v3.25.4
ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses Roll Forward by Segment (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Allowance for credit losses      
Adjusted ACLL at beginning of year $ 18,574 $ 18,145 $ 16,974
Charge-offs (11,099) (10,694) (7,881)
Gross recoveries on loans 2,002 1,694 1,444
Replenishment of NCLs 9,097 9,000 6,437
Net reserve builds (releases) for loans 368 791 1,272
Net specific reserve builds (releases) 32 (65) 77
Other 273 (320) 174
ACLL at end of year 19,247 18,574 18,145
Allowance for credit losses on loans      
Collectively evaluated 18,874 18,221  
Individually evaluated 374 340  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 19,247 18,574 18,145
Loans, net of unearned income      
Collectively evaluated 743,117 684,812  
Individually evaluated 2,150 1,511  
Loans held at fair value 6,855 8,040  
Total 752,230 694,488  
Purchased credit deteriorated assets 24 52 26
Purchased credit deteriorated      
Allowance for credit losses on loans      
Purchased credit deteriorated (1) 13  
Loans, net of unearned income      
Purchased credit deteriorated 108 125  
Corporate      
Allowance for credit losses      
Adjusted ACLL at beginning of year 2,556 2,714 2,855
Charge-offs (442) (493) (328)
Gross recoveries on loans 77 96 78
Replenishment of NCLs 365 397 250
Net reserve builds (releases) for loans 422 (67) (168)
Net specific reserve builds (releases) 20 (63) 39
Other 55 (28) (12)
ACLL at end of year 3,053 2,556 2,714
Allowance for credit losses on loans      
Collectively evaluated 2,730 2,254  
Individually evaluated 323 302  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 3,053 2,556 2,714
Loans, net of unearned income      
Collectively evaluated 334,892 292,250  
Individually evaluated 2,001 1,377  
Loans held at fair value 6,804 7,759  
Total 343,697 301,386  
Corporate | Purchased credit deteriorated      
Allowance for credit losses on loans      
Purchased credit deteriorated 0 0  
Loans, net of unearned income      
Purchased credit deteriorated 0 0  
Consumer      
Allowance for credit losses      
Adjusted ACLL at beginning of year 16,018 15,431 14,119
Charge-offs (10,657) (10,201) (7,553)
Gross recoveries on loans 1,925 1,598 1,366
Replenishment of NCLs 8,732 8,603 6,187
Net reserve builds (releases) for loans (54) 858 1,440
Net specific reserve builds (releases) 12 (2) 38
Other 218 (292) 186
ACLL at end of year 16,194 16,018 15,431
Allowance for credit losses on loans      
Collectively evaluated 16,144 15,967  
Individually evaluated 51 38  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 16,194 16,018 15,431
Loans, net of unearned income      
Collectively evaluated 408,225 392,562  
Individually evaluated 149 134  
Loans held at fair value 51 281  
Total 408,533 393,102  
Consumer | Purchased credit deteriorated      
Allowance for credit losses on loans      
Purchased credit deteriorated (1) 13  
Loans, net of unearned income      
Purchased credit deteriorated $ 108 $ 125  
Cumulative effect of adoption      
Allowance for credit losses      
Adjusted ACLL at beginning of year     (352)
Allowance for credit losses on loans      
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest      
Cumulative effect of adoption | Consumer      
Allowance for credit losses      
Adjusted ACLL at beginning of year     (352)
Allowance for credit losses on loans      
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest      
Adjusted balance      
Allowance for credit losses      
Adjusted ACLL at beginning of year     16,622
Allowance for credit losses on loans      
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest      
Adjusted balance | Consumer      
Allowance for credit losses      
Adjusted ACLL at beginning of year     $ 13,767
Allowance for credit losses on loans      
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest