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Financing Receivables (Tables)

9 Months Ended

Sep. 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			(7)						4						(3)
Charge-offs			(1)						(3)						(4)
Recoveries			—						1						1
Balance at September 30, 2025			$	37					$	11					$	48
Balance at January 1, 2024			$	54					$	9					$	63
Provisions			(4)						3						(1)
Charge-offs			(3)						(3)						(6)
Balance at September 30, 2024			$	47					$	9					$	56

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:

						September 30, 2025
Loan-to-Value Ratio						2025						2024						2023						2022						2021						Prior						Total
						(in millions)
> 100%						$	—					$	—					$	—					$	—					$	—					$	15					$	15
80% - 100%						—						—						—						—						—						56						56
60% - 80%						56						83						18						12						—						81						250
40% - 60%						102						87						42						27						70						349						677
< 40%						37						15						11						65						102						765						995
Total						$	195					$	185					$	71					$	104					$	172					$	1,266					$	1,993

						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
			September 30, 2025						December 31, 2024						September 30, 2025						December 31, 2024
			(in millions)
East North Central			$	187					$	185					9		%				10		%
East South Central			45						45						2						2
Middle Atlantic			120						133						6						7
Mountain			169						157						8						8
New England			35						30						2						2
Pacific			667						633						34						33
South Atlantic			538						489						27						26
West North Central			114						119						6						6
West South Central			118						111						6						6
Total			$	1,993					$	1,902					100		%				100		%

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

			Loans												Percentage
			September 30, 2025						December 31, 2024						September 30, 2025						December 31, 2024
			(in millions)
Apartments			$	579					$	522					29		%				27		%
Hotel			40						33						2						2
Industrial			396						362						20						19
Mixed use			76						68						4						4
Office			195						219						10						11
Retail			530						546						26						29
Other			177						152						9						8
Total			$	1,993					$	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:

						September 30, 2025
Internal Risk Rating						2025						2024						2023						2022						2021						Prior						Total
						(in millions)
Risk 5						$	—					$	—					$	—					$	—					$	—					$	—					$	—
Risk 4						—						—						—						—						—						1						1
Risk 3						8						1						1						—						—						—						10
Risk 2						12						17						5						—						4						4						42
Risk 1						14						15						5						—						—						—						34
Total						$	34					$	33					$	11					$	—					$	4					$	5					$	87

						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:

						September 30, 2025
Termination Status						2025						2024						2023						2022						2021						Prior						Total
						(in millions)
Active						$	443					$	327					$	297					$	225					$	91					$	160					$	1,543
Terminated						—						—						—						1						2						8						11
Total						$	443					$	327					$	297					$	226					$	93					$	168					$	1,554

						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			September 30, 2025
			2025						2024						2023						2022						2021						Prior						Total
			(in millions)
> 810			$	15					$	8					$	6					$	2					$	2					$	1					$	34
780 - 809			103						83						53						26						7						5						277
740 - 779			74						62						72						22						7						4						241
720 - 739			17						17						14						5						4						—						57
700 - 719			11						8						8						5						3						1						36
< 699			7						7						6						3						3						—						26
Total			$	227					$	185					$	159					$	63					$	26					$	11					$	671

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
			September 30, 2025						December 31, 2024						September 30, 2025						December 31, 2024
			(in millions)
Minnesota			$	394					$	284					59		%				61		%
Other U.S. States			277						182						41						39
Total			$	671					$	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			September 30, 2025						December 31, 2024
			(in millions)
> 800			$	34					$	38
750 - 799			30						32
700 - 749			27						29
650 - 699			15						16
< 650			9						8
Total			$	115					$	123

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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

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+ 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

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