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Accumulated Other Comprehensive Loss (Tables)

9 Months Ended

Sep. 30, 2025

Equity [Abstract]

Schedule of Accumulated Other Comprehensive Loss

The following tables present changes, net of tax, in each component of accumulated other comprehensive loss.

			Three months ended September 30,
			Investment securities
($ in millions)			Available- for-sale securities (a)						Held-to-maturity securities						Translation adjustments and net investment hedges (b)						Cash flow hedges (b)												Accumulated other comprehensive loss
Balance at July 1, 2024			$	(3,353)					$	(650)					$	20					$	(26)											$	(4,009)
Net change			588						18						1						9												616
Balance at September 30, 2024			$	(2,765)					$	(632)					$	21					$	(17)											$	(3,393)
Balance at July 1, 2025			$	(2,647)					$	(584)					$	22					$	(10)											$	(3,219)
Net change			253						17						—						5												275
Balance at September 30, 2025			$	(2,394)					$	(567)					$	22					$	(5)											$	(2,944)

(a)Represents the after-tax difference between the fair value and amortized cost of our available-for-sale securities portfolio. Refer to Note 7 for additional information.

(b)For additional information on derivative instruments and hedging activities, refer to Note 19.

			Nine months ended September 30,
			Investment securities
($ in millions)			Available- for-sale securities (a)						Held-to-maturity securities						Translation adjustments and net investment hedges (b)						Cash flow hedges (b)												Accumulated other comprehensive loss
Balance at January 1, 2024			$	(3,146)					$	(682)					$	21					$	(9)											$	(3,816)
Net change			381						50						—						(8)												423
Balance at September 30, 2024			$	(2,765)					$	(632)					$	21					$	(17)											$	(3,393)
Balance at January 1, 2025			$	(3,307)					$	(616)					$	20					$	(21)											$	(3,924)
Net change			913						49						2						16												980
Balance at September 30, 2025			$	(2,394)					$	(567)					$	22					$	(5)											$	(2,944)

(a)Represents the after-tax difference between the fair value and amortized cost of our available-for-sale securities portfolio. Refer to Note 7 for additional information.

(b)For additional information on derivative instruments and hedging activities, refer to Note 19.

Schedule of Reclassification Out of Accumulated Other Comprehensive Loss

The following tables present the before- and after-tax changes in each component of accumulated other comprehensive loss.

Three months ended September 30, 2025 ($ in millions)			Before tax						Tax effect						After tax
Investment securities
Available-for-sale securities
Net unrealized gains arising during the period			$	334					$	(80)					$	254
Less: Net realized gains reclassified to income from continuing operations			1			(a)			—			(b)			1
Net change			333						(80)						253
Held-to-maturity securities
Less: Amortization of amounts previously recorded upon transfer from available-for-sale			(22)			(c)			5			(b)			(17)
Translation adjustments
Net unrealized losses arising during the period			(5)						1						(4)
Net investment hedges (d)
Net unrealized gains arising during the period			5						(1)						4
Cash flow hedges (d)
Net unrealized losses arising during the period			(1)						—						(1)
Less: Net realized losses reclassified to income from continuing operations			(8)			(e)			2			(b)			(6)
Net change			7						(2)						5
Other comprehensive income			$	362					$	(87)					$	275

(a)Includes gains reclassified to other gain (loss) on investments, net in our Condensed Consolidated Statement of Comprehensive Income.

(b)Includes amounts reclassified to income tax expense from continuing operations in our Condensed Consolidated Statement of Comprehensive Income.

(c)Includes amounts reclassified to interest and dividends on investment securities and other earning assets in our Condensed Consolidated Statement of Comprehensive Income.

(d)For additional information on derivative instruments and hedging activities, refer to Note 19.

(e)Includes losses reclassified to interest and fees on finance receivables and loans in our Condensed Consolidated Statement of Comprehensive Income.

Three months ended September 30, 2024 ($ in millions)			Before tax						Tax effect						After tax
Investment securities
Available-for-sale securities
Net unrealized gains arising during the period			$	772					$	(183)					$	589
Less: Net realized gains reclassified to income from continuing operations			1			(a)			—			(b)			1
Net change			771						(183)						588
Held-to-maturity securities
Less: Amortization of amounts previously recorded upon transfer from available-for-sale (c)			(23)			(d)			5			(b)			(18)
Translation adjustments
Net unrealized gains arising during the period			2						—						2
Net investment hedges (e)
Net unrealized losses arising during the period			(1)						—						(1)
Cash flow hedges (e)
Net unrealized gains arising during the period			8						(2)						6
Less: Net realized losses reclassified to income from continuing operations			(4)			(f)			1			(b)			(3)
Net change			12						(3)						9
Other comprehensive income			$	807					$	(191)					$	616

(a)Includes gains reclassified to other gain (loss) on investments, net in our Condensed Consolidated Statement of Comprehensive Income.

(b)Includes amounts reclassified to income tax expense from continuing operations in our Condensed Consolidated Statement of Comprehensive Income.

(c)For additional information on the securities transferred from available-for-sale to held-to-maturity, refer to Note 7.

(d)Includes amounts reclassified to interest and dividends on investment securities and other earning assets in our Condensed Consolidated Statement of Comprehensive Income.

(e)For additional information on derivative instruments and hedging activities, refer to Note 19.

(f)Includes losses reclassified to interest and fees on finance receivables and loans in our Condensed Consolidated Statement of Comprehensive Income.

Nine months ended September 30, 2025 ($ in millions)			Before tax						Tax effect						After tax
Investment securities
Available-for-sale securities
Net unrealized gains arising during the period			$	706					$	(168)					$	538
Less: Net realized losses reclassified to income from continuing operations			(492)			(a)			117			(b)			(375)
Net change			1,198						(285)						913
Held-to-maturity securities
Less: Amortization of amounts previously recorded upon transfer from available-for-sale			(64)			(c)			15			(b)			(49)
Translation adjustments
Net unrealized gains arising during the period			7						(2)						5
Net investment hedges (d)
Net unrealized losses arising during the period			(4)						1						(3)
Cash flow hedges (d)
Net unrealized losses arising during the period			(2)						—						(2)
Less: Net realized losses reclassified to income from continuing operations			(23)			(e)			5			(b)			(18)
Net change			21						(5)						16
Other comprehensive income			$	1,286					$	(306)					$	980

(a)Includes losses reclassified to other gain (loss) on investments, net in our Condensed Consolidated Statement of Comprehensive Income related to the balance sheet repositioning of our available-for-sale securities portfolio. Refer to Note 7 for additional information.

(b)Includes amounts reclassified to income tax expense from continuing operations in our Condensed Consolidated Statement of Comprehensive Income.

(c)Includes amounts reclassified to interest and dividends on investment securities and other earning assets in our Condensed Consolidated Statement of Comprehensive Income.

(d)For additional information on derivative instruments and hedging activities, refer to Note 19.

(e)Includes losses reclassified to interest and fees on finance receivables and loans in our Condensed Consolidated Statement of Comprehensive Income.

Nine months ended September 30, 2024 ($ in millions)			Before tax						Tax effect						After tax
Investment securities
Available-for-sale securities
Net unrealized gains arising during the period			$	502					$	(119)					$	383
Less: Net realized gains reclassified to income from continuing operations			2			(a)			—			(b)			2
Net change			500						(119)						381
Held-to-maturity securities
Less: Amortization of amounts previously recorded upon transfer from available-for-sale (c)			(65)			(d)			15			(b)			(50)
Translation adjustments
Net unrealized losses arising during the period			(5)						1						(4)
Net investment hedges (e)
Net unrealized gains arising during the period			5						(1)						4
Cash flow hedges (e)
Net unrealized losses arising during the period			(17)						4						(13)
Less: Net realized losses reclassified to income from continuing operations			(7)			(f)			2			(b)			(5)
Net change			(10)						2						(8)
Other comprehensive income			$	555					$	(132)					$	423

(a)Includes gains reclassified to other gain (loss) on investments, net in our Condensed Consolidated Statement of Comprehensive Income.

(b)Includes amounts reclassified to income tax expense from continuing operations in our Condensed Consolidated Statement of Comprehensive Income.

(c)For additional information on the securities transferred from available-for-sale to held-to-maturity, refer to Note 7.

(d)Includes amounts reclassified to interest and dividends on investment securities and other earning assets in our Condensed Consolidated Statement of Comprehensive Income.

(e)For additional information on derivative instruments and hedging activities, refer to Note 19.

(f)Includes losses reclassified to interest and fees on finance receivables and loans in our Condensed Consolidated Statement of Comprehensive Income.

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Tabular disclosure of information about items reclassified out of accumulated other comprehensive income (loss).

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- Definition

Tabular disclosure of the components of accumulated other comprehensive income (loss).

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 14A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482790/220-10-45-14A

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 830
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481674/830-30-50-1

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 830
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 20
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481694/830-30-45-20

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