Company: WFC-PC
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0000072971-25-000253
Chunk: 148

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-10-31
Form: 10-Q
Item: Item 5
Chunk 148
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 concession, which were insignificant in the third quarter and first nine months of both 2025 and 2024.For additional information on our loan modifications to borrowers experiencing financial difficulty, see Note 5 (Loans and Related Allowance for Credit Losses) in our 2024 Form 10-K.Table 5.15 presents the outstanding balance of commercial loans modified during the periods presented and the related financial effects of these modifications. At the time of modification, we may require that the borrower provide additional economic support, such as partial repayment, additional collateral, or guarantees.Table 5.15:  Commercial Loan Modifications and Financial EffectsQuarter ended September 30,Nine months ended September 30,($ in millions)2025202420252024Commercial and industrial modifications:Term extension$378 347 $647 653 All other modifications and combinations30 59 154 148 Total commercial and industrial modifications$408 406 $801 801 Total commercial and industrial modifications as a % of loan class0.10 %0.11 0.19 %0.21 Financial effects:Weighted average term extension (months)10321421Commercial real estate modifications:Term extension$711 1,231 $1,595 1,637 All other modifications and combinations463 135 500 179 Total commercial real estate modifications$1,174 1,366 $2,095 1,816 Total commercial real estate modifications as a % of loan class0.90 %0.97 1.61 %1.28 Financial effects:Weighted average term extension (months)21192124Commercial loans that received a modification in the past 12 months as of September 30, 2025 and 2024, and subsequently defaulted in the third quarter and first nine months of both 2025 and 2024, were insignificant.Table 5.16 provides past due information on commercial loans that received a modification in the past 12 months as of September 30, 2025 and 2024, and the amount of related gross charge-offs during the third quarter and first nine months of both 2025 and 2024. For loan modifications that include a payment deferral, payment performance is not included in the table below until the loan exits the deferral period and payments resume.Table 5.16:  Payment Performance of Commercial Loan ModificationsBy delinquency statusGross charge-offs(in millions)Current-29 DPD30