Company: WFC-PC
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0000072971-25-000253
Chunk: 235

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-10-31
Form: 10-Q
Item: Item 15
Chunk 235
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 certain regulatory capital minimums.Loan and Dividend RestrictionsFederal law restricts the amount and the terms of both credit and non-credit transactions between a bank and its nonbank affiliates. Additionally, federal laws and regulations limit, andregulators can impose additional limitations on, the dividendsthat a national bank may pay.Our nonbank subsidiaries are also limited by certain federal and state statutory provisions and regulations covering the amount of dividends that may be paid in any given year. In addition, we have entered into a Support Agreement dated June 28, 2017, as amended and restated on June 26, 2019, among Wells Fargo & Company, the parent holding company (Parent), WFC Holdings, LLC, an intermediate holding company and subsidiary of the Parent (IHC), the Bank, Wells Fargo Securities, LLC, Wells Fargo Clearing Services, LLC, and certain other subsidiaries of the Parent designated from time to time as material entities for resolution planning purposes or identified from time to time as related support entities in our resolution plan, pursuant to which the IHC may be restricted from making dividend payments to the Parent if certain liquidity and/or capital metrics fall below defined triggers or if the Parent’s board of directors authorizes it to file a case under the U.S. Bankruptcy Code.For additional information on loan and dividend restrictions, see Note 26 (Regulatory Capital Requirements and Other Restrictions) in our 2024 Form 10-K.Cash RestrictionsCash and cash equivalents may be restricted as to usage or withdrawal. Table 22.2 provides a summary of restrictions on cash and cash equivalents.Table 22.2:  Nature of Restrictions on Cash and Cash Equivalents(in millions)Sep 30,2025Dec 31,2024Reserve balance for non-U.S. central banks$210 188 Segregated for benefit of brokerage customers under federal and other brokerage regulations1,209 1,035 

Wells Fargo & Company127

Glossary of AcronymsACLAllowance for credit lossesGSEGovernment-sponsored enterpriseAFSAvailable-for-saleG-SIBGlobal systemically important bankAOCIAccumulated other comprehensive incomeHQLAHigh-quality liquid assetsARMAdjustable-rate mortgageHTMHeld-to-maturityASUAccounting Standards UpdateLCRLiquidity coverage ratioAVMAutomated valuation modelLHFSLoans held for saleBCBSBasel Committee on Banking SupervisionLOCOMLower of cost or fair valueBHCBank holding companyLTVLoan-to-value