v3.25.2
Loans - Consumer, Excluding Credit Card Loan Portfolio, Residential Real Estate (Details) - USD ($)
$ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Loans by origination year      
Total retained loans $ 1,345,473 $ 1,273,047 $ 1,299,590
Gross charge-offs by origination year      
Total gross charge-offs 5,760 5,107  
Consumer, excluding credit card      
Loans by origination year      
Total retained loans 371,855 382,795 376,334
Gross charge-offs by origination year      
Total gross charge-offs 540 $ 661  
Consumer, excluding credit card | Residential real estate      
Loans by origination year      
Term loans originated in 2025/2024 8,503   12,314
Term loans originated in 2024/2023 11,619   17,345
Term loans originated in 2023/2022 16,026   61,547
Term loans originated in 2022/2021 59,568   79,938
Term loans originated in 2021/2020 77,417   52,397
Term loans originated prior to 2021/2020 118,151   71,518
Revolving loans within the revolving period 6,783   7,035
Revolving loans converted to term loans 6,994   7,419
Total retained loans $ 305,061   $ 309,513
% of 30+ days past due to total retained loans by origination year      
% of 30 plus days past due to total retained loans, Term loans originated in 2025/2024 0.00%   0.11%
% of 30 plus days past due to total retained loans, Term loans originated in 2024/2023 0.31%   0.37%
% of 30 plus days past due to total retained loans, Term loans originated in 2023/2022 0.71%   0.34%
% of 30 plus days past due to total retained loans, Term loans originated in 2022/2021 0.69%   0.22%
% of 30 plus days past due to total retained loans, Term loans originated in 2021/2020 0.51%   0.21%
% of 30 plus days past due to total retained loans, Term loans originated prior to 2021/2020 1.23%   1.72%
% of 30 plus days past due to total retained loans, Revolving loans within the revolving period 0.81%   0.87%
% of 30 plus days past due to total retained loans, Revolving loans converted to term loans 4.38%   4.46%
% of 30 plus days past due to total retained loans 0.91%   0.71%
Gross charge-offs by origination year      
Gross charge-offs originated in 2025/2024 $ 0   $ 0
Gross charge-offs originated in 2024/2023 0   0
Gross charge-offs originated in 2023/2022 1   1
Gross charge-offs originated in 2022/2021 3   1
Gross charge-offs originated in 2021/2020 4   0
Gross charge-offs originated prior to 2021/2020 2   176
Gross charge-offs originated within the revolving period 14   21
Gross charge-offs originated converted to term loans 2   7
Total gross charge-offs $ 26   206
Consumer, excluding credit card | Residential real estate | Senior lien      
Gross charge-offs by origination year      
Percentage of total revolving loans that are senior lien loans 38.00%    
Consumer, excluding credit card | Residential real estate | Current      
Loans by origination year      
Term loans originated in 2025/2024 $ 8,503   12,301
Term loans originated in 2024/2023 11,583   17,280
Term loans originated in 2023/2022 15,912   61,337
Term loans originated in 2022/2021 59,155   79,760
Term loans originated in 2021/2020 77,025   52,289
Term loans originated prior to 2021/2020 116,681   70,270
Revolving loans within the revolving period 6,728   6,974
Revolving loans converted to term loans 6,688   7,088
Total retained loans 302,275   307,299
Consumer, excluding credit card | Residential real estate | 30–149 days past due      
Loans by origination year      
Term loans originated in 2025/2024 0   13
Term loans originated in 2024/2023 33   54
Term loans originated in 2023/2022 95   139
Term loans originated in 2022/2021 290   110
Term loans originated in 2021/2020 304   59
Term loans originated prior to 2021/2020 958   747
Revolving loans within the revolving period 34   53
Revolving loans converted to term loans 175   204
Total retained loans 1,889   1,379
Consumer, excluding credit card | Residential real estate | 150 or more days past due      
Loans by origination year      
Term loans originated in 2025/2024 0   0
Term loans originated in 2024/2023 3   11
Term loans originated in 2023/2022 19   71
Term loans originated in 2022/2021 123   68
Term loans originated in 2021/2020 88   49
Term loans originated prior to 2021/2020 512   501
Revolving loans within the revolving period 21   8
Revolving loans converted to term loans 131   127
Total retained loans $ 897   $ 835