA36	35,559,376	G474		0	G475	152,412	G476	35,406,964	G477	0	1.

2.	Federal funds sold and securities	BHCK
	purchased under agreements to resell ....................	G478	0	G479		0	G480	0	G481	0	G482	0	2.
3.	Loans and leases held for sale ................................	G483	1,264,106	G484		0	G485	0	G486	1,264,106	G487	0	3.

4.	Loans and leases held for investment .....................	G488	182,758	G489		0	G490	0	G491	0	G492	182,758	4.

5.	Trading assets:	BHCT
	a. Derivative assets .................................................	3543	1,032,779	G493		0	G494	37,526	G495	977,222	G496	18,031	5.a.

		BHCK
	b. Other trading assets ............................................	G497	774,561	G498		0	G499	479,645	G500	294,916	G501	0	5.b.
	(1) Nontrading securities at fair value

	with changes in fair value reported
	in current earnings (included in
	Schedule HC-Q, item 5.b, above) .................	F240	0	F684		0	F692	0	F241	0	F242	0	5.b.(1)
6.	All other assets ........................................................	G391	1,633,349	G392		0	G395	965	G396	639,308	G804	993,076	6.
7.	Total assets measured at fair value on a

	recurring basis .........................................................	G502	40,446,929	G503		0	G504	670,548	G505	38,582,516	G506	1,193,865	7.
Liabilities

8.	Deposits ..................................................................	F252	0	F686		0	F694	0	F253	0	F254	0	8.
9.	Federal funds purchased and securities

	sold under agreements to repurchase .....................	G507	0	G508		0	G509	0	G510	0	G511	0	9.

10.	Trading liabilities:	BHCT
	a. Derivative liabilities ..............................................	3547	568,975	G512		0	G513	17,084	G514	543,684	G515	8,207	10.a.
		BHCK
	b. Other trading liabilities .........................................	G516	149,096	G517		0	G518	48,748	G519	100,348	G520	0	10.b.

For holding companies that have adopted ASU2016-01, which includes provisions for governing the accounting for investments in equity securities,the amount reported in item 1, column A, must equal the sum of Schedule HC, item 2.b and 2.c. For holding companies that have not adopted ASU 2016-01, the amount reported in item 1, column A, must equal Schedule HC, items 2.b.
Asset-sizetest is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 47 of 71

Schedule HC-Q-Continued

(Column A)

(Column B)

(Column C)

(Column D)

(Column E)

Total Fair Value

LESS: Amounts Netted

Level 1 Fair Value

Level 2 Fair Value

Level 3 Fair Value

Reported on

in the Determination

Measurements

Schedule HC

of Total Fair Value

Dollar Amounts in Thousands

BHCK

Liabilities (continued)

............................................11. Other borrowed money

G521

G522

G523

G524

G525

11.

12. Subordinated notes and debentures

G526

G527

G528

G529

G530

12.

.......

G805

171,689

G806

G807

4,971

G808

3,926

G809

162,792

13.

13. All other liabilities .....................................................

14.

Total liabilities measured at fair value on a

recurring basis..........................................................

G531

889,760

G532

G533

70,803

G534

647,958

G535

170,999

14.

Memoranda

Dollar Amounts in Thousands

BHCK

All other assets (itemize and describe amounts

included in Schedule HC-Q, item 6 that are

greater than $100,000 and exceed 25 percent

of item 6):

a. Mortgage servicing assets ...................................

G536

993,076

G537

G538

G539

G540

993,076

M.1.a.

b. Nontrading derivative assets ...............................

G541

640,273

G542

G543

965

G544

639,308

G545

M.1.b.

BHTX

G546

G547

G548

G549

G550

M.1.c.

G546

BHTX

G551

G552

G553

G554

G555

M.1.d.

G551

BHTX

G556

G557

G558

G559

G560

M.1.e.

G556

BHTX

G561

G562

G563

G564

G565

M.1.f.

G561

2. All other liabilities (itemize and describe amounts included in Schedule HC-Q, item 13 that are greater than $100,000 and exceed 25 percent of item 13):

a. Loan commitments

(not accounted for as derivatives) .......................

F261

F689

F697

F262

F263

M.2.a.

b. Nontrading derivative liabilities ............................

G566

171,689

G567

G568

4,971

G569

3,926

G570

162,792

M.2.b.

BHTX

G571

G572

G573

G574

G575

M.2.c.

G571

BHTX

G576

G577

G578

G579

G580

M.2.d.

G576

BHTX

G581

G582

G583

G584

G585

M.2.e.

G581

BHTX

G586

G587

G588

G589

G590

M.2.f.

G586

Schedule HC-Q-Continued

Memoranda

				Amount

		Dollar Amounts in Thousands	BHCK
Memorandum items 3 and 4 are to be completed by holding companies
that have elected to measure loans included in Schedule HC-C,
items 1 through 9, at fair value under a fair value option.
3. Loans measured at fair value:
a.	Loans secured by real estate ..............................................................................
	(1)	Secured by 1- 4 family residential properties:	HT87	1,446,864
	(2)	All other loans secured by real estate	HT88	0
b.	Commercial and industrial loans	F585	0
c.	Loans to individuals for household, family, and other
	personal expenditures (i.e., consumer loans) (includes purchased paper)	HT89	0
d.	Other loans ..............................................................................................................	F589	0

4.Unpaid principal balances of loans measured at fair value (reported in memorandum item 3): a.Loans secured by real estate ...........................................................................................

	(1)	Secured by 1- 4 family residential properties:	HT91	1,409,769
	(2)	All other loans secured by real estate	HT92	0
b.	Commercial and industrial loans	F597	0
c.	Loans to individuals for household, family, and other personal
	expenditures (i.e., consumer loans) (includes purchased paper)	HT93	0
d.	Other loans .............................................................................................................................	F601	0

FR Y-9C

Page 48 of 71

M.3.a.(1)

M.3.a.(2)

M.3.b.

M.3.c.

M.3.d.

M.4.a.(1)

M.4.a.(2)

M.4.b.

M.4.c.

M.4.d.

Schedule HC-R-Regulatory Capital

Part I. Regulatory Capital Components and Ratios

For Federal Reserve Bank Use Only	FR Y-9C
Page 49 of 71

C.I.

		Dollar Amounts in Thousands	BHCA
Common equity tier 1 capital
1.	Common stock plus related surplus, net of treasury stock and unearned employee stock
	ownership plan (ESOP) shares………………………………………………………………………………	P742			-74,149	1.
2.	Retained earnings [1]……………………………………………………………………………………………	KW00		18,315,160	2.
	a.	To be completed only by institutions that have adopted ASU 2016-13:
		Does your institution have a CECL transition election in effect as of the quarter-end report	0=No	JJ29
		date? (enter '1' for Yes; enter '0' for No.) ………………………………………………………………	1=Yes	0				2.a.
3.	Accumulated other comprehensive income (AOCI) ………………………………………………………	B530		1,192,002	3.

	a. AOCI opt-out election (enter "1" for Yes; enter "0" for No.)………………………………………………………	0=No	BHCA
	(Advanced approaches institutions must enter '0' for No.)		1=Yes	P838		1	3.a.

			BHCA
4.	Common equity tier 1 minority interest includable in common equity tier 1 capital ……………………	P839			0	4.
5.	Common equity tier 1 capital before adjustments and deductions (sum of items 1 through 4) ………	P840		19,433,013	5.
Common Equity Tier 1 Capital: Adjustments and Deductions
6.	LESS: Goodwill net of associated deferred tax liabilities (DTLs)…………………………………………	P841		4,224,827	6.
7.	LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net of
	associated DTLs…………………………………………………………………………………………………	P842		168,038	7.
8.	LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit carryforwards,
	net of any related valuation allowances and net of DTLs…………………………………………………	P843			1,187	8.
9.	AOCI-related adjustments
	(if entered "1" for Yes in item 3.a, complete only items 9.a through 9.e; if entered "0" for
	No in item 3.a, complete only item 9.f):
	a.	LESS: Net unrealized gains (losses) on available-for-sale securities
		(if a gain, report as a positive value; if a loss, report as a negative value) [2]……………………	P844		811,648	9.a.
	b.	LESS: Net unrealized loss on available-for-sale preferred stock classified as an equity security
		under GAAP and available-for-sale equity exposures (report loss as a positive value) [3]………	P845			0	9.b.
	c.	LESS: Accumulated net gains (losses) on cash flow hedges
		(if a gain, report as a positive value; if a loss, report as a negative value) …………………………	P846		422,494	9.c.
	d.	LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans resulting
		from the initial and subsequent application of the relevant GAAP standards that pertain to such
		plans (if a gain, report as a positive value; if a loss, report as a negative value)………………....	P847			-42,140	9.d.
	e.	LESS: Net unrealized gains (losses) on held-to-maturity securities that are included in AOCI
		(if a gain, report as a positive value; if a loss, report as a negative value)…………………………	P848			0	9.e.
	f.	To be completed only by holding companies that entered "0" for No in item 3.a:
		LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of applicable
		income taxes, that relate to the hedging of items that are not recognized at fair value on the
		balance sheet (if a gain, report as a positive value; if a loss, report as a negative value) ………	P849					9.f.

Institutions that have adopted ASU2016-13 and have elected to apply the CECL transition provision should include the applicable portion of the CECL transitional amount in this item.
Holding companies that entered '1' for Yes in item 3.a and have adopted ASU2016-01, which includes provisions governing the accounting for inves securities, should report net unrealized gains (losses) on available-for-sale debt securities in item 9.a. Holding companies that entered '1' for Yes in it and have not adopted ASU 2016-01 should report net unrealized gains (losses) on available-for-sale debt and equity securities in item 9.a.
Item 9.b is to be completed only by holding companies that entered '1' for Yes in item 3.a and have not adopted ASU2016-01. See instructions for further detail on ASU 2016-01.

Schedule HC-R-Continued

Part I-Continued

FR Y-9C Page 50 of 71

	Dollar Amounts in Thousands	BHCA
10.	Other deductions from (additions to) common equity tier 1 capital before threshold-based deductions
	a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that are due to
	changes in own credit risk (if a gain, report as a positive value; if a loss, report as a
	negative value) ……………………………………………………………………………………………	Q258	0	10.a.
	b. LESS: All other deductions from (additions to) common equity Tier 1 capital
	before threshold-based deductions………………………………………………………………………	P850	0	10.b.
11.	LESS: Non-significant investments in the capital of unconsolidated financial institutions in the form
	of common stock that exceed the 10 percent threshold for non-significant investments ………………	P851	0	11.
12.	Subtotal (item 5 minus items 6 through 11) …………………………………………………………………	P852	13,846,959	12.
13.	LESS: Significant investments in the capital of unconsolidated financial institutions in the form of
	common stock, net of associated DTLs, that exceed the 10 percent common equity Tier 1 capital
	deduction threshold ……………………………………………….…………………………………………….	P853	0	13.
14.	LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity Tier 1 capital
	deduction threshold ……………………………………………………………………………………………	P854	0	14.
15.	LESS: DTAs arising from temporary differences that could not be realized through net operating
	loss carrybacks, net of related valuation allowances and net of DTLs, that exceed the 10 percent
	common equity Tier 1 capital deduction threshold……..……………….................................................	P855	0	15.
16.	LESS: Amount of significant investments in the capital of unconsolidated financial institutions in
	the form of common stock, net of associated DTLs; MSAs, net of associated DTLs; and DTAs
	arising from temporary differences that could not be realized through net operating loss carrybacks,
	net of related valuation allowances and net of DTLs; that exceeds the 15 percent common equity
	Tier 1 capital deduction threshold……………………………………………………………………………	P856	0	16.
17.	LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts of additional
	Tier 1 capital and tier 2 capital to cover deductions…………………………………………………………	P857	0	17.
18.	Total adjustments and deductions for common equity Tier 1 capital (sum of items 13 through 17) …	P858	0	18.
19.	Common equity Tier 1 capital (item 12 minus item 18)……………………………………………………	P859	13,846,959	19.
Additional tier 1 capital
20.	Additional Tier 1 capital instruments plus related surplus…………………………………………………	P860	1,769,603	20.
21.	Non-qualifying capital instruments subject to phase out from additional Tier 1 capital…………………	P861	0	21.
22.	Tier 1 minority interest not included in common equity Tier 1 capital……………………………………	P862	0	22.
23.	Additional Tier 1 capital before deductions (sum of items 20, 21, and 22)………………………………	P863	1,769,603	23.
24.	LESS: Additional Tier 1 capital deductions…………………………………………………………………	P864	297	24.
25.	Additional Tier 1 capital (greater of item 23 minus item 24, or zero) ……………………………………	P865	1,769,306	25.
Tier 1 capital
26.	Tier 1 capital (sum of items 19 and 25) ………………………………………………………………………	8274	15,616,265	26.
Tier 2 capital
27.	Tier 2 capital instruments plus related surplus………………………………………………………………	P866	1,982,396	27.
28.	Non-qualifying capital instruments subject to phase out from Tier 2 capital ……………………………	P867	0	28.
29.	Total capital minority interest that is not included in Tier 1 capital…………………………………………	P868	716,700	29.
30.	a. Allowance for loan and lease losses includable in Tier 2 capital [4][5]………………………………	5310	1,345,225	30.a.
	b. (Advanced approaches holding companies that exit parallel run only): Eligible credit reserves	BHCW
	includable in Tier 2 capital………………………………………………………………………………	5310		30.b.
31.	Unrealized gains on available-for-sale preferred stock classified as an equity security under	BHCA
	GAAP and available-for-sale equity exposures includable in Tier 2 capital [6]…………………………	Q257	0	31.

Institutions that have adopted ASU 2016-13 should report the amount of adjusted allowances for credit losses (AACL), as defined in

the regulatory capital rule includable in tier 2 capital in item 30.a.
Institutions that have adopted ASU2016-13 and have elected to apply the CECL transition provision should subtract the applicable portion of the AA
transitional amount from the AACL, as defined in the regulatory capital rule, before determining the amount of AACL includable in tier 2 capital. See instructions for further detail on the CECL transition provision.
Item 31 is to be completed only by holding companies that have not adopted ASU2016-01, which includes provisions governing the accounting for investments in equity securities. See instructions for further detail on ASU 2016-01.

Schedule HC-R-Continued

Part I-Continued

FR Y-9C Page 51 of 71

	Dollar Amounts in Thousands	BHCA
32.	a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31)……………………	P870	4,044,321	32.a.
	b. (Advanced approaches holding companies that exit parallel run only): Tier 2 capital before		BHCW
	deductions (sum of items 27 through 29, plus items 30.b and 31)…………………………………	P870			32.b.
				BHCA
33.	LESS: Tier 2 capital deductions ………………………………………………………………………………	P872	0	33.
34.	a. Tier 2 capital (greater of item 32.a minus item 33, or zero)…………………………………………	5311	4,044,321	34.a.
	b. (Advanced approaches holding companies that exit parallel run only): Tier 2 capital			BHCW
	(greater of item 32.b minus item 33, or zero )…………………………………………………………	5311			34.b.

Total Capital			BHCA
35.	a. Total capital (sum of items 26 and 34.a)………………………………………………………………	3792	19,660,586	35.a.
	b. (Advanced approaches holding companies that exit parallel run only): Total capital			BHCW
	(sum of items 26 and 34.b)………………………………………………………………………………	3792			35.b.
Total Assets for the Leverage Ratio

36.	Average total consolidated assets [7]…………………………………..…………………………..…………	KW03	168,037,465	36.
37.	LESS: Deductions from common equity Tier 1 capital and additional Tier 1 capital
	(sum of items 6, 7, 8, 10.b, 11, 13 through 17, and certain elements of item 24 - see instructions)…	P875	4,394,349	37.
38.	LESS: Other deductions from (additions to) assets for leverage ratio purposes…………………………	B596	0	38.
39.	Total assets for the leverage ratio (item 36 minus items 37 and 38)…………………………………	A224	163,643,116	39.
					.
Total Risk-Weighted Assets
40.	a. Total risk-weighted assets (from Schedule HC-R, Part II item 31).......……………………………	A223	142,064,554	40.a.
	b. (Advanced approaches holding companies that exit parallel run only): Total risk-weighted asset	BHCW
	using advanced approaches rule (from FFIEC 101, Schedule A, item 60)…………………………	A223			40.b.

		Column A	Column B
		BHCA	Percentage	BHCW	Percentage
Risk-Based Capital Ratios*
41.	Common equity tier 1 capital ratio (Column A: item 19 divided by item 40.a) (Advanced
	approaches holding companies that exit parallel run only: Column B: item 19 divided by
	item 40.b)…………………………………………………………………………………………	P793	9.7469	P793		41.
42.	Tier 1 capital ratio (Column A: item 26 divided by item 40.a) (Advanced approaches
	holding companies that exit parallel run only: Column B: item 26 divided by item 40.b)…	7206	10.9924	7206		42.
43.	Total capital ratio (Column A: item 35.a divided by item 40.a) (Advanced approaches
	holding companies that exit parallel run only: Column B: item 35.b divided by item 40.b)	7205	13.8392	7205		43.

Leverage Capital Ratios*			BHCA	Percentage
44.	Tier 1 leverage ratio (item 26 divided by item 39)……………………………………………………………	7204	9.5429	44.
45.	Advanced approaches holding companies only: Supplementary leverage ratio
	(From FFIEC 101 Schedule A, Table 2, item 2.22).....................................................................		H036			45.

* Report each ratio and buffer as percentage, rounded to four decimal places, e.g., 12.3456.

7. Institutions that have adopted ASU 2016-13 and have elected to apply the transition provision include the applicable portion of the CECL transitional amount in item 36.

Schedule HC-R-Continued	FR Y-9C
Page 52 of 71

Part I-Continued

BHCA Percentage

Capital Buffer*

46. Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments:

	a. Capital conservation buffer………………………………………………………………………………	H311	4.9900	46.a.
	b. (Advanced approaches holding companies that exit parallel run only): Total applicable
	capital buffer………………………………………………………………………………………………	H312		46.b.

	Dollar Amounts in Thousands	BHCA
Institutions must complete items 47 and 48 if the amount in item 46.a is less than or equal to the applicab
le
minimum capital conservation buffer:
47.	Eligible retained income…………………………………………………………………………………………	H313	0	47.
48.	Distributions and discretionary bonus payments during the quarter ………………………………………	H314	0	48.

* Report each ratio and buffer as a percentage, rounded to four decimal places, e.g., 12.3456.

Schedule HC-R-Continued

Part II. Risk-Weighted Assets

This schedule is to be submitted on a consolidated basis.

Holding companies (HC) are required to assign a 100 percent risk weight to all assets not specifically assigned a risk- weight under Subpart D of the Federal Reserve's regulatory capital rules [1] and not deducted from tier 1 or tier 2 capital.

FR Y-9C Page 53 of 71

(Column A)

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

(Column G)

(Column H)

(Column I)

(Column J)

Totals From

Adjustments

Allocation by Risk-Weight Category

Schedule

to Totals

Reported in

10%

20%

50%

100%

150%

Column A

Dollar Amounts in Thousands

Balance Sheet Asset

Categories [2]

Items 1 through 25, (columns A

through U as applicable) are to be

reported semiannually in June and

BHCK D957

BHCK S396

BHCK D958

BHCK D959

BHCK S397

BHCK D960

BHCK S398

December by HCs with less than $5

billion in total consolidated assets[3][4]

Cash and balances

5,237,837

3,593,425

1,639,158

122

5,107

due from depository

institutions…………………………………

Securities:

a. Held-to-maturity

BHCK D961

BHCK S399

BHCK D962

BHCK HJ74

BHCK HJ75

BHCK D963

BHCK D964

BHCK D965

BHCK S400

securities [3][4]………………………

15,250

2.a.

b. Available-for-sale debt securities

and equity securities with

readily determinable fair

BHCK JA21

BHCK S402

BHCK D967

BHCK HJ76

BHCK HJ77

BHCK D968

BHCK D969

BHCK D970

BHCK S403

values not held for trading……………

29,990,239

921,532

10,986,405

17,631,043

130

451,129

2.b.

Federal funds sold and

securities purchased under

agreements to resell:

Federal funds sold

BHCK D971

BHCK D972

BHCK D973

BHCK S410

BHCK D974

BHCK S411

(in domestic offices)…………………

3.a.

Securities purchased

under agreements to

BHCK H171

BHCK H172

resell……………………………………

3.b.

Loans and leases held for

sale:

Residential mortgage

BHCK S413

BHCK S414

BHCK H173

BHCK S415

BHCK S416

BHCK S417

exposures……………………………

1,264,161

29,567

932,382

302,212

4.a.

High volatility

commercial real estate

BHCK S419

BHCK S420

BHCK H174

BHCK H175

BHCK H176

BHCK H177

BHCK S421

exposures………………………………

4.b.

For bank holding companies, 12 CFR Part 217 and 225; and for covered savings and loan holding companies, 12 CFR Part 217.
All securitization exposures held ason-balance sheet assets of the reporting institution are to be excluded from items 1 through 8 and are to be reported instead in item 9.
Asset-sizetest is based on the total assets reported as of prior year June 30 report date.
Institutions that have adopted ASU 2016-13 and have reported held-to-maturity securities net of allowances or credit losses in item 2.a, column A, should report as a negative number
in item 2.a, column B, those allowances for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses on purchasedcredit-deteriorated assets.

Schedule HC-R-Continued

FR Y-9C

Page 54 of 71

Part II. Risk-WeightedAssets-Continued

(Column K)

(Column L)

(Column M)

(Column N)

(Column O)

(Column P)

(Column Q)

(Column R)

(Column S)

Allocation by Risk-Weight Category

Application of Other Risk-

Weighting Approaches[4]

250%[5]

300%

400%

600%

625%

937.5%

1250%

Exposure

Risk-Weighted

Amount

Asset Amount

Dollar Amounts in Thousands

Balance Sheet Asset

Categories (continued)

Cash and balances

due from depository

institutions…………………………………………………………

Securities:

a. Held-to-maturity

securities……………………………………………………

2.a.

b. Available-for-sale debt securities

and equity securities with readily determinable fair

BHCK H270

BHCK S405

BHCK S406

BHCK H271

BHCK H272

values not held for trading…………………………………

2.b.

Federal funds sold and

securities purchased under

agreements to resell:

Federal funds sold

(in domestic offices)…………………………………………

3.a.

Securities purchased

under agreements to

resell…………………………………………………………

3.b.

Loans and leases held for

sale:

Residential mortgage

BHCK H273

BHCK H274

exposures……………………………………………………

4.a.

High volatility

commercial real estate

BHCK H275

BHCK H276

exposures……………………………………………………

4.b.

Includes,for example,investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate accountbank-owned life insurance, and default fund contributions to central counterparties.
Column K - 250% risk weight is applicable to advanced approaches holding companies only. The 250% risk weight currently is not applicable tonon-advanced approaches holding companies.

Schedule HC-R-Continued

FR Y-9C

Page 55 of 71

Part II. Risk-WeightedAssets-Continued

(Column A)

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

(Column G)

(Column H)

(Column I)

(Column J)

Totals From

Adjustments

Allocation by Risk-Weight Category

Schedule

to Totals

Reported in

Column A

10%

20%

50%

100%

150%

Dollar Amounts in Thousands

Loans and leases held for

sale (continued):

Exposures past due

90 days or more or

BHCK S423

BHCK S424

BHCK S425

BHCK HJ78

BHCK HJ79

BHCK S426

BHCK S427

BHCK S428

BHCK S429

on nonaccrual [6]………………………

6,873

4.c.

All other

BHCK S431

BHCK S432

BHCK S433

BHCK HJ80

BHCK HJ81

BHCK S434

BHCK S435

BHCK S436

BHCK S437

exposures………………………………

128,552

4.d.

Loans and leases,

held for investment:[7]

Residential mortgage

BHCK S439

BHCK S440

BHCK H178

BHCK S441

BHCK S442

BHCK S443

expos

22,490,882

1,175,667

16,964,223

4,350,992

5.a.

High volatility

commercial real estate

BHCK S445

BHCK S446

BHCK H179

BHCK H180

BHCK H181

BHCK H182

BHCK S447

exposures………………………………

30,239

5.b.

Exposures past due

90 days or more or on

BHCK S449

BHCK S450

BHCK S451

BHCK HJ82

BHCK HJ83

BHCK S452

BHCK S453

BHCK S454

BHCK S455

nonaccrual [8]…………………………

523,488

5.c.

BHCK S457

BHCK S458

BHCK S459

BHCK HJ84

BHCK HJ85

BHCK S460

BHCK S461

BHCK S462

BHCK S463

All other exposures……………………

83,944,346

66,958

352,263

936,324

82,588,801

5.d.

6. LESS: Allowance for loan

BHCX 3123

BHCY 3123

and lease losses[9]…………………………

1,201,640

For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual. Institutions that have adopted ASU2016-13 should report as a positive number in column B of items 5.a through 5.d, as appropriate, any allowances for credit losses on purchased
credit-deterioratedassets reported in column A of items 5.a through 5.d, as appropriate.
For loans and leases held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.

9 Institutions that have adopted ASU 2016-13 should report the allowance for credit losses on loans and leases in item 6, columns A and B.

Schedule HC-R-Continued

FR Y-9C

Page 56 of 71

Part II. Risk-WeightedAssets-Continued

(Column K)

(Column L)

(Column M)

(Column N)

(Column O)

(Column P)

(Column Q)

(Column R)

(Column S)

Allocation by Risk-Weight Category

Application of Other Risk-

Weighting Approaches[10]

250% [11]

300%

400%

600%

625%

937.5%

1250%

Exposure

Risk-Weighted

Amount

Asset Amount

Dollar Amounts in Thousands

Loans and leases held for

sale (continued):

Exposures past due

90 days or more or

BHCK H277

BHCK H278

on nonaccrual [12]……………………………………………

4.c.

All other

BHCK H279

BHCK H280

exposures……………………………………………………

4.d.

Loans and leases,

held for investment:

Residential mortgage

BHCK H281

BHCK H282

exposures……………………………………………………

5.a.

High volatility

commercial real estate

BHCK H283

BHCK H284

exposures……………………………………………………

5.b.

Exposures past due

90 days or more or on

BHCK H285

BHCK H286

nonaccrual [13]………………………………………………

5.c.

BHCK H287

BHCK H288

All other exposures…………………………………………

5.d.

6. LESS: Allowance for loan

and lease losses…………………………………………………
Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate accountbank-owned life insurance, and default fund contributions to central counterparties.
Column K - 250% risk weight is applicable to advanced approaches holding companies only. The 250% risk weight currently is not applicable tonon-advanced approaches holding companies.
For loans and leases held for sale, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.
For loans and leases held for investment, exclude residential mortgage exposures, high volatility commercial real estate exposures, or sovereign exposures that are past due 90 days or more or on nonaccrual.

Schedule HC-R-Continued

Part II. Risk-WeightedAssets-Continued

FR Y-9C Page 57 of 71

		(Column A)	(Column B)	(Column C)	(Column D)	(Column E)	(Column F)	(Column G)		(Column H)	(Column I)	(Column J)
		Totals From	Adjustments				Allocation by Risk-Weight Category
		Schedule	to Totals
		HC	Reported in
	Dollar Amounts in Thousands		Column A	0%	2%	4%	10%	20%		50%	100%	150%
		BHCK D976	BHCK S466	BHCK D977	BHCK HJ86	BHCK HJ87		BHCK D978	BHCK D979	BHCK D980	BHCK S467
7.	Trading assets……………………………	1,807,340	1,501,806	0	0	0		0		0	0	0	7.
		BHCK D981	BHCK S469	BHCK D982	BHCK HJ88	BHCK HJ89		BHCK D983	BHCK D984	BHCK D985	BHCK H185
8.	All other assets [14],[15],[16]……………	16,993,555	5,061,960	477,711	0	0		331,204		0	9,687,080	86	8.

Separate accountbank-owned life

insurance…………………………….	8.a.
b. Default fund
contributions to central
counterparties…………………………	8.b.

Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures; intangible assets; and other assets.
Institutions that have adopted ASU2016-13 and have elected to apply the CECL transition provision should report as a positive number in item 8, column B, the applicable portion of the DTA transitional amount.
Institutions that have adopted ASU2016-13 and have reported any assets net of allowances for credit losses in item 8, column A, should report as a negative number in item 8, column B, those allowances for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses on purchased credit-deteriorated assets.

Schedule HC-R-Continued

Part II. Risk-WeightedAssets-Continued

FR Y-9C Page 58 of 71

(Column K)

(Column L)

(Column M)

(Column N)

(Column O)

(Column P)

(Column Q)

(Column R)

(Column S)

Allocation by Risk-Weight Category

Application of Other Risk-

Weighting Approaches[17]

250% [18]

300%

400%

600%

625%

937.5%

1250%

Exposure

Risk-Weighted

Amount

Asset Amount

Dollar Amounts in Thousands

BHCK H289

BHCK H186

BHCK H290

BHCK H187

BHCK H291

BHCK H292

Trading assets……………………………………………………

305,534

61,107

BHCK H293

BHCK H188

BHCK S470

BHCK S471

BHCK H294

BHCK H295

All other assets [19]

Separate account

bank-owned life

BHCK H296

BHCK H297

insurance.........................................................................

1,435,514

893,565

8.a.

Default fund

contributions to central

BHCK H298

BHCK H299

counterparties………………………………………………

8.b.

Includes, for example, investments in mutual funds/investment funds, exposures collateralized by securitization exposures or mutual funds, separate accountbank-owned life insurance, and default fund contributions to central counterparties.
Column K - 250% risk weight is applicable to advanced approaches holding companies only. The 250% risk weight currently is not applicable tonon-advanced approaches holding companies.
Includes premises and fixed assets; other real estate owned; investments in unconsolidated subsidiaries and associated companies; direct and indirect investments in real estate ventures; intangible assets; and other assets.

Schedule HC-R-Continued										FR Y-9C
									Page 59 of 71
Part II. Risk-WeightedAssets-Continued

						(Column A)	(Column B)	(Column Q)	(Column T)	(Column U)
						Totals	Adjustments	Allocation by	Total Risk-Weighted Asset
							to Totals	Risk-Weight	Amount by Calculation
							Reported in	Category	Methodology
							Column A	1250%	SSFA[1]	Gross-Up
			Dollar Amounts in Thousands
Securitization Exposures: On-andOff-Balance Sheet
9. On-balance sheet securitization exposures:						BHCK S475	BHCK S476	BHCK S477	BHCK S478	BHCK S479
a. Held-to-maturity securities [2]…………………………………………..…………………………..…………………………..……………………	0	0	0	0	0	9.a.
						BHCK S480	BHCK S481	BHCK S482	BHCK S483	BHCK S484
b. Available-for-sale securities…………………………………………………………………..…………………………..………………………….	5,569,137	5,569,137	0	1,114,963	0	9.b.
						BHCK S485	BHCK S486	BHCK S487	BHCK S488	BHCK S489
c. Trading assets……………………………………………………………..…………………………..…………………………..…………………	0	0	0	0	0	9.c.
						BHCK S490	BHCK S491	BHCK S492	BHCK S493	BHCK S494
d. All other on-balance sheet securitization exposures……………………………………………..…………………………..……………………	2,568,910	2,568,910	0	527,660	0	9.d.
						BHCK S495	BHCK S496	BHCK S497	BHCK S498	BHCK S499
10 Off-balance sheet securitization exposures…………………………..…………………………..…………………………..………………………	1,367,890	1,367,890	0	531,315	0	10.

	(Column A)	(Column B)	(Column C)	(Column D)	(Column E)	(Column F)	(Column G)	(Column H)	(Column I)	(Column J)
	Totals	Adjustments t			Allocation by Risk-Weight Category
	From Schedule	Totals Report	0%	2%	4%	10%	20%	50%	100%	150%
	HC	Column A
Dollar Amounts in Thousands
11 Total balance sheet	BHCT 2170	BHCK S500	BHCK D987	BHCK HJ90	BHCK HJ91		BHCK D988	BHCK D989	BHCK D990	BHCK S503
assets [3]…………………………………………………………	169,369,169	14,421,705	15,124,499	0	0		21,174,152	18,833,181	97,513,873	560,711	11.

			(Column K)	(Column L)	(Column M)	(Column N)	(Column O)	(Column P)	(Column Q)	(Column R)
										Application o
					Allocation by Risk-Weight Category			Other Risk-
										Weighting
										Approaches
			250% [4]	300%	400%	600%	625%	938%	1250%	Exposure
										Amount
	Dollar Amounts in Thousands
11 Total balance sheet			BHCK S504	BHCK S505	BHCK S506	BHCK S507			BHCK S510	BHCK H300
assets [3]……………………………………………………………………………………………………		0	0	0			0	1,741,048	11.

1. Simplified Supervisory Formula Approach.

Institutions that have adopted ASU 2016-13 and have reported held-to-maturity securities net of allowances for credit losses in item 9.a, column A, should report as a negative nu

2.mber

in item 9.a, column B, those allowances for credit losses eligible for inclusion in tier 2 capital, which excludes allowances for credit losses on purchased credit-deteriorated asse

For each of columns A through R of item 11, report the sum of items 1 through 9. For item 11, the sum of columns B through R must equal column A. Item 11,column A,must eq
Column K - 250% risk weight is applicable to advanced approaches holding companies only. The 250% risk weight currently is not applicable tonon-advanced approaches holdin

Schedule HC-R-Continued

Part II. Risk-WeightedAssets-Continued

		(Column A)		(Column B)	(Column C)	(Column D)	(Column E)	(Column F)	(Column G)	(Column H)	(Column I)	(Column J)
		Face, Notional,	CCF[1	Credit			Allocation by Risk-Weight Category
		or Other		Equivalent
		Amount		Amount[2]	0%	2%	4%	10%	20%	50%	100%	150%
Dollar Amounts in Thousa
Derivatives, Off-Balance
Sheet Items, and Other
Items Subject to Risk-
Weighting (Excluding
Securitization
Exposure)[3]
12 Financial standby	BHCK D991		BHCK D992	BHCK D993	BHCK HJ92	BHCK HJ93		BHCK D994	BHCK D995	BHCK D996	BHCK S511
	letters of credit…………	1,192,440	1.0	1,192,440	136,018	0	0		16,383	0	1,040,039	0	12.
13	Performance standby
	letters of credit and
	transaction-related	BHCK D997		BHCK D998	BHCK D999				BHCK G603	BHCK G604	BHCK G605	BHCK S512
	contingent items………	954,441	0.5	477,221	5,906				274	0	471,041	0	13.
14	Commercial and
	similar letters of credit
	with an original
	maturity of one year	BHCK G606		BHCK G607	BHCK G608	BHCK HJ94	BHCK HJ95		BHCK G609	BHCK G610	BHCK G611	BHCK S513
	or less…………………	4,295	0.2	859	0	0	0		39	0	820	0	14.
15	Retained recourse
	on small business
	obligations sold	BHCK G612		BHCK G613	BHCK G614				BHCK G615	BHCK G616	BHCK G617	BHCK S514
	with recourse…………	0	1.0	0	0				0	0	0	0	15.

Credit conversion factor.
Column A multiplied by credit conversion factor. For each of items 12 through 21, the sum of columns C through J plus column R must equal column B.
All derivatives andoff-balance sheet items that are securitization exposures are to be excluded from items 12 through 21 and are to be reported instead in item 10.

FR Y-9C Page 60 of 71

Schedule HC-R-Continued

Part II. Risk-WeightedAssets-Continued

FR Y-9C Page 61 of 71

		(Column A)		(Column B)	(Column C)	(Column D)	(Column E)	(Column F)	(Column G)	(Column H)	(Column I)	(Column J)
		Face, Notional,	CCF[1	Credit Equiv			Allocation by Risk-Weight Category
		or Other Amount		Amount[2]	0%	2%	4%	10%	20%	50%	100%	150%
	Dollar Amounts in Thousands
16	Repo-style	BHCK S515		BHCK S516	BHCK S517	BHCK S518	BHCK S519		BHCK S520	BHCK S521	BHCK S522	BHCK S523
	transactions [3]………………………	529,573	1.0	529,573	468,669	0	0		0	0	60,904	0	16.
17	All other off-balance	BHCK G618		BHCK G619	BHCK G620				BHCKG621	BHCK G622	BHCK G623	BHCK S524
	sheet liabilities……………………………	226,930	1.0	226,930	0				0	61,561	165,369	0	17.
18	Unused commitments:
	(exclude unused
	commitments to
	asset-backed
	commercial paper
	conduits):
	a. Original maturity of	BHCK S525		BHCK S526	BHCK S527	BHCK HJ96	BHCK HJ97		BHCK S528	BHCK S529	BHCK S530	BHCK S531
	one year or less................	7,100,627	0.2	1,420,125	0	0	0		60,940	4,424	1,353,378	1,383	18.a.
	b. Original maturity
	exceeding one	BHCK G624		BHCK G625	BHCK G626	BHCK HJ98	BHCK HJ99		BHCK G627	BHCK G628	BHCK G629	BHCK S539
	year…………………………..…………	43,185,049	0.5	21,592,525	0	0	0		0	131,183	21,403,113	58,229	18.b.
19	Unconditionally
	cancelable	BHCK S540		BHCK S541
	commitments…………………………	24,139,575	0.0	0									19.
20	Over-the-counter			BHCK S542	BHCK S543	BHCK HK00	BHCK HK01	BHCK S544	BHCK S545	BHCK S546	BHCK S547	BHCK S548
	derivatives……………………………			3,391,401	666,952	0	0		1,258,147	0	1,466,302	0	20.
21	Centrally cleared			BHCK S549	BHCK S550	BHCK S551	BHCK S552		BHCK S554	BHCK S555	BHCK S556	BHCK S557
	derivatives……………………………			272,876	0	0	272,876		0	0	0	0	21.
22	Unsettled transactions	BHCK H191			BHCK H193				BHCK H194	BHCK H195	BHCK H196	BHCK H197
	(failed trades)[4]………………………	0			0				0	0	0	0	22.

Credit conversion factor.
For items 18.b. and 19, columnA multiplied by credit conversion factor.
Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.
For item 22, the sum of columns C through Q must equal columnA.

Schedule HC-R-Continued

Part II. Risk-WeightedAssets-Continued

FR Y-9C Page 62 of 71

			(Column O)	(Column P)	(Column Q)	(Column R)	(Column S)
			Allocation by Risk-Weight Category	Application of Other Risk-
						Weighting Approaches[1]
	625%	937.5%	1250%	Credit Equival Risk-Weight
						Amount	Asset Amou
	Dollar Amounts in Thousands				BHCK H301	BHCK H302
16	Repo-style				0	0 16.
	transactions [2] ……………………………………………………………………………………………………..
17	All other off-balance sheet liabilities……………………………………………………………………………				17.

18 Unused commitments: (exclude unused commitments to asset-backed commercial paper conduits):

	a. Original maturity of				BHCK H303	BHCK H304
	one year or less.........................................................................................................				0	0	18.a.
	b. Original maturity
	exceeding one				BHCK H307	BHCK H308
	year……………………………………………………………………………………………………………………………………………………				0	0	18.b.
19	Unconditionally
	cancelable
	commitments…………………………………………………………………………………………………………………………………………						19.
20	Over-the-counter				BHCK H309	BHCK H310
	derivatives……………………………………………………………………………………………………………………………………………				0	0	20.
21	Centrally cleared
	derivatives……………………………………….……………………………………………………………………………………………………							21.
22	Unsettled transactions		BHCK H198 BHCK H199 BHCK H200
	(failed trades)[3]…………………………………….…………………………………………………………………………………………………	0	0	0			22.

Includes, for example, exposures collateralized by securitization exposures or mutual funds.
Includes securities purchased under agreements to resell (reverse repos), securities sold under agreements to repurchase (repos), securities borrowed, and securities lent.
For item 22, the sum of columns C through Q must equal column A.

Schedule HC-R-Continued

Part II. Risk-WeightedAssets-Continued

FR Y-9C Page 63 of 71

		(Column C)	(Column D)	(Column E)	(Column F)	(Column G)	(Column H)	(Column I)	(Column J)
				Allocation by Risk-Weight Category
		0%	2%	4%	10%	20%	50%	100%	150%
	Dollar Amounts in Thousands
23	Total assets, derivatives,
	off-balance sheet items,
	and other items subject
	to risk weighting by risk-
	weight category (for
	each of columns C
	through P, sum of items
	11 through 22; for
	column Q, sum of items	BHCK G630	BHCK S558	BHCK S559	BHCK S560	BHCK G631	BHCK G632	BHCK G633	BHCK S561
	10 through 22)……………………………………………………………………………………………	16,402,044	0	272,876	0	22,509,935	19,030,349	123,474,839	620,323	23.
24 Risk weight factor…………………………………………………………………………………………	X 0%	X 2%	X 4%	X 10%	X 20%	X 50%	X 100%	X 150%	24.
25	Risk-weighted assets
	by risk-weight
	category (for each
	column, item 23
	multiplied by	BHCK G634	BHCK S569	BHCK S570	BHCK S571	BHCK G635	BHCK G636	BHCK G637	BHCK S572
	item 24)……………………………………………………………………………………………………	0	0	10,915	0	4,501,987	9,515,175	123,474,839	930,485	25.

Schedule HC-R-Continued

Part II. Risk-WeightedAssets-Continued

FR Y-9C Page 64 of 71

		(Column K)	(Column L)	(Column M)	(Column N)	(Column O)	(Column P)	(Column Q)
				Allocation by Risk-Weight Category
	Dollar Amounts in Thousands	250%[1]	300%	400%	600%	625%	937.5%		1250%
23	Total assets, derivatives,
	off-balance sheet items, and other items subject to
	and other items subject to
	risk weighting by risk-
	weight category (for each
	of columns C through P,
	sum of items 11 through
	22; for column Q, sum of	BHCK S562	BHCK S563	BHCK S564	BHCK S565	BHCK S566	BHCK S567	BHCK S568
	items 10 through 22)…………………………..…………………………..…………………………..…………………		0	0	0	0	0	0	23.
24	Risk weight factor…………………………..…………………………..…………………………..……………………	X 250%	X 300%	X 400%	X 600%	X 625%	X 937.5%	X 1250%	24.
25	Risk-weighted assets by
	risk-weight category (for
	each column, item 23	BHCK S573	BHCK S574	BHCK S575	BHCK S576	BHCK S577	BHCK S578	BHCK S579
	multiplied by item 24)……………………………..…………………………..…………………………..………………		0	0	0	0	0	0	25.

Items 26 through 31 are to be reported quarterly by all holding companies.								Totals
					Dollar Amounts in Thousands	BHC
26	Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold [2]……………………………………………………………………………	S580		141,562,307	26.
27	Standardized market-risk weighted assets (applicable only to holding companies that are covered by the market risk capital rules)……………………………………………………………	S581		502,543	27.
28	Risk-weighted assets before deductions for excess allowance of loan and lease losses and allocated risk tran …………………………………………………………………………………	B704		142,064,554	28.
29	LESS: Excess allowance for loan and lease losses [5][6]…………………………………………………………………………………………………………………………………………………	A222		0	29.
30	LESS: Allocated transfer risk reserve………………………………………………………………………………………………………………………………………………………………………	3128		0	30.
31 Total risk-weighted assets (item 28 minus items 29 and 30)………………………………………………………………………………………………………………………………………………	G641		142,064,554	31.

Column K - 250% risk weight is applicable to advanced approaches holding companies only. The 250% risk weight currently is not applicable tonon-advanced approaches h
For institutions that have adopted ASU2016-13, the risk-weighted assets reported in item 26 is for purposes of calculating the adjusted allowances for credit losses (AACL) 1
Sum of items 2.b. through 20, column S; items 9.a., 9.b., 9.c., 9.d., and 10, columnsT and U; item 25, columns C through Q; and item 27 (if applicable).
For institutions that have adopted ASU2016-13, the risk-weighted assets reported in item 28 represents the amount of risk-weighted assets before deductions for excess AA
Institutions that have adopted ASU2016-13 should report the excess AACL.
Institutions that have adopted ASU2016-13 and have elected to apply the CECL transition provision should subtract the applicable portion of the AACL transitional amount fr as defined in the regulatory capital rule, before determining the amount of excess AACL.

FR Y-9C

Page 65 of 71

Schedule HC-R-Continued

Part II. Risk-WeightedAssets-Continued

Memoranda

Memoranda items 1,2 and 3,columns A,B and C are to be completed semiannually in June and December by HCs with less than $5 billion in total aseets.[1]
Dollar Amounts in Thousands	BHCK
1. Current credit exposure across all derivative contracts covered by the regulatory capital rules………………………………………………………	G642	1,619,912	M.1.

				With a remaining maturity of

			(Column A)		(Column B)		(Column C)

			One year or less	Over one year through five years		Over 5 years

	Dollar Amounts in Thousands	BHCK		BHCK		BHCK
2. Notional principal amounts of over-the-counter derivative contracts:
a.	Interest rate	S582	6,912,120	S583	29,459,167	S584	12,370,132
b.	Foreign exchange rate and gold	S585	11,124,079	S586	2,251,337	S587	0
c.	Credit (investment grade reference asset)	S588	376,904	S589	1,062,594	S590	421,985
d.	Credit (non-investment grade reference asset)	S591	180,672	S592	1,352,239	S593	549,262
e.	Equity	S594	0	S595	3,082,283	S596	0
f.	Precious metals (except gold)	S597	0	S598	0	S599	0
g.	Other	S600	2,127,823	S601	3,897,617	S602	0
3. Notional principal amounts of centrally cleared derivative contracts:
a.	Interest rate	S603	3,315,578	S604	23,933,316	S605	8,866,652
b.	Foreign exchange rate and gold	S606	0	S607	0	S608	0
c.	Credit (investment grade reference asset)	S609	0	S610	0	S611	0
d.	Credit (non-investment grade reference asset)	S612	0	S613	0	S614	0
e.	Equity	S615	0	S616	0	S617	0
f.	Precious metals (except gold)	S618	0	S619	0	S620	0
g.	Other	S621	48,144	S622	15,487	S623	0

M.2.a.

M.2.b.

M.2.c.

M.2.d.

M.2.e.

M.2.f.

M.2.g.

M.3.a.

M.3.b.

M.3.c.

M.3.d.

M.3.e.

M.3.f.

M.3.g.

		Dollar Amounts in Thousands	BHCK
4.	Standardized market risk-weighted assets attributable to specific risk (included in Schedule HC-R, item 27)…………………………………………	S624	131,476	M.4.
5.	Amount of allowances for credit losses on purchased credit-deteriorated assets [2] :
	a.	Loans and leases held for investment…………………………………………………………………………………………..………………………	JJ30		M.5.a.
	b.	Held-to-maturity debt securities…………………………………………………………………………………………..……………………………	JJ31		M.5.b.
	c.	Other financial assets measured at amortized cost……………………………………………………………………………………………..……	JJ32		M.5.c.

Asset-sizetest is based on the total assets reported as of prior year June 30 report date.
Memorandum items 5.a through 5.c should be completed only by institutions that have adopted ASU2016-13.

For Federal Reserve Bank Use Only

FR Y-9C

C.I.

Page 66 of 71

Schedule HC-S-Servicing, Securitization, and Asset Sale Activities

To be completed by HCs with $5 billion or more in total assets.[1]

C000

(Column A)

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

(Column G)

1-4 Family

Home

Credit

Auto

Other

Commercial

All Other Loans,

Residential

Equity

Card

Loans

Consumer

and Industrial

All Leases, and

Loans

Lines

Receivables

Loans

All Other Assets

Dollar Amounts in Thousands

Securitization Activities

1. Outstanding principal balance of assets

sold and securitized with servicing retained

or with recourse or other seller-provided

BHCK B705

BHCK B706

BHCK B707

BHCK B708

BHCK B709

BHCK B710

BHCK B711

credit enhancements .......................................

2. Maximum amount of credit exposure

arising from recourse or other seller-

provided credit enhancements provided to

BHCKHU09

BHCKHU10

BHCKHU11

BHCKHU12

BHCKHU13

BHCKHU14

BHCKHU15

structures reported in item 1

Items 3 is to be completed by holding

companies with $100 billion or more in

total assets[1]

3. Reporting institution's unused commitments

to provide liquidity to structures reported in

BHCK B726

BHCK B727

BHCK B728

BHCK B729

BHCK B730

BHCK B731

BHCK B732

item 1 ...............................................................

4. Past due loan amounts included in item 1:

BHCK B733

BHCK B734

BHCK B735

BHCK B736

BHCK B737

BHCK B738

BHCK B739

a. 30-89 days past due ...................................

4.a.

BHCK B740

BHCK B741

BHCK B742

BHCK B743

BHCK B744

BHCK B745

BHCK B746

b. 90 days or more past due ...........................

4.b.

5. Charge-offs and recoveries on assets sold

and securitized with servicing retained or

with recourse or other seller-provided credit

enhancements (calendar year-to-date):

BHCK B747

BHCK B748

BHCK B749

BHCK B750

BHCK B751

BHCK B752

BHCK B753

a. Charge-offs .................................................

5.a.

BHCK B754

BHCK B755

BHCK B756

BHCK B757

BHCK B758

BHCK B759

BHCK B760

b. Recoveries ..................................................

5.b.

1. Asset-size test is based on the total assets reported as of prior year June 30 report date.

Schedule HC-S-Continued

(Column A)

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

(Column G)

1-4 Family

Home

Credit

Auto

Other

Commercial

All Other Loans,

Residential

Equity

Card

Loans

Consumer

and Industrial

All Leases, and

Loans

Lines

Receivables

Loans

All Other Assets

Dollar Amounts in Thousands

Items 6 and 10 are to be completed by holdin

companies with $10 billion or more in total

assets[2]

BHCKHU16

BHCKHU17

BHCKHU18

Total amount of ownership (or seller's) interes

7,8

carried as securities or loans.

Not Applicable

For Securitization Facilities Sponsored By

or Otherwise Established By Other

Institutions

Maximum amount of credit exposure

arising from credit enhancements

provided by the reporting institution to

other institutions' securitization structures

in the form of standby letters of credit,

purchased subordinated securities, and

BHCK B776

BHCK B779

BHCK B780

BHCK B781

BHCK B782

other enhancements.........................................

10.

Reporting institution's unused

commitments to provide liquidity to other

BHCK B783

BHCK B786

BHCK B787

BHCK B788

BHCK B789

institutions' securitization structures ................

Asset Sales

11.

Assets sold with recourse or other seller-

provided credit enhancements and not

BHCK B790

BHCK B796

securitized ........................................................

226,930

12.

Maximum amount of credit exposure

arising from recourse or other seller-

provided credit enhancements provided to

BHCK B797

BHCK B803

assets reported in item 11................................

226,930

FR Y-9C

Page 67 of 71

10.

11.

12.

2. The $10 billion asset-size tests are based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 68 of 71

Schedule HC-S-Continued

Memoranda

		Dollar Amounts in Thousands	BHCK

1.	Not applicable
2.	Outstanding principal balance of assets serviced for others (includes participations serviced for others):
	a. 1-4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements ....................................................	B804	226,930	M.2.a.

	b. 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements ...............................................	B805	80,576,657	M.2.b.

	c. Other financial assets [1]..................................................................................................................................................................................	A591	2,336,586	M.2.c.
	d. 1-4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end and

	open-end loans) ...............................................................................................................................................................................................	F699	157,929	M.2.d.
Memorandum item 3 is to be completed by holding companies with $10 billion or more in total assets. [2]
3.	Asset-backed commercial paper conduits:
	a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of
	credit, subordinated securities, and other enhancements:
	(1)	Conduits sponsored by the bank, a bank affiliate, or the holding company [2].........................................................................................	B806	0	M.3.a.(1)

	(2)	Conduits sponsored by other unrelated institutions [2]..............................................................................................................................	B807	0	M.3.a.(2)
	b. Unused commitments to provide liquidity to conduit structures:
	(1)	Conduits sponsored by the bank, a bank affiliate, or the holding company..............................................................................................	B808	0	M.3.b.(1)

	(2)	Conduits sponsored by other unrelated institutions...................................................................................................................................	B809	42,850	M.3.b.(2)

4.	Outstanding credit card fees and finance charges (included in Schedule HC-S, item 1, column G) [2,3]........................................................	C407	0	M.4.

Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.
The $10 billionasset-size test is based on the total assets reported as of the prior year June 30 report date.
Memorandum item 4 is to be completed by holding companies with $10 billion or more in total assets that (1) together with affiliated institutions, have outstanding credit card receivables

(as defined in the instructions) that exceed $500 million as of the report date or (2) holding companies that on a consolidated basis are credit card specialty holding companies (as defined in the instructions).

FR Y-9C

Page 69 of 71

Schedule HC-V-Variable Interest Entities [1]

To be completed by HCs with $5 billion or more in total assets.[2]

			(Column A)		(Column B)
		Securitization Vehicles		Other VIEs

	Dollar Amounts in Thousands	BHCK		BHCK
1. Assets of consolidated variable interest entities
(VIEs) that can be used only to settle obligations of
consolidated VIEs:
a. Cash and balances due from depository institutions	J981	73,536	JF84	3

b. Securities not held for trading	HU20	0	HU21	0
	Loans and leases held for investment, net of allowa
c.	HU22	1,346,988	HU23	52
	nce, and held for sale

d. Other real estate owned	K009	0	JF89	0

e.	Other assets	JF91	8,734	JF90	0
2. Liabilities of consolidated VIEs for which creditors do

not have recourse to the general credit of the
reporting holding company:
a.	Other borrowed money ............................................	JF92	1,252,784	JF85	0

b.	Other liabilities .........................................................	JF93	2,599	JF86	0
3. All other assets of consolidated VIEs

(not included in items 1.a through 1.e above).................	K030	0	JF87	0
4. All other liabilities of consolidated VIEs

(not included in items 2.a through 2.b above).................	K033	0	JF88	0

1.a.

1.b.

1.c.

1.d.

1.e.

2.a.

2.b.

	Dollar Amounts in Thousands	BHCK

5.	Total assets of asset-backed commercial paper (ABCP)		JF77	55	5.

	conduit VIEs

6.	Total liabilities of ABCP conduit VIEs		JF78	0	6.

Institutions that have adopted ASU2016-13 should report assets net of any applicable allowance for credit losses.
Asset-sizetest is based on the total assets reported as of prior year June 30 report date.

FR Y-9C

Page 70 of 71

Notes to the Balance Sheet-Predecessor Financial Items

For holding companies involved in a business combination(s) during the quarter, provide on the lines below quarterly average information for any acquired company(ies) with aggregated assets of $10 billion or more or 5 percent of the reporting holding company's total consolidated assets as of the previous quarter-end, whichever is less.

	Dollar Amounts in Thousands	BHBC
1.	Average loans and leases (held for investment and held for sale) .............................................................	3516	0	1.

2.	Average earning assets ...............................................................................................................................	3402	0	2.
3.	Average total consolidated assets ...............................................................................................................	3368	0	3.

4.	Average equity capital ..................................................................................................................................	3519	0	4.

Notes to the Balance Sheet (Other)

Enter in the lines provided below any additional information on specific line items on the balance sheet or its supporting schedules that the holding company wishes to explain, that has been separately disclosed in the holding company's quarterly reports to its sharehold- ers, in its press releases, or on its quarterly reports to the Securities and Exchange Commission (SEC).

Example

A holding company has guaranteed a new loan for its leveraged Employee Stock Ownership Plan (ESOP) for $750 thousand and that amount has increased the holding company's long-term unsecured debt by a material amount. The holding company has disclosed that change to its stockholders and to the SEC. Enter on the line item below the following information:

TEXT

BHCK

0000 Sch. HC, item 16, New loan to holding company's ESOP guaranteed

		by holding company

			0000	750
Notes to the Balance Sheet (Other)
	TEXT	Dollar Amounts in Thousands BHCK

1.Outstanding issuances of perpetual preferred stock associated with the U.S. Department of Treasury Community Development Capital Initiative (CDCI) program included in Schedule HC, item 23, Perpetual preferred stock and related surplus (for Subchapter S corporations, outstanding issuances of subordinated debt securities associated with

		CDCI included in Schedule HC, item 19.a, Subordinated notes and debentures)	K141	0	1.

2.	5357

			5357	0	2.
3.	5358

			5358	0	3.
4.	5359

			5359	0	4.
5.	5360

			5360	0	5.
6.	B027

			B027	0	6.

FR Y-9C

Page 71 of 71

Notes to the Balance Sheet (Other)-Continued

	TEXT	Dollar Amounts in Thousands	BHCK
7.	B028

			B028	0
8.	B029


			B029	0
9.	B030

			B030	0
10.	B031


			B031	0
11.	B032

			B032	0
12.	B033


			B033	0
13.	B034


			B034	0
14.	B035


			B035	0
15.	B036


			B036	0
16.	B037


			B037	0
17.	B038


			B038	0
18.	B039


			B039	0
19.	B040


			B040	0
20.	B041

			B041	0

10.

11.

12.

13.

14.

15.

16.

17.

18.

19.

20.

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Fifth Third Bancorp published this content on 08 April 2020 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 08 April 2020 13:57:15 UTC

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