Company: WFC-PC
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0000072971-25-000253
Chunk: 149

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-10-31
Form: 10-Q
Item: Item 5
Chunk 149
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-89 DPD90+ DPDTotalQuarter endedNine months endedSeptember 30, 2025Commercial and industrial$807 8 29 844 32 133 Commercial real estate2,556 24 190 2,770 72 72 Total commercial$3,363 32 219 3,614 104 205 September 30, 2024Commercial and industrial$789 29 10 828 11 106 Commercial real estate1,885 27 127 2,039 — — Total commercial$2,674 56 137 2,867 11 106 

82Wells Fargo & Company

Table 5.17 presents the outstanding balance of consumer loans modified during the periods presented and the related financial effects of these modifications. Modified loans within the Auto and Other consumer loan classes were insignificant in the third quarter and first nine months of both 2025 and 2024, and accordingly, are excluded from the following tables and disclosures.Loans in a trial payment period are not included in the following loan modification disclosures until the borrower has successfully completed the trial period and the loan modification is formally executed. Residential mortgage loans in a trial payment period totaled $104 million and $113 million at September 30, 2025 and 2024, respectively.Table 5.17:  Consumer Loan Modifications and Financial EffectsQuarter ended September 30,Nine months ended September 30,($ in millions)2025202420252024Residential mortgage modifications (1):Payment delay$253 97 $537 290 Term extension13 11 35 30 Term extension and payment delay37 22 85 74 Interest rate reduction, term extension, and payment delay16 12 41 36 All other modifications and combinations8 9 19 30 Total residential mortgage modifications$327 151 $717 460 Total residential mortgage modifications as a % of loan class0.13 %0.06 0.29 %0.18 Financial effects:Weighted average interest rate reduction1.27 %1.77 1.55 %1.80 Weighted average payments deferred (months) (2)4656Weighted average term extension (years)10.810.711.010.8Credit card modifications:Interest rate reduction$290 289 $742 576 Total credit card modifications$290 289 $742 576