The lost interest may range from $1.8 billion to $2 billion in future years, or $181 million to $201 million annually, San Francisco-based Wells Fargo said Tuesday in its quarterly regulatory filing.

As many as 36,000 borrowers may get their interest rates cut, according to the filing. Wells Fargo, the biggest U.S. home lender, had estimated in August that 40,000 might be covered.

The program is part of a $25 billion mortgage settlement in February by five banks with 49 states and the federal government. The accord, the largest federal-state civil settlement in U.S. history, ended a 16-month probe of abusive foreclosure practices.

Elsewhere in the filing, Wells Fargo said its total exposure to the countries and other non-sovereign entities of Europe climbed 6 percent in the third quarter to $30.2 billion. The bank increased loans and commitments to the governments of the euro region, including Austria and Germany, as well as the U.K., to $2.3 billion at the end of September from $2.1 billion in June, the filing showed.

The lender increased its holdings, including debt and equity securities, with non-sovereign entities located in those countries to $27.9 billion, up from $26.4 billion in June.

Wells Fargo shares rose 0.9 percent to close at $34.32 in New York. The shares have climbed 36 percent over the past 12 months, outpacing the 28 percent gain in the 24-company KBW Bank Index.