STI 2018 Annual Report

39 The composition of our loan portfolio is presented in Table 5: Loan Portfolio by Types of Loans Table 5 At December 31 (Dollars in millions) 2018 2017 2016 2015 2014 Commercial loans: C&I 1 $71,137 $66,356 $69,213 $67,062 $65,440 CRE 7,265 5,317 4,996 6,236 6,741 Commercial construction 2,538 3,804 4,015 1,954 1,211 Total commercial LHFI 80,940 75,477 78,224 75,252 73,392 Consumer loans: Residential mortgages - guaranteed 459 560 537 629 632 Residential mortgages - nonguaranteed 2 28,836 27,136 26,137 24,744 23,443 Residential home equity products 9,468 10,626 11,912 13,171 14,264 Residential construction 184 298 404 384 436 Guaranteed student 7,229 6,633 6,167 4,922 4,827 Other direct 10,615 8,729 7,771 6,127 4,573 Indirect 12,419 12,140 10,736 10,127 10,644 Credit cards 1,689 1,582 1,410 1,086 901 Total consumer LHFI 70,899 67,704 65,074 61,190 59,720 LHFI $151,839 $143,181 $143,298 $136,442 $133,112 LHFS 3 $1,468 $2,290 $4,169 $1,838 $3,232 1 Includes $4.1 billion, $3.7 billion, $3.7 billion, $3.9 billion, and $4.6 billion of lease financing and $796 million, $778 million, $729 million, $672 million, and $687 million of installment loans at December 31, 2018, 2017, 2016, 2015, and 2014, respectively. 2 Includes $163 million, $196 million, $222 million, $257 million, and $272 million of LHFI measured at fair value at December 31, 2018, 2017, 2016, 2015, and 2014, respectively. 3 Includes $1.2 billion, $1.6 billion, $3.5 billion, $1.5 billion, and $1.9 billion of LHFS measured at fair value at December 31, 2018, 2017, 2016, 2015, and 2014, respectively. Table 6 presents our outstanding commercial LHFI by industry: Commercial LHFI by Industry Table 6 December 31, 2018 December 31, 2017 (Dollars in millions) Commercial LHFI % of Total Commercial Commercial LHFI % of Total Commercial Real estate $13,614 17% $12,905 17% Consumer products and services 10,222 13 9,303 12 Health care & pharmaceuticals 8,207 10 8,058 11 Automotive 8,185 10 7,444 10 Diversified financials and insurance 8,118 10 7,227 10 Diversified commercial services and supplies 4,772 6 3,837 5 Retail 3,614 4 3,383 4 Capital goods 3,485 4 3,075 4 Government 3,370 4 3,438 5 Media & telecommunication services 3,127 4 2,979 4 Energy 2,610 3 2,176 3 Technology (hardware & software) 2,339 3 2,371 3 Transportation 2,174 3 1,795 2 Materials 2,069 3 2,044 3 Utilities 2,022 2 2,030 3 Not-for-profits/religious organizations 1,977 2 1,914 3 Other 1,035 1 1,498 2 Total commercial loans $80,940 100% $75,477 100%