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Significant Credit Concentrations (Tables) | 12 Months Ended
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Dec. 31, 2020
Risks and Uncertainties [Abstract] |
Maximum credit exposure by category | The following table details our maximum credit exposure of the on-balance sheet assets by category as of December 31:
(Billions) |  | 2020 |  | 2019
Individuals(a) |  | $ | 108 |  |  | $ | 131 |
Financial Services(b) |  | 34 |  |  | 26 |
U.S. Government and agencies(c) |  | 22 |  |  | 8 |
Institutions(d) |  | 13 |  |  | 20 |
Total on-balance sheet |  | $ | 177 |  |  | $ | 185 |
(a)Primarily reflects loans and receivables from global consumer and small business Card Members, which are governed by individual credit risk management. (b)Represents banks, broker-dealers, insurance companies and savings and loan associations. (c)Represent debt obligations of the U.S. Government and its agencies, states and municipalities and government-sponsored entities. (d)Primarily reflects loans and receivables from global corporate Card Members, which are governed by institutional credit risk management.
Card Member loans and receivables exposure | The following table details our Card Member loans and receivables exposure (including unused lines-of-credit available to Card Members as part of established lending product agreements) in the United States and outside the United States as of December 31:
(Billions) |  | 2020 |  | 2019
On-balance sheet: |  |  |  |
U.S. |  | $ | 95 |  |  | $ | 115 |
Non-U.S. |  | 22 |  |  | 30 |
On-balance sheet |  | 117 |  |  | 145 |
Unused lines-of-credit:(a) |  |  |  |
U.S. |  | 251 |  |  | 245 |
Non-U.S. |  | 63 |  |  | 61 |
Total unused lines-of-credit |  | $ | 314 |  |  | $ | 306 |
(a)Total unused credit available to Card Members does not represent potential future cash requirements, as a significant portion of this unused credit will likely not be drawn. Our charge card products generally have no pre-set spending limit, and therefore are not reflected in unused credit available to Card Members.

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