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Regulatory Requirements (Tables) | 12 Months Ended
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Dec. 31, 2024
Insurance [Abstract] |
Schedule of bank regulatory capital | The BBA available capital, BBA capital requirement, and BBA ratio as of December 31, 2024 are as follows:
| (in millions, except percentages) |
BBA available capital | $ | 3,833 |  |
BBA capital requirement | 392 |  |
BBA ratio | 978 | % |
To meet requirements for capital adequacy purposes or to be categorized as “well-capitalized,”Ameriprise Bank must maintain minimum CEIT, Tier 1 capital, Total capital and Tier 1 leverage amounts and ratios as set forth in the following table:
Regulatory Capital |  | Actual |  | Requirement for capital adequacy purposes |  | To be well capitalized under regulatory provisions
| Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
|  | (in millions, except percentages)
At December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |
Common equity Tier 1 capital |  | $ | 1,763 |  |  | 33.88 | % |  | $ | 234 |  |  | 4.50 | % |  | $ | 338 |  |  | 6.50 | %
Tier 1 capital |  | 1,763 |  |  | 33.88 |  |  | 312 |  |  | 6.00 |  |  | 416 |  |  | 8.00 |
Total capital |  | 1,772 |  |  | 34.06 |  |  | 416 |  |  | 8.00 |  |  | 520 |  |  | 10.00 |
Tier 1 leverage |  | 1,763 |  |  | 7.35 |  |  | 959 |  |  | 4.00 |  |  | 1,199 |  |  | 5.00 |
At December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Common equity Tier 1 capital |  | $ | 1,715 |  |  | 31.72 | % |  | $ | 243 |  |  | 4.50 | % |  | $ | 351 |  |  | 6.50 | %
Tier 1 capital |  | 1,715 |  |  | 31.72 |  |  | 324 |  |  | 6.00 |  |  | 433 |  |  | 8.00 |
Total capital |  | 1,724 |  |  | 31.89 |  |  | 433 |  |  | 8.00 |  |  | 541 |  |  | 10.00 |
Tier 1 leverage |  | 1,715 |  |  | 7.44 |  |  | 922 |  |  | 4.00 |  |  | 1,153 |  |  | 5.00 |
Actual capital and regulatory required capital determined in accordance with U.K. regulatory legislation are as follows:
| December 31,
| 2024 |  | 2023
| (in millions)
Actual capital | $ | 692 |  |  | $ | 706 |
Required capital | 265 |  |  | 317 |
Summary of statutory net gain from operations and net income | Statutory net gain from operations and net income are summarized as follows:
| Years Ended December 31,
2024 |  | 2023 |  | 2022
(in millions)
RiverSource Life |  |  |  |  |
Statutory net gain from operations | $ | 1,097 |  |  | $ | 1,331 |  |  | $ | 1,615 |
Statutory net income (loss) | (91) |  |  | 845 |  |  | 1,769 |
Schedule of net capital position of broker-dealer companies | The following table presents the net capital position of both AEIS and AFS:
| December 31,
2024 |  | 2023
(in millions, except percentages)
AEIS |  |  |
Net capital as a percent of aggregate debit items | 9.49 | % |  | 11.62 | %
Net capital | $ | 141 |  |  | $ | 171 |
Less: required net capital | 30 |  |  | 29 |
Excess net capital | $ | 111 |  |  | $ | 142 |
AFS |  |  |
Net capital | $ | 113 |  |  | $ | 101 |
Less: required net capital | — |  |  | — |
Excess net capital | $ | 113 |  |  | $ | 101 |

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- Definition Tabular disclosure of net capital requirement for broker-dealer under Securities and Exchange Commission (SEC) regulation. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name Rule 15c3-1 -Number 240 -Section 15c3-1 -Publisher SEC + Details
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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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- Definition Tabular disclosure of how the entity's reporting under GAAP as of the balance sheet date differs from the results based on prescribed and permitted accounting practices of the state or country of domicile in which a relevant statutory filing is made, or differences in results based on the National Association of Insurance Commissioners (NAIC) prescribed practices, or a combination thereof. Describes the accounting practices used and the related monetary effect on statutory surplus, net income, and risk-based capital. If an insurance enterprise's risk-based capital would have triggered a regulatory event had it not used a permitted practice, that fact is disclosed in the financial statements. Permitted statutory accounting practices include practices not prescribed but allowed by the domiciliary state insurance department regulatory authority. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 944 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03(a)(23)(c)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 944 -SubTopic 505 -Section 50 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147477908/944-505-50-1 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 944 -SubTopic 505 -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147477908/944-505-50-6 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 944 -SubTopic 505 -Section 55 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147478420/944-505-55-2 Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 944 -SubTopic 505 -Section 55 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147478420/944-505-55-1 Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 944 -SubTopic 505 -Section 50 -Paragraph 3 -Publisher FASB -URI https://asc.fasb.org/1943274/2147477908/944-505-50-3 + Details
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