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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Interest income:        
Loans, including loans held for sale $ 15,229 $ 10,547 $ 37,835 $ 30,460
Investment securities 823 733 2,377 2,120
Other 711 580 1,797 1,737
Total interest income 16,763 11,860 42,009 34,317
Interest expense:        
Deposits 3,597 2,945 9,432 8,631
Securitized debt obligations 165 234 505 753
Senior and subordinated notes 582 596 1,622 1,793
Other borrowings 15 9 38 30
Total interest expense 4,359 3,784 11,597 11,207
Net interest income 12,404 8,076 30,412 23,110
Provision for credit losses 2,714 2,482 16,513 9,074
Net interest income after provision for credit losses 9,690 5,594 13,899 14,036
Non-interest income:        
Discount and interchange fees, net 1,812 1,228 4,513 3,622
Service charges and other customer-related fees 849 501 2,016 1,422
Net securities loss 0 (35) 0 (35)
Other 294 244 910 803
Total non-interest income 2,955 1,938 7,439 5,812
Non-interest expense:        
Salaries and associate benefits 3,496 2,391 9,041 7,069
Occupancy and equipment 856 587 2,208 1,692
Marketing 1,403 1,113 3,950 3,187
Professional services 641 402 1,731 980
Communications and data processing 476 358 1,288 1,064
Amortization of intangibles 514 20 801 58
Other 877 443 2,137 1,347
Total non-interest expense 8,263 5,314 21,156 15,397
Income from continuing operations before income taxes 4,382 2,218 182 4,451
Income tax provision (benefit) 1,189 441 (152) 797
Income (loss) from continuing operations, net of tax 3,193 1,777 334 3,654
Loss from discontinued operations, net of tax (1) 0 (15) 0
Net income 3,192 1,777 319 3,654
Dividends and undistributed earnings allocated to participating securities (33) (28) (13) (60)
Preferred stock dividends (73) (57) (195) (171)
Discount on redeemed preferred stock 0 0 6 0
Net income available to common stockholders $ 3,086 $ 1,692 $ 117 $ 3,423
Basic earnings per common share:        
Net income (loss) from continuing operations (in dollars per share) $ 4.83 $ 4.42 $ 0.26 $ 8.94
Net loss from discontinued operations (in dollars per share)   0.00 (0.03) 0.00
Net income (loss) per basic common share (in dollars per share) 4.83 4.42 0.23 8.94
Diluted earnings per common share:        
Net income (loss) from continuing operations (in dollars per share) 4.83 4.41 0.26 8.92
Net loss from discontinued operations (in dollars per share) 0.00 0.00 (0.03) 0.00
Net income (loss) per diluted common share (in dollars per share) $ 4.83 $ 4.41 $ 0.23 $ 8.92