Loans (Tables)

6 Months Ended

Jun. 30, 2026

Loan Portfolio Composition and Aging Analysis

The table below presents the composition and aging analysis of our loans held for investment portfolio as of June 30, 2026 and December 31, 2025. The delinquency aging includes all past due loans, both performing and nonperforming.

Table 4.1: Loan Portfolio Composition and Aging Analysis


	June 30, 2026
			Delinquent Loans
(Dollars in millions)	Current		30-59 Days		60-89 Days		> 90 Days		Total Delinquent Loans		Total Loans
Credit Card:
Domestic credit card	$	250,235	$	2,682	$	1,902	$	4,186	$	8,770	$	259,005
Personal loans	8,468		61		46		44		151		8,619
International card businesses	7,414		122		76		172		370		7,784
Total credit card	266,117		2,865		2,024		4,402		9,291		275,408
Consumer Banking:
Auto	85,023		2,821		1,189		278		4,288		89,311
Retail banking	1,133		16		2		5		23		1,156
Total consumer banking	86,156		2,837		1,191		283		4,311		90,467
Commercial Banking:
Commercial and multifamily real estate	33,952		73		104		161		338		34,290
Commercial and industrial	56,645		—		40		318		358		57,003
Total commercial banking	90,597		73		144		479		696		91,293
Total loans(1)	$	442,870	$	5,775	$	3,359	$	5,164	$	14,298	$	457,168
% of Total loans	96.87%		1.26%		0.74%		1.13%		3.13%		100.00%


	December 31, 2025
			Delinquent Loans
(Dollars in millions)	Current		30-59 Days		60-89 Days		> 90 Days		Total Delinquent Loans		Total Loans
Credit Card:
Domestic credit card	$	251,932	$	3,015	$	2,308	$	5,148	$	10,471	$	262,403
Personal loans	9,325		72		53		49		174		9,499
International card businesses	7,304		117		83		164		364		7,668
Total credit card	268,561		3,204		2,444		5,361		11,009		279,570
Consumer Banking:
Auto	78,758		3,165		1,323		354		4,842		83,600
Retail banking	1,171		12		2		5		19		1,190
Total consumer banking	79,929		3,177		1,325		359		4,861		84,790
Commercial Banking:
Commercial and multifamily real estate	33,501		54		1		62		117		33,618
Commercial and industrial	55,330		57		3		254		314		55,644
Total commercial banking	88,831		111		4		316		431		89,262
Total loans(1)	$	437,321	$	6,492	$	3,773	$	6,036	$	16,301	$	453,622
% of Total loans	96.41%		1.43%		0.83%		1.33%		3.59%		100.00%

__________

(1)Loans include unamortized premiums, discounts and deferred fees and costs totaling $1.1 billion and $980 million as of June 30, 2026 and December 31, 2025, respectively.

90 Plus Day Delinquent Loans Accruing Interest and Nonperforming Loans

The following table presents our loans held for investment that are 90 days or more past due that continue to accrue interest, loans that are classified as nonperforming and loans that are classified as nonperforming without an allowance as of June 30, 2026 and December 31, 2025. Nonperforming loans generally include loans that have been placed on nonaccrual status. We recognized interest income for loans classified as nonperforming of $4 million and $23 million for the three and six months ended June 30, 2026, respectively, and $3 million and $20 million for the three and six months ended June 30, 2025, respectively.

Table 4.2: 90+ Day Delinquent Loans Accruing Interest and Nonperforming Loans


	June 30, 2026									December 31, 2025
(Dollars in millions)	> 90 Days and Accruing			Nonperforming Loans			Nonperforming Loans Without an Allowance			> 90 Days and Accruing			Nonperforming Loans			Nonperforming Loans Without an Allowance
Credit Card:
Domestic credit card	$	4,186		N/A			$	—		$	5,148		N/A			$	—
Personal loans	42			$	10		—			47			$	12		—
International card businesses	163			14			—			157			12			—
Total credit card	4,391			24			—			5,352			24			—
Consumer Banking:
Auto	—			546			—			—			566			—
Retail banking	—			18			7			—			17			4
Total consumer banking	—			564			7			—			583			4
Commercial Banking:
Commercial and multifamily real estate	—			443			260			—			320			191
Commercial and industrial	—			758			445			—			892			527
Total commercial banking	—			1,201			705			—			1,212			718
Total	$	4,391		$	1,789		$	712		$	5,352		$	1,819		$	722
% of Total loans held for investment	0.96		%	0.39		%	0.16		%	1.18		%	0.40		%	0.16		%

Credit Quality Indicator

The tables below present our Credit Card segment by delinquency status as of June 30, 2026 and December 31, 2025.

Table 4.3: Domestic and International Credit Card Delinquency Status


	June 30, 2026						December 31, 2025
(Dollars in millions)	Revolving Loans		Revolving Loans Converted to Term		Total		Revolving Loans		Revolving Loans Converted to Term		Total
Credit Card:
Domestic credit card:
Current	$	248,429	$	1,806	$	250,235	$	250,332	$	1,600	$	251,932
30-59 days	2,587		95		2,682		2,925		90		3,015
60-89 days	1,831		71		1,902		2,233		75		2,308
Greater than 90 days	4,072		114		4,186		5,016		132		5,148
Total domestic credit card	256,919		2,086		259,005		260,506		1,897		262,403

International card businesses:
Current	7,369		45		7,414		7,260		44		7,304
30-59 days	117		5		122		112		5		117
60-89 days	73		3		76		80		3		83
Greater than 90 days	168		4		172		158		6		164
Total international card businesses	$	7,727	$	57	$	7,784	$	7,610	$	58	$	7,668

Table 4.4: Personal Loans Delinquency Status


	June 30, 2026
	Term Loans by Vintage Year
(Dollars in millions)	2026		2025		2024		2023		2022		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total
Personal loans—Delinquency status:
Current	$	1,704	$	3,131	$	1,957	$	1,095	$	424	$	157	$	8,468	$	—	$	—	$	8,468
30-59 days	2		16		19		15		6		3		61		—		—		61
60-89 days	1		13		14		11		5		2		46		—		—		46
Greater than 90 days	1		9		13		13		6		2		44		—		—		44
Total personal loans	$	1,708	$	3,169	$	2,003	$	1,134	$	441	$	164	$	8,619	$	—	$	—	$	8,619


	December 31, 2025
	Term Loans by Vintage Year
(Dollars in millions)	2025		2024		2023		2022		2021		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total
Personal loans—Delinquency status:
Current	$	4,050	$	2,727	$	1,614	$	658	$	208	$	68	$	9,325	$	—	$	—	$	9,325
30-59 days	14		22		22		10		3		1		72		—		—		72
60-89 days	8		17		16		8		3		1		53		—		—		53
Greater than 90 days	5		16		17		8		2		1		49		—		—		49
Total personal loans	$	4,077	$	2,782	$	1,669	$	684	$	216	$	71	$	9,499	$	—	$	—	$	9,499

The table below presents loans held for investment in our Consumer Banking segment loans held for investment by credit quality indicator as of June 30, 2026 and December 31, 2025. We present our auto loan portfolio by Fair Isaac Corporation (“FICO”) scores at origination and our retail banking loan portfolio by delinquency status, which includes all past due loans, both performing and nonperforming.

Table 4.5: Consumer Banking Portfolio by Vintage Year


	June 30, 2026
	Term Loans by Vintage Year
(Dollars in millions)	2026		2025		2024		2023		2022		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total
Auto—At origination FICO scores:(1)
Greater than 660	$	11,139	$	14,547	$	9,302	$	3,945	$	3,232	$	1,853	$	44,018	$	—	$	—	$	44,018
621-660	4,131		5,724		3,267		1,751		1,207		730		16,810		—		—		16,810
620 or below	7,761		10,714		4,892		2,515		1,530		1,071		28,483		—		—		28,483
Total auto	23,031		30,985		17,461		8,211		5,969		3,654		89,311		—		—		89,311

Retail banking—Delinquency status:
Current	67		80		121		65		74		395		802		329		2		1,133
30-59 days	—		3		1		—		—		4		8		8		—		16
60-89 days	—		—		—		—		—		—		—		2		—		2
Greater than 90 days	—		1		2		1		—		1		5		—		—		5
Total retail banking	67		84		124		66		74		400		815		339		2		1,156
Total consumer banking	$	23,098	$	31,069	$	17,585	$	8,277	$	6,043	$	4,054	$	90,126	$	339	$	2	$	90,467


	December 31, 2025
	Term Loans by Vintage Year
(Dollars in millions)	2025		2024		2023		2022		2021		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total
Auto—At origination FICO scores:(1)
Greater than 660	$	17,601	$	11,622	$	5,209	$	4,634	$	2,706	$	512	$	42,284	$	—	$	—	$	42,284
621-660	6,691		4,002		2,258		1,683		988		263		15,885		—		—		15,885
620 or below	12,319		5,947		3,213		2,115		1,290		547		25,431		—		—		25,431
Total auto	36,611		21,571		10,680		8,432		4,984		1,322		83,600		—		—		83,600

Retail banking—Delinquency status:
Current	103		126		69		78		40		411		827		341		3		1,171
30-59 days	1		—		—		—		—		1		2		10		—		12
60-89 days	—		—		—		—		—		1		1		1		—		2
Greater than 90 days	—		—		—		—		—		2		2		3		—		5
Total retail banking	104		126		69		78		40		415		832		355		3		1,190
Total consumer banking	$	36,715	$	21,697	$	10,749	$	8,510	$	5,024	$	1,737	$	84,432	$	355	$	3	$	84,790

__________

(1)Amounts represent period-end loans held for investment in each credit score category. Auto loan credit scores generally represent average FICO scores obtained from three credit bureaus at the time of application and are not refreshed thereafter. Balances for which no credit score is available or the credit score is invalid are included in the 620 or below category.

The following table presents loans held for investment for our Commercial Banking segment by internal risk ratings as of June 30, 2026 and December 31, 2025. The internal risk rating status includes all past due loans, both performing and nonperforming.

Table 4.6: Commercial Banking Portfolio by Internal Risk Ratings


	June 30, 2026
	Term Loans by Vintage Year
(Dollars in millions)	2026		2025		2024		2023		2022		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total
Internal risk rating:(1)
Commercial and multifamily real estate
Noncriticized	$	1,923	$	2,259	$	1,252	$	1,564	$	2,638	$	4,895	$	14,531	$	17,611	$	50	$	32,192
Criticized performing	—		—		153		70		381		929		1,533		33		89		1,655
Criticized nonperforming	—		9		23		—		—		411		443		—		—		443
Total commercial and multifamily real estate	1,923		2,268		1,428		1,634		3,019		6,235		16,507		17,644		139		34,290
Commercial and industrial
Noncriticized	4,283		7,144		4,433		4,280		6,551		8,576		35,267		18,534		41		53,842
Criticized performing	1		169		267		232		514		688		1,871		532		—		2,403
Criticized nonperforming	—		4		65		8		112		391		580		127		51		758
Total commercial and industrial	4,284		7,317		4,765		4,520		7,177		9,655		37,718		19,193		92		57,003
Total commercial banking	$	6,207	$	9,585	$	6,193	$	6,154	$	10,196	$	15,890	$	54,225	$	36,837	$	231	$	91,293


	December 31, 2025
	Term Loans by Vintage Year
(Dollars in millions)	2025		2024		2023		2022		2021		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total
Internal risk rating:(1)
Commercial and multifamily real estate
Noncriticized	$	2,288	$	1,516	$	2,034	$	3,178	$	1,357	$	4,573	$	14,946	$	16,352	$	140	$	31,438
Criticized performing	—		172		145		428		109		975		1,829		29		2		1,860
Criticized nonperforming	10		17		—		—		76		217		320		—		—		320
Total commercial and multifamily real estate	2,298		1,705		2,179		3,606		1,542		5,765		17,095		16,381		142		33,618
Commercial and industrial
Noncriticized	8,077		5,391		4,623		7,531		3,284		6,667		35,573		16,643		219		52,435
Criticized performing	3		162		185		391		726		309		1,776		541		—		2,317
Criticized nonperforming	12		71		12		158		246		196		695		162		35		892
Total commercial and industrial	8,092		5,624		4,820		8,080		4,256		7,172		38,044		17,346		254		55,644
Total commercial banking	$	10,390	$	7,329	$	6,999	$	11,686	$	5,798	$	12,937	$	55,139	$	33,727	$	396	$	89,262

__________

(1)Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities.

The table below presents gross charge-offs for loans held for investment by vintage year during the six months ended June 30, 2026.

Table 5.2: Gross Charge-Offs by Vintage Year


	Six Months Ended June 30, 2026
	Term Loans by Vintage Year
(Dollars in millions)	2026		2025		2024		2023		2022		Prior		Total Term Loans		Revolving Loans		Revolving Loans Converted to Term		Total
Credit Card
Domestic credit card	N/A		N/A		N/A		N/A		N/A		N/A		N/A		$	8,331	$	221	$	8,552
Personal loans	$	—	$	55	$	81	$	63	$	27	$	11	$	237	N/A		N/A		237
International card business	N/A		N/A		N/A		N/A		N/A		N/A		N/A		305		5		310
Total credit card	—		55		81		63		27		11		237		8,636		226		9,099
Consumer Banking
Auto	29		447		370		232		183		133		1,394		—		—		1,394
Retail banking	—		—		1		—		—		1		2		41		—		43
Total consumer banking	29		447		371		232		183		134		1,396		41		—		1,437
Commercial Banking
Commercial and multifamily real estate	—		—		—		—		—		11		11		—		—		11
Commercial and industrial	—		—		—		—		53		85		138		43		—		181
Total commercial banking	—		—		—		—		53		96		149		43		—		192
Total	$	29	$	502	$	452	$	295	$	263	$	241	$	1,782	$	8,720	$	226	$	10,728

FDM Disclosures

The following tables present the major modification types, amortized cost basis amounts for each modification type and financial effects for all FDMs undertaken during the three and six months ended June 30, 2026 and 2025. For the three and six months ended June 30, 2025, the tables include amounts of FDMs from the acquired Discover portfolio, including loans which were modified prior to the Closing Date.

Table 4.7: Financial Difficulty Modifications to Borrowers



	Three Months Ended June 30, 2026
	Credit Card												Consumer Banking									Commercial Banking
(Dollars in millions)	Domestic Card			Personal Loans			International Card Businesses			Total Credit Card			Auto			Retail Banking			Total Consumer Banking			Commercial and Multifamily Real Estate			Commercial and Industrial			Total Commercial Banking			Total
Interest rate reduction	$	1,002		$	—		$	69		$	1,071		$	—		$	—		$	—		$	—		$	—		$	—		$	1,071
Term extension	—			10			—			10			66			1			67			129			198			327			404
Principal balance reduction	—			—			—			—			12			—			12			—			—			—			12
Principal balance reduction and term extension:	—			—			—			—			—			—			—			—			—			—			—
Interest rate reduction and term extension	6			17			—			23			377			—			377			—			—			—			400
Other(1)	—			23			—			23			4			—			4			—			184			184			211
Total loans modified	$	1,008		$	50		$	69		$	1,127		$	459		$	1		$	460		$	129		$	382		$	511		$	2,098
% of total class of receivables	0.39		%	0.59		%	0.88		%	0.41		%	0.51		%	0.04		%	0.51		%	0.37		%	0.67		%	0.56		%	0.46		%


	Six Months Ended June 30, 2026
	Credit Card												Consumer Banking									Commercial Banking
(Dollars in millions)	Domestic Card			Personal Loans			International Card Businesses			Total Credit Card			Auto			Retail Banking			Total Consumer Banking			Commercial and Multifamily Real Estate			Commercial and Industrial			Total Commercial Banking			Total
Interest rate reduction	$	1,992		$	—		$	108		$	2,100		$	—		$	—		$	—		$	—		$	—		$	—		$	2,100
Term extension	—			20			—			20			112			2			114			149			261			410			544
Principal balance reduction	—			—			—			—			19			—			19			—			—			—			19
Principal balance reduction and term extension	—			—			—			—			—			—			—			—			—			—			—
Interest rate reduction and term extension	9			36			—			45			826			—			826			—			—			—			871
Other(1)	—			49			—			49			5			1			6			5			263			268			323
Total loans modified	$	2,001		$	105		$	108		$	2,214		$	962		$	3		$	965		$	154		$	524		$	678		$	3,857
% of total class of receivables	0.77		%	1.21		%	1.39		%	0.80		%	1.08		%	0.30		%	1.07		%	0.45		%	0.92		%	0.74		%	0.84		%


	Three Months Ended June 30, 2025
	Credit Card												Consumer Banking									Commercial Banking
(Dollars in millions)	Domestic Card(2)			Personal Loans			International Card Businesses			Total Credit Card			Auto			Retail Banking			Total Consumer Banking			Commercial and Multifamily Real Estate			Commercial and Industrial			Total Commercial Banking			Total
Interest rate reduction	$	1,023		—			$	58		$	1,081		—			—			—			—			—			—			$	1,081
Term extension	—			$	10		—			10			$	41		$	1		$	42		$	262		$	164		$	426		478
Principal balance reduction	—			—			—			—			9			—			9			—			—			—			9
Interest rate reduction and term extension	4			18			—			22			263			—			263			—			50			50			335
Other(1)	—			31			—			31			2			—			2			22			111			133			166
Total loans modified	$	1,027		$	59		$	58		$	1,144		$	315		$	1		$	316		$	284		$	325		$	609		$	2,069
% of total class of receivables	0.41		%	0.60		%	0.78		%	0.42		%	0.39		%	0.08		%	0.39		%	0.86		%	0.59		%	0.69		%	0.47		%


	Six Months Ended June 30, 2025
	Credit Card												Consumer Banking									Commercial Banking
(Dollars in millions)	Domestic Card(2)			Personal Loans			International Card Businesses			Total Credit Card			Auto			Retail Banking			Total Consumer Banking			Commercial and Multifamily Real Estate			Commercial and Industrial			Total Commercial Banking			Total
Interest rate reduction	$	2,185		—			$	93		$	2,278		—			—			—			$	3		$	16		$	19		$	2,297
Term extension	—			$	22		—			22			$	60		$	1		$	61		470			325			795			878
Principal balance reduction	—			—			—			—			16			—			16			—			—			—			16
Interest rate reduction and term extension	7			36			—			43			479			—			479			—			50			50			572
Other(1)	—			63			—			63			2			—			2			54			194			248			313
Total loans modified	$	2,192		$	121		$	93		$	2,406		$	557		$	1		$	558		$	527		$	585		$	1,112		$	4,076
% of total class of receivables	0.87		%	1.24		%	1.24		%	0.89		%	0.70		%	0.08		%	0.69		%	1.60		%	1.06		%	1.26		%	0.93		%

__________

(1)Primarily consists of modifications or combinations of modifications not categorized above, such as payment delays, increases in committed exposure, forbearances and other types of modifications in Commercial Banking.

(2)Includes $432 million and $1.4 billion of FDMs as of June 30, 2025 that were modified prior to the Closing Date in the second quarter and first six months of 2025, respectively.

Table 4.8: Financial Effects of Financial Difficulty Modifications to Borrowers


	Three Months Ended June 30, 2026
	Credit Card			Consumer Banking		Commercial Banking
(Dollars in millions)	Domestic Card	Personal Loans	International Card Businesses		Auto	Retail Banking	Commercial and Multifamily Real Estate	Commercial and Industrial
Weighted-average interest rate reduction	15.42%	13.93%	26.28%		9.33%	—%	—%	—%
Payment delay duration (in months)	12	10	0		6	7	4	21
Principal balance reduction	$65	—	—		$1	—	—	—
Interest and fees forgiven	48	—	—		—	—	—	—


	Six Months Ended June 30, 2026
	Credit Card			Consumer Banking			Commercial Banking
(Dollars in millions)	Domestic Card	Personal Loans	International Card Businesses		Auto	Retail Banking		Commercial and Multifamily Real Estate	Commercial and Industrial
Weighted-average interest rate reduction	15.38%	13.92%	25.00%		9.33%	—%		—%	—%
Payment delay duration (in months)	12	9	0		6	6		9	18
Principal balance reduction	$133	—	—		$1	—		—	—
Interest and fees forgiven	110	—	—		—	—		—	—


	Three Months Ended June 30, 2025
	Credit Card			Consumer Banking		Commercial Banking
(Dollars in millions)	Domestic Card	Personal Loans	International Card Businesses	Auto	Retail Banking	Commercial and Multifamily Real Estate	Commercial and Industrial
Weighted-average interest rate reduction	15.31%	14.15%	26.19%	9.23%	0.50%	—%	1.93%
Payment delay duration (in months)	12	34	—	6	33	3	11
Principal balance reduction	$73	—	—	—	—	—	—
Interest and fees forgiven	63	—	—	—	—	—	—


	Six Months Ended June 30, 2025
	Credit Card			Consumer Banking		Commercial Banking
(Dollars in millions)	Domestic Card	Personal Loans	International Card Businesses	Auto	Retail Banking	Commercial and Multifamily Real Estate	Commercial and Industrial
Weighted-average interest rate reduction	14.89%	13.95%	25.75%	9.13%	0.50%	0.85%	1.69%
Payment delay duration (in months)	12	37	—	6	14	7	14
Principal balance reduction	$145	—	—	—	—	—	—
Interest and fees forgiven	133	—	—	—	—	—	—

The following tables present FDMs over a rolling 12-month period by delinquency status as of June 30, 2026 and 2025.

Table 4.9 Delinquency Status of Financial Difficulty Modifications to Borrowers(1)


	June 30, 2026
			Delinquent Loans
(Dollars in millions)	Current		30-59 Days		60-89 Days		> 90 Days		Total Delinquent Loans		Total Loans
Credit Card:
Domestic credit card	$	3,098	$	210	$	147	$	288	$	645	$	3,743
Personal loans	159		19		12		6		37		196
International card businesses	84		13		11		45		69		153
Total credit card	3,341		242		170		339		751		4,092
Consumer Banking:
Auto	1,165		204		127		33		364		1,529
Retail banking	4		—		1		1		2		6
Total consumer banking	1,169		204		128		34		366		1,535
Commercial Banking:
Commercial and multifamily real estate	194		—		—		—		—		194
Commercial and industrial	610		—		16		153		169		779
Total commercial banking	804		—		16		153		169		973
Total	$	5,314	$	446	$	314	$	526	$	1,286	$	6,600


	June 30, 2025
			Delinquent Loans
(Dollars in millions)	Current		30-59 Days		60-89 Days		> 90 Days		Total Delinquent Loans		Total Loans
Credit Card:
Domestic credit card(2)	$	3,423	$	200	$	141	$	297	$	638	$	4,061
Personal loans	171		20		12		5		37		208
International card businesses	77		12		10		36		58		135
Total credit card	3,671		232		163		338		733		4,404
Consumer Banking:
Auto	646		104		63		21		188		834
Retail banking	2		—		—		—		—		2
Total consumer banking	648		104		63		21		188		836
Commercial Banking:
Commercial and multifamily real estate	748		21		—		—		21		769
Commercial and industrial	917		—		9		48		57		974
Total commercial banking	1,665		21		9		48		78		1,743
Total	$	5,984	$	357	$	235	$	407	$	999	$	6,983

__________

(1)Commitments to lend additional funds on FDMs totaled $112 million and $197 million as of June 30, 2026 and 2025, respectively.

(2)Includes $3.1 billion of FDMs as of June 30, 2025 that were modified prior to the Closing Date.

Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods

The following table presents FDMs that entered subsequent default for the three and six months ended June 30, 2026 and 2025. For the three and six months ended June 30, 2026, the tables include amounts of FDMs from the acquired Discover portfolio, including loans which were modified or entered subsequent default prior to the Closing Date.

Table 4.10 Subsequent Defaults of Financial Difficulty Modifications to Borrowers


	Three Months Ended June 30, 2026
(Dollars in millions)	Interest Rate Reduction		Term Extension		Principal balance reduction		Interest Rate Reduction and Term Extension		Other Modifications		Total Loans
Credit Card:
Domestic credit card	$	150	$	—	$	—	$	2	$	—	$	152
Personal loans	—		3		—		3		11		17
International card businesses	26		—		—		—		—		26
Total credit card	176		3		—		5		11		195
Consumer Banking:
Auto	—		3		—		189		—		192
Retail banking	—		—		—		—		—		—
Total consumer banking	—		3		—		189		—		192
Commercial Banking:
Commercial and multifamily real estate	—		—		—		—		—		—
Commercial and industrial	—		—		—		—		—		—
Total commercial banking	—		—		—		—		—		—
Total	$	176	$	6	$	—	$	194	$	11	$	387


	Six Months Ended June 30, 2026
(Dollars in millions)	Interest Rate Reduction		Term Extension		Principal balance reduction		Interest Rate Reduction and Term Extension		Other Modifications		Total Loans
Credit Card:
Domestic credit card	$	312	$	—	$	—	$	3	$	—	$	315
Personal loans	—		5		—		6		23		34
International card businesses	50		—		—		—		—		50
Total credit card	362		5		—		9		23		399
Consumer Banking:
Auto	—		6		—		331		—		337
Retail banking	—		—		—		—		1		1
Total consumer banking	—		6		—		331		1		338
Commercial Banking:
Commercial and multifamily real estate	—		—		—		—		—		—
Commercial and industrial	—		—		5		—		—		5
Total commercial banking	—		—		5		—		—		5
Total	$	362	$	11	$	5	$	340	$	24	$	742


	Three Months Ended June 30, 2025
(Dollars in millions)	Interest Rate Reduction		Term Extension		Interest Rate Reduction and Term Extension		Other modifications		Total Loans
Credit Card:
Domestic credit card	$	190	$	—	$	1	$	—	$	191
Personal loans	—		1		3		6		10
International card businesses	23		—		—		—		23
Total credit card	213		1		4		6		224
Consumer Banking:
Auto	—		2		86		—		88
Retail banking	—		—		—		—		—
Total consumer banking	—		2		86		—		88
Commercial Banking:
Commercial and multifamily real estate	—		—		—		2		2
Commercial and industrial	—		20		—		3		23
Total commercial banking	—		20		—		5		25
Total	$	213	$	23	$	90	$	11	$	337


	Six Months Ended June 30, 2025
(Dollars in millions)	Interest Rate Reduction		Term Extension		Interest Rate Reduction and Term Extension		Other modifications		Total Loans
Credit Card:
Domestic credit card	$	406	$	—	$	2	$	—	$	408
Personal loans	—		2		7		14		23
International card businesses	45		—		—		—		45
Total credit card	451		2		9		14		476
Consumer Banking:
Auto	—		3		171		—		174
Retail banking	—		—		—		—		—
Total consumer banking	—		3		171		—		174
Commercial Banking:
Commercial and multifamily real estate	—		—		—		7		7
Commercial and industrial	—		20		—		2		22
Total commercial banking	—		20		—		9		29
Total	$	451	$	25	$	180	$	23	$	679