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Loans (Tables)

12 Months Ended

Dec. 31, 2023

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, 2023 and 2022. The delinquency aging includes all past due loans, both performing and nonperforming.

Table 3.1: Loan Portfolio Composition and Aging Analysis

						December 31, 2023
												Delinquent Loans
(Dollars in millions)						Current						30-59 Days						60-89 Days						> 90 Days						Total Delinquent Loans						Total Loans
Credit Card:
Domestic credit card						$	140,860					$	1,968					$	1,471					$	3,367					$	6,806					$	147,666
International card businesses						6,552						116						76						137						329						6,881
Total credit card						147,412						2,084						1,547						3,504						7,135						154,547
Consumer Banking:
Auto						68,768						3,268						1,555						484						5,307						74,075
Retail banking						1,329						15						3						15						33						1,362
Total consumer banking						70,097						3,283						1,558						499						5,340						75,437
Commercial Banking:
Commercial and multifamily real estate						34,325						0						14						107						121						34,446
Commercial and industrial						55,861						0						0						181						181						56,042
Total commercial banking						90,186						0						14						288						302						90,488
Total loans(1)						$	307,695					$	5,367					$	3,119					$	4,291					$	12,777					$	320,472
% of Total loans						96.01%						1.68%						0.97%						1.34%						3.99%						100.00%

    

						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

						December 31, 2022
												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						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%

__________

(1)Loans include unamortized premiums, discounts, and deferred fees and costs totaling $1.4 billion as of both December 31, 2023 and 2022

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, 2023 and 2022. 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, 2023																		December 31, 2022
(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						$	3,367					N/A						$	0					$	2,135					N/A						$	0
International card businesses						132						$	9					0						105						$	9					0
Total credit card						3,499						9						0						2,240						9						0
Consumer Banking:
Auto						0						712						0						0						595						0
Retail banking						0						46						19						0						39						8
Total consumer banking						0						758						19						0						634						8
Commercial Banking:
Commercial and multifamily real estate						0						425						335						0						271						246
Commercial and industrial						55						336						193						0						430						294
Total commercial banking						55						761						528						0						701						540
Total						$	3,554					$	1,528					$	547					$	2,240					$	1,344					$	548
% of Total loans held for investment						1.11		%				0.48		%				0.17		%				0.72		%				0.43		%				0.18		%

__________

(1)We recognized interest income for loans classified as nonperforming of $91 million and $66 million for the years ended December 31, 2023 and 2022, respectively

Credit Quality Indicator

The table below presents our credit card portfolio by delinquency status as of December 31, 2023 and 2022.

Table 3.3: Credit Card Delinquency Status

												December 31, 2023																		December 31, 2022
(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												$	140,521					$	339					$	140,860					$	126,811					$	255					$	127,066
30-59 days												1,940						28						1,968						1,388						17						1,405
60-89 days												1,454						17						1,471						964						11						975
Greater than 90 days												3,339						28						3,367						2,121						14						2,135
Total domestic credit card												147,254						412						147,666						131,284						297						131,581
International card businesses:
Current												6,521						31						6,552						5,866						29						5,895
30-59 days												112						4						116						83						3						86
60-89 days												72						4						76						55						3						58
Greater than 90 days												132						5						137						106						4						110
Total international card businesses												6,837						44						6,881						6,110						39						6,149
Total credit card												$	154,091					$	456					$	154,547					$	137,394					$	336					$	137,730

The table below presents our consumer banking portfolio of loans held for investment by credit quality indicator as of December 31, 2023 and 2022. We present our auto loan portfolio by Fair Isaac Corporation (“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 Vintage Year

						December 31, 2023
						Term Loans by Vintage Year
(Dollars in millions)						2023						2022						2021						2020						2019						Prior						Total Term Loans						Revolving Loans						Revolving Loans Converted to Term						Total
Auto—At origination FICO scores:(1)
Greater than 660						$	12,219					$	12,593					$	9,505					$	3,124					$	1,213					$	309					$	38,963					$	0					$	0					$	38,963
621-660						4,863						4,432						3,346						1,337						592						192						14,762						0						0						14,762
620 or below						6,647						5,539						4,283						2,349						1,131						401						20,350						0						0						20,350
Total auto						23,729						22,564						17,134						6,810						2,936						902						74,075						0						0						74,075
Retail banking—Delinquency status:
Current						98						157						57						65						117						468						962						363						4						1,329
30-59 days						1						0						1						1						0						1						4						11						0						15
60-89 days						0						0						0						0						0						1						1						2						0						3
Greater than 90 days						0						0						0						0						0						8						8						6						1						15
Total retail banking						99						157						58						66						117						478						975						382						5						1,362
Total consumer banking						$	23,828					$	22,721					$	17,192					$	6,876					$	3,053					$	1,380					$	75,050					$	382					$	5					$	75,437

						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

__________

(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.

The following table presents our commercial banking portfolio of loans held for investment by internal risk ratings as of December 31, 2023 and 2022. 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, 2023
						Term Loans by Vintage Year
(Dollars in millions)						2023						2022						2021						2020						2019						Prior						Total Term Loans						Revolving Loans						Revolving Loans Converted to Term						Total
Internal risk rating:(1)
Commercial and multifamily real estate
Noncriticized						$	3,068					$	4,665					$	2,773					$	1,019					$	2,104					$	3,670					$	17,299					$	12,565					$	25					$	29,889
Criticized performing						148						1,494						706						284						463						904						3,999						133						0						4,132
Criticized nonperforming						65						26						124						0						47						163						425						0						0						425
Total commercial and multifamily real estate						3,281						6,185						3,603						1,303						2,614						4,737						21,723						12,698						25						34,446
Commercial and industrial
Noncriticized						6,909						11,935						6,994						3,566						2,359						5,117						36,880						14,822						167						51,869
Criticized performing						353						706						655						237						348						349						2,648						1,189						0						3,837
Criticized nonperforming						13						53						30						18						123						68						305						31						0						336
Total commercial and industrial						7,275						12,694						7,679						3,821						2,830						5,534						39,833						16,042						167						56,042
Total commercial banking						$	10,556					$	18,879					$	11,282					$	5,124					$	5,444					$	10,271					$	61,556					$	28,740					$	192					$	90,488

						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						$	5,860					$	4,807					$	1,676					$	2,879					$	1,927					$	3,474					$	20,623					$	13,254					$	25					$	33,902
Criticized performing						359						487						212						535						378						1,196						3,167						113						0						3,280
Criticized nonperforming						1						22						0						94						19						135						271						0						0						271
Total commercial and multifamily real estate						6,220						5,316						1,888						3,508						2,324						4,805						24,061						13,367						25						37,453
Commercial and industrial
Noncriticized						13,485						7,993						4,466						3,420						1,797						5,349						36,510						17,187						21						53,718
Criticized performing						482						686						216						336						228						163						2,111						964						0						3,075
Criticized nonperforming						30						29						0						156						82						57						354						76						0						430
Total commercial and industrial						13,997						8,708						4,682						3,912						2,107						5,569						38,975						18,227						21						57,223
Total commercial banking						$	20,217					$	14,024					$	6,570					$	7,420					$	4,431					$	10,374					$	63,036					$	31,594					$	46					$	94,676

__________

(1)Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities.

The table below presents gross charge-offs for loans held for investment by vintage year during the year ended December 31, 2023.

Table 4.2: Gross Charge-Offs by Vintage Year

						Year Ended December 31, 2023
						Term Loans by Vintage Year
(Dollars in millions)						2023						2022						2021						2020						2019						Prior						Total Term Loans						Revolving Loans						Revolving Loans Converted to Term						Total
Credit Card
Domestic credit card						N/A						N/A						N/A						N/A						N/A						N/A						N/A						$	7,261					$	87					$	7,348
International card business						N/A						N/A						N/A						N/A						N/A						N/A						N/A						425						14						439
Total credit card						N/A						N/A						N/A						N/A						N/A						N/A						N/A						7,686						101						7,787
Consumer Banking
Auto						$	141					$	780					$	710					$	327					$	183					$	111					$	2,252					0						0						2,252
Retail banking						0						0						2						0						0						0						2						72						1						75
Total consumer banking						141						780						712						327						183						111						2,254						72						1						2,327
Commercial Banking
Commercial and multifamily real estate						0						33						60						22						158						219						492						0						0						492
Commercial and industrial						2						9						0						0						57						11						79						17						0						96
Total commercial banking						2						42						60						22						215						230						571						17						0						588
Total						$	143					$	822					$	772					$	349					$	398					$	341					$	2,825					$	7,775					$	102					$	10,702

TDR Disclosures

The following table presents the major modification types, amortized cost amounts for each modification type and financial effects for all FDMs undertaken during for the year ended December 31, 2023.

Table 3.6: Financial Difficulty Modifications to Borrowers

						Year Ended December 31, 2023
						Credit Card																		Consumer Banking																		Commercial Banking
(Dollars in millions)						Domestic Card						International Card Businesses						Total Credit Card						Auto						Retail Banking						Total Consumer Banking						Commercial and Multifamily Real Estate						Commercial and Industrial						Total Commercial Banking						Total
Interest rate reduction						$	590					$	97					$	687					—						—						—						—						—						—						$	687
Term extension						—						—						—						$	65					$	6					$	71					$	463					$	436					$	899					970
Principal balance reduction						—						—						—						21						—						21						—						—						—						21
Principal balance reduction and term extension						—						—						—						—						—						—						—						11						11						11
Interest rate reduction and term extension						12						—						12						672						1						673						—						26						26						711
Other(1)						—						—						—						4						3						7						2						451						453						460
Total loans modified						$	602					$	97					$	699					$	762					$	10					$	772					$	465					$	924					$	1,389					$	2,860
% of total class of receivables						0.41		%				1.41		%				0.45		%				1.03		%				0.74		%				1.02		%				1.35		%				1.65		%				1.54		%				0.89		%

__________

(1)Consumer Banking and Commercial Banking consists of modifications other than interest rate reduction, term extension, or principal balance reduction.

Table 3.7: Financial Effects of Financial Difficulty Modifications to Borrowers

						Year Ended December 31, 2023
						Credit Card															Consumer Banking															Commercial Banking
(Dollars in millions)						Domestic Card						International Card Businesses												Auto						Retail Banking												Commercial and Multifamily Real Estate						Commercial and Industrial
Weighted-average interest rate reduction						19.32%						27.10%												8.72%						2.00%												—						0.25%
Payment delay duration (in months)						12						—												5.93						10.35												13.38						6.79
Principal balance reduction						—						—												$1						—												$20						$3

The following table presents FDMs over a rolling 12 month period by delinquency status as of December 31, 2023.

Table 3.8 Delinquency Status of Loan Modifications to Borrowers Experiencing Financial Difficulty(1)

						December 31, 2023
												Delinquent Loans
(Dollars in millions)						Current						30-59 Days						60-89 Days						> 90 Days						Total Delinquent Loans						Total Loans
Credit Card:
Domestic credit card						$	384					$	81					$	46					$	91					$	218					$	602
International card businesses						49						9						9						30						48						97
Total credit card						433						90						55						121						266						699
Consumer Banking:
Auto						548						107						76						31						214						762
Retail banking						10						0						0						0						0						10
Total consumer banking						558						107						76						31						214						772
Commercial Banking:
Commercial and multifamily real estate						426						0						0						39						39						465
Commercial and industrial						820						0						0						104						104						924
Total commercial banking						1,246						0						0						143						143						1,389
Total						$	2,237					$	197					$	131					$	295					$	623					$	2,860

__________

(1)Commitments to lend additional funds on FDMs totaled $109 million as of December 31, 2023.

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 and 2021.

Table 3.10: Troubled Debt Restructurings(1)

												Year Ended December 31, 2022
												Reduced Interest Rate												Term Extension
(Dollars in millions)						Total Loans Modified(2)						% of TDR Activity(3)						Average Rate Reduction						% of TDR Activity(3)						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(2)						% of TDR Activity(3)						Average Rate Reduction						% of TDR Activity(3)						Average Term Extension (Months)						% of TDR Activity(3)						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

__________

(1)Commitments to lend additional funds on loans modified in TDRs totaled $219 million and $168 million as of December 31, 2022 and 2021, respectively.

(2)Represents the amortized cost of total loans modified in TDRs 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.

(3)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 3.11: TDR—Subsequent Defaults

																		Year Ended December 31,
																		2022												2021
(Dollars in millions)																		Number of Contracts						Amount						Number of Contracts						Amount
Credit Card:
Domestic credit card																		37,029						$	75					18,694						$	35
International card businesses																		74,432						79						58,914						87
Total credit card																		111,461						154						77,608						122
Consumer Banking:
Auto																		16,100						285						8,847						136
Retail banking																		1						1						9						0
Total consumer banking																		16,101						286						8,856						136
Commercial Banking:
Commercial and multifamily real estate																		2						27						1						50
Commercial and industrial																		5						56						7						120
Total commercial banking																		7						83						8						170
Total																		127,569						$	523					86,472						$	428

Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods

The following table presents FDMs that entered subsequent default for the year ended December 31, 2023.

Table 3.9 Subsequent Defaults of Financial Difficulty Modifications to Borrowers

						Year Ended December 31, 2023
(Dollars in millions)						Interest Rate Reduction						Term Extension												Interest Rate Reduction and Term Extension												Total Loans
Credit Card:
Domestic credit card						$	89					$	0											$	1											$	90
International card businesses						20						0												0												20
Total credit card						109						0												1												110
Consumer Banking:
Auto						0						15												235												250
Total consumer banking						0						15												235												250
Commercial Banking:
Commercial and multifamily real estate						0						46												0												46
Commercial and industrial						0						51												0												51
Total commercial banking						0						97												0												97
Total						$	109					$	112											$	236											$	457

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
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- References

No definition available.

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- Definition

Tabular disclosure of troubled debt restructurings in the periods following the restructuring, including: (1) a description of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; (2) the dollar amount of the portion of the recorded [restructured] debt which is contingently payable based on the occurrence of future events or circumstances; and (3) a description of the circumstance, events, or conditions that would cause payments to occur or the creditor to forgive the contingent portion of recorded debt.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 470
-SubTopic 60
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-Publisher FASB
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- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

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-Topic 326
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-Name Accounting Standards Codification
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X

- Definition

Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty.

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Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 310
-SubTopic 10
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