v3.25.2
LOANS - Types of Consumer Loan Modifications and Their Financial Effect (Details) - Consumer loans - USD ($)
$ in Millions
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
In North America offices        
Financing Receivable, Impaired [Line Items]        
Modifications as % of loans 0.23% 0.14% 0.39% 0.27%
Total modifications balance $ 741 $ 444 $ 1,244 $ 846
In North America offices | Interest rate reduction        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 435 411 858 778
In North America offices | Term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 18 17 29 38
In North America offices | Payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 272 7 326 15
In North America offices | Combination: interest rate reduction and term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 16 9 31 15
In North America offices | Combination: term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
In North America offices | Combination: interest rate reduction, term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 0 $ 0 $ 0 $ 0
In offices outside North America        
Financing Receivable, Impaired [Line Items]        
Modifications as % of loans 0.04% 0.03% 0.07% 0.06%
Total modifications balance $ 28 $ 24 $ 52 $ 47
In offices outside North America | Interest rate reduction        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 9 5 16 11
In offices outside North America | Term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 1 0 3
In offices outside North America | Payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 11 11 22 23
In offices outside North America | Combination: interest rate reduction and term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 8 7 14 10
In offices outside North America | Combination: term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
In offices outside North America | Combination: interest rate reduction, term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Residential mortgages        
Financing Receivable, Impaired [Line Items]        
Loans forgiven 1 2 $ 1 2
Residential mortgages | In North America offices        
Financing Receivable, Impaired [Line Items]        
Trial modifications, period     3 months  
Trial modifications, amount 20 11 $ 28 17
Loans that had gone through bankruptcy $ 2 $ 1 $ 5 $ 3
Modifications as % of loans 0.25% 0.02% 0.31% 0.05%
Total modifications balance $ 294 $ 26 $ 364 $ 55
Weighted-average interest rate reduction % 0.00% 0.00% 1.00% 0.00%
Weighted average term extension 155 months 190 months 144 months 187 months
Weighted average delay in payments 6 months 9 months 6 months 9 months
Residential mortgages | In North America offices | Interest rate reduction        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 0 $ 0 $ 1 $ 0
Residential mortgages | In North America offices | Term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 18 17 29 38
Residential mortgages | In North America offices | Payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 270 7 321 14
Residential mortgages | In North America offices | Combination: interest rate reduction and term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 6 2 13 3
Residential mortgages | In North America offices | Combination: term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Residential mortgages | In North America offices | Combination: interest rate reduction, term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 0 $ 0 $ 0 $ 0
Residential mortgages | In offices outside North America        
Financing Receivable, Impaired [Line Items]        
Modifications as % of loans 0.05% 0.05% 0.10% 0.09%
Total modifications balance $ 11 $ 12 $ 24 $ 24
Weighted-average interest rate reduction % 0.00% 2.00% 2.00% 2.00%
Weighted average term extension   168 months 191 months 183 months
Weighted average delay in payments 12 months 12 months 12 months 12 months
Residential mortgages | In offices outside North America | Interest rate reduction        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 0 $ 0 $ 0 $ 0
Residential mortgages | In offices outside North America | Term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Residential mortgages | In offices outside North America | Payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 11 11 22 23
Residential mortgages | In offices outside North America | Combination: interest rate reduction and term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 1 2 1
Residential mortgages | In offices outside North America | Combination: term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Residential mortgages | In offices outside North America | Combination: interest rate reduction, term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 0 $ 0 $ 0 $ 0
Home equity loans | In North America offices        
Financing Receivable, Impaired [Line Items]        
Modifications as % of loans 0.07% 0.03% 0.13% 0.03%
Total modifications balance $ 2 $ 1 $ 4 $ 1
Weighted-average interest rate reduction % 0.00% 1.00% 0.00% 2.00%
Weighted average term extension   172 months   146 months
Weighted average delay in payments 6 months   8 months  
Home equity loans | In North America offices | Interest rate reduction        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 0 $ 0 $ 0 $ 0
Home equity loans | In North America offices | Term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Home equity loans | In North America offices | Payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 2 0 4 0
Home equity loans | In North America offices | Combination: interest rate reduction and term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 1 0 1
Home equity loans | In North America offices | Combination: term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Home equity loans | In North America offices | Combination: interest rate reduction, term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Credit cards        
Financing Receivable, Impaired [Line Items]        
Loans forgiven $ 34 $ 28 $ 62 $ 39
Credit cards | In North America offices        
Financing Receivable, Impaired [Line Items]        
Modifications as % of loans 0.26% 0.25% 0.51% 0.48%
Total modifications balance $ 435 $ 411 $ 857 $ 777
Weighted-average interest rate reduction % 25.00% 24.00% 25.00% 24.00%
Weighted average delay in payments     4 months  
Credit cards | In North America offices | Interest rate reduction        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 435 $ 411 $ 856 $ 777
Credit cards | In North America offices | Term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Credit cards | In North America offices | Payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 1 0
Credit cards | In North America offices | Combination: interest rate reduction and term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Credit cards | In North America offices | Combination: term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Credit cards | In North America offices | Combination: interest rate reduction, term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 0 $ 0 $ 0 $ 0
Credit cards | In offices outside North America        
Financing Receivable, Impaired [Line Items]        
Modifications as % of loans 0.06% 0.03% 0.10% 0.06%
Total modifications balance $ 8 $ 4 $ 13 $ 8
Weighted-average interest rate reduction % 23.00% 24.00% 24.00% 24.00%
Credit cards | In offices outside North America | Interest rate reduction        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 8 $ 4 $ 13 $ 8
Credit cards | In offices outside North America | Term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Credit cards | In offices outside North America | Payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Credit cards | In offices outside North America | Combination: interest rate reduction and term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Credit cards | In offices outside North America | Combination: term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Credit cards | In offices outside North America | Combination: interest rate reduction, term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Personal, small business and other        
Financing Receivable, Impaired [Line Items]        
Loans forgiven $ 2 $ 2 $ 2 $ 2
Personal, small business and other | In North America offices        
Financing Receivable, Impaired [Line Items]        
Modifications as % of loans 0.03% 0.02% 0.06% 0.04%
Total modifications balance $ 10 $ 6 $ 19 $ 13
Weighted-average interest rate reduction % 8.00% 8.00% 8.00% 8.00%
Weighted average term extension 18 months 17 months 18 months 18 months
Weighted average delay in payments       5 months
Personal, small business and other | In North America offices | Interest rate reduction        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 0 $ 0 $ 1 $ 1
Personal, small business and other | In North America offices | Term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Personal, small business and other | In North America offices | Payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 1
Personal, small business and other | In North America offices | Combination: interest rate reduction and term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 10 6 18 11
Personal, small business and other | In North America offices | Combination: term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Personal, small business and other | In North America offices | Combination: interest rate reduction, term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 0 $ 0 $ 0 $ 0
Personal, small business and other | In offices outside North America        
Financing Receivable, Impaired [Line Items]        
Modifications as % of loans 0.02% 0.02% 0.04% 0.04%
Total modifications balance $ 9 $ 8 $ 15 $ 15
Weighted-average interest rate reduction % 6.00% 6.00% 6.00% 7.00%
Weighted average term extension 27 months 24 months 28 months 24 months
Personal, small business and other | In offices outside North America | Interest rate reduction        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 1 $ 1 $ 3 $ 3
Personal, small business and other | In offices outside North America | Term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 1 0 3
Personal, small business and other | In offices outside North America | Payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Personal, small business and other | In offices outside North America | Combination: interest rate reduction and term extension        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 8 6 12 9
Personal, small business and other | In offices outside North America | Combination: term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance 0 0 0 0
Personal, small business and other | In offices outside North America | Combination: interest rate reduction, term extension and payment delay        
Financing Receivable, Impaired [Line Items]        
Total modifications balance $ 0 $ 0 $ 0 $ 0