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Loans (Tables)
 12 Months Ended
Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Components of Loans
Loans consisted of the following:
At December 31,20252024
 (in millions)
Commercial loans:
Real estate, including construction$4,662 $6,612 
Business and corporate banking
25,082 25,426 
Other commercial:
Affiliates(1)
6,035 5,449 
Other3,565 3,564 
Total other commercial9,600 9,013 
Total commercial39,344 41,051 
Consumer loans:
Residential mortgages19,789 21,035 
Other consumer761 667 
Total consumer20,550 21,702 
Total loans$59,894 $62,753 
(1)See Note 20, "Related Party Transactions," for additional information regarding loans to HSBC affiliates.
Summary of Past Due Status of Loans
 Past DueTotal Past Due 30 Days or More  
30 - 89 Days90+ Days
Current(1)
Total Loans
 (in millions)
At December 31, 2025
Commercial loans:
Real estate, including construction$— $106 $106 $4,556 $4,662 
Business and corporate banking
239 15 254 24,828 25,082 
Other commercial41 — 41 9,559 9,600 
Total commercial280 121 401 38,943 39,344 
Consumer loans:
Residential mortgages178 100 278 19,511 19,789 
Other consumer6 8 14 747 761 
Total consumer184 108 292 20,258 20,550 
Total loans$464 $229 $693 $59,201 $59,894 
At December 31, 2024
Commercial loans:
Real estate, including construction$4 $19 $23 $6,589 $6,612 
Business and corporate banking
63 182 245 25,181 25,426 
Other commercial31 — 31 8,982 9,013 
Total commercial98 201 299 40,752 41,051 
Consumer loans:
Residential mortgages
174 105 279 20,756 21,035 
Other consumer6 7 13 654 667 
Total consumer180 112 292 21,410 21,702 
Total loans$278 $313 $591 $62,162 $62,753 
(1)Loans less than 30 days past due are presented as current.
Contractual Maturities Of Loans Outstanding Contractual maturities of loans outstanding at December 31, 2025 were as follows:
  
20262027 - 20302031 - 2040ThereafterTotal
 (in billions)
Commercial loans:
Real estate, including construction$2.3 $2.3 $.1 $— $4.7 
Business and corporate banking12.6 12.1 .4 — 25.1 
Other commercial4.8 4.6 .2 — 9.6 
Consumer loans:
Residential mortgages.3 .2 .5 18.7 19.7 
Other consumer.2 .6 — — .8 
Total$20.2 $19.8 $1.2 $18.7 $59.9 
Contractual Maturities Of Loans Outstanding By Repricing Characteristic
The following table summarizes loans outstanding at December 31, 2025 due after one year by repricing characteristic:
December 31, 2025
Receivables at Predetermined Interest RatesReceivables at Floating or Adjustable RatesTotal Loans Due After One Year
 (in billions)
Commercial loans:
Real estate, including construction$.1 $2.3 $2.4 
Business and corporate banking.5 12.0 12.5 
Other commercial.2 4.6 4.8 
Consumer loans:
Residential mortgages5.1 14.3 19.4 
Other consumer— .6 .6 
Total$5.9 $33.8 $39.7 
Summary of Nonaccrual Loans and Accruing Receivables 90 Days or More Delinquent Nonperforming loans, including nonaccrual loans and accruing loans contractually 90 days or more past due, consisted of the following:
Nonaccrual LoansAccruing Loans Contractually Past Due 90 Days or MoreNonaccrual Loans With No Allowance For Credit Losses
 (in millions)
At December 31, 2025
Commercial loans:
Real estate, including construction$257 $— $2 
Business and corporate banking273 — 46 
Other commercial3 — 2 
Total commercial533 — 50 
Consumer loans:
Residential mortgages(1)
206 — 67 
Other consumer9 4 6 
Total consumer215 4 73 
Total nonperforming loans$748 $4 $123 
At December 31, 2024
Commercial loans:
Real estate, including construction$261 $— $21 
Business and corporate banking280 147 33 
Total commercial541 147 54 
Consumer loans:
Residential mortgages(1)
173 — 80 
Other consumer6 4 5 
Total consumer179 4 85 
Total nonperforming loans$720 $151 $139 
(1)At December 31, 2025 and 2024, includes $99 million and $106 million, respectively, of residential mortgage loans that are carried at the lower of amortized cost or fair value of the collateral less cost to sell.
Summary of Modified Loans
The following table presents information about loan payment modifications made to commercial borrowers experiencing financial difficulty by type of modification, including the period-end carrying value and as a percentage of total loans:
Interest Rate ReductionPrincipal ForgivenessTerm Extension / Significant Payment Deferral
Combination(1)
Total% of Total Loans
(dollars are in millions)
Year Ended December 31, 2025
Commercial loans:
Real estate, including construction$18 $— $77 $— $95 2.0 %
Business and corporate banking77 — 161 20 258 1.0 
Total commercial$95 $— $238 $20 $353 .9 
Interest Rate ReductionPrincipal ForgivenessTerm Extension / Significant Payment Deferral
Combination(1)
Total% of Total Loans
(dollars are in millions)
Year Ended December 31, 2024
Commercial loans:
Real estate, including construction$— $32 $43 $157 $232 3.5 %
Business and corporate banking— — 198 8 206 .8 
Total commercial$— $32 $241 $165 $438 1.1 
Year Ended December 31, 2023
Commercial loans:
Real estate, including construction$— $— $168 $— $168 2.4 %
Business and corporate banking21 — 240 187 448 1.7 
Total commercial$21 $— $408 $187 $616 1.5 
(1)Represents loans with more than one type of payment modification during the period.
The following table summarizes the financial effect of loan payment modifications made to commercial borrowers experiencing financial difficulty by type of modification:
Weighted-Average Interest Rate ReductionPrincipal Forgiven
(in millions)		Weighted-Average Term Extension / Payment Deferral
(in years)
Year Ended December 31, 2025
Commercial loans:
Real estate, including construction1.1 %$— 0.3
Business and corporate banking.5 — 1.3
Year Ended December 31, 2024
Commercial loans:
Real estate, including construction5.6 %$— 3.1
Business and corporate banking.3 — 1.6
Year Ended December 31, 2023
Commercial loans:
Real estate, including construction— %$— 0.3
Business and corporate banking.5 2 1.5
Summary of Past Due Status of Loans with Payment Modification
The following table presents the past due status of loans to commercial borrowers experiencing financial difficulty with a payment modification during the previous 12 months:
 Past Due  
30 - 89 Days90+ Days
Current(1)
Total
 (in millions)
At December 31, 2025
Commercial loans:
Real estate, including construction$— $18 $77 $95 
Business and corporate banking— 9 249 258 
Total commercial$— $27 $326 $353 
At December 31, 2024
Commercial loans:
Real estate, including construction$— $— $232 $232 
Business and corporate banking— 29 177 206 
Total commercial$— $29 $409 $438 
(1)Loans less than 30 days past due are presented as current.
Commercial loans  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Summary of Credit Quality Indicator
The following table summarizes the criticized status of our commercial loans, including a disaggregation of the loans by year of origination:
20252024202320222021PriorRevolving
Loans		Revolving Loans Converted to Term LoansTotal at Dec. 31, 2025
 (in millions)
Real estate, including construction:
Pass rated$994 $1,128 $751 $693 $109 $381 $— $— $4,056 
Criticized— 3 — 120 — 483 — — 606 
Total real estate, including construction994 1,131 751 813 109 864 — — 4,662 
Business and corporate banking:
Pass rated3,642 2,386 990 1,059 723 4,784 8,316 1,040 22,940 
Criticized326 607 183 162 75 307 471 11 2,142 
Total business and corporate banking3,968 2,993 1,173 1,221 798 5,091 8,787 1,051 25,082 
Other commercial:
Pass rated484 319 87 319 338 1,192 6,861 — 9,600 
Total other commercial484 319 87 319 338 1,192 6,861 — 9,600 
Total commercial$5,446 $4,443 $2,011 $2,353 $1,245 $7,147 $15,648 $1,051 $39,344 
20242023202220212020PriorRevolving
Loans		Revolving Loans Converted to Term LoansTotal at Dec. 31, 2024
 (in millions)
Real estate, including construction:
Pass rated$1,035 $946 $941 $850 $262 $1,700 $8 $3 $5,745 
Criticized— — 168 32 — 639 28 — 867 
Total real estate, including construction1,035 946 1,109 882 262 2,339 36 3 6,612 
Business and corporate banking:
Pass rated1,988 2,437 1,552 1,916 273 7,163 7,581 272 23,182 
Criticized336 348 170 70 3 566 728 23 2,244 
Total business and corporate banking2,324 2,785 1,722 1,986 276 7,729 8,309 295 25,426 
Other commercial:
Pass rated493 90 281 136 504 1,565 5,944 — 9,013 
Total other commercial493 90 281 136 504 1,565 5,944 — 9,013 
Total commercial$3,852 $3,821 $3,112 $3,004 $1,042 $11,633 $14,289 $298 $41,051 
Summary of Gross Charge-Offs The following table summarizes gross charge-off dollars in our commercial loan portfolio, disaggregated by year of origination:
20252024202320222021PriorRevolving
Loans		Revolving Loans Converted to Term LoansTotal
 (in millions)
Year Ended December 31, 2025
Real estate, including construction$— $— $— $— $4 $60 $— $— $64 
Business and corporate banking3 23 30 — 19 17 12 — 104 
Total commercial$3 $23 $30 $— $23 $77 $12 $— $168 
20242023202220212020PriorRevolving
Loans		Revolving Loans Converted to Term LoansTotal
(in millions)
Year Ended December 31, 2024
Real estate, including construction$— $— $— $— $— $17 $— $— $17 
Business and corporate banking4 — — 32 — 24 1 — 61 
Total commercial$4 $— $— $32 $— $41 $1 $— $78 
20232022202120202019PriorRevolving
Loans		Revolving Loans Converted to Term LoansTotal
(in millions)
Year Ended December 31, 2023
Business and corporate banking$— $— $17 $— $— $11 $20 $— $48 
Total commercial$— $— $17 $— $— $11 $20 $— $48 
Consumer loans  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Summary of Credit Quality Indicator
The following table summarizes dollars of two-months-and-over contractual delinquency for our residential mortgage loan portfolio, including a disaggregation of the loans by year of origination:
20252024202320222021PriorRevolving
Loans		Total at Dec. 31, 2025
 (in millions)
Residential mortgages:
Current - 59 days past due$3,203 $2,575 $1,378 $2,100 $3,673 $6,723 $— $19,652 
60 days or more past due(1)(2)
— 3 9 10 — 115 — 137 
Total residential mortgages$3,203 $2,578 $1,387 $2,110 $3,673 $6,838 $— $19,789 
20242023202220212020PriorRevolving
Loans		Total at Dec. 31, 2024
 (in millions)
Residential mortgages:
Current - 59 days past due$4,236 $2,314 $2,614 $3,930 $2,599 $5,208 $— $20,901 
60 days or more past due(1)(2)
1 5 11 2 12 103 — 134 
Total residential mortgages$4,237 $2,319 $2,625 $3,932 $2,611 $5,311 $— $21,035 
(1)At December 31, 2025 and 2024, includes $57 million and $67 million, respectively, of residential mortgage loans that are carried at the lower of amortized cost or fair value of the collateral less cost to sell.
(2)At December 31, 2025 and 2024, includes $30 million and $32 million, respectively, of residential mortgage loans that were in the process of foreclosure.