American Express Company(NYSE:AXP) 
American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its pr...
Website: http://www.americanexpress.com
Founded: 1850
Full Time Employees: 77,300 (Dec 2022)
CEO: Stephen Squeri
Sector: Financial Services
Industry: Credit Services
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At a glance:
- Resilient Spend and Fee-Based Revenue Mix: American Express benefits from a premium cardholder base and a business model with meaningful non-interest revenue (discount revenue and card fees), which can support earnings through different rate environments.
- Credit Quality and Loan Loss Provisions Are Key Swing Factors: Net charge-offs, delinquency trends, and management’s provisioning assumptions (especially in consumer and small business portfolios) can materially influence quarterly profitability and investor sentiment.
- Net Interest Income Sensitive to Funding and Deposit Trends: As a lender and payments network, AmEx’s net interest income depends on loan growth, yield dynamics, and funding costs, including how its deposit base and wholesale funding mix evolve.
- Customer Growth and Retention Driven by Rewards Economics: New card acquisitions and retention rely on competitive rewards and marketing, making rewards costs and customer engagement metrics important indicators of sustainable growth.
- Travel and Entertainment Exposure Remains an Upside/Downside Lever: A meaningful portion of spending is tied to travel and entertainment categories, so changes in travel demand and corporate T&E budgets can noticeably affect billed business and discount revenue.
Bull Thesis:
- Premium Customer Base and Brand Loyalty: American Express primarily targets affluent customers who exhibit higher spending patterns and greater resilience during economic fluctuations. This premium segment often values the exclusive benefits, rewards, and customer service offered by Amex, leading to strong brand loyalty and lower churn rates compared to mass-market card issuers.
- Resilient Travel and Entertainment Spending Recovery: Post-pandemic, global travel and entertainment (T&E) spending has shown a robust recovery, directly benefiting Amex's transaction volumes and fee income. As a significant portion of Amex cardmember spending is concentrated in these categories, the continued strong demand for travel and experiences is a key driver for revenue growth.
- Effective Digital Transformation and Fintech Integration: Amex has been actively investing in its digital capabilities, enhancing its mobile app experience, expanding merchant acceptance through partnerships, and integrating fintech solutions. These efforts aim to improve customer engagement, streamline operations, and attract new customer segments while maintaining its premium positioning.
- Strong Capital Returns to Shareholders: American Express has a consistent track record of returning capital to shareholders through a combination of dividends and share buybacks. This commitment to shareholder value, supported by strong free cash flow generation, can provide a floor for the stock price and enhance total shareholder returns over time.
Bear Thesis:
- Economic Slowdown and Credit Risk Exposure: Despite its premium customer base, a significant economic downturn or recession could lead to increased credit defaults and delinquencies within Amex's loan portfolio. A slowdown in discretionary spending would also directly impact transaction volumes and interest income, potentially compressing profit margins.
- Intense Competition and Fee Pressure: The payments industry is highly competitive, with traditional banks, other card networks (Visa, Mastercard), and emerging fintech players vying for market share. This intense competition could put pressure on interchange fees, annual card fees, and merchant discount rates, potentially eroding Amex's profitability.
- Regulatory Scrutiny and Interchange Fee Caps: Globally, there is increasing regulatory scrutiny on interchange fees and payment network practices. Any government-imposed caps or restrictions on these fees, particularly in key markets, could directly impact Amex's revenue model, especially given its closed-loop network advantage.
- Reliance on High-End Spending and Travel Vulnerability: While a strength, Amex's significant reliance on high-end consumer spending and the travel and entertainment sectors makes it vulnerable to shifts in consumer behavior, geopolitical events, or prolonged disruptions (like future pandemics) that could severely impact these specific segments more than broader economic activity.
Main Competitors:
- Visa Inc. ($V) (Payment Network Services), Competes as a global payment network, enabling transactions for a vast array of banks and merchants worldwide. While Amex is both an issuer and network, Visa provides the infrastructure for many banks to issue cards that compete directly with Amex's offerings, particularly in merchant acceptance and global reach.
- JPMorgan Chase & Co. ($JPM) (Credit Card Issuance (e.g., Chase Sapphire, Ink Business)), A leading issuer of credit cards, particularly in the premium travel and small business segments, directly competing with Amex for affluent customers, travel rewards, and business spending through popular card products like the Chase Sapphire Reserve and Ink Business cards.
- Citigroup Inc. ($C) (Credit Card Issuance (e.g., Citi Premier, Costco Anywhere Visa)), A global financial institution that competes in credit card issuance, offering a range of consumer and business cards, including premium travel cards and co-branded cards, vying for market share in spending volume and customer loyalty against Amex.
- PayPal Holdings, Inc. ($PYPL) (Digital Payment Platform, PayPal Credit), Competes in the digital payments landscape, offering online payment processing, peer-to-peer transfers, and credit solutions. While not a direct card network, PayPal's ubiquity in e-commerce and its own credit offerings can reduce reliance on traditional card payments, including Amex, especially for smaller merchants and online transactions.
Moat:
American Express maintains a strong competitive moat primarily through its unique closed-loop network, allowing it to control both the card issuance and payment processing, leading to enhanced data insights and customer experience. Its brand is synonymous with premium service, exclusive rewards, and strong customer loyalty, particularly among affluent consumers and small businesses. However, Amex faces intense competition from traditional banks like JPMorgan Chase and Citigroup, which aggressively compete for premium cardholders with rich rewards programs. It also contends with the broader acceptance and global reach of open-loop networks like Visa and Mastercard. Furthermore, the rise of fintech companies and alternative payment methods (e.g., digital wallets, BNPL) presents an evolving challenge to traditional card-based spending.
Income Statements:
Quarterly
Annual
| Unit: USD | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-09-30 | 2014-06-30 | 2014-03-31 | 2013-12-31 | 2013-09-30 | 2013-06-30 | 2013-03-31 | 2012-09-30 | 2012-06-30 | 2012-03-31 | 2011-09-30 | 2011-06-30 | 2011-03-31 | 2010-09-30 | 2010-06-30 | 2010-03-31 | 2009-09-30 | 2009-06-30 | 2009-03-31 | 2008-09-30 | 2008-06-30 | 2008-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
revenues | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
non-interest revenues | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
discount revenue | 9,512,000,000 | 27,988,000,000 | 9,413,000,000 | 9,361,000,000 | 8,743,000,000 | 9,177,000,000 | 8,780,000,000 | 8,855,000,000 | 8,380,000,000 | 8,580,000,000 | 8,408,000,000 | 8,481,000,000 | 7,947,000,000 | 8,183,000,000 | 7,848,000,000 | 7,873,000,000 | 6,835,000,000 | 7,482,000,000 | 6,676,000,000 | 6,327,000,000 | 5,242,000,000 | 5,549,000,000 | 4,999,000,000 | 4,015,000,000 | 5,838,000,000 | 6,829,000,000 | 6,566,000,000 | 6,577,000,000 | 6,195,000,000 | 6,457,000,000 | 6,181,000,000 | 6,194,000,000 | 5,889,000,000 | 5,080,000,000 | 4,772,000,000 | 4,815,000,000 | 4,519,000,000 | 4,697,000,000 | 4,516,000,000 | 4,824,000,000 | 4,643,000,000 | 4,913,000,000 | 4,778,000,000 | 4,946,000,000 | 4,660,000,000 | 4,915,000,000 | 4,945,000,000 | 4,646,000,000 | 4,869,000,000 | 4,659,000,000 | 4,729,000,000 | 4,438,000,000 | 13,164,000,000 | 4,482,000,000 | 4,257,000,000 | 4,218,000,000 | 4,278,000,000 | 3,902,000,000 | 3,818,000,000 | 3,734,000,000 | 3,466,000,000 | 3,373,000,000 | 3,305,000,000 | 3,066,000,000 | 3,848,000,000 | 3,991,000,000 | 3,718,000,000 |
net card fees | 2,752,000,000 | 7,442,000,000 | 2,551,000,000 | 2,480,000,000 | 2,333,000,000 | 2,245,000,000 | 2,170,000,000 | 2,060,000,000 | 1,974,000,000 | 1,907,000,000 | 1,846,000,000 | 1,789,000,000 | 1,713,000,000 | 1,625,000,000 | 1,541,000,000 | 1,481,000,000 | 1,423,000,000 | 1,344,000,000 | 1,312,000,000 | 1,286,000,000 | 1,253,000,000 | 1,222,000,000 | 1,191,000,000 | 1,141,000,000 | 1,110,000,000 | 1,077,000,000 | 1,033,000,000 | 988,000,000 | 944,000,000 | 897,000,000 | 870,000,000 | 844,000,000 | 830,000,000 | 785,000,000 | 786,000,000 | 771,000,000 | 748,000,000 | 725,000,000 | 747,000,000 | 715,000,000 | 699,000,000 | 687,000,000 | 679,000,000 | 667,000,000 | 667,000,000 | 680,000,000 | 687,000,000 | 674,000,000 | 673,000,000 | 658,000,000 | 647,000,000 | 653,000,000 | 1,858,000,000 | 615,000,000 | 610,000,000 | 556,000,000 | 545,000,000 | 537,000,000 | 527,000,000 | 520,000,000 | 521,000,000 | 538,000,000 | 532,000,000 | 532,000,000 | 577,000,000 | 576,000,000 | 567,000,000 |
service fees and other revenue | 1,951,000,000 | 5,495,000,000 | 1,976,000,000 | 1,828,000,000 | 1,722,000,000 | 1,290,000,000 | 1,267,000,000 | 1,280,000,000 | 1,292,000,000 | 1,294,000,000 | 1,261,000,000 | 1,232,000,000 | 1,218,000,000 | 1,181,000,000 | 1,169,000,000 | 1,265,000,000 | 906,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
total non-interest revenues | 14,215,000,000 | 40,925,000,000 | 13,940,000,000 | 13,669,000,000 | 12,798,000,000 | 13,141,000,000 | 12,630,000,000 | 12,603,000,000 | 12,032,000,000 | 12,195,000,000 | 11,939,000,000 | 11,949,000,000 | 11,298,000,000 | 11,418,000,000 | 10,978,000,000 | 11,035,000,000 | 9,536,000,000 | 10,037,000,000 | 8,934,000,000 | 8,425,000,000 | 7,234,000,000 | 7,454,000,000 | 6,877,000,000 | 5,791,000,000 | 7,980,000,000 | 9,081,000,000 | 8,786,000,000 | 8,764,000,000 | 8,305,000,000 | 8,442,000,000 | 8,183,000,000 | 8,173,000,000 | 7,877,000,000 | 7,103,000,000 | 6,761,000,000 | 6,777,000,000 | 6,389,000,000 | 6,614,000,000 | 6,440,000,000 | 6,786,000,000 | 6,508,000,000 | 6,844,000,000 | 6,688,000,000 | 6,861,000,000 | 6,503,000,000 | 6,934,000,000 | 7,341,000,000 | 6,862,000,000 | 7,228,000,000 | 7,018,000,000 | 7,043,000,000 | 6,638,000,000 | 20,006,000,000 | 6,844,000,000 | 6,481,000,000 | 6,392,000,000 | 6,467,000,000 | 5,897,000,000 | 5,849,000,000 | 5,670,000,000 | 5,299,000,000 | 5,262,000,000 | 5,351,000,000 | 5,007,000,000 | |||
yoy | 11.07% | 211.43% | 10.37% | 8.46% | 6.37% | 7.76% | 5.79% | 5.47% | 6.50% | 6.81% | 8.75% | 8.28% | 18.48% | 13.76% | 22.88% | 30.98% | 31.82% | 34.65% | 29.91% | 45.48% | -9.35% | -17.92% | -21.73% | -33.92% | -3.91% | 7.57% | 7.37% | 7.23% | 5.43% | 18.85% | 21.03% | 20.60% | 23.29% | 7.39% | 4.98% | -0.13% | -1.83% | -3.36% | -3.71% | -1.09% | 0.08% | -1.30% | -8.90% | -0.01% | -10.03% | -1.20% | 4.23% | 3.37% | -63.87% | 2.54% | 8.67% | 3.85% | 209.36% | 16.06% | 10.81% | 12.73% | 22.04% | 12.07% | 9.31% | 13.24% | |||||||
qoq | -65.27% | 193.58% | 1.98% | 6.81% | -2.61% | 4.05% | 0.21% | 4.75% | -1.34% | 2.14% | -0.08% | 5.76% | -1.05% | 4.01% | -0.52% | 15.72% | -4.99% | 12.35% | 6.04% | 16.46% | -2.95% | 8.39% | 18.75% | -27.43% | -12.12% | 3.36% | 0.25% | 5.53% | -1.62% | 3.17% | 0.12% | 3.76% | 10.90% | 5.06% | -0.24% | 6.07% | -3.40% | 2.70% | -5.10% | 4.27% | -4.91% | 2.33% | -2.52% | 5.51% | -6.22% | -5.54% | 6.98% | -5.06% | 2.99% | -0.35% | 6.10% | -66.82% | 192.31% | 5.60% | 1.39% | -1.16% | 9.67% | 0.82% | 3.16% | 7.00% | 0.70% | -1.66% | 6.87% | ||||
interest income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
interest on card balances and other loans | 6,136,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
interest and dividends on investment securities | 17,000,000 | 48,000,000 | 15,000,000 | 17,000,000 | 14,000,000 | 18,000,000 | 18,000,000 | 25,000,000 | 25,000,000 | 31,000,000 | 33,000,000 | 34,000,000 | 30,000,000 | 34,000,000 | 27,000,000 | 22,000,000 | 13,000,000 | 17,000,000 | 18,000,000 | 24,000,000 | 24,000,000 | 29,000,000 | 33,000,000 | 27,000,000 | 38,000,000 | 50,000,000 | 53,000,000 | 52,000,000 | 33,000,000 | 35,000,000 | 35,000,000 | 27,000,000 | 21,000,000 | 21,000,000 | 22,000,000 | 23,000,000 | 23,000,000 | 27,000,000 | 34,000,000 | 34,000,000 | 36,000,000 | 37,000,000 | 38,000,000 | 41,000,000 | 41,000,000 | 45,000,000 | 45,000,000 | 46,000,000 | 48,000,000 | 48,000,000 | 52,000,000 | 53,000,000 | 193,000,000 | 67,000,000 | 66,000,000 | 68,000,000 | 99,000,000 | 88,000,000 | 103,000,000 | 125,000,000 | 117,000,000 | 229,000,000 | 196,000,000 | 154,000,000 | |||
deposits with banks and other | 512,000,000 | 1,669,000,000 | 632,000,000 | 599,000,000 | 569,000,000 | 556,000,000 | 689,000,000 | 677,000,000 | 692,000,000 | 611,000,000 | 572,000,000 | 528,000,000 | 447,000,000 | 308,000,000 | 183,000,000 | 70,000,000 | 34,000,000 | 27,000,000 | 27,000,000 | 22,000,000 | 24,000,000 | 22,000,000 | 25,000,000 | 31,000,000 | 99,000,000 | 101,000,000 | 142,000,000 | 149,000,000 | 196,000,000 | 157,000,000 | 149,000,000 | 126,000,000 | 115,000,000 | 93,000,000 | 91,000,000 | 82,000,000 | 60,000,000 | 35,000,000 | 40,000,000 | 33,000,000 | 31,000,000 | 19,000,000 | 19,000,000 | 20,000,000 | 21,000,000 | 17,000,000 | 18,000,000 | 19,000,000 | 19,000,000 | 21,000,000 | 20,000,000 | 26,000,000 | 73,000,000 | 22,000,000 | 30,000,000 | 33,000,000 | 18,000,000 | 20,000,000 | 16,000,000 | 16,000,000 | 13,000,000 | 9,000,000 | 11,000,000 | 28,000,000 | |||
total interest income | 6,665,000,000 | 18,981,000,000 | 6,617,000,000 | 6,264,000,000 | 6,135,000,000 | 6,077,000,000 | 6,149,000,000 | 5,794,000,000 | 5,775,000,000 | 5,552,000,000 | 5,240,000,000 | 4,775,000,000 | 4,416,000,000 | 3,965,000,000 | 3,374,000,000 | 2,799,000,000 | 2,520,000,000 | 2,400,000,000 | 2,301,000,000 | 2,140,000,000 | 2,192,000,000 | 2,287,000,000 | 2,324,000,000 | 2,426,000,000 | 3,046,000,000 | 3,085,000,000 | 3,080,000,000 | 2,965,000,000 | 2,954,000,000 | 2,866,000,000 | 2,738,000,000 | 2,540,000,000 | 2,462,000,000 | 2,316,000,000 | 2,242,000,000 | 2,052,000,000 | 1,943,000,000 | 1,821,000,000 | 1,764,000,000 | 1,885,000,000 | 2,005,000,000 | 1,947,000,000 | 1,904,000,000 | 1,837,000,000 | 1,857,000,000 | 1,815,000,000 | 1,759,000,000 | 1,776,000,000 | 1,782,000,000 | 1,767,000,000 | 1,694,000,000 | 1,762,000,000 | 5,117,000,000 | 1,671,000,000 | 1,707,000,000 | 1,754,000,000 | 1,728,000,000 | 1,727,000,000 | 1,794,000,000 | 1,798,000,000 | 1,905,000,000 | 1,297,000,000 | 1,288,000,000 | 1,474,000,000 | |||
interest expense | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deposits | 1,287,000,000 | 4,054,000,000 | 1,371,000,000 | 1,374,000,000 | 1,337,000,000 | 1,397,000,000 | 1,446,000,000 | 1,425,000,000 | 1,427,000,000 | 1,385,000,000 | 1,290,000,000 | 1,196,000,000 | 994,000,000 | 778,000,000 | 440,000,000 | 187,000,000 | 122,000,000 | 102,000,000 | 109,000,000 | 113,000,000 | 134,000,000 | 155,000,000 | 202,000,000 | 260,000,000 | 326,000,000 | 353,000,000 | 401,000,000 | 406,000,000 | 399,000,000 | 377,000,000 | 340,000,000 | 300,000,000 | 270,000,000 | 241,000,000 | 213,000,000 | 176,000,000 | 149,000,000 | 148,000,000 | 150,000,000 | 150,000,000 | 150,000,000 | 138,000,000 | 125,000,000 | 109,000,000 | 103,000,000 | 91,000,000 | 91,000,000 | 94,000,000 | 110,000,000 | 111,000,000 | 107,000,000 | 114,000,000 | 362,000,000 | 115,000,000 | 129,000,000 | 127,000,000 | 131,000,000 | 137,000,000 | 141,000,000 | 137,000,000 | 128,000,000 | 109,000,000 | 105,000,000 | 85,000,000 | |||
long-term debt and other | 686,000,000 | 2,049,000,000 | 760,000,000 | 703,000,000 | 629,000,000 | 642,000,000 | 697,000,000 | 639,000,000 | 579,000,000 | 563,000,000 | 508,000,000 | 474,000,000 | 439,000,000 | 429,000,000 | 356,000,000 | 252,000,000 | 199,000,000 | 190,000,000 | 198,000,000 | 209,000,000 | 228,000,000 | 235,000,000 | 248,000,000 | 282,000,000 | 390,000,000 | 448,000,000 | 476,000,000 | 485,000,000 | 496,000,000 | 457,000,000 | 437,000,000 | 411,000,000 | 351,000,000 | 339,000,000 | 354,000,000 | 346,000,000 | 294,000,000 | 265,000,000 | 280,000,000 | 286,000,000 | 275,000,000 | 262,000,000 | 274,000,000 | 305,000,000 | 307,000,000 | 329,000,000 | 352,000,000 | 345,000,000 | 353,000,000 | 373,000,000 | 385,000,000 | 405,000,000 | 1,320,000,000 | 429,000,000 | 440,000,000 | 443,000,000 | 445,000,000 | 456,000,000 | 469,000,000 | 472,000,000 | 469,000,000 | 432,000,000 | |||||
total interest expense | 1,973,000,000 | 6,103,000,000 | 2,131,000,000 | 2,077,000,000 | 1,966,000,000 | 2,039,000,000 | 2,143,000,000 | 2,064,000,000 | 2,006,000,000 | 1,948,000,000 | 1,798,000,000 | 1,670,000,000 | 1,433,000,000 | 1,207,000,000 | 796,000,000 | 439,000,000 | 321,000,000 | 292,000,000 | 307,000,000 | 322,000,000 | 362,000,000 | 390,000,000 | 450,000,000 | 542,000,000 | 716,000,000 | 801,000,000 | 877,000,000 | 891,000,000 | 895,000,000 | 834,000,000 | 777,000,000 | 711,000,000 | 621,000,000 | 580,000,000 | 567,000,000 | 522,000,000 | 443,000,000 | 413,000,000 | 430,000,000 | 436,000,000 | 425,000,000 | 400,000,000 | 399,000,000 | 414,000,000 | 410,000,000 | 420,000,000 | 443,000,000 | 439,000,000 | 463,000,000 | 484,000,000 | 492,000,000 | 519,000,000 | 1,682,000,000 | 550,000,000 | 574,000,000 | 575,000,000 | 577,000,000 | 593,000,000 | 610,000,000 | 610,000,000 | 598,000,000 | 543,000,000 | 547,000,000 | 555,000,000 | |||
net interest income | 4,692,000,000 | 12,878,000,000 | 4,486,000,000 | 4,187,000,000 | 4,169,000,000 | 4,038,000,000 | 4,006,000,000 | 3,730,000,000 | 3,769,000,000 | 3,604,000,000 | 3,442,000,000 | 3,105,000,000 | 2,983,000,000 | 2,758,000,000 | 2,578,000,000 | 2,360,000,000 | 2,199,000,000 | 2,108,000,000 | 1,994,000,000 | 1,818,000,000 | 1,830,000,000 | 1,897,000,000 | 1,874,000,000 | 1,884,000,000 | 2,330,000,000 | 2,284,000,000 | 2,203,000,000 | 2,074,000,000 | 2,059,000,000 | 2,032,000,000 | 1,961,000,000 | 1,829,000,000 | 1,841,000,000 | 1,736,000,000 | 1,675,000,000 | 1,530,000,000 | 1,500,000,000 | 1,408,000,000 | 1,334,000,000 | 1,449,000,000 | 1,580,000,000 | 1,547,000,000 | 1,505,000,000 | 1,423,000,000 | 1,447,000,000 | 1,395,000,000 | 1,316,000,000 | 1,337,000,000 | 1,319,000,000 | 1,283,000,000 | 1,202,000,000 | 1,243,000,000 | 3,435,000,000 | 1,121,000,000 | 1,133,000,000 | 1,179,000,000 | 1,151,000,000 | 1,134,000,000 | 1,184,000,000 | 1,188,000,000 | 1,307,000,000 | 754,000,000 | 741,000,000 | 919,000,000 | |||
total revenues net of interest expense | 18,907,000,000 | 53,803,000,000 | 18,426,000,000 | 17,856,000,000 | 16,967,000,000 | 17,179,000,000 | 16,636,000,000 | 16,333,000,000 | 15,801,000,000 | 15,799,000,000 | 15,381,000,000 | 15,054,000,000 | 14,281,000,000 | 14,176,000,000 | 13,556,000,000 | 13,395,000,000 | 11,735,000,000 | 12,145,000,000 | 10,928,000,000 | 10,243,000,000 | 9,064,000,000 | 9,351,000,000 | 8,751,000,000 | 7,675,000,000 | 10,310,000,000 | 11,365,000,000 | 10,989,000,000 | 10,838,000,000 | 10,364,000,000 | 10,474,000,000 | 10,144,000,000 | 10,002,000,000 | 9,718,000,000 | 8,839,000,000 | 8,436,000,000 | 8,307,000,000 | 7,889,000,000 | 8,022,000,000 | 7,774,000,000 | 8,235,000,000 | 8,088,000,000 | 8,391,000,000 | 8,193,000,000 | 8,284,000,000 | 7,950,000,000 | 8,329,000,000 | 8,657,000,000 | 8,199,000,000 | 8,547,000,000 | 8,301,000,000 | 8,245,000,000 | 7,881,000,000 | 23,441,000,000 | 7,965,000,000 | 7,614,000,000 | 7,571,000,000 | 7,618,000,000 | 7,031,000,000 | 7,033,000,000 | 6,858,000,000 | 6,606,000,000 | 6,016,000,000 | 6,092,000,000 | 5,926,000,000 | |||
provisions for credit losses | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
card balances | 1,187,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other | 64,000,000 | 371,000,000 | 67,000,000 | 85,000,000 | 103,000,000 | 99,000,000 | 72,000,000 | 72,000,000 | 59,000,000 | 67,000,000 | 45,000,000 | 45,000,000 | 47,000,000 | 26,000,000 | 17,000,000 | -2,000,000 | 531,000,000 | 314,000,000 | 252,000,000 | 219,000,000 | 167,000,000 | 209,000,000 | 186,000,000 | 312,000,000 | 343,000,000 | 362,000,000 | 362,000,000 | 363,000,000 | 300,000,000 | 334,000,000 | 349,000,000 | 377,000,000 | 448,000,000 | 436,000,000 | 439,000,000 | 409,000,000 | 515,000,000 | 483,000,000 | 545,000,000 | 486,000,000 | 540,000,000 | 504,000,000 | 521,000,000 | 468,000,000 | 593,000,000 | 585,000,000 | 501,000,000 | 569,000,000 | 601,000,000 | 567,000,000 | 537,000,000 | 1,808,000,000 | 651,000,000 | 580,000,000 | 534,000,000 | 537,000,000 | 475,000,000 | 502,000,000 | 485,000,000 | 426,000,000 | 449,000,000 | 670,000,000 | 450,000,000 | 551,000,000 | 573,000,000 | 356,000,000 | |
total provisions for credit losses | 1,251,000,000 | 3,969,000,000 | 1,287,000,000 | 1,405,000,000 | 1,150,000,000 | 1,292,000,000 | 1,356,000,000 | 1,268,000,000 | 1,269,000,000 | 1,437,000,000 | 1,233,000,000 | 1,198,000,000 | 1,055,000,000 | 1,027,000,000 | 778,000,000 | 410,000,000 | -33,000,000 | 53,000,000 | -191,000,000 | -606,000,000 | -675,000,000 | -111,000,000 | 665,000,000 | 1,555,000,000 | 2,621,000,000 | ||||||||||||||||||||||||||||||||||||||||||
total revenues net of interest expense after provisions for credit losses | 17,656,000,000 | 49,834,000,000 | 17,139,000,000 | 16,451,000,000 | 15,817,000,000 | 15,887,000,000 | 15,280,000,000 | 15,065,000,000 | 14,532,000,000 | 14,362,000,000 | 14,148,000,000 | 13,856,000,000 | 13,226,000,000 | 13,149,000,000 | 12,778,000,000 | 12,985,000,000 | 11,768,000,000 | 12,092,000,000 | 11,119,000,000 | 10,849,000,000 | 9,739,000,000 | 9,462,000,000 | 8,086,000,000 | 6,120,000,000 | 7,689,000,000 | ||||||||||||||||||||||||||||||||||||||||||
expenses | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
card member rewards | 4,891,000,000 | 13,801,000,000 | 4,608,000,000 | 4,618,000,000 | 4,378,000,000 | 4,430,000,000 | 4,168,000,000 | 4,227,000,000 | 3,774,000,000 | 3,851,000,000 | 3,794,000,000 | 3,956,000,000 | 3,766,000,000 | 3,729,000,000 | 3,571,000,000 | 3,591,000,000 | 3,111,000,000 | 3,032,000,000 | 3,020,000,000 | 2,712,000,000 | 2,243,000,000 | 2,296,000,000 | 2,004,000,000 | 1,349,000,000 | 2,392,000,000 | 2,722,000,000 | 2,614,000,000 | 2,652,000,000 | 2,451,000,000 | 2,516,000,000 | 2,400,000,000 | 2,433,000,000 | 2,347,000,000 | 1,975,000,000 | 1,900,000,000 | 1,926,000,000 | 1,807,000,000 | 1,758,000,000 | 1,566,000,000 | 1,766,000,000 | 1,703,000,000 | 1,794,000,000 | 1,763,000,000 | 1,799,000,000 | 1,640,000,000 | ||||||||||||||||||||||
business development | 1,591,000,000 | 4,846,000,000 | 1,611,000,000 | 1,589,000,000 | 1,529,000,000 | 1,637,000,000 | 1,430,000,000 | 1,427,000,000 | 1,392,000,000 | 1,483,000,000 | 1,393,000,000 | 1,388,000,000 | 1,393,000,000 | 1,302,000,000 | 1,194,000,000 | 1,404,000,000 | 1,043,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
card member services | 1,975,000,000 | 4,580,000,000 | 1,477,000,000 | 1,301,000,000 | 1,328,000,000 | 1,278,000,000 | 1,179,000,000 | 1,154,000,000 | 1,171,000,000 | 1,063,000,000 | 973,000,000 | 949,000,000 | 983,000,000 | 881,000,000 | 774,000,000 | 678,000,000 | 626,000,000 | 665,000,000 | 579,000,000 | 432,000,000 | 317,000,000 | 307,000,000 | 259,000,000 | 208,000,000 | 456,000,000 | 551,000,000 | 558,000,000 | 563,000,000 | 550,000,000 | 495,000,000 | 457,000,000 | 416,000,000 | 409,000,000 | ||||||||||||||||||||||||||||||||||
marketing | 1,480,000,000 | 4,653,000,000 | 1,599,000,000 | 1,555,000,000 | 1,486,000,000 | 1,614,000,000 | 1,470,000,000 | 1,480,000,000 | 1,476,000,000 | 1,228,000,000 | 1,236,000,000 | 1,408,000,000 | 1,341,000,000 | 1,274,000,000 | 1,458,000,000 | 1,502,000,000 | 1,224,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
salaries and employee benefits | 2,482,000,000 | 6,777,000,000 | 2,239,000,000 | 2,152,000,000 | 2,120,000,000 | 2,102,000,000 | 2,049,000,000 | 1,949,000,000 | 2,098,000,000 | 2,131,000,000 | 2,047,000,000 | 1,875,000,000 | 2,014,000,000 | 2,034,000,000 | 1,748,000,000 | 1,816,000,000 | 1,654,000,000 | 1,654,000,000 | 1,497,000,000 | 1,539,000,000 | 1,550,000,000 | 1,566,000,000 | 1,408,000,000 | 1,349,000,000 | 1,395,000,000 | 1,623,000,000 | 1,499,000,000 | 1,367,000,000 | 1,422,000,000 | 1,294,000,000 | 1,350,000,000 | 1,280,000,000 | 1,326,000,000 | 1,436,000,000 | 1,265,000,000 | 1,293,000,000 | 1,264,000,000 | 1,207,000,000 | 1,263,000,000 | 1,451,000,000 | 1,338,000,000 | 1,209,000,000 | 1,212,000,000 | 1,250,000,000 | 1,305,000,000 | 1,290,000,000 | 1,658,000,000 | 1,540,000,000 | 1,489,000,000 | 1,544,000,000 | 1,543,000,000 | 1,615,000,000 | 4,687,000,000 | 1,536,000,000 | 1,635,000,000 | 1,598,000,000 | 1,595,000,000 | 1,522,000,000 | 1,354,000,000 | 1,315,000,000 | 1,327,000,000 | 1,261,000,000 | 1,370,000,000 | 1,253,000,000 | |||
total expenses | 13,878,000,000 | 39,864,000,000 | 13,314,000,000 | 12,901,000,000 | 12,487,000,000 | 13,131,000,000 | 12,076,000,000 | 11,275,000,000 | 11,387,000,000 | 11,850,000,000 | 11,048,000,000 | 11,122,000,000 | 11,059,000,000 | 11,278,000,000 | 10,319,000,000 | 10,442,000,000 | 9,056,000,000 | 9,786,000,000 | 8,669,000,000 | 7,909,000,000 | 6,746,000,000 | 7,604,000,000 | 6,722,000,000 | 5,498,000,000 | 7,237,000,000 | 8,355,000,000 | 7,844,000,000 | 7,758,000,000 | 7,597,000,000 | 7,689,000,000 | 7,209,000,000 | 7,105,000,000 | 6,861,000,000 | 6,185,000,000 | 5,840,000,000 | 5,774,000,000 | 5,499,000,000 | 6,236,000,000 | 5,535,000,000 | 4,756,000,000 | 5,470,000,000 | 6,365,000,000 | 5,726,000,000 | 5,587,000,000 | 5,214,000,000 | 5,595,000,000 | 5,856,000,000 | 5,506,000,000 | 4,234,250,000 | 5,805,000,000 | 5,657,000,000 | 5,475,000,000 | |||||||||||||||
pretax income | 3,778,000,000 | 9,970,000,000 | 3,825,000,000 | 3,550,000,000 | 3,330,000,000 | 2,756,000,000 | 3,204,000,000 | 3,790,000,000 | 3,145,000,000 | 2,512,000,000 | 3,100,000,000 | 2,734,000,000 | 2,167,000,000 | 1,871,000,000 | 2,459,000,000 | 2,543,000,000 | 2,712,000,000 | 2,306,000,000 | 2,450,000,000 | 2,940,000,000 | 2,993,000,000 | 1,858,000,000 | 1,364,000,000 | 622,000,000 | 452,000,000 | 1,986,000,000 | 2,266,000,000 | 2,219,000,000 | 1,958,000,000 | 1,831,000,000 | 2,118,000,000 | 2,091,000,000 | 2,082,000,000 | 1,821,000,000 | 1,827,000,000 | 1,949,000,000 | 1,817,000,000 | 1,161,000,000 | 1,735,000,000 | 3,016,000,000 | 2,184,000,000 | 1,454,000,000 | 1,938,000,000 | 2,230,000,000 | 2,316,000,000 | 2,246,000,000 | 2,312,000,000 | 2,208,000,000 | 1,477,000,000 | 2,004,000,000 | 1,995,000,000 | 1,909,000,000 | 1,773,000,000 | 1,711,000,000 | |||||||||||||
income tax provision | 807,000,000 | 2,039,000,000 | 923,000,000 | 665,000,000 | 746,000,000 | 586,000,000 | 697,000,000 | 775,000,000 | 708,000,000 | 579,000,000 | 649,000,000 | 560,000,000 | 351,000,000 | 299,000,000 | 580,000,000 | 579,000,000 | 613,000,000 | 587,000,000 | 624,000,000 | 660,000,000 | 758,000,000 | 420,000,000 | 291,000,000 | 365,000,000 | 85,000,000 | 293,000,000 | 511,000,000 | 458,000,000 | 408,000,000 | -179,000,000 | 464,000,000 | 468,000,000 | 448,000,000 | 3,018,000,000 | 471,000,000 | 609,000,000 | 580,000,000 | 336,000,000 | 593,000,000 | 1,001,000,000 | 758,000,000 | 555,000,000 | 672,000,000 | 757,000,000 | 791,000,000 | 769,000,000 | 783,000,000 | 776,000,000 | 672,000,000 | 638,000,000 | 590,000,000 | 629,000,000 | 1,677,000,000 | 540,000,000 | 517,000,000 | 476,000,000 | 470,000,000 | 555,000,000 | 547,000,000 | 578,000,000 | 367,000,000 | 276,000,000 | 76,000,000 | 101,000,000 | 217,000,000 | 111,000,000 | 380,000,000 |
net income | 2,971,000,000 | 7,931,000,000 | 2,902,000,000 | 2,885,000,000 | 2,584,000,000 | 2,170,000,000 | 2,507,000,000 | 3,015,000,000 | 2,437,000,000 | 1,933,000,000 | 2,451,000,000 | 2,174,000,000 | 1,816,000,000 | 1,572,000,000 | 1,879,000,000 | 1,964,000,000 | 2,099,000,000 | 1,719,000,000 | 1,826,000,000 | 2,280,000,000 | 2,235,000,000 | 1,438,000,000 | 1,073,000,000 | 257,000,000 | 367,000,000 | 1,693,000,000 | 1,755,000,000 | 1,761,000,000 | 1,550,000,000 | 2,010,000,000 | 1,654,000,000 | 1,623,000,000 | 1,634,000,000 | -1,197,000,000 | 1,356,000,000 | 1,340,000,000 | 1,237,000,000 | 825,000,000 | 1,142,000,000 | 2,015,000,000 | 1,426,000,000 | 899,000,000 | 1,266,000,000 | 1,473,000,000 | 1,525,000,000 | 1,477,000,000 | 1,529,000,000 | 1,432,000,000 | 1,308,000,000 | 1,366,000,000 | 1,405,000,000 | 1,280,000,000 | 3,845,000,000 | 1,339,000,000 | 1,256,000,000 | 1,235,000,000 | 1,331,000,000 | 1,177,000,000 | 1,093,000,000 | 1,017,000,000 | 885,000,000 | 640,000,000 | 337,000,000 | 437,000,000 | 815,000,000 | 653,000,000 | 991,000,000 |
yoy | 14.98% | 265.48% | 15.76% | -4.31% | 6.03% | 12.26% | 2.28% | 38.68% | 34.20% | 22.96% | 30.44% | 10.69% | -13.48% | -8.55% | 2.90% | -13.86% | -6.09% | 19.54% | 70.18% | 787.16% | 508.99% | -15.06% | -38.86% | -85.41% | -76.32% | -15.77% | 6.11% | 8.50% | -5.14% | -267.92% | 21.98% | 21.12% | 32.09% | -245.09% | 18.74% | -33.50% | -13.25% | -8.23% | -9.79% | 36.80% | -6.49% | -39.13% | -17.20% | 2.86% | 16.59% | 8.13% | 8.83% | 11.87% | -65.98% | 2.02% | 11.86% | 3.64% | 188.88% | 13.76% | 14.91% | 21.44% | 50.40% | 83.91% | 224.33% | 132.72% | 8.59% | -1.99% | -65.99% | ||||
qoq | -62.54% | 173.29% | 0.59% | 11.65% | 19.08% | -13.44% | -16.85% | 23.72% | 26.07% | -21.13% | 12.74% | 19.71% | 15.52% | -16.34% | -4.33% | -6.43% | 22.11% | -5.86% | -19.91% | 2.01% | 55.42% | 34.02% | 317.51% | -29.97% | -78.32% | -3.53% | -0.34% | 13.61% | -22.89% | 21.52% | 1.91% | -0.67% | -236.51% | -188.27% | 1.19% | 8.33% | 49.94% | -27.76% | -43.33% | 41.30% | 58.62% | -28.99% | -14.05% | -3.41% | 3.25% | -3.40% | 6.77% | 9.48% | -4.25% | -2.78% | 9.77% | -66.71% | 187.15% | 6.61% | 1.70% | -7.21% | 13.08% | 7.69% | 7.47% | 14.92% | 38.28% | 89.91% | -22.88% | -46.38% | 24.81% | -34.11% | |
net income margin % | 20.90% | 19.38% | 20.82% | 21.11% | 20.19% | 16.51% | 19.85% | 23.92% | 20.25% | 15.85% | 20.53% | 18.19% | 16.07% | 13.77% | 17.12% | 17.80% | 22.01% | 17.13% | 20.44% | 27.06% | 30.90% | 19.29% | 15.60% | 4.44% | 4.60% | 18.64% | 19.97% | 20.09% | 18.66% | 23.81% | 20.21% | 19.86% | 20.74% | -16.85% | 20.06% | 19.77% | 19.36% | 12.47% | 17.73% | 29.69% | 21.91% | 13.14% | 18.93% | 21.47% | 23.45% | 21.30% | 20.83% | 20.87% | 18.10% | 19.46% | 19.95% | 19.28% | 19.22% | 19.56% | 19.38% | 19.32% | 20.58% | 19.96% | 18.69% | 17.94% | 16.70% | 12.16% | 6.30% | 8.73% | Infinity% | Infinity% | Infinity% |
earnings per common share | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
basic | 4,290,000 | 11,270,000 | 4,140,000 | 4,080,000 | 3,640,000 | 3,050,000 | 3,500,000 | 4,160,000 | 3,340,000 | 2,630,000 | 3,300,000 | 2,890,000 | 2,410,000 | 2,080,000 | 2,470,000 | 2,570,000 | 2,730,000 | 2,200,000 | 2,270,000 | 2,810,000 | 2,740,000 | 1,760,000 | 1,310,000 | 290,000 | 410,000 | 2,030,000 | 2,090,000 | 2,070,000 | 1,810,000 | 2,330,000 | 1,890,000 | 1,850,000 | 1,860,000 | -1,340,000 | 1,510,000 | 1,470,000 | 1,340,000 | 900,000 | 1,210,000 | 2,110,000 | 1,450,000 | 910,000 | 1,240,000 | 1,430,000 | 1,490,000 | 1,410,000 | 1,440,000 | 1,340,000 | 922,500 | 1,260,000 | 1,280,000 | 1,150,000 | 1,070,000 | 1,040,000 | 980,000 | ||||||||||||
diluted | 4,280,000 | 11,240,000 | 4,140,000 | 4,080,000 | 3,640,000 | 3,040,000 | 3,490,000 | 4,150,000 | 3,330,000 | 2,620,000 | 3,300,000 | 2,890,000 | 2,400,000 | 2,080,000 | 2,470,000 | 2,570,000 | 2,730,000 | 2,200,000 | 2,270,000 | 2,800,000 | 2,740,000 | 1,760,000 | 1,300,000 | 290,000 | 410,000 | 2,040,000 | 2,080,000 | 2,070,000 | 1,800,000 | 2,320,000 | 1,880,000 | 1,840,000 | 1,860,000 | -1,330,000 | 1,500,000 | 1,470,000 | 1,340,000 | 890,000 | 1,200,000 | 2,100,000 | 1,450,000 | 900,000 | 1,240,000 | 1,420,000 | 1,480,000 | 1,400,000 | 1,430,000 | 1,330,000 | 917,500 | 1,250,000 | 1,270,000 | 1,150,000 | 1,070,000 | 1,030,000 | 970,000 | ||||||||||||
average common shares outstanding for earnings per common share: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
basic | 685,000,000 | 3,000,000 | 692,000,000 | 698,000,000 | 701,000,000 | -3,000,000 | 708,000,000 | 716,000,000 | 721,000,000 | -3,000,000 | 732,000,000 | 740,000,000 | 743,000,000 | -1,000,000 | 748,000,000 | 752,000,000 | 757,000,000 | -7,000,000 | 786,000,000 | 801,000,000 | 804,000,000 | 804,000,000 | 804,000,000 | 807,000,000 | -5,000,000 | 825,000,000 | 834,000,000 | 841,000,000 | -3,000,000 | 858,000,000 | 860,000,000 | 859,000,000 | -6,000,000 | 878,000,000 | 890,000,000 | 899,000,000 | -7,000,000 | 920,000,000 | 938,000,000 | 961,000,000 | -8,000,000 | 994,000,000 | 1,009,000,000 | 1,019,000,000 | 1,041,000,000 | 1,052,000,000 | 1,060,000,000 | -5,000,000 | 1,074,000,000 | 1,090,000,000 | 1,099,000,000 | 1,143,000,000 | 1,145,000,000 | 1,160,000,000 | 1,175,000,000 | 1,190,000,000 | 1,192,000,000 | 1,193,000,000 | 1,190,000,000 | 1,185,000,000 | 1,178,000,000 | 1,162,000,000 | 1,156,000,000 | 1,154,000,000 | 1,154,000,000 | 1,153,000,000 | |
diluted | 686,000,000 | 3,000,000 | 693,000,000 | 699,000,000 | 702,000,000 | -3,000,000 | 709,000,000 | 717,000,000 | 722,000,000 | -3,000,000 | 733,000,000 | 741,000,000 | 744,000,000 | -1,000,000 | 749,000,000 | 753,000,000 | 758,000,000 | -7,000,000 | 787,000,000 | 802,000,000 | 805,000,000 | 805,000,000 | 805,000,000 | 808,000,000 | -5,000,000 | 827,000,000 | 836,000,000 | 843,000,000 | -2,000,000 | 860,000,000 | 862,000,000 | 861,000,000 | -6,000,000 | 881,000,000 | 893,000,000 | 903,000,000 | -8,000,000 | 923,000,000 | 941,000,000 | 963,000,000 | -8,000,000 | 997,000,000 | 1,013,000,000 | 1,023,000,000 | 1,047,000,000 | 1,058,000,000 | 1,067,000,000 | -5,000,000 | 1,081,000,000 | 1,097,000,000 | 1,106,000,000 | 1,149,000,000 | 1,152,000,000 | 1,166,000,000 | 1,181,000,000 | 1,197,000,000 | 1,198,000,000 | 1,199,000,000 | 1,197,000,000 | 1,191,000,000 | 1,181,000,000 | 1,165,000,000 | 1,156,000,000 | 1,158,000,000 | 1,163,000,000 | 1,163,000,000 | |
interest on loans | 17,264,000,000 | 5,970,000,000 | 5,648,000,000 | 5,552,000,000 | 5,503,000,000 | 5,442,000,000 | 5,092,000,000 | 5,058,000,000 | 4,910,000,000 | 4,635,000,000 | 4,213,000,000 | 3,939,000,000 | 3,623,000,000 | 3,164,000,000 | 2,707,000,000 | 2,473,000,000 | 2,356,000,000 | 2,256,000,000 | 2,094,000,000 | 2,144,000,000 | 2,236,000,000 | 2,266,000,000 | 2,368,000,000 | 2,909,000,000 | 2,934,000,000 | 2,885,000,000 | 2,764,000,000 | 2,725,000,000 | 2,674,000,000 | 2,554,000,000 | 2,387,000,000 | 2,326,000,000 | 2,202,000,000 | 2,129,000,000 | 1,947,000,000 | 1,860,000,000 | 1,759,000,000 | 1,690,000,000 | 1,818,000,000 | 1,938,000,000 | 1,891,000,000 | 1,847,000,000 | 1,776,000,000 | 1,795,000,000 | 1,753,000,000 | 1,696,000,000 | 1,711,000,000 | 1,715,000,000 | 1,698,000,000 | 1,622,000,000 | 1,683,000,000 | 4,851,000,000 | 1,582,000,000 | ||||||||||||||
card member receivables | 561,000,000 | 190,000,000 | 226,000,000 | 146,000,000 | 182,000,000 | 170,000,000 | 226,000,000 | 196,000,000 | 222,000,000 | 206,000,000 | 230,000,000 | 222,000,000 | 244,000,000 | 165,000,000 | 138,000,000 | 80,000,000 | 74,000,000 | -12,000,000 | -125,000,000 | -10,000,000 | -54,000,000 | 117,000,000 | 355,000,000 | 597,000,000 | |||||||||||||||||||||||||||||||||||||||||||
card member loans | 3,037,000,000 | 1,030,000,000 | 1,094,000,000 | 901,000,000 | 1,011,000,000 | 1,114,000,000 | 970,000,000 | 1,014,000,000 | 1,148,000,000 | 982,000,000 | 923,000,000 | 786,000,000 | 757,000,000 | 596,000,000 | 272,000,000 | -111,000,000 | -9,000,000 | -177,000,000 | -396,000,000 | -573,000,000 | 37,000,000 | 571,000,000 | 969,000,000 | 1,876,000,000 | 730,000,000 | 604,000,000 | 603,000,000 | 525,000,000 | 679,000,000 | 560,000,000 | 528,000,000 | 499,000,000 | 596,000,000 | 531,000,000 | 404,000,000 | 337,000,000 | 404,000,000 | 319,000,000 | 285,000,000 | 227,000,000 | 361,000,000 | 309,000,000 | 285,000,000 | 235,000,000 | 265,000,000 | 282,000,000 | 250,000,000 | 308,000,000 | 282,000,000 | ||||||||||||||||||
processed revenue | 429,000,000 | 413,000,000 | 408,000,000 | 386,000,000 | 414,000,000 | 424,000,000 | 447,000,000 | 420,000,000 | 429,000,000 | 420,000,000 | 416,000,000 | 372,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
other fees and commissions | 680,000,000 | 632,000,000 | 560,000,000 | 520,000,000 | 516,000,000 | 478,000,000 | 449,000,000 | 720,000,000 | 832,000,000 | 825,000,000 | 837,000,000 | 803,000,000 | 788,000,000 | 798,000,000 | 786,000,000 | 781,000,000 | 790,000,000 | 767,000,000 | 752,000,000 | 713,000,000 | 677,000,000 | 694,000,000 | 702,000,000 | 680,000,000 | |||||||||||||||||||||||||||||||||||||||||||
marketing and business development | 2,713,000,000 | 2,355,000,000 | 2,219,000,000 | 1,766,000,000 | 1,858,000,000 | 1,822,000,000 | 1,362,000,000 | 1,705,000,000 | 1,950,000,000 | 1,818,000,000 | 1,773,000,000 | 1,573,000,000 | 1,820,000,000 | 1,642,000,000 | 1,663,000,000 | 1,345,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
provisions for losses | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
charge card | 248,000,000 | 238,000,000 | 224,000,000 | 253,000,000 | 236,000,000 | 214,000,000 | 245,000,000 | 242,000,000 | 205,000,000 | 214,000,000 | 163,000,000 | 213,000,000 | 200,000,000 | 174,000,000 | 153,000,000 | 169,000,000 | 195,000,000 | 203,000,000 | 165,000,000 | 174,000,000 | 196,000,000 | 183,000,000 | 215,000,000 | 199,000,000 | 194,000,000 | 201,000,000 | 195,000,000 | 531,000,000 | 163,000,000 | 178,000,000 | 174,000,000 | 161,000,000 | 198,000,000 | 89,000,000 | 96,000,000 | 227,000,000 | 143,000,000 | 237,000,000 | 336,000,000 | 351,000,000 | 241,000,000 | 345,000,000 | |||||||||||||||||||||||||
total provisions for losses | 1,024,000,000 | 879,000,000 | 861,000,000 | 809,000,000 | 954,000,000 | 817,000,000 | 806,000,000 | 775,000,000 | 833,000,000 | 769,000,000 | 584,000,000 | 573,000,000 | 625,000,000 | 504,000,000 | 463,000,000 | 434,000,000 | 572,000,000 | 529,000,000 | 467,000,000 | 420,000,000 | 488,000,000 | 489,000,000 | 485,000,000 | 528,000,000 | 492,000,000 | 593,000,000 | 497,000,000 | 1,352,000,000 | 461,000,000 | 412,000,000 | 249,000,000 | 357,000,000 | 97,000,000 | 373,000,000 | 652,000,000 | 943,000,000 | 1,178,000,000 | 1,584,000,000 | 1,803,000,000 | ||||||||||||||||||||||||||||
total revenues net of interest expense after provisions for losses | 10,341,000,000 | 10,110,000,000 | 9,977,000,000 | 9,555,000,000 | 9,520,000,000 | 9,327,000,000 | 9,196,000,000 | 8,943,000,000 | 8,006,000,000 | 7,667,000,000 | 7,723,000,000 | 7,316,000,000 | 7,397,000,000 | 7,270,000,000 | 7,772,000,000 | 7,654,000,000 | 7,819,000,000 | 7,664,000,000 | 7,817,000,000 | 7,530,000,000 | 7,841,000,000 | 8,168,000,000 | 7,714,000,000 | 8,019,000,000 | 7,809,000,000 | 7,652,000,000 | 7,384,000,000 | 22,089,000,000 | 7,504,000,000 | 7,202,000,000 | 7,322,000,000 | 7,261,000,000 | 6,934,000,000 | 6,660,000,000 | 6,206,000,000 | 5,663,000,000 | 4,838,000,000 | 4,508,000,000 | 4,123,000,000 | ||||||||||||||||||||||||||||
cash dividends declared per common share | 272,500 | 390,000 | 350,000 | 350,000 | 247,500 | 350,000 | 320,000 | 320,000 | 225,000 | 320,000 | 290,000 | 290,000 | 210,000 | 290,000 | 290,000 | 260,000 | 260,000 | 260,000 | 230,000 | 165,000 | 230,000 | 230,000 | 200,000 | 600,000 | 200,000 | 200,000 | 180,000 | 180,000 | 180,000 | 180,000 | 180,000 | 180,000 | 180,000 | 180,000 | 180,000 | 180,000 | 180,000 | 180,000 | |||||||||||||||||||||||||||||
marketing and promotion | 873,000,000 | 814,000,000 | 830,000,000 | 700,000,000 | 1,205,000,000 | 930,000,000 | 788,000,000 | 727,000,000 | 892,000,000 | 847,000,000 | 761,000,000 | 609,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
card member services and other | 406,000,000 | 363,000,000 | 349,000,000 | 321,000,000 | 292,000,000 | 278,000,000 | 281,000,000 | 282,000,000 | 246,000,000 | 269,000,000 | 242,000,000 | 261,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
travel commissions and fees | 78,000,000 | 87,000,000 | 95,000,000 | 89,000,000 | 104,000,000 | 500,000,000 | 423,000,000 | 491,000,000 | 490,000,000 | 495,000,000 | 437,000,000 | 1,437,000,000 | 521,000,000 | 451,000,000 | 480,000,000 | 523,000,000 | 454,000,000 | 487,000,000 | 434,000,000 | 386,000,000 | 383,000,000 | 407,000,000 | 365,000,000 | 499,000,000 | 573,000,000 | 494,000,000 | |||||||||||||||||||||||||||||||||||||||||
other commissions and fees | 626,000,000 | 640,000,000 | 632,000,000 | 619,000,000 | 642,000,000 | 624,000,000 | 618,000,000 | 626,000,000 | 610,000,000 | 605,000,000 | 573,000,000 | 1,739,000,000 | 575,000,000 | 583,000,000 | 604,000,000 | 584,000,000 | 529,000,000 | 515,000,000 | 497,000,000 | 500,000,000 | 448,000,000 | 439,000,000 | 453,000,000 | 573,000,000 | 590,000,000 | 622,000,000 | |||||||||||||||||||||||||||||||||||||||||
marketing, promotion, rewards and card member services | 2,709,000,000 | 2,950,000,000 | 2,417,000,000 | 2,714,000,000 | 2,643,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans | 364,000,000 | 275,000,000 | 753,000,000 | 277,000,000 | 212,000,000 | 48,000,000 | 176,000,000 | -120,000,000 | 262,000,000 | 540,000,000 | 688,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
marketing, promotion, rewards and cardmember services | 2,580,000,000 | 2,330,000,000 | 7,195,000,000 | 2,415,000,000 | 2,319,000,000 | 2,511,000,000 | 2,581,000,000 | 2,450,000,000 | 2,251,000,000 | 2,122,000,000 | 1,962,000,000 | 1,619,000,000 | 1,512,000,000 | 1,302,000,000 | 1,929,000,000 | 1,924,000,000 | 1,756,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
total | 16,567,000,000 | 5,625,000,000 | 5,429,000,000 | 5,611,000,000 | 5,496,000,000 | 5,202,000,000 | 5,020,000,000 | 4,611,000,000 | 4,411,000,000 | 3,920,000,000 | 4,090,000,000 | 3,579,000,000 | 6,248,000,000 | 6,530,000,000 | 6,201,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
pretax income from continuing operations | 5,522,000,000 | 1,879,000,000 | 1,765,000,000 | 1,640,000,000 | 1,595,000,000 | 1,252,000,000 | 918,000,000 | 418,000,000 | 544,000,000 | 1,078,000,000 | 766,000,000 | 1,354,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
income from continuing operations | 3,845,000,000 | 1,339,000,000 | 1,295,000,000 | 1,093,000,000 | 1,017,000,000 | 885,000,000 | 642,000,000 | 342,000,000 | 443,000,000 | 861,000,000 | 655,000,000 | 974,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
income from discontinued operations, net of tax | 36,000,000 | -2,000,000 | -5,000,000 | 17,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
earnings per common share — basic | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
income from continuing operations attributable to common shareholders | 3,330,000 | 1,160,000 | 1,080,000 | 910,000 | 840,000 | 740,000 | 540,000 | 90,000 | 320,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
income from discontinued operations | 30,000 | 20,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net income attributable to common shareholders | 3,330,000 | 1,160,000 | 1,110,000 | 910,000 | 840,000 | 740,000 | 540,000 | 90,000 | 310,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
earnings per common share — diluted | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
short-term borrowings | 6,000,000 | 5,000,000 | 5,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 2,000,000 | 7,000,000 | 27,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
professional services | 711,000,000 | 691,000,000 | 690,000,000 | 745,000,000 | 663,000,000 | 701,000,000 | 636,000,000 | 561,000,000 | 575,000,000 | 599,000,000 | 519,000,000 | 608,000,000 | 607,000,000 | 551,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
interest and fees on loans | 1,611,000,000 | 1,653,000,000 | 1,611,000,000 | 1,619,000,000 | 1,675,000,000 | 1,657,000,000 | 1,775,000,000 | 1,059,000,000 | 1,081,000,000 | 1,292,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
income before income tax provision | 1,732,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
earnings per common share: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
basic | 4,290,000 | 11,270,000 | 4,140,000 | 4,080,000 | 3,640,000 | 3,050,000 | 3,500,000 | 4,160,000 | 3,340,000 | 2,630,000 | 3,300,000 | 2,890,000 | 2,410,000 | 2,080,000 | 2,470,000 | 2,570,000 | 2,730,000 | 2,200,000 | 2,270,000 | 2,810,000 | 2,740,000 | 1,760,000 | 1,310,000 | 290,000 | 410,000 | 2,030,000 | 2,090,000 | 2,070,000 | 1,810,000 | 2,330,000 | 1,890,000 | 1,850,000 | 1,860,000 | -1,340,000 | 1,510,000 | 1,470,000 | 1,340,000 | 900,000 | 1,210,000 | 2,110,000 | 1,450,000 | 910,000 | 1,240,000 | 1,430,000 | 1,490,000 | 1,410,000 | 1,440,000 | 1,340,000 | 922,500 | 1,260,000 | 1,280,000 | 1,150,000 | 1,070,000 | 1,040,000 | 980,000 | ||||||||||||
diluted | 4,280,000 | 11,240,000 | 4,140,000 | 4,080,000 | 3,640,000 | 3,040,000 | 3,490,000 | 4,150,000 | 3,330,000 | 2,620,000 | 3,300,000 | 2,890,000 | 2,400,000 | 2,080,000 | 2,470,000 | 2,570,000 | 2,730,000 | 2,200,000 | 2,270,000 | 2,800,000 | 2,740,000 | 1,760,000 | 1,300,000 | 290,000 | 410,000 | 2,040,000 | 2,080,000 | 2,070,000 | 1,800,000 | 2,320,000 | 1,880,000 | 1,840,000 | 1,860,000 | -1,330,000 | 1,500,000 | 1,470,000 | 1,340,000 | 890,000 | 1,200,000 | 2,100,000 | 1,450,000 | 900,000 | 1,240,000 | 1,420,000 | 1,480,000 | 1,400,000 | 1,430,000 | 1,330,000 | 917,500 | 1,250,000 | 1,270,000 | 1,150,000 | 1,070,000 | 1,030,000 | 970,000 | ||||||||||||
securitization income | 71,000,000 | -2,000,000 | 141,000,000 | 200,000,000 | 227,000,000 | 444,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
earnings per common share – basic: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
earnings per common share – diluted: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember lending | 989,000,000 | 1,303,000,000 | 1,414,000,000 | 346,000,000 | 364,000,000 | 417,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
earnings per common share — basic: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
earnings per common share — diluted: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
long-term debt | 431,000,000 | 434,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember lending finance revenue | 1,521,000,000 | 1,521,000,000 | 1,625,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
total revenues | 8,007,000,000 | 8,340,000,000 | 8,105,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
charge card and other | 497,000,000 | 492,000,000 | 502,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
revenues net of interest expense | 7,164,000,000 | 7,484,000,000 | 7,186,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
human resources | 1,465,000,000 | 1,495,000,000 | 1,470,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
occupancy and equipment | 398,000,000 | 412,000,000 | 375,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
communications | 118,000,000 | 115,000,000 | 115,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
provisions for losses and benefits |
Balance Sheets:
Quarterly
Annual
| Unit: USD | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-12-31 | 2014-09-30 | 2014-06-30 | 2014-03-31 | 2013-12-31 | 2013-09-30 | 2013-06-30 | 2013-03-31 | 2012-09-30 | 2012-06-30 | 2012-03-31 | 2011-09-30 | 2011-06-30 | 2011-03-31 | 2010-09-30 | 2010-06-30 | 2010-03-31 | 2009-09-30 | 2009-06-30 | 2009-03-31 | 2008-09-30 | 2008-06-30 | 2008-03-31 |
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assets | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents | 15,556,000,000 | 20,091,000,000 | 19,489,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and due from banks | 3,186,000,000 | 3,559,000,000 | 3,234,000,000 | 3,120,000,000 | 3,024,000,000 | 3,413,000,000 | 3,205,000,000 | 6,674,000,000 | 6,264,000,000 | 7,118,000,000 | 5,082,000,000 | 3,379,000,000 | 3,105,000,000 | 5,510,000,000 | 3,012,000,000 | 3,304,000,000 | 3,011,000,000 | 1,292,000,000 | 2,944,000,000 | 2,671,000,000 | 2,662,000,000 | 2,984,000,000 | 2,105,000,000 | 2,043,000,000 | 2,286,000,000 | 3,402,000,000 | 3,169,000,000 | 4,700,000,000 | 4,026,000,000 | 3,253,000,000 | 4,323,000,000 | 3,423,000,000 | 3,627,000,000 | 5,148,000,000 | 2,820,000,000 | 2,709,000,000 | 2,459,000,000 | 3,278,000,000 | 2,524,000,000 | 2,811,000,000 | 2,761,000,000 | 2,935,000,000 | 2,613,000,000 | 2,442,000,000 | 2,286,000,000 | 2,300,000,000 | 2,643,000,000 | 2,493,000,000 | 2,212,000,000 | 2,190,000,000 | 3,873,000,000 | 3,433,000,000 | 3,817,000,000 | 3,053,000,000 | 3,063,000,000 | |||||||||||||
interest-bearing deposits in other banks | 50,281,000,000 | 43,491,000,000 | 50,201,000,000 | 54,620,000,000 | 49,223,000,000 | 37,006,000,000 | 44,593,000,000 | 46,033,000,000 | 47,880,000,000 | 39,312,000,000 | 38,742,000,000 | 38,869,000,000 | 37,524,000,000 | 28,097,000,000 | 27,167,000,000 | 22,291,000,000 | 22,896,000,000 | 20,548,000,000 | 24,864,000,000 | 26,702,000,000 | 37,405,000,000 | 29,824,000,000 | 30,817,000,000 | 39,325,000,000 | 33,662,000,000 | 20,392,000,000 | 21,081,000,000 | 22,100,000,000 | 29,110,000,000 | 24,026,000,000 | 25,856,000,000 | 26,207,000,000 | 27,315,000,000 | 27,709,000,000 | 22,059,000,000 | 26,363,000,000 | 25,497,000,000 | 20,779,000,000 | 21,899,000,000 | 19,569,000,000 | 16,716,000,000 | 18,490,000,000 | 20,933,000,000 | 18,772,000,000 | 17,909,000,000 | 16,776,000,000 | 19,867,000,000 | 19,029,000,000 | 24,294,000,000 | 21,158,000,000 | 18,949,000,000 | 23,804,000,000 | 22,608,000,000 | 20,361,000,000 | 19,549,000,000 | 18,784,000,000 | 18,423,000,000 | 18,893,000,000 | 6,356,000,000 | 6,129,000,000 | 7,128,000,000 | |||||||
short-term investment securities | 290,000,000 | 742,000,000 | 1,271,000,000 | 197,000,000 | 261,000,000 | 221,000,000 | 120,000,000 | 188,000,000 | 69,000,000 | 166,000,000 | 84,000,000 | 710,000,000 | 207,000,000 | 307,000,000 | 1,003,000,000 | 682,000,000 | 1,771,000,000 | 188,000,000 | 108,000,000 | 1,423,000,000 | 213,000,000 | 157,000,000 | 108,000,000 | 129,000,000 | 147,000,000 | 138,000,000 | 16,000,000 | 69,000,000 | 41,000,000 | 166,000,000 | 52,000,000 | 113,000,000 | 150,000,000 | 70,000,000 | 1,289,000,000 | 1,370,000,000 | 1,410,000,000 | 1,151,000,000 | 1,008,000,000 | 577,000,000 | 385,000,000 | 258,000,000 | 609,000,000 | 139,000,000 | 353,000,000 | 192,000,000 | 388,000,000 | 338,000,000 | 498,000,000 | 229,000,000 | 227,000,000 | 237,000,000 | 168,000,000 | 70,000,000 | 215,000,000 | 395,000,000 | 468,000,000 | 551,000,000 | 398,000,000 | 414,000,000 | 1,876,000,000 | 10,588,000,000 | 8,898,000,000 | 13,547,000,000 | ||||
total cash and cash equivalents | 53,757,000,000 | 47,792,000,000 | 54,706,000,000 | 57,937,000,000 | 52,508,000,000 | 40,640,000,000 | 47,918,000,000 | 52,895,000,000 | 54,213,000,000 | 46,596,000,000 | 43,908,000,000 | 42,958,000,000 | 40,836,000,000 | 33,914,000,000 | 31,182,000,000 | 26,277,000,000 | 27,678,000,000 | 22,028,000,000 | 27,916,000,000 | 30,796,000,000 | 40,280,000,000 | 32,965,000,000 | 33,030,000,000 | 41,497,000,000 | 36,095,000,000 | 23,932,000,000 | 24,266,000,000 | 26,869,000,000 | 33,177,000,000 | 27,445,000,000 | 30,231,000,000 | 29,743,000,000 | 31,092,000,000 | 32,927,000,000 | 26,168,000,000 | 30,442,000,000 | 29,366,000,000 | 25,208,000,000 | 26,520,000,000 | 33,767,000,000 | 25,045,000,000 | 22,762,000,000 | 19,938,000,000 | 21,071,000,000 | 23,572,000,000 | 21,264,000,000 | 18,430,000,000 | 20,740,000,000 | 19,486,000,000 | 22,286,000,000 | 23,129,000,000 | 27,964,000,000 | 21,341,000,000 | 20,687,000,000 | ||||||||||||||
card balances (includes gross amounts available to settle obligations of consolidated variable interest entities: 2026, 33,386; 2025, 33,378), less reserves for credit losses: 2026, 6,065; 2025, 6,089 | 207,247,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
card balances held for sale | 2,477,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other loans, less reserves | 10,535,000,000 | 10,605,000,000 | 10,231,000,000 | 9,831,000,000 | 9,434,000,000 | 9,038,000,000 | 8,306,000,000 | 8,017,000,000 | 7,465,000,000 | 6,960,000,000 | 6,483,000,000 | 6,235,000,000 | 5,818,000,000 | 5,357,000,000 | 4,797,000,000 | 3,983,000,000 | 3,264,000,000 | 2,859,000,000 | 2,349,000,000 | 2,154,000,000 | 2,133,000,000 | 2,614,000,000 | 3,144,000,000 | 4,129,000,000 | 4,954,000,000 | 4,626,000,000 | 4,340,000,000 | 4,059,000,000 | 3,965,000,000 | 3,676,000,000 | 3,431,000,000 | 3,108,000,000 | 2,872,000,000 | 2,607,000,000 | 2,268,000,000 | 1,855,000,000 | 1,635,000,000 | 1,419,000,000 | 1,157,000,000 | 1,132,000,000 | 1,186,000,000 | 1,254,000,000 | 1,054,000,000 | 1,012,000,000 | 951,000,000 | 855,000,000 | 703,000,000 | 651,000,000 | 608,000,000 | 526,000,000 | 532,000,000 | 541,000,000 | 500,000,000 | 478,000,000 | 465,000,000 | 359,000,000 | 377,000,000 | 390,000,000 | ||||||||||
investment securities | 2,625,000,000 | 1,043,000,000 | 1,374,000,000 | 1,258,000,000 | 1,110,000,000 | 1,240,000,000 | 1,268,000,000 | 1,210,000,000 | 2,232,000,000 | 2,186,000,000 | 3,160,000,000 | 4,087,000,000 | 3,964,000,000 | 4,578,000,000 | 4,539,000,000 | 4,065,000,000 | 4,058,000,000 | 2,591,000,000 | 9,589,000,000 | 12,443,000,000 | 21,270,000,000 | 21,631,000,000 | 22,443,000,000 | 19,942,000,000 | 5,032,000,000 | 8,406,000,000 | 8,445,000,000 | 8,542,000,000 | 6,457,000,000 | 4,647,000,000 | 6,071,000,000 | 4,753,000,000 | 3,388,000,000 | 3,159,000,000 | 3,250,000,000 | 3,360,000,000 | 3,561,000,000 | 3,157,000,000 | 3,728,000,000 | 3,892,000,000 | 3,839,000,000 | 3,759,000,000 | 3,947,000,000 | 4,584,000,000 | 4,417,000,000 | 4,750,000,000 | 4,855,000,000 | 4,761,000,000 | 5,016,000,000 | 5,137,000,000 | 5,262,000,000 | 5,793,000,000 | 6,060,000,000 | 6,326,000,000 | 6,679,000,000 | 9,269,000,000 | 9,429,000,000 | 10,502,000,000 | 17,170,000,000 | 17,328,000,000 | 18,341,000,000 | 23,798,000,000 | 22,319,000,000 | 18,204,000,000 | ||||
premises and equipment | 7,240,000,000 | 6,118,000,000 | 5,861,000,000 | 5,662,000,000 | 5,383,000,000 | 5,371,000,000 | 5,308,000,000 | 5,247,000,000 | 5,138,000,000 | 5,138,000,000 | 5,124,000,000 | 5,177,000,000 | 5,204,000,000 | 5,215,000,000 | 5,095,000,000 | 5,093,000,000 | 5,046,000,000 | 4,988,000,000 | 4,960,000,000 | 4,891,000,000 | 4,943,000,000 | 5,015,000,000 | 4,835,000,000 | 4,829,000,000 | 4,798,000,000 | 4,834,000,000 | 4,715,000,000 | 4,658,000,000 | 4,479,000,000 | 4,416,000,000 | 4,295,000,000 | 4,251,000,000 | 4,271,000,000 | 4,329,000,000 | 4,367,000,000 | 4,445,000,000 | 4,433,000,000 | 4,433,000,000 | 4,301,000,000 | 4,210,000,000 | 4,137,000,000 | 4,108,000,000 | 4,032,000,000 | 4,016,000,000 | 3,940,000,000 | 3,921,000,000 | 3,870,000,000 | 3,893,000,000 | 3,875,000,000 | 3,746,000,000 | 3,716,000,000 | 3,713,000,000 | 3,553,000,000 | 3,442,000,000 | 3,451,000,000 | 3,187,000,000 | 3,062,000,000 | 2,987,000,000 | 2,799,000,000 | 2,714,000,000 | 2,759,000,000 | 2,763,000,000 | 2,854,000,000 | |||||
other assets, less reserves | 25,013,000,000 | 24,263,000,000 | 23,185,000,000 | 22,550,000,000 | 21,067,000,000 | 21,179,000,000 | 20,333,000,000 | 19,835,000,000 | 19,241,000,000 | 19,114,000,000 | 20,004,000,000 | 18,224,000,000 | 17,752,000,000 | 17,689,000,000 | 18,467,000,000 | 17,540,000,000 | 16,877,000,000 | 17,244,000,000 | 17,182,000,000 | 17,402,000,000 | 17,008,000,000 | 17,679,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
total assets | 308,894,000,000 | 300,052,000,000 | 297,550,000,000 | 295,556,000,000 | 282,244,000,000 | 271,461,000,000 | 270,979,000,000 | 272,219,000,000 | 269,261,000,000 | 261,108,000,000 | 250,587,000,000 | 244,904,000,000 | 235,842,000,000 | 228,354,000,000 | 214,915,000,000 | 205,298,000,000 | 195,862,000,000 | 188,548,000,000 | 184,261,000,000 | 186,973,000,000 | 193,067,000,000 | 191,367,000,000 | 187,259,000,000 | 188,608,000,000 | 186,060,000,000 | 198,321,000,000 | 194,184,000,000 | 197,603,000,000 | 197,193,000,000 | 188,602,000,000 | 189,092,000,000 | 184,861,000,000 | 179,956,000,000 | 181,159,000,000 | 168,577,000,000 | 166,997,000,000 | 161,385,000,000 | 158,893,000,000 | 153,377,000,000 | 159,642,000,000 | 158,816,000,000 | 161,184,000,000 | 154,216,000,000 | 157,152,000,000 | 154,684,000,000 | 154,426,000,000 | 153,862,000,000 | 152,384,000,000 | 151,497,000,000 | 153,375,000,000 | 150,103,000,000 | 151,933,000,000 | 156,855,000,000 | 152,873,000,000 | 148,128,000,000 | 151,784,000,000 | 148,693,000,000 | 147,796,000,000 | 143,979,000,000 | 146,056,000,000 | 143,763,000,000 | 143,314,000,000 | 120,445,000,000 | 117,035,000,000 | 121,183,000,000 | 127,218,000,000 | 137,330,000,000 | 135,288,000,000 |
liabilities and shareholders’ equity | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
liabilities | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
customer deposits | 157,948,000,000 | 152,488,000,000 | 149,883,000,000 | 149,386,000,000 | 146,396,000,000 | 139,413,000,000 | 135,438,000,000 | 133,746,000,000 | 134,418,000,000 | 129,144,000,000 | 124,439,000,000 | 122,756,000,000 | 120,806,000,000 | 110,239,000,000 | 103,463,000,000 | 96,411,000,000 | 90,917,000,000 | 84,382,000,000 | 84,326,000,000 | 84,905,000,000 | 89,193,000,000 | 86,875,000,000 | 85,461,000,000 | 84,805,000,000 | 77,962,000,000 | 73,287,000,000 | 73,298,000,000 | 72,590,000,000 | 72,857,000,000 | 69,960,000,000 | 69,301,000,000 | 67,391,000,000 | 66,665,000,000 | 64,452,000,000 | 61,290,000,000 | 57,726,000,000 | 53,790,000,000 | 53,042,000,000 | 53,500,000,000 | 54,404,000,000 | 55,764,000,000 | 54,997,000,000 | 49,301,000,000 | 47,166,000,000 | 44,928,000,000 | 42,703,000,000 | 42,136,000,000 | 42,671,000,000 | 41,763,000,000 | 42,487,000,000 | 40,515,000,000 | 41,301,000,000 | 37,195,000,000 | 35,961,000,000 | 38,219,000,000 | 33,142,000,000 | 32,291,000,000 | 31,756,000,000 | 28,365,000,000 | 28,352,000,000 | 28,120,000,000 | |||||||
accounts payable | 14,635,000,000 | 14,700,000,000 | 14,708,000,000 | 14,121,000,000 | 13,564,000,000 | 13,884,000,000 | 13,162,000,000 | 13,145,000,000 | 13,411,000,000 | 13,109,000,000 | 13,196,000,000 | 12,359,000,000 | 12,526,000,000 | 12,133,000,000 | 11,021,000,000 | 11,371,000,000 | 11,196,000,000 | 10,574,000,000 | 9,641,000,000 | 9,708,000,000 | 8,585,000,000 | 9,444,000,000 | 8,232,000,000 | 7,731,000,000 | 7,977,000,000 | 12,738,000,000 | 12,866,000,000 | 16,518,000,000 | 16,162,000,000 | 12,255,000,000 | 15,605,000,000 | 13,800,000,000 | 14,038,000,000 | 14,657,000,000 | 12,240,000,000 | 12,106,000,000 | 11,700,000,000 | 11,190,000,000 | 11,372,000,000 | 11,729,000,000 | 12,027,000,000 | 11,822,000,000 | 11,340,000,000 | 11,056,000,000 | 10,643,000,000 | 11,510,000,000 | 11,645,000,000 | 11,844,000,000 | 10,615,000,000 | 11,361,000,000 | 14,313,000,000 | 14,230,000,000 | 13,093,000,000 | 11,768,000,000 | 11,377,000,000 | 10,585,000,000 | 10,931,000,000 | 10,118,000,000 | 10,510,000,000 | 9,503,000,000 | 9,195,000,000 | 8,780,000,000 | 8,286,000,000 | 8,070,000,000 | 9,639,000,000 | 9,705,000,000 | 9,071,000,000 | |
short-term borrowings | 1,692,000,000 | 1,371,000,000 | 1,446,000,000 | 1,493,000,000 | 1,559,000,000 | 1,374,000,000 | 1,457,000,000 | 1,639,000,000 | 1,742,000,000 | 1,293,000,000 | 1,613,000,000 | 1,583,000,000 | 1,724,000,000 | 1,348,000,000 | 1,515,000,000 | 1,984,000,000 | 2,122,000,000 | 2,243,000,000 | 2,253,000,000 | 1,864,000,000 | 1,578,000,000 | 1,878,000,000 | 1,716,000,000 | 1,567,000,000 | 3,497,000,000 | 6,442,000,000 | 2,818,000,000 | 2,827,000,000 | 2,028,000,000 | 3,100,000,000 | 2,292,000,000 | 1,972,000,000 | 1,852,000,000 | 3,278,000,000 | 2,352,000,000 | 3,426,000,000 | 3,600,000,000 | 5,581,000,000 | 2,861,000,000 | 2,343,000,000 | 2,596,000,000 | 4,812,000,000 | 3,160,000,000 | 4,486,000,000 | 2,361,000,000 | 3,382,000,000 | 3,436,000,000 | 2,821,000,000 | 5,021,000,000 | 3,247,000,000 | 2,961,000,000 | 3,359,000,000 | 4,027,000,000 | 3,553,000,000 | 3,758,000,000 | 3,649,000,000 | 3,702,000,000 | 3,375,000,000 | 1,919,000,000 | 2,609,000,000 | 1,931,000,000 | 2,202,000,000 | 2,198,000,000 | 2,867,000,000 | ||||
long-term debt | 58,750,000,000 | 56,387,000,000 | 57,787,000,000 | 58,202,000,000 | 51,236,000,000 | 49,715,000,000 | 53,546,000,000 | 51,521,000,000 | 48,826,000,000 | 47,866,000,000 | 46,447,000,000 | 46,725,000,000 | 41,138,000,000 | 42,573,000,000 | 42,393,000,000 | 40,495,000,000 | 38,337,000,000 | 38,675,000,000 | 34,483,000,000 | 37,363,000,000 | 42,019,000,000 | 42,952,000,000 | 44,777,000,000 | 48,797,000,000 | 52,588,000,000 | 57,835,000,000 | 58,474,000,000 | 57,736,000,000 | 58,418,000,000 | 58,423,000,000 | 55,300,000,000 | 55,883,000,000 | 52,461,000,000 | 55,804,000,000 | 48,762,000,000 | 51,945,000,000 | 51,647,000,000 | 46,990,000,000 | 44,894,000,000 | 50,649,000,000 | 47,311,000,000 | 48,061,000,000 | 48,653,000,000 | 52,740,000,000 | 54,712,000,000 | 55,712,000,000 | 54,836,000,000 | 54,095,000,000 | 55,330,000,000 | 52,529,000,000 | 52,675,000,000 | 56,366,000,000 | 56,271,000,000 | 55,953,000,000 | 56,844,000,000 | 61,767,000,000 | 61,395,000,000 | 60,730,000,000 | 68,828,000,000 | 69,345,000,000 | 72,293,000,000 | 52,850,000,000 | 53,516,000,000 | 57,620,000,000 | 57,797,000,000 | 57,035,000,000 | 55,534,000,000 | |
other liabilities | 41,874,000,000 | 41,632,000,000 | 41,309,000,000 | 40,043,000,000 | 38,287,000,000 | 36,811,000,000 | 37,669,000,000 | 42,628,000,000 | 42,100,000,000 | 41,639,000,000 | 37,568,000,000 | 34,778,000,000 | 33,656,000,000 | 37,350,000,000 | 32,583,000,000 | 31,802,000,000 | 30,907,000,000 | 30,497,000,000 | 29,132,000,000 | 27,594,000,000 | 27,243,000,000 | 27,234,000,000 | 25,204,000,000 | 24,646,000,000 | 23,030,000,000 | 24,948,000,000 | 21,839,000,000 | 22,826,000,000 | 23,287,000,000 | 20,279,000,000 | 23,064,000,000 | 22,701,000,000 | 22,892,000,000 | 22,148,000,000 | 20,482,000,000 | 18,116,000,000 | 17,007,000,000 | 18,777,000,000 | 17,077,000,000 | 17,002,000,000 | 17,380,000,000 | 17,572,000,000 | 17,383,000,000 | 16,594,000,000 | 16,846,000,000 | 16,800,000,000 | 16,400,000,000 | 16,246,000,000 | 16,910,000,000 | 17,175,000,000 | 18,310,000,000 | 18,077,000,000 | 18,355,000,000 | 17,119,000,000 | 16,951,000,000 | 16,395,000,000 | 16,039,000,000 | 15,244,000,000 | 15,104,000,000 | 14,030,000,000 | 12,821,000,000 | 13,061,000,000 | 13,519,000,000 | 12,809,000,000 | 14,374,000,000 | 14,741,000,000 | 14,316,000,000 | |
total liabilities | 274,899,000,000 | 266,578,000,000 | 265,133,000,000 | 263,245,000,000 | 251,042,000,000 | 241,197,000,000 | 241,272,000,000 | 242,679,000,000 | 240,497,000,000 | 233,051,000,000 | 223,263,000,000 | 218,201,000,000 | 209,850,000,000 | 203,643,000,000 | 190,975,000,000 | 182,063,000,000 | 173,479,000,000 | 166,371,000,000 | 159,835,000,000 | 161,434,000,000 | 168,618,000,000 | 168,383,000,000 | 165,390,000,000 | 167,546,000,000 | 165,054,000,000 | 175,250,000,000 | 171,159,000,000 | 174,511,000,000 | 174,975,000,000 | 166,312,000,000 | 167,632,000,000 | 163,969,000,000 | 160,343,000,000 | 162,932,000,000 | 147,492,000,000 | 145,822,000,000 | 140,450,000,000 | 138,392,000,000 | 132,360,000,000 | 138,930,000,000 | 138,089,000,000 | 140,511,000,000 | 132,881,000,000 | 135,267,000,000 | 132,854,000,000 | 133,646,000,000 | 132,171,000,000 | 131,520,000,000 | 133,879,000,000 | 130,887,000,000 | 132,899,000,000 | 137,565,000,000 | 133,395,000,000 | 128,861,000,000 | 131,877,000,000 | 130,593,000,000 | 129,591,000,000 | 126,497,000,000 | 130,136,000,000 | 129,250,000,000 | 129,889,000,000 | 106,502,000,000 | 103,615,000,000 | 105,403,000,000 | 114,699,000,000 | 125,061,000,000 | 123,777,000,000 | |
contingencies | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
shareholders’ equity | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2026 and december 31, 2025 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common shares, ... | 137,000,000 | 138,000,000 | 138,000,000 | 140,000,000 | 140,000,000 | 141,000,000 | 141,000,000 | 143,000,000 | 144,000,000 | 145,000,000 | 146,000,000 | 148,000,000 | 149,000,000 | 149,000,000 | 150,000,000 | 151,000,000 | 151,000,000 | 153,000,000 | 156,000,000 | 160,000,000 | 161,000,000 | 161,000,000 | 161,000,000 | 161,000,000 | 161,000,000 | 163,000,000 | 165,000,000 | 167,000,000 | 168,000,000 | 170,000,000 | 171,000,000 | 173,000,000 | 172,000,000 | 172,000,000 | 175,000,000 | 177,000,000 | 179,000,000 | 181,000,000 | 184,000,000 | 185,000,000 | 191,000,000 | 194,000,000 | 197,000,000 | 201,000,000 | 204,000,000 | 207,000,000 | 210,000,000 | 212,000,000 | 213,000,000 | 215,000,000 | 217,000,000 | 220,000,000 | 224,000,000 | 228,000,000 | 233,000,000 | 233,000,000 | 238,000,000 | 240,000,000 | 237,000,000 | |||||||||
additional paid-in capital | 11,081,000,000 | 11,126,000,000 | 11,059,000,000 | 11,052,000,000 | 11,037,000,000 | 11,370,000,000 | 11,295,000,000 | 11,332,000,000 | 11,354,000,000 | 11,372,000,000 | 11,401,000,000 | 11,509,000,000 | 11,522,000,000 | 11,493,000,000 | 11,482,000,000 | 11,476,000,000 | 11,451,000,000 | 11,495,000,000 | 12,401,000,000 | 11,858,000,000 | 11,878,000,000 | 11,881,000,000 | 11,818,000,000 | 11,760,000,000 | 11,680,000,000 | 11,774,000,000 | 11,869,000,000 | 11,980,000,000 | 11,963,000,000 | 12,218,000,000 | 12,272,000,000 | 12,306,000,000 | 12,225,000,000 | 12,210,000,000 | 12,318,000,000 | 12,456,000,000 | 12,593,000,000 | 12,733,000,000 | 12,790,000,000 | 12,868,000,000 | 13,089,000,000 | 13,348,000,000 | 13,487,000,000 | 13,639,000,000 | 13,670,000,000 | 12,216,000,000 | 12,247,000,000 | 12,337,000,000 | 12,202,000,000 | 12,193,000,000 | 12,242,000,000 | 12,220,000,000 | 12,166,000,000 | 12,273,000,000 | 12,436,000,000 | 12,150,000,000 | 12,281,000,000 | 12,189,000,000 | 11,715,000,000 | 11,586,000,000 | 11,302,000,000 | 11,015,000,000 | 11,155,000,000 | 10,586,000,000 | 10,459,000,000 | 10,394,000,000 | 10,286,000,000 | |
retained earnings | 26,088,000,000 | 25,487,000,000 | 24,469,000,000 | 24,367,000,000 | 23,391,000,000 | 22,148,000,000 | 21,466,000,000 | 21,265,000,000 | 20,421,000,000 | 19,612,000,000 | 18,953,000,000 | 18,130,000,000 | 17,427,000,000 | 16,279,000,000 | 15,685,000,000 | 14,751,000,000 | 13,754,000,000 | 13,474,000,000 | 14,832,000,000 | 16,402,000,000 | 15,308,000,000 | 13,837,000,000 | 12,762,000,000 | 12,052,000,000 | 12,161,000,000 | 13,871,000,000 | 13,652,000,000 | 13,551,000,000 | 12,686,000,000 | 12,499,000,000 | 11,521,000,000 | 10,896,000,000 | 9,597,000,000 | 8,273,000,000 | 10,908,000,000 | 10,970,000,000 | 10,633,000,000 | 10,371,000,000 | 10,661,000,000 | 10,280,000,000 | 9,949,000,000 | 9,665,000,000 | 10,025,000,000 | 10,199,000,000 | 10,107,000,000 | 9,335,000,000 | 9,127,000,000 | 8,822,000,000 | 8,507,000,000 | 8,147,000,000 | 7,883,000,000 | 7,830,000,000 | 7,923,000,000 | 7,717,000,000 | 8,015,000,000 | 6,520,000,000 | 6,437,000,000 | 5,902,000,000 | 4,582,000,000 | 3,724,000,000 | 2,925,000,000 | 3,247,000,000 | 2,931,000,000 | 3,044,000,000 | 2,694,000,000 | 2,094,000,000 | 1,654,000,000 | |
accumulated other comprehensive income | -3,311,000,000 | -3,277,000,000 | -3,249,000,000 | -3,248,000,000 | -3,366,000,000 | -3,395,000,000 | -3,195,000,000 | -3,200,000,000 | -3,155,000,000 | -3,072,000,000 | -3,176,000,000 | -3,084,000,000 | -3,106,000,000 | -3,210,000,000 | -3,377,000,000 | -3,143,000,000 | -2,973,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
total shareholders’ equity | 33,995,000,000 | 33,474,000,000 | 32,417,000,000 | 32,311,000,000 | 31,202,000,000 | 30,264,000,000 | 29,707,000,000 | 29,540,000,000 | 28,764,000,000 | 28,057,000,000 | 27,324,000,000 | 26,703,000,000 | 25,992,000,000 | 24,711,000,000 | 23,940,000,000 | 23,235,000,000 | 22,383,000,000 | 22,177,000,000 | 24,426,000,000 | 25,539,000,000 | 24,449,000,000 | 22,984,000,000 | 21,869,000,000 | 21,062,000,000 | 21,006,000,000 | 23,071,000,000 | 23,025,000,000 | 23,092,000,000 | 22,218,000,000 | 22,290,000,000 | 21,460,000,000 | 20,892,000,000 | 19,613,000,000 | 18,227,000,000 | 21,085,000,000 | 21,175,000,000 | 20,935,000,000 | 20,501,000,000 | 21,017,000,000 | 20,712,000,000 | 20,727,000,000 | 20,673,000,000 | 21,335,000,000 | 21,885,000,000 | 21,830,000,000 | 20,216,000,000 | 20,213,000,000 | 19,977,000,000 | 19,496,000,000 | 19,216,000,000 | 19,034,000,000 | 19,290,000,000 | 19,478,000,000 | 19,267,000,000 | 19,907,000,000 | 18,100,000,000 | 18,205,000,000 | 17,482,000,000 | 15,920,000,000 | 14,513,000,000 | 13,425,000,000 | 13,943,000,000 | 13,420,000,000 | 15,780,000,000 | 12,519,000,000 | 12,269,000,000 | 11,511,000,000 | |
total liabilities and shareholders’ equity | 308,894,000,000 | 300,052,000,000 | 297,550,000,000 | 295,556,000,000 | 282,244,000,000 | 271,461,000,000 | 270,979,000,000 | 272,219,000,000 | 269,261,000,000 | 261,108,000,000 | 250,587,000,000 | 244,904,000,000 | 235,842,000,000 | 228,354,000,000 | 214,915,000,000 | 205,298,000,000 | 195,862,000,000 | 188,548,000,000 | 184,261,000,000 | 186,973,000,000 | 193,067,000,000 | 191,367,000,000 | 187,259,000,000 | 188,608,000,000 | 186,060,000,000 | 198,321,000,000 | 194,184,000,000 | 197,603,000,000 | 197,193,000,000 | 188,602,000,000 | 189,092,000,000 | 184,861,000,000 | 179,956,000,000 | 181,159,000,000 | 168,577,000,000 | 166,997,000,000 | 161,385,000,000 | 158,893,000,000 | 153,377,000,000 | 159,642,000,000 | 158,816,000,000 | 161,184,000,000 | 154,216,000,000 | 157,152,000,000 | 154,684,000,000 | 153,862,000,000 | 152,384,000,000 | 151,497,000,000 | 153,375,000,000 | 150,103,000,000 | 151,933,000,000 | 156,855,000,000 | 152,873,000,000 | 148,128,000,000 | 151,784,000,000 | 148,693,000,000 | 147,796,000,000 | 143,979,000,000 | 146,056,000,000 | 143,763,000,000 | 143,314,000,000 | 120,445,000,000 | 117,035,000,000 | 121,183,000,000 | 127,218,000,000 | 137,330,000,000 | 135,288,000,000 | |
card member receivables | 61,851,000,000 | 60,823,000,000 | 59,405,000,000 | 58,355,000,000 | 59,240,000,000 | 58,886,000,000 | 59,485,000,000 | 59,624,000,000 | 60,237,000,000 | 58,651,000,000 | 58,011,000,000 | 57,271,000,000 | 57,384,000,000 | 55,116,000,000 | 55,900,000,000 | 53,088,000,000 | 53,581,000,000 | 48,728,000,000 | 47,512,000,000 | 41,800,000,000 | 43,434,000,000 | 40,389,000,000 | 37,034,000,000 | 44,269,000,000 | 56,794,000,000 | 56,010,000,000 | 58,092,000,000 | 56,227,000,000 | 55,320,000,000 | 54,972,000,000 | 54,424,000,000 | 53,676,000,000 | 53,526,000,000 | 51,002,000,000 | 48,930,000,000 | 47,154,000,000 | 46,841,000,000 | 44,821,000,000 | 44,800,000,000 | 44,027,000,000 | 43,671,000,000 | 43,890,000,000 | 44,459,000,000 | 43,274,000,000 | 44,685,000,000 | 44,893,000,000 | 44,240,000,000 | 43,777,000,000 | 43,068,000,000 | |||||||||||||||||||
card member loans | 145,923,000,000 | 138,946,000,000 | 136,508,000,000 | 133,611,000,000 | 133,995,000,000 | 128,960,000,000 | 125,530,000,000 | 121,348,000,000 | 120,877,000,000 | 113,257,000,000 | 110,212,000,000 | 104,997,000,000 | 104,217,000,000 | 95,719,000,000 | 92,440,000,000 | 85,851,000,000 | 85,257,000,000 | 73,537,000,000 | 71,775,000,000 | 65,633,000,000 | 68,029,000,000 | 63,918,000,000 | 64,431,000,000 | 72,464,000,000 | 84,998,000,000 | 81,423,000,000 | 81,062,000,000 | 78,874,000,000 | 79,720,000,000 | 75,666,000,000 | 73,579,000,000 | 71,034,000,000 | 71,693,000,000 | 66,376,000,000 | 64,651,000,000 | 62,320,000,000 | 11,689,000,000 | 14,992,000,000 | 67,731,000,000 | 67,823,000,000 | 65,705,000,000 | 64,911,000,000 | 65,168,000,000 | 62,825,000,000 | 65,977,000,000 | 61,689,000,000 | ||||||||||||||||||||||
contingencies, commitments and guarantees | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2025 and 2024 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of september 30, 2025 and december 31, 2024 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2025 and december 31, 2024 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2025 and december 31, 2024 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
contingencies and commitments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2024 and 2023 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of september 30, 2024 and december 31, 2023 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2024 and december 31, 2023 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2024 and december 31, 2023 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2023 and 2022 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of september 30, 2023 and december 31, 2022 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2023 and december 31, 2022 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2023 and december 31, 2022 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2022 and 2021 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of september 30, 2022 and december 31, 2021 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2022 and december 31, 2021 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2022 and december 31, 2021 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2021 and 2020 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2021, 7; 2020, 20 | 23,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2021, | -2,392,000,000 | -2,310,000,000 | -2,227,000,000 | -2,246,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefits, net of tax of: 2021, | -576,000,000 | -687,000,000 | -696,000,000 | -705,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
total accumulated other comprehensive income | -2,945,000,000 | -2,963,000,000 | -2,881,000,000 | -2,898,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 2,350 shares as of september 30, 2021 and 1,600 shares as of december 31, 2020 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2021, 11; 2020, 20 | 34,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2021 and december 31, 2020 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2021, 14; 2020, 20 | 42,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2021 and december 31, 2020 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2021, 17; 2020, 20 | 53,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2020 and 2019 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive loss | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2020, 20; 2019, 11 | 65,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2020, | -2,229,000,000 | -2,348,000,000 | -2,388,000,000 | -2,511,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefits, net of tax of: 2020, | -731,000,000 | -600,000,000 | -608,000,000 | -575,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
total accumulated other comprehensive loss | -2,895,000,000 | -2,872,000,000 | -2,911,000,000 | -2,996,000,000 | -2,737,000,000 | -2,661,000,000 | -2,599,000,000 | -2,597,000,000 | -2,504,000,000 | -2,483,000,000 | -2,381,000,000 | -2,428,000,000 | -2,316,000,000 | -2,428,000,000 | -2,470,000,000 | -2,784,000,000 | -2,621,000,000 | -2,502,000,000 | -2,534,000,000 | -2,374,000,000 | -2,154,000,000 | -1,426,000,000 | -803,000,000 | -751,000,000 | -849,000,000 | -617,000,000 | -1,036,000,000 | -1,040,000,000 | -556,000,000 | -905,000,000 | ||||||||||||||||||||||||||||||||||||||
other assets (includes restricted cash of consolidated variable interest entities: 2020, 2,065; 2019, 85), less reserves for credit losses: 2020, 85; 2019, 27 | 19,500,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of september 30, 2020 and december 31, 2019 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2020, 24; 2019, 11 | 76,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other assets (includes restricted cash of consolidated variable interest entities: 2020, 61; 2019, 85), less reserves for credit losses: 2020, 94; 2019, 27 | 16,746,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2020 and december 31, 2019 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2020, 27; 2019, 11 | 85,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other assets | 18,448,000,000 | 14,731,000,000 | 12,139,000,000 | 11,148,000,000 | 10,886,000,000 | 10,471,000,000 | 11,266,000,000 | 11,762,000,000 | 10,429,000,000 | 9,755,000,000 | 12,445,000,000 | 10,482,000,000 | 10,104,000,000 | 10,561,000,000 | 10,836,000,000 | 10,348,000,000 | 9,866,000,000 | 10,069,000,000 | 11,107,000,000 | 11,382,000,000 | 10,471,000,000 | 10,845,000,000 | 10,712,000,000 | 11,253,000,000 | 11,228,000,000 | 10,222,000,000 | 10,647,000,000 | 11,821,000,000 | 12,144,000,000 | 12,459,000,000 | 11,780,000,000 | 11,977,000,000 | 12,274,000,000 | 12,445,000,000 | 13,432,000,000 | 13,173,000,000 | 12,499,000,000 | 11,818,000,000 | 11,891,000,000 | 12,462,000,000 | 10,098,000,000 | 9,273,000,000 | 9,370,000,000 | |||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2020 and december 31, 2019 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2020, 29; 2019, 11 | 90,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2019 and 2018 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2019, 11; 2018, | 33,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2019, | -2,189,000,000 | -2,220,000,000 | -2,125,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefits, net of tax of: 2019, | -581,000,000 | -479,000,000 | -483,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
accounts receivable | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2019, 22; 2018, 25 | 2,846,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
loans | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
travelers cheques and other prepaid products | 1,864,000,000 | 2,014,000,000 | 2,223,000,000 | 2,295,000,000 | 2,070,000,000 | 2,222,000,000 | 2,435,000,000 | 2,593,000,000 | 2,366,000,000 | 2,503,000,000 | 2,706,000,000 | 2,812,000,000 | 2,656,000,000 | 2,803,000,000 | 3,011,000,000 | 3,247,000,000 | 3,044,000,000 | 3,225,000,000 | 3,364,000,000 | 3,539,000,000 | 3,718,000,000 | 3,843,000,000 | 4,240,000,000 | 4,088,000,000 | 4,125,000,000 | 4,232,000,000 | ||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of september 30, 2019 and december 31, 2018 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2019, 13; 2018, | 38,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2019, 27; 2018, 25 | 3,173,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2019 and december 31, 2018 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2019, 12; 2018, | 35,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2019, 25; 2018, 25 | 3,128,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2019 and december 31, 2018 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities gains, net of tax of: 2019, 3; 2018, | 9,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2018, 25; 2017, 31 | 2,907,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2018 and 2017 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities losses, net of tax of: 2018,; 2017, 1 | -8,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2018, | -2,133,000,000 | -2,046,000,000 | -2,027,000,000 | -1,931,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefits, net of tax of: 2018, | -456,000,000 | -429,000,000 | -438,000,000 | -439,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2018, 29; 2017, 31 | 3,160,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of september 30, 2018 and december 31, 2017 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized debt securities losses, net of tax of: 2018, ; 2017, 1 | -29,000,000 | -18,000,000 | -11,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2018, 30; 2017, 31 | 3,241,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2018 and december 31, 2017 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2018, 31; 2017, 31 | 3,194,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2018 and december 31, 2017 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2017, 31; 2016, 45 | 3,163,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2017 and 2016 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2017,1; 2016, 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2017, (363); 2016, 24 | -1,961,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefits, net of tax of: 2017, | -467,000,000 | -521,000,000 | -528,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2017, 32; 2016, 45 | 2,701,000,000 | 2,832,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of september 30, 2017 and december 31, 2016 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2017, 7; 2016, 5 | 11,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2017, (486); 2016, 24 | -1,806,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2017 and december 31, 2016 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2017, 8; 2016, 5 | 13,000,000 | 13,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2017, (362); 2016, 24 | -1,913,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2017, 40; 2016, 45 | 2,812,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2017 and december 31, 2016 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2017, (307); 2016, 24 | -1,946,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax of: 2017, | -537,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2016, 45; 2015, 43 | 3,232,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2016 and 2015 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2016, 5; 2015, 32 | 7,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2016, 24; 2015, | -2,262,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax of: 2016, | -529,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
interest-bearing deposits in banks | 22,988,000,000 | 30,379,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2016, 48; 2015, 43 | 2,510,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
commitments and contingencies | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of september 30, 2016 and december 31, 2015 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2016, 25; 2015, 32 | 50,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2016, | -2,170,000,000 | -2,040,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax: 2016, | -516,000,000 | -522,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2016, 50; 2015, 43 | 2,697,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2016 and december 31, 2015 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2016, 34; 2015, 32 | 65,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2016, 44; 2015, 43 | 2,633,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2016 and december 31, 2015 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2016, 32; 2015, 32 | 60,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2015, 43; 2014, 61 | 3,024,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of december 31, 2015 and 750 shares as of december 31, 2014 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2015, 32; 2014, 52 | 58,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2015, | -2,044,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax of: 2015, | -548,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2015, 61; 2014, 61 | 2,517,000,000 | 2,805,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of september 30, 2015, and 750 shares as of december 31, 2014 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2015, 39; 2014, 52 | 69,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2015, | -1,963,000,000 | -1,743,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax: 2015, | -480,000,000 | -487,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of june 30, 2015, and 750 shares as of december 31, 2014 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2015, 41; 2014, 52 | 76,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2015, 56; 2014, 61 | 2,354,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of march 31, 2015 and 750 shares as of december 31, 2014 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2015, 51; 2014, 52 | 96,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
years ended december 31, | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
non-interest-earning assets | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
u.s. | 2,125,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
non-u.s. | 671,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
reserves for card member and other loans losses | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
total non-interest-earning assets | 63,331,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
percentage of total average assets attributable to non-u.s. activities | 25,700,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
averages based on month end balances. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2014, 44; 2013, 71 | 2,631,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2014, 52; 2013, 33 | 94,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2014, | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax of: 2014, | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
interest bearing deposits in other banks | 15,399,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2014, 59; 2013, 71 | 3,753,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2014, 57; 2013, 33 | 105,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2014, 66; 2013, 71 | 3,134,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2014, 56; 2013, 33 | 102,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2013, 71; 2012, 86 | 3,408,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2013, 33; 2012, 175 | 63,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2013, | -1,090,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax of: 2013, | -399,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2013, 77; 2012, 86 | 3,429,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2013, 55; 2012, 175 | 105,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables available to settle obligations of consolidated variable interest entities: 2013, 7,117; 2012, 8,012), less reserves: 2013, 386; 2012, 428 | 43,711,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2013, 84; 2012, 86 | 3,204,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans (includes gross loans available to settle obligations of a consolidated variable interest entity: 2013, 30,098; 2012, 32,731), less reserves: 2013, 1,342; 2012, 1,471 | 61,732,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2013, 85; 2012, 175 | 153,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity: 2013, 6,950; 2012, 8,012), less reserves: 2013, 410; 2012, 428 | 42,961,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2013, 86; 2012, 86 | 3,143,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans (includes gross loans available to settle obligations of a consolidated variable interest entity: 2013, 30,063; 2012, 32,731), less reserves: 2013, 1,367; 2012, 1,471 | 60,919,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2013, 157; 2012, 175 | 280,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
total | 25,143,000,000 | 22,072,000,000 | 27,082,000,000 | 24,945,000,000 | 23,082,000,000 | 22,027,000,000 | 21,098,000,000 | 18,648,000,000 | 15,615,000,000 | 20,797,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity: 2012, 7,070; 2011, 8,027), less reserves: 2012, 409; 2011, 438 | 41,910,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2012, 85; 2011, 102 | 3,272,000,000 | 2,771,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans (includes gross loans available to settle obligations of a consolidated variable interest entity: 2012, 31,043; 2011, 33,834), less reserves: 2012, 1,459; 2011, 1,874 | 60,291,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
travelers cheques outstanding | 4,454,000,000 | 4,507,000,000 | 4,728,000,000 | 5,055,000,000 | 5,233,000,000 | 5,274,000,000 | 5,410,000,000 | 5,411,000,000 | 5,529,000,000 | 5,746,000,000 | 5,968,000,000 | 5,917,000,000 | 6,501,000,000 | 6,915,000,000 | 6,854,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2012, 192; 2011, 168 | 340,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax of: 2012, —; 2011, | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax of: 2012, | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax of: 2012, | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity: 2012, 7,235; 2011, 8,027), less reserves: 2012, 392; 2011, 438 | 41,148,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans (includes gross loans available to settle obligations of a consolidated variable interest entity: 2012, 31,522; 2011, 33,834), less reserves: 2012, 1,547; 2011, 1,874 | 59,432,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2012, 182; 2011, 168 | 319,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax of: 2012, ; 2011, | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity: 2012, 7,131; 2011, 8,027), less reserves: 2012, 424; 2011, 438 | 41,083,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2012, 88; 2011, 102 | 2,827,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans (includes gross loans available to settle obligations of a consolidated variable interest entity: 2012, 31,389; 2011, 33,834), less reserves: 2012, 1,680; 2011, 1,874 | 58,417,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax of: 2012, 181; 2011, 168 | 308,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash due from banks | 1,942,000,000 | 2,253,000,000 | 1,927,000,000 | 2,159,000,000 | 1,850,000,000 | 329,000,000 | 1,704,000,000 | 588,000,000 | 122,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity: 2011, 7,115; 2010, 8,192), less reserves: 2011, 388; 2010, 386 | 39,371,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2011, 111; 2010, 175 | 3,517,000,000 | 3,655,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans (includes gross loans available to settle obligations of a consolidated variable interest entity: 2011, 31,574; 2010, 34,726), less reserves: 2011, 2,139; 2010, 3,646 | 56,068,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2011, 156; 2010, | 262,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax: 2011, —; 2010, 4 | -1,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2011, 459; 2010, 405 | -619,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax: 2011, 214; 2010, 226 | -445,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity: 2011, 7,500; 2010, 8,192), less reserves: 2011, 415; 2010, 386 | 39,728,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans, (includes gross loans available to settle obligations of a consolidated variable interest entity: 2011, 32,137; 2010, 34,726), less reserves: 2011, 2,560; 2010, 3,646 | 56,189,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2011, | 149,000,000 | 58,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax: 2011, 1; 2010, 4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2011, 577; 2010, 405 | -441,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax: 2011, 228; 2010, 226 | -459,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity: 2011, 7,256; 2010, 8,192), less reserves: 2011, 421; 2010, 386 | 37,229,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2011, 145; 2010, 175 | 3,557,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans, (includes gross loans available to settle obligations of a consolidated variable interest entity: 2011, 32,033; 2010, 34,726), less reserves: 2011, 2,921; 2010, 3,646 | 54,842,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax: 2011, 3; 2010, 4 | -3,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2011, 525; 2010, 405 | -437,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit losses, net of tax: 2011, 232; 2010, 226 | -467,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables of a consolidated variable interest entity: 2010, 7,078; 2009, 8,314), less reserves: 2010, 364; 2009, 546 | 34,751,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2010, 182; 2009, 109 | 3,281,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans (includes gross loans of a consolidated variable interest entity: 2010, 33,010)(a), less reserves: 2010, 4,318; 2009, 3,268 | 52,892,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other, less reserves: 2010, 25; 2009, 27 | 390,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common shares, .20 par value, authorized 3.6 billion shares; issued and outstanding 1,204 million shares in 2010 and 1,192 million shares in 2009 | 240,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive loss, net of tax: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2010, | 305,000,000 | 201,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax: 2010, 6; 2009, 15 | -12,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2010, 380; 2009, 31 | -480,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit costs, net of tax: 2010 215; 2009, 244 | -430,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables of a consolidated variable interest entity: 2010, 7,582; 2009, 8,314), less reserves: 2010, 440; 2009, 546 | 34,188,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2010, 184; 2009, 109 | 2,858,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans (includes gross loans of a consolidated variable interest entity: 2010, 33,510)(a), less reserves: 2010, 4,866; 2009, 3,268 | 52,406,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other, less reserves: 2010, 24; 2009, 27 | 409,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common shares, .20 par value, authorized 3.6 billion shares; issued and outstanding 1,202 million shares in 2010 and 1,192 million shares in 2009 | 239,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax: 2010, 9; 2009, 15 | -16,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2010, 40; 2009, 31 | -787,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit costs, net of tax: 2010 216; 2009, 244 | -434,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables (includes gross receivables of a consolidated variable interest entity: 2010, 7,348; 2009, 8,314), less reserves: 2010, 498; 2009, 546 | 33,197,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2010, 156; 2009, 109 | 2,727,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember loans (includes gross loans of a consolidated variable interest entity: 2010, 33,968)(a), less reserves: 2010, 5,314; 2009, 3,268 | 52,281,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other, less reserves: 2010, 27; 2009, 27 | 440,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
2010, 4,248; 2009, 4,130 | 2,731,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common shares, .20 par value, authorized 3.6 billion shares; issued and outstanding 1,197 million shares in 2010 and 1,192 million shares in 2009 | 238,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities losses, net of tax: 2010, | 176,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax: 2010, 12; 2009, 15 | -21,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2010, 34; 2009, 31 | -753,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit costs, net of tax: 2010 220; 2009, 244 | -442,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables, less reserves: 2009, 599; 2008, 810 | 31,528,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2009, 118; 2008, 118 | 3,267,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember lending, less reserves: 2009, 3,359; 2008, 2,570 | 28,116,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other, less reserves: 2009, 30; 2008, 39 | 511,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
assets of discontinued operations | 19,000,000 | 208,000,000 | 670,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
customers’ deposits | 23,863,000,000 | 20,128,000,000 | 18,101,000,000 | 11,866,000,000 | 14,846,000,000 | 13,995,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
liabilities of discontinued operations | 19,000,000 | 620,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2009, (332); 2008, 458 | 587,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax: 2009, 21; 2008, 44 | -38,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2009, 35; 2008, 64 | -679,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit costs, net of tax: 2009 212; 2008, 216 | -426,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables, less reserves: 2009, 714; 2008, 810 | 30,728,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2009, 122; 2008, 118 | 3,913,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember lending, less reserves: 2009, 3,219; 2008, 2,570 | 29,238,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other, less reserves: 2009, 31; 2008, 39 | 549,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common shares, .20 par value, authorized 3.6 billion shares; issued and outstanding 1,189 million shares in 2009 and 1,160 million shares in 2008 | 239,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains, net of tax: 2009, ; 2008, 458 | 33,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax: 2009, 27; 2008, 44 | -49,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2009, 45; 2008, 64 | -459,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit costs, net of tax: 2009 216; 2008, 216 | -430,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables, less reserves: 2009, 810; 2008, 810 | 29,458,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2009, 115; 2008, 118 | 2,883,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember lending, less reserves: 2009, 3,013; 2008, 2,570 | 33,734,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other, less reserves: 2009, 41; 2008, 39 | 583,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common shares, .20 par value, authorized 3.6 billion shares; issued and outstanding 1,168 million shares in 2009 and 1,160 million shares in 2008 | 235,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
preferred shares, 3.4 million shares issued in 2009 and nil in 2008; liquidation preference 3,389 | 3,168,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities losses, net of tax: 2009, 253; 2008, 458 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses, net of tax: 2009, 34; 2008, 44 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments, net of tax: 2009, 82; 2008, 64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit costs, net of tax: 2009 204; 2008, 216 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables, less reserves: 2008, 1,134; 2007, 1,149 | 36,461,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2008, 50; 2007, 36 | 4,246,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
investments | 13,277,000,000 | 14,680,000,000 | 14,148,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember lending, less reserves: 2008, 2,640; 2007, 1,831 | 43,181,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other, less reserves: 2008, 44; 2007, 45 | 890,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
land, buildings and equipment – at cost, less accumulated depreciation: 2008, 3,756; 2007, 3,453 | 2,839,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
short-term debt | 13,902,000,000 | 17,519,000,000 | 18,994,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common shares, .20 par value, authorized 3.6 billion shares; issued and outstanding 1,160 million shares in 2008 and 1,158 million shares in 2007 | 232,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive income, net of tax: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized securities gains | 101,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized derivatives losses | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
foreign currency translation adjustments | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net unrealized pension and other postretirement benefit costs | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables, less reserves: 2008, 1,146; 2007, 1,149 | 38,777,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2008, 48; 2007, 36 | 3,889,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember lending, less reserves: 2008, 2,594; 2007, 1,831 | 47,139,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other, less reserves: 2008, 47; 2007, 45 | 690,000,000 | 819,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
land, buildings and equipment – at cost, less accumulated depreciation: 2008, 3,716; 2007, 3,453 | 2,791,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
investment certificate reserves | 4,300,000,000 | 5,013,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common shares, .20 par value, authorized 3.6 billion shares; issued and outstanding 1,159 million shares in 2008 and 1,158 million shares in 2007 | 232,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember receivables, less reserves: 2008, 1,221; 2007, 1,149 | 37,784,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables, less reserves: 2008, 45; 2007, 36 | 3,303,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cardmember lending, less reserves: 2008, 1,919; 2007, 1,831 | 47,635,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
land, buildings and equipment – at cost, less accumulated depreciation: 2008, 3,604; 2007, 3,453 | 2,740,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common shares, .20 par value, authorized 3.6 billion shares; issued and outstanding 1,158 million shares in 2008 and 2007 | 232,000,000 |
Cashflow Statements:
Quarterly
Annual
| Unit: USD | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-09-30 | 2014-06-30 | 2014-03-31 | 2013-12-31 | 2013-09-30 | 2013-06-30 | 2013-03-31 | 2012-09-30 | 2012-06-30 | 2012-03-31 | 2011-09-30 | 2011-06-30 | 2011-03-31 | 2010-09-30 | 2010-06-30 | 2010-03-31 | 2009-09-30 | 2009-06-30 | 2009-03-31 | 2008-09-30 | 2008-06-30 | 2008-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
cash flows from operating activities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net income | 2,971,000,000 | 2,462,000,000 | 2,902,000,000 | 2,885,000,000 | 2,584,000,000 | 2,170,000,000 | 2,507,000,000 | 3,015,000,000 | 2,437,000,000 | 1,933,000,000 | 2,451,000,000 | 2,174,000,000 | 1,816,000,000 | 1,572,000,000 | 1,879,000,000 | 1,964,000,000 | 2,099,000,000 | 1,719,000,000 | 1,826,000,000 | 2,280,000,000 | 2,235,000,000 | 1,438,000,000 | 1,073,000,000 | 257,000,000 | 367,000,000 | 1,693,000,000 | 1,755,000,000 | 1,761,000,000 | 1,550,000,000 | 2,010,000,000 | 1,654,000,000 | 1,623,000,000 | 1,634,000,000 | -1,197,000,000 | 1,356,000,000 | 1,340,000,000 | 1,237,000,000 | 825,000,000 | 1,142,000,000 | 2,015,000,000 | 1,426,000,000 | 899,000,000 | 1,266,000,000 | 1,473,000,000 | 1,525,000,000 | 1,477,000,000 | 1,529,000,000 | 1,432,000,000 | 1,308,000,000 | 1,366,000,000 | 1,405,000,000 | 1,280,000,000 | 1,250,000,000 | 1,339,000,000 | 1,256,000,000 | 1,235,000,000 | 1,331,000,000 | 1,177,000,000 | 1,093,000,000 | 1,017,000,000 | 885,000,000 | 640,000,000 | 337,000,000 | 437,000,000 | 815,000,000 | 653,000,000 | 991,000,000 |
adjustments to reconcile net income to net cash from operating activities: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
provisions for credit losses | 1,251,000,000 | 1,414,000,000 | 1,287,000,000 | 1,405,000,000 | 1,150,000,000 | 1,292,000,000 | 1,356,000,000 | 1,268,000,000 | 1,269,000,000 | 1,437,000,000 | 1,233,000,000 | 1,198,000,000 | 1,055,000,000 | 1,027,000,000 | 778,000,000 | 410,000,000 | -33,000,000 | 53,000,000 | -191,000,000 | -606,000,000 | -675,000,000 | -111,000,000 | 665,000,000 | 1,555,000,000 | 2,621,000,000 | ||||||||||||||||||||||||||||||||||||||||||
depreciation and amortization | 468,000,000 | 462,000,000 | 455,000,000 | 427,000,000 | 433,000,000 | 428,000,000 | 437,000,000 | 421,000,000 | 390,000,000 | 422,000,000 | 429,000,000 | 400,000,000 | 400,000,000 | 418,000,000 | 413,000,000 | 397,000,000 | 398,000,000 | 419,000,000 | 442,000,000 | 412,000,000 | 422,000,000 | 428,000,000 | 404,000,000 | 374,000,000 | 337,000,000 | 305,000,000 | 300,000,000 | 286,000,000 | 297,000,000 | 286,000,000 | 322,000,000 | 337,000,000 | 348,000,000 | 368,000,000 | 338,000,000 | 319,000,000 | 296,000,000 | 285,000,000 | 274,000,000 | 275,000,000 | 261,000,000 | 263,000,000 | 266,000,000 | 263,000,000 | 251,000,000 | 249,000,000 | 266,000,000 | 249,000,000 | 257,000,000 | 266,000,000 | 252,000,000 | 245,000,000 | 244,000,000 | 253,000,000 | 254,000,000 | 228,000,000 | 278,000,000 | 227,000,000 | 248,000,000 | 220,000,000 | 221,000,000 | 209,000,000 | 376,000,000 | 192,000,000 | 179,000,000 | 186,000,000 | 173,000,000 |
stock-based compensation | 203,000,000 | 141,000,000 | 125,000,000 | 127,000,000 | 158,000,000 | 111,000,000 | 113,000,000 | 104,000,000 | 176,000,000 | 109,000,000 | 93,000,000 | 108,000,000 | 140,000,000 | 93,000,000 | 84,000,000 | 76,000,000 | 122,000,000 | 74,000,000 | 73,000,000 | 85,000,000 | 98,000,000 | 74,000,000 | 66,000,000 | 66,000,000 | 43,000,000 | 66,000,000 | 61,000,000 | 71,000,000 | 85,000,000 | 53,000,000 | 76,000,000 | 70,000,000 | 84,000,000 | 70,000,000 | 60,000,000 | 63,000,000 | 89,000,000 | 64,000,000 | 57,000,000 | 63,000,000 | 70,000,000 | 34,000,000 | 60,000,000 | 69,000,000 | 71,000,000 | 46,000,000 | 76,000,000 | 88,000,000 | 75,000,000 | 78,000,000 | 101,000,000 | 96,000,000 | 68,000,000 | 72,000,000 | 92,000,000 | 71,000,000 | 80,000,000 | 76,000,000 | 51,000,000 | 55,000,000 | 51,000,000 | 37,000,000 | 68,000,000 | 53,000,000 | 49,000,000 | 62,000,000 | 66,000,000 |
deferred taxes | 145,000,000 | 100,000,000 | -257,000,000 | -365,000,000 | -20,000,000 | -73,000,000 | -473,000,000 | -310,000,000 | -134,000,000 | -102,000,000 | -375,000,000 | -518,000,000 | -334,000,000 | -440,000,000 | -347,000,000 | -333,000,000 | -69,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
other items | -282,000,000 | -311,000,000 | 13,000,000 | -152,000,000 | 213,000,000 | -231,000,000 | 395,000,000 | -535,000,000 | -193,000,000 | 271,000,000 | 153,000,000 | 88,000,000 | 152,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
originations of card balances held for sale | -42,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
changes in operating assets and liabilities, net of effects of acquisitions and dispositions: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other assets | -1,386,000,000 | -1,448,000,000 | -181,000,000 | -1,170,000,000 | 18,000,000 | 1,229,000,000 | -285,000,000 | -132,000,000 | 195,000,000 | -534,000,000 | -147,000,000 | -511,000,000 | -52,000,000 | 982,000,000 | 163,000,000 | -77,000,000 | 323,000,000 | 205,000,000 | 581,000,000 | -195,000,000 | 477,000,000 | -353,000,000 | -640,000,000 | -1,101,000,000 | 309,000,000 | -304,000,000 | -161,000,000 | 325,000,000 | 161,000,000 | 342,000,000 | -85,000,000 | 75,000,000 | -318,000,000 | -168,000,000 | 349,000,000 | 77,000,000 | 222,000,000 | -339,000,000 | 232,000,000 | 194,000,000 | 248,000,000 | 659,000,000 | 957,000,000 | 98,000,000 | 274,000,000 | 478,000,000 | -1,097,000,000 | 468,000,000 | 634,000,000 | 330,000,000 | 232,000,000 | 407,000,000 | 473,000,000 | 338,000,000 | -401,000,000 | -171,000,000 | -544,000,000 | 145,000,000 | -25,000,000 | -391,000,000 | 377,000,000 | 250,000,000 | |||||
accounts payable & other liabilities | 476,000,000 | 321,000,000 | 1,889,000,000 | 1,207,000,000 | 228,000,000 | 852,000,000 | -5,862,000,000 | 701,000,000 | 1,412,000,000 | 3,233,000,000 | 4,407,000,000 | 984,000,000 | -3,559,000,000 | 4,945,000,000 | 1,134,000,000 | 1,649,000,000 | 1,087,000,000 | 2,570,000,000 | 1,593,000,000 | 1,422,000,000 | -196,000,000 | 2,359,000,000 | 868,000,000 | 977,000,000 | -6,229,000,000 | ||||||||||||||||||||||||||||||||||||||||||
net cash from operating activities | 3,804,000,000 | 3,067,000,000 | 6,233,000,000 | 4,364,000,000 | 4,764,000,000 | 5,778,000,000 | -1,812,000,000 | 4,532,000,000 | 5,552,000,000 | 6,769,000,000 | 8,244,000,000 | 3,923,000,000 | -377,000,000 | 8,432,000,000 | 4,508,000,000 | 4,259,000,000 | 3,880,000,000 | 5,008,000,000 | 4,172,000,000 | 3,185,000,000 | 2,280,000,000 | 3,500,000,000 | 2,180,000,000 | 2,130,000,000 | -2,219,000,000 | 3,196,000,000 | -1,041,000,000 | 2,930,000,000 | 8,547,000,000 | -1,252,000,000 | 5,086,000,000 | 3,033,000,000 | 2,063,000,000 | 4,959,000,000 | 4,297,000,000 | 3,124,000,000 | 1,160,000,000 | 3,338,000,000 | 1,748,000,000 | 669,000,000 | 2,469,000,000 | 2,898,000,000 | 3,773,000,000 | 2,175,000,000 | 2,126,000,000 | 3,701,000,000 | 1,600,000,000 | 3,285,000,000 | 344,000,000 | -2,026,000,000 | 2,682,000,000 | 7,547,000,000 | 3,872,000,000 | 3,310,000,000 | 3,432,000,000 | 2,599,000,000 | 3,638,000,000 | 751,000,000 | 2,777,000,000 | 3,374,000,000 | 1,076,000,000 | 2,436,000,000 | 1,968,000,000 | 1,188,000,000 | 775,000,000 | 3,401,000,000 | 4,584,000,000 |
capital expenditures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
free cash flows | 3,804,000,000 | 3,067,000,000 | 6,233,000,000 | 4,364,000,000 | 4,764,000,000 | 5,778,000,000 | -1,812,000,000 | 4,532,000,000 | 5,552,000,000 | 6,769,000,000 | 8,244,000,000 | 3,923,000,000 | -377,000,000 | 8,432,000,000 | 4,508,000,000 | 4,259,000,000 | 3,880,000,000 | 5,008,000,000 | 4,172,000,000 | 3,185,000,000 | 2,280,000,000 | 3,500,000,000 | 2,180,000,000 | 2,130,000,000 | -2,219,000,000 | 3,196,000,000 | -1,041,000,000 | 2,930,000,000 | 8,547,000,000 | -1,252,000,000 | 5,086,000,000 | 3,033,000,000 | 2,063,000,000 | 4,959,000,000 | 4,297,000,000 | 3,124,000,000 | 1,160,000,000 | 3,338,000,000 | 1,748,000,000 | 669,000,000 | 2,469,000,000 | 2,898,000,000 | 3,773,000,000 | 2,175,000,000 | 2,126,000,000 | 3,701,000,000 | 1,600,000,000 | 3,285,000,000 | 344,000,000 | -2,026,000,000 | 2,682,000,000 | 7,547,000,000 | 3,872,000,000 | 3,310,000,000 | 3,432,000,000 | 2,599,000,000 | 3,638,000,000 | 751,000,000 | 2,777,000,000 | 3,374,000,000 | 1,076,000,000 | 2,436,000,000 | 1,968,000,000 | 1,188,000,000 | 775,000,000 | 3,401,000,000 | 4,584,000,000 |
cash flows from investing activities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
sale of investments | 8,000,000 | 5,000,000 | 41,000,000 | 7,000,000 | 4,000,000 | 29,000,000 | 2,000,000 | 42,000,000 | 36,000,000 | 44,000,000 | 42,000,000 | 44,000,000 | 51,000,000 | 80,000,000 | 160,000,000 | 90,000,000 | 177,000,000 | 51,000,000 | 304,000,000 | 589,000,000 | 506,000,000 | 533,000,000 | 720,000,000 | 750,000,000 | 1,546,000,000 | 351,000,000 | -749,000,000 | 687,000,000 | 1,981,000,000 | ||||||||||||||||||||||||||||||||||||||
maturities and redemptions of investments | 233,000,000 | 577,000,000 | 289,000,000 | 302,000,000 | 285,000,000 | 304,000,000 | 341,000,000 | 1,252,000,000 | 282,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of investments | -1,978,000,000 | -446,000,000 | -545,000,000 | -530,000,000 | -239,000,000 | -383,000,000 | -448,000,000 | -355,000,000 | -407,000,000 | -399,000,000 | -502,000,000 | -394,000,000 | -277,000,000 | -285,000,000 | -1,216,000,000 | -346,000,000 | -2,328,000,000 | -338,000,000 | -355,000,000 | -458,000,000 | -366,000,000 | -1,585,000,000 | -2,845,000,000 | -15,135,000,000 | -997,000,000 | -345,000,000 | -149,000,000 | -352,000,000 | -254,000,000 | -378,000,000 | -272,000,000 | -2,143,000,000 | -2,618,000,000 | -2,293,000,000 | -2,470,000,000 | ||||||||||||||||||||||||||||||||
net decrease in card balances and other loans, including card balances held for sale | 512,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales | -1,149,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
acquisitions, net of cash acquired | -498,000,000 | 0 | 0 | -364,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net cash from investing activities | -2,872,000,000 | -9,947,000,000 | -6,598,000,000 | -6,797,000,000 | 451,000,000 | -12,245,000,000 | -3,522,000,000 | -5,491,000,000 | -3,144,000,000 | -8,169,000,000 | -6,929,000,000 | -7,931,000,000 | -1,404,000,000 | -10,774,000,000 | -7,523,000,000 | -12,615,000,000 | -2,777,000,000 | -11,322,000,000 | -1,216,000,000 | -2,765,000,000 | 4,774,000,000 | -5,557,000,000 | -4,957,000,000 | 219,000,000 | 21,927,000,000 | -5,455,000,000 | -2,709,000,000 | -5,444,000,000 | -5,790,000,000 | -7,688,000,000 | -693,000,000 | -7,803,000,000 | -6,312,000,000 | -4,858,000,000 | 700,000,000 | -8,262,000,000 | -2,008,000,000 | 8,498,000,000 | 3,640,000,000 | -5,486,000,000 | 223,000,000 | -5,751,000,000 | 2,821,000,000 | 1,557,000,000 | 32,000,000 | 1,948,000,000 | -561,000,000 | -3,156,000,000 | 8,663,000,000 | -187,000,000 | -2,628,000,000 | 8,113,000,000 | -1,430,000,000 | -1,076,000,000 | 1,604,000,000 | 1,922,000,000 | |||||||||||
cash flows from financing activities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in customer deposits | 5,375,000,000 | 2,606,000,000 | 496,000,000 | 2,970,000,000 | 6,973,000,000 | 4,000,000,000 | 1,675,000,000 | -653,000,000 | 5,283,000,000 | 4,698,000,000 | 1,701,000,000 | 1,950,000,000 | 10,566,000,000 | 6,754,000,000 | 7,088,000,000 | 5,519,000,000 | 6,541,000,000 | 66,000,000 | -568,000,000 | -4,293,000,000 | 2,327,000,000 | 1,384,000,000 | 639,000,000 | 6,818,000,000 | 4,701,000,000 | -16,000,000 | 721,000,000 | -267,000,000 | 2,892,000,000 | 666,000,000 | 1,919,000,000 | 751,000,000 | 2,206,000,000 | 3,166,000,000 | 3,553,000,000 | 3,931,000,000 | 735,000,000 | -1,367,000,000 | 773,000,000 | 5,707,000,000 | 2,154,000,000 | 2,233,000,000 | 784,000,000 | 546,000,000 | -547,000,000 | 918,000,000 | -1,108,000,000 | 1,956,000,000 | -794,000,000 | 1,141,000,000 | 267,000,000 | 910,000,000 | 534,000,000 | 2,011,000,000 | |||||||||||||
net increase in short-term borrowings | 110,000,000 | -28,000,000 | -20,000,000 | -110,000,000 | 131,000,000 | 38,000,000 | -310,000,000 | -39,000,000 | 518,000,000 | -374,000,000 | 75,000,000 | -45,000,000 | 239,000,000 | -268,000,000 | -375,000,000 | 33,000,000 | 411,000,000 | 1,792,000,000 | 166,000,000 | -80,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||
proceeds from long-term debt | 3,502,000,000 | 2,002,000,000 | 6,479,000,000 | 11,128,000,000 | 4,768,000,000 | 83,000,000 | 4,640,000,000 | 5,534,000,000 | 2,345,000,000 | 2,526,000,000 | 5,182,000,000 | 6,468,000,000 | 1,498,000,000 | 2,490,000,000 | 6,030,000,000 | 8,479,000,000 | 6,231,000,000 | 7,750,000,000 | 20,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
payments of long-term debt | -1,524,000,000 | -3,261,000,000 | -7,001,000,000 | -4,361,000,000 | -3,534,000,000 | -3,401,000,000 | -3,207,000,000 | -2,901,000,000 | -1,250,000,000 | -1,433,000,000 | -5,414,000,000 | -853,000,000 | -3,003,000,000 | -2,357,000,000 | -4,020,000,000 | -6,215,000,000 | -6,314,000,000 | -3,415,000,000 | -2,838,000,000 | -4,659,000,000 | -750,000,000 | -1,894,000,000 | -4,000,000,000 | -3,850,000,000 | -5,849,000,000 | ||||||||||||||||||||||||||||||||||||||||||
issuance of american express common shares | 7,000,000 | 9,000,000 | 26,000,000 | 0 | 22,000,000 | 51,000,000 | 3,000,000 | 17,000,000 | 29,000,000 | 5,000,000 | 1,000,000 | 4,000,000 | 18,000,000 | 2,000,000 | 0 | 5,000,000 | 49,000,000 | 10,000,000 | 9,000,000 | 14,000,000 | 31,000,000 | 10,000,000 | 1,000,000 | 17,000,000 | 16,000,000 | 9,000,000 | 11,000,000 | 47,000,000 | 19,000,000 | 19,000,000 | 19,000,000 | 38,000,000 | 11,000,000 | 47,000,000 | 38,000,000 | 13,000,000 | 31,000,000 | 99,000,000 | 3,000,000 | 64,000,000 | 11,000,000 | 24,000,000 | 26,000,000 | 89,000,000 | 54,000,000 | 58,000,000 | -40,000,000 | 233,000,000 | 169,000,000 | 51,000,000 | 226,000,000 | 275,000,000 | 24,000,000 | 138,000,000 | 231,000,000 | 77,000,000 | 201,000,000 | 229,000,000 | 80,000,000 | 174,000,000 | 121,000,000 | 0 | |||||
repurchase of american express common shares and other | -1,911,000,000 | -899,000,000 | -2,351,000,000 | -1,356,000,000 | -1,208,000,000 | -1,031,000,000 | -1,935,000,000 | -1,762,000,000 | -1,292,000,000 | -901,000,000 | -1,400,000,000 | -1,033,000,000 | -316,000,000 | -640,000,000 | -601,000,000 | -691,000,000 | -1,570,000,000 | -2,971,000,000 | -3,284,000,000 | -884,000,000 | -513,000,000 | -3,000,000 | -1,000,000 | -2,000,000 | -1,023,000,000 | -1,222,000,000 | -1,352,000,000 | ||||||||||||||||||||||||||||||||||||||||
dividends paid | -583,000,000 | -583,000,000 | -586,000,000 | -593,000,000 | -509,000,000 | -510,000,000 | -516,000,000 | -521,000,000 | -452,000,000 | -454,000,000 | -459,000,000 | -462,000,000 | -405,000,000 | -405,000,000 | -407,000,000 | -408,000,000 | -345,000,000 | -358,000,000 | -366,000,000 | -361,000,000 | -363,000,000 | -362,000,000 | -363,000,000 | -366,000,000 | -383,000,000 | -374,000,000 | -355,000,000 | -354,000,000 | -325,000,000 | -321,000,000 | -324,000,000 | -326,000,000 | -305,000,000 | -307,000,000 | -313,000,000 | -299,000,000 | -302,000,000 | -304,000,000 | -335,000,000 | -213,000,000 | -216,000,000 | -217,000,000 | |||||||||||||||||||||||||
net cash from financing activities | 4,976,000,000 | -154,000,000 | -2,957,000,000 | 7,678,000,000 | 6,643,000,000 | -770,000,000 | 350,000,000 | -325,000,000 | 5,181,000,000 | 4,067,000,000 | -314,000,000 | 6,029,000,000 | 8,597,000,000 | 5,576,000,000 | 7,715,000,000 | 6,685,000,000 | 4,533,000,000 | 365,000,000 | -5,882,000,000 | -9,877,000,000 | 461,000,000 | -686,000,000 | -3,602,000,000 | 638,000,000 | -5,418,000,000 | 1,423,000,000 | -83,000,000 | 3,240,000,000 | 626,000,000 | 4,184,000,000 | -2,949,000,000 | 9,662,000,000 | -2,391,000,000 | 2,769,000,000 | 2,205,000,000 | -408,000,000 | -3,864,000,000 | 5,446,000,000 | -4,986,000,000 | -39,000,000 | 557,000,000 | -3,830,000,000 | -2,048,000,000 | -2,176,000,000 | -3,661,000,000 | 2,041,000,000 | |||||||||||||||||||||
effect of foreign currency exchange rates on cash and cash equivalents | 57,000,000 | 120,000,000 | 91,000,000 | 184,000,000 | 10,000,000 | -41,000,000 | 7,000,000 | -34,000,000 | 28,000,000 | 21,000,000 | -51,000,000 | 101,000,000 | 106,000,000 | -502,000,000 | 205,000,000 | 270,000,000 | 14,000,000 | 61,000,000 | 46,000,000 | -27,000,000 | -200,000,000 | 227,000,000 | -178,000,000 | -59,000,000 | 132,000,000 | 41,000,000 | 93,000,000 | -37,000,000 | 38,000,000 | -34,000,000 | -143,000,000 | ||||||||||||||||||||||||||||||||||||
net increase in cash and cash equivalents | 5,965,000,000 | -6,914,000,000 | -3,231,000,000 | 5,429,000,000 | 11,868,000,000 | -7,278,000,000 | -4,977,000,000 | -1,318,000,000 | 7,617,000,000 | 2,688,000,000 | 950,000,000 | 2,122,000,000 | 6,922,000,000 | 2,732,000,000 | 4,905,000,000 | -1,401,000,000 | 5,650,000,000 | -5,888,000,000 | -2,880,000,000 | -9,484,000,000 | 7,315,000,000 | 6,759,000,000 | -4,274,000,000 | 1,076,000,000 | 4,158,000,000 | -1,312,000,000 | -7,247,000,000 | 8,722,000,000 | 2,283,000,000 | 2,824,000,000 | 1,284,000,000 | 1,254,000,000 | -2,800,000,000 | -843,000,000 | -4,835,000,000 | 5,714,000,000 | 2,189,000,000 | 1,863,000,000 | 1,055,000,000 | 5,671,000,000 | 654,000,000 | -1,468,000,000 | 5,556,000,000 | 3,031,000,000 | -5,193,000,000 | 260,000,000 | -4,193,000,000 | 602,000,000 | 4,221,000,000 | ||||||||||||||||||
cash and cash equivalents at beginning of period | 47,792,000,000 | 0 | 0 | 40,640,000,000 | 0 | 0 | 46,596,000,000 | 0 | 0 | 33,914,000,000 | 0 | 0 | 22,028,000,000 | 0 | 0 | 32,965,000,000 | 0 | 0 | 25,208,000,000 | 0 | 0 | 22,762,000,000 | 0 | 0 | 22,288,000,000 | 0 | 0 | 19,486,000,000 | 0 | 0 | 22,250,000,000 | 0 | 0 | 24,893,000,000 | 0 | 0 | 16,356,000,000 | ||||||||||||||||||||||||||||||
cash and cash equivalents at end of period | 53,757,000,000 | -3,231,000,000 | 5,429,000,000 | 52,508,000,000 | -4,977,000,000 | -1,318,000,000 | 54,213,000,000 | 950,000,000 | 2,122,000,000 | 40,836,000,000 | 4,905,000,000 | -1,401,000,000 | 27,678,000,000 | -2,880,000,000 | -9,484,000,000 | 40,280,000,000 | -4,274,000,000 | 1,076,000,000 | 29,366,000,000 | -7,247,000,000 | 8,722,000,000 | 25,045,000,000 | -1,133,000,000 | -2,501,000,000 | 23,572,000,000 | 2,834,000,000 | -2,310,000,000 | 20,740,000,000 | -843,000,000 | -4,835,000,000 | 27,964,000,000 | 3,071,000,000 | -5,010,000,000 | 27,082,000,000 | 1,863,000,000 | 1,055,000,000 | 22,027,000,000 | ||||||||||||||||||||||||||||||
originations of loans held for sale | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from sales of loans held for sale | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in loans and card member receivables, including card member loans held for sale | -9,361,000,000 | -5,729,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2025, 1; 2024, 6; 2023, 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
dispositions, net of cash disposed | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at beginning of year | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at end of year | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2025, 1; 2024, 4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2025, nil; 2024, 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in loans and card member receivables, including card member loans held for sale | 835,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2025, nil; 2024, 1 | -430,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
originations of loans held-for-sale | 0 | 0 | 0 | -54,000,000 | -92,000,000 | -95,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from sales of loans held-for-sale | 0 | 0 | 0 | 59,000,000 | 97,000,000 | 92,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2024, 6; 2023, 2; 2022, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
changes in operating assets and liabilities, net of effects of dispositions and acquisitions: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in loans and card member receivables | -2,884,000,000 | -6,436,000,000 | -2,625,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2024, 4; 2023, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2024, 2; 2023, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
dispositions, net of cash disposed/acquired | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2024, 1; 2023, 1 | -396,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net dispositions, net of cash acquired | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in card member loans and receivables, and other loans | -9,662,000,000 | -6,449,000,000 | -7,410,000,000 | -1,603,000,000 | -6,515,000,000 | -4,976,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2023, 2; 2022, 1; 2021, 88 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
issuance of american express preferred shares | 0 | 0 | 0 | 0 | 841,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
redemption of american express preferred shares | -750,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
sale of investment securities | 1,000,000 | 9,000,000 | 0 | 16,000,000 | 25,000,000 | 0 | 0 | 37,000,000 | 11,000,000 | 22,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
maturities and redemptions of investment securities | 422,000,000 | 249,000,000 | 900,000,000 | 154,000,000 | 642,000,000 | 329,000,000 | 767,000,000 | 7,229,000,000 | 3,119,000,000 | 9,131,000,000 | 553,000,000 | 2,278,000,000 | 308,000,000 | 197,000,000 | 4,376,000,000 | 2,257,000,000 | 2,646,000,000 | 199,000,000 | 2,227,000,000 | 668,000,000 | 317,000,000 | 886,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2023, 1; 2022, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
acquisitions/dispositions, net of cash acquired | 0 | 0 | -64,000,000 | 0 | 0 | -82,000,000 | -20,000,000 | -8,000,000 | -31,000,000 | -6,000,000 | -475,000,000 | -1,000,000 | -36,000,000 | -146,000,000 | -28,000,000 | -7,000,000 | -155,000,000 | -28,000,000 | -5,000,000 | -577,000,000 | 0 | 0 | -254,000,000 | ||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2023, 1; 2022, nil | -376,000,000 | -360,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in card member loans and receivables, and other loans | -785,000,000 | -17,767,000,000 | -3,510,000,000 | -11,149,000,000 | 4,869,000,000 | -5,356,000,000 | -2,094,000,000 | 15,473,000,000 | 18,883,000,000 | -656,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2022, 1; 2021, 88; 2020, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other investing activities | 0 | 128,000,000 | 5,000,000 | 4,000,000 | 0 | 0 | 148,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other non-cash items | 407,000,000 | 175,000,000 | -47,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2022, 1; 2021, 41 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2022, nil; 2021, 40 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2022, nil; 2021, 3 | -447,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in short-term borrowings | -59,000,000 | -271,000,000 | 122,000,000 | -1,979,000,000 | -2,880,000,000 | -1,099,000,000 | 338,000,000 | 182,000,000 | -1,489,000,000 | -1,108,000,000 | -183,000,000 | -1,941,000,000 | -2,217,000,000 | -122,000,000 | -379,000,000 | -5,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2021, 88; 2020, 1; 2019, 43 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deferred taxes and other | -152,000,000 | -213,000,000 | -81,000,000 | -335,000,000 | -256,000,000 | 2,000,000 | 333,000,000 | -193,000,000 | 134,000,000 | 348,000,000 | 137,000,000 | 802,000,000 | -181,000,000 | 88,000,000 | -254,000,000 | 844,000,000 | -63,000,000 | -6,000,000 | 8,000,000 | -1,070,000,000 | 218,000,000 | 481,000,000 | -120,000,000 | -74,000,000 | 219,000,000 | 44,000,000 | 2,000,000 | -140,000,000 | 171,000,000 | 48,000,000 | 665,000,000 | 509,000,000 | -129,000,000 | ||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2021, 41; 2020, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2021, 40; 2020, nil | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2021, 3; 2020, nil | -319,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2020, 1; 2019, 43; 2018, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2020, 1; 2019, 41 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
effect of foreign currency exchange rates on cash, cash equivalents and restricted cash | -97,000,000 | 508,000,000 | -128,000,000 | -72,000,000 | 214,000,000 | 22,000,000 | 68,000,000 | 2,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in cash, cash equivalents and restricted cash | -6,476,000,000 | 3,495,000,000 | 14,162,000,000 | 5,823,000,000 | -3,454,000,000 | 0 | -244,000,000 | -1,757,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash, cash equivalents and restricted cash at beginning of period | 0 | 0 | 24,446,000,000 | 0 | 0 | 27,808,000,000 | 0 | 0 | 33,264,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash, cash equivalents and restricted cash at end of period | -6,476,000,000 | 3,495,000,000 | 38,608,000,000 | -1,978,000,000 | -6,299,000,000 | 33,631,000,000 | 0 | -244,000,000 | 31,507,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2020, nil; 2019, 34 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2020, nil; 2019, 33 | -335,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
provisions for losses | 1,024,000,000 | 879,000,000 | 861,000,000 | 809,000,000 | 954,000,000 | 817,000,000 | 806,000,000 | 775,000,000 | 833,000,000 | 769,000,000 | 584,000,000 | 573,000,000 | 625,000,000 | 504,000,000 | 463,000,000 | 434,000,000 | 572,000,000 | 529,000,000 | 467,000,000 | 420,000,000 | 488,000,000 | 489,000,000 | 485,000,000 | 528,000,000 | 492,000,000 | 593,000,000 | 497,000,000 | 479,000,000 | 461,000,000 | 412,000,000 | 249,000,000 | 357,000,000 | 97,000,000 | 373,000,000 | 652,000,000 | 943,000,000 | 1,509,000,000 | 1,748,000,000 | 1,977,000,000 | ||||||||||||||||||||||||||||
sale of available-for-sale investment securities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2019, 43; 2018, 1; 2017, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash, cash equivalents and restricted cash at beginning of year | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash, cash equivalents and restricted cash at end of year | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other receivables | -196,000,000 | 336,000,000 | 76,000,000 | -286,000,000 | 122,000,000 | -570,000,000 | 211,000,000 | 37,000,000 | 795,000,000 | -766,000,000 | 192,000,000 | -134,000,000 | 427,000,000 | -507,000,000 | 98,000,000 | -439,000,000 | 175,000,000 | 297,000,000 | -296,000,000 | 486,000,000 | -539,000,000 | 55,000,000 | 807,000,000 | 132,000,000 | -115,000,000 | 29,000,000 | -434,000,000 | -76,000,000 | 278,000,000 | 606,000,000 | -1,044,000,000 | 1,466,000,000 | -298,000,000 | -284,000,000 | 881,000,000 | ||||||||||||||||||||||||||||||||
accounts payable and other liabilities | -4,450,000,000 | -72,000,000 | 6,100,000,000 | -6,254,000,000 | 2,315,000,000 | 249,000,000 | -431,000,000 | 4,308,000,000 | 2,099,000,000 | 1,167,000,000 | -2,069,000,000 | -403,000,000 | -356,000,000 | 750,000,000 | 1,591,000,000 | 651,000,000 | 535,000,000 | 607,000,000 | -893,000,000 | -4,266,000,000 | 301,000,000 | 4,946,000,000 | 2,367,000,000 | 726,000,000 | 502,000,000 | -180,000,000 | 1,683,000,000 | -157,000,000 | 1,927,000,000 | 915,000,000 | -971,000,000 | 153,000,000 | -1,016,000,000 | 1,156,000,000 | 1,529,000,000 | ||||||||||||||||||||||||||||||||
travelers cheques and other prepaid products | -74,000,000 | 236,000,000 | -154,000,000 | -196,000,000 | -130,000,000 | 228,000,000 | -155,000,000 | -212,000,000 | -118,000,000 | -201,000,000 | -243,000,000 | 212,000,000 | -165,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchases of investments | -4,060,000,000 | -236,000,000 | -2,169,000,000 | -1,814,000,000 | -1,215,000,000 | -571,000,000 | -474,000,000 | -1,294,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2019, 41; 2018, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from long-term borrowings | 3,530,000,000 | 5,547,000,000 | 3,633,000,000 | 4,489,000,000 | 6,474,000,000 | 6,577,000,000 | 3,984,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
payments of long-term borrowings | -3,821,000,000 | -1,633,000,000 | -7,020,000,000 | -3,039,000,000 | -7,203,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in cash, cash equivalents and restricted cash | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2019, 34; 2018, nil | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2019, 33; 2018, nil | -348,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
sales of available-for-sale investment securities | 1,000,000 | 0 | 37,000,000 | 6,000,000 | 0 | 45,000,000 | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
maturities and redemptions of available-for-sale investment securities | 296,000,000 | 696,000,000 | 642,000,000 | 860,000,000 | 1,220,000,000 | 642,000,000 | 341,000,000 | 226,000,000 | 270,000,000 | 830,000,000 | 552,000,000 | 439,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
sales of other investments | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in card member loans and receivables, including held for sale | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2018, 1; 2017, 1; 2016, 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
sales of investment securities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in card member receivables and loans | -3,923,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2018, 1; 2017, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
repurchase of american express common shares | -779,000,000 | -4,000,000 | -134,000,000 | -1,320,000,000 | -841,000,000 | -926,000,000 | -1,724,000,000 | -1,128,000,000 | -1,150,000,000 | -1,359,000,000 | -1,200,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2018, nil; 2017,1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in card member receivables and loans | 348,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2018, nil; 2017, nil | -237,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents per consolidated balance sheets | 31,092,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
restricted cash included in other assets per consolidated balance sheets | 415,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
total cash, cash equivalents and restricted cash | 31,507,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2017, 1; 2016, 2; 2015, 42 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in restricted cash | -1,000,000 | -11,000,000 | -6,000,000 | 132,000,000 | 563,000,000 | 846,000,000 | 182,000,000 | 24,000,000 | 3,452,000,000 | 3,101,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
supplemental cash flow information | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
non-cash investing activities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
transfer of card member loans and receivables, during the fourth quarter of 2015, to card member loans and receivables held for sale, net of reserves | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in card member receivables and loans, including held for sale | -4,366,000,000 | -4,619,000,000 | 1,450,000,000 | -8,598,000,000 | -1,184,000,000 | 8,963,000,000 | 4,039,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2017, 1; 2016, 2 | -274,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in restricted cash | 15,000,000 | 20,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
issuance of long-term debt | 2,751,000,000 | 8,704,000,000 | 8,420,000,000 | 2,898,000,000 | 2,148,000,000 | 3,743,000,000 | 35,000,000 | 2,001,000,000 | 4,468,000,000 | 5,374,000,000 | 3,715,000,000 | 2,240,000,000 | 4,108,000,000 | 4,778,000,000 | 2,511,000,000 | 598,000,000 | 3,637,000,000 | 2,585,000,000 | 1,609,000,000 | 5,983,000,000 | 1,979,000,000 | 1,327,000,000 | 117,000,000 | 1,520,000,000 | |||||||||||||||||||||||||||||||||||||||||||
principal payments on long-term debt | -6,000,000,000 | -8,548,000,000 | -3,801,000,000 | -522,000,000 | -1,036,000,000 | -2,500,000,000 | -8,634,000,000 | -5,516,000,000 | -2,866,000,000 | -5,731,000,000 | -3,305,000,000 | -4,382,000,000 | -5,127,000,000 | -2,757,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2017, nil; 2016, 1 | -277,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2016, 2; 2015, 42; 2014, 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
non-cash financing activities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
gain on business travel joint venture transaction | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2016, 2; 2015, 32 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2016, 1; 2015, 17 | -302,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in card member receivables and loans, including held for sale | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2015, 42; 2014, 3; 2013, 72 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
transfer of card member loans and receivables, during the fourth quarter of 2015, to card member loans and receivables held for sale, net of reserves. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in card member receivables/loans | -723,000,000 | -3,698,000,000 | 3,129,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2015, 32; 2014, 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
business acquisitions, net of cash acquired | -48,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2015, 32; 2014, nil | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in cash and cash equivalents | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2015, 17; 2014, 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
maturity and redemption of investments | 441,000,000 | 171,000,000 | 354,000,000 | 436,000,000 | 255,000,000 | 414,000,000 | 187,000,000 | 306,000,000 | 330,000,000 | 449,000,000 | 217,000,000 | 1,293,000,000 | 3,204,000,000 | 1,973,000,000 | 3,108,000,000 | 3,917,000,000 | 1,370,000,000 | 827,000,000 | 544,000,000 | 1,719,000,000 | 1,366,000,000 | 3,977,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
net (increase) in card member loans/receivables | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2014, 3; 2013, 74 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
effect of exchange rate changes on cash and cash equivalents | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2014, nil; 2013, 7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net (decrease) in short-term borrowings | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in card member loans/receivables | 2,072,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2014, 2; 2013, 4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
income from discontinued operations, net of tax | 0 | 2,000,000 | 5,000,000 | 6,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
income from continuing operations | 1,250,000,000 | 1,235,000,000 | 1,093,000,000 | 1,017,000,000 | 885,000,000 | 642,000,000 | 342,000,000 | 443,000,000 | 936,000,000 | 655,000,000 | 974,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
adjustments to reconcile income from continuing operations to net cash from operating activities: | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
premium paid on debt exchange | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in card member loans/receivables | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2013, 72; 2012, 3; 2011, 16 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
acquisitions/dispositions, net of cash acquired/sold | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
impact of debt exchange on long-term debt | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2013, 74; 2012, 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
effect of exchange rate changes on cash | 125,000,000 | -136,000,000 | 16,000,000 | 87,000,000 | 112,000,000 | -38,000,000 | 28,000,000 | -16,000,000 | 31,000,000 | -11,000,000 | 44,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in cardmember loans/receivables | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2013, 7; 2012, 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease in cardmember loans/receivables | 1,510,000,000 | 1,724,000,000 | -4,091,000,000 | 2,522,000,000 | -301,000,000 | -2,702,000,000 | 3,069,000,000 | 8,315,000,000 | 2,907,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2013, 4; 2012, 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
income from discontinuing operations, net of tax | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
travelers cheques outstanding | -139,000,000 | -48,000,000 | -398,000,000 | 27,000,000 | -104,000,000 | -455,000,000 | -219,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2012, 3; 2011, 6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2012, 2; 2011, 3 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2012, 1; 2011, 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2011, 6; 2010, 6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2011, 3; 2010, 7 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment, net of sales: 2011, 2; 2010, 6 | -255,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
deferred taxes, acquisition costs and other | 36,000,000 | 550,000,000 | 149,000,000 | -36,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net cash from operating activities attributable to discontinued operations | -74,000,000 | -166,000,000 | 1,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from cardmember loan securitizations | 1,246,000,000 | 3,068,000,000 | 2,830,000,000 | 3,721,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
maturities of cardmember loan securitizations | -2,700,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment | -263,000,000 | -176,000,000 | -153,000,000 | -157,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
sale of premises and equipment | -1,000,000 | 1,000,000 | 6,000,000 | 3,000,000 | 27,000,000 | 9,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease (increase) in restricted cash | 42,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net cash from investing activities attributable to discontinued operations | 13,000,000 | 171,000,000 | 12,000,000 | 2,145,000,000 | 0 | 460,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net change in customer deposits | -13,000,000 | 245,000,000 | 1,823,000,000 | 3,779,000,000 | 2,119,000,000 | 2,647,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
issuance of american express series a preferred shares and warrants | 0 | 0 | 3,389,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
repurchase of american express series a preferred shares | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
repurchase of american express stock warrants | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
common and preferred dividends paid | -217,000,000 | -217,000,000 | -216,000,000 | -215,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net cash from financing activities attributable to discontinued operations | 59,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at beginning of period includes cash of discontinued operations: 2010, 0; 2009, 3 | 0 | 1,057,000,000 | 15,542,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at end of period includes cash of discontinued operations: 2010, 0; 2009, 2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at end of period includes cash of discontinued operations: 2010, 0; 2009, 13 | 21,098,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at beginning of period includes cash of discontinued operations: 2009, 3; 2008, 6,390 | 0 | 0 | 20,550,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at end of period includes cash of discontinued operations: 2009, 0; 2008, 342 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net decrease (increase) in cardmember loans/receivables | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at end of period includes cash of discontinued operations: 2009, 2; 2008, 3,716 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at end of period includes cash of discontinued operations: 2009, 13; 2008, 4,136 | 20,810,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
other operating assets | 42,000,000 | 99,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of land, buildings and equipment | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
sale of land, buildings and equipment | -7,000,000 | 17,000,000 | 5,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
(acquisitions) dispositions, net of cash acquired/sold | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net change in customers’ deposits | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
net increase in debt with maturities of three months or less | 117,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
issuance of debt | 4,588,000,000 | 9,745,000,000 | 6,270,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
principal payments on debt | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
issuance of american express common shares and other | 20,000,000 | 68,000,000 | 92,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at beginning of period includes cash of discontinued operations: 2008, 6,390; 2007, 4,445 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at end of period includes cash of discontinued operations: 2008, 342; 2007, 4,661 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
(income) income from discontinued operations, net of tax | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
provisions for losses and benefits | 1,983,000,000 | 1,332,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
sale of investment certificates | 381,000,000 | 619,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
redemption of investment certificates | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at beginning of period includes cash of discontinued operations: 2008, 3,531; 2007, 2,940 | 0 | 15,268,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at end of period includes cash of discontinued operations: 2008, 0; 2007, 2,873 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at end of period includes cash of discontinued operations: 2008, 0; 2007, 3,554 | 19,489,000,000 |