Company: WFC-PC
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0000072971-25-000253
Chunk: 15

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-10-31
Form: 10-Q
Item: Item 1
Chunk 15
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In May 2025, the Company announced it entered into an agreement to sell the assets of its rail car leasing business. The related lease financing balances were transferred to loans held for sale.(2)Includes $25.1 billion and $21.4 billion at September 30, 2025, and December 31, 2024, respectively, of securities-based loans originated by the Wealth and Investment Management (WIM) operating segment.Our non-U.S. loans are reported by respective class of financing receivable in the table above. Substantially all of our non-U.S. loan portfolio is commercial loans. Table 5.2 presents total non-U.S. commercial loans outstanding by class of financing receivable.Table 5.2:  Non-U.S. Commercial Loans Outstanding(in millions)Sep 30,2025Dec 31,2024Commercial and industrial$70,324 62,038 Commercial real estate4,933 5,123 Lease financing500 598 Total non-U.S. commercial loans$75,757 67,759 Loan Purchases, Sales, and TransfersTable 5.3 presents the proceeds paid or received for purchases and sales of loans and transfers from loans held for investment to mortgages/loans held for sale. The table excludes loans for which we have elected the fair value option and government insured/guaranteed loans because their loan activity normally does not impact the ACL.Table 5.3:  Loan Purchases, Sales, and Transfers20252024(in millions)CommercialConsumerTotalCommercialConsumerTotalQuarter ended September 30,Purchases$389 3 392 101 1 102 Sales and net transfers (to)/from LHFS(626)(13)(639)(644)2 (642)Nine months ended September 30,Purchases$975 5 980 399 3 402 Sales and net transfers (to)/from LHFS(3,340)(1)(3,341)(1,542)(66)(1,608)

Wells Fargo & Company71

Note 5:  Loans and Related Allowance for Credit Losses (continued)

Unfunded Credit Commitments

Unfunded credit commitments are legally binding agreements to lend to customers with terms covering usage of funds, contractual interest rates, expiration dates, and any required collateral. Our commercial lending commitments include, but are not limited to, (i) commitments for working capital and general corporate purposes, (ii) financing to customers who warehouse financial