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Loans (Tables) | 6 Months Ended
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Jun. 30, 2025
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 June 30, 2025 and December 31, 2024. The delinquency aging includes all past due loans, both performing and nonperforming. Table 4.1: Loan Portfolio Composition and Aging Analysis
|  | June 30, 2025
|  |  |  | Delinquent Loans |  |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 243,401 |  | $ | 2,702 |  | $ | 1,985 |  | $ | 4,393 |  | $ | 9,080 |  | $ | 252,481
Personal loans |  | 9,622 |  | 67 |  | 53 |  | 46 |  | 166 |  | 9,788
International card businesses |  | 7,096 |  | 119 |  | 73 |  | 152 |  | 344 |  | 7,440
Total credit card |  | 260,119 |  | 2,888 |  | 2,111 |  | 4,591 |  | 9,590 |  | 269,709
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 75,647 |  | 2,680 |  | 1,281 |  | 409 |  | 4,370 |  | 80,017
Retail banking |  | 1,200 |  | 11 |  | 2 |  | 3 |  | 16 |  | 1,216
Total consumer banking |  | 76,847 |  | 2,691 |  | 1,283 |  | 412 |  | 4,386 |  | 81,233
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 32,757 |  | 126 |  | 84 |  | 0 |  | 210 |  | 32,967
Commercial and industrial |  | 55,002 |  | 1 |  | 69 |  | 316 |  | 386 |  | 55,388
Total commercial banking |  | 87,759 |  | 127 |  | 153 |  | 316 |  | 596 |  | 88,355
Total loans(1) |  | $ | 424,725 |  | $ | 5,706 |  | $ | 3,547 |  | $ | 5,319 |  | $ | 14,572 |  | $ | 439,297
% of Total loans |  | 96.68% |  | 1.30% |  | 0.81% |  | 1.21% |  | 3.32% |  | 100.00%
|  | December 31, 2024
|  |  |  | Delinquent Loans |  |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 148,565 |  | $ | 1,973 |  | $ | 1,503 |  | $ | 3,577 |  | $ | 7,053 |  | $ | 155,618
Personal loans |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A
International card businesses |  | 6,570 |  | 107 |  | 72 |  | 141 |  | 320 |  | 6,890
Total credit card |  | 155,135 |  | 2,080 |  | 1,575 |  | 3,718 |  | 7,373 |  | 162,508
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 71,600 |  | 3,149 |  | 1,529 |  | 551 |  | 5,229 |  | 76,829
Retail banking |  | 1,237 |  | 13 |  | 3 |  | 10 |  | 26 |  | 1,263
Total consumer banking |  | 72,837 |  | 3,162 |  | 1,532 |  | 561 |  | 5,255 |  | 78,092
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 31,733 |  | 31 |  | 9 |  | 130 |  | 170 |  | 31,903
Commercial and industrial |  | 55,030 |  | 3 |  | 22 |  | 217 |  | 242 |  | 55,272
Total commercial banking |  | 86,763 |  | 34 |  | 31 |  | 347 |  | 412 |  | 87,175
Total loans(1) |  | $ | 314,735 |  | $ | 5,276 |  | $ | 3,138 |  | $ | 4,626 |  | $ | 13,040 |  | $ | 327,775
% of Total loans |  | 96.02% |  | 1.61% |  | 0.96% |  | 1.41% |  | 3.98% |  | 100.00%
__________ (1)Loans include unamortized premiums, discounts and deferred fees and costs totaling $946 million and $1.2 billion as of June 30, 2025 and December 31, 2024, respectively.
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 June 30, 2025 and December 31, 2024. Nonperforming loans generally include loans that have been placed on nonaccrual status. We recognized interest income for loans classified as nonperformin g of $3 million and $20 million fo r the three and six months ended June 30, 2025, respectively, and $6 million and $31 million for the three and six months ended June 30, 2024, respectively. Table 4.2: 90+ Day Delinquent Loans Accruing Interest and Nonperforming Loans
|  | June 30, 2025 |  | December 31, 2024
(Dollars in millions) |  | > 90 Days and Accruing |  | Nonperforming Loans |  | Nonperforming Loans Without an Allowance |  | > 90 Days and Accruing |  | Nonperforming Loans |  | Nonperforming Loans Without an Allowance
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 4,393 |  |  | N/A |  | $ | 0 |  |  | $ | 3,577 |  |  | N/A |  | $ | 0 |
Personal loans |  | 45 |  |  | $ | 11 |  |  | 0 |  |  | N/A |  | N/A |  | N/A
International card businesses |  | 144 |  |  | 12 |  |  | 0 |  |  | 134 |  |  | $ | 10 |  |  | 0 |
Total credit card |  | 4,582 |  |  | 23 |  |  | 0 |  |  | 3,711 |  |  | 10 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 0 |  |  | 585 |  |  | 0 |  |  | 0 |  |  | 750 |  |  | 0 |
Retail banking |  | 0 |  |  | 18 |  |  | 9 |  |  | 0 |  |  | 25 |  |  | 12 |
Total consumer banking |  | 0 |  |  | 603 |  |  | 9 |  |  | 0 |  |  | 775 |  |  | 12 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 348 |  |  | 176 |  |  | 0 |  |  | 509 |  |  | 227 |
Commercial and industrial |  | 86 |  |  | 803 |  |  | 430 |  |  | 96 |  |  | 701 |  |  | 607 |
Total commercial banking |  | 86 |  |  | 1,151 |  |  | 606 |  |  | 96 |  |  | 1,210 |  |  | 834 |
Total |  | $ | 4,668 |  |  | $ | 1,777 |  |  | $ | 615 |  |  | $ | 3,807 |  |  | $ | 1,995 |  |  | $ | 846 |
% of Total loans held for investment |  | 1.06 | % |  | 0.40 | % |  | 0.14 | % |  | 1.16 | % |  | 0.61 | % |  | 0.26 | %
Credit Quality Indicator | The tables below present our Credit Card segment by delinquency status as of June 30, 2025 and December 31, 2024. Table 4.3: Domestic and International Credit Card Delinquency Status
|  |  |  | June 30, 2025 |  | December 31, 2024
(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 |  |  |  | $ | 242,322 |  |  | $ | 1,079 |  |  | $ | 243,401 |  |  | $ | 148,112 |  |  | $ | 453 |  |  | $ | 148,565 |
30-59 days |  |  |  | 2,643 |  |  | 59 |  |  | 2,702 |  |  | 1,944 |  |  | 29 |  |  | 1,973 |
60-89 days |  |  |  | 1,940 |  |  | 45 |  |  | 1,985 |  |  | 1,483 |  |  | 20 |  |  | 1,503 |
Greater than 90 days |  |  |  | 4,300 |  |  | 93 |  |  | 4,393 |  |  | 3,549 |  |  | 28 |  |  | 3,577 |
Total domestic credit card |  |  |  | 251,205 |  |  | 1,276 |  |  | 252,481 |  |  | 155,088 |  |  | 530 |  |  | 155,618 |
International card businesses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  |  |  | 7,054 |  |  | 42 |  |  | 7,096 |  |  | 6,533 |  |  | 37 |  |  | 6,570 |
30-59 days |  |  |  | 115 |  |  | 4 |  |  | 119 |  |  | 102 |  |  | 5 |  |  | 107 |
60-89 days |  |  |  | 70 |  |  | 3 |  |  | 73 |  |  | 69 |  |  | 3 |  |  | 72 |
Greater than 90 days |  |  |  | 147 |  |  | 5 |  |  | 152 |  |  | 135 |  |  | 6 |  |  | 141 |
Total international card businesses |  |  |  | $ | 7,386 |  |  | $ | 54 |  |  | $ | 7,440 |  |  | $ | 6,839 |  |  | $ | 51 |  |  | $ | 6,890 |
Table 4.4: Personal Loans Delinquency Status
|  | June 30, 2025
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Personal loans—Delinquency status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 2,225 |  |  | $ | 3,652 |  |  | $ | 2,294 |  |  | $ | 988 |  |  | $ | 335 |  |  | $ | 128 |  |  | $ | 9,622 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 9,622 |
30-59 days |  | 3 |  |  | 20 |  |  | 25 |  |  | 13 |  |  | 4 |  |  | 2 |  |  | 67 |  |  | 0 |  | 0 |  | 67 |
60-89 days |  | 1 |  |  | 16 |  |  | 20 |  |  | 11 |  |  | 4 |  |  | 1 |  |  | 53 |  |  | 0 |  | 0 |  | 53 |
Greater than 90 days |  | 1 |  |  | 13 |  |  | 17 |  |  | 10 |  |  | 3 |  |  | 2 |  |  | 46 |  |  | 0 |  | 0 |  | 46 |
Total personal loans |  | $ | 2,230 |  |  | $ | 3,701 |  |  | $ | 2,356 |  |  | $ | 1,022 |  |  | $ | 346 |  |  | $ | 133 |  |  | $ | 9,788 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 9,788 |
The table below presents loans held for investment in our Consumer Banking segment loans held for investment by credit quality indicator as of June 30, 2025 and December 31, 2024. 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 4.5: Consumer Banking Portfolio by Vintage Year
|  | June 30, 2025 |  |
|  | Term Loans by Vintage Year |  |  |  |  |  |  |  |
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  |
Auto—At origination FICO scores:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Greater than 660 |  | $ | 9,274 |  |  | $ | 14,173 |  |  | $ | 6,668 |  |  | $ | 6,285 |  |  | $ | 4,022 |  |  | $ | 1,040 |  |  | $ | 41,462 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 41,462 |  |  |
621-660 |  | 3,466 |  |  | 4,790 |  |  | 2,846 |  |  | 2,253 |  |  | 1,436 |  |  | 517 |  |  | 15,308 |  |  | 0 |  |  | 0 |  |  | 15,308 |  |  |
620 or below |  | 6,503 |  |  | 7,052 |  |  | 4,006 |  |  | 2,814 |  |  | 1,852 |  |  | 1,020 |  |  | 23,247 |  |  | 0 |  |  | 0 |  |  | 23,247 |  |  |
Total auto |  | 19,243 |  |  | 26,015 |  |  | 13,520 |  |  | 11,352 |  |  | 7,310 |  |  | 2,577 |  |  | 80,017 |  |  | 0 |  |  | 0 |  |  | 80,017 |  |  |
Retail banking—Delinquency status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | 57 |  |  | 130 |  |  | 74 |  |  | 83 |  |  | 44 |  |  | 466 |  |  | 854 |  |  | 343 |  |  | 3 |  |  | 1,200 |  |  |
30-59 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 3 |  |  | 3 |  |  | 8 |  |  | 0 |  |  | 11 |  |  |
60-89 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 |  |  | 0 |  |  | 2 |  |  |
Greater than 90 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 0 |  |  | 3 |  |  |
Total retail banking |  | 57 |  |  | 130 |  |  | 74 |  |  | 83 |  |  | 44 |  |  | 470 |  |  | 858 |  |  | 355 |  |  | 3 |  |  | 1,216 |  |  |
Total consumer banking |  | $ | 19,300 |  |  | $ | 26,145 |  |  | $ | 13,594 |  |  | $ | 11,435 |  |  | $ | 7,354 |  |  | $ | 3,047 |  |  | $ | 80,875 |  |  | $ | 355 |  |  | $ | 3 |  |  | $ | 81,233 |  |  |
|  | December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |
|  | Term Loans by Vintage Year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in millions) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  |  |  |  |  |  |  |  |  |  |  |
Auto—At origination FICO scores:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Greater than 660 |  | $ | 17,057 |  |  | $ | 8,333 |  |  | $ | 8,194 |  |  | $ | 5,621 |  |  | $ | 1,482 |  |  | $ | 394 |  |  | $ | 41,081 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 41,081 |  |  |  |  |  |  |  |  |  |  |  |  |
621-660 |  | 5,584 |  |  | 3,492 |  |  | 2,906 |  |  | 1,986 |  |  | 667 |  |  | 235 |  |  | 14,870 |  |  | 0 |  |  | 0 |  |  | 14,870 |  |  |  |  |  |  |  |  |  |  |  |  |
620 or below |  | 8,102 |  |  | 4,882 |  |  | 3,626 |  |  | 2,546 |  |  | 1,207 |  |  | 515 |  |  | 20,878 |  |  | 0 |  |  | 0 |  |  | 20,878 |  |  |  |  |  |  |  |  |  |  |  |  |
Total auto |  | 30,743 |  |  | 16,707 |  |  | 14,726 |  |  | 10,153 |  |  | 3,356 |  |  | 1,144 |  |  | 76,829 |  |  | 0 |  |  | 0 |  |  | 76,829 |  |  |  |  |  |  |  |  |  |  |  |  |
Retail banking—Delinquency status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | 143 |  |  | 78 |  |  | 93 |  |  | 49 |  |  | 51 |  |  | 469 |  |  | 883 |  |  | 351 |  |  | 3 |  |  | 1,237 |  |  |  |  |  |  |  |  |  |  |  |  |
30-59 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 |  |  | 2 |  |  | 11 |  |  | 0 |  |  | 13 |  |  |  |  |  |  |  |  |  |  |  |  |
60-89 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 0 |  |  | 3 |  |  |  |  |  |  |  |  |  |  |  |  |
Greater than 90 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 7 |  |  | 8 |  |  | 1 |  |  | 1 |  |  | 10 |  |  |  |  |  |  |  |  |  |  |  |  |
Total retail banking |  | 143 |  |  | 78 |  |  | 93 |  |  | 49 |  |  | 52 |  |  | 479 |  |  | 894 |  |  | 365 |  |  | 4 |  |  | 1,263 |  |  |  |  |  |  |  |  |  |  |  |  |
Total consumer banking |  | $ | 30,886 |  |  | $ | 16,785 |  |  | $ | 14,819 |  |  | $ | 10,202 |  |  | $ | 3,408 |  |  | $ | 1,623 |  |  | $ | 77,723 |  |  | $ | 365 |  |  | $ | 4 |  |  | $ | 78,092 |  |  |  |  |  |  |  |  |  |  |  |  |
__________ (1)Amounts represent period-end loans held for investment in each credit score category. Auto loan 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 loans held for investment for our Commercial Banking segment by internal risk ratings as of June 30, 2025 and December 31, 2024. The internal risk rating status includes all past due loans, both performing and nonperforming. Table 4.6: Commercial Banking Portfolio by Internal Risk Ratings
|  | June 30, 2025
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Internal risk rating:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | $ | 1,100 |  |  | $ | 1,694 |  |  | $ | 2,259 |  |  | $ | 3,500 |  |  | $ | 1,823 |  |  | $ | 5,208 |  |  | $ | 15,584 |  |  | $ | 14,715 |  |  | $ | 49 |  |  | $ | 30,348 |
Criticized performing |  | 0 |  |  | 104 |  |  | 89 |  |  | 910 |  |  | 67 |  |  | 1,069 |  |  | 2,239 |  |  | 30 |  |  | 2 |  |  | 2,271 |
Criticized nonperforming |  | 10 |  |  | 18 |  |  | 0 |  |  | 21 |  |  | 81 |  |  | 218 |  |  | 348 |  |  | 0 |  |  | 0 |  |  | 348 |
Total commercial and multifamily real estate |  | 1,110 |  |  | 1,816 |  |  | 2,348 |  |  | 4,431 |  |  | 1,971 |  |  | 6,495 |  |  | 18,171 |  |  | 14,745 |  |  | 51 |  |  | 32,967 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | 3,018 |  |  | 5,358 |  |  | 5,142 |  |  | 8,986 |  |  | 4,417 |  |  | 7,898 |  |  | 34,819 |  |  | 16,717 |  |  | 116 |  |  | 51,652 |
Criticized performing |  | 5 |  |  | 168 |  |  | 340 |  |  | 362 |  |  | 623 |  |  | 510 |  |  | 2,008 |  |  | 921 |  |  | 4 |  |  | 2,933 |
Criticized nonperforming |  | 0 |  |  | 15 |  |  | 13 |  |  | 255 |  |  | 150 |  |  | 233 |  |  | 666 |  |  | 137 |  |  | 0 |  |  | 803 |
Total commercial and industrial |  | 3,023 |  |  | 5,541 |  |  | 5,495 |  |  | 9,603 |  |  | 5,190 |  |  | 8,641 |  |  | 37,493 |  |  | 17,775 |  |  | 120 |  |  | 55,388 |
Total commercial banking |  | $ | 4,133 |  |  | $ | 7,357 |  |  | $ | 7,843 |  |  | $ | 14,034 |  |  | $ | 7,161 |  |  | $ | 15,136 |  |  | $ | 55,664 |  |  | $ | 32,520 |  |  | $ | 171 |  |  | $ | 88,355 |
|  | December 31, 2024
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Internal risk rating:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | $ | 1,820 |  |  | $ | 2,574 |  |  | $ | 3,846 |  |  | $ | 2,230 |  |  | $ | 903 |  |  | $ | 4,887 |  |  | $ | 16,260 |  |  | $ | 12,691 |  |  | $ | 49 |  |  | $ | 29,000 |
Criticized performing |  | 71 |  |  | 89 |  |  | 1,072 |  |  | 35 |  |  | 110 |  |  | 922 |  |  | 2,299 |  |  | 93 |  |  | 2 |  |  | 2,394 |
Criticized nonperforming |  | 23 |  |  | 0 |  |  | 46 |  |  | 103 |  |  | 86 |  |  | 249 |  |  | 507 |  |  | 2 |  |  | 0 |  |  | 509 |
Total commercial and multifamily real estate |  | 1,914 |  |  | 2,663 |  |  | 4,964 |  |  | 2,368 |  |  | 1,099 |  |  | 6,058 |  |  | 19,066 |  |  | 12,786 |  |  | 51 |  |  | 31,903 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | 5,694 |  |  | 6,092 |  |  | 9,952 |  |  | 5,009 |  |  | 2,730 |  |  | 6,239 |  |  | 35,716 |  |  | 15,449 |  |  | 266 |  |  | 51,431 |
Criticized performing |  | 101 |  |  | 190 |  |  | 680 |  |  | 932 |  |  | 92 |  |  | 258 |  |  | 2,253 |  |  | 887 |  |  | 0 |  |  | 3,140 |
Criticized nonperforming |  | 41 |  |  | 13 |  |  | 186 |  |  | 43 |  |  | 184 |  |  | 91 |  |  | 558 |  |  | 143 |  |  | 0 |  |  | 701 |
Total commercial and industrial |  | 5,836 |  |  | 6,295 |  |  | 10,818 |  |  | 5,984 |  |  | 3,006 |  |  | 6,588 |  |  | 38,527 |  |  | 16,479 |  |  | 266 |  |  | 55,272 |
Total commercial banking |  | $ | 7,750 |  |  | $ | 8,958 |  |  | $ | 15,782 |  |  | $ | 8,352 |  |  | $ | 4,105 |  |  | $ | 12,646 |  |  | $ | 57,593 |  |  | $ | 29,265 |  |  | $ | 317 |  |  | $ | 87,175 |
__________ (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 six months ended June 30, 2025. Table 5.2: Gross Charge-Offs by Vintage Year
|  | Six Months Ended June 30, 2025
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  |  |  | 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 |  | $ | 6,159 |  |  | $ | 89 |  |  | $ | 6,248 |
Personal loans |  | $ | 1 |  |  | $ | 18 |  |  | $ | 21 |  |  | $ | 11 |  |  | $ | 3 |  |  |  |  | $ | 2 |  |  | $ | 56 |  |  | N/A |  | N/A |  | 56 |
International card business |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  |  |  | N/A |  | N/A |  | 257 |  |  | 7 |  |  | 264 |
Total credit card |  | 1 |  |  | 18 |  |  | 21 |  |  | 11 |  |  | 3 |  |  |  |  | 2 |  |  | 56 |  |  | 6,416 |  |  | 96 |  |  | 6,568 |
Consumer Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 24 |  |  | 327 |  |  | 315 |  |  | 298 |  |  | 189 |  |  |  |  | 96 |  |  | 1,249 |  |  | 0 |  |  | 0 |  |  | 1,249 |
Retail banking |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | 1 |  |  | 1 |  |  | 38 |  |  | 0 |  |  | 39 |
Total consumer banking |  | 24 |  |  | 327 |  |  | 315 |  |  | 298 |  |  | 189 |  |  |  |  | 97 |  |  | 1,250 |  |  | 38 |  |  | 0 |  |  | 1,288 |
Commercial Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 |  |  | 0 |  |  |  |  | 19 |  |  | 21 |  |  | 0 |  |  | 0 |  |  | 21 |
Commercial and industrial |  | 0 |  |  | 0 |  |  | 0 |  |  | 22 |  |  | 10 |  |  |  |  | 33 |  |  | 65 |  |  | 33 |  |  | 0 |  |  | 98 |
Total commercial banking |  | 0 |  |  | 0 |  |  | 0 |  |  | 24 |  |  | 10 |  |  |  |  | 52 |  |  | 86 |  |  | 33 |  |  | 0 |  |  | 119 |
Total |  | $ | 25 |  |  | $ | 345 |  |  | $ | 336 |  |  | $ | 333 |  |  | $ | 202 |  |  |  |  | $ | 151 |  |  | $ | 1,392 |  |  | $ | 6,487 |  |  | $ | 96 |  |  | $ | 7,975 |
FDM Disclosures | The following tables present the major modification types, amortized cost amounts for each modification type and financial effects for all FDMs undertaken during the three and six months ended June 30, 2025 and 2024. For the three and six months ended June 30, 2025, the tables include amounts of FDMs from the acquired Discover portfolio, including loans which were modified prior to the Closing Date. Table 4.7: Financial Difficulty Modifications to Borrowers
|  | Three Months Ended June 30, 2025
|  | Credit Card |  | Consumer Banking |  | Commercial Banking |  |
(Dollars in millions) |  | Domestic Card(1) |  | Personal Loans |  | 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 |  | $ | 1,023 |  | $ | — |  | $ | 58 |  |  | $ | 1,081 |  | $ | — |  | $ | — |  |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,081
Term extension |  | — |  |  | 10 |  |  | — |  |  | 10 |  |  | 41 |  |  | 1 |  |  | 42 |  |  | 262 |  |  | 164 |  |  | 426 |  |  | 478 |
Principal balance reduction |  | — |  |  | — |  |  | — |  |  | — |  |  | 9 |  |  | — |  |  | 9 |  |  | — |  |  | — |  |  | — |  |  | 9 |
Interest rate reduction and term extension |  | 4 |  |  | 18 |  |  | — |  |  | 22 |  |  | 263 |  |  | — |  |  | 263 |  |  | — |  |  | 50 |  |  | 50 |  |  | 335 |
Other(2) |  | — |  |  | 31 |  |  | — |  |  | 31 |  |  | 2 |  |  | — |  |  | 2 |  |  | 22 |  |  | 111 |  |  | 133 |  |  | 166 |
Total loans modified |  | $ | 1,027 |  | $ | 59 |  |  | $ | 58 |  |  | $ | 1,144 |  | $ | 315 |  | $ | 1 |  |  | $ | 316 |  |  | $ | 284 |  |  | $ | 325 |  |  | $ | 609 |  |  | $ | 2,069
% of total class of receivables |  | 0.41 | % |  | 0.60 | % |  | 0.78 | % |  | 0.42 | % |  | 0.39 | % |  | 0.08 | % |  | 0.39 | % |  | 0.86 | % |  | 0.59 | % |  | 0.69 | % |  | 0.47 | %
|  | Six Months Ended June 30, 2025
|  | Credit Card |  | Consumer Banking |  | Commercial Banking |  |
(Dollars in millions) |  | Domestic Card(1) |  | Personal Loans |  | 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 |  | $ | 2,185 |  | $ | — |  | $ | 93 |  | $ | 2,278 |  | $ | — |  | $ | — |  | $ | — |  | $ | 3 |  |  | $ | 16 |  |  | $ | 19 |  |  | $ | 2,297
Term extension |  | — |  |  | 22 |  |  | — |  |  | 22 |  |  | 60 |  |  | 1 |  |  | 61 |  |  | 470 |  |  | 325 |  |  | 795 |  |  | 878 |
Principal balance reduction |  | — |  |  | — |  |  | — |  |  | — |  |  | 16 |  |  | — |  |  | 16 |  |  | — |  |  | — |  |  | — |  |  | 16 |
Interest rate reduction and term extension |  | 7 |  |  | 36 |  |  | — |  |  | 43 |  |  | 479 |  |  | — |  |  | 479 |  |  | — |  |  | 50 |  |  | 50 |  |  | 572 |
Other(2) |  | — |  |  | 63 |  |  | — |  |  | 63 |  |  | 2 |  |  | — |  |  | 2 |  |  | 54 |  |  | 194 |  |  | 248 |  |  | 313 |
Total loans modified |  | $ | 2,192 |  | $ | 121 |  |  | $ | 93 |  |  | $ | 2,406 |  | $ | 557 |  | $ | 1 |  |  | $ | 558 |  |  | $ | 527 |  |  | $ | 585 |  |  | $ | 1,112 |  |  | $ | 4,076
% of total class of receivables |  | 0.87 | % |  | 1.24 | % |  | 1.24 | % |  | 0.89 | % |  | 0.70 | % |  | 0.08 | % |  | 0.69 | % |  | 1.60 | % |  | 1.06 | % |  | 1.26 | % |  | 0.93 | %
|  | Three Months Ended June 30, 2024
|  | Credit Card |  | Consumer Banking |  | Commercial Banking |  |
(Dollars in millions) |  | Domestic Card |  | Personal Loans |  | 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 |  | $ | 178 |  |  | N/A |  | $ | 57 |  |  | $ | 235 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 235 |
Term extension |  | — |  |  | N/A |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 5 |  |  | 214 |  |  | 188 |  |  | 402 |  |  | 407 |
Principal balance reduction |  | — |  |  | N/A |  | — |  |  | — |  |  | 8 |  |  | — |  |  | 8 |  |  | — |  |  | 15 |  |  | 15 |  |  | 23 |
Interest rate reduction and term extension |  | 5 |  |  | N/A |  | — |  |  | 5 |  |  | 195 |  |  | — |  |  | 195 |  |  | — |  |  | 6 |  |  | 6 |  |  | 206 |
Other(2) |  | — |  |  | N/A |  | — |  |  | — |  |  | 2 |  |  | 1 |  |  | 3 |  |  | 53 |  |  | 115 |  |  | 168 |  |  | 171 |
Total loans modified |  | $ | 183 |  |  | N/A |  | $ | 57 |  |  | $ | 240 |  |  | $ | 210 |  |  | $ | 1 |  |  | $ | 211 |  |  | $ | 267 |  |  | $ | 324 |  |  | $ | 591 |  |  | $ | 1,042 |
% of total class of receivables |  | 0.12 | % |  | N/A |  | 0.83 | % |  | 0.16 | % |  | 0.28 | % |  | 0.08 | % |  | 0.28 | % |  | 0.81 | % |  | 0.58 | % |  | 0.67 | % |  | 0.33 | %
|  | Six Months Ended June 30, 2024
|  | Credit Card |  | Consumer Banking |  | Commercial Banking |  |
(Dollars in millions) |  | Domestic Card |  | Personal Loans |  | 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 |  | $ | 361 |  |  | N/A |  | $ | 86 |  |  | $ | 447 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 447 |
Term extension |  | — |  |  | N/A |  | — |  |  | — |  |  | 10 |  |  | 2 |  |  | 12 |  |  | 373 |  |  | 327 |  |  | 700 |  |  | 712 |
Principal balance reduction |  | — |  |  | N/A |  | — |  |  | — |  |  | 14 |  |  | — |  |  | 14 |  |  | — |  |  | 16 |  |  | 16 |  |  | 30 |
Interest rate reduction and term extension |  | 8 |  |  | N/A |  | — |  |  | 8 |  |  | 410 |  |  | — |  |  | 410 |  |  | 26 |  |  | 6 |  |  | 32 |  |  | 450 |
Other(2) |  | — |  |  | N/A |  | — |  |  | — |  |  | 2 |  |  | 1 |  |  | 3 |  |  | 142 |  |  | 115 |  |  | 257 |  |  | 260 |
Total loans modified |  | $ | 369 |  |  | N/A |  | $ | 86 |  |  | $ | 455 |  |  | $ | 436 |  |  | $ | 3 |  |  | $ | 439 |  |  | $ | 541 |  |  | $ | 464 |  |  | $ | 1,005 |  |  | $ | 1,899 |
% of total class of receivables |  | 0.25 | % |  | N/A |  | 1.26 | % |  | 0.30 | % |  | 0.59 | % |  | 0.21 | % |  | 0.58 | % |  | 1.65 | % |  | 0.83 | % |  | 1.14 | % |  | 0.60 | %
__________ (1)Includes $432 million and $1.4 billion of FDMs as of June 30, 2025 that were modified prior to the Closing Date in the second quarter and first six months of 2025, respectively. (2)Primarily consists of modifications or combinations of modifications not categorized above, such as payment delays, increases in committed exposure, forbearances and other types of modifications in Commercial Banking. Table 4.8: Financial Effects of Financial Difficulty Modifications to Borrowers
|  | Three Months Ended June 30, 2025
|  | Credit Card |  | Consumer Banking |  | Commercial Banking |  |
(Dollars in millions) |  | Domestic Card |  | Personal Loans |  | International Card Businesses |  |  |  | Auto |  | Retail Banking |  |  |  | Commercial and Multifamily Real Estate |  | Commercial and Industrial |  |  |  |
Weighted-average interest rate reduction |  | 15.31% |  | 14.15% |  | 26.19% |  |  |  | 9.23% |  | 0.50% |  |  |  | —% |  | 1.93% |  |  |  |
Payment delay duration (in months) |  | 12 |  | 34 |  | 0 |  |  |  | 6 |  | 33 |  |  |  | 3 |  | 11 |  |  |  |
Principal balance reduction |  | $73 |  | — |  | — |  |  |  | — |  | — |  |  |  | — |  | — |  |  |  |
Interest and fees forgiven |  | $63 |  | — |  | — |  |  |  | — |  | — |  |  |  | — |  | — |  |  |  |
|  | Six Months Ended June 30, 2025
|  | Credit Card |  | Consumer Banking |  |  |  | Commercial Banking |  |
(Dollars in millions) |  | Domestic Card |  | Personal Loans |  | International Card Businesses |  |  |  | Auto |  | Retail Banking |  |  |  | Commercial and Multifamily Real Estate |  | Commercial and Industrial |  |  |  |
Weighted-average interest rate reduction |  | 14.89% |  | 13.95% |  | 25.75% |  |  |  | 9.13% |  | 0.50% |  |  |  | 0.85% |  | 1.69% |  |  |  |
Payment delay duration (in months) |  | 12 |  | 37 |  | 0 |  |  |  | 6 |  | 14 |  |  |  | 7 |  | 14 |  |  |  |
Principal balance reduction |  | $145 |  | — |  | — |  |  |  | — |  | — |  |  |  | — |  | — |  |  |  |
Interest and fees forgiven |  | $133 |  | — |  | — |  |  |  | — |  | — |  |  |  | — |  | — |  |  |  |
|  | Three Months Ended June 30, 2024
|  | Credit Card |  |  |  | Consumer Banking |  |  |  | Commercial Banking |  |
(Dollars in millions) |  | Domestic Card |  | Personal Loans |  | International Card Businesses |  |  |  | Auto |  | Retail Banking |  |  |  | Commercial and Multifamily Real Estate |  | Commercial and Industrial |  |  |  |
Weighted-average interest rate reduction |  | 20.13% |  | N/A |  | 27.08% |  |  |  | 8.89% |  | 3.48% |  |  |  | —% |  | 1.50% |  |  |  |
Payment delay duration (in months) |  | 12 |  | N/A |  | 0 |  |  |  | 6 |  | 36 |  |  |  | 9 |  | 15 |  |  |  |
Principal balance reduction |  | — |  | N/A |  | — |  |  |  | — |  | — |  |  |  | — |  | $1 |  |  |  |
Interest and fees forgiven |  | — |  | N/A |  | — |  |  |  | — |  | — |  |  |  | — |  | — |  |  |  |
|  | Six Months Ended June 30, 2024
|  | Credit Card |  |  |  | Consumer Banking |  |  |  | Commercial Banking |  |
(Dollars in millions) |  | Domestic Card |  | Personal Loans |  | International Card Businesses |  |  |  | Auto |  | Retail Banking |  |  |  | Commercial and Multifamily Real Estate |  | Commercial and Industrial |  |  |  |
Weighted-average interest rate reduction |  | 20.06% |  | N/A |  | 26.62% |  |  |  | 8.75% |  | 3.48% |  |  |  | 0.79% |  | 1.50% |  |  |  |
Payment delay duration (in months) |  | 12 |  | N/A |  | 0 |  |  |  | 6 |  | 11 |  |  |  | 7 |  | 14 |  |  |  |
Principal balance reduction |  | — |  | N/A |  | — |  |  |  | — |  | — |  |  |  | — |  | $15 |  |  |  |
Interest and fees forgiven |  | — |  | N/A |  | — |  |  |  | — |  | — |  |  |  | — |  | — |  |  |  |
The following tables present FDMs over a rolling 12 month period by delinquency status as of June 30, 2025 and 2024. For the 12 month period ended June 30, 2025, the table includes amounts of FDMs from the acquired Discover portfolio, including loans which were modified prior to the Closing Date. Table 4.9 Delinquency Status of Financial Difficulty Modifications to Borrowers(1)
|  | June 30, 2025
|  |  |  | Delinquent Loans |  |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card(2) |  | $ | 3,423 |  |  | $ | 200 |  |  | $ | 141 |  |  | $ | 297 |  |  | $ | 638 |  |  | $ | 4,061 |
Personal loans |  | 171 |  |  | 20 |  |  | 12 |  |  | 5 |  |  | 37 |  |  | 208 |
International card businesses |  | 77 |  |  | 12 |  |  | 10 |  |  | 36 |  |  | 58 |  |  | 135 |
Total credit card |  | 3,671 |  |  | 232 |  |  | 163 |  |  | 338 |  |  | 733 |  |  | 4,404 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 646 |  |  | 104 |  |  | 63 |  |  | 21 |  |  | 188 |  |  | 834 |
Retail banking |  | 2 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 |
Total consumer banking |  | 648 |  |  | 104 |  |  | 63 |  |  | 21 |  |  | 188 |  |  | 836 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 748 |  |  | 21 |  |  | 0 |  |  | 0 |  |  | 21 |  |  | 769 |
Commercial and industrial |  | 917 |  |  | 0 |  |  | 9 |  |  | 48 |  |  | 57 |  |  | 974 |
Total commercial banking |  | 1,665 |  |  | 21 |  |  | 9 |  |  | 48 |  |  | 78 |  |  | 1,743 |
Total |  | $ | 5,984 |  |  | $ | 357 |  |  | $ | 235 |  |  | $ | 407 |  |  | $ | 999 |  |  | $ | 6,983 |
|  | June 30, 2024
|  |  |  | Delinquent Loans |  |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 438 |  |  | $ | 61 |  |  | $ | 45 |  |  | $ | 102 |  |  | $ | 208 |  |  | $ | 646 |
Personal loans |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A
International card businesses |  | 61 |  |  | 11 |  |  | 11 |  |  | 34 |  |  | 56 |  |  | 117 |
Total credit card |  | 499 |  |  | 72 |  |  | 56 |  |  | 136 |  |  | 264 |  |  | 763 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 564 |  |  | 105 |  |  | 68 |  |  | 24 |  |  | 197 |  |  | 761 |
Retail banking |  | 8 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 1 |  |  | 9 |
Total consumer banking |  | 572 |  |  | 105 |  |  | 68 |  |  | 25 |  |  | 198 |  |  | 770 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 622 |  |  | 19 |  |  | 0 |  |  | 0 |  |  | 19 |  |  | 641 |
Commercial and industrial |  | 863 |  |  | 7 |  |  | 0 |  |  | 72 |  |  | 79 |  |  | 942 |
Total commercial banking |  | 1,485 |  |  | 26 |  |  | 0 |  |  | 72 |  |  | 98 |  |  | 1,583 |
Total |  | $ | 2,556 |  |  | $ | 203 |  |  | $ | 124 |  |  | $ | 233 |  |  | $ | 560 |  |  | $ | 3,116 |
__________ (1)Commitments to lend additional funds on FDMs totaled $197 million and $193 million as of June 30, 2025 and 2024, respectively. (2)Includes $3.1 billion of FDMs as of June 30, 2025 that were modified prior to the Closing Date in the second quarter of 2025.
Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods | The following table presents FDMs that entered subsequent default for the three and six months ended June 30, 2025 and 2024. For the three and six months ended June 30, 2025, the tables include amounts of FDMs from the acquired Discover portfolio, including loans which were modified or entered subsequent default prior to the Closing Date. Table 4.10 Subsequent Defaults of Financial Difficulty Modifications to Borrowers
|  | Three Months Ended June 30, 2025
(Dollars in millions) |  | Interest Rate Reduction |  | Term Extension |  |  |  | Interest Rate Reduction and Term Extension |  | Other Modifications |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 190 |  |  | $ | 0 |  |  |  |  | $ | 1 |  |  | $ | 0 |  |  | $ | 191 |
Personal loans |  | 0 |  |  | 1 |  |  |  |  | 3 |  |  | 6 |  |  | 10 |
International card businesses |  | 23 |  |  | 0 |  |  |  |  | 0 |  |  | 0 |  |  | 23 |
Total credit card |  | 213 |  |  | 1 |  |  |  |  | 4 |  |  | 6 |  |  | 224 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 0 |  |  | 2 |  |  |  |  | 86 |  |  | 0 |  |  | 88 |
Retail banking |  | 0 |  |  | 0 |  |  |  |  | 0 |  |  | 0 |  |  | 0 |
Total consumer banking |  | 0 |  |  | 2 |  |  |  |  | 86 |  |  | 0 |  |  | 88 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 0 |  |  |  |  | 0 |  |  | 2 |  |  | 2 |
Commercial and industrial |  | 0 |  |  | 20 |  |  |  |  | 0 |  |  | 3 |  |  | 23 |
Total commercial banking |  | 0 |  |  | 20 |  |  |  |  | 0 |  |  | 5 |  |  | 25 |
Total |  | $ | 213 |  |  | $ | 23 |  |  |  |  | $ | 90 |  |  | $ | 11 |  |  | $ | 337 |
|  | Six Months Ended June 30, 2025
(Dollars in millions) |  | Interest Rate Reduction |  | Term Extension |  |  |  | Interest Rate Reduction and Term Extension |  | Other Modifications |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 406 |  |  | $ | 0 |  |  |  |  | $ | 2 |  |  | $ | 0 |  |  | $ | 408 |
Personal loans |  | 0 |  |  | 2 |  |  |  |  | 7 |  |  | 14 |  |  | 23 |
International card businesses |  | 45 |  |  | 0 |  |  |  |  | 0 |  |  | 0 |  |  | 45 |
Total credit card |  | 451 |  |  | 2 |  |  |  |  | 9 |  |  | 14 |  |  | 476 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 0 |  |  | 3 |  |  |  |  | 171 |  |  | 0 |  |  | 174 |
Total consumer banking |  | 0 |  |  | 3 |  |  |  |  | 171 |  |  | 0 |  |  | 174 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 0 |  |  |  |  | 0 |  |  | 7 |  |  | 7 |
Commercial and industrial |  | 0 |  |  | 20 |  |  |  |  | 0 |  |  | 2 |  |  | 22 |
Total commercial banking |  | 0 |  |  | 20 |  |  |  |  | 0 |  |  | 9 |  |  | 29 |
Total |  | $ | 451 |  |  | $ | 25 |  |  |  |  | $ | 180 |  |  | $ | 23 |  |  | $ | 679 |
|  | Three Months Ended June 30, 2024
(Dollars in millions) |  | Interest Rate Reduction |  | Term Extension |  |  |  | Interest Rate Reduction and Term Extension |  | Other modifications |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 53 |  |  | $ | 0 |  |  |  |  | $ | 1 |  |  | $ | 0 |  |  | $ | 54 |
Personal loans |  | N/A |  | N/A |  |  |  | N/A |  | N/A |  | N/A
International card businesses |  | 18 |  |  | 0 |  |  |  |  | 0 |  |  | 0 |  |  | 18 |
Total credit card |  | 71 |  |  | 0 |  |  |  |  | 1 |  |  | 0 |  |  | 72 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 0 |  |  | 2 |  |  |  |  | 116 |  |  | 0 |  |  | 118 |
Retail banking |  | 0 |  |  | 1 |  |  |  |  | 0 |  |  | 0 |  |  | 1 |
Total consumer banking |  | 0 |  |  | 3 |  |  |  |  | 116 |  |  | 0 |  |  | 119 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 0 |  |  |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial and industrial |  | 0 |  |  | 58 |  |  |  |  | 0 |  |  | 255 |  |  | 313 |
Total commercial banking |  | 0 |  |  | 58 |  |  |  |  | 0 |  |  | 255 |  |  | 313 |
Total |  | $ | 71 |  |  | $ | 61 |  |  |  |  | $ | 117 |  |  | $ | 255 |  |  | $ | 504 |
|  | Six Months Ended June 30, 2024
(Dollars in millions) |  | Interest Rate Reduction |  | Term Extension |  |  |  | Interest Rate Reduction and Term Extension |  | Other modifications |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 127 |  |  | $ | 0 |  |  |  |  | $ | 2 |  |  | $ | 0 |  |  | $ | 129 |
Personal loans |  | N/A |  | N/A |  |  |  | N/A |  | N/A |  | N/A
International card businesses |  | 35 |  |  | 0 |  |  |  |  | 0 |  |  | 0 |  |  | 35 |
Total credit card |  | 162 |  |  | 0 |  |  |  |  | 2 |  |  | 0 |  |  | 164 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 0 |  |  | 5 |  |  |  |  | 219 |  |  | 0 |  |  | 224 |
Retail banking |  | 0 |  |  | 1 |  |  |  |  | 0 |  |  | 0 |  |  | 1 |
Total consumer banking |  | 0 |  |  | 6 |  |  |  |  | 219 |  |  | 0 |  |  | 225 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 0 |  |  |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial and industrial |  | 0 |  |  | 125 |  |  |  |  | 0 |  |  | 255 |  |  | 380 |
Total commercial banking |  | 0 |  |  | 125 |  |  |  |  | 0 |  |  | 255 |  |  | 380 |
Total |  | $ | 162 |  |  | $ | 131 |  |  |  |  | $ | 221 |  |  | $ | 255 |  |  | $ | 769 |

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- 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 -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
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- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 + Details
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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 -Section 50 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481408/470-60-50-2 + Details
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- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16 + Details
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- Definition Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34 Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 33 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33 + Details
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