7Baggers

Ally Financial Inc
(NYSE:ALLY) 

ALLY stock logo

Ally Financial Inc., a bank holding company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance O...

Founded: 1919
Full Time Employees: 8,700
Sector: Financial Services
Industry: Credit Services
Financial Services
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At a glance:
  • Net Interest Margin Pressured by Funding Costs: Higher deposit and wholesale funding costs have weighed on net interest margin, with profitability tied to how quickly funding reprices versus earning assets.
  • Credit Performance Normalizing After Exceptionally Strong Period: Auto loan delinquencies and charge-offs have been trending toward more typical levels, making loss provisioning and underwriting discipline key drivers of earnings.
  • Auto Origination Mix and Pricing Drive Revenue Quality: Loan growth and margins depend on Ally’s appetite for risk-adjusted returns, including shifts between prime and non-prime originations and competitive pricing in auto finance.
  • Deposit Franchise and Liquidity Remain a Core Focus: As a primarily digital bank, Ally’s ability to retain and grow deposits at attractive rates is central to liquidity strength and reduces reliance on more expensive market funding.
  • Capital and Shareholder Returns Influenced by Credit and Regulation: Buybacks and dividends are shaped by earnings volatility, reserve levels, and evolving regulatory capital expectations, particularly as credit costs move through the cycle.
Bull Thesis:
  • Resilient Net Interest Margin (NIM) in a Rising Rate Environment: Ally's asset-sensitive balance sheet allows it to benefit from rising interest rates, as the yields on its loan portfolios reprice faster or higher than its cost of funds, supporting a healthy Net Interest Margin.
  • Strong and Cost-Effective Digital Deposit Base: Ally's direct-to-consumer digital bank model provides a stable, diversified, and relatively low-cost funding source through its deposit base, reducing reliance on more volatile wholesale funding and supporting growth.
  • Diversified Revenue Streams Beyond Auto Finance: While auto finance remains core, Ally's growing contributions from its mortgage, corporate finance, and wealth management segments provide diversification, reduce concentration risk, and offer new avenues for growth and profitability.
  • Attractive Valuation Relative to Peers and Book Value: Ally's stock may be trading at a discount compared to its tangible book value and peer group, presenting an attractive entry point for investors who believe in its long-term growth and profitability potential as market sentiment improves.
Bear Thesis:
  • Deteriorating Auto Loan Credit Quality: Rising interest rates, persistent inflation, and a potential economic slowdown could lead to higher delinquencies, charge-offs, and increased provisions for credit losses within Ally's significant auto loan portfolio.
  • Pressure on Net Interest Margin from Rising Deposit Costs: Intense competition for deposits in a higher interest rate environment is forcing Ally to increase its deposit rates, putting significant pressure on its cost of funds and potentially squeezing its Net Interest Margin.
  • Softening Used Vehicle Market Values: A sustained decline in used vehicle prices reduces the collateral value backing Ally's auto loans, potentially leading to higher losses on repossessed vehicles and increased credit loss provisions.
  • Exposure to Economic Downturn and Consumer Weakness: As a consumer-focused lender, Ally is highly susceptible to a broader economic recession, which could lead to higher unemployment, reduced consumer spending, and increased defaults across its various loan portfolios.
Main Competitors:
  • Capital One Financial Corp. ($COF) (Auto loans, Capital One 360 (online banking), credit cards), Capital One competes with Ally across multiple fronts, particularly in auto lending (both direct and indirect) and online banking services through its Capital One 360 platform, offering competitive savings and checking accounts. Both emphasize digital convenience and a strong online presence.
  • Discover Financial Services ($DFS) (Discover Bank (online banking), credit cards, personal loans), Discover Bank is a direct competitor in the online banking space, offering high-yield savings accounts, CDs, and money market accounts that directly rival Ally's deposit products. They also compete for consumer loans, though less directly in auto lending.
  • Marcus by Goldman Sachs ($GS) (High-yield savings, CDs, personal loans), Marcus by Goldman Sachs is a pure online-only banking competitor, offering high-yield savings accounts, CDs, and personal loans that directly target the same customer base seeking competitive rates and digital convenience for their deposits and unsecured lending needs.
  • JPMorgan Chase & Co. (Chase Auto) ($JPM) (Auto loans, mortgages, full-service banking), Chase Auto, a division of JPMorgan Chase, is a major competitor in the auto lending market, originating a vast number of new and used car loans through dealerships and directly. While Chase is a full-service bank, its auto finance arm directly competes with Ally's core business for market share.
Moat:
Ally Financial operates in highly competitive segments, primarily online banking and auto lending. Its main competitive advantage stems from its digital-first, branchless model, which allows for lower overhead and the ability to offer competitive interest rates on deposits and loans. However, this also means it faces intense competition from a diverse set of players. Traditional banks with massive scale (like JPMorgan Chase) are increasingly investing in digital channels and have established customer bases and broader product offerings. Other online-only banks (like Marcus by Goldman Sachs or Discover Bank) directly compete for high-yield deposits and consumer loans based on rates and digital experience. In auto lending, Ally competes with captive finance companies (e.g., Ford Credit, GM Financial) and other large financial institutions (e.g., Capital One Auto Finance). The competitive landscape forces Ally to continuously innovate on its digital platforms, maintain attractive rates, and expand its product suite to retain and attract customers.
Income Statements:
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 2018-12-31 2018-09-30 2018-06-30 2018-03-31 2017-12-31 2017-09-30 2017-06-30 2017-03-31 2016-12-31 2016-09-30 2016-06-30 2016-03-31 2015-12-31 2015-09-30 2015-06-30 2015-03-31 
                                              
      financing revenue and other interest income
    		                                          
      interest and fees on finance receivables and loans
    		2,674,000,000 2,624,000,000 2,709,000,000 2,833,000,000 2,889,000,000 2,845,000,000 2,827,000,000 2,887,000,000 2,837,000,000 2,721,000,000 2,575,000,000 2,423,000,000 2,120,000,000 1,842,000,000 1,714,000,000 1,679,000,000 1,619,000,000 1,588,000,000 1,582,000,000 1,607,000,000 1,602,000,000 1,742,000,000 1,811,000,000 1,859,000,000 1,860,000,000 1,807,000,000 1,790,000,000 1,708,000,000 1,647,000,000 1,543,000,000 1,518,000,000 1,486,000,000 1,447,000,000 1,368,000,000 1,355,000,000 1,307,000,000 1,265,000,000 1,235,000,000 1,212,000,000 1,166,000,000 1,118,000,000 1,074,000,000 
      interest on loans held-for-sale
    		6,000,000 6,000,000 5,000,000 2,000,000 5,000,000 7,000,000 36,000,000 5,000,000 7,000,000 7,000,000 15,000,000 13,000,000 10,000,000 4,000,000 4,000,000 4,000,000 5,000,000 4,000,000 5,000,000 6,000,000 5,000,000 2,000,000 4,000,000 8,000,000 3,000,000 2,000,000 5,000,000 4,000,000 6,000,000           2,000,000 14,000,000 24,000,000 
      interest and dividends on investment securities and other earning assets
    		250,000,000 248,000,000 230,000,000 244,000,000 262,000,000 265,000,000 266,000,000 270,000,000 267,000,000 247,000,000 238,000,000 232,000,000 218,000,000 203,000,000 188,000,000 167,000,000 155,000,000 147,000,000 131,000,000 140,000,000 173,000,000 226,000,000 234,000,000 237,000,000 244,000,000 240,000,000 226,000,000 198,000,000 188,000,000 176,000,000 162,000,000 157,000,000 146,000,000 134,000,000         
      interest on cash and cash equivalents
    		92,000,000 95,000,000 98,000,000 99,000,000 102,000,000 88,000,000 97,000,000 90,000,000 99,000,000 87,000,000 56,000,000 31,000,000 16,000,000 5,000,000 2,000,000 2,000,000 5,000,000 4,000,000 4,000,000 5,000,000 5,000,000 14,000,000 15,000,000 19,000,000 21,000,000 23,000,000 22,000,000 18,000,000 17,000,000 15,000,000 14,000,000 11,000,000 7,000,000 5,000,000 4,000,000 3,000,000 4,000,000 3,000,000 2,000,000 2,000,000   
      operating leases
    		365,000,000 352,000,000 351,000,000 350,000,000 316,000,000 333,000,000 356,000,000 371,000,000 385,000,000 392,000,000 402,000,000 400,000,000 397,000,000 396,000,000 403,000,000 403,000,000 393,000,000 384,000,000 370,000,000 365,000,000 360,000,000 367,000,000 378,000,000 368,000,000 363,000,000 361,000,000 365,000,000 368,000,000 374,000,000 382,000,000 402,000,000 434,000,000 488,000,000 543,000,000 592,000,000 649,000,000 701,000,000 769,000,000 812,000,000 830,000,000 860,000,000 896,000,000 
      total financing revenue and other interest income
    		3,387,000,000 3,325,000,000 3,393,000,000 3,528,000,000 3,574,000,000 3,538,000,000 3,582,000,000 3,623,000,000 3,595,000,000 3,454,000,000 3,286,000,000 3,099,000,000 2,761,000,000 2,450,000,000 2,311,000,000 2,255,000,000 2,177,000,000 2,127,000,000 2,092,000,000 2,123,000,000 2,145,000,000 2,351,000,000 2,442,000,000 2,491,000,000 2,491,000,000 2,433,000,000 2,408,000,000 2,296,000,000 2,232,000,000 2,116,000,000 2,096,000,000 2,088,000,000 2,088,000,000 2,050,000,000 2,067,000,000 2,060,000,000 2,069,000,000 2,109,000,000 2,124,000,000 2,102,000,000 2,087,000,000 2,084,000,000 
      interest expense
    		                                          
      interest on deposits
    		1,302,000,000 1,329,000,000 1,403,000,000 1,527,000,000 1,616,000,000 1,594,000,000 1,651,000,000 1,621,000,000 1,563,000,000 1,418,000,000 1,217,000,000 946,000,000 567,000,000 263,000,000 211,000,000 226,000,000 245,000,000 268,000,000 306,000,000 367,000,000 452,000,000 592,000,000 637,000,000 658,000,000 651,000,000 592,000,000 523,000,000 462,000,000 399,000,000 351,000,000 311,000,000 285,000,000 250,000,000 231,000,000 222,000,000 212,000,000 203,000,000 193,000,000 188,000,000 181,000,000 177,000,000 172,000,000 
      interest on short-term borrowings
    		11,000,000 5,000,000 1,000,000 3,000,000 13,000,000 27,000,000 23,000,000 37,000,000 13,000,000 11,000,000 12,000,000 40,000,000 43,000,000 19,000,000 5,000,000    1,000,000 3,000,000 9,000,000 17,000,000 21,000,000 33,000,000 37,000,000 44,000,000 48,000,000 29,000,000 40,000,000 32,000,000 33,000,000 34,000,000 33,000,000 27,000,000 18,000,000 14,000,000 12,000,000 13,000,000 13,000,000 13,000,000 12,000,000 11,000,000 
      interest on long-term debt
    		265,000,000 258,000,000 271,000,000 269,000,000 256,000,000 244,000,000 248,000,000 248,000,000 274,000,000 252,000,000 227,000,000 200,000,000 194,000,000 184,000,000 185,000,000 189,000,000 191,000,000 230,000,000 250,000,000 274,000,000 309,000,000 348,000,000 366,000,000 378,000,000 407,000,000 419,000,000 457,000,000 451,000,000 434,000,000 411,000,000 396,000,000 416,000,000 417,000,000 424,000,000 434,000,000 430,000,000 436,000,000 442,000,000 404,000,000 410,000,000 419,000,000 429,000,000 
      interest on other
    		 1,000,000    1,000,000  2,000,000   2,000,000 250,000  1,000,000   8,000,000                          
      total interest expense
    		1,578,000,000 1,593,000,000 1,675,000,000 1,799,000,000 1,885,000,000 1,866,000,000 1,922,000,000 1,908,000,000 1,850,000,000 1,681,000,000 1,458,000,000 1,185,000,000 804,000,000 467,000,000 401,000,000 415,000,000 444,000,000 498,000,000 557,000,000 644,000,000 770,000,000 957,000,000 1,024,000,000 1,069,000,000 1,095,000,000 1,055,000,000 1,028,000,000 942,000,000 873,000,000 794,000,000 740,000,000 735,000,000 700,000,000 682,000,000 674,000,000 656,000,000 651,000,000 648,000,000 605,000,000 604,000,000 608,000,000 612,000,000 
      net depreciation expense on operating lease assets
    		225,000,000 216,000,000 240,000,000 154,000,000 201,000,000 177,000,000 204,000,000 222,000,000 212,000,000 200,000,000 226,000,000 240,000,000 238,000,000 219,000,000 217,000,000 186,000,000 139,000,000 82,000,000 163,000,000 176,000,000 175,000,000 248,000,000 262,000,000 234,000,000 239,000,000 246,000,000 240,000,000 247,000,000 265,000,000 273,000,000 262,000,000 272,000,000 321,000,000 389,000,000         
      net financing revenue and other interest income
    		1,584,000,000 1,516,000,000 1,478,000,000 1,575,000,000 1,488,000,000 1,495,000,000 1,456,000,000 1,493,000,000 1,533,000,000 1,573,000,000 1,602,000,000 1,674,000,000 1,719,000,000 1,764,000,000 1,693,000,000 1,654,000,000 1,594,000,000 1,547,000,000 1,372,000,000 1,303,000,000 1,200,000,000 1,146,000,000 1,156,000,000 1,188,000,000 1,157,000,000 1,132,000,000 1,140,000,000 1,107,000,000 1,094,000,000 1,049,000,000 1,094,000,000 1,081,000,000 1,067,000,000 979,000,000         
      other revenue
    		                                          
      insurance premiums and service revenue earned
    		361,000,000 359,000,000 364,000,000 368,000,000 359,000,000 341,000,000 345,000,000 335,000,000 320,000,000 310,000,000 306,000,000 302,000,000 289,000,000 280,000,000 280,000,000 280,000,000 279,000,000 278,000,000 280,000,000 287,000,000 276,000,000 277,000,000 285,000,000 280,000,000 261,000,000 261,000,000 269,000,000 258,000,000 239,000,000 256,000,000 253,000,000 252,000,000 227,000,000 241,000,000 241,000,000 238,000,000 236,000,000 230,000,000 234,000,000 236,000,000 237,000,000 233,000,000 
      gain on mortgage and automotive loans
    		-3,000,000 -4,000,000 1,000,000 6,000,000 6,000,000 6,000,000 6,000,000 3,000,000 4,000,000 5,000,000 4,000,000 24,000,000 10,000,000 4,000,000 14,000,000 14,000,000 18,000,000 19,000,000 36,000,000 75,000,000 33,000,000 -12,000,000 6,000,000 10,000,000 2,000,000 10,000,000 6,000,000 17,000,000 1,000,000 1,000,000 3,000,000 15,000,000 36,000,000 14,000,000 7,000,000  3,000,000 1,000,000  -2,000,000 1,000,000 46,000,000 
      other gain on investments
    		56,000,000 61,000,000 -499,000,000 -24,000,000 74,000,000 -7,000,000 29,000,000 85,000,000 -41,000,000 26,000,000 74,000,000 53,000,000 -54,000,000 -124,000,000 5,000,000 73,000,000 24,000,000 65,000,000 123,000,000 134,000,000 64,000,000 -79,000,000 69,000,000 27,000,000 39,000,000 108,000,000 -87,000,000 22,000,000 27,000,000 -12,000,000 29,000,000 23,000,000 23,000,000 27,000,000 40,000,000 52,000,000 39,000,000 54,000,000 49,000,000 6,000,000 45,000,000 55,000,000 
      other income, net of losses
    		170,000,000 150,000,000 197,000,000 167,000,000 176,000,000 165,000,000 150,000,000 151,000,000 152,000,000 165,000,000 114,000,000 148,000,000 52,000,000 152,000,000 143,000,000 188,000,000 122,000,000 249,000,000 127,000,000 234,000,000 160,000,000 80,000,000 127,000,000 96,000,000 93,000,000 87,000,000 110,000,000 101,000,000 97,000,000 109,000,000 95,000,000 95,000,000 103,000,000 115,000,000 105,000,000 98,000,000 96,000,000 82,000,000 63,000,000 80,000,000 74,000,000 97,000,000 
      total other revenue
    		584,000,000 566,000,000 63,000,000 517,000,000 615,000,000 505,000,000 530,000,000 574,000,000 435,000,000 506,000,000 498,000,000 527,000,000 297,000,000 312,000,000 442,000,000 545,000,000 391,000,000 538,000,000 565,000,000 678,000,000 484,000,000 266,000,000 487,000,000 413,000,000 395,000,000 466,000,000 298,000,000 398,000,000 364,000,000 354,000,000 379,000,000 381,000,000 388,000,000 396,000,000 392,000,000 388,000,000 374,000,000 376,000,000 356,000,000 332,000,000 211,000,000 243,000,000 
      total net revenue
    		2,168,000,000 2,082,000,000 1,541,000,000 2,092,000,000 2,103,000,000 2,000,000,000 1,986,000,000 2,067,000,000 1,968,000,000 2,079,000,000 2,100,000,000 2,201,000,000 2,016,000,000 2,076,000,000 2,135,000,000 2,199,000,000 1,985,000,000 2,085,000,000 1,937,000,000 1,981,000,000 1,684,000,000 1,412,000,000 1,643,000,000 1,601,000,000 1,552,000,000 1,598,000,000 1,438,000,000 1,505,000,000 1,458,000,000 1,403,000,000 1,473,000,000 1,462,000,000 1,455,000,000 1,375,000,000 1,368,000,000 1,384,000,000 1,358,000,000 1,327,000,000 1,339,000,000 1,302,000,000 1,127,000,000 1,093,000,000 
      yoy
    		3.09% 4.10% -22.41% 1.21% 6.86% -3.80% -5.43% -6.09% -2.38% 0.14% -1.64% 0.09% 1.56% -0.43% 10.22% 11.00% 17.87% 47.66% 17.89% 23.74% 8.51% -11.64% 14.26% 6.38% 6.45% 13.90% -2.38% 2.94% 0.21% 2.04% 7.68% 5.64% 7.14% 3.62% 2.17% 6.30% 20.50% 21.41%     
      qoq
    		4.13% 35.11% -26.34% -0.52% 5.15% 0.70% -3.92% 5.03% -5.34% -1.00% -4.59% 9.18% -2.89% -2.76% -2.91% 10.78% -4.80% 7.64% -2.22% 17.64% 19.26% -14.06% 2.62% 3.16% -2.88% 11.13% -4.45% 3.22% 3.92% -4.75% 0.75% 0.48% 5.82% 0.51% -1.16% 1.91% 2.34% -0.90% 2.84% 15.53% 3.11%  
      benefit from credit losses
    		415,000,000 384,000,000 191,000,000 402,250,000 645,000,000 457,000,000 507,000,000 587,000,000 508,000,000 427,000,000 446,000,000 490,000,000 438,000,000 304,000,000 167,000,000 210,000,000 76,000,000 -32,000,000 -13,000,000 102,000,000 147,000,000 903,000,000                     
      noninterest expense
    		                                          
      compensation and benefits expense
    		447,000,000 430,000,000 505,000,000 446,000,000 435,000,000 442,000,000 519,000,000 453,000,000 463,000,000 448,000,000 537,000,000 503,000,000 467,000,000 437,000,000 493,000,000 413,000,000 389,000,000 446,000,000 395,000,000 340,000,000 342,000,000 360,000,000 312,000,000 296,000,000 296,000,000 318,000,000 283,000,000 274,000,000 292,000,000 306,000,000 281,000,000 264,000,000 265,000,000 285,000,000 250,000,000 248,000,000 242,000,000 252,000,000 237,000,000 235,000,000 236,000,000 255,000,000 
      insurance losses and loss adjustment expenses
    		141,000,000 203,000,000 161,000,000 116,000,000 135,000,000 181,000,000 112,000,000 93,000,000 107,000,000 134,000,000 88,000,000 63,000,000 70,000,000 89,000,000 58,000,000 55,000,000 69,000,000 74,000,000 63,000,000 62,000,000 85,000,000 74,000,000 61,000,000 74,000,000 127,000,000 59,000,000 54,000,000 77,000,000 101,000,000 63,000,000 54,000,000 65,000,000 125,000,000 88,000,000 55,000,000 69,000,000 145,000,000 73,000,000 54,000,000 61,000,000 122,000,000 56,000,000 
      goodwill impairment
    		  305,000,000                                        
      other operating expenses
    		652,000,000 629,000,000 663,000,000 680,000,000 655,000,000 663,000,000 677,000,000 721,000,000 662,000,000 667,000,000 641,000,000 700,000,000 624,000,000 612,000,000 571,000,000 622,000,000 544,000,000 555,000,000 485,000,000 621,000,000 478,000,000 486,000,000 507,000,000 468,000,000 458,000,000 453,000,000 467,000,000 456,000,000 446,000,000 445,000,000 434,000,000 424,000,000 420,000,000 405,000,000 416,000,000 418,000,000 386,000,000 385,000,000 377,000,000 378,000,000 366,000,000 384,000,000 
      total noninterest expense
    		1,240,000,000 1,262,000,000 1,634,000,000 1,360,000,000 1,225,000,000 1,286,000,000 1,308,000,000 1,416,000,000 1,232,000,000 1,249,000,000 1,266,000,000 1,266,000,000 1,161,000,000 1,138,000,000 1,122,000,000 1,090,000,000 1,002,000,000 1,075,000,000 943,000,000 1,023,000,000 905,000,000 920,000,000 880,000,000 838,000,000 881,000,000 830,000,000 804,000,000 807,000,000 839,000,000 814,000,000 769,000,000 753,000,000 810,000,000 778,000,000 721,000,000 735,000,000 773,000,000 710,000,000 668,000,000 674,000,000 724,000,000 695,000,000 
      income from continuing operations before income tax expense
    		513,000,000 436,000,000     171,000,000   403,000,000 388,000,000 445,000,000 417,000,000 634,000,000 846,000,000 899,000,000 907,000,000 1,042,000,000 1,007,000,000 856,000,000 632,000,000  487,000,000 500,000,000  486,000,000 368,000,000 465,000,000 461,000,000 328,000,000 410,000,000 395,000,000 376,000,000 326,000,000 380,000,000 391,000,000 413,000,000 397,000,000 431,000,000 417,000,000 263,000,000 282,000,000 
      income tax expense from continuing operations
    		115,000,000 84,000,000     14,000,000   74,000,000 68,000,000 167,000,000 117,000,000 152,000,000 191,000,000 241,000,000 195,000,000 143,000,000  169,000,000 156,000,000  106,000,000 119,000,000  111,000,000 79,000,000 91,000,000 113,000,000 76,000,000 231,000,000 115,000,000 122,000,000 113,000,000 134,000,000 130,000,000 56,000,000 150,000,000 85,250,000 144,000,000 94,000,000 103,000,000 
      net income from continuing operations
    		398,000,000 352,000,000 -225,000,000 -139,000,000 357,000,000 294,000,000 157,000,000 77,000,000 296,000,000 329,000,000 320,000,000 278,000,000 300,000,000 482,000,000 655,000,000 658,000,000 712,000,000 899,000,000 796,000,000 687,000,000 476,000,000 -319,000,000 381,000,000 381,000,000 584,000,000 375,000,000 289,000,000 374,000,000 348,000,000 252,000,000 179,000,000 280,000,000 254,000,000 213,000,000 246,000,000 261,000,000 357,000,000 247,000,000 276,000,000 273,000,000 169,000,000 179,000,000 
      net income
    		398,000,000 352,000,000 -225,000,000 -140,000,000 357,000,000 294,000,000 157,000,000 76,000,000 296,000,000 329,000,000 319,000,000 278,000,000 299,000,000 482,000,000 655,000,000 652,000,000 712,000,000 900,000,000 796,000,000 687,000,000 476,000,000 -319,000,000 378,000,000 381,000,000 582,000,000 374,000,000 290,000,000 374,000,000 349,000,000 250,000,000 181,000,000 282,000,000 252,000,000 214,000,000 248,000,000 209,000,000 360,000,000 250,000,000 263,000,000 268,000,000 182,000,000 576,000,000 
      yoy
    		11.48% 19.73% -243.31% -284.21% 20.61% -10.64% -50.78% -72.66% -1.00% -31.74% -51.30% -57.36% -58.01% -46.44% -17.71% -5.09% 49.58% -382.13% 110.58% 80.31% -18.21% -185.29% 30.34% 1.87% 66.76% 49.60% 60.22% 32.62% 38.49% 16.82% -27.02% 34.93% -30.00% -14.40% -5.70% -22.01% 97.80% -56.60%     
      qoq
    		13.07% -256.44% 60.71% -139.22% 21.43% 87.26% 106.58% -74.32% -10.03% 3.13% 14.75% -7.02% -37.97% -26.41% 0.46% -8.43% -20.89% 13.07% 15.87% 44.33% -249.22% -184.39% -0.79% -34.54% 55.61% 28.97% -22.46% 7.16% 39.60% 38.12% -35.82% 11.90% 17.76% -13.71% 18.66% -41.94% 44.00% -4.94% -1.87% 47.25% -68.40%  
      net income margin %
    		18.36% 16.91% -14.60% -6.69% 16.98% 14.70% 7.91% 3.68% 15.04% 15.82% 15.19% 12.63% 14.83% 23.22% 30.68% 29.65% 35.87% 43.17% 41.09% 34.68% 28.27% -22.59% 23.01% 23.80% 37.50% 23.40% 20.17% 24.85% 23.94% 17.82% 12.29% 19.29% 17.32% 15.56% 18.13% 15.10% 26.51% 18.84% 19.64% 20.58% 16.15% 52.70% 
      other comprehensive income, net of tax
    		275,000,000 43,000,000 662,000,000 105,750,000 616,000,000 -20,000,000 -173,000,000   -87,000,000 283,000,000   -1,218,000,000  -145,000,000 -165,000,000 189,000,000 -604,000,000 143,000,000 -120,000,000 583,000,000 180,250,000 106,000,000 309,000,000 306,000,000 -132,750,000 -133,000,000 -70,000,000 -328,000,000 36,000,000 48,000,000 76,000,000 20,000,000 65,500,000 -4,000,000 120,000,000 146,000,000 -14,000,000 61,000,000 -148,000,000 31,000,000 
      comprehensive income
    		673,000,000 395,000,000 437,000,000 307,750,000 973,000,000 274,000,000 -16,000,000 59,500,000 -606,000,000 242,000,000 602,000,000 -686,500,000 -1,032,000,000 -736,000,000 -978,000,000 457,000,000 547,000,000 1,089,000,000 192,000,000 242,500,000 356,000,000 264,000,000 514,500,000 487,000,000 891,000,000 680,000,000 110,500,000 241,000,000 279,000,000 -78,000,000 223,000,000 330,000,000 328,000,000 234,000,000 270,250,000 205,000,000 480,000,000 396,000,000 242,500,000 329,000,000 34,000,000 607,000,000 
      income from continuing operations before income tax (benefit) expense
    		  -284,000,000 165,250,000 233,000,000 257,000,000  254,750,000 228,000,000             -411,000,000   494,000,000                  
      income tax (benefit) expense from continuing operations
    		  -59,000,000 -36,750,000 -124,000,000 -37,000,000  18,500,000 -68,000,000             -92,000,000   -90,000,000                  
      income from discontinued operations, net of tax
    		       -1,000,000   -1,000,000  -1,000,000   -6,000,000  1,000,000     -3,000,000  -2,000,000 -1,000,000 -250,000  1,000,000 -2,000,000 2,000,000 2,000,000 -2,000,000 1,000,000 2,000,000 -52,000,000 3,000,000 3,000,000 -13,000,000 -5,000,000 13,000,000 397,000,000 
      other comprehensive loss, net of tax
    		       -176,500,000 -902,000,000   -1,045,500,000 -1,331,000,000  -1,633,000,000                            
      loss on extinguishment of debt
    		               -10,000,000 -52,000,000 -73,000,000 -1,000,000            -1,000,000 -4,000,000 -1,000,000 -1,000,000 -1,000,000   -4,000,000 -3,000,000  -156,000,000 -198,000,000 
      income tax benefit from continuing operations
    		                  211,000,000                        
      gain on extinguishment of debt
    		                   -12,500,000 -49,000,000                      
      benefit from loan losses
    		                      276,000,000 263,000,000 177,000,000 282,000,000 266,000,000 233,000,000 158,000,000 261,000,000 294,000,000 314,000,000 269,000,000 271,000,000 267,000,000 258,000,000 172,000,000 220,000,000 240,000,000 211,000,000 140,000,000 116,000,000 
      interest and dividends on investment securities
    		                                  75,500,000 101,000,000 99,000,000 102,000,000     
      depreciation expense on operating lease assets
    		                                  338,000,000 408,000,000 434,000,000 510,000,000 428,250,000 528,000,000 563,000,000 622,000,000 
      net financing revenue
    		                                  732,750,000 996,000,000 984,000,000 951,000,000 983,000,000 970,000,000 916,000,000 850,000,000 
      servicing fees
    		                                     13,000,000 13,000,000 12,000,000 10,000,000 10,000,000 
      interest and dividends on available-for-sale investment securities
    		                                      98,000,000 102,000,000 93,000,000 88,000,000 
      interest-bearing cash and cash equivalents
    		                                        2,000,000  
      interest-bearing cash
    		                                         2,000,000 
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-03-31 2019-12-31 2019-06-30 2019-03-31 2018-12-31 2018-09-30 2018-06-30 2018-03-31 2017-12-31 2017-09-30 2017-06-30 2017-03-31 2016-12-31 2016-09-30 2016-06-30 2016-03-31 2015-12-31 2015-09-30 2015-06-30 2015-03-31 
                                               
        assets
      		                                         
        cash and cash equivalents
      		                                         
        noninterest-bearing
      		429,000,000 530,000,000 543,000,000 522,000,000 544,000,000 536,000,000 589,000,000 638,000,000 603,000,000 536,000,000 554,000,000 542,000,000 638,000,000 801,000,000 470,000,000 502,000,000 636,000,000 653,000,000 747,000,000 724,000,000 719,000,000 453,000,000 619,000,000 659,000,000 946,000,000 810,000,000 802,000,000 799,000,000 768,000,000 844,000,000 810,000,000 1,514,000,000 1,513,000,000 1,547,000,000 1,779,000,000 1,790,000,000 1,906,000,000 2,148,000,000 1,666,000,000 1,739,000,000 1,552,000,000 
        interest-bearing
      		9,817,000,000 10,062,000,000 9,866,000,000 9,770,000,000 8,072,000,000 6,833,000,000 7,564,000,000 6,307,000,000 7,912,000,000 9,436,000,000 9,226,000,000 5,029,000,000 4,366,000,000 3,366,000,000 3,462,000,000 4,560,000,000 10,279,000,000 13,011,000,000 15,031,000,000 14,897,000,000 19,220,000,000 5,708,000,000 2,936,000,000 2,904,000,000 3,011,000,000 3,727,000,000 2,970,000,000 3,125,000,000 2,953,000,000 3,408,000,000 3,614,000,000 2,863,000,000 2,789,000,000 4,387,000,000 2,510,000,000 3,941,000,000 3,095,000,000 4,232,000,000 3,561,000,000 4,119,000,000 6,084,000,000 
        total cash and cash equivalents
      		10,246,000,000 10,592,000,000 10,409,000,000 10,292,000,000 8,616,000,000 7,369,000,000 8,153,000,000 6,945,000,000 8,515,000,000 9,972,000,000 9,780,000,000 5,571,000,000 5,004,000,000 4,167,000,000 3,932,000,000 5,062,000,000 10,915,000,000 13,664,000,000 15,778,000,000 15,621,000,000 19,939,000,000 6,161,000,000 3,555,000,000 3,563,000,000 3,957,000,000 4,537,000,000 3,772,000,000 3,924,000,000 3,721,000,000 4,252,000,000 4,424,000,000 4,377,000,000 4,302,000,000 5,934,000,000 4,289,000,000 5,731,000,000 5,001,000,000 6,380,000,000 5,227,000,000 5,858,000,000 7,636,000,000 
        equity securities
      		865,000,000 938,000,000 942,000,000 871,000,000 877,000,000 854,000,000 788,000,000 810,000,000 725,000,000 759,000,000 718,000,000 681,000,000 647,000,000 735,000,000 869,000,000 1,102,000,000 1,045,000,000 1,026,000,000 1,068,000,000 1,071,000,000 627,000,000 941,000,000 616,000,000 591,000,000 536,000,000 773,000,000 514,000,000 521,000,000 680,000,000             
        available-for-sale securities
      		22,684,000,000 22,397,000,000 22,346,000,000 22,410,000,000 23,905,000,000 23,200,000,000 23,684,000,000 24,415,000,000 26,794,000,000 28,664,000,000 29,450,000,000 29,541,000,000 29,613,000,000 31,743,000,000 33,385,000,000 33,587,000,000 33,122,000,000 34,161,000,000 33,446,000,000 29,830,000,000 29,989,000,000 29,181,000,000 30,284,000,000 28,688,000,000 27,630,000,000 25,303,000,000 24,122,000,000 23,296,000,000 22,726,000,000 22,821,000,000 23,099,000,000 21,764,000,000 20,308,000,000 18,926,000,000 17,701,000,000 18,197,000,000 18,180,000,000     
        held-to-maturity securities
      		4,433,000,000 4,561,000,000 4,668,000,000 4,346,000,000 4,441,000,000 4,548,000,000 4,655,000,000 4,680,000,000 1,013,000,000 1,030,000,000 1,047,000,000 1,062,000,000 1,084,000,000 1,112,000,000 1,159,000,000 1,170,000,000 1,150,000,000 1,126,000,000 1,197,000,000 1,253,000,000 1,255,000,000 1,497,000,000 1,568,000,000 2,461,000,000 2,387,000,000 2,362,000,000 2,246,000,000 2,089,000,000 1,967,000,000 1,899,000,000 1,839,000,000 1,189,000,000 1,104,000,000 839,000,000 649,000,000 571,000,000 118,000,000     
        loans held-for-sale
      		179,000,000 185,000,000 209,000,000 160,000,000 306,000,000 316,000,000 358,000,000 400,000,000 289,000,000 297,000,000 524,000,000 654,000,000 808,000,000 798,000,000 471,000,000 549,000,000 456,000,000 409,000,000 630,000,000 406,000,000 441,000,000 235,000,000 158,000,000 275,000,000 107,000,000 314,000,000 425,000,000 328,000,000 126,000,000 108,000,000 18,000,000 17,000,000 1,000,000  56,000,000 15,000,000 39,000,000 105,000,000 37,000,000 1,438,000,000  
        finance receivables and loans
      		                                         
        finance receivables and loans, net of unearned income
      		134,567,000,000 133,229,000,000 133,485,000,000 136,030,000,000 137,501,000,000 138,783,000,000 137,960,000,000 139,439,000,000 140,260,000,000 138,449,000,000 136,304,000,000 135,748,000,000 132,456,000,000 128,457,000,000 125,365,000,000 122,268,000,000 114,471,000,000 112,217,000,000 113,076,000,000 118,534,000,000 118,028,000,000 128,139,000,000 128,231,000,000 129,210,000,000 130,055,000,000 129,926,000,000 126,605,000,000 125,544,000,000 125,327,000,000 122,893,000,000 118,871,000,000 120,528,000,000 119,002,000,000 118,944,000,000 114,959,000,000 112,653,000,000 110,876,000,000 111,600,000,000 107,991,000,000 105,173,000,000 99,857,000,000 
        allowance for loan losses
      		-3,460,000,000 -3,416,000,000 -3,398,000,000 -3,714,000,000 -3,700,000,000 -3,572,000,000 -3,550,000,000 -3,587,000,000 -3,837,000,000 -3,781,000,000 -3,751,000,000 -3,711,000,000 -3,611,000,000 -3,450,000,000 -3,301,000,000 -3,267,000,000 -3,148,000,000 -3,126,000,000 -3,152,000,000 -3,283,000,000 -3,379,000,000 -3,245,000,000 -1,263,000,000 -1,282,000,000 -1,288,000,000 -1,242,000,000 -1,248,000,000 -1,257,000,000 -1,278,000,000 -1,276,000,000 -1,286,000,000 -1,225,000,000 -1,155,000,000 -1,144,000,000 -1,134,000,000 -1,089,000,000 -1,077,000,000 -1,054,000,000 -1,018,000,000 -974,000,000 -933,000,000 
        total finance receivables and loans
      		131,107,000,000 129,813,000,000 130,087,000,000 132,316,000,000 133,801,000,000 135,211,000,000 134,410,000,000 135,852,000,000 136,423,000,000 134,668,000,000 132,553,000,000 132,037,000,000 128,845,000,000 125,007,000,000 122,064,000,000 119,001,000,000 111,323,000,000 109,091,000,000 109,924,000,000 115,251,000,000 114,649,000,000 124,894,000,000 126,968,000,000 127,928,000,000 128,767,000,000 128,684,000,000 125,357,000,000 124,287,000,000 124,049,000,000 121,617,000,000 117,585,000,000 119,303,000,000 117,847,000,000 117,800,000,000 113,825,000,000 111,564,000,000 109,799,000,000 110,546,000,000 106,973,000,000 104,199,000,000 98,924,000,000 
        investment in operating leases
      		8,599,000,000 7,992,000,000 7,879,000,000 7,991,000,000 8,318,000,000 8,374,000,000 8,731,000,000 9,171,000,000 9,569,000,000 9,930,000,000 10,236,000,000 10,444,000,000 10,577,000,000 10,516,000,000 10,730,000,000 10,862,000,000 10,969,000,000 10,715,000,000 9,944,000,000 9,639,000,000 9,454,000,000 9,064,000,000 8,864,000,000 8,407,000,000 8,339,000,000 8,417,000,000 8,578,000,000 8,639,000,000 8,530,000,000 8,741,000,000 8,931,000,000 9,717,000,000 10,461,000,000 11,470,000,000 12,689,000,000 13,755,000,000 14,958,000,000 16,271,000,000 17,292,000,000 17,950,000,000 19,021,000,000 
        premiums receivable and other insurance assets
      		2,903,000,000 2,893,000,000 2,806,000,000 2,790,000,000 2,810,000,000 2,806,000,000 2,750,000,000 2,749,000,000 2,775,000,000 2,768,000,000 2,713,000,000 2,698,000,000 2,719,000,000 2,743,000,000 2,730,000,000 2,724,000,000 2,752,000,000 2,773,000,000 2,725,000,000 2,679,000,000 2,662,000,000 2,576,000,000 2,558,000,000 2,460,000,000 2,401,000,000 2,326,000,000 2,291,000,000 2,247,000,000 2,197,000,000 2,047,000,000 2,054,000,000 2,025,000,000 1,944,000,000 1,905,000,000 1,881,000,000 1,844,000,000 1,828,000,000 1,801,000,000 1,794,000,000 1,759,000,000 1,722,000,000 
        other assets
      		10,695,000,000 10,102,000,000 11,545,000,000 10,660,000,000 9,907,000,000 9,853,000,000 9,348,000,000 9,395,000,000 9,601,000,000 9,153,000,000 9,144,000,000 9,138,000,000 9,343,000,000 8,882,000,000 8,957,000,000 8,057,000,000 7,452,000,000 7,505,000,000 7,167,000,000 6,415,000,000 6,254,000,000 7,978,000,000 6,073,000,000 6,075,000,000 5,993,000,000 6,153,000,000 5,796,000,000 6,014,000,000 6,025,000,000 5,663,000,000 6,063,000,000 5,953,000,000 6,134,000,000 6,854,000,000 6,307,000,000 6,254,000,000 6,582,000,000 6,321,000,000 6,024,000,000 6,126,000,000 6,783,000,000 
        total assets
      		191,711,000,000 189,473,000,000 193,331,000,000 191,836,000,000 192,981,000,000 192,531,000,000 192,877,000,000 196,392,000,000 195,704,000,000 197,241,000,000 196,165,000,000 191,826,000,000 188,640,000,000 185,703,000,000 184,297,000,000 182,114,000,000 179,184,000,000 180,470,000,000 181,879,000,000 182,165,000,000 185,270,000,000 182,527,000,000 180,644,000,000 180,448,000,000 180,117,000,000 178,869,000,000 173,101,000,000 171,345,000,000 170,021,000,000 167,148,000,000 164,013,000,000 164,345,000,000 162,101,000,000 163,728,000,000 157,397,000,000 157,931,000,000 156,505,000,000 158,581,000,000 156,105,000,000 156,472,000,000 153,524,000,000 
        liabilities
      		                                         
        deposit liabilities
      		                                         
        total deposit liabilities
      		148,410,000,000 147,866,000,000 151,428,000,000 151,574,000,000 151,950,000,000 152,154,000,000 155,084,000,000 154,666,000,000 152,835,000,000 154,310,000,000 154,013,000,000 152,297,000,000 145,751,000,000 140,401,000,000 142,475,000,000 141,558,000,000 139,444,000,000 139,104,000,000 139,585,000,000 137,036,000,000 134,938,000,000 122,324,000,000 120,752,000,000 116,325,000,000 113,299,000,000 106,178,000,000 101,379,000,000 98,734,000,000 97,446,000,000 93,256,000,000 90,116,000,000 86,183,000,000 84,486,000,000 79,022,000,000 75,744,000,000 72,802,000,000 70,265,000,000 66,478,000,000 64,041,000,000 61,947,000,000 60,875,000,000 
        short-term borrowings
      		3,879,000,000 3,856,000,000 3,339,000,000 1,625,000,000 1,771,000,000 3,122,000,000  3,297,000,000 2,410,000,000 2,194,000,000 1,455,000,000 2,399,000,000 7,200,000,000 7,775,000,000 3,950,000,000     2,136,000,000 3,032,000,000 9,493,000,000 5,531,000,000 6,519,000,000 6,115,000,000 9,987,000,000 7,338,000,000 7,108,000,000 9,564,000,000 11,413,000,000 10,175,000,000 10,712,000,000 8,371,000,000 12,673,000,000 6,434,000,000 5,994,000,000 5,365,000,000 8,101,000,000 5,378,000,000 10,013,000,000 6,447,000,000 
        long-term debt
      		16,749,000,000 15,876,000,000 16,465,000,000 17,495,000,000 16,807,000,000 15,979,000,000 17,011,000,000 17,570,000,000 20,096,000,000 20,141,000,000 20,480,000,000 17,762,000,000 16,628,000,000 16,984,000,000 15,885,000,000 17,029,000,000 14,946,000,000 16,896,000,000 20,503,000,000 22,006,000,000 25,704,000,000 31,066,000,000 34,027,000,000 37,466,000,000 41,490,000,000 44,193,000,000 45,542,000,000 47,328,000,000 45,076,000,000 44,226,000,000 45,122,000,000 49,145,000,000 51,061,000,000 54,128,000,000 56,836,000,000 61,040,000,000 62,044,000,000 66,234,000,000 67,461,000,000 65,852,000,000 65,760,000,000 
        interest payable
      		1,097,000,000 912,000,000 954,000,000 890,000,000 1,425,000,000 1,148,000,000 1,118,000,000 858,000,000 1,437,000,000 955,000,000 759,000,000 408,000,000 484,000,000 270,000,000 302,000,000 210,000,000 422,000,000 365,000,000 453,000,000 412,000,000 748,000,000 710,000,000 641,000,000 744,000,000 696,000,000 523,000,000 712,000,000 568,000,000 494,000,000 375,000,000 552,000,000 399,000,000 382,000,000 351,000,000 462,000,000 427,000,000 374,000,000 350,000,000 437,000,000 418,000,000 440,000,000 
        unearned insurance premiums and service revenue
      		3,648,000,000 3,627,000,000 3,563,000,000 3,535,000,000 3,534,000,000 3,496,000,000 3,480,000,000 3,492,000,000 3,494,000,000 3,478,000,000 3,455,000,000 3,453,000,000 3,468,000,000 3,490,000,000 3,500,000,000 3,514,000,000 3,537,000,000 3,536,000,000 3,487,000,000 3,438,000,000 3,401,000,000 3,305,000,000 3,305,000,000 3,171,000,000 3,096,000,000 3,044,000,000 3,020,000,000 2,957,000,000 2,904,000,000 2,604,000,000 2,583,000,000 2,541,000,000 2,514,000,000 2,500,000,000 2,493,000,000 2,465,000,000 2,449,000,000 2,434,000,000 2,438,000,000 2,417,000,000 2,374,000,000 
        accrued expenses and other liabilities
      		2,811,000,000 2,789,000,000 3,315,000,000 2,814,000,000 2,769,000,000 2,781,000,000 2,527,000,000 2,726,000,000 2,607,000,000 2,631,000,000 2,625,000,000 2,648,000,000 2,675,000,000 2,799,000,000 2,772,000,000 2,753,000,000 3,546,000,000 3,039,000,000 3,226,000,000 2,434,000,000 3,321,000,000 2,110,000,000 1,972,000,000 1,907,000,000 1,722,000,000 1,676,000,000 2,025,000,000 1,511,000,000 1,455,000,000 1,780,000,000 1,892,000,000 1,892,000,000 1,922,000,000 1,737,000,000 1,798,000,000 1,592,000,000 2,185,000,000 1,545,000,000 1,751,000,000 1,530,000,000 1,694,000,000 
        total liabilities
      		176,594,000,000 174,926,000,000 179,099,000,000 177,933,000,000 178,256,000,000 178,680,000,000 179,220,000,000 182,626,000,000 182,879,000,000 183,709,000,000 182,787,000,000 178,967,000,000 176,206,000,000 171,719,000,000 168,884,000,000 165,064,000,000 161,895,000,000 162,940,000,000 167,254,000,000 167,462,000,000 171,144,000,000 169,008,000,000 166,228,000,000 166,132,000,000 166,418,000,000 165,601,000,000 160,016,000,000 158,206,000,000 156,939,000,000 153,654,000,000 150,440,000,000 150,872,000,000 148,736,000,000 150,411,000,000 143,767,000,000 144,320,000,000 142,682,000,000 145,142,000,000 141,506,000,000 142,177,000,000 137,590,000,000 
        contingencies
      		                                         
        equity
      		                                         
        common shares, ...
      		22,255,000,000 22,235,000,000 22,191,000,000 22,142,000,000 22,101,000,000 22,077,000,000 22,034,000,000 21,975,000,000 21,936,000,000 21,915,000,000 21,880,000,000 21,816,000,000 21,781,000,000 21,762,000,000 21,728,000,000 21,671,000,000 21,644,000,000 21,631,000,000 21,566,000,000 21,544,000,000 21,517,000,000 21,470,000,000 21,438,000,000 21,403,000,000 21,379,000,000 21,345,000,000 21,322,000,000 21,303,000,000 21,273,000,000 21,245,000,000 21,223,000,000 21,208,000,000 21,187,000,000 21,166,000,000 21,149,000,000 21,136,000,000 21,117,000,000 21,100,000,000 21,082,000,000 21,069,000,000 21,048,000,000 
        preferred stock
      		2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000 2,324,000,000                   696,000,000 696,000,000 813,000,000 813,000,000 1,255,000,000 
        retained earnings
      		427,000,000 151,000,000  270,000,000 595,000,000 360,000,000 188,000,000 154,000,000 197,000,000 23,000,000                                
        accumulated other comprehensive loss
      		-2,944,000,000 -3,219,000,000 -3,262,000,000 -3,924,000,000 -3,393,000,000 -4,009,000,000 -3,989,000,000 -3,816,000,000 -4,765,000,000 -3,863,000,000 -3,776,000,000 -4,059,000,000 -4,340,000,000 -3,009,000,000 -1,791,000,000          -225,000,000 -539,000,000 -781,000,000 -648,000,000 -578,000,000 -235,000,000 -197,000,000 -245,000,000 -321,000,000 -341,000,000   -85,000,000 -231,000,000 -122,000,000 -183,000,000 -35,000,000 
        treasury stock
      		-6,945,000,000 -6,944,000,000 -6,943,000,000 -6,909,000,000 -6,902,000,000 -6,901,000,000 -6,900,000,000 -6,871,000,000 -6,867,000,000 -6,867,000,000 -6,865,000,000 -6,838,000,000 -6,787,000,000 -6,372,000,000 -5,772,000,000 -5,188,000,000 -4,594,000,000 -3,915,000,000 -3,413,000,000 -3,194,000,000 -3,193,000,000 -3,192,000,000 -3,088,000,000 -2,489,000,000 -2,260,000,000 -2,049,000,000 -1,740,000,000 -1,490,000,000 -1,295,000,000 -1,110,000,000 -920,000,000 -730,000,000 -526,000,000 -357,000,000 -189,000,000 -30,000,000 -30,000,000 -16,000,000 -16,000,000 -16,000,000 -15,000,000 
        total equity
      		15,117,000,000 14,547,000,000 14,232,000,000 13,903,000,000 14,725,000,000 13,851,000,000 13,657,000,000 13,766,000,000 12,825,000,000 13,532,000,000 13,378,000,000 12,859,000,000 12,434,000,000 13,984,000,000 15,413,000,000 17,050,000,000 17,289,000,000 17,530,000,000 14,625,000,000 14,703,000,000 14,126,000,000 13,519,000,000 14,416,000,000 14,316,000,000 13,699,000,000 13,268,000,000 13,085,000,000 13,139,000,000 13,082,000,000 13,494,000,000 13,573,000,000 13,473,000,000 13,365,000,000 13,317,000,000 13,630,000,000 13,611,000,000 13,823,000,000 13,439,000,000 14,599,000,000 14,295,000,000 15,934,000,000 
        total liabilities and equity
      		191,711,000,000 189,473,000,000 193,331,000,000 191,836,000,000 192,981,000,000 192,531,000,000 192,877,000,000 196,392,000,000 195,704,000,000 197,241,000,000 196,165,000,000 191,826,000,000 188,640,000,000 185,703,000,000 184,297,000,000 182,114,000,000 179,184,000,000 180,470,000,000 181,879,000,000 182,165,000,000 185,270,000,000 182,527,000,000 180,644,000,000 180,448,000,000 180,117,000,000 178,869,000,000 173,101,000,000 171,345,000,000 170,021,000,000 167,148,000,000 164,013,000,000 164,345,000,000 162,101,000,000 163,728,000,000 157,397,000,000 157,931,000,000 156,505,000,000 158,581,000,000 156,105,000,000 156,472,000,000 153,524,000,000 
        assets of operations held-for-sale
      		  2,440,000,000     1,975,000,000                                  
        liabilities of operations held-for-sale
      		  35,000,000     17,000,000                                  
        (accumulated deficit) retained earnings
      		  -78,000,000                                       
        commitments and contingencies
      		                                         
        accumulated deficit
      		          -185,000,000 -384,000,000 -544,000,000 -721,000,000 -1,076,000,000 -1,599,000,000 -2,136,000,000 -2,726,000,000 -3,555,000,000 -4,278,000,000 -4,893,000,000 -5,465,000,000 -4,057,000,000 -4,682,000,000 -5,195,000,000 -5,489,000,000 -5,716,000,000 -6,026,000,000 -6,318,000,000 -6,406,000,000 -6,533,000,000 -6,760,000,000 -6,975,000,000 -7,151,000,000 -7,361,000,000 -7,530,000,000 -7,875,000,000 -8,110,000,000 -7,158,000,000 -7,388,000,000 -6,319,000,000 
        accumulated other comprehensive income
      		               -158,000,000 51,000,000 216,000,000 27,000,000 631,000,000 695,000,000 706,000,000 123,000,000 84,000,000           31,000,000 35,000,000      
        december 31,
      		                         2,018,000,000    2,017,000,000    2,016,000,000    2,015,000,000    
        investment securities
      		                                     17,157,000,000 18,758,000,000 19,142,000,000 17,829,000,000 
        federal funds sold and securities purchased under resale agreements
      		                                        50,000,000 
        loans held-for-sale, net of unearned income
      		                                        1,559,000,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-03-31 2019-06-30 2019-03-31 2018-09-30 2017-12-31 2017-09-30 2017-06-30 2017-03-31 2016-12-31 2016-09-30 2016-06-30 2016-03-31 2015-12-31 2015-09-30 2015-06-30 2015-03-31 
                                            
          operating activities
        		                                    
          net income
        		398,000,000 352,000,000 -225,000,000  357,000,000 294,000,000 157,000,000 76,000,000 296,000,000 329,000,000 319,000,000 278,000,000 299,000,000 482,000,000 655,000,000 652,000,000 712,000,000 900,000,000 796,000,000 687,000,000 -319,000,000 582,000,000 374,000,000 374,000,000 181,000,000 282,000,000 252,000,000 214,000,000 248,000,000 209,000,000 360,000,000 250,000,000 263,000,000 268,000,000 182,000,000 576,000,000 
          reconciliation of net income to net cash from operating activities
        		                                    
          depreciation and amortization
        		338,000,000 329,000,000 361,000,000  314,000,000 294,000,000 322,000,000 324,000,000 310,000,000 296,000,000 317,000,000 327,000,000 334,000,000 327,000,000 339,000,000 330,000,000 291,000,000 267,000,000 373,000,000 391,000,000 386,000,000 383,000,000 369,000,000 415,000,000 425,000,000 431,000,000 469,000,000 534,000,000 575,000,000 566,000,000 588,000,000 653,000,000  664,000,000 707,000,000 759,000,000 
          goodwill impairment
        		0 0 305,000,000                 0                 
          provision for credit losses
        		                                    
          loss on mortgage and automotive loans
        		                                    
          other loss on investments
        		                                    
          originations and purchases of loans held-for-sale
        		-480,000,000 -422,000,000 -490,000,000  -339,000,000 -376,000,000 -698,000,000 -493,000,000 -586,000,000 -483,000,000 -844,000,000 -513,000,000 -910,000,000 -1,129,000,000 -1,355,000,000 -1,119,000,000 -982,000,000 -979,000,000 -1,175,000,000 -958,000,000 -366,000,000 -394,000,000 -134,000,000 -159,000,000 -162,000,000 -50,000,000 -181,000,000 -21,000,000 0 -97,000,000 0 -44,000,000  -66,000,000 -287,000,000 -1,241,000,000 
          proceeds from sales and repayments of loans held-for-sale
        		461,000,000 501,000,000 543,000,000  551,000,000 666,000,000 645,000,000 528,000,000 623,000,000 592,000,000 1,068,000,000 656,000,000 841,000,000 812,000,000 1,465,000,000 921,000,000 956,000,000 1,093,000,000 1,137,000,000 1,054,000,000 300,000,000 224,000,000 111,000,000 318,000,000             
          net change in
        		                                    
          deferred income taxes
        		-117,000,000 -71,000,000 -178,000,000  -157,000,000 -43,000,000 -1,000,000 4,000,000 -115,000,000 29,000,000 24,000,000 106,000,000 116,000,000 148,000,000 183,000,000 678,000,000 117,000,000 -656,000,000 -19,000,000 120,000,000 -87,000,000 -99,000,000 100,000,000 80,000,000 245,000,000 86,000,000 112,000,000 91,000,000 136,000,000 129,000,000 46,000,000 147,000,000 159,000,000 148,000,000 93,000,000 165,000,000 
          interest payable
        		185,000,000 -42,000,000 64,000,000  277,000,000 30,000,000 260,000,000 -579,000,000 482,000,000 196,000,000 351,000,000 -76,000,000 214,000,000 -32,000,000 92,000,000 -214,000,000 58,000,000 -89,000,000 41,000,000 -336,000,000 69,000,000 48,000,000 173,000,000 145,000,000 -178,000,000 154,000,000 17,000,000 31,000,000 -111,000,000 36,000,000 52,000,000 24,000,000 -87,000,000 19,000,000 -22,000,000 -37,000,000 
          other assets
        		-74,000,000 -25,000,000 -128,000,000  -365,000,000 42,000,000 142,000,000 -446,000,000 -1,000,000 73,000,000 -43,000,000 -163,000,000 208,000,000 698,000,000 214,000,000 -321,000,000 17,000,000 -76,000,000 78,000,000 211,000,000 44,000,000 19,000,000 -40,000,000 -111,000,000 -96,000,000 37,000,000 -154,000,000 60,000,000 -136,000,000 -1,000,000 -29,000,000 46,000,000 -2,000,000 -4,000,000 136,000,000 396,000,000 
          other liabilities
        		125,000,000 22,000,000 -137,000,000  -245,000,000 153,000,000 -38,000,000 -143,000,000 94,000,000 166,000,000 -208,000,000 -15,000,000 -69,000,000 103,000,000 -122,000,000 -63,000,000 188,000,000 126,000,000 105,000,000 62,000,000 -290,000,000 -151,000,000 37,000,000 15,000,000 -50,000,000 31,000,000 -30,000,000 -20,000,000 -141,000,000 -10,000,000 67,000,000 -122,000,000 -35,000,000 5,000,000 -125,000,000 -92,000,000 
          other
        		4,000,000 -24,000,000 136,000,000 -198,000,000 34,000,000 57,000,000 80,000,000 64,000,000 12,000,000 -6,000,000 80,000,000 160,000,000 87,000,000 -2,000,000 22,000,000 -38,000,000 18,000,000 -91,000,000 5,000,000 -41,000,000 83,000,000 15,000,000 -73,000,000 64,000,000 4,000,000 3,000,000 32,000,000 35,000,000 130,000,000 89,000,000 -20,000,000 -39,000,000 76,000,000 -114,000,000 191,000,000 -165,000,000 
          net cash from operating activities
        		1,202,000,000 947,000,000 940,000,000 -3,397,000,000 992,000,000 1,575,000,000 1,341,000,000 -17,000,000 1,660,000,000 1,588,000,000 1,432,000,000 1,173,000,000 1,602,000,000 1,831,000,000 1,641,000,000 959,000,000 1,461,000,000 452,000,000 1,170,000,000 1,135,000,000 814,000,000 763,000,000 1,081,000,000 1,335,000,000 706,000,000 1,303,000,000 895,000,000 1,175,000,000 978,000,000 1,167,000,000 1,234,000,000 1,188,000,000 1,141,000,000 2,211,000,000 1,496,000,000 247,000,000 
          capital expenditures
        		0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 
          free cash flows
        		1,202,000,000 947,000,000 940,000,000 -3,397,000,000 992,000,000 1,575,000,000 1,341,000,000 -17,000,000 1,660,000,000 1,588,000,000 1,432,000,000 1,173,000,000 1,602,000,000 1,831,000,000 1,641,000,000 959,000,000 1,461,000,000 452,000,000 1,170,000,000 1,135,000,000 814,000,000 763,000,000 1,081,000,000 1,335,000,000 706,000,000 1,303,000,000 895,000,000 1,175,000,000 978,000,000 1,167,000,000 1,234,000,000 1,188,000,000 1,141,000,000 2,211,000,000 1,496,000,000 247,000,000 
          investing activities
        		                                    
          purchases of equity securities
        		-216,000,000 -201,000,000 -196,000,000  -173,000,000 -271,000,000 -186,000,000 -82,000,000 -155,000,000 -57,000,000 -45,000,000 -24,000,000 -16,000,000 -150,000,000 -349,000,000 -229,000,000 -393,000,000 -252,000,000 -472,000,000 -403,000,000 -625,000,000 -162,000,000 -48,000,000 -152,000,000             
          proceeds from sales of equity securities
        		359,000,000 254,000,000 122,000,000  221,000,000 200,000,000 259,000,000 61,000,000 168,000,000 40,000,000 87,000,000 38,000,000 88,000,000 172,000,000 548,000,000 228,000,000 336,000,000 355,000,000 589,000,000 151,000,000 117,000,000 128,000,000 383,000,000 180,000,000             
          purchases of available-for-sale securities
        		-477,000,000 -844,000,000 -3,649,000,000  -216,000,000 -98,000,000 -148,000,000 -130,000,000 -103,000,000 -133,000,000 -152,000,000 -377,000,000 -851,000,000 -1,533,000,000 -3,962,000,000 -4,346,000,000 -2,835,000,000 -4,260,000,000 -10,116,000,000 -5,364,000,000 -4,565,000,000 -3,617,000,000 -3,401,000,000 -1,575,000,000 -2,212,000,000 -3,169,000,000 -3,020,000,000 -2,833,000,000 -5,004,000,000 -2,370,000,000 -3,787,000,000 -4,870,000,000 -2,239,000,000 -1,846,000,000 -4,142,000,000 -4,023,000,000 
          proceeds from sales of available-for-sale securities
        		59,000,000 1,488,000,000 2,669,000,000  71,000,000 17,000,000 46,000,000 0 4,000,000 26,000,000 307,000,000 52,000,000 52,000,000 242,000,000 474,000,000 875,000,000 2,082,000,000 461,000,000 2,327,000,000 213,000,000 3,817,000,000 1,912,000,000 656,000,000 247,000,000 1,707,000,000 764,000,000 1,117,000,000 1,045,000,000 2,490,000,000 1,962,000,000 2,409,000,000 4,175,000,000 2,466,000,000 1,543,000,000 1,342,000,000 1,523,000,000 
          proceeds from repayments of available-for-sale securities
        		459,000,000 514,000,000 440,000,000  552,000,000 506,000,000 392,000,000 426,000,000 607,000,000 547,000,000 477,000,000 556,000,000 1,045,000,000 1,167,000,000 1,508,000,000 1,999,000,000 2,186,000,000 2,927,000,000 3,612,000,000 4,057,000,000 1,623,000,000 1,111,000,000 694,000,000 888,000,000             
          purchases of held-to-maturity securities
        		0 -164,000,000 -248,000,000         0 0   -91,000,000 -104,000,000 -34,000,000 -63,000,000   -137,000,000 -131,000,000 -120,000,000 -317,000,000 -396,000,000 -98,000,000 -215,000,000 -191,000,000 -79,000,000 -453,000,000 -118,000,000     
          proceeds from repayments of held-to-maturity securities
        		150,000,000 129,000,000 109,000,000  131,000,000 129,000,000 100,000,000 74,000,000 17,000,000 17,000,000 15,000,000 21,000,000 28,000,000 46,000,000 59,000,000 69,000,000 80,000,000 105,000,000 118,000,000 151,000,000 70,000,000 63,000,000 44,000,000 35,000,000             
          purchases of finance receivables and loans held-for-investment
        		-1,388,000,000 -1,349,000,000 -843,000,000  -894,000,000 -662,000,000 -1,056,000,000 -1,032,000,000 -1,166,000,000 -1,217,000,000 -818,000,000 -805,000,000 -2,522,000,000 -2,474,000,000 -1,364,000,000 -1,290,000,000 -1,966,000,000 -2,570,000,000 -930,000,000 -1,832,000,000 -925,000,000 -934,000,000 -1,452,000,000 -2,167,000,000 -2,327,000,000 -1,308,000,000           
          proceeds from sales of finance receivables and loans initially held-for-investment
        		54,000,000 0 5,000,000 -1,184,000,000 123,000,000 7,000,000 1,060,000,000 233,000,000 16,000,000 5,000,000 4,000,000 43,000,000 9,000,000 2,000,000 1,000,000 0 0 212,000,000 164,000,000 384,000,000 1,000,000 2,000,000 157,000,000              
          originations and repayments of finance receivables and loans initially held-for-investment and other
        		-395,000,000 1,164,000,000 537,000,000                                  
          purchases of operating lease assets
        		-1,484,000,000 -1,081,000,000 -819,000,000  -934,000,000 -900,000,000 -709,000,000 -585,000,000 -673,000,000 -760,000,000 -741,000,000 -692,000,000 -1,041,000,000 -853,000,000 -946,000,000 -889,000,000 -1,205,000,000 -1,757,000,000 -1,269,000,000 -1,094,000,000 -1,138,000,000 -977,000,000 -792,000,000 -884,000,000 -1,208,000,000 -879,000,000 -1,072,000,000 -893,000,000 -914,000,000 -888,000,000 -771,000,000 -701,000,000 -1,262,000,000 -1,075,000,000 -901,000,000 -1,447,000,000 
          disposals of operating lease assets
        		655,000,000 772,000,000 681,000,000  814,000,000 1,079,000,000 889,000,000 738,000,000 804,000,000 874,000,000 706,000,000 574,000,000 733,000,000 851,000,000 865,000,000 820,000,000 843,000,000 995,000,000 780,000,000 735,000,000 568,000,000 697,000,000 624,000,000 698,000,000 1,158,000,000 1,366,000,000 1,498,000,000 1,545,000,000 1,673,000,000 1,584,000,000 1,512,000,000 1,535,000,000 1,691,000,000 1,146,000,000 1,372,000,000 1,337,000,000 
          proceeds from sale of operation or business unit
        		0                                    
          net change in nonmarketable equity investments
        		-35,000,000 -38,000,000 2,000,000  7,000,000 -64,000,000 141,000,000 -28,000,000 -6,000,000 -37,000,000 -2,000,000 288,000,000 -15,000,000 -130,000,000 -116,000,000 -48,000,000 11,000,000 64,000,000 29,000,000 112,000,000 -92,000,000 -58,000,000 171,000,000 43,000,000 -167,000,000 -127,000,000 -106,000,000 213,000,000 -227,000,000 -47,000,000 -39,000,000 -315,000,000     
          net cash from investing activities
        		-2,381,000,000 2,909,000,000 -1,341,000,000 -3,619,000,000 1,060,000,000 -1,107,000,000 3,501,000,000 -3,073,000,000 -1,735,000,000 -2,098,000,000 -382,000,000 -3,355,000,000 -4,473,000,000 -3,750,000,000 -5,685,000,000 -9,523,000,000 -1,484,000,000 -543,000,000 452,000,000 -2,578,000,000 -325,000,000 -466,000,000 -2,041,000,000 -2,729,000,000 -5,058,000,000 -353,000,000 -2,653,000,000 -663,000,000 -5,903,000,000 -1,522,000,000 -1,910,000,000 651,000,000 -2,728,000,000 -1,827,000,000 -5,997,000,000 805,000,000 
          statement continues on the next page.
        		                                    
          the notes to the condensed consolidated financial statements (unaudited) are an integral part of these statements.
        		                                    
          nine months ended september 30,
        		                                    
          financing activities
        		                                    
          net change in short-term borrowings
        		23,000,000 517,000,000 1,714,000,000  -1,351,000,000 3,122,000,000 -3,297,000,000 887,000,000 216,000,000 739,000,000 -944,000,000 -4,801,000,000 -575,000,000 3,825,000,000 3,950,000,000 0 0 0 -2,136,000,000  3,963,000,000 404,000,000 -3,872,000,000 231,000,000 1,237,000,000 -538,000,000 2,341,000,000 -4,303,000,000 6,237,000,000 439,000,000 627,000,000 -2,739,000,000 2,720,000,000 -4,637,000,000 3,563,000,000 -618,000,000 
          net decrease in deposits
        		527,000,000                                    
          proceeds from issuance of long-term debt
        		1,618,000,000 929,000,000 24,000,000 -816,000,000 2,317,000,000 426,000,000 123,000,000 812,000,000 842,000,000 922,000,000 3,129,000,000 2,258,000,000 651,000,000 3,157,000,000 1,059,000,000 2,744,000,000 59,000,000 138,000,000 56,000,000  788,000,000 2,824,000,000 1,766,000,000 1,816,000,000 4,667,000,000 3,972,000,000 4,842,000,000 4,488,000,000 2,926,000,000 2,209,000,000 4,776,000,000 4,244,000,000 6,821,000,000 6,037,000,000 8,987,000,000 8,820,000,000 
          repayments of long-term debt
        		-767,000,000 -1,538,000,000 -1,074,000,000 2,201,000,000 -1,508,000,000 -1,476,000,000 -699,000,000 -1,986,000,000 -905,000,000 -1,278,000,000 -426,000,000 -1,150,000,000 -1,022,000,000 -2,070,000,000 -2,222,000,000 -1,256,000,000 -1,012,000,000 -2,460,000,000 -1,340,000,000  -3,939,000,000 -6,882,000,000 -4,490,000,000 -3,194,000,000 -5,532,000,000 -8,010,000,000 -6,793,000,000 -7,573,000,000 -5,654,000,000 -6,453,000,000 -5,815,000,000 -8,490,000,000 -7,896,000,000 -4,470,000,000 -9,206,000,000 -9,778,000,000 
          repurchases of common stock
        		-1,000,000 -1,000,000 -34,000,000  -1,000,000 -1,000,000 -29,000,000 -4,000,000 0 -2,000,000 -27,000,000 -51,000,000 -415,000,000 -600,000,000 -584,000,000 -594,000,000 -679,000,000 -502,000,000 -219,000,000         -169,000,000         
          common stock dividends paid
        		-93,000,000 -92,000,000 -100,000,000 -92,000,000 -92,000,000 -91,000,000 -97,000,000 -91,000,000 -90,000,000 -91,000,000 -96,000,000 -86,000,000 -95,000,000 -99,000,000 -104,000,000 -87,000,000                     
          preferred stock dividends paid
        		-27,000,000 -28,000,000 -28,000,000 -27,000,000 -27,000,000 -28,000,000 -28,000,000 -27,000,000 -27,000,000 -28,000,000 -28,000,000 -27,000,000 -27,000,000 -28,000,000 -28,000,000 -28,000,000                     
          net cash from financing activities
        		1,280,000,000 -3,775,000,000 438,000,000 5,816,000,000 -874,000,000 -982,000,000 -3,638,000,000 1,408,000,000 -1,442,000,000 550,000,000 3,323,000,000 2,680,000,000 3,842,000,000 2,066,000,000 2,987,000,000 2,695,000,000 -2,880,000,000 -2,496,000,000 -1,167,000,000  2,201,000,000 -933,000,000 237,000,000 1,161,000,000 3,250,000,000 -904,000,000 1,831,000,000 -2,144,000,000 6,571,000,000 -1,086,000,000 1,405,000,000 -3,220,000,000 2,741,000,000 -1,013,000,000 2,723,000,000 1,009,000,000 
          effect of exchange-rate changes on cash and cash equivalents and restricted cash
        		-5,000,000    2,000,000 -2,000,000 -3,000,000     2,000,000 -8,000,000 -3,000,000 2,000,000   1,000,000 2,000,000  -4,000,000 2,000,000 1,000,000 1,000,000             
          net increase in cash and cash equivalents and restricted cash
        		96,000,000 91,000,000 37,000,000 -1,197,000,000 1,180,000,000 -516,000,000 1,201,000,000 -1,679,000,000 -1,520,000,000 43,000,000 4,373,000,000    -1,055,000,000 -5,869,000,000 -2,906,000,000 -2,586,000,000 457,000,000  2,686,000,000                
          cash and cash equivalents and restricted cash at beginning of year
        		0 0 11,380,000,000 -3,495,000,000 0 0 7,439,000,000 0 0 0 6,222,000,000 0 0 0 5,670,000,000 0 0 0 16,574,000,000  4,380,000,000 0 5,626,000,000 0             
          cash and cash equivalents and restricted cash at september 30,
        		                                    
          supplemental disclosures
        		                                    
          cash paid for
        		                                    
          interest
        		1,370,000,000 1,615,000,000 1,587,000,000  1,588,000,000 1,814,000,000 1,641,000,000 2,462,000,000 1,347,000,000 1,463,000,000 1,085,000,000 1,241,000,000 570,000,000 480,000,000 292,000,000 611,000,000 365,000,000 565,000,000 492,000,000  869,000,000 1,022,000,000 862,000,000 787,000,000 919,000,000 579,000,000 683,000,000 648,000,000 787,000,000 626,000,000 608,000,000 626,000,000 807,000,000 575,000,000 609,000,000 641,000,000 
          income taxes
        		53,000,000 95,000,000 13,000,000  49,000,000 38,000,000 7,000,000 15,000,000 29,000,000 79,000,000 -150,000,000 2,000,000 2,000,000 -450,000,000 21,000,000 57,000,000 23,000,000 1,208,000,000 4,000,000  2,000,000 12,000,000 12,000,000 4,000,000 19,000,000 4,000,000 26,000,000 2,000,000 3,000,000 4,000,000   1,000,000 -2,000,000 2,000,000 95,000,000 
          noncash items
        		                                    
          held-to-maturity securities received in consideration for loans sold
        		    0 0 56,000,000                  0 0 0 56,000,000         
          loans held-for-sale transferred to finance receivables and loans held-for-investment
        		0    10,000,000 17,000,000 1,000,000 0 0 133,000,000 75,000,000 28,000,000 67,000,000 0 25,000,000 131,000,000 0 1,000,000 4,000,000  11,000,000 62,000,000 63,000,000              
          finance receivables and loans held-for-investment transferred to loans held-for-sale
        		13,000,000 70,000,000 2,321,000,000  339,000,000 237,000,000 1,153,000,000 3,728,000,000    19,000,000    0 0 85,000,000 329,000,000   0 20,000,000              
          benefit from credit losses
        		 384,000,000 191,000,000  645,000,000 457,000,000 507,000,000 587,000,000 508,000,000 427,000,000 446,000,000 490,000,000 438,000,000 304,000,000 167,000,000 210,000,000 76,000,000 -32,000,000 -13,000,000 102,000,000 903,000,000                
          gain on mortgage and automotive loans
        		 4,000,000 -1,000,000  -6,000,000 -6,000,000 -6,000,000 -3,000,000 -4,000,000 -5,000,000 -4,000,000 -24,000,000 -10,000,000 -4,000,000 -14,000,000 -14,000,000 -18,000,000   -75,000,000 12,000,000 -2,000,000 -10,000,000 -17,000,000 -3,000,000 -15,000,000 -36,000,000 -14,000,000 -7,000,000 0 -3,000,000 -1,000,000  2,000,000 -1,000,000 -46,000,000 
          other gain on investments
        		 -61,000,000 499,000,000  -74,000,000 7,000,000 -29,000,000    -74,000,000 -53,000,000 54,000,000 124,000,000 -5,000,000 -73,000,000 -24,000,000    79,000,000   -22,000,000 -29,000,000 -23,000,000 -23,000,000 -27,000,000 -40,000,000 -52,000,000 -39,000,000 -54,000,000  -6,000,000 -45,000,000 -55,000,000 
          six months ended june 30,
        		                                    
          cash and cash equivalents and restricted cash at june 30,
        		                                    
          proceeds from sale of a business unit or operation
        		                                    
          three months ended march 31,
        		  2,025,000,000    2,024,000,000    2,023,000,000    2,022,000,000    2,021,000,000  2,020,000,000  2,019,000,000     2,017,000,000    2,016,000,000    2,015,000,000 
          net increase in deposits
        		  -64,000,000  -212,000,000 -2,934,000,000 389,000,000 1,817,000,000 -1,478,000,000 288,000,000 1,715,000,000 6,537,000,000 5,325,000,000 -2,075,000,000 916,000,000 2,113,000,000 338,000,000 -485,000,000 2,545,000,000  1,565,000,000 3,019,000,000 7,114,000,000 2,622,000,000 3,122,000,000 3,917,000,000 1,682,000,000 5,451,000,000 3,268,000,000 2,932,000,000 2,528,000,000 3,780,000,000 2,428,000,000 2,095,000,000 1,072,000,000 2,652,000,000 
          cash and cash equivalents and restricted cash at march 31,
        		  11,417,000,000    8,640,000,000    10,595,000,000    4,615,000,000    17,031,000,000  7,066,000,000  4,904,000,000              
          originations and repayments of finance receivables and loans held-for-investment and other
        		   -1,615,000,000 1,479,000,000 -852,000,000 899,000,000 -2,588,000,000 -1,084,000,000 -1,265,000,000 -103,000,000 -2,877,000,000 -1,909,000,000 -901,000,000 -2,240,000,000 -5,773,000,000 -426,000,000 3,312,000,000 5,783,000,000 608,000,000 900,000,000 1,620,000,000 1,149,000,000 80,000,000 -2,084,000,000 2,609,000,000           
          net change in loans — intercompany
        		                                    
          capital contributions to subsidiaries
        		                                    
          returns of contributed capital
        		                                    
          net change in debt — intercompany
        		                                    
          repurchase of common stock
        		                    -104,000,000 -229,000,000 -211,000,000 -250,000,000 -190,000,000 -190,000,000           
          cash and cash equivalents and restricted cash at end of year
        		                                    
          proceeds from sale of a business unit
        		    0 7,000,000 1,949,000,000                              
          cash paid (received) for
        		                                    
          transfer of nonmarketable equity investments to equity securities
        		       0    0                         
          other (gain) loss on investments
        		       -85,000,000 41,000,000          -123,000,000    -108,000,000              
          loss on extinguishment of debt
        		               10,000,000 52,000,000 73,000,000 1,000,000 52,000,000     1,000,000 4,000,000 1,000,000 1,000,000 1,000,000 0 0 4,000,000 3,000,000 0 156,000,000 198,000,000 
          acquisitions, net of cash acquired
        		                            0        
          the notes to the consolidated financial statements are an integral part of these statements.
        		                                    
          year ended december 31,
        		                                    
          purchases of land and buildings in satisfaction of finance lease liabilities
        		           0 0   0                     
          preferred stock issuance
        		               0 -2,000,000                    
          trust preferred securities redemption
        		               -197,000,000 -1,071,000,000                    
          cash and cash equivalents and restricted cash at december 31,
        		                                    
          available-for-sale securities transferred to held-to-maturity securities
        		                                    
          additions of property and equipment
        		               0 0 0 46,000,000                  
          deconsolidation of debt related to loans sold
        		                                    
          transfer of equity-method investments to equity securities
        		           0                         
          in-kind distribution from equity-method investee
        		                                    
          equity consideration received in exchange for restructured loans
        		                                    
          decrease in held-to-maturity securities due to the consolidation of a vie
        		                                    
          increase in held-for-investment loans and other, net, due to the consolidation of a vie
        		                                    
          increase in collateralized borrowings, net, due to the consolidation of a vie
        		                                    
          net decrease (increase) in cash and cash equivalents and restricted cash
        		                                    
          net decrease in cash and cash equivalents and restricted cash
        		                     -634,000,000 -722,000,000 -232,000,000             
          held-to-maturity securities transferred to available-for-sale
        		                                    
          dividends paid
        		                 -71,000,000 -73,000,000  -72,000,000 -69,000,000 -70,000,000 -64,000,000 -54,000,000 -55,000,000 -37,000,000 -38,000,000 -38,000,000       -67,000,000 
          (gain) loss on mortgage and automotive loans
        		                  -36,000,000                  
          increase in held-for-investment loans and other, net due to the consolidation of a vie
        		                                    
          increase in collateralized borrowings, net due to the consolidation of a vie
        		                                    
          benefit from loan losses
        		                     177,000,000 282,000,000 233,000,000 294,000,000 314,000,000 269,000,000 271,000,000 267,000,000 258,000,000 172,000,000 220,000,000 240,000,000 211,000,000 140,000,000 116,000,000 
          other disclosures
        		                                    
          proceeds from repayments of mortgage loans held-for-investment originally designated as held-for-sale
        		                     4,000,000 3,000,000 6,000,000 7,000,000 9,000,000 12,000,000 8,000,000         
          finance receivables and loans transferred to loans held-for-sale
        		                        13,000,000 28,000,000 85,000,000 1,213,000,000 51,000,000 57,000,000 1,575,000,000 2,599,000,000 534,000,000 705,000,000 3,000,000 69,000,000 
          (gain) loss on sale of subsidiaries
        		                                 0   
          proceeds from sale of business unit
        		                                    
          repurchase and redemption of preferred stock
        		                            0 0   -117,000,000 0   
          proceeds from sales and repayments of loans originated as held-for-sale
        		                         49,000,000 167,000,000 20,000,000 56,000,000 40,000,000 40,000,000 104,000,000  1,084,000,000 371,000,000 125,000,000 
          proceeds from maturities and repayments of available-for-sale securities
        		                         772,000,000           
          proceeds from maturities and repayments of held-to-maturity securities
        		                         15,000,000 12,000,000 5,000,000         
          proceeds from sales of finance receivables and loans originated as held-for-investment
        		                         43,000,000 116,000,000 1,164,000,000 64,000,000 65,000,000 1,562,000,000 2,594,000,000     
          net change in restricted cash
        		                         23,000,000 119,000,000 355,000,000 -230,000,000 140,000,000 434,000,000 48,000,000 -225,000,000 40,000,000 570,000,000 -121,000,000 
          effect of exchange-rate changes on cash and cash equivalents
        		                         1,000,000   -1,000,000 -1,000,000 1,000,000 2,000,000 -1,000,000 -2,000,000 0 -1,000,000 
          net decrease in cash and cash equivalents
        		                         47,000,000 75,000,000 -1,632,000,000         
          cash and cash equivalents at beginning of year
        		                         0 0 5,934,000,000 0 0 0 6,380,000,000 0 0 0 5,576,000,000 
          cash and cash equivalents at september 30,
        		                                    
          cash and cash equivalents at june 30,
        		                                    
          proceeds from maturities and repayment of available-for-sale securities
        		                           589,000,000 968,000,000 875,000,000 1,127,000,000 409,000,000 1,114,000,000 949,000,000 1,278,000,000 914,000,000 
          purchases of loans held-for-investment
        		                           -405,000,000         
          originations and repayments of loans held-for-investment and other
        		                           -1,174,000,000         
          cash and cash equivalents at march 31,
        		                           4,302,000,000    5,001,000,000    7,636,000,000 
          impairment and settlement related to residential capital, llc
        		                                    
          net increase in cash and cash equivalents
        		                              730,000,000 -1,379,000,000 1,153,000,000 -631,000,000 -1,778,000,000 2,060,000,000 
          cash and cash equivalents at end of year
        		                                    
          gain on sale of subsidiaries
        		                                   -452,000,000 
          net increase in finance receivables and loans
        		                             -2,655,000,000 -3,567,000,000 -2,086,000,000 -4,670,000,000 -3,704,000,000 -5,426,000,000 -45,000,000 
          proceeds from sales and repayments of mortgage loans held-for-investment originally designated as held-for-sale
        		                             10,000,000 9,000,000 9,000,000 7,000,000 7,000,000 11,000,000 43,000,000 
          acquisitions of subsidiaries, net of cash acquired
        		                                    
          dividends paid on preferred stock
        		                              -15,000,000 -15,000,000  -38,000,000   
          net change in federal funds sold and securities purchased under resale agreements
        		                                   -50,000,000 
          depreciation, amortization and accretion
        		                                    
          changes in fair value of mortgage servicing rights
        		                                    
          gain on sale of loans
        		                                    
          net gain on investment securities
        		                                    
          originations and purchases of loans originated as held-for-sale
        		                                    
          (gain) loss on sale of subsidiaries and joint ventures
        		                                    
          sale of mortgage servicing rights
        		                                    
          proceeds from sale of business units
        		                                0 0 0 1,049,000,000 
          proceeds from issuance of common stock
        		                                    
          repurchase of mandatorily convertible preferred stock held by u.s. department of treasury and elimination of share adjustment right
        		                                    
          adjustment for change in cash and cash equivalents of operations held-for-sale
        		                                    
          proceeds from sales of finance receivables and loans
        		                                 1,083,000,000 5,000,000 1,577,000,000