Company: WFC-PC
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0000072971-25-000201
Chunk: 15

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 1
Chunk 15
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 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)Jun 30,2025Dec 31,2024Commercial and industrial$67,293 62,038 Commercial real estate5,292 5,123 Lease financing519 598 Total non-U.S. commercial loans$73,104 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 June 30,Purchases$207 1 208 68 1 69 Sales and net transfers (to)/from LHFS(1,859)— (1,859)(476)(2)(478)Six months ended June 30,Purchases$586 2 588 298 2 300 Sales and net transfers (to)/from LHFS(2,714)12 (2,702)(898)(68)(966)

72Wells Fargo & Company

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 assets secured by real estate, consumer, or corporate loans, (iii) financing that is expected to be syndicated or replaced with other forms of long-term financing, and (iv) commercial real estate lending. We also originate multipurpose lending commitments under which commercial customers have the option to draw on the facility in one of several forms, including the issuance of letters of credit, which reduces the unfunded commitment amounts of the facility.The maximum credit risk for these commitments will generally be lower than