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Loans (Tables)
 9 Months Ended
Sep. 30, 2022
Receivables [Abstract]  
Loan Portfolio Composition and Aging Analysis The table below presents the composition and aging analysis of our loans held for investment portfolio as of September 30, 2022 and December 31, 2021. The delinquency aging includes all past due loans, both performing and nonperforming.Table 3.1: Loan Portfolio Composition and Aging Analysis
 September 30, 2022
Delinquent Loans
(Dollars in millions)Current30-59
Days		60-89
Days
> 90
Days
Total
Delinquent
Loans		Total
Loans
Credit Card:
Domestic credit card$117,676 $1,179 $817 $1,607 $3,603 $121,279 
International card businesses5,409 79 53 93 225 5,634 
Total credit card123,085 1,258 870 1,700 3,828 126,913 
Consumer Banking:
Auto75,329 2,754 1,202 295 4,251 79,580 
Retail banking1,580 15 5 19 39 1,619 
Total consumer banking76,909 2,769 1,207 314 4,290 81,199 
Commercial Banking:
Commercial and multifamily real estate38,056 134 1 34 169 38,225 
Commercial and industrial57,456 69 13 68 150 57,606 
Total commercial banking95,512 203 14 102 319 95,831 
Total loans(1)
$295,506 $4,230 $2,091 $2,116 $8,437 $303,943 
% of Total loans97.22 %1.39 %0.69 %0.70 %2.78 %100.00 %
December 31, 2021
Delinquent Loans
(Dollars in millions)Current30-59
Days		60-89
Days
> 90
Days
Total
Delinquent
Loans		Total
Loans
Credit Card:
Domestic credit card$106,312 $773 $528 $1,110 $2,411 $108,723 
International card businesses5,836 77 50 86 213 6,049 
Total credit card112,148 850 578 1,196 2,624 114,772 
Consumer Banking:
Auto72,221 2,385 933 240 3,558 75,779 
Retail banking1,807 35 7 18 60 1,867 
Total consumer banking74,028 2,420 940 258 3,618 77,646 
December 31, 2021
Delinquent Loans
(Dollars in millions)Current30-59
Days		60-89
Days
> 90
Days
Total
Delinquent
Loans		Total
Loans
Commercial Banking:
Commercial and multifamily real estate35,100 92 35 35 162 35,262 
Commercial and industrial49,379 139 103 39 281 49,660 
Total commercial banking84,479 231 138 74 443 84,922 
Total loans(1)
$270,655 $3,501 $1,656 $1,528 $6,685 $277,340 
% of Total loans97.59 %1.26 %0.60 %0.55 %2.41 %100.00 %
__________
(1)Loans include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $1.4 billion as of both September 30, 2022 and December 31, 2021.
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 September 30, 2022 and December 31, 2021. Nonperforming loans generally include loans that have been placed on nonaccrual status.
Table 3.2: 90+ Day Delinquent Loans Accruing Interest and Nonperforming Loans
September 30, 2022December 31, 2021
(Dollars in millions)
> 90 Days and Accruing
Nonperforming
Loans(1)
Nonperforming
 Loans Without an Allowance
> 90 Days and Accruing
Nonperforming
Loans(1)
Nonperforming
 Loans Without an Allowance
Credit Card:
Domestic credit card$1,607 N/A$0 $1,110 N/A$0 
International card businesses90 $8 0 82 $10 0 
Total credit card1,697 8 0 1,192 10 0 
Consumer Banking:
Auto0 474 0 0 344 0 
Retail banking0 43 5 0 47 4 
Total consumer banking0 517 5 0 391 4 
Commercial Banking:
Commercial and multifamily real estate3 243 219 3 383 268 
Commercial and industrial0 307 200 0 316 257 
Total commercial banking3 550 419 3 699 525 
Total$1,700 $1,075 $424 $1,195 $1,100 $529 
% of Total loans held for investment0.56 %0.35 %0.14 %0.43 %0.40 %0.19 %
__________
(1)We recognized interest income for loans classified as nonperforming of $2 million and $29 million for the three and nine months ended September 30, 2022, respectively, and $1 million and $21 million for the three and nine months ended September 30, 2021, respectivel
Financing Receivable, Allowance for Credit Loss [Line Items]  
TDR Disclosures
The following tables present the major modification types, amortized cost amounts and financial effects of loans modified in a TDR during the three and nine months ended September 30, 2022 and 2021.
Table 3.6: Troubled Debt Restructurings
Three Months Ended September 30, 2022
Reduced Interest RateTerm Extension
(Dollars in millions)
Total Loans Modified(1)
% of TDR Activity(2)
Average Rate Reduction
% of TDR Activity(2)
Average Term Extension (Months)
Credit Card:
Domestic credit card$77100 %16.79 %N/AN/A
International card businesses29100 27.52 N/AN/A
Total credit card106100 19.77 N/AN/A
Consumer Banking:
Auto27564 8.45 97 %5
Retail banking1N/AN/A60 14
Total consumer banking27664 8.45 97 5
Commercial Banking:
Commercial and multifamily real estate38580.78 100 11
Commercial and industrial75N/AN/A98 17
Total commercial banking11320 0.78 99 15
Total$495
Nine Months Ended September 30, 2022
Reduced Interest RateTerm Extension
(Dollars in millions)
Total Loans Modified(1)
% of TDR Activity(2)
Average Rate Reduction
% of TDR Activity(2)
Average Term Extension (Months)
Credit Card:
Domestic credit card$196100 %15.76 %N/AN/A
International card businesses93100 27.73 N/AN/A
Total credit card289100 19.63 N/AN/A
Consumer Banking:
Auto79456 8.59 97 %4
Retail banking2N/AN/A76 13
Total consumer banking79656 8.59 97 4
Commercial Banking:
Commercial and multifamily real estate30210 0.35 80 13
Commercial and industrial242N/AN/A62 14
Total commercial banking5446 0.35 72 13
Total$1,629
Three Months Ended September 30, 2021
Reduced Interest RateTerm Extension
(Dollars in millions)
Total Loans Modified(1)
% of TDR Activity(2)
Average Rate Reduction
% of TDR Activity(2)
Average Term Extension (Months)
Credit Card:
Domestic credit card$37100 %15.80 %N/AN/A
International card businesses28100 27.75 N/AN/A
Total credit card65100 20.90 N/AN/A
Consumer Banking:
Auto8948 8.54 92 %4
Total consumer banking8948 8.54 92 4
Commercial Banking:
Commercial and multifamily real estate2114 2.50 100 12
Commercial and industrial4N/AN/A100 4
Total commercial banking2512 2.50 100 11
Total$179
Nine Months Ended September 30, 2021
Reduced Interest RateTerm ExtensionBalance Reduction
(Dollars in millions)
Total Loans Modified(1)
% of TDR Activity(2)
Average Rate Reduction
% of TDR Activity(2)
Average Term Extension (Months)
% of TDR Activity(2)
Gross Balance Reduction
Credit Card:
Domestic credit card$114100 %16.00 %N/AN/AN/AN/A
International card businesses94100 27.66 N/AN/AN/AN/A
Total credit card208100 21.26 N/AN/AN/AN/A
Consumer Banking:
Auto26940 8.74 934—$1 
Retail banking120 2.55 3667N/AN/A
Total consumer banking27040 8.72 934—1 
Commercial Banking:
Commercial and multifamily real estate417 1.29 10013N/AN/A
Commercial and industrial82N/AN/A418N/AN/A
Total commercial banking1232 1.29 6111N/AN/A
Total$601
__________
(1)Represents the amortized cost of total loans modified in TDR at the end of the period in which they were modified. As not every modification type is included in the table above, the total percentage of TDR activity may not add up to 100%. Some loans may receive more than one type of modification.
(2)Due to multiple modification types granted to some troubled borrowers, percentages may total more than 100% for certain loan types.
The following table presents the type, number and amortized cost of loans modified in a TDR that experienced a default during the period and had completed a modification event in the twelve months prior to the default. A default occurs if the loan is
either 90 days or more delinquent, has been charged off as of the end of the period presented or has been reclassified from accrual to nonaccrual status.
Table 3.7: TDR—Subsequent Defaults
Three Months Ended September 30,Nine Months Ended September 30,
 2022202120222021
(Dollars in millions)Number of ContractsAmountNumber of ContractsAmountNumber of ContractsAmountNumber of ContractsAmount
Credit Card:
Domestic credit card9,927 $19 4,168 $7 23,951 $47 13,528 $25 
International card businesses18,971 19 12,680 17 55,089 58 44,709 68 
Total credit card28,898 38 16,848 24 79,040 105 58,237 93 
Consumer Banking:
Auto4,592 82 2,151 34 10,102 178 6,453 98 
Retail banking0 0 1 0 0 0 9 0 
Total consumer banking4,592 82 2,152 34 10,102 178 6,462 98 
Commercial Banking:
Commercial and multifamily real estate0 0 0 0 0 0 1 50 
Commercial and industrial0 0 1 38 3 35 7 120 
Total commercial banking0 0 1 38 3 35 8 170 
Total33,490 $120 19,001 $96 89,145 $318 64,707 $361 
Credit Card  
Financing Receivable, Allowance for Credit Loss [Line Items]  
Credit Quality Indicator
The table below presents our credit card portfolio by delinquency status as of September 30, 2022 and December 31, 2021.
Table 3.3: Credit Card Delinquency Status
September 30, 2022December 31, 2021
(Dollars in millions)Revolving LoansRevolving Loans Converted to TermTotalRevolving LoansRevolving Loans Converted to TermTotal
Credit Card:
Domestic credit card:
Current
$117,410 $266 $117,676 $105,985 $327 $106,312 
30-59 days
1,165 14 1,179 760 13 773 
60-89 days
808 9 817 519 9 528 
Greater than 90 days
1,595 12 1,607 1,100 10 1,110 
Total domestic credit card120,978 301 121,279 108,364 359 108,723 
International card businesses:
Current
5,379 30 5,409 5,795 41 5,836 
30-59 days
76 3 79 73 4 77 
60-89 days
50 3 53 47 3 50 
Greater than 90 days
90 3 93 82 4 86 
Total international card businesses5,595 39 5,634 5,997 52 6,049 
Total credit card$126,573 $340 $126,913 $114,361 $411 $114,772 
Consumer Banking  
Financing Receivable, Allowance for Credit Loss [Line Items]  
Credit Quality Indicator The table below presents our consumer banking portfolio of loans held for investment by credit quality indicator as of September 30, 2022 and December 31, 2021. We present our auto loan portfolio by FICO scores at origination and our retail banking loan portfolio by delinquency status, which includes all past due loans, both performing and nonperforming.
Table 3.4: Consumer Banking Portfolio by Credit Quality Indicator
September 30, 2022
Term Loans by Vintage Year
(Dollars in millions)20222021202020192018PriorTotal Term LoansRevolving LoansRevolving Loans Converted to TermTotal
Auto—At origination FICO scores:(1)
Greater than 660$15,488 $15,559 $6,005 $3,020 $1,300 $502 $41,874 $0 $0 $41,874 
621-6605,301 5,543 2,535 1,349 626 270 15,624 0 0 15,624 
620 or below6,505 7,124 4,364 2,459 1,098 532 22,082 0 0 22,082 
Total auto27,294 28,226 12,904 6,828 3,024 1,304 79,580 0 0 79,580 
Retail banking—Delinquency status:
Current153 136 91 135 130 505 1,150 425 5 1,580 
30-59 days0 1 0 0 4 2 7 8 0 15 
60-89 days0 1 0 2 0 0 3 2 0 5 
Greater than 90 days0 0 1 0 3 9 13 4 2 19 
Total retail banking(2)
153 138 92 137 137 516 1,173 439 7 1,619 
Total consumer banking$27,447 $28,364 $12,996 $6,965 $3,161 $1,820 $80,753 $439 $7 $81,199 
December 31, 2021
Term Loans by Vintage Year
(Dollars in millions)20212020201920182017PriorTotal Term LoansRevolving LoansRevolving Loans Converted to TermTotal
Auto—At origination FICO scores:(1)
Greater than 660$20,758 $8,630 $4,739 $2,394 $1,153 $301 $37,975 $0 $0 $37,975 
621-6607,456 3,721 2,109 1,084 537 157 15,064 0 0 15,064 
620 or below9,522 6,336 3,767 1,840 949 326 22,740 0 0 22,740 
Total auto37,736 18,687 10,615 5,318 2,639 784 75,779 0 0 75,779 
Retail banking—Delinquency status:
Current285 171 172 161 176 491 1,456 345 6 1,807 
30-59 days0 2 2 7 0 1 12 23 0 35 
60-89 days0 4 0 0 0 2 6 1 0 7 
Greater than 90 days0 1 0 1 1 9 12 4 2 18 
Total retail banking(2)
285 178 174 169 177 503 1,486 373 8 1,867 
Total consumer banking$38,021 $18,865 $10,789 $5,487 $2,816 $1,287 $77,265 $373 $8 $77,646 
__________
(1)Amounts represent period-end loans held for investment in each credit score category. Auto 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.
(2)Includes Paycheck Protection Program (“PPP”) loans of $38 million and $232 million as of September 30, 2022 and December 31, 2021, respectively.
Commercial Banking  
Financing Receivable, Allowance for Credit Loss [Line Items]  
Credit Quality Indicator
The following table presents our commercial banking portfolio of loans held for investment by internal risk ratings as of September 30, 2022 and December 31, 2021. The internal risk rating status includes all past due loans, both performing and nonperforming.
Table 3.5: Commercial Banking Portfolio by Internal Risk Ratings
September 30, 2022
Term Loans by Vintage Year
(Dollars in millions)20222021202020192018PriorTotal Term LoansRevolving LoansRevolving Loans Converted to TermTotal
Internal risk rating:(1)
Commercial and multifamily real estate
Noncriticized$7,785 $4,837 $1,748 $1,986 $1,502 $3,237 $21,095 $13,861 $25 $34,981 
Criticized performing529 280 161 439 314 1,140 2,863 138 0 3,001 
Criticized nonperforming102 0 0 7 19 115 243 0 0 243 
Total commercial and multifamily real estate8,416 5,117 1,909 2,432 1,835 4,492 24,201 13,999 25 38,225 
Commercial and industrial
Noncriticized16,701 7,028 4,907 3,186 1,744 3,492 37,058 17,491 29 54,578 
Criticized performing787 566 158 293 147 123 2,074 647 0 2,721 
Criticized nonperforming148 23 6 42 41 6 266 41 0 307 
Total commercial and industrial17,636 7,617 5,071 3,521 1,932 3,621 39,398 18,179 29 57,606 
Total commercial banking(2)
$26,052 $12,734 $6,980 $5,953 $3,767 $8,113 $63,599 $32,178 $54 $95,831 
December 31, 2021
Term Loans by Vintage Year
(Dollars in millions)20212020201920182017PriorTotal Term LoansRevolving LoansRevolving Loans Converted to TermTotal
Internal risk rating:(1)
Commercial and multifamily real estate
Noncriticized$6,590 $2,924 $3,393 $2,401 $793 $3,538 $19,639 $12,286 $0 $31,925 
Criticized performing248 195 329 317 261 1,478 2,828 101 25 2,954 
Criticized nonperforming0 0 88 20 9 266 383 0 0 383 
Total commercial and multifamily real estate6,838 3,119 3,810 2,738 1,063 5,282 22,850 12,387 25 35,262 
Commercial and industrial
Noncriticized12,662 7,039 5,506 2,750 1,730 3,033 32,720 14,310 59 47,089 
Criticized performing279 188 838 207 120 167 1,799 456 0 2,255 
Criticized nonperforming32 52 85 93 6 10 278 38 0 316 
Total commercial and industrial12,973 7,279 6,429 3,050 1,856 3,210 34,797 14,804 59 49,660 
Total commercial banking(2)
$19,811 $10,398 $10,239 $5,788 $2,919 $8,492 $57,647 $27,191 $84 $84,922 
__________
(1)Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities.
(2)Includes PPP loans of $32 million and $102 million as of September 30, 2022 and December 31, 2021, respectively.