Company: WFC-PC
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0000072971-25-000253
Chunk: 232

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-10-31
Form: 10-Q
Item: Item 15
Chunk 232
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,372)(1)At September 30, 2025 and 2024, accumulated other comprehensive loss includes unamortized after-tax unrealized losses of $2.8 billion and $3.2 billion, respectively, associated with the transfer of securities from AFS to HTM. These amounts are subsequently amortized into earnings over the same period as the related unamortized premiums and discounts.(2)Substantially all of the amounts for fair value hedges are foreign exchange contracts.(3)Substantially all of the amounts for cash flow hedges are interest rate contracts.

Wells Fargo & Company125

Note 22:  Regulatory Capital Requirements and Other RestrictionsRegulatory Capital RequirementsThe Company and each of its subsidiary banks are subject to regulatory capital adequacy requirements promulgated by federal banking regulators. The FRB establishes capital requirements for the consolidated financial holding company, and the Office of the Comptroller of the Currency (OCC) has similar requirements for the Company’s national banks, including Wells Fargo Bank, N.A. (the Bank).Table 22.1 presents regulatory capital information for the Company and the Bank in accordance with Basel III capital requirements. We must calculate our risk-based capital ratios under both the Standardized and Advanced Approaches. The Standardized Approach applies assigned risk weights to broad risk categories, while the calculation of risk-weighted assets (RWAs) under the Advanced Approach differs by requiring applicable banks to utilize a risk-sensitive methodology, which relies upon the use of internal credit models, and includes an operational risk component.Table 22.1:  Regulatory Capital Information Wells Fargo & Company Wells Fargo Bank, N.A.Standardized ApproachAdvanced ApproachStandardized ApproachAdvanced Approach(in millions, except ratios)Sep 30,2025Dec 31,2024Sep 30,2025Dec 31,2024Sep 30,2025Dec 31,2024Sep 30,2025Dec 31,2024Regulatory capital:Common Equity Tier 1$136,591 134,588 136,591 134,588 150,610 145,651 150,610 145,651 Tier 1152,817 152,866 152,817 152,866 150,610 145,651 150,610 145,651 Total183,784 184,638 173,521 174,446 167,823 167,936 157,651 158,021 Assets