XML 67 R56.htm IDEA: XBRL DOCUMENT v3.25.3
Loans - Financing Receivable, Modified - Modification to Borrowers (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 2,264 $ 1,300 $ 5,461 $ 2,725
% of total class of receivables 0.51% 0.41% 1.23% 0.85%
Financial receivable, modified, commitment to lend, overtime     $ 1,300  
Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 1,215 $ 242 3,254 $ 594
Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 295 731 841 1,229
Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified 11 9 22 34
Principal balance reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 11   11  
Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 454 264 893 588
Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified 278 54 440 280
Credit Card:        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 1,287 $ 238 $ 3,434 $ 593
% of total class of receivables 0.47% 0.15% 1.27% 0.38%
Credit Card: | Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 1,215 $ 233 $ 3,251 $ 585
Credit Card: | Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 10 0 31 0
Credit Card: | Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0 0 0 0
Credit Card: | Principal balance reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0   0  
Credit Card: | Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 26 5 62 8
Credit Card: | Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified 36 0 90 0
Credit Card: | Domestic credit card        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 1,164 $ 178 $ 3,148 $ 480
% of total class of receivables 0.46% 0.12% 1.24% 0.32%
Credit Card: | Domestic credit card | Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 1,158 $ 173 $ 3,138 $ 472
Weighted-average interest rate reduction 15.45% 20.49% 15.09% 20.19%
Credit Card: | Domestic credit card | Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 0 $ 0 $ 0
Payment delay duration (in months) 12 months 12 months 12 months 12 months
Credit Card: | Domestic credit card | Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 0 $ 0 $ 0
Principal balance reduction 85 0 230 0
Interest and fees forgiven 68   201  
Credit Card: | Domestic credit card | Principal balance reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0   0  
Credit Card: | Domestic credit card | Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 6 5 10 8
Credit Card: | Domestic credit card | Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0 0 0 0
Credit Card: | Personal loans        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 66   $ 173  
% of total class of receivables 0.69%   1.80%  
Credit Card: | Personal loans | Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0   $ 0  
Weighted-average interest rate reduction 14.13%   13.99%  
Credit Card: | Personal loans | Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 10   $ 31  
Payment delay duration (in months) 28 months   34 months  
Credit Card: | Personal loans | Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0   $ 0  
Principal balance reduction 0   0  
Interest and fees forgiven 0   0  
Credit Card: | Personal loans | Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 20   52  
Credit Card: | Personal loans | Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified 36   90  
Credit Card: | International card businesses        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 57 $ 60 $ 113 $ 113
% of total class of receivables 0.77% 0.83% 1.52% 1.56%
Credit Card: | International card businesses | Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 57 $ 60 $ 113 $ 113
Weighted-average interest rate reduction 26.21% 27.01% 25.90% 26.76%
Credit Card: | International card businesses | Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 0 $ 0 $ 0
Credit Card: | International card businesses | Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0 0 0 0
Principal balance reduction 0 0 0 0
Interest and fees forgiven 0   0  
Credit Card: | International card businesses | Principal balance reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0   0  
Credit Card: | International card businesses | Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0 0 0 0
Credit Card: | International card businesses | Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0 0 0 0
Consumer Banking:        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 471 $ 282 $ 872 $ 617
% of total class of receivables 0.57% 0.37% 1.05% 0.80%
Consumer Banking: | Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 0 $ 0 $ 0
Consumer Banking: | Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 44 13 79 21
Consumer Banking: | Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified 11 9 22 19
Consumer Banking: | Principal balance reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0   0  
Consumer Banking: | Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 412 258 766 573
Consumer Banking: | Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified 4 2 5 4
Consumer Banking: | Auto        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 467 $ 279 $ 867 $ 612
% of total class of receivables 0.57% 0.37% 1.06% 0.81%
Consumer Banking: | Auto | Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 0 $ 0 $ 0
Weighted-average interest rate reduction 8.48% 8.83% 8.85% 8.78%
Consumer Banking: | Auto | Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 41 $ 10 $ 75 $ 17
Payment delay duration (in months) 6 months 6 months 6 months 6 months
Consumer Banking: | Auto | Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 11 $ 9 $ 22 $ 19
Principal balance reduction 0 0 0 0
Interest and fees forgiven 0   0  
Consumer Banking: | Auto | Principal balance reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0   0  
Consumer Banking: | Auto | Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 412 258 766 573
Consumer Banking: | Auto | Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified 3 2 4 3
Consumer Banking: | Retail banking        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 4 $ 3 $ 5 $ 5
% of total class of receivables 0.35% 0.22% 0.40% 0.42%
Consumer Banking: | Retail banking | Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 0 $ 0 $ 0
Weighted-average interest rate reduction 0.00% 0.00% 0.50% 3.48%
Consumer Banking: | Retail banking | Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 3 $ 3 $ 4 $ 4
Payment delay duration (in months) 56 months 25 months 33 months 4 months
Consumer Banking: | Retail banking | Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 0 $ 0 $ 0
Principal balance reduction 0 0 0 0
Interest and fees forgiven 0   0  
Consumer Banking: | Retail banking | Principal balance reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0   0  
Consumer Banking: | Retail banking | Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0 0 0 0
Consumer Banking: | Retail banking | Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified 1 0 1 1
Commercial Banking:        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 506 $ 780 $ 1,155 $ 1,515
% of total class of receivables 0.57% 0.90% 1.30% 1.74%
Commercial Banking: | Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 9 $ 3 $ 9
Commercial Banking: | Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 241 718 731 1,208
Commercial Banking: | Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0 0 0 15
Commercial Banking: | Principal balance reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 11   11  
Commercial Banking: | Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 16 1 65 7
Commercial Banking: | Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified 238 52 345 276
Commercial Banking: | Commercial and multifamily real estate        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 83 $ 307 $ 383 $ 672
% of total class of receivables 0.25% 0.96% 1.15% 2.09%
Commercial Banking: | Commercial and multifamily real estate | Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 0 $ 3 $ 0
Weighted-average interest rate reduction 0.00% 0.00% 0.85% 0.79%
Commercial Banking: | Commercial and multifamily real estate | Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 61 $ 286 $ 328 $ 513
Payment delay duration (in months) 5 months 18 months 7 months 11 months
Commercial Banking: | Commercial and multifamily real estate | Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 0 $ 0 $ 0
Principal balance reduction 0 0 0 0
Interest and fees forgiven 0   0  
Commercial Banking: | Commercial and multifamily real estate | Principal balance reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0   0  
Commercial Banking: | Commercial and multifamily real estate | Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 0 0 0 0
Commercial Banking: | Commercial and multifamily real estate | Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified 22 21 52 159
Commercial Banking: | Commercial and industrial        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 423 $ 473 $ 772 $ 843
% of total class of receivables 0.76% 0.87% 1.39% 1.54%
Commercial Banking: | Commercial and industrial | Interest rate reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 9 $ 0 $ 9
Weighted-average interest rate reduction 5.75% 2.14% 2.34% 1.90%
Commercial Banking: | Commercial and industrial | Term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 180 $ 432 $ 403 $ 695
Payment delay duration (in months) 8 months 18 months 13 months 16 months
Commercial Banking: | Commercial and industrial | Principal balance reduction        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 0 $ 0 $ 0 $ 15
Principal balance reduction 19 0 19 15
Interest and fees forgiven 0   0  
Commercial Banking: | Commercial and industrial | Principal balance reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 11   11  
Commercial Banking: | Commercial and industrial | Interest rate reduction and term extension        
Financing Receivable, Past Due [Line Items]        
Total loans modified 16 1 65 7
Commercial Banking: | Commercial and industrial | Other        
Financing Receivable, Past Due [Line Items]        
Total loans modified $ 216 $ 31 $ 293 $ 117