Core Insights - Wells Fargo reported a provision for credit losses of $681 million for Q3, a decrease from over $1 billion in both Q2 2025 and Q3 2024 [1][2] - The reduction in provision for credit losses is attributed to improved credit performance and lower commercial real estate loan balances, although this was partially offset by increases in commercial and industrial, auto, and credit card loan balances [2] - Net charge-offs for Q3 were $954 million, down from $997 million in Q2 and $1.1 billion in Q3 2024 [2]