XML 104 R83.htm IDEA: XBRL DOCUMENT v3.25.4
Allowance for Credit Losses and Reserve for Unfunded Lending Commitments - Allowance for Credit Losses and Reserve for Unfunded Lending Commitments Activity (Details) - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period $ 16,258    
Provision for credit losses 20,655 $ 11,716 $ 10,426
Initial allowance for purchased credit deteriorated loans     32
Benefit from expected recoveries of charged off loans (5,064) (3,001) (2,288)
Allowance build for credit losses 7,200    
Balance at the end of the period 23,409 16,258  
Financial receivable, non-interest expense 730 366 353
Allowance for credit losses      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 16,258 15,296 13,240
Charge-offs (18,166) (13,749) (10,702)
Recoveries 5,064 3,001 2,288
Net charge-offs (13,102) (10,748) (8,414)
Provision for credit losses (20,656) 11,730 10,485
Initial allowance for purchased credit deteriorated loans 2,870    
Benefit from expected recoveries of charged off loans (3,305)    
Allowance build for credit losses 7,119 982 2,071
Other changes 32 (20) 48
Balance at the end of the period 23,409 16,258 15,296
Allowance for credit losses | Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period   (63)  
Balance at the end of the period     (63)
Allowance for credit losses | Cumulative Effect, Period of Adoption, Adjusted Balance      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period   13,177  
Balance at the end of the period     13,177
Reserve for unfunded lending commitments      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 143 158 218
Provision for credit losses (1) (15) (60)
Balance at the end of the period 142 143 158
Combined allowance and reserve      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 16,401 15,454  
Balance at the end of the period 23,551 16,401 15,454
Credit Card: | Allowance for credit losses      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 12,974 11,709 9,545
Charge-offs (15,216) (10,757) (7,787)
Recoveries 3,645 1,770 1,315
Net charge-offs (11,571) (8,987) (6,472)
Provision for credit losses (19,066) 10,272 8,651
Initial allowance for purchased credit deteriorated loans 2,870    
Benefit from expected recoveries of charged off loans (3,305)    
Allowance build for credit losses 7,060 1,285 2,179
Other changes 32 (20) 48
Balance at the end of the period 20,066 12,974 11,709
Credit Card: | Allowance for credit losses | Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period   (63)  
Balance at the end of the period     (63)
Credit Card: | Allowance for credit losses | Cumulative Effect, Period of Adoption, Adjusted Balance      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period   9,482  
Balance at the end of the period     9,482
Credit Card: | Reserve for unfunded lending commitments      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 0 0 0
Provision for credit losses 0 0 0
Balance at the end of the period 0 0 0
Credit Card: | Combined allowance and reserve      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 12,974 11,709  
Balance at the end of the period 20,066 12,974 11,709
Consumer Banking: | Allowance for credit losses      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 1,884 2,042 2,237
Charge-offs (2,662) (2,758) (2,327)
Recoveries 1,368 1,165 963
Net charge-offs (1,294) (1,593) (1,364)
Provision for credit losses (1,302) 1,435 1,169
Initial allowance for purchased credit deteriorated loans 0    
Benefit from expected recoveries of charged off loans 0    
Allowance build for credit losses 8 (158) (195)
Other changes 0 0 0
Balance at the end of the period 1,892 1,884 2,042
Consumer Banking: | Allowance for credit losses | Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period   0  
Balance at the end of the period     0
Consumer Banking: | Allowance for credit losses | Cumulative Effect, Period of Adoption, Adjusted Balance      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period   2,237  
Balance at the end of the period     2,237
Consumer Banking: | Reserve for unfunded lending commitments      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 0 0 0
Provision for credit losses 0 0 0
Balance at the end of the period 0 0 0
Consumer Banking: | Combined allowance and reserve      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 1,884 2,042  
Balance at the end of the period 1,892 1,884 2,042
Commercial Banking: | Allowance for credit losses      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 1,400 1,545 1,458
Charge-offs (288) (234) (588)
Recoveries 51 66 10
Net charge-offs (237) (168) (578)
Provision for credit losses (288) 23 665
Initial allowance for purchased credit deteriorated loans 0    
Benefit from expected recoveries of charged off loans 0    
Allowance build for credit losses 51 (145) 87
Other changes 0 0 0
Balance at the end of the period 1,451 1,400 1,545
Commercial Banking: | Allowance for credit losses | Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period   0  
Balance at the end of the period     0
Commercial Banking: | Allowance for credit losses | Cumulative Effect, Period of Adoption, Adjusted Balance      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period   1,458  
Balance at the end of the period     1,458
Commercial Banking: | Reserve for unfunded lending commitments      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 143 158 218
Provision for credit losses (1) (15) (60)
Balance at the end of the period 142 143 158
Commercial Banking: | Combined allowance and reserve      
Allowance for Credit Losses [Roll Forward]      
Balance at beginning of the period 1,543 1,703  
Balance at the end of the period $ 1,593 $ 1,543 $ 1,703