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Loans (Tables)

6 Months Ended

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 nonperforming of $3 million and $20 million for 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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