← Filings of AXP
Tables in the 10-Q of AMERICAN EXPRESS CO
73 tables with numbers, filed Oct 18, 2024. Each one downloads as a CSV for Excel or
Google Sheets, with the filing's address in the last row. Only the layout is tidied (a "$" or ")" in a cell of its own is joined to its number); no value is changed.
Open the filing on sec.gov ↗
| Part I. | Financial Information | | Page No. | |
| Item 1. | | Financial Statements | |
| | | Consolidated Statements of Income – Three Months Ended September 30, 2024 and 2023 | 38 |
| | | Consolidated Statements of Income – Nine Months Ended September 30, 2024 and 2023 | 39 |
| | | Consolidated Statements of Comprehensive Income – Three and Nine Months Ended September 30, 2024 and 2023 | 40 |
| | | Consolidated Balance Sheets – September 30, 2024 and December 31, 2023 | 41 |
| | | Consolidated Statements of Cash Flows – Nine Months Ended September 30, 2024 and 2023 | 42 |
| | | Consolidated Statements of Shareholders’ Equity – Three and Nine Months Ended September 30, 2024 and 2023 | 43 |
First 8 of 19 rows. The CSV has all of them.
Table 2 after “Table 1: Summary of Financial Performance”
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| As of or for the Three Months EndedSeptember 30, | Change2024 vs. 2023 | | As of or for the Nine Months EndedSeptember 30, | | Change2024 vs. 2023 | | | | | | | | | | |
| (Millions, except percentages, per share amounts and where indicated) | 2024 | 2023 | | | 2024 | | 2023 | | | | | | | | | |
| Selected Income Statement Data | | | | | | | | | | | | | | | | |
| Total revenues net of interest expense | $16,636 | $15,381 | | $1,255 | | | 8% | | $48,770 | | $44,716 | | $4,054 | | 9% | |
| Provisions for credit losses | 1,356 | 1,233 | | 123 | | | 10 | | 3,893 | | 3,486 | | 407 | | 12 | |
| Total expenses | 12,076 | 11,048 | | 1,028 | | | 9 | | 34,738 | | 33,229 | | 1,509 | | 5 | |
| Pretax income | 3,204 | 3,100 | | 104 | | | 3 | | 10,139 | | 8,001 | | 2,138 | | 27 | |
| Income tax provision | 697 | 649 | | 48 | | | 7 | | 2,180 | | 1,560 | | 620 | | 40 | |
First 8 of 31 rows. The CSV has all of them.
Table 3 after “Table 2: Total Revenues Net of Interest Expense Summary”
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| Three Months EndedSeptember 30, | Change2024 vs. 2023 | | Nine Months EndedSeptember 30, | | Change2024 vs. 2023 | | | | | | |
| (Millions, except percentages) | 2024 | 2023 | | | 2024 | | 2023 | | | | | |
| Discount revenue | $8,780 | | $8,408 | | | $372 | | 4% | $26,015 | $24,836 | $1,179 | 5% |
| Net card fees | 2,170 | | 1,846 | | | 324 | | 18 | 6,204 | 5,348 | 856 | 16 |
| Service fees and other revenue | 1,267 | | 1,261 | | | 6 | | — | 3,839 | 3,711 | 128 | 3 |
| Processed revenue | 413 | | 424 | | | (11) | | (3) | 1,207 | 1,291 | (84) | (7) |
| Total non-interest revenues | 12,630 | | 11,939 | | | 691 | | 6 | 37,265 | 35,186 | 2,079 | 6 |
| Total interest income | 6,149 | | 5,240 | | | 909 | | 17 | 17,718 | 14,431 | 3,287 | 23 |
First 8 of 11 rows. The CSV has all of them.
Table 4 after “Table 3: Provisions for Credit Losses Summary”
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| Three Months Ended September 30, | Change2024 vs. 2023 | | Nine Months EndedSeptember 30, | | Change2024 vs. 2023 | | | | | | | | | | |
| (Millions, except percentages) | 2024 | 2023 | | | 2024 | | 2023 | | | | | | | | | |
| Card Member loans | | | | | | | | | | | | | | | | |
| Net write-offs | $853 | | $639 | | | $214 | | 33% | | $2,621 | | $1,722 | | $899 | | 52% |
| Reserve build (release) (a) | 261 | | 343 | | | (82) | | (24) | | 477 | | 969 | | (492) | | (51) |
| Total | 1,114 | | 982 | | | 132 | | 13 | | 3,098 | | 2,691 | | 407 | | 15 |
| Card Member receivables | | | | | | | | | | | | | | | | |
| Net write-offs | 187 | | 241 | | | (54) | | (22) | | 609 | | 714 | | (105) | | (15) |
First 8 of 18 rows. The CSV has all of them.
| Three Months Ended September 30, | Change2024 vs. 2023 | | Nine Months EndedSeptember 30, | | Change2024 vs. 2023 | | | | | | |
| (Millions, except percentages) | 2024 | 2023 | | | 2024 | | 2023 | | | | | |
| Card Member rewards | $4,168 | | $3,794 | | | $374 | | 10% | $12,169 | $11,516 | $653 | 6% |
| Business development | 1,430 | | 1,393 | | | 37 | | 3 | 4,249 | 4,174 | 75 | 2 |
| Card Member services | 1,179 | | 973 | | | 206 | | 21 | 3,504 | 2,905 | 599 | 21 |
| Marketing | 1,470 | | 1,236 | | | 234 | | 19 | 4,426 | 3,985 | 441 | 11 |
| Salaries and employee benefits | 2,049 | | 2,047 | | | 2 | | — | 6,096 | 5,936 | 160 | 3 |
| Other, net | 1,780 | | 1,605 | | | 175 | | 11 | 4,294 | 4,713 | (419) | (9) |
First 8 of 9 rows. The CSV has all of them.
Table 6 after “Table 5: Selected Card-Related Statistical Information”
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| As of or for theThree Months EndedSeptember 30, | Change2024vs.2023 | As of or for theNine Months EndedSeptember 30, | | Change2024vs.2023 | | | | |
| 2024 | 2023 | | 2024 | | 2023 | | | |
| Network volumes (billions) | $441.0 | $420.2 | 5% | | | $1,300.8 | | $1,245.7 | 4% |
| Billed business | $387.3 | $366.2 | 6 | | | $1,142.5 | | $1,079.8 | 6 |
| Processed volumes | $53.7 | $54.0 | (1) | | | $158.3 | | $165.9 | (5) |
| Cards-in-force (millions) | 145.5 | 138.2 | 5 | | | 145.5 | | 138.2 | 5 |
| Proprietary cards-in-force | 82.9 | 79.6 | 4 | | | 82.9 | | 79.6 | 4 |
| Basic cards-in-force (millions) | 122.4 | 115.9 | 6 | | | 122.4 | | 115.9 | 6 |
First 8 of 13 rows. The CSV has all of them.
Table 7 after “Table 6: Network Volumes-Related Statistical Information”
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| Three Months EndedSeptember 30, 2024 | Nine Months EndedSeptember 30, 2024 | | | | | |
| Year over Year Percentage Increase (Decrease) | Year over Year Percentage Increase (Decrease) Assuming No Changes in FX Rates (a) | | Year over Year Percentage Increase (Decrease) | | Year over Year Percentage Increase (Decrease) Assuming No Changes in FX Rates (a) | |
| Network volumes | 5% | | 5% | | | 4% | 5% |
| Total billed business | 6 | | 6 | | | 6 | 6 |
| U.S. Consumer Services | 6 | | | | 7 | | |
| Commercial Services | 1 | | 1 | | | 1 | 2 |
| International Card Services | 13 | | 13 | | | 12 | 13 |
| Processed volumes | (1) | | 1 | | | (5) | (1) |
First 8 of 12 rows. The CSV has all of them.
Table 8 after “Table 7: Selected Credit-Related Statistical Information”
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| As of or for the Three Months Ended September 30, | Change2024vs.2023 | | As of or for theNine Months EndedSeptember 30, | | Change2024vs.2023 | | | | | |
| (Millions, except percentages) | 2024 | 2023 | | | 2024 | | 2023 | | | | |
| Card Member loans and receivables: | | | | | | | | | | | |
| Net write-off rate — principal, interest and fees (a) | 2.2% | | 2.0% | | | | | 2.3% | | | 1.9% |
| Net write-off rate — principal only — consumer and small business (a)(b) | 1.9% | | 1.8% | | | | | 2.1% | | | 1.7% |
| 30+ days past due as a % of total — consumer and small business (c) | 1.3% | | 1.2% | | | | | 1.3% | | | 1.2% |
| Card Member loans: | | | | | | | | | | | |
| Card Member loans | $134,548 | $117,978 | | 14% | | | $134,548 | | $117,978 | | 14% |
First 8 of 34 rows. The CSV has all of them.
Table 9 after “Table 8: Net Interest Yield on Average Card Member Loans”
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| Three Months Ended September 30, | Nine Months Ended September 30, | | | | |
| (Millions, except percentages) | 2024 | 2023 | | 2024 | 2023 | |
| Net interest income | $4,006 | $3,442 | | $11,505 | $9,530 | |
| Exclude: | | | | | | |
| Interest expense not attributable to our Card Member loan portfolio (a) | 940 | 770 | | 2,734 | 2,122 | |
| Interest income not attributable to our Card Member loan portfolio (b) | (940) | (767) | | (2,776) | (2,072) | |
| Adjusted net interest income (c) | $4,006 | $3,445 | | $11,463 | $9,580 | |
| Average Card Member loans | $132,956 | $116,626 | | $128,652 | $112,350 | |
First 8 of 10 rows. The CSV has all of them.
Table 10 after “Table 9: USCS Selected Income Statement Data”
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| Three Months EndedSeptember 30, | Change | Nine Months EndedSeptember 30, | Change | | | | | | |
| (Millions, except percentages) | 2024 | 2023 | 2024 vs. 2023 | 2024 | | 2023 | 2024 vs. 2023 | | | |
| Revenues | | | | | | | | | | |
| Non-interest revenues | $5,028 | $4,680 | $348 | | 7% | | $14,823 | $13,682 | $1,141 | 8% |
| Interest income | 3,722 | 3,228 | 494 | | 15 | | 10,677 | 8,937 | 1,740 | 19 |
| Interest expense | 806 | 700 | 106 | | 15 | | 2,325 | 1,898 | 427 | 22 |
| Net interest income | 2,916 | 2,528 | 388 | | 15 | | 8,352 | 7,039 | 1,313 | 19 |
| Total revenues net of interest expense | 7,944 | 7,208 | 736 | | 10 | | 23,175 | 20,721 | 2,454 | 12 |
First 8 of 15 rows. The CSV has all of them.
Table 11 after “Table 10: USCS Selected Statistical Information”
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| As of or for the Three Months EndedSeptember 30, | Change2024vs.2023 | | As of or for the Nine Months EndedSeptember 30, | | Change2024vs.2023 | | | | |
| (Millions, except percentages and where indicated) | 2024 | 2023 | | | 2024 | | 2023 | | | |
| Billed business (billions) | $162.3 | $153.5 | | 6% | | | $480.8 | | $451.1 | 7% |
| Proprietary cards-in-force | 45.7 | 43.4 | | 5 | | | 45.7 | | 43.4 | 5 |
| Proprietary basic cards-in-force | 32.1 | 30.4 | | 6 | | | 32.1 | | 30.4 | 6 |
| Average proprietary basic Card Member spending (dollars) | $5,091 | $5,062 | | 1 | | | $15,313 | | $15,072 | 2 |
| Total segment assets | $106,201 | $98,218 | | 8 | | | $106,201 | | $98,218 | 8 |
| Card Member loans: | | | | | | | | | | |
First 8 of 27 rows. The CSV has all of them.
Table 12 after “Table 11: CS Selected Income Statement Data”
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| Three Months EndedSeptember 30, | Change2024 vs. 2023 | Nine Months EndedSeptember 30, | | Change2024 vs. 2023 | | | | | |
| (Millions, except percentages) | 2024 | 2023 | | 2024 | | 2023 | | | | |
| Revenues | | | | | | | | | | |
| Non-interest revenues | $3,304 | $3,257 | $47 | | | 1% | $9,831 | $9,665 | $166 | 2% |
| Interest income | 1,142 | 881 | 261 | | | 30 | 3,198 | 2,379 | 819 | 34 |
| Interest expense | 448 | 391 | 57 | | | 15 | 1,292 | 1,076 | 216 | 20 |
| Net interest income | 694 | 490 | 204 | | | 42 | 1,906 | 1,303 | 603 | 46 |
| Total revenues net of interest expense | 3,998 | 3,747 | 251 | | | 7 | 11,737 | 10,968 | 769 | 7 |
First 8 of 15 rows. The CSV has all of them.
Table 13 after “Table 12: CS Selected Statistical Information”
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| As of or for theThree Months EndedSeptember 30, | Change 2024 vs 2023 | | As of or for theNine Months EndedSeptember 30, | | Change 2024 vs 2023 | | | | |
| (Millions, except percentages and where indicated) | 2024 | 2023 | | | 2024 | | 2023 | | | |
| Billed business (billions) | $131.0 | $129.5 | | 1% | | | $390.4 | | $384.7 | 1% |
| Proprietary cards-in-force | 15.5 | 15.4 | | 1 | | | 15.5 | | 15.4 | 1 |
| Average Card Member spending (dollars) | $8,474 | $8,434 | | — | | | $25,319 | | $25,234 | — |
| Total segment assets | $59,716 | $56,585 | | 6 | | | $59,716 | | $56,585 | 6 |
| Card Member loans: | | | | | | | | | | |
| Total loans | $29,869 | $25,150 | | 19 | | | $29,869 | | $25,150 | 19 |
First 8 of 27 rows. The CSV has all of them.
Table 14 after “Table 13: ICS Selected Income Statement Data”
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| Three Months EndedSeptember 30, | Change | Nine Months EndedSeptember 30, | Change | | | | | | |
| (Millions, except percentages) | 2024 | 2023 | 2024 vs. 2023 | 2024 | | 2023 | 2024 vs. 2023 | | | |
| Revenues | | | | | | | | | | |
| Non-interest revenues | $2,659 | $2,390 | $269 | | 11% | | $7,644 | $7,006 | $638 | 9% |
| Interest income | 588 | 538 | 50 | | 9 | | 1,748 | 1,502 | 246 | 16 |
| Interest expense | 311 | 285 | 26 | | 9 | | 921 | 770 | 151 | 20 |
| Net interest income | 277 | 253 | 24 | | 9 | | 827 | 732 | 95 | 13 |
| Total revenues net of interest expense | 2,936 | 2,643 | 293 | | 11 | | 8,471 | 7,738 | 733 | 9 |
First 8 of 15 rows. The CSV has all of them.
Table 15 after “Table 14: ICS Selected Statistical Information”
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| As of or for theThree Months EndedSeptember 30, | Change2024vs.2023 | | As of or for theNine Months EndedSeptember 30, | | Change2024vs.2023 | | | | |
| (Millions, except percentages and where indicated) | 2024 | 2023 | | | 2024 | | 2023 | | | |
| Billed business (billions) | $93.6 | $82.7 | | 13% | | | $269.2 | | $241.4 | 12% |
| Proprietary cards-in-force | 21.7 | 20.8 | | 4 | | | 21.7 | | 20.8 | 4 |
| Proprietary basic cards-in-force | 16.2 | 15.4 | | 5 | | | 16.2 | | 15.4 | 5 |
| Average proprietary basic Card Member spending (dollars) | $5,829 | $5,382 | | 8 | | | $16,956 | | $15,861 | 7 |
| Total segment assets | $43,073 | $38,553 | | 12 | | | $43,073 | | $38,553 | 12 |
| Card Member loans — consumer and small business: | | | | | | | | | | |
First 8 of 28 rows. The CSV has all of them.
Table 16 after “Table 15: GMNS Selected Income Statement and Other Data”
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| Three Months EndedSeptember 30, | Change 2024 vs. 2023 | Nine Months EndedSeptember 30, | | Change 2024 vs. 2023 | | | | | | | | |
| (Millions, except percentages and where indicated) | 2024 | 2023 | | 2024 | | 2023 | | | | | | | |
| Revenues | | | | | | | | | | | | | |
| Non-interest revenues | $1,667 | $1,656 | $11 | | | 1% | | $5,006 | | $4,927 | $79 | | 2% |
| Interest income | 11 | 14 | (3) | | | (21) | | 41 | | 42 | (1) | | (2) |
| Interest expense | (169) | (181) | 12 | | | 7 | | (543) | | (486) | (57) | | (12) |
| Net interest income | 180 | 195 | (15) | | | (8) | | 584 | | 528 | 56 | | 11 |
| Total revenues net of interest expense | 1,847 | 1,851 | (4) | | | — | | 5,590 | | 5,455 | 135 | | 2 |
First 8 of 18 rows. The CSV has all of them.
Table 17 after “Table 16: Regulatory Risk-Based Capital and Leverage Ratios”
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| Effective Minimum (a) | Ratios as of September 30, 2024 |
| Risk-Based Capital | | |
| Common Equity Tier 1 | 7.0% | |
| American Express Company | | 10.7% |
| American Express National Bank | | 11.6 |
| Tier 1 | 8.5% | |
| American Express Company | | 11.4 |
| American Express National Bank | | 11.6 |
First 8 of 14 rows. The CSV has all of them.
Table 18 after “Table 17: Regulatory Risk-Based Capital Components and Risk Weighted Assets”
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| American Express Company($ in Billions) | September 30, 2024 |
| Risk-Based Capital | |
| Common Equity Tier 1 | $24.6 |
| Tier 1 Capital | 26.2 |
| Tier 2 Capital | 4.6 |
| Total Capital | 30.8 |
| Risk-Weighted Assets | 229.9 |
| Average Total Assets to calculate the Tier 1 Leverage Ratio | $267.6 |
Table 19 after “Table 18: Summary of Customer Deposits and Consolidated Debt”
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| (Billions) | September 30, 2024 | December 31, 2023 | |
| Customer deposits | $135.4 | | $129.1 |
| Short-term borrowings | 1.5 | | 1.3 |
| Long-term debt | 53.5 | | 47.9 |
| Total customer deposits and debt | $190.4 | | $178.3 |
| (Billions) | Three Months Ended September 30, 2024 |
| American Express Company: | |
| Floating Rate Senior Notes (compounded SOFR(a) plus 93 basis points) | $0.5 |
| Fixed-to-Floating Rate Senior Notes (weighted-average coupon of 5.18% during the fixed rate period and compounded SOFR(a) plus weighted-average spread of 122 basis points during the floating rate period) | 2.9 |
| American Express Credit Account Master Trust: | |
| Fixed Rate Class A Certificates (weighted-average coupon of 4.65%) | $1.2 |
| Total | $4.6 |
Table 21 after “Table 20: Unsecured Debt Ratings”
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| American Express Entity | Moody’s | S&P | Fitch | |
| American Express Company | Long Term | A2 | BBB+ | A |
| Short Term | N/R | A-2 | F1 | |
| Outlook | Stable | Positive | Stable | |
| American Express Travel Related Services Company, Inc. | Long Term | A2 | A- | A |
| Short Term | P-1 | A-2 | F1 | |
| Outlook | Stable | Positive | Stable | |
| American Express National Bank | Long Term | A3 | A- | A |
First 8 of 13 rows. The CSV has all of them.
Table 22 after “Table 21: Average Interest Rates Paid on Deposits”
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| Three Months Ended September 30, | | | | | | | | | | |
| 2024 | 2023 | | | | | | | | | |
| (Millions, except percentages) | Average Balance | Interest Expense | | Average Interest Rate (a) | Average Balance | | Interest Expense | Average Interest Rate (a) | | | |
| Savings accounts | $103,602 | | $1,089 | | | 4.2% | | $86,598 | | $889 | 4.1% |
| Checking accounts | 1,731 | | 6 | | | 1.4 | | 1,246 | | 4 | 1.2 |
| Certificates of deposit: | | | | | | | | | | | |
| Direct | 4,831 | 52 | | 4.3 | | | 4,748 | 45 | 3.7 | | |
| Third-party (brokered) | 7,899 | 83 | | 4.2 | | | 13,834 | 132 | 3.8 | | |
First 8 of 20 rows. The CSV has all of them.
| (Billions) | 2024 | 2023 | |
| Total cash provided by (used in): | | | |
| Operating activities | $8.3 | | $11.8 |
| Investing activities | (12.2) | | (16.3) |
| Financing activities | 5.2 | | 14.3 |
| Effect of foreign currency exchange rates on cash and cash equivalents | — | | 0.2 |
| Net increase in cash and cash equivalents | $1.3 | | $10.0 |
| Three Months Ended September 30 (Millions, except per share amounts) | 2024 | 2023 | |
| Revenues | | | |
| Non-interest revenues | | | |
| Discount revenue | $8,780 | | $8,408 |
| Net card fees | 2,170 | | 1,846 |
| Service fees and other revenue | 1,267 | | 1,261 |
| Processed revenue | 413 | | 424 |
| Total non-interest revenues | 12,630 | | 11,939 |
First 8 of 42 rows. The CSV has all of them.
| Nine Months Ended September 30 (Millions, except per share amounts) | 2024 | 2023 | |
| Revenues | | | |
| Non-interest revenues | | | |
| Discount revenue | $26,015 | | $24,836 |
| Net card fees | 6,204 | | 5,348 |
| Service fees and other revenue | 3,839 | | 3,711 |
| Processed revenue | 1,207 | | 1,291 |
| Total non-interest revenues | 37,265 | | 35,186 |
First 8 of 42 rows. The CSV has all of them.
| Three Months Ended September 30, | Nine Months Ended September 30, | | | | |
| (Millions) | 2024 | 2023 | | 2024 | 2023 | |
| Net income | $2,507 | | $2,451 | | $7,959 | $6,441 |
| Other comprehensive income (loss): | | | | | | |
| Net unrealized debt securities gains (losses), net of tax | 4 | | 14 | | 8 | 34 |
| Foreign currency translation adjustments, net of hedges and tax | 1 | | (110) | | (135) | (57) |
| Net unrealized pension and other postretirement benefits, net of tax | — | | 4 | | 4 | 57 |
| Other comprehensive income (loss) | 5 | | (92) | | (123) | 34 |
First 8 of 9 rows. The CSV has all of them.
| (Millions, except share data) | September 30, 2024 | December 31, 2023 | |
| Assets | | | |
| Cash and cash equivalents | | | |
| Cash and due from banks (includes restricted cash of consolidated variable interest entities: 2024, $13; 2023, nil) | $3,205 | | $7,118 |
| Interest-bearing deposits in other banks | 44,593 | | 39,312 |
| Short-term investment securities (includes restricted investments of consolidated variable interest entities: 2024, $88; 2023, $66) | 120 | | 166 |
| Total cash and cash equivalents (includes restricted cash: 2024, $471; 2023, $514) | 47,918 | | 46,596 |
| Card Member receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity: 2024, $4,530; 2023, $4,587), less reserves for credit losses: 2024, $156; 2023, $174 | 58,886 | | 60,237 |
First 8 of 31 rows. The CSV has all of them.
| Nine Months Ended September 30 (Millions) | 2024 | 2023 | |
| Cash Flows from Operating Activities | | | |
| Net income | $7,959 | | $6,441 |
| Adjustments to reconcile net income to net cash provided by operating activities: | | | |
| Provisions for credit losses | 3,893 | | 3,486 |
| Depreciation and amortization | 1,248 | | 1,229 |
| Stock-based compensation | 393 | | 341 |
| Deferred taxes | (917) | | (1,227) |
First 8 of 37 rows. The CSV has all of them.
| Three months ended September 30, 2024 (Millions, except per share amounts) | Total | Preferred Shares | | Common Shares | Additional Paid-in Capital | Accumulated Other Comprehensive Income (Loss) | | Retained Earnings | | |
| Balances as of June 30, 2024 | $29,540 | | $— | | $143 | | $11,332 | | $(3,200) | $21,265 |
| Net income | 2,507 | | — | | — | | — | | — | 2,507 |
| Other comprehensive income (loss) | 5 | | — | | — | | — | | 5 | — |
| Repurchase of common shares | (1,919) | | — | | (2) | | (121) | | — | (1,796) |
| Other changes, including employee plans | 83 | | — | | — | | 84 | | — | (1) |
| Cash dividends declared preferred Series D, $9,072.22 per share | (15) | | — | | — | | — | | — | (15) |
| Cash dividends declared common, $0.70 per share | (494) | | — | | — | | — | | — | (494) |
First 8 of 9 rows. The CSV has all of them.
| Nine months ended September 30, 2024 (Millions, except per share amounts) | Total | Preferred Shares | | Common Shares | Additional Paid-in Capital | Accumulated Other Comprehensive Income (Loss) | | Retained Earnings | | |
| Balances as of December 31, 2023 | $28,057 | | $— | | $145 | | $11,372 | | $(3,072) | $19,612 |
| Net income | 7,959 | | — | | — | | — | | — | 7,959 |
| Other comprehensive income (loss) | (123) | | — | | — | | — | | (123) | — |
| Repurchase of common shares | (4,822) | | — | | (4) | | (321) | | — | (4,497) |
| Other changes, including employee plans | 184 | | — | | — | | 244 | | — | (60) |
| Cash dividends declared preferred Series D, $27,315.27 per share | (44) | | — | | — | | — | | — | (44) |
| Cash dividends declared common, $2.10 per share | (1,504) | | — | | — | | — | | — | (1,504) |
First 8 of 9 rows. The CSV has all of them.
| Three months ended September 30, 2023 (Millions, except per share amounts) | Total | Preferred Shares | | Common Shares | Additional Paid-in Capital | Accumulated Other Comprehensive Income (Loss) | | Retained Earnings | | |
| Balances as of June 30, 2023 | $26,703 | | $— | | $148 | | $11,509 | | $(3,084) | $18,130 |
| Net income | 2,451 | | — | | — | | — | | — | 2,451 |
| Other comprehensive income (loss) | (92) | | — | | — | | — | | (92) | — |
| Repurchase of common shares | (1,299) | | — | | (2) | | (123) | | — | (1,174) |
| Other changes, including employee plans | 14 | | — | | — | | 15 | | — | (1) |
| Cash dividends declared preferred Series D, $9,072.22 per share | (14) | | — | | — | | — | | — | (14) |
| Cash dividends declared common, $0.60 per share | (439) | | — | | — | | — | | — | (439) |
First 8 of 9 rows. The CSV has all of them.
| Nine months ended September 30, 2023 (Millions, except per share amounts) | Total | Preferred Shares | | Common Shares | Additional Paid-in Capital | Accumulated Other Comprehensive Income (Loss) | | Retained Earnings | | |
| Balances as of December 31, 2022 | $24,711 | | $— | | $149 | | $11,493 | | $(3,210) | $16,279 |
| Net income | 6,441 | | — | | — | | — | | — | 6,441 |
| Other comprehensive income (loss) | 34 | | — | | — | | — | | 34 | — |
| Repurchase of common shares | (2,611) | | — | | (3) | | (246) | | — | (2,362) |
| Other changes, including employee plans | 126 | | — | | — | | 154 | | — | (28) |
| Cash dividends declared preferred Series D, $27,019.44 per share | (43) | | — | | — | | — | | — | (43) |
| Cash dividends declared common, $1.80 per share | (1,334) | | — | | — | | — | | — | (1,334) |
First 8 of 9 rows. The CSV has all of them.
Table 33 after “Card Member and Other loans as of September 30, 2024 and December 31, 2023 consisted of:”
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| (Millions) | 2024 | 2023 | |
| Consumer (a) | $102,236 | | $98,111 |
| Small Business | 32,275 | | 27,833 |
| Corporate | 37 | | 51 |
| Card Member loans | 134,548 | | 125,995 |
| Less: Reserves for credit losses | 5,588 | | 5,118 |
| Card Member loans, net | $128,960 | | $120,877 |
| Other loans, net (b) | $8,306 | | $6,960 |
Table 34 after “Card Member receivables as of September 30, 2024 and December 31, 2023 consisted of:”
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| (Millions) | 2024 | 2023 | |
| Consumer | $23,426 | | $25,578 |
| Small Business | 18,925 | | 19,286 |
| Corporate (a) | 16,691 | | 15,547 |
| Card Member receivables | 59,042 | | 60,411 |
| Less: Reserves for credit losses | 156 | | 174 |
| Card Member receivables, net | $58,886 | | $60,237 |
Table 35 after “The following tables present the aging of Card Member loans and receivables as of September 30, 2024 and December 31, 2023:”
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| 2024 (Millions) | Current | 30-59 Days Past Due | | 60-89 Days Past Due | 90+ Days Past Due | Total | | 90+ Days Past Due and Still Accruing Interest (c) | Non-Accruals(d) | | |
| Card Member Loans: | | | | | | | | | | | |
| Consumer | $100,819 | | $446 | | $327 | | $644 | | $102,236 | $409 | $391 |
| Small Business | 31,813 | | 154 | | 108 | | 200 | | 32,275 | 125 | 116 |
| Corporate (a) | (b) | (b) | | (b) | — | | 37 | | — | — | |
| Card Member Receivables: | | | | | | | | | | | |
| Consumer | 23,245 | | 59 | | 41 | | 81 | | 23,426 | — | — |
| Small Business | $18,704 | | $83 | | $51 | | 87 | | 18,925 | — | — |
First 8 of 9 rows. The CSV has all of them.
Table 36 after “The following tables present the aging of Card Member loans and receivables as of September 30, 2024 and December 31, 2023:”
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| 2023 (Millions) | Current | 30-59 Days Past Due | | 60-89 Days Past Due | 90+ Days Past Due | Total | | 90+ Days Past Due and Still Accruing Interest (c) | Non-Accruals(d) | | |
| Card Member Loans: | | | | | | | | | | | |
| Consumer | $96,779 | | $420 | | $298 | | $614 | | $98,111 | $393 | $344 |
| Small Business | 27,444 | | 133 | | 85 | | 171 | | 27,833 | 109 | 95 |
| Corporate (a) | (b) | (b) | | (b) | — | | 51 | | — | — | |
| Card Member Receivables: | | | | | | | | | | | |
| Consumer | 25,355 | | 70 | | 47 | | 106 | | 25,578 | — | — |
| Small Business | $19,020 | | $104 | | $62 | | 100 | | 19,286 | — | — |
First 8 of 9 rows. The CSV has all of them.
Table 37 after “The following table presents the key credit quality indicators as of or for the nine months ended September 30:”
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| | 2024 | | 2023 | | | | | | | |
| Net Write-Off Rate | | | | Net Write-Off Rate | | | | | | |
| Principal Only (a) | | Principal, Interest & Fees (a) | | 30+ Days Past Due as a % of Total | Principal Only (a) | | Principal, Interest & Fees (a) | 30+ Days Past Due as a % of Total | | |
| Card Member Loans: | | | | | | | | | | | |
| Consumer | | 2.2% | | | 2.8% | | 1.4% | | 1.7% | 2.1% | 1.3% |
| Small Business | | 2.2% | | | 2.6% | | 1.4% | | 1.5% | 1.8% | 1.3% |
| Card Member Receivables: | | | | | | | | | | | |
| Consumer | | 1.3% | | | 1.4% | | 0.8% | | 1.6% | 1.7% | 1.0% |
First 8 of 10 rows. The CSV has all of them.
Table 38 after “The following tables provide information relating to loans and receivables modifications for borrowers experiencing financial difficulty dur”
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| Three Months Ended September 30, | | | | | | | | | | | | | | | |
| 2024 | 2023 | | | | | | | | | | | | | | |
| Account Balances(Millions) (a) | % of Total Class of Financing Receivables | | Weighted Average Interest Rate Reduction (% points) | Weighted Average Payment Term Extensions (# of months) | Account Balances(Millions) (a) | | % of Total Class of Financing Receivables | | Weighted Average Interest Rate Reduction (% points) | | Weighted Average Payment Term Extensions (# of months) | | | | |
| Interest Rate Reduction | | | | | | | | | | | | | | | | |
| Card Member Loans | | | | | | | | | | | | | | | | |
| Consumer | $511 | | 0.5% | | 18.3% | | (b) | | $542 | | | 0.6% | | 16.4% | | (b) |
| Small Business | 185 | | 0.6% | | 17.6% | | (b) | | 167 | | | 0.6% | | 15.9% | | (b) |
| Corporate | — | | — | | — | | (b) | | — | | | — | | — | | (b) |
First 8 of 17 rows. The CSV has all of them.
| Nine Months Ended September 30, | | | | | | | | | | | | | | | |
| 2024 | 2023 | | | | | | | | | | | | | | |
| Account Balances(Millions) (a) | % of Total Class of Financing Receivables | | Weighted Average Interest Rate Reduction (% points) | Weighted Average Payment Term Extensions (# of months) | Account Balances(Millions) (a) | | % of Total Class of Financing Receivables | | Weighted Average Interest Rate Reduction (% points) | | Weighted Average Payment Term Extensions (# of months) | | | | |
| Interest Rate Reduction | | | | | | | | | | | | | | | | |
| Card Member Loans | | | | | | | | | | | | | | | | |
| Consumer | $1,438 | | 1.4% | | 18.2% | | (b) | | $1,113 | | | 1.2% | | 16.1% | | (b) |
| Small Business | 514 | | 1.6% | | 17.5% | | (b) | | 411 | | | 1.5% | | 15.7% | | (b) |
| Corporate | — | | — | | — | | (b) | | — | | | — | | — | | (b) |
First 8 of 17 rows. The CSV has all of them.
Table 40 after “The following table provides information with respect to modified loans and receivables that defaulted during the periods presented and were”
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| Three Months Ended September 30, 2024 | Nine Months Ended September 30, 2024 | | | | | | | | | | | | | | | | | |
| Account Balance (Millions) (a) | Interest Rate Reduction | Term Extension | | Interest Rate Reduction and Term Extension | | Total | | Interest Rate Reduction | | Term Extension | | Interest Rate Reduction and Term Extension | | Total | | | | | |
| Card Member Loans | | | | | | | | | | | | | | | | | | | |
| Consumer | $52 | | (b) | | $— | | $52 | | | $75 | | | (b) | | $— | | $75 | | |
| Small Business | 23 | | (b) | | — | | 23 | | | 33 | | | (b) | | — | | 33 | | |
| Corporate | — | | (b) | | — | | — | | | — | | | (b) | | — | | — | | |
| Card Member Receivables | | | | | | | | | | | | | | | | | | | |
| Consumer | (c) | $6 | | | — | | | 6 | | | (c) | | $8 | | | — | | 8 | |
First 8 of 12 rows. The CSV has all of them.
Table 41 after “The following table provides information relating to the performance of loans and receivables that were modified during the prior twelve mon”
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| As of September 30, 2024 | | | | |
| Account Balances (Millions) (a) | Current | 30-89 Days Past Due | | 90+ Days Past Due | |
| Card Member Loans | | | | | |
| Consumer | $1,647 | | $124 | | $48 |
| Small Business | 556 | | 59 | | 23 |
| Corporate | — | | — | | — |
| Card Member Receivables: | | | | | |
| Consumer | 261 | | 19 | | 6 |
First 8 of 12 rows. The CSV has all of them.
Table 42 after “The following table provides information relating to the performance of loans and receivables that were modified on or after January 1, 2023”
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| As of September 30, 2023 | | | | |
| Account Balances (Millions) (a) | Current | 30-89 Days Past Due | | 90+ Days Past Due | |
| Card Member Loans | | | | | |
| Consumer | $1,020 | | $73 | | $20 |
| Small Business | 366 | | 34 | | 11 |
| Corporate | — | | — | | — |
| Card Member Receivables: | | | | | |
| Consumer | 257 | | 20 | | 5 |
First 8 of 12 rows. The CSV has all of them.
Table 43 after “The following table reflects the range of macroeconomic scenario key variables used, in conjunction with other inputs, to calculate reserves”
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| U.S. Unemployment Rate | U.S. GDP Growth (Contraction) (a) | | |
| September 30, 2024 | December 31, 2023 | September 30, 2024 | December 31, 2023 |
| Third quarter of 2024 | 4% | 3% - 7% | 2% | 4% - (3)% |
| Fourth quarter of 2024 | 4% - 6% | 3% - 8% | 4% - (3)% | 3% - 1% |
| Fourth quarter of 2025 | 3% - 8% | 3% - 7% | 3% - 1% | 2% |
| Fourth quarter of 2026 | 3% - 7% | 3% - 6% | 3% - 2% | 3% - 2% |
Table 44 after “The following table presents changes in the Card Member loans reserve for credit losses for the three and nine months ended September 30:”
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| Three Months Ended September 30, | Nine Months Ended September 30, | | | | |
| (Millions) | 2024 | 2023 | | 2024 | 2023 | |
| Beginning Balance | $5,321 | | $4,390 | | $5,118 | $3,747 |
| Provisions (a) | 1,114 | | 982 | | 3,098 | 2,691 |
| Net write-offs (b) | | | | | | |
| Principal | (701) | | (525) | | (2,159) | (1,412) |
| Interest and fees | (152) | | (114) | | (462) | (310) |
| Other (c) | 6 | | (12) | | (7) | 5 |
First 8 of 9 rows. The CSV has all of them.
Table 45 after “The following table presents changes in the Card Member receivables reserve for credit losses for the three and nine months ended September ”
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| Three Months Ended September 30, | Nine Months Ended September 30, | | | | |
| (Millions) | 2024 | 2023 | | 2024 | 2023 | |
| Beginning Balance | $171 | | $210 | | $174 | $229 |
| Provisions (a) | 170 | | 206 | | 592 | 658 |
| Net write-offs (b) | (187) | | (241) | | (609) | (714) |
| Other (c) | 2 | | (1) | | (1) | 1 |
| Ending Balance | $156 | | $174 | | $156 | $174 |
Table 46 after “The following is a summary of investment securities as of September 30, 2024 and December 31, 2023:”
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| 2024 | 2023 | | | | | | | | | | | |
| Description of Securities(Millions) | Cost | Gross Unrealized Gains | | Gross Unrealized Losses | Estimated Fair Value | Cost | | Gross Unrealized Gains | Gross Unrealized Losses | Estimated Fair Value | | | |
| Available-for-sale debt securities: | | | | | | | | | | | | | |
| State and municipal obligations | $57 | | $1 | | $(8) | | $50 | | $61 | | $— | $(6) | $55 |
| U.S. Government agency obligations | 4 | | — | | — | | 4 | | 4 | | — | — | 4 |
| U.S. Government treasury obligations | 270 | | 1 | | (2) | | 269 | | 1,217 | | 1 | (12) | 1,206 |
| Mortgage-backed securities (a) | 11 | | — | | — | | 11 | | 12 | | — | (1) | 11 |
| Foreign government bonds and obligations | 817 | | — | | — | | 817 | | 770 | | — | — | 770 |
First 8 of 11 rows. The CSV has all of them.
Table 47 after “The following table provides information about our available-for-sale debt securities with gross unrealized losses and the length of time th”
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| 2024 | 2023 | | | | | | | | | | | |
| Less than 12 months | 12 months or more | | Less than 12 months | 12 months or more | | | | | | | | |
| Description of Securities (Millions) | Estimated Fair Value | Gross Unrealized Losses | | Estimated Fair Value | Gross Unrealized Losses | Estimated Fair Value | | Gross Unrealized Losses | Estimated Fair Value | Gross Unrealized Losses | | | |
| State and municipal obligations | $— | | $— | | $23 | | $(8) | | $— | | $— | $33 | $(6) |
| U.S. Government treasury obligations | — | | — | | 122 | | (2) | | — | | — | 1,114 | (12) |
| Mortgage-backed securities | — | | — | | — | | — | | — | | — | 7 | (1) |
| Total | $— | | $— | | $145 | | $(10) | | $— | | $— | $1,154 | $(19) |
Table 48 after “The following table summarizes the gross unrealized losses for available-for-sale debt securities by ratio of fair value to amortized cost a”
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| Less than 12 months | 12 months or more | | Total | | | | | | | | | | | | | | | |
| Ratio of Fair Value to Amortized Cost(Dollars in millions) | Number of Securities | Estimated Fair Value | | Gross Unrealized Losses | Number of Securities | Estimated Fair Value | | Gross Unrealized Losses | | Number of Securities | Estimated Fair Value | | Gross Unrealized Losses | | | | | | |
| 2024: | | | | | | | | | | | | | | | | | | | |
| 90–100% | — | | $— | | $— | | 7 | | $129 | | $(2) | | | 7 | | $129 | | $(2) | |
| Less than 90% | — | | $— | | $— | | 3 | | | $16 | | $(8) | | | 3 | | $16 | | $(8) |
| Total as of September 30, 2024 | — | | $— | | $— | | 10 | | | $145 | | $(10) | | | 10 | | $145 | | $(10) |
| 2023: | | | | | | | | | | | | | | | | | | | |
| 90–100% | — | | $— | | $— | | 69 | | | $1,140 | | $(14) | | | 69 | | $1,140 | | $(14) |
First 8 of 10 rows. The CSV has all of them.
Table 49 after “Contractual maturities for available-for-sale debt securities with stated maturities as of September 30, 2024 were as follows:”
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| (Millions) | Cost | Estimated Fair Value | |
| Due within 1 year | $867 | | $867 |
| Due after 1 year but within 5 years | 285 | | 284 |
| Due after 5 years but within 10 years | 32 | | 33 |
| Due after 10 years | 49 | | 41 |
| Total | $1,233 | | $1,225 |
Table 50 after “As of September 30, 2024 and December 31, 2023, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:”
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| (Millions) | 2024 | 2023 | |
| U.S.: | | | |
| Interest-bearing | $134,476 | | $128,146 |
| Non-interest-bearing (includes Card Member credit balances of: 2024, $483; 2023, $495) | 532 | | 557 |
| Non-U.S.: | | | |
| Interest-bearing | 17 | | 12 |
| Non-interest-bearing (includes Card Member credit balances of: 2024, $410; 2023, $426) | 413 | | 429 |
| Total customer deposits | $135,438 | | $129,144 |
Table 51 after “Customer deposits by deposit type as of September 30, 2024 and December 31, 2023 were as follows:”
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| (Millions) | 2024 | 2023 | |
| U.S. interest-bearing deposits: | | | |
| Savings accounts | $105,465 | | $92,324 |
| Checking accounts | 1,839 | | 1,398 |
| Certificates of deposit: | | | |
| Direct | 4,882 | | 5,557 |
| Third-party (brokered) | 6,851 | | 12,960 |
| Sweep accounts – Third-party (brokered) | 15,439 | | 15,907 |
First 8 of 12 rows. The CSV has all of them.
Table 52 after “The scheduled maturities of certificates of deposit as of September 30, 2024 were as follows:”
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| (Millions) | 2024 | 2025 | | 2026 | 2027 | 2028 | | After 5 Years | Total | | |
| Certificates of deposit (a) | $1,810 | | $6,575 | | $1,453 | | $1,001 | | $701 | $204 | $11,744 |
Table 53 after “The following table summarizes the total fair value, excluding interest accruals, of derivative assets and liabilities as of September 30, 2”
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| Other Assets Fair Value | Other Liabilities Fair Value | | | | |
| (Millions) | 2024 | 2023 | | 2024 | 2023 | |
| Derivatives designated as hedging instruments: | | | | | | |
| Fair value hedges - Interest rate contracts (a) | $— | | $— | | $19 | $99 |
| Net investment hedges - Foreign exchange contracts | 186 | | 9 | | 319 | 455 |
| Total derivatives designated as hedging instruments | 186 | | 9 | | 338 | 554 |
| Derivatives not designated as hedging instruments: | | | | | | |
| Foreign exchange contracts and other | 185 | | 71 | | 420 | 423 |
First 8 of 12 rows. The CSV has all of them.
Table 54 after “The following table presents the gains and losses recognized in Interest expense on the Consolidated Statements of Income associated with th”
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| Gains (losses) | | | | | |
| Three Months Ended September 30, | Nine Months Ended September 30, | | | | |
| (Millions) | 2024 | 2023 | | 2024 | 2023 | |
| Fixed-rate long-term debt | $(554) | | $52 | | $(481) | $14 |
| Derivatives designated as hedging instruments | 550 | | (52) | | 476 | (15) |
| Total | $(4) | | $— | | $(5) | $(1) |
Table 55 after “The following table summarizes our financial assets and financial liabilities measured at fair value on a recurring basis, categorized by GA”
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| 2024 | 2023 | | | | | | | | | | | |
| (Millions) | Total | Level 1 | | Level 2 | Level 3 | Total | | Level 1 | Level 2 | Level 3 | | | |
| Assets: | | | | | | | | | | | | | |
| Investment securities: (a) | | | | | | | | | | | | | |
| Equity securities | $43 | | $43 | | $— | | $— | | $66 | | $66 | $— | $— |
| Debt securities | 1,225 | | — | | 1,151 | | 74 | | 2,120 | | — | 2,046 | 74 |
| Derivatives, gross (a)(b) | 371 | | — | | 349 | | 22 | | 80 | | — | 62 | 18 |
| Total Assets | 1,639 | | 43 | | 1,500 | | 96 | | 2,266 | | 66 | 2,108 | 92 |
First 8 of 11 rows. The CSV has all of them.
Table 56 after “The following table summarizes the estimated fair values of our financial assets and financial liabilities that are measured at amortized co”
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| Carrying Value | | Corresponding Fair Value Amount | | | | | | |
| 2024 (Billions) | | Total | | Level 1 | Level 2 | | Level 3 | | |
| Financial Assets: | | | | | | | | | |
| Financial assets for which carrying values equal or approximate fair value | | | | | | | | | |
| Cash and cash equivalents (a) | $48 | | | $48 | | $47 | | $1 | $— |
| Other financial assets (b) | 62 | | | 62 | | — | | 62 | — |
| Financial assets carried at other than fair value | | | | | | | | | |
| Card Member and Other loans, less reserves (c) | 137 | | | 143 | | — | | — | 143 |
First 8 of 13 rows. The CSV has all of them.
Table 57 after “The following table summarizes the estimated fair values of our financial assets and financial liabilities that are measured at amortized co”
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| Carrying Value | | Corresponding Fair Value Amount | | | | | | |
| 2023 (Billions) | | Total | | Level 1 | Level 2 | | Level 3 | | |
| Financial Assets: | | | | | | | | | |
| Financial assets for which carrying values equal or approximate fair value | | | | | | | | | |
| Cash and cash equivalents (a) | $47 | | | $47 | | $45 | | $2 | $— |
| Other financial assets (b) | 63 | | | 63 | | — | | 63 | — |
| Financial assets carried at other than fair value | | | | | | | | | |
| Card Member and Other loans, less reserves (c) | 128 | | | 133 | | — | | — | 133 |
First 8 of 13 rows. The CSV has all of them.
Table 58 after “Changes in each component for the three and nine months ended September 30, 2024 and 2023 were as follows:”
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| Three Months Ended September 30, 2024 (Millions), net of tax | Net Unrealized Gains (Losses) on Debt Securities | Foreign CurrencyTranslation Adjustment Gains (Losses), net of hedges (a) | | Net Unrealized Pension and Other Postretirement Benefit Gains (Losses) | Accumulated Other Comprehensive Income (Loss) | |
| Balances as of June 30, 2024 | $(10) | | $(2,707) | | $(483) | $(3,200) |
| Net change | 4 | | 1 | | — | 5 |
| Balances as of September 30, 2024 | $(6) | | $(2,706) | | $(483) | $(3,195) |
Table 59 after “Changes in each component for the three and nine months ended September 30, 2024 and 2023 were as follows:”
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| Nine Months Ended September 30, 2024 (Millions), net of tax | Net Unrealized Gains (Losses) on Debt Securities | Foreign CurrencyTranslation Adjustment Gains (Losses), net of hedges (a) | | Net Unrealized Pension and Other Postretirement Benefit Gains (Losses) | Accumulated Other Comprehensive Income (Loss) | |
| Balances as of December 31, 2023 | $(14) | | $(2,571) | | $(487) | $(3,072) |
| Net change | 8 | | (135) | | 4 | (123) |
| Balances as of September 30, 2024 | $(6) | | $(2,706) | | $(483) | $(3,195) |
Table 60 after “Changes in each component for the three and nine months ended September 30, 2024 and 2023 were as follows:”
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| Three Months Ended September 30, 2023 (Millions), net of tax | Net Unrealized Gains (Losses) on Debt Securities | Foreign Currency Translation Adjustment Gains (Losses), net of hedges (a) | | Net Unrealized Pension and Other Postretirement Benefit Gains (Losses) | Accumulated Other Comprehensive Income (Loss) | |
| Balances as of June 30, 2023 | $(44) | | $(2,569) | | $(471) | $(3,084) |
| Net change | 14 | | (110) | | 4 | (92) |
| Balances as of September 30, 2023 | $(30) | | $(2,679) | | $(467) | $(3,176) |
Table 61 after “Changes in each component for the three and nine months ended September 30, 2024 and 2023 were as follows:”
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| Nine Months Ended September 30, 2023 (Millions), net of tax | Net Unrealized Gains (Losses) on Debt Securities | Foreign Currency Translation Adjustment Gains (Losses), net of hedges (a) | | Net Unrealized Pension and Other Postretirement Benefit Gains (Losses) | Accumulated Other Comprehensive Income (Loss) | |
| Balances as of December 31, 2022 | $(64) | | $(2,622) | | $(524) | $(3,210) |
| Net change | 34 | | (57) | | 57 | 34 |
| Balances as of September 30, 2023 | $(30) | | $(2,679) | | $(467) | $(3,176) |
Table 62 after “The following table shows the tax impact for the three and nine months ended September 30 for the changes in each component of AOCI presente”
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| Tax expense (benefit) | | | | | |
| Three Months Ended September 30, | Nine Months Ended September 30, | | | | |
| (Millions) | 2024 | 2023 | | 2024 | 2023 | |
| Net unrealized gains on debt securities | $— | | $5 | | $2 | $11 |
| Foreign currency translation adjustment, net of hedges | (26) | | 66 | | 30 | (32) |
| Pension and other postretirement benefits | (7) | | 6 | | (5) | 6 |
| Total tax impact | $(33) | | $77 | | $27 | $(15) |
Table 63 after “The following is a detail of Service fees and other revenue for the three and nine months ended September 30:”
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| Three Months Ended September 30, | Nine Months Ended September 30, | | | | |
| (Millions) | 2024 | 2023 | | 2024 | 2023 | |
| Service fees | $370 | | $375 | | $1,197 | $1,114 |
| Foreign currency-related revenue | 401 | | 374 | | 1,140 | 1,071 |
| Delinquency fees | 236 | | 245 | | 705 | 717 |
| Travel commissions and fees | 157 | | 183 | | 481 | 476 |
| Other fees and revenues | 103 | | 84 | | 316 | 333 |
| Total Service fees and other revenue | $1,267 | | $1,261 | | $3,839 | $3,711 |
Table 64 after “The following is a detail of Other expenses for the three and nine months ended September 30:”
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| Three Months Ended September 30, | Nine Months Ended September 30, | | | | |
| (Millions) | 2024 | 2023 | | 2024 | 2023 | |
| Data processing and equipment | $725 | | $704 | | $2,083 | $2,041 |
| Professional services | 579 | | 477 | | 1,576 | 1,384 |
| Gain on sale of Accertify (a) | — | | — | | (531) | — |
| Other | 476 | | 424 | | 1,166 | 1,288 |
| Total Other expenses | $1,780 | | $1,605 | | $4,294 | $4,713 |
Table 65 after “The following table presents tax credit investment expenses and associated income tax credits and other income tax benefits for the three an”
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| Three Months Ended September 30, | Nine Months Ended September 30, | | | | |
| (Millions) | 2024 | 2023 | | 2024 | 2023 | |
| Proportional amortization recognized in tax provision | $48 | | $39 | | $143 | $122 |
| Income tax credits and Other income tax benefits (a) recognized in tax provision | 51 | | 49 | | 164 | 153 |
Table 66 after “The computations of basic and diluted EPS for the three and nine months ended September 30 were as follows:”
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| Three Months Ended September 30, | Nine Months Ended September 30, | | | | |
| (Millions, except per share amounts) | 2024 | 2023 | | 2024 | 2023 | |
| Numerator: | | | | | | |
| Basic and diluted: | | | | | | |
| Net income | $2,507 | | $2,451 | | $7,959 | $6,441 |
| Preferred dividends | (15) | | (14) | | (44) | (43) |
| Net income available to common shareholders | $2,492 | | $2,437 | | $7,915 | $6,398 |
| Earnings allocated to participating share awards (a) | (18) | | (19) | | (59) | (50) |
First 8 of 15 rows. The CSV has all of them.
Table 67 after “The following table presents certain selected financial information for our reportable operating segments and Corporate & Other:”
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| As of or for the Three Months Ended September 30, 2024 (Millions) | USCS | CS | | ICS | GMNS | Corporate & Other (a) | | Consolidated | | |
| Total non-interest revenues | $5,028 | | $3,304 | | $2,659 | | $1,667 | | $(28) | $12,630 |
| Revenue from contracts with customers (b) | 3,620 | | 2,886 | | 1,724 | | 1,493 | | (7) | 9,716 |
| Interest income | 3,722 | | 1,142 | | 588 | | 11 | | 686 | 6,149 |
| Interest expense | 806 | | 448 | | 311 | | (169) | | 747 | 2,143 |
| Total revenues net of interest expense | 7,944 | | 3,998 | | 2,936 | | 1,847 | | (89) | 16,636 |
| Pretax income (loss) | 1,659 | | 908 | | 455 | | 991 | | (809) | 3,204 |
| Total assets | $106,201 | | $59,716 | | $43,073 | | $17,739 | | $44,250 | $270,979 |
Table 68 after “The following table presents certain selected financial information for our reportable operating segments and Corporate & Other:”
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| For the Nine Months Ended September 30, 2024 (Millions) | USCS | CS | | ICS | GMNS | Corporate & Other (a) | | Consolidated | | |
| Total non-interest revenues | $14,823 | | $9,831 | | $7,644 | | $5,006 | | $(39) | $37,265 |
| Revenue from contracts with customers (b) | 10,785 | | 8,603 | | 4,983 | | 4,505 | | (3) | 28,873 |
| Interest income | 10,677 | | 3,198 | | 1,748 | | 41 | | 2,054 | 17,718 |
| Interest expense | 2,325 | | 1,292 | | 921 | | (543) | | 2,218 | 6,213 |
| Total revenues net of interest expense | 23,175 | | 11,737 | | 8,471 | | 5,590 | | (203) | 48,770 |
| Pretax income (loss) | $4,832 | | $2,691 | | $997 | | $3,545 | | $(1,926) | $10,139 |
Table 69 after “The following table presents certain selected financial information for our reportable operating segments and Corporate & Other:”
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| As of or for the Three Months Ended September 30, 2023 (Millions) | USCS | CS | | ICS | GMNS | Corporate & Other (a) | | Consolidated | | |
| Total non-interest revenues | $4,680 | | $3,257 | | $2,390 | | $1,656 | | $(44) | $11,939 |
| Revenue from contracts with customers (b) | 3,464 | | 2,864 | | 1,558 | | 1,499 | | (8) | 9,377 |
| Interest income | 3,228 | | 881 | | 538 | | 14 | | 579 | 5,240 |
| Interest expense | 700 | | 391 | | 285 | | (181) | | 603 | 1,798 |
| Total revenues net of interest expense | 7,208 | | 3,747 | | 2,643 | | 1,851 | | (68) | 15,381 |
| Pretax income (loss) | 1,584 | | 852 | | 387 | | 986 | | (709) | 3,100 |
| Total assets | $98,218 | | $56,585 | | $38,553 | | $20,764 | | $36,467 | $250,587 |
Table 70 after “The following table presents certain selected financial information for our reportable operating segments and Corporate & Other:”
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| For the Nine Months Ended September 30, 2023 (Millions) | USCS | CS | | ICS | GMNS | Corporate & Other (a) | | Consolidated | | |
| Total non-interest revenues | $13,682 | | $9,665 | | $7,006 | | $4,927 | | $(94) | $35,186 |
| Revenue from contracts with customers (b) | 10,182 | | 8,505 | | 4,527 | | 4,470 | | (28) | 27,656 |
| Interest income | 8,937 | | 2,379 | | 1,502 | | 42 | | 1,571 | 14,431 |
| Interest expense | 1,898 | | 1,076 | | 770 | | (486) | | 1,643 | 4,901 |
| Total revenues net of interest expense | 20,721 | | 10,968 | | 7,738 | | 5,455 | | (166) | 44,716 |
| Pretax income (loss) | $3,964 | | $2,195 | | $829 | | $2,834 | | $(1,821) | $8,001 |
Table 71 after “Sensitivity Analysis of Interest Rate Changes on Annual Net Interest Income”
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| (Millions) | Instantaneous Parallel Rate Shocks as of September 30, 2024 (a) | | | | | |
| +200bps | +100bps | -100bps | | -200bps | |
| $(464) | $(210) | | $191 | | $382 |
Table 72 after “The table below sets forth the information with respect to purchases of our common stock made by or on behalf of us during the three months ”
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| Total Number of Shares Purchased | Average Price Paid Per Share (c) | | Total Number of Shares Purchasedas Part of Publicly AnnouncedPlans or Programs (d) | | Maximum Number of Shares that May Yet Be Purchased Under the Plans or Programs | | |
| July 1-31, 2024 | | | | | | | | |
| Repurchase programs(a) | 2,355,500 | | $240.69 | | 2,355,500 | | | 84,045,685 |
| Employee transactions(b) | 14,463 | | $248.89 | | N/A | | N/A | |
| August 1-31, 2024 | | | | | | | | |
| Repurchase programs(a) | 3,586,797 | | $243.10 | | 3,586,797 | | | 80,458,888 |
| Employee transactions(b) | — | | — | | | N/A | | N/A |
| September 1-30, 2024 | | | | | | | | |
First 8 of 13 rows. The CSV has all of them.
Table 73 after “The following exhibits are filed as part of this Quarterly Report:”
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| Exhibit | Description |
| 3.1 | Company’s By-Laws, as amended through September 25, 2024 (incorporated by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K (Commission File No. 1-7657), dated September 25, 2024 (filed September 27, 2024)). |
| 10.1 | Form of Time Sharing Agreement. |
| 31.1 | Certification of Stephen J. Squeri pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended. |
| 31.2 | Certification of Christophe Y. Le Caillec pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended. |
| 32.1 | Certification of Stephen J. Squeri pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. |
| 32.2 | Certification of Christophe Y. Le Caillec pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. |
| 101.INS | XBRL Instance Document - The instance document does not appear in the interactive data file because its XBRL tags are embedded within the inline XBRL document. |
First 8 of 14 rows. The CSV has all of them.