v3.25.2
Loans - Consumer, Excluding Credit Card Loan Portfolio, Auto and Other (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 | Auto and other      
Loans by origination year      
Term loans originated in 2025/2024 14,721   26,356
Term loans originated in 2024/2023 21,399   16,237
Term loans originated in 2023/2022 12,714   9,460
Term loans originated in 2022/2021 7,101   7,198
Term loans originated in 2021/2020 4,903   2,954
Term loans originated prior to 2021/2020 1,923   647
Revolving loans within the revolving period 3,789   3,757
Revolving loans converted to term loans 244   212
Total retained loans $ 66,794   $ 66,821
% 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 0.57%   0.72%
% of 30 plus days past due to total retained loans, Term loans originated in 2024/2023 0.79%   1.75%
% of 30 plus days past due to total retained loans, Term loans originated in 2023/2022 1.88%   2.74%
% of 30 plus days past due to total retained loans, Term loans originated in 2022/2021 2.89%   2.50%
% of 30 plus days past due to total retained loans, Term loans originated in 2021/2020 2.57%   1.76%
% of 30 plus days past due to total retained loans, Term loans originated prior to 2021/2020 2.13%   3.55%
% of 30 plus days past due to total retained loans, Revolving loans within the revolving period 0.98%   1.14%
% of 30 plus days past due to total retained loans, Revolving loans converted to term loans 29.10%   30.19%
% of 30 plus days past due to total retained loans 1.46%   1.64%
Gross charge-offs by origination year      
Gross charge-offs originated in 2025/2024 $ 76   $ 269
Gross charge-offs originated in 2024/2023 130   348
Gross charge-offs originated in 2023/2022 131   224
Gross charge-offs originated in 2022/2021 86   126
Gross charge-offs originated in 2021/2020 40   37
Gross charge-offs originated prior to 2021/2020 48   82
Gross charge-offs originated within the revolving period 0   1
Gross charge-offs originated converted to term loans 3   6
Total gross charge-offs 514   1,093
Current | Consumer, excluding credit card | Auto and other      
Loans by origination year      
Term loans originated in 2025/2024 14,637   26,165
Term loans originated in 2024/2023 21,230   15,953
Term loans originated in 2023/2022 12,475   9,201
Term loans originated in 2022/2021 6,896   7,014
Term loans originated in 2021/2020 4,776   2,895
Term loans originated prior to 2021/2020 1,880   624
Revolving loans within the revolving period 3,752   3,714
Revolving loans converted to term loans 173   148
Total retained loans 65,819   65,714
30–119 days past due | Consumer, excluding credit card | Auto and other      
Loans by origination year      
Term loans originated in 2025/2024 84   190
Term loans originated in 2024/2023 168   283
Term loans originated in 2023/2022 237   259
Term loans originated in 2022/2021 205   179
Term loans originated in 2021/2020 126   53
Term loans originated prior to 2021/2020 40   23
Revolving loans within the revolving period 33   40
Revolving loans converted to term loans 39   34
Total retained loans 932   1,061
120 or more days past due | Consumer, excluding credit card | Auto and other      
Loans by origination year      
Term loans originated in 2025/2024 0   1
Term loans originated in 2024/2023 1   1
Term loans originated in 2023/2022 2   0
Term loans originated in 2022/2021 0   5
Term loans originated in 2021/2020 1   6
Term loans originated prior to 2021/2020 3   0
Revolving loans within the revolving period 4   3
Revolving loans converted to term loans 32   30
Total retained loans $ 43   $ 46