XML 167 R138.htm IDEA: XBRL DOCUMENT v3.22.4
ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses Roll Forward by Segment (Details) - USD ($)
$ in Millions
12 Months Ended
Jan. 01, 2020
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Jan. 01, 2023
Sep. 30, 2020
Jun. 30, 2020
Allowance for credit losses              
Allowance for credit losses on loans (ACLL) at beginning of year $ 16,541 $ 16,455 $ 24,956 $ 16,541      
Gross credit losses on loans   (5,156) (6,720) (9,263)      
Gross recoveries on loans   1,367 1,825 1,652      
Replenishment of NCLs   3,789 4,895 7,611      
Net reserve builds (releases) for loans   937 (7,283) 7,635      
Net specific reserve builds (releases) for loans   19 (715) 676      
Initial allowance for credit losses on newly purchased credit-deteriorated assets during the period   0 0 4      
Other   (437) (503) 100      
ACLL at end of year   16,974 16,455 24,956      
Allowance for credit losses on loans              
Collectively evaluated   16,053 15,430        
Individually evaluated   919 1,025        
Total allowance for credit losses on loans   16,974 16,455 24,956      
Loans, net of unearned income              
Collectively evaluated   647,704 656,265        
Individually evaluated   4,043 5,301        
Loans held at fair value   5,360 6,082        
Total   657,221 667,767        
Variable post-charge-off third-party collection costs              
Allowance for credit losses              
Allowance for credit losses on loans (ACLL) at beginning of year (443)     (443)      
ACLL at end of year (443)            
Allowance for credit losses on loans              
Total allowance for credit losses on loans (443)         $ (122) $ (426)
Purchased credit deteriorated              
Allowance for credit losses on loans              
Purchased credit deteriorated   2 0        
Loans, net of unearned income              
Purchased credit deteriorated   114 119        
Corporate              
Allowance for credit losses              
Allowance for credit losses on loans (ACLL) at beginning of year 1,911 2,415 4,776 1,911      
Gross credit losses on loans   (278) (500) (976)      
Gross recoveries on loans   100 114 76      
Replenishment of NCLs   178 386 900      
Net reserve builds (releases) for loans   374 (2,075) 2,551      
Net specific reserve builds (releases) for loans   65 (255) 249      
Initial allowance for credit losses on newly purchased credit-deteriorated assets during the period   0 0 0      
Other   1 (31) 65      
ACLL at end of year   2,855 2,415 4,776      
Allowance for credit losses on loans              
Collectively evaluated   2,532 2,203        
Individually evaluated   323 212        
Total allowance for credit losses on loans   2,855 2,415 4,776      
Loans, net of unearned income              
Collectively evaluated   282,909 283,610        
Individually evaluated   1,122 1,553        
Loans held at fair value   5,123 6,070        
Total   289,154 291,233        
Corporate | Variable post-charge-off third-party collection costs              
Allowance for credit losses              
Allowance for credit losses on loans (ACLL) at beginning of year 0     0      
Allowance for credit losses on loans              
Total allowance for credit losses on loans              
Corporate | Purchased credit deteriorated              
Allowance for credit losses on loans              
Purchased credit deteriorated   0 0        
Loans, net of unearned income              
Purchased credit deteriorated   0 0        
Consumer              
Allowance for credit losses              
Allowance for credit losses on loans (ACLL) at beginning of year 14,630 14,040 20,180 14,630      
Gross credit losses on loans   (4,878) (6,220) (8,287)      
Gross recoveries on loans   1,267 1,711 1,576      
Replenishment of NCLs   3,611 4,509 6,711      
Net reserve builds (releases) for loans   563 (5,208) 5,084      
Net specific reserve builds (releases) for loans   (46) (460) 427      
Initial allowance for credit losses on newly purchased credit-deteriorated assets during the period   0 0 4      
Other   (438) (472) 35      
ACLL at end of year   14,119 14,040 20,180      
Allowance for credit losses on loans              
Collectively evaluated   13,521 13,227        
Individually evaluated   596 813        
Total allowance for credit losses on loans   14,119 14,040 20,180      
Loans, net of unearned income              
Collectively evaluated   364,795 372,655        
Individually evaluated   2,921 3,748        
Loans held at fair value   237 12        
Total   368,067 376,534        
Consumer | Variable post-charge-off third-party collection costs              
Allowance for credit losses              
Allowance for credit losses on loans (ACLL) at beginning of year (443)     (443)      
Allowance for credit losses on loans              
Total allowance for credit losses on loans              
Consumer | Purchased credit deteriorated              
Allowance for credit losses on loans              
Purchased credit deteriorated   2 0        
Loans, net of unearned income              
Purchased credit deteriorated   $ 114 119        
Cumulative effect of adoption              
Allowance for credit losses              
Allowance for credit losses on loans (ACLL) at beginning of year 4,201     4,201      
Net reserve builds (releases) for loans 4,900            
ACLL at end of year 4,100            
Allowance for credit losses on loans              
Total allowance for credit losses on loans 4,100       $ (350)    
Cumulative effect of adoption | Corporate              
Allowance for credit losses              
Allowance for credit losses on loans (ACLL) at beginning of year (816)     (816)      
Allowance for credit losses on loans              
Total allowance for credit losses on loans              
Cumulative effect of adoption | Consumer              
Allowance for credit losses              
Allowance for credit losses on loans (ACLL) at beginning of year $ 5,017     5,017      
Allowance for credit losses on loans              
Total allowance for credit losses on loans              
Adjusted balance              
Allowance for credit losses              
Allowance for credit losses on loans (ACLL) at beginning of year     $ 24,956        
ACLL at end of year       24,956      
Allowance for credit losses on loans              
Total allowance for credit losses on loans       $ 24,956