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v3.22.4

Loans (Tables) | 12 Months Ended
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Dec. 31, 2022
Receivables [Abstract] |
Loan Portfolio Composition and Aging Analysis | The table below presents the composition and aging analysis of our loans held for investment portfolio as of December 31, 2022 and 2021. The delinquency aging includes all past due loans, both performing and nonperforming.Table 3.1: Loan Portfolio Composition and Aging Analysis
|  | December 31, 2022
|  |  |  | Delinquent Loans |  |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 127,066 |  | $ | 1,405 |  | $ | 975 |  | $ | 2,135 |  | $ | 4,515 |  | $ | 131,581
International card businesses |  | 5,895 |  | 86 |  | 58 |  | 110 |  | 254 |  | 6,149
Total credit card |  | 132,961 |  | 1,491 |  | 1,033 |  | 2,245 |  | 4,769 |  | 137,730
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 73,467 |  | 3,101 |  | 1,418 |  | 387 |  | 4,906 |  | 78,373
Retail banking |  | 1,518 |  | 13 |  | 4 |  | 17 |  | 34 |  | 1,552
Total consumer banking |  | 74,985 |  | 3,114 |  | 1,422 |  | 404 |  | 4,940 |  | 79,925
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 37,417 |  | 0 |  | 1 |  | 35 |  | 36 |  | 37,453
Commercial and industrial |  | 56,942 |  | 61 |  | 55 |  | 165 |  | 281 |  | 57,223
Total commercial banking |  | 94,359 |  | 61 |  | 56 |  | 200 |  | 317 |  | 94,676
Total loans(1) |  | $ | 302,305 |  | $ | 4,666 |  | $ | 2,511 |  | $ | 2,849 |  | $ | 10,026 |  | $ | 312,331
% of Total loans |  | 96.79% |  | 1.50% |  | 0.80% |  | 0.91% |  | 3.21% |  | 100.00%
|  | December 31, 2021
|  |  |  | Delinquent Loans |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 106,312 |  | $ | 773 |  | $ | 528 |  | $ | 1,110 |  |  | $ | 2,411 |  |  | $ | 108,723 |
International card businesses |  | 5,836 |  | 77 |  | 50 |  | 86 |  |  | 213 |  |  | 6,049 |
Total credit card |  | 112,148 |  | 850 |  | 578 |  | 1,196 |  |  | 2,624 |  |  | 114,772 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 72,221 |  | 2,385 |  | 933 |  | 240 |  |  | 3,558 |  |  | 75,779 |
Retail banking |  | 1,807 |  | 35 |  | 7 |  | 18 |  |  | 60 |  |  | 1,867 |
Total consumer banking |  | 74,028 |  | 2,420 |  | 940 |  | 258 |  |  | 3,618 |  |  | 77,646 |
|  | December 31, 2021
|  |  |  | Delinquent Loans |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | Total Loans
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 35,100 |  | 92 |  | 35 |  | 35 |  | 162 |  | 35,262
Commercial and industrial |  | 49,379 |  | 139 |  | 103 |  | 39 |  | 281 |  | 49,660
Total commercial banking |  | 84,479 |  | 231 |  | 138 |  | 74 |  | 443 |  | 84,922
Total loans(1) |  | $ | 270,655 |  | $ | 3,501 |  | $ | 1,656 |  | $ | 1,528 |  | $ | 6,685 |  | $ | 277,340
% of Total loans |  | 97.59% |  | 1.26% |  | 0.60% |  | 0.55% |  | 2.41% |  | 100.00%
__________ (1)Loans include unamortized premiums, discounts, and deferred fees and costs totaling $1.4 billion as of both December 31, 2022 and 2021.
90 Plus Day Delinquent Loans Accruing Interest and Nonperforming Loans | The following table presents our loans held for investment that are 90 days or more past due that continue to accrue interest, loans that are classified as nonperforming and loans that are classified as nonperforming without an allowance as of December 31, 2022 and 2021. Nonperforming loans generally include loans that have been placed on nonaccrual status. Table 3.2: 90+ Day Delinquent Loans Accruing Interest and Nonperforming Loans
|  | December 31, 2022 |  | December 31, 2021
(Dollars in millions) |  | > 90 Days and Accruing |  | Nonperforming Loans(1) |  | Nonperforming Loans Without an Allowance |  | > 90 Days and Accruing |  | Nonperforming Loans(1) |  | Nonperforming Loans Without an Allowance
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 2,135 |  |  | N/A |  | $ | 0 |  |  | $ | 1,110 |  |  | N/A |  | $ | 0 |
International card businesses |  | 105 |  |  | $ | 9 |  |  | 0 |  |  | 82 |  |  | $ | 10 |  |  | 0 |
Total credit card |  | 2,240 |  |  | 9 |  |  | 0 |  |  | 1,192 |  |  | 10 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 0 |  |  | 595 |  |  | 0 |  |  | 0 |  |  | 344 |  |  | 0 |
Retail banking |  | 0 |  |  | 39 |  |  | 8 |  |  | 0 |  |  | 47 |  |  | 4 |
Total consumer banking |  | 0 |  |  | 634 |  |  | 8 |  |  | 0 |  |  | 391 |  |  | 4 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 271 |  |  | 246 |  |  | 3 |  |  | 383 |  |  | 268 |
Commercial and industrial |  | 0 |  |  | 430 |  |  | 294 |  |  | 0 |  |  | 316 |  |  | 257 |
Total commercial banking |  | 0 |  |  | 701 |  |  | 540 |  |  | 3 |  |  | 699 |  |  | 525 |
Total |  | $ | 2,240 |  |  | $ | 1,344 |  |  | $ | 548 |  |  | $ | 1,195 |  |  | $ | 1,100 |  |  | $ | 529 |
% of Total loans held for investment |  | 0.72 | % |  | 0.43 | % |  | 0.18 | % |  | 0.43 | % |  | 0.40 | % |  | 0.19 | %
__________ (1)We recognized interest income for loans classified as nonperforming of $66 million and $43 million for the years ended December 31, 2022 and 2021 respectively
Financing Receivable, Allowance for Credit Loss [Line Items] |
TDR Disclosures | The following tables present the major modification types, amortized cost amounts and financial effects of loans modified in a TDR during the years ended December 31, 2022, 2021 and 2020. Table 3.6: Troubled Debt Restructurings
|  |  |  | Year Ended December 31, 2022
|  |  |  | Reduced Interest Rate |  | Term Extension |  |
(Dollars in millions) |  | Total Loans Modified(1) |  | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months) |  |  |  |
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 306 |  | 100 | % |  | 16.54 | % |  | N/A |  | N/A |  |  |  |
International card businesses |  | 127 |  | 100 |  |  | 27.42 |  |  | N/A |  | N/A |  |  |  |
Total credit card |  | 433 |  | 100 |  |  | 19.73 |  |  | N/A |  | N/A |  |  |  |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 1,070 |  | 57 |  |  | 8.53 |  |  | 97 | % |  | 4 |  |  |  |
Retail banking |  | 7 |  | N/A |  | N/A |  | 92 |  |  | 13 |  |  |  |
Total consumer banking |  | 1,077 |  | 57 |  |  | 8.53 |  |  | 97 |  |  | 4 |  |  |  |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 385 |  | 8 |  |  | 0.28 |  |  | 84 |  |  | 13 |  |  |  |
Commercial and industrial |  | 357 |  | N/A |  | N/A |  | 64 |  |  | 13 |  |  |  |
Total commercial banking |  | 742 |  | 4 |  |  | 0.28 |  |  | 74 |  |  | 13 |  |  |  |
Total |  | $ | 2,252 |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  | Year Ended December 31, 2021
|  |  |  | Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) |  | Total Loans Modified(1) |  | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months) |  | % of TDR Activity(2) |  | Gross Balance Reduction
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 154 |  | 100 | % |  | 15.90 | % |  | N/A |  | N/A |  | N/A |  | N/A
International card businesses |  | 123 |  | 100 |  |  | 27.70 |  |  | N/A |  | N/A |  | N/A |  | N/A
Total credit card |  | 277 |  | 100 |  |  | 21.15 |  |  | N/A |  | N/A |  | N/A |  | N/A
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 371 |  | 43 |  |  | 8.72 |  |  | 93 | % |  | 4 |  | 0 | % |  | $ | 1
Retail banking |  | 3 |  | 13 |  |  | 2.94 |  |  | 30 |  |  | 42 |  | N/A |  | N/A
Total consumer banking |  | 374 |  | 42 |  |  | 8.70 |  |  | 93 |  |  | 4 |  | 0 |  |  | 1
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 49 |  | 21 |  |  | 1.19 |  |  | 85 |  |  | 11 |  | N/A |  | N/A
Commercial and industrial |  | 112 |  | N/A |  | N/A |  | 30 |  |  | 6 |  | N/A |  | N/A
Total commercial banking |  | 161 |  | 6 |  | 1.19 |  |  | 46 |  |  | 9 |  | N/A |  | N/A
Total |  | $ | 812 |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  | Year Ended December 31, 2020
|  |  |  | Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) |  | Total Loans Modified(1) |  | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months) |  | % of TDR Activity(2) |  | Gross Balance Reduction
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 243 |  | 100 | % |  | 15.94 | % |  | N/A |  | N/A |  | N/A |  | N/A
International card businesses |  | 168 |  | 100 |  |  | 27.38 |  |  | N/A |  | N/A |  | N/A |  | N/A
Total credit card |  | 411 |  | 100 |  |  | 20.61 |  |  | N/A |  | N/A |  | N/A |  | N/A
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 536 |  | 11 |  |  | 5.68 |  |  | 95 | % |  | 3 |  | 0 | % |  | $ | 1
Retail banking |  | 5 |  | 11 |  |  | 10.86 |  |  | 20 |  |  | 8 |  | N/A |  | N/A
Total consumer banking |  | 541 |  | 11 |  |  | 5.73 |  |  | 94 |  |  | 3 |  | 0 |  |  | 1
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 98 |  | N/A |  | N/A |  | 86 |  |  | 5 |  | N/A |  | N/A
Commercial and industrial |  | 439 |  | 4 |  | 0.14 |  |  | 52 |  |  | 21 |  | 4 |  |  | 7
Total commercial banking |  | 537 |  | 3 |  | 0.14 |  |  | 58 |  |  | 17 |  | 3 |  |  | 7
Total |  | $ | 1,489 |  |  |  |  |  |  |  |  |  |  |  |
__________ (1)Represents the amortized cost of total loans modified in TDR at the end of the period in which they were modified. As not every modification type is included in the table above, the total percentage of TDR activity may not add up to 100%. Some loans may receive more than one type of modification. (2)Due to multiple modification types granted to some troubled borrowers, percentages may total more than 100% for certain loan types. The following table presents the type, number and amortized cost of loans modified in a TDR that experienced a default during the period and had completed a modification event in the twelve months prior to the default. A default occurs if the loan is either 90 days or more delinquent, has been charged off as of the end of the period presented or has been reclassified from accrual to nonaccrual status. Table 3.7: TDR—Subsequent Defaults
|  |  |  | Year Ended December 31,
|  |  |  |  |  | 2022 |  | 2021 |  | 2020
(Dollars in millions) |  |  |  |  |  |  |  |  |  | Number of Contracts |  | Amount |  | Number of Contracts |  | Amount |  | Number of Contracts |  | Amount
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  |  |  |  |  |  |  |  |  | 37,029 |  |  | $ | 75 |  |  | 18,694 |  |  | $ | 35 |  |  | 32,639 |  |  | $ | 69 |
International card businesses |  |  |  |  |  |  |  |  |  | 74,432 |  |  | 79 |  |  | 58,914 |  |  | 87 |  |  | 58,363 |  |  | 87 |
Total credit card |  |  |  |  |  |  |  |  |  | 111,461 |  |  | 154 |  |  | 77,608 |  |  | 122 |  |  | 91,002 |  |  | 156 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  |  |  |  |  |  |  |  |  | 16,100 |  |  | 285 |  |  | 8,847 |  |  | 136 |  |  | 5,877 |  |  | 77 |
Retail banking |  |  |  |  |  |  |  |  |  | 1 |  |  | 1 |  |  | 9 |  |  | 0 |  |  | 10 |  |  | 1 |
Total consumer banking |  |  |  |  |  |  |  |  |  | 16,101 |  |  | 286 |  |  | 8,856 |  |  | 136 |  |  | 5,887 |  |  | 78 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  |  |  |  |  |  |  |  |  | 2 |  |  | 27 |  |  | 1 |  |  | 50 |  |  | 1 |  |  | 50 |
Commercial and industrial |  |  |  |  |  |  |  |  |  | 5 |  |  | 56 |  |  | 7 |  |  | 120 |  |  | 15 |  |  | 130 |
Total commercial banking |  |  |  |  |  |  |  |  |  | 7 |  |  | 83 |  |  | 8 |  |  | 170 |  |  | 16 |  |  | 180 |
Total |  |  |  |  |  |  |  |  |  | 127,569 |  |  | $ | 523 |  |  | 86,472 |  |  | $ | 428 |  |  | 96,905 |  |  | $ | 414 |
Credit Card |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Credit Quality Indicator | The table below presents our credit card portfolio by delinquency status as of December 31, 2022 and 2021. Table 3.3: Credit Card Delinquency Status
|  |  |  | December 31, 2022 |  | December 31, 2021
(Dollars in millions) |  |  |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  |  |  | $ | 126,811 |  |  | $ | 255 |  |  | $ | 127,066 |  |  | $ | 105,985 |  |  | $ | 327 |  |  | $ | 106,312 |
30-59 days |  |  |  | 1,388 |  |  | 17 |  |  | 1,405 |  |  | 760 |  |  | 13 |  |  | 773 |
60-89 days |  |  |  | 964 |  |  | 11 |  |  | 975 |  |  | 519 |  |  | 9 |  |  | 528 |
Greater than 90 days |  |  |  | 2,121 |  |  | 14 |  |  | 2,135 |  |  | 1,100 |  |  | 10 |  |  | 1,110 |
Total domestic credit card |  |  |  | 131,284 |  |  | 297 |  |  | 131,581 |  |  | 108,364 |  |  | 359 |  |  | 108,723 |
International card businesses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  |  |  | 5,866 |  |  | 29 |  |  | 5,895 |  |  | 5,795 |  |  | 41 |  |  | 5,836 |
30-59 days |  |  |  | 83 |  |  | 3 |  |  | 86 |  |  | 73 |  |  | 4 |  |  | 77 |
60-89 days |  |  |  | 55 |  |  | 3 |  |  | 58 |  |  | 47 |  |  | 3 |  |  | 50 |
Greater than 90 days |  |  |  | 106 |  |  | 4 |  |  | 110 |  |  | 82 |  |  | 4 |  |  | 86 |
Total international card businesses |  |  |  | 6,110 |  |  | 39 |  |  | 6,149 |  |  | 5,997 |  |  | 52 |  |  | 6,049 |
Total credit card |  |  |  | $ | 137,394 |  |  | $ | 336 |  |  | $ | 137,730 |  |  | $ | 114,361 |  |  | $ | 411 |  |  | $ | 114,772 |
Consumer Banking |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Credit Quality Indicator | The table below presents our consumer banking portfolio of loans held for investment by credit quality indicator as of December 31, 2022 and 2021. We present our auto loan portfolio by FICO scores at origination and our retail banking loan portfolio by delinquency status, which includes all past due loans, both performing and nonperforming. Table 3.4: Consumer Banking Portfolio by Credit Quality Indicator
|  | December 31, 2022 |  |
|  | Term Loans by Vintage Year |  |  |  |  |  |  |  |
(Dollars in millions) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  |
Auto—At origination FICO scores:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Greater than 660 |  | $ | 17,872 |  |  | $ | 14,246 |  |  | $ | 5,354 |  |  | $ | 2,595 |  |  | $ | 1,032 |  |  | $ | 328 |  |  | $ | 41,427 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 41,427 |  |  |
621-660 |  | 6,212 |  |  | 5,060 |  |  | 2,257 |  |  | 1,167 |  |  | 513 |  |  | 185 |  |  | 15,394 |  |  | 0 |  |  | 0 |  |  | 15,394 |  |  |
620 or below |  | 7,717 |  |  | 6,501 |  |  | 3,898 |  |  | 2,144 |  |  | 914 |  |  | 378 |  |  | 21,552 |  |  | 0 |  |  | 0 |  |  | 21,552 |  |  |
Total auto |  | 31,801 |  |  | 25,807 |  |  | 11,509 |  |  | 5,906 |  |  | 2,459 |  |  | 891 |  |  | 78,373 |  |  | 0 |  |  | 0 |  |  | 78,373 |  |  |
Retail banking—Delinquency status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | 166 |  |  | 128 |  |  | 82 |  |  | 133 |  |  | 127 |  |  | 470 |  |  | 1,106 |  |  | 408 |  |  | 4 |  |  | 1,518 |  |  |
30-59 days |  | 2 |  |  | 1 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 |  |  | 5 |  |  | 8 |  |  | 0 |  |  | 13 |  |  |
60-89 days |  | 0 |  |  | 1 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 2 |  |  | 2 |  |  | 0 |  |  | 4 |  |  |
Greater than 90 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 3 |  |  | 8 |  |  | 11 |  |  | 4 |  |  | 2 |  |  | 17 |  |  |
Total retail banking |  | 168 |  |  | 130 |  |  | 82 |  |  | 133 |  |  | 130 |  |  | 481 |  |  | 1,124 |  |  | 422 |  |  | 6 |  |  | 1,552 |  |  |
Total consumer banking |  | $ | 31,969 |  |  | $ | 25,937 |  |  | $ | 11,591 |  |  | $ | 6,039 |  |  | $ | 2,589 |  |  | $ | 1,372 |  |  | $ | 79,497 |  |  | $ | 422 |  |  | $ | 6 |  |  | $ | 79,925 |  |  |
|  | December 31, 2021
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Auto—At origination FICO scores:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Greater than 660 |  | $ | 20,758 |  |  | $ | 8,630 |  |  | $ | 4,739 |  |  | $ | 2,394 |  |  | $ | 1,153 |  |  | $ | 301 |  |  | $ | 37,975 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 37,975 |
621-660 |  | 7,456 |  |  | 3,721 |  |  | 2,109 |  |  | 1,084 |  |  | 537 |  |  | 157 |  |  | 15,064 |  |  | 0 |  |  | 0 |  |  | 15,064 |
620 or below |  | 9,522 |  |  | 6,336 |  |  | 3,767 |  |  | 1,840 |  |  | 949 |  |  | 326 |  |  | 22,740 |  |  | 0 |  |  | 0 |  |  | 22,740 |
Total auto |  | 37,736 |  |  | 18,687 |  |  | 10,615 |  |  | 5,318 |  |  | 2,639 |  |  | 784 |  |  | 75,779 |  |  | 0 |  |  | 0 |  |  | 75,779 |
Retail banking—Delinquency status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | 285 |  |  | 171 |  |  | 172 |  |  | 161 |  |  | 176 |  |  | 491 |  |  | 1,456 |  |  | 345 |  |  | 6 |  |  | 1,807 |
30-59 days |  | 0 |  |  | 2 |  |  | 2 |  |  | 7 |  |  | 0 |  |  | 1 |  |  | 12 |  |  | 23 |  |  | 0 |  |  | 35 |
60-89 days |  | 0 |  |  | 4 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 |  |  | 6 |  |  | 1 |  |  | 0 |  |  | 7 |
Greater than 90 days |  | 0 |  |  | 1 |  |  | 0 |  |  | 1 |  |  | 1 |  |  | 9 |  |  | 12 |  |  | 4 |  |  | 2 |  |  | 18 |
Total retail banking |  | 285 |  |  | 178 |  |  | 174 |  |  | 169 |  |  | 177 |  |  | 503 |  |  | 1,486 |  |  | 373 |  |  | 8 |  |  | 1,867 |
|  | December 31, 2021
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Total consumer banking |  | $ | 38,021 |  |  | $ | 18,865 |  |  | $ | 10,789 |  |  | $ | 5,487 |  |  | $ | 2,816 |  |  | $ | 1,287 |  |  | $ | 77,265 |  |  | $ | 373 |  |  | $ | 8 |  |  | $ | 77,646 |
__________ (1)Amounts represent period-end loans held for investment in each credit score category. Auto credit scores generally represent average FICO scores obtained from three credit bureaus at the time of application and are not refreshed thereafter. Balances for which no credit score is available or the credit score is invalid are included in the 620 or below category.
Commercial Banking |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Credit Quality Indicator | The following table presents our commercial banking portfolio of loans held for investment by internal risk ratings as of December 31, 2022 and 2021. The internal risk rating status includes all past due loans, both performing and nonperforming. Table 3.5: Commercial Banking Portfolio by Internal Risk Ratings
|  | December 31, 2022
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Internal risk rating:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | $ | 9,527 |  |  | $ | 4,086 |  |  | $ | 1,161 |  |  | $ | 1,671 |  |  | $ | 1,280 |  |  | $ | 2,898 |  |  | $ | 20,623 |  |  | $ | 13,254 |  |  | $ | 25 |  |  | $ | 33,902 |
Criticized performing |  | 814 |  |  | 376 |  |  | 202 |  |  | 412 |  |  | 302 |  |  | 1,061 |  |  | 3,167 |  |  | 113 |  |  | 0 |  |  | 3,280 |
Criticized nonperforming |  | 101 |  |  | 22 |  |  | 0 |  |  | 13 |  |  | 19 |  |  | 116 |  |  | 271 |  |  | 0 |  |  | 0 |  |  | 271 |
Total commercial and multifamily real estate |  | 10,442 |  |  | 4,484 |  |  | 1,363 |  |  | 2,096 |  |  | 1,601 |  |  | 4,075 |  |  | 24,061 |  |  | 13,367 |  |  | 25 |  |  | 37,453 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | 22,105 |  |  | 6,031 |  |  | 2,934 |  |  | 1,809 |  |  | 973 |  |  | 2,658 |  |  | 36,510 |  |  | 17,187 |  |  | 21 |  |  | 53,718 |
Criticized performing |  | 992 |  |  | 560 |  |  | 156 |  |  | 160 |  |  | 167 |  |  | 76 |  |  | 2,111 |  |  | 964 |  |  | 0 |  |  | 3,075 |
Criticized nonperforming |  | 196 |  |  | 21 |  |  | 5 |  |  | 87 |  |  | 40 |  |  | 5 |  |  | 354 |  |  | 76 |  |  | 0 |  |  | 430 |
Total commercial and industrial |  | 23,293 |  |  | 6,612 |  |  | 3,095 |  |  | 2,056 |  |  | 1,180 |  |  | 2,739 |  |  | 38,975 |  |  | 18,227 |  |  | 21 |  |  | 57,223 |
Total commercial banking |  | $ | 33,735 |  |  | $ | 11,096 |  |  | $ | 4,458 |  |  | $ | 4,152 |  |  | $ | 2,781 |  |  | $ | 6,814 |  |  | $ | 63,036 |  |  | $ | 31,594 |  |  | $ | 46 |  |  | $ | 94,676 |
|  | December 31, 2021
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Internal risk rating:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | $ | 6,590 |  |  | $ | 2,924 |  |  | $ | 3,393 |  |  | $ | 2,401 |  |  | $ | 793 |  |  | $ | 3,538 |  |  | $ | 19,639 |  |  | $ | 12,286 |  |  | $ | 0 |  |  | $ | 31,925 |
Criticized performing |  | 248 |  |  | 195 |  |  | 329 |  |  | 317 |  |  | 261 |  |  | 1,478 |  |  | 2,828 |  |  | 101 |  |  | 25 |  |  | 2,954 |
Criticized nonperforming |  | 0 |  |  | 0 |  |  | 88 |  |  | 20 |  |  | 9 |  |  | 266 |  |  | 383 |  |  | 0 |  |  | 0 |  |  | 383 |
Total commercial and multifamily real estate |  | 6,838 |  |  | 3,119 |  |  | 3,810 |  |  | 2,738 |  |  | 1,063 |  |  | 5,282 |  |  | 22,850 |  |  | 12,387 |  |  | 25 |  |  | 35,262 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | 12,662 |  |  | 7,039 |  |  | 5,506 |  |  | 2,750 |  |  | 1,730 |  |  | 3,033 |  |  | 32,720 |  |  | 14,310 |  |  | 59 |  |  | 47,089 |
Criticized performing |  | 279 |  |  | 188 |  |  | 838 |  |  | 207 |  |  | 120 |  |  | 167 |  |  | 1,799 |  |  | 456 |  |  | 0 |  |  | 2,255 |
Criticized nonperforming |  | 32 |  |  | 52 |  |  | 85 |  |  | 93 |  |  | 6 |  |  | 10 |  |  | 278 |  |  | 38 |  |  | 0 |  |  | 316 |
Total commercial and industrial |  | 12,973 |  |  | 7,279 |  |  | 6,429 |  |  | 3,050 |  |  | 1,856 |  |  | 3,210 |  |  | 34,797 |  |  | 14,804 |  |  | 59 |  |  | 49,660 |
Total commercial banking |  | $ | 19,811 |  |  | $ | 10,398 |  |  | $ | 10,239 |  |  | $ | 5,788 |  |  | $ | 2,919 |  |  | $ | 8,492 |  |  | $ | 57,647 |  |  | $ | 27,191 |  |  | $ | 84 |  |  | $ | 84,922 |
__________ (1)Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities.

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