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39
Table 7 presents maturities and sensitivities of certain LHFI to changes in interest rates:
Table 7
At December 31, 2015
(Dollars in millions) Total
Due in 1 Year or
Less
Due After 1 Year
through 5 Years Due After 5 Years
Loan Maturity
C&I and CRE 1$68,695 $17,490 $41,512 $9,693
Commercial construction 1,954 228 1,430 296
Total $70,649 $17,718 $42,942 $9,989
Interest Rate Sensitivity
Selected loans with:
Predetermined interest rates $3,282 $4,156
Floating or adjustable interest rates 39,660 5,833
Total $42,942 $9,989
1 Excludes $3.9 billion in lease financing and $672 million in installment loans.
Table 8 presents our outstanding commercial LHFI by industry:
Table 8
December 31, 2015 December 31, 2014
(Dollars in millions)
Commercial
Loans
% of Total
Commercial
Commercial
Loans
% of Total
Commercial
Real estate $12,529 17% $11,343 15%
Diversified financials and insurance 8,529 11 9,018 12
Consumer products and services 8,157 11 8,822 12
Health care & pharmaceuticals 7,090 9 6,329 9
Automotive 6,012 8 5,638 8
Government 4,450 6 4,457 6
Retailing 4,279 6 4,132 6
Diversified commercial services and supplies 3,945 5 3,759 5
Capital goods 3,536 5 3,338 4
Energy 3,073 4 3,435 5
Media & telecommunication services 2,672 4 2,681 4
Technology (hardware & software) 2,411 3 1,967 3
Transportation 2,156 3 2,317 3
Materials 1,982 3 1,934 3
Utilities 1,873 2 1,958 2
Not-for-profits/religious organizations 1,771 2 1,959 3
Other 787 1 305 —
Total commercial loans $75,252 100% $73,392 100%