XML 174 R120.htm IDEA: XBRL DOCUMENT v3.19.3
Allowance for Credit Losses (Details) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended
Sep. 30, 2019
Sep. 30, 2018
Sep. 30, 2019
Sep. 30, 2018
Sep. 30, 2019
Dec. 31, 2018
Sep. 30, 2018
Allowance for loan losses              
Gross charge-offs/Write-offs of PCI loans     $ 132 $ 151      
Provision for loan losses/lending-related commitments $ 1,514 $ 948 4,158 3,323      
Loans by impairment methodology              
Asset-specific         $ 9,300   $ 9,381
Formula-based         898,297   913,058
PCI         21,290   25,212
Total retained loans         928,887 $ 969,415 947,651
Lending-related commitments by impairment methodology              
Asset-specific         446   252
Formula-based         1,094,644   1,048,422
Total lending-related commitments         1,095,090 1,039,258 1,048,674
Impaired collateral-dependent loans              
Allowance for loan losses              
Net charge-offs     51 15      
Impaired collateral-dependent loans              
Loans measured at fair value of collateral less cost to sell         2,196   2,335
Allowance for loan losses              
Allowance for loan losses              
Beginning balance     13,445 13,604      
Gross charge-offs/Write-offs of PCI loans     5,022 4,817      
Gross recoveries     (887) (1,197)      
Net charge-offs     4,135 3,620      
Provision for loan losses/lending-related commitments     4,048 3,294      
Other     9 1      
Ending balance 13,235 13,128 13,235 13,128      
Allowance for loan losses/lending-related commitments by impairment methodology              
Asset-specific         975   905
Formula-based         11,004   10,399
PCI         1,256   1,824
Total allowance for loan losses/lending-related commitments 13,235 13,128 13,445 13,604 13,235 13,445 13,128
Allowance for lending-related commitments              
Allowance for loan losses              
Beginning balance     1,055 1,068      
Provision for loan losses/lending-related commitments     110 29      
Other     0 0      
Ending balance 1,165 1,097 1,165 1,097      
Allowance for loan losses/lending-related commitments by impairment methodology              
Allowance for lending-related commitments by impairment methodology, Asset-specific         135   71
Allowance for lending-related commitments by impairment methodology, Formula-based         1,030   1,026
Total allowance for loan losses/lending-related commitments 1,165 1,097 1,055 1,068 1,165 1,055 1,097
Consumer, excluding credit card              
Allowance for loan losses              
Gross charge-offs/Write-offs of PCI loans     132 151      
Loans by impairment methodology              
Asset-specific         6,341   7,046
Formula-based         304,178   343,703
PCI         21,290   25,209
Total retained loans         331,809 373,637 375,958
Lending-related commitments by impairment methodology              
Asset-specific         0   0
Formula-based         53,591   50,630
Total lending-related commitments         53,591   50,630
Consumer, excluding credit card | Impaired collateral-dependent loans              
Allowance for loan losses              
Net charge-offs     28 15      
Impaired collateral-dependent loans              
Loans measured at fair value of collateral less cost to sell         2,083   2,077
Consumer, excluding credit card | Allowance for loan losses              
Allowance for loan losses              
Beginning balance     4,146 4,579      
Gross charge-offs/Write-offs of PCI loans     702 776      
Gross recoveries     (420) (681)      
Net charge-offs     282 95      
Provision for loan losses/lending-related commitments     (265) (152)      
Other     0 1      
Ending balance 3,467 4,182 3,467 4,182      
Allowance for loan losses/lending-related commitments by impairment methodology              
Asset-specific         145   204
Formula-based         2,066   2,154
PCI         1,256   1,824
Total allowance for loan losses/lending-related commitments 3,467 4,182 4,146 4,579 3,467 4,146 4,182
Consumer, excluding credit card | Allowance for lending-related commitments              
Allowance for loan losses              
Beginning balance     33 33      
Provision for loan losses/lending-related commitments     0 0      
Other     0 0      
Ending balance 33 33 33 33      
Allowance for loan losses/lending-related commitments by impairment methodology              
Allowance for lending-related commitments by impairment methodology, Asset-specific         0   0
Allowance for lending-related commitments by impairment methodology, Formula-based         33   33
Total allowance for loan losses/lending-related commitments 33 33 33 33 33 33 33
Credit card              
Allowance for loan losses              
Gross charge-offs/Write-offs of PCI loans     0 0      
Loans by impairment methodology              
Asset-specific         1,423   1,284
Formula-based         158,148   146,572
PCI         0   0
Total retained loans         159,571   147,856
Lending-related commitments by impairment methodology              
Asset-specific         0   0
Formula-based         645,880   600,728
Total lending-related commitments         645,880   600,728
Credit card | Impaired collateral-dependent loans              
Allowance for loan losses              
Net charge-offs     0 0      
Impaired collateral-dependent loans              
Loans measured at fair value of collateral less cost to sell         0   0
Credit card | Allowance for loan losses              
Allowance for loan losses              
Beginning balance     5,184 4,884      
Gross charge-offs/Write-offs of PCI loans     4,050 3,777      
Gross recoveries     (433) (370)      
Net charge-offs     3,617 3,407      
Provision for loan losses/lending-related commitments     4,017 3,557      
Other     (1) 0      
Ending balance 5,583 5,034 5,583 5,034      
Allowance for loan losses/lending-related commitments by impairment methodology              
Asset-specific         488   421
Formula-based         5,095   4,613
PCI         0   0
Total allowance for loan losses/lending-related commitments 5,583 5,034 5,184 4,884 5,583 5,184 5,034
Credit card | Allowance for lending-related commitments              
Allowance for loan losses              
Beginning balance     0 0      
Provision for loan losses/lending-related commitments     0 0      
Other     0 0      
Ending balance 0 0 0 0      
Allowance for loan losses/lending-related commitments by impairment methodology              
Allowance for lending-related commitments by impairment methodology, Asset-specific         0   0
Allowance for lending-related commitments by impairment methodology, Formula-based         0   0
Total allowance for loan losses/lending-related commitments 0 0 0 0 0 0 0
Wholesale              
Allowance for loan losses              
Gross charge-offs/Write-offs of PCI loans     0 0      
Loans by impairment methodology              
Asset-specific         1,536   1,051
Formula-based         435,971   422,783
PCI         0   3
Total retained loans         437,507 439,162 423,837
Lending-related commitments by impairment methodology              
Asset-specific         446   252
Formula-based         395,173   397,064
Total lending-related commitments         395,619   397,316
Wholesale | Impaired collateral-dependent loans              
Allowance for loan losses              
Net charge-offs     23 0      
Impaired collateral-dependent loans              
Loans measured at fair value of collateral less cost to sell         113   258
Wholesale | Allowance for loan losses              
Allowance for loan losses              
Beginning balance     4,115 4,141      
Gross charge-offs/Write-offs of PCI loans     270 264      
Gross recoveries     (34) (146)      
Net charge-offs     236 118      
Provision for loan losses/lending-related commitments     296 (111)      
Other     10 0      
Ending balance 4,185 3,912 4,185 3,912      
Allowance for loan losses/lending-related commitments by impairment methodology              
Asset-specific         342   280
Formula-based         3,843   3,632
PCI         0   0
Total allowance for loan losses/lending-related commitments 4,185 3,912 4,115 4,141 4,185 4,115 3,912
Wholesale | Allowance for lending-related commitments              
Allowance for loan losses              
Beginning balance     1,022 1,035      
Provision for loan losses/lending-related commitments     110 29      
Other     0 0      
Ending balance 1,132 1,064 1,132 1,064      
Allowance for loan losses/lending-related commitments by impairment methodology              
Allowance for lending-related commitments by impairment methodology, Asset-specific         135   71
Allowance for lending-related commitments by impairment methodology, Formula-based         997   993
Total allowance for loan losses/lending-related commitments $ 1,132 $ 1,064 $ 1,022 $ 1,035 $ 1,132 $ 1,022 $ 1,064