XML 178 R55.htm IDEA: XBRL DOCUMENT v3.22.2
Loans and Related Allowance for Credit Losses (Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes) (Details) - USD ($)
$ in Millions
Jun. 30, 2022
Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]    
Total loans, net [1] $ 310,800 $ 288,372
Automobile | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 2,702 6,612
Year two 5,353 3,403
Year three 2,637 3,765
Year four 2,788 1,874
Year five 1,302 738
Prior 541 243
Total loans, net 15,323 16,635
Automobile | Greater than or equal to 780 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 1,391 3,247
Year two 2,543 1,496
Year three 1,186 1,380
Year four 1,032 533
Year five 371 226
Prior 161 79
Total loans, net 6,684 6,961
Automobile | 720 to 779 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 868 2,119
Year two 1,702 983
Year three 738 1,030
Year four 745 499
Year five 340 195
Prior 139 62
Total loans, net 4,532 4,888
Automobile | 660 to 719 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 392 969
Year two 817 609
Year three 446 772
Year four 552 413
Year five 278 155
Prior 109 44
Total loans, net 2,594 2,962
Automobile | Less than 660 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 51 277
Year two 291 315
Year three 267 583
Year four 459 429
Year five 313 162
Prior 132 58
Total loans, net 1,513 1,824
Credit card | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Revolving Loans 6,588 6,564
Revolving Loans Converted to Term 62 62
Total loans, net 6,650 6,626
Credit card | Greater than or equal to 780 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Revolving Loans 1,864 1,815
Revolving Loans Converted to Term 2 2
Total loans, net 1,866 1,817
Credit card | 720 to 779 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Revolving Loans 1,912 1,836
Revolving Loans Converted to Term 8 9
Total loans, net 1,920 1,845
Credit card | 660 to 719 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Revolving Loans 1,807 1,856
Revolving Loans Converted to Term 16 19
Total loans, net 1,823 1,875
Credit card | Less than 660 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Revolving Loans 897 943
Revolving Loans Converted to Term 33 29
Total loans, net 930 972
Credit card | No FICO score available or required | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Revolving Loans 108 114
Revolving Loans Converted to Term 3 3
Total loans, net 111 117
Education    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 25 76
Year two 103 109
Year three 99 134
Year four 117 107
Year five 93 78
Prior 1,895 2,029
Total loans, net 2,332 2,533
Education | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 25 76
Year two 103 109
Year three 99 134
Year four 117 107
Year five 93 78
Prior 644 651
Total loans, net 1,081 1,155
Education | Greater than or equal to 780 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 10 37
Year two 58 60
Year three 54 77
Year four 67 62
Year five 55 48
Prior 391 392
Total loans, net 635 676
Education | 720 to 779 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 8 20
Year two 28 29
Year three 26 37
Year four 32 30
Year five 26 21
Prior 159 160
Total loans, net 279 297
Education | 660 to 719 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 3 7
Year two 7 9
Year three 8 11
Year four 10 11
Year five 9 7
Prior 68 73
Total loans, net 105 118
Education | Less than 660 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 1 1
Year two 2 1
Year three 2 2
Year four 2 2
Year five 2 2
Prior 25 25
Total loans, net 34 33
Education | No FICO score available or required | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 3 11
Year two 8 10
Year three 9 7
Year four 6 2
Year five 1  
Prior 1 1
Total loans, net 28 31
Education | Other internal credit metrics    
Financing Receivable, Credit Quality Indicator [Line Items]    
Prior 1,251 1,378
Total loans, net 1,251 1,378
Other consumer    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 457 776
Year two 558 541
Year three 375 575
Year four 399 274
Year five 163 75
Prior 117 116
Revolving Loans 3,458 3,347
Revolving Loans Converted to Term 35 23
Total loans, net 5,562 5,727
Other consumer | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 397 689
Year two 512 510
Year three 340 540
Year four 341 251
Year five 148 53
Prior 73 68
Revolving Loans 300 392
Revolving Loans Converted to Term 8 2
Total loans, net 2,119 2,505
Other consumer | Greater than or equal to 780 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 116 199
Year two 144 131
Year three 86 123
Year four 76 47
Year five 28 12
Prior 28 32
Revolving Loans 58 95
Revolving Loans Converted to Term 2 1
Total loans, net 538 640
Other consumer | 720 to 779 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 151 250
Year two 179 172
Year three 107 167
Year four 102 68
Year five 38 15
Prior 21 19
Revolving Loans 99 125
Revolving Loans Converted to Term 3  
Total loans, net 700 816
Other consumer | 660 to 719 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 124 190
Year two 138 145
Year three 98 165
Year four 106 82
Year five 49 16
Prior 15 11
Revolving Loans 99 122
Revolving Loans Converted to Term 2  
Total loans, net 631 731
Other consumer | Less than 660 | Using FICO Credit Metric    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 6 50
Year two 51 62
Year three 49 85
Year four 57 54
Year five 33 10
Prior 9 6
Revolving Loans 44 50
Revolving Loans Converted to Term 1 1
Total loans, net 250 318
Other consumer | Other internal credit metrics    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year one 60 87
Year two 46 31
Year three 35 35
Year four 58 23
Year five 15 22
Prior 44 48
Revolving Loans 3,158 2,955
Revolving Loans Converted to Term 27 21
Total loans, net $ 3,443 $ 3,222
[1] Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $1.0 billion, Loans held for investment of $1.3 billion and Other assets of $0.1 billion at June 30, 2022. Comparable amounts at December 31, 2021 were $1.9 billion, $1.5 billion and $0.1 billion, respectively.