XML 128 R104.htm IDEA: XBRL DOCUMENT v3.25.3
ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses Roll Forward (Details) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Allowance for credit losses          
Allowance for credit losses on loans (ACLL) at beginning of period $ 19,123 $ 18,216 $ 18,574 $ 18,145  
Gross credit losses on loans (2,726) (2,609) (8,375) (8,014)  
Gross recoveries on loans 512 437 1,468 1,256  
Net credit losses (NCLs) on loans (2,214) (2,172) (6,907) (6,758)  
Net reserve builds (releases) for loans (10) 254 466 636  
Net specific reserve builds (releases) for loans 55 (44) (76) (231)  
Total provision for credit losses on loans (PCLL) 2,259 2,382 7,297 7,163  
Initial allowance for credit losses on newly purchased credit-deteriorated assets during the period 0 23 0 23  
Other, net (see table below) 38 (93) 242 (217)  
ACLL at end of period 19,206 18,356 19,206 18,356  
Allowance for credit losses on unfunded commitments          
Allowance for credit losses on unfunded commitments (ACLUC) at beginning of period 1,721 1,619 1,601 1,728  
Provision (release) for credit losses on unfunded lending commitments 100 105 189 (1)  
Other, net (1) 1 30 (2)  
ACLUC at end of period 1,820 1,725 1,820 1,725  
Total ACLL and ACLUC 21,026 20,081 21,026 20,081  
Allowance for credit losses on other assets          
Allowance for credit losses on other assets at beginning of quarter 2,699 1,911 1,865 1,788  
NCLs on other assets (7) (6) (25) (21)  
Provision for credit losses on other assets 79 110 499 226  
Other, net (150) (146) 282 (124)  
Allowance for credit losses on other assets at end of quarter 2,621 1,869 2,621 1,869  
Allowance for credit losses on HTM debt securities          
Allowance for credit losses on HTM debt securities at beginning of period 136 99 137 95  
Provision (release) for credit losses on HTM debt securities (5) 50 (3) 55  
Other, net 0 (8) (3) (9)  
Allowance for credit losses on HTM debt securities at end of period 131 141 131 141  
Total ACL 23,778 22,091 23,778 22,091 $ 22,177
Sales or transfers of various consumer loan portfolios to HFS          
Reclasses of consumer ACLL to HFS 0 0 (29) 0  
FX translation and other 38 (93) 271 (217)  
Other, net (ACLL) 38 (93) 242 (217)  
Corporate loans          
Allowance for credit losses          
Allowance for credit losses on loans (ACLL) at beginning of period 3,023 2,484 2,556 2,714  
Gross credit losses on loans (114) (113) (376) (420)  
Gross recoveries on loans 22 39 53 74  
Net credit losses (NCLs) on loans (92) (74) (323) (346)  
Net reserve builds (releases) for loans (76) 143 468 115  
Net specific reserve builds (releases) for loans 54 (40) (77) (229)  
Initial allowance for credit losses on newly purchased credit-deteriorated assets during the period 0 0 0 0  
Other, net (see table below) 0 4 54 (9)  
ACLL at end of period 3,001 2,591 3,001 2,591  
Sales or transfers of various consumer loan portfolios to HFS          
Other, net (ACLL) 0 4 54 (9)  
Consumer loans          
Allowance for credit losses          
Allowance for credit losses on loans (ACLL) at beginning of period 16,100 15,732 16,018 15,431  
Gross credit losses on loans (2,612) (2,496) (7,999) (7,594)  
Gross recoveries on loans 490 398 1,415 1,182  
Net credit losses (NCLs) on loans (2,122) (2,098) (6,584) (6,412)  
Net reserve builds (releases) for loans 66 111 (2) 521  
Net specific reserve builds (releases) for loans 1 (4) 1 (2)  
Initial allowance for credit losses on newly purchased credit-deteriorated assets during the period 0 23 0 23  
Other, net (see table below) 38 (97) 188 (208)  
ACLL at end of period 16,205 15,765 16,205 15,765  
Sales or transfers of various consumer loan portfolios to HFS          
Other, net (ACLL) $ 38 $ (97) $ 188 $ (208)