2005 Summary Annual Report: Form 10-K: Table of Contents

• Form 10-K Cover Page
• Restatement
• Item 1 Business
• Item 1A Risk Factors
• Item 1B Unresolved Staff Comments
• Item 2 Properties
• Item 3 Legal Proceedings
• Item 4 Submission of Matters to a Vote of Security Holders
• Item 4A Executive Officers of the Registrant
• Item 5 Market for Registrant's Common Equity and Related Stock Holder Matters
• Item 6 Selected Financial Data

Item 7. Management's Discussion and Analysis

• Introduction
• Restatement
• Effects of the Restatement
• Recent Events
• Economic Overview
• Performance Overview
• Financial Highlights
• Balance Sheet Analysis
• Balance Sheet Overview
• MBNA Merger Overview
• Supplemental Financial Data
• Business Segment Operations
• On- and Off-balance Sheet Financing Entities
• Obligations and Commitments
• Managing Risk
• Strategic Risk Management
• Liquidity Risk and Capital Management
• Credit Risk Management
• Market Risk Management
• Operational Risk Management
• Recent Accounting and Reporting Developments
• Complex Accounting Estimates
• 2004 Compared to 2003

Statistical Financial Information

• Table I Average Balances and Interest Rates—FTE Basis
• Table II Analysis of Changes in Net Interest Income—FTE Basis
• Table III Selected Loan Maturity Data
• Table IV Short-term Borrowings
• Table V Non-exchange Traded Commodity Contracts
• Table VI Non-exchange Traded Commodity Contract Maturities
• Table VII Selected Quarterly Financial Data
• Table VIII Quarterly Average Balances and Interest Rates—FTE Basis
  
  
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• Item 7A Quantitative and Qualitative Disclosures about Market Risk

Item 8. Financial Statements and Supplementary Data

• Report of Management on Internal Control Over Financial Reporting
• Report of Independent Registered Public Accounting Firm
• Consolidated Statement of Income
• Consolidated Balance Sheet
• Consolidated Statement of Changes in Shareholders' Equity
• Consolidated Statement of Cash Flows
• Notes to Consolidated Financial Statements
• Note 1 Summary of Significant Accounting Principles
• Note 2 FleetBoston Merger and Restructuring Activity
• Note 3 MBNA Merger
• Note 4 Trading Account Assets and Liabilities
• Note 5 Derivatives
• Note 6 Securities
• Note 7 Outstanding Loans and Leases
• Note 8 Allowance for Credit Losses
• Note 9 Special Purpose Financing Entities
• Note 10 Goodwill and Other Intangibles
• Note 11 Deposits
• Note 12 Short-term Borrowings and Long-term Debt
• Note 13 Commitments and Contingencies
• Note 14 Shareholders' Equity and Earnings Per Common Share
• Note 15 Regulatory Requirements and Restrictions
• Note 16 Employee Benefit Plans
• Note 17 Stock-based Compensation Plans
• Note 18 Income Taxes
• Note 19 Fair Value of Financial Instruments
• Note 20 Business Segment Information
• Note 21 Parent Company Information
• Note 22 Performance by Geographical Area
• Note 23 Restatement of Quarterly Financial Statements (unaudited)
• Consolidated Statement of Income
• Consolidated Balance Sheet
• Consolidated Statement of Changes in Shareholders' Equity, for the Three, Six and Nine Months of 2005
• Consolidated Statement of Changes in Shareholders' Equity, for the Three, Six and Nine Months of 2004
• Consolidated Statement of Cash Flows

• Item 9 Changes and Disagreements with Accountants on Accounting and Financial Disclosure
• Item 9A Controls and Procedures
• Item 9B Other Information
• Item 10 Directors and Executive Officers of the Registrant
• Item 11 Executive Compensation
• Item 12 Security Ownership of Certain Beneficial Owners and Management and Related Stock Holder Matters
• Item 13 Certain Relationships and Related Transactions
• Item 14 Principal Accountant Fees and Services
• Item 15 Exhibits, Financial Statement Schedules
• Signatures
• Index to Exhibits