XML 172 R51.htm IDEA: XBRL DOCUMENT v3.23.2
Loans and Related Allowance for Credit Losses (Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes) (Details) - USD ($)
$ in Millions
6 Months Ended
Jun. 30, 2023
Dec. 31, 2022
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Total loans, net [1] $ 321,761 $ 326,025
Updated FICO scores    
Gross charge-offs    
Year two 10  
Year three 12  
Year four 9  
Year five 17  
Prior 13  
Total 61  
Updated FICO scores | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 3,384 5,139
Year two 4,353 4,424
Year three 3,621 2,054
Year four 1,575 2,067
Year five 1,475 878
Prior 657 274
Total loans, net 15,065 14,836
Updated FICO scores | Greater than or equal to 780 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 1,706 2,390
Year two 1,907 2,162
Year three 1,846 922
Year four 728 760
Year five 554 241
Prior 180 75
Total loans, net 6,921 6,550
Updated FICO scores | 720 to 779 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 1,066 1,702
Year two 1,426 1,312
Year three 1,005 561
Year four 411 538
Year five 374 222
Prior 160 69
Total loans, net 4,442 4,404
Updated FICO scores | 660 to 719 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 538 854
Year two 766 660
Year three 510 341
Year four 251 401
Year five 275 187
Prior 137 56
Total loans, net 2,477 2,499
Updated FICO scores | Less than 660 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 74 193
Year two 254 290
Year three 260 230
Year four 185 368
Year five 272 228
Prior 180 74
Total loans, net 1,225 1,383
Credit card    
Gross charge-offs    
Revolving Loans 141  
Revolving Loans Converted to Term 13  
Total 154  
Credit card | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Revolving Loans 7,032 7,010
Revolving Loans Converted to Term 60 59
Total loans, net 7,092 7,069
Credit card | Greater than or equal to 780 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Revolving Loans 1,954 1,954
Revolving Loans Converted to Term 1 2
Total loans, net 1,955 1,956
Credit card | 720 to 779 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Revolving Loans 2,022 1,994
Revolving Loans Converted to Term 5 6
Total loans, net 2,027 2,000
Credit card | 660 to 719 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Revolving Loans 1,967 1,957
Revolving Loans Converted to Term 13 13
Total loans, net 1,980 1,970
Credit card | Less than 660 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Revolving Loans 983 1,001
Revolving Loans Converted to Term 38 35
Total loans, net 1,021 1,036
Credit card | No FICO score available or required | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Revolving Loans 106 104
Revolving Loans Converted to Term 3 3
Total loans, net 109 107
Education    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 40 126
Year two 170 97
Year three 89 88
Year four 79 105
Year five 95 85
Prior 1,585 1,672
Total loans, net 2,058 2,173
Gross charge-offs    
Year four 1  
Year five 1  
Prior 7  
Total 9  
Education | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 40 126
Year two 170 97
Year three 89 88
Year four 79 105
Year five 95 85
Prior 603 584
Total loans, net 1,076 1,085
Education | Greater than or equal to 780 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 15 42
Year two 94 53
Year three 50 48
Year four 44 61
Year five 56 51
Prior 373 357
Total loans, net 632 612
Education | 720 to 779 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 14 39
Year two 51 27
Year three 26 24
Year four 22 30
Year five 27 24
Prior 147 143
Total loans, net 287 287
Education | 660 to 719 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 6 21
Year two 16 8
Year three 7 8
Year four 7 9
Year five 8 8
Prior 59 59
Total loans, net 103 113
Education | Less than 660 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 1 4
Year two 3 1
Year three 1 1
Year four 1 2
Year five 2 2
Prior 23 24
Total loans, net 31 34
Education | No FICO score available or required | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 4 20
Year two 6 8
Year three 5 7
Year four 5 3
Year five 2  
Prior 1 1
Total loans, net 23 39
Education | Other internal credit metrics    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Prior 982 1,088
Total loans, net 982 1,088
Other consumer    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 418 912
Year two 738 420
Year three 304 266
Year four 165 248
Year five 200 89
Prior 97 76
Revolving Loans 2,611 2,995
Revolving Loans Converted to Term 22 20
Total loans, net 4,555 5,026
Gross charge-offs    
Year one 32  
Year two 9  
Year three 10  
Year four 8  
Year five 9  
Prior 5  
Revolving Loans 6  
Revolving Loans Converted to Term 1  
Total 80  
Other consumer | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 397 787
Year two 622 377
Year three 273 226
Year four 146 214
Year five 126 82
Prior 71 47
Revolving Loans 253 275
Revolving Loans Converted to Term 7 8
Total loans, net 1,895 2,016
Other consumer | Greater than or equal to 780 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 136 224
Year two 183 97
Year three 69 53
Year four 34 46
Year five 27 14
Prior 19 18
Revolving Loans 41 47
Revolving Loans Converted to Term 2 2
Total loans, net 511 501
Other consumer | 720 to 779 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 186 302
Year two 224 122
Year three 85 68
Year four 41 62
Year five 35 20
Prior 19 15
Revolving Loans 82 89
Revolving Loans Converted to Term 1 2
Total loans, net 673 680
Other consumer | 660 to 719 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 70 229
Year two 166 110
Year three 80 68
Year four 45 66
Year five 39 28
Prior 19 8
Revolving Loans 88 95
Revolving Loans Converted to Term 2 2
Total loans, net 509 606
Other consumer | Less than 660 | Using FICO Credit Metric    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 5 32
Year two 49 48
Year three 39 37
Year four 26 40
Year five 25 20
Prior 14 6
Revolving Loans 42 44
Revolving Loans Converted to Term 2 2
Total loans, net 202 229
Other consumer | Other internal credit metrics    
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]    
Year one 21 125
Year two 116 43
Year three 31 40
Year four 19 34
Year five 74 7
Prior 26 29
Revolving Loans 2,358 2,720
Revolving Loans Converted to Term 15 12
Total loans, net $ 2,660 $ 3,010
[1] Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.8 billion, Loans held for investment of $1.3 billion and Other assets of $0.1 billion at June 30, 2023. Comparable amounts at December 31, 2022 were $0.9 billion, $1.3 billion and $0.1 billion, respectively.