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LOANS - Types of Consumer Loan Modifications and Their Financial Effect (Details) - Consumer loans - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
In North America offices |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Modifications as % of loans | 0.16% | 0.16% | 0.49% | 0.39%
Total modifications balance | $ 510 | $ 507 | $ 1,579 | $ 1,219
In North America offices | Interest rate reduction |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 467 | 472 | 1,197 | 1,124
In North America offices | Term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 15 | 13 | 39 | 47
In North America offices | Payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 14 | 11 | 303 | 24
In North America offices | Combination: interest rate reduction and term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 14 | 11 | 40 | 24
In North America offices | Combination: term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
In North America offices | Combination: interest rate reduction, term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | $ 0 | $ 0 | $ 0
In offices outside North America |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Modifications as % of loans | 0.04% | 0.04% | 0.10% | 0.10%
Total modifications balance | $ 31 | $ 27 | $ 79 | $ 76
In offices outside North America | Interest rate reduction |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 11 | 8 | 26 | 18
In offices outside North America | Term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 1 | 0 | 4
In offices outside North America | Payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 8 | 13 | 27 | 39
In offices outside North America | Combination: interest rate reduction and term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 12 | 5 | 26 | 15
In offices outside North America | Combination: term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
In offices outside North America | Combination: interest rate reduction, term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Residential mortgages |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Loans forgiven | 1 | 1 | $ 1 | 2
Residential mortgages | In North America offices |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Trial modifications, period |  |  | 3 months |
Trial modifications, amount | 40 | 8 | $ 59 | 22
Loans that had gone through bankruptcy | $ 4 | $ 2 | $ 8 | $ 5
Modifications as % of loans | 0.03% | 0.03% | 0.30% | 0.07%
Total modifications balance | $ 35 | $ 29 | $ 355 | $ 77
Weighted-average interest rate reduction % | 0.00% | 1.00% | 0.00% | 1.00%
Weighted average term extension | 113 months | 145 months | 139 months | 171 months
Weighted average delay in payments | 10 months | 10 months | 9 months | 9 months
Residential mortgages | In North America offices | Interest rate reduction |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | $ 1 | $ 1 | $ 1
Residential mortgages | In North America offices | Term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 15 | 13 | 39 | 47
Residential mortgages | In North America offices | Payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 14 | 11 | 299 | 22
Residential mortgages | In North America offices | Combination: interest rate reduction and term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 6 | 4 | 16 | 7
Residential mortgages | In North America offices | Combination: term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Residential mortgages | In North America offices | Combination: interest rate reduction, term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | $ 0 | $ 0 | $ 0
Residential mortgages | In offices outside North America |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Modifications as % of loans | 0.04% | 0.05% | 0.13% | 0.16%
Total modifications balance | $ 10 | $ 13 | $ 31 | $ 41
Weighted-average interest rate reduction % | 1.00% | 0.00% | 2.00% | 2.00%
Weighted average term extension | 171 months |  | 183 months | 188 months
Weighted average delay in payments | 12 months | 12 months | 12 months | 12 months
Residential mortgages | In offices outside North America | Interest rate reduction |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | $ 0 | $ 0 | $ 0
Residential mortgages | In offices outside North America | Term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Residential mortgages | In offices outside North America | Payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 8 | 13 | 27 | 39
Residential mortgages | In offices outside North America | Combination: interest rate reduction and term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 2 | 0 | 4 | 2
Residential mortgages | In offices outside North America | Combination: term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Residential mortgages | In offices outside North America | Combination: interest rate reduction, term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | $ 0 | $ 0 | $ 0
Home equity loans | In North America offices |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Modifications as % of loans | 0.00% | 0.00% | 0.10% | 0.06%
Total modifications balance | $ 0 | $ 0 | $ 3 | $ 2
Weighted-average interest rate reduction % | 0.00% | 0.00% | 0.00% | 1.00%
Weighted average term extension |  |  |  | 151 months
Weighted average delay in payments |  |  | 8 months | 9 months
Home equity loans | In North America offices | Interest rate reduction |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | $ 0 | $ 0 | $ 0
Home equity loans | In North America offices | Term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Home equity loans | In North America offices | Payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 3 | 1
Home equity loans | In North America offices | Combination: interest rate reduction and term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 1
Home equity loans | In North America offices | Combination: term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Home equity loans | In North America offices | Combination: interest rate reduction, term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | 0 | 0 | 0
Home equity loans | In offices outside North America |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Weighted average term extension | 21 months |  |  |
Credit cards |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Loans forgiven | $ 38 | $ 30 | $ 93 | $ 58
Credit cards | In North America offices |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Modifications as % of loans | 0.28% | 0.29% | 0.71% | 0.69%
Total modifications balance | $ 467 | $ 471 | $ 1,196 | $ 1,122
Weighted-average interest rate reduction % | 24.00% | 25.00% | 25.00% | 24.00%
Weighted average delay in payments |  |  | 4 months |
Credit cards | In North America offices | Interest rate reduction |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 467 | $ 471 | $ 1,195 | $ 1,122
Credit cards | In North America offices | Term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Credit cards | In North America offices | Payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 1 | 0
Credit cards | In North America offices | Combination: interest rate reduction and term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Credit cards | In North America offices | Combination: term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Credit cards | In North America offices | Combination: interest rate reduction, term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | $ 0 | $ 0 | $ 0
Credit cards | In offices outside North America |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Modifications as % of loans | 0.06% | 0.05% | 0.15% | 0.11%
Total modifications balance | $ 8 | $ 6 | $ 20 | $ 14
Weighted-average interest rate reduction % | 26.00% | 24.00% | 24.00% | 24.00%
Weighted average term extension |  |  | 21 months |
Credit cards | In offices outside North America | Interest rate reduction |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 7 | $ 6 | $ 19 | $ 14
Credit cards | In offices outside North America | Term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Credit cards | In offices outside North America | Payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Credit cards | In offices outside North America | Combination: interest rate reduction and term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 1 | 0 | 1 | 0
Credit cards | In offices outside North America | Combination: term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Credit cards | In offices outside North America | Combination: interest rate reduction, term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Personal, small business and other |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Loans forgiven | $ 3 | $ 1 | $ 3 | $ 2
Personal, small business and other | In North America offices |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Modifications as % of loans | 0.02% | 0.02% | 0.08% | 0.05%
Total modifications balance | $ 8 | $ 7 | $ 25 | $ 18
Weighted-average interest rate reduction % | 8.00% | 8.00% | 8.00% | 8.00%
Weighted average term extension | 19 months | 19 months | 19 months | 18 months
Weighted average delay in payments |  |  |  | 7 months
Personal, small business and other | In North America offices | Interest rate reduction |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | $ 0 | $ 1 | $ 1
Personal, small business and other | In North America offices | Term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Personal, small business and other | In North America offices | Payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 1
Personal, small business and other | In North America offices | Combination: interest rate reduction and term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 8 | 7 | 24 | 16
Personal, small business and other | In North America offices | Combination: term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Personal, small business and other | In North America offices | Combination: interest rate reduction, term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | $ 0 | $ 0 | $ 0
Personal, small business and other | In offices outside North America |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Modifications as % of loans | 0.03% | 0.02% | 0.07% | 0.06%
Total modifications balance | $ 13 | $ 8 | $ 28 | $ 21
Weighted-average interest rate reduction % | 7.00% | 7.00% | 6.00% | 7.00%
Weighted average term extension | 21 months | 25 months | 25 months | 24 months
Personal, small business and other | In offices outside North America | Interest rate reduction |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 4 | $ 2 | $ 7 | $ 4
Personal, small business and other | In offices outside North America | Term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 1 | 0 | 4
Personal, small business and other | In offices outside North America | Payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Personal, small business and other | In offices outside North America | Combination: interest rate reduction and term extension |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 9 | 5 | 21 | 13
Personal, small business and other | In offices outside North America | Combination: term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | 0 | 0 | 0 | 0
Personal, small business and other | In offices outside North America | Combination: interest rate reduction, term extension and payment delay |  |  |  |
Financing Receivable, Impaired [Line Items] |  |  |  |
Total modifications balance | $ 0 | $ 0 | $ 0 | $ 0

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