LOANS - Credit Quality Indicators (Details) - USD ($)
$ in Millions |
Dec. 31, 2025 |
Dec. 31, 2024 |
| Loans receivable |
|
|
| Loans, net of unearned income |
$ 752,230
|
$ 694,488
|
| Portfolio-layer cumulative basis adjustments |
17
|
(72)
|
| Consumer |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
408,533
|
393,102
|
| Portfolio-layer cumulative basis adjustments |
343
|
(224)
|
| Consumer | 90+ days past due | Personal Banking and Wealth Management |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
25,200
|
25,900
|
| Consumer | In North America offices | 90+ days past due | Personal Banking and Wealth Management |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
26,000
|
|
| Consumer | Outside U.S. | 90+ days past due | Personal Banking and Wealth Management |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
22,300
|
|
| Consumer | Residential first mortgages |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
119,389
|
114,593
|
| Consumer | Residential first mortgages | In offices outside North America |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
24,041
|
24,456
|
| Consumer | Home equity loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
2,872
|
3,141
|
| Consumer | Credit cards |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
173,108
|
170,497
|
| Consumer | Credit cards | Outside U.S. |
|
|
| Loans receivable |
|
|
| Revolving loans converted to term loans |
52
|
33
|
| Consumer | Personal, small business and other |
|
|
| Loans receivable |
|
|
| Revolving loans converted to term loans |
14
|
22
|
| Loans, net of unearned income |
$ 32,379
|
$ 32,400
|
| Consumer | Personal, small business and other | In offices outside North America | Internal Investment Grade |
|
|
| Loans receivable |
|
|
| Percentage internal risk rating |
80.00%
|
83.00%
|
| Consumer | Less than or equal to 80% |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
$ 111,472
|
$ 107,142
|
| Consumer | Less than or equal to 80% | Residential first mortgages |
|
|
| Loans receivable |
|
|
| 2025 |
12,061
|
9,196
|
| 2024 |
7,845
|
13,973
|
| 2023 |
12,637
|
18,546
|
| 2022 |
18,144
|
18,247
|
| 2021 |
17,495
|
15,434
|
| Prior |
40,567
|
28,797
|
| Loans, net of unearned income |
108,749
|
104,193
|
| Consumer | Less than or equal to 80% | Residential first mortgages | In offices outside North America |
|
|
| Loans receivable |
|
|
| 2025 |
2,576
|
2,808
|
| 2024 |
2,825
|
2,406
|
| 2023 |
2,062
|
2,579
|
| 2022 |
2,283
|
2,505
|
| 2021 |
2,168
|
1,739
|
| Prior |
7,712
|
7,642
|
| Loans, net of unearned income |
$ 19,626
|
$ 19,679
|
| Loan to value ratio |
56.00%
|
58.00%
|
| Consumer | Less than or equal to 80% | Home equity line of credit (pre-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
$ 2,348
|
$ 2,514
|
| Consumer | Less than or equal to 80% | Home equity line of credit (post-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
375
|
435
|
| Consumer | Less than or equal to 80% | Home equity loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
2,723
|
2,949
|
| Consumer | 80% but less than or equal to 100% |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
9,689
|
8,742
|
| Consumer | 80% but less than or equal to 100% | Residential first mortgages |
|
|
| Loans receivable |
|
|
| 2025 |
4,163
|
3,550
|
| 2024 |
2,181
|
2,036
|
| 2023 |
1,288
|
2,078
|
| 2022 |
1,378
|
472
|
| 2021 |
276
|
226
|
| Prior |
348
|
351
|
| Loans, net of unearned income |
9,634
|
8,713
|
| Consumer | 80% but less than or equal to 100% | Residential first mortgages | In offices outside North America |
|
|
| Loans receivable |
|
|
| 2025 |
207
|
421
|
| 2024 |
275
|
654
|
| 2023 |
727
|
462
|
| 2022 |
630
|
426
|
| 2021 |
648
|
326
|
| Prior |
456
|
148
|
| Loans, net of unearned income |
2,943
|
2,437
|
| Consumer | 80% but less than or equal to 100% | Home equity line of credit (pre-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
42
|
26
|
| Consumer | 80% but less than or equal to 100% | Home equity line of credit (post-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
13
|
3
|
| Consumer | 80% but less than or equal to 100% | Home equity loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
55
|
29
|
| Consumer | Greater than 100% |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
116
|
158
|
| Consumer | Greater than 100% | Residential first mortgages |
|
|
| Loans receivable |
|
|
| 2025 |
0
|
1
|
| 2024 |
3
|
2
|
| 2023 |
3
|
42
|
| 2022 |
23
|
33
|
| 2021 |
6
|
1
|
| Prior |
28
|
25
|
| Loans, net of unearned income |
63
|
104
|
| Consumer | Greater than 100% | Residential first mortgages | In offices outside North America |
|
|
| Loans receivable |
|
|
| 2025 |
0
|
0
|
| 2024 |
0
|
412
|
| 2023 |
150
|
698
|
| 2022 |
415
|
657
|
| 2021 |
345
|
176
|
| Prior |
67
|
8
|
| Loans, net of unearned income |
977
|
1,951
|
| Consumer | Greater than 100% | Home equity line of credit (pre-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
32
|
45
|
| Consumer | Greater than 100% | Home equity line of credit (post-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
21
|
9
|
| Consumer | Greater than 100% | Home equity loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
53
|
54
|
| Consumer | LTV not available |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
984
|
1,692
|
| Consumer | LTV not available | Residential first mortgages |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
943
|
1,583
|
| Consumer | LTV not available | Residential first mortgages | In offices outside North America |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
495
|
389
|
| Consumer | LTV not available | Home equity loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
41
|
109
|
| Consumer | Total |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
122,261
|
117,734
|
| Consumer | Less than 660 |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
28,652
|
27,952
|
| Consumer | Less than 660 | Residential first mortgages |
|
|
| Loans receivable |
|
|
| 2025 |
112
|
123
|
| 2024 |
143
|
223
|
| 2023 |
227
|
354
|
| 2022 |
368
|
312
|
| 2021 |
327
|
298
|
| Prior |
1,617
|
1,473
|
| Loans, net of unearned income |
2,794
|
2,783
|
| Consumer | Less than 660 | Home equity line of credit (pre-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
232
|
266
|
| Consumer | Less than 660 | Home equity line of credit (post-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
64
|
58
|
| Consumer | Less than 660 | Home equity term loans |
|
|
| Loans receivable |
|
|
| 2025 |
0
|
0
|
| 2024 |
0
|
0
|
| 2023 |
0
|
0
|
| 2022 |
0
|
0
|
| 2021 |
0
|
0
|
| Prior |
39
|
45
|
| Loans, net of unearned income |
39
|
45
|
| Consumer | Less than 660 | Home equity loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
335
|
369
|
| Consumer | Less than 660 | Credit cards |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
23,473
|
22,855
|
| Consumer | Less than 660 | Credit cards |
|
|
| Loans receivable |
|
|
| Revolving loans converted to term loans |
1,742
|
1,462
|
| Loans, net of unearned income |
25,215
|
24,317
|
| Consumer | Less than 660 | Credit cards | Canada |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
548
|
562
|
| Consumer | Less than 660 | Personal, small business and other |
|
|
| Loans receivable |
|
|
| 2025 |
43
|
96
|
| 2024 |
82
|
132
|
| 2023 |
59
|
131
|
| 2022 |
44
|
28
|
| 2021 |
7
|
2
|
| Prior |
73
|
94
|
| Loans, net of unearned income |
308
|
483
|
| Consumer | Less than 660 | Personal, small business and other | Canada |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
832
|
755
|
| Consumer | 660 to 739 |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
80,026
|
79,930
|
| Consumer | 660 to 739 | Residential first mortgages |
|
|
| Loans receivable |
|
|
| 2025 |
2,309
|
2,213
|
| 2024 |
1,600
|
2,451
|
| 2023 |
2,045
|
3,272
|
| 2022 |
2,877
|
2,745
|
| 2021 |
2,483
|
1,990
|
| Prior |
6,201
|
5,034
|
| Loans, net of unearned income |
17,515
|
17,705
|
| Consumer | 660 to 739 | Home equity line of credit (pre-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
682
|
764
|
| Consumer | 660 to 739 | Home equity line of credit (post-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
71
|
80
|
| Consumer | 660 to 739 | Home equity term loans |
|
|
| Loans receivable |
|
|
| 2025 |
0
|
0
|
| 2024 |
0
|
0
|
| 2023 |
0
|
0
|
| 2022 |
0
|
0
|
| 2021 |
0
|
1
|
| Prior |
70
|
86
|
| Loans, net of unearned income |
70
|
87
|
| Consumer | 660 to 739 | Home equity loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
823
|
931
|
| Consumer | 660 to 739 | Credit cards |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
59,531
|
59,574
|
| Consumer | 660 to 739 | Credit cards |
|
|
| Loans receivable |
|
|
| Revolving loans converted to term loans |
843
|
668
|
| Loans, net of unearned income |
60,374
|
60,242
|
| Consumer | 660 to 739 | Personal, small business and other |
|
|
| Loans receivable |
|
|
| 2025 |
475
|
398
|
| 2024 |
382
|
282
|
| 2023 |
185
|
180
|
| 2022 |
99
|
38
|
| 2021 |
15
|
2
|
| Prior |
158
|
152
|
| Loans, net of unearned income |
1,314
|
1,052
|
| Consumer | Greater than or equal to 740 |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
181,744
|
174,872
|
| Consumer | Greater than or equal to 740 | Residential first mortgages |
|
|
| Loans receivable |
|
|
| 2025 |
13,564
|
10,308
|
| 2024 |
7,973
|
12,936
|
| 2023 |
11,184
|
16,034
|
| 2022 |
15,199
|
14,651
|
| 2021 |
13,891
|
12,245
|
| Prior |
30,153
|
20,573
|
| Loans, net of unearned income |
91,964
|
86,747
|
| Consumer | Greater than or equal to 740 | Home equity line of credit (pre-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
1,506
|
1,597
|
| Consumer | Greater than or equal to 740 | Home equity line of credit (post-reset) |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
69
|
75
|
| Consumer | Greater than or equal to 740 | Home equity term loans |
|
|
| Loans receivable |
|
|
| 2025 |
0
|
0
|
| 2024 |
0
|
0
|
| 2023 |
0
|
0
|
| 2022 |
0
|
1
|
| 2021 |
1
|
2
|
| Prior |
94
|
111
|
| Loans, net of unearned income |
95
|
114
|
| Consumer | Greater than or equal to 740 | Home equity loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
1,670
|
1,786
|
| Consumer | Greater than or equal to 740 | Credit cards |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
85,390
|
83,935
|
| Consumer | Greater than or equal to 740 | Credit cards |
|
|
| Loans receivable |
|
|
| Revolving loans converted to term loans |
160
|
129
|
| Loans, net of unearned income |
85,550
|
84,064
|
| Consumer | Greater than or equal to 740 | Personal, small business and other |
|
|
| Loans receivable |
|
|
| 2025 |
1,475
|
1,219
|
| 2024 |
616
|
577
|
| 2023 |
234
|
271
|
| 2022 |
98
|
54
|
| 2021 |
14
|
4
|
| Prior |
123
|
150
|
| Loans, net of unearned income |
2,560
|
2,275
|
| Consumer | Classifiably managed |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
25,168
|
25,860
|
| Consumer | Classifiably managed | Residential first mortgages |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
0
|
0
|
| Consumer | Classifiably managed | Home equity loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
0
|
0
|
| Consumer | Classifiably managed | Credit cards |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
0
|
0
|
| Consumer | Classifiably managed | Personal, small business and other |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
25,168
|
25,860
|
| Consumer | FICO not available |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
12,158
|
12,017
|
| Consumer | FICO not available | Residential first mortgages |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
7,116
|
7,358
|
| Consumer | FICO not available | Home equity loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
44
|
55
|
| Consumer | FICO not available | Credit cards |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
1,969
|
1,874
|
| Consumer | FICO not available | Personal, small business and other |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
3,029
|
2,730
|
| Consumer | Total loans |
|
|
| Loans receivable |
|
|
| Loans, net of unearned income |
$ 327,748
|
$ 320,631
|