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Commitments, Contingencies, Guarantees and Others (Tables)

9 Months Ended

Sep. 30, 2025

Commitments and Contingencies Disclosure [Abstract]

Schedule of Letter of Credit and Other Loan Commitments

The following table presents the contractual amount and carrying value of our unfunded lending commitments as of September 30, 2025 and December 31, 2024. The carrying value represents our reserve and deferred revenue on legally binding commitments.

Table 14.1: Unfunded Lending Commitments


	Contractual Amount				Carrying Value
(Dollars in millions)	September 30, 2025		December 31, 2024		September 30, 2025		December 31, 2024
Credit card lines	$	675,646	$	411,603	N/A		N/A
Other loan commitments(1)	46,774		45,145		$	71	$	73
Standby letters of credit and commercial letters of credit(2)	1,380		1,306		29		30
Total unfunded lending commitments	$	723,800	$	458,054	$	100	$	103

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(1)Includes $6.2 billion and $6.0 billion of advised lines of credit as of September 30, 2025 and December 31, 2024.

(2)These financial guarantees have expiration dates that range from 2026 to 2028 as of September 30, 2025.