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v3.25.1

Reportable Operating Segments (Tables) | 3 Months Ended
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Mar. 31, 2025
Segment Reporting [Abstract] |
Operating segment information | The following tables present certain selected financial information for our reportable operating segments and Corporate & Other as of or for the three months ended March 31: Table 15.1: Selected Financial Information by Segment
Three Months Ended March 31, 2025 (Millions) |  | USCS |  | CS |  | ICS |  | GMNS |  | Corporate & Other (a) |  | Consolidated
Total non-interest revenues |  | $ | 5,243 |  |  | $ | 3,265 |  |  | $ | 2,646 |  |  | $ | 1,660 |  |  | $ | (16) |  |  | $ | 12,798 |
Revenue from contracts with customers (b) |  | 3,634 |  |  | 2,828 |  |  | 1,688 |  |  | 1,485 |  |  | (9) |  |  | 9,626 |
Interest income |  | 3,763 |  |  | 1,202 |  |  | 596 |  |  | 12 |  |  | 562 |  |  | 6,135 |
Interest expense |  | 757 |  |  | 432 |  |  | 306 |  |  | (143) |  |  | 614 |  |  | 1,966 |
Net interest income |  | 3,006 |  |  | 770 |  |  | 290 |  |  | 155 |  |  | (52) |  |  | 4,169 |
Total revenues net of interest expense |  | 8,249 |  |  | 4,035 |  |  | 2,936 |  |  | 1,815 |  |  | (68) |  |  | 16,967 |
Provisions for credit losses |  | 631 |  |  | 329 |  |  | 192 |  |  | (2) |  |  | — |  |  | 1,150 |
Total revenues net of interest expense after provisions for credit losses |  | 7,618 |  |  | 3,706 |  |  | 2,744 |  |  | 1,817 |  |  | (68) |  |  | 15,817 |
Expenses |  |  |  |  |  |  |  |  |  |  |  |
Card Member rewards, business development and Card Member services (c) |  | 3,882 |  |  | 1,746 |  |  | 1,312 |  |  | 283 |  |  | 12 |  |  | 7,235 |
Marketing |  | 765 |  |  | 337 |  |  | 300 |  |  | 76 |  |  | 8 |  |  | 1,486 |
Salaries and employee benefits and other operating expenses |  | 1,239 |  |  | 787 |  |  | 751 |  |  | 468 |  |  | 521 |  |  | 3,766 |
Total expenses |  | 5,886 |  |  | 2,870 |  |  | 2,363 |  |  | 827 |  |  | 541 |  |  | 12,487 |
Pretax income (loss) |  | $ | 1,732 |  |  | $ | 836 |  |  | $ | 381 |  |  | $ | 990 |  |  | $ | (609) |  |  | $ | 3,330 |
Total assets |  | $ | 110,886 |  |  | $ | 62,012 |  |  | $ | 42,620 |  |  | $ | 18,083 |  |  | $ | 48,643 |  |  | $ | 282,244 |
Three Months Ended March 31, 2024 (Millions) |  | USCS |  | CS |  | ICS |  | GMNS |  | Corporate & Other (a) |  | Consolidated
Total non-interest revenues |  | $ | 4,766 |  |  | $ | 3,194 |  |  | $ | 2,437 |  |  | $ | 1,655 |  |  | $ | (20) |  |  | $ | 12,032 |
Revenue from contracts with customers (b) |  | 3,469 |  |  | 2,795 |  |  | 1,590 |  |  | 1,495 |  |  | (10) |  |  | 9,339 |
Interest income |  | 3,481 |  |  | 1,005 |  |  | 583 |  |  | 17 |  |  | 689 |  |  | 5,775 |
Interest expense |  | 748 |  |  | 414 |  |  | 307 |  |  | (198) |  |  | 735 |  |  | 2,006 |
Net interest income |  | 2,733 |  |  | 591 |  |  | 276 |  |  | 215 |  |  | (46) |  |  | 3,769 |
Total revenues net of interest expense |  | 7,499 |  |  | 3,785 |  |  | 2,713 |  |  | 1,870 |  |  | (66) |  |  | 15,801 |
Provisions for credit losses |  | 727 |  |  | 355 |  |  | 182 |  |  | 6 |  |  | (1) |  |  | 1,269 |
Total revenues net of interest expense after provisions for credit losses |  | 6,772 |  |  | 3,430 |  |  | 2,531 |  |  | 1,864 |  |  | (65) |  |  | 14,532 |
Expenses |  |  |  |  |  |  |  |  |  |  |  |
Card Member rewards, business development and Card Member services (c) |  | 3,356 |  |  | 1,493 |  |  | 1,203 |  |  | 279 |  |  | 6 |  |  | 6,337 |
Marketing |  | 719 |  |  | 326 |  |  | 352 |  |  | 73 |  |  | 6 |  |  | 1,476 |
Salaries and employee benefits and other operating expenses |  | 1,084 |  |  | 733 |  |  | 724 |  |  | 495 |  |  | 538 |  |  | 3,574 |
Total expenses |  | 5,159 |  |  | 2,552 |  |  | 2,279 |  |  | 847 |  |  | 550 |  |  | 11,387 |
Pretax income (loss) |  | $ | 1,613 |  |  | $ | 878 |  |  | $ | 252 |  |  | $ | 1,017 |  |  | $ | (615) |  |  | $ | 3,145 |
Total assets |  | $ | 104,297 |  |  | $ | 58,143 |  |  | $ | 41,472 |  |  | $ | 24,885 |  |  | $ | 40,464 |  |  | $ | 269,261 |
(a)Corporate & Other includes adjustments and eliminations for intersegment activity. (b)Includes discount revenue and certain service fees and other revenue from customers. (c)Card Member rewards, business development and Card Member services expenses are generally correlated to volumes or are variable based on usage.

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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