XML 44 R34.htm IDEA: XBRL DOCUMENT v3.25.2

Financing Receivables (Tables)

6 Months Ended

Jun. 30, 2025

Financing Receivables

Rollforward of allowance for credit losses

The following tables present a rollforward of the allowance for credit losses:

			Commercial Loans						Consumer Loans						Total
			(in millions)
Balance at January 1, 2025			$	45					$	9					$	54
Provisions			(8)						3						(5)
Charge-offs			—						(2)						(2)
Balance at June 30, 2025			$	37					$	10					$	47
Balance at January 1, 2024			$	54					$	9					$	63
Provisions			(5)						2						(3)
Charge-offs			(2)						(1)						(3)
Balance at June 30, 2024			$	47					$	10					$	57

Commercial Loans

Financing Receivables

Schedule of amortized cost basis of loans and credit quality information

The tables below present the amortized cost basis of commercial mortgage loans by year of origination and loan-to-value ratio:

						June 30, 2025
Loan-to-Value Ratio						2025						2024						2023						2022						2021						Prior						Total
						(in millions)
> 100%						$	—					$	—					$	—					$	—					$	—					$	16					$	16
80% - 100%						—						—						—						—						—						59						59
60% - 80%						29						83						19						12						—						92						235
40% - 60%						60						88						42						27						74						345						636
< 40%						32						15						11						66						101						799						1,024
Total						$	121					$	186					$	72					$	105					$	175					$	1,311					$	1,970

						December 31, 2024
Loan-to-Value Ratio						2024						2023						2022						2021						2020						Prior						Total
						(in millions)
> 100%						$	—					$	—					$	—					$	—					$	—					$	15					$	15
80% - 100%						—						—						—						—						10						48						58
60% - 80%						86						44						18						9						5						130						292
40% - 60%						87						22						39						69						41						348						606
< 40%						15						10						48						102						50						706						931
Total						$	188					$	76					$	105					$	180					$	106					$	1,247					$	1,902

Commercial Loans | Commercial mortgage loans

Financing Receivables

Schedule of amortized cost basis of loans and credit quality information

Concentrations of credit risk of commercial mortgage loans by U.S. region were as follows:

			Loans												Percentage
			June 30, 2025						December 31, 2024						June 30, 2025						December 31, 2024
			(in millions)
East North Central			$	187					$	185					10		%				10		%
East South Central			47						45						2						2
Middle Atlantic			131						133						7						7
Mountain			170						157						9						8
New England			29						30						1						2
Pacific			655						633						33						33
South Atlantic			515						489						26						26
West North Central			118						119						6						6
West South Central			118						111						6						6
Total			$	1,970					$	1,902					100		%				100		%

Concentrations of credit risk of commercial mortgage loans by property type were as follows:

			Loans												Percentage
			June 30, 2025						December 31, 2024						June 30, 2025						December 31, 2024
			(in millions)
Apartments			$	566					$	522					29		%				27		%
Hotel			41						33						2						2
Industrial			375						362						19						19
Mixed use			69						68						4						4
Office			213						219						11						11
Retail			537						546						27						29
Other			169						152						8						8
Total			$	1,970					$	1,902					100		%				100		%

Commercial Loans | Syndicated loans

Financing Receivables

Schedule of amortized cost basis of loans and credit quality information

The tables below present the amortized cost basis of syndicated loans by origination year and internal risk rating:

						June 30, 2025
Internal Risk Rating						2025						2024						2023						2022						2021						Prior						Total
						(in millions)
Risk 5						$	—					$	—					$	—					$	—					$	—					$	—					$	—
Risk 4						—						—						—						—						—						2						2
Risk 3						6						3						1						—						—						—						10
Risk 2						8						24						5						—						4						8						49
Risk 1						5						21						5						—						—						—						31
Total						$	19					$	48					$	11					$	—					$	4					$	10					$	92

						December 31, 2024
Internal Risk Rating						2024						2023						2022						2021						2020						Prior						Total
						(in millions)
Risk 5						$	—					$	—					$	—					$	—					$	—					$	—					$	—
Risk 4						—						—						—						—						—						2						2
Risk 3						1						1						—						8						1						1						12
Risk 2						29						5						—						3						—						8						45
Risk 1						22						6						—						3						2						—						33
Total						$	52					$	12					$	—					$	14					$	3					$	11					$	92

Commercial Loans | Loans to financial advisors

Financing Receivables

Schedule of amortized cost basis of loans and credit quality information

The tables below present the amortized cost basis of advisor loans by origination year and termination status:

						June 30, 2025
Termination Status						2025						2024						2023						2022						2021						Prior						Total
						(in millions)
Active						$	315					$	336					$	322					$	239					$	106					$	183					$	1,501
Terminated						—						—						—						1						2						8						11
Total						$	315					$	336					$	322					$	240					$	108					$	191					$	1,512

						December 31, 2024
Termination Status						2024						2023						2022						2021						2020						Prior						Total
						(in millions)
Active						$	358					$	351					$	261					$	121					$	82					$	150					$	1,323
Terminated						—						—						2						2						2						6						12
Total						$	358					$	351					$	263					$	123					$	84					$	156					$	1,335

Consumer Loans | Residential mortgage loans

Financing Receivables

Schedule of amortized cost basis of loans and credit quality information

The tables below present the amortized cost basis of residential mortgage loans by year of origination and FICO score:

FICO Score			June 30, 2025
			2025						2024						2023						2022						2021						Prior						Total
			(in millions)
> 810			$	7					$	9					$	7					$	2					$	2					$	1					$	28
780 - 809			44						84						54						27						7						5						221
740 - 779			28						62						73						24						7						4						198
720 - 739			7						18						14						5						4						—						48
700 - 719			7						9						8						5						3						1						33
< 699			3						7						7						3						3						—						23
Total			$	96					$	189					$	163					$	66					$	26					$	11					$	551

FICO Score			December 31, 2024
			2024						2023						2022						2021						2020												Total
			(in millions)
> 810			$	5					$	9					$	2					$	2					$	1											$	19
780 - 809			84						56						28						7						6												181
740 - 779			64						77						25						7						5												178
720 - 739			17						15						5						5						—												42
700 - 719			9						8						5						3						1												26
< 699			7						7						3						3						—												20
Total			$	186					$	172					$	68					$	27					$	13											$	466

The table below presents the concentrations of credit risk of residential mortgage loans by U.S. region:

			Loans												Percentage
			June 30, 2025						December 31, 2024						June 30, 2025						December 31, 2024
			(in millions)
Minnesota			$	328					$	284					60		%				61		%
Other U.S. States			223						182						40						39
Total			$	551					$	466					100		%				100		%

Consumer Loans | Credit card receivables

Financing Receivables

Schedule of amortized cost basis of loans and credit quality information

The table below presents the amortized cost basis of credit card receivables by FICO score:

FICO Score			June 30, 2025						December 31, 2024
			(in millions)
> 800			$	35					$	38
750 - 799			30						32
700 - 749			27						29
650 - 699			16						16
< 650			8						8
Total			$	116					$	123

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

No definition available.

+ Details

Name:	us-gaap_LoansAndLeasesReceivableDisclosureLineItems
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Details

Name:	us-gaap_FinancingReceivablePortfolioSegmentAxis=amp_CommercialRealEstateAndCommercialPortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=amp_SyndicatedLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=amp_LoansToFinancialAdvisorsMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablePortfolioSegmentAxis=amp_ConsumerAndResidentialPortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CreditCardReceivablesMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type: