Regulatory Capital Requirements and Other Restrictions (Tables)

9 Months Ended

Sep. 30, 2024

Regulatory Capital Requirements and Other Restrictions [Abstract]

Regulatory Capital Information

Table 22.1 presents regulatory capital information for the Company and the Bank in accordance with Basel III capital

requirements. We must calculate our risk-based capital ratios under both the Standardized and Advanced Approaches. The Standardized Approach applies assigned risk weights to broad risk categories, while the calculation of risk-weighted assets (RWAs) under the Advanced Approach differs by requiring applicable banks to utilize a risk-sensitive methodology, which relies upon the use of internal credit models, and includes an operational risk component.

Table 22.1: Regulatory Capital Information

	Wells Fargo & Company								Wells Fargo Bank, N.A.
	Standardized Approach						Advanced Approach		Standardized Approach			Advanced Approach
(in millions, except ratios)	Sep 30, 2024				Dec 31, 2023		Sep 30, 2024	Dec 31, 2023	Sep 30, 2024		Dec 31, 2023	Sep 30, 2024	Dec 31, 2023
Regulatory capital:
Common Equity Tier 1	$	138,312			140,783		138,312	140,783	149,051		142,108	149,051	142,108
Tier 1	156,597				159,823		156,597	159,823	149,051		142,108	149,051	142,108
Total	188,464				193,061		178,191	182,726	172,326		165,634	162,344	155,560
Assets:
Risk-weighted assets	1,219,917				1,231,668		1,089,274	1,114,281	1,123,336		1,137,605	931,629	956,545
Adjusted average assets (1)	1,889,683				1,880,981		1,889,683	1,880,981	1,675,658		1,682,199	1,675,658	1,682,199
Regulatory capital ratios:
Common Equity Tier 1 capital	11.34		%	*	11.43		12.70	12.63	13.27	*	12.49	16.00	14.86
Tier 1 capital	12.84			*	12.98		14.38	14.34	13.27	*	12.49	16.00	14.86
Total capital	15.45			*	15.67		16.36	16.40	15.34	*	14.56	17.43	16.26
Required minimum capital ratios:
Common Equity Tier 1 capital	8.90				8.90		8.50	8.50	7.00		7.00	7.00	7.00
Tier 1 capital	10.40				10.40		10.00	10.00	8.50		8.50	8.50	8.50
Total capital	12.40				12.40		12.00	12.00	10.50		10.50	10.50	10.50
	Wells Fargo & Company								Wells Fargo Bank, N.A.
	September 30, 2024						December 31, 2023		September 30, 2024			December 31, 2023
Regulatory leverage:
Total leverage exposure (1)	$	2,262,863					2,253,933		2,036,197			2,048,633
Supplementary leverage ratio (1)	6.92					%	7.09		7.32			6.94
Tier 1 leverage ratio (2)	8.29						8.50		8.90			8.45
Required minimum leverage:
Supplementary leverage ratio	5.00						5.00		6.00			6.00
Tier 1 leverage ratio	4.00						4.00		4.00			4.00

*Denotes the binding ratio under the Standardized and Advanced Approaches at September 30, 2024.

(1)The supplementary leverage ratio consists of Tier 1 capital divided by total leverage exposure. Total leverage exposure consists of adjusted average assets plus certain off-balance sheet exposures. Adjusted average assets consists of total quarterly average assets less goodwill and other permitted Tier 1 capital deductions (net of deferred tax liabilities).

(2)The Tier 1 leverage ratio consists of Tier 1 capital divided by total quarterly average assets, excluding goodwill and certain other items as determined under the rule.

Nature of Restrictions on Cash and Cash Equivalents

Table 22.2 provides a summary of restrictions on cash and cash equivalents.

Table 22.2: Nature of Restrictions on Cash and Cash Equivalents

(in millions)	Sep 30, 2024		Dec 31, 2023
Reserve balance for non-U.S. central banks	$	193	230
Segregated for benefit of brokerage customers under federal and other brokerage regulations	985		986