EX-99.1 2 exhibit99_1.htm EXHIBIT 99.1
 
U.S. Card Member Loans
  
Exhibit 99.1
 
Ending U.S. Card Member loans:
  
Nov. 30,
2015
    
Dec. 31,
2015
    
Jan. 31,
2016
    
Feb. 29,
2016
    
Mar. 31,
2016
    
Apr. 30,
2016
    
May 31,
2016
    
Jun. 30,
2016
    
Jul. 31,
2016
    
Aug. 31,
2016
    
Sept. 30,
2016
    
Oct. 31,
2016
    
Nov. 30,
2016
  
U.S. Consumer
                                                                              
Loans held for investment
  
$
53,818
    
$
43,496
    
$
42,474
    
$
41,697
    
$
42,432
    
$
42,965
    
$
44,174
    
$
44,594
    
$
44,785
    
$
45,049
    
$
44,857
    
$
45,519
    
$
46,729
  
Loans held for investment related to Costco and JetBlue*
    
12,329
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total loans held for investment excluding loans related to Costco and JetBlue
  
$
41,489
    
$
43,496
    
$
42,474
    
$
41,697
    
$
42,432
    
$
42,965
    
$
44,174
    
$
44,594
    
$
44,785
    
$
45,049
    
$
44,857
    
$
45,519
    
$
46,729
  
Total loans held for investment, growth versus prior year
    
7
%
    
(18
)%
    
(17
)%
    
(15
)%
    
(16
)%
    
(15
)%
    
(15
)%
    
(14
)%
    
(14
)%
    
(14
)%
    
(14
)%
    
(13
)%
     (13
)%
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year
    
9
%
    
10
%
    
11
%
    
12
%
    
12
%
    
12
%
    
13
%
    
14
%
    
14
%
    
12
%
    
12
%
    
12
%
     13
%
Loans held for sale related to Costco and JetBlue*
  
$
-
    
$
12,755
    
$
11,789
    
$
10,901
    
$
9,745
    
$
9,603
    
$
9,582
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
 
 
 
 
*
Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. The Costco and JetBlue portfolios were sold as of June 17, 2016 and March 18, 2016, respectively.
-1-
 
Ending U.S. Card Member loans:
  
Nov. 30, 2015
    
Dec. 31,
2015
    
Jan. 31,
2016
    
Feb. 29,
2016
    
Mar. 31,
2016
    
Apr. 30,
2016
    
May 31,
2016
    
Jun. 30,
2016
    
Jul. 31,
2016
    
Aug. 31,
2016
    
Sept. 30,
2016
    
Oct. 31,
2016
    
Nov. 30,
2016
  
U.S. Small Business
                                                                              
Loans held for investment
  
$
10,126
    
$
7,951
    
$
8,042
    
$
7,970
    
$
8,268
    
$
8,438
    
$
8,530
    
$
8,644
    
$
8,740
    
$
8,781
    
$
9,013
    
$
9,209
    
$
9,335
  
Loans held for investment related to Costco and JetBlue*
    
2,295
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total loans held for investment excluding loans related to Costco and JetBlue
  
$
7,831
    
$
7,951
    
$
8,042
    
$
7,970
    
$
8,268
    
$
8,438
    
$
8,530
    
$
8,644
    
$
8,740
    
$
8,781
    
$
9,013
    
$
9,209
    
$
9,335
  
Total loans held for investment, growth versus prior year
    
8
%
    
(16
)%
    
(15
)%
    
(15
)%
    
(14
)%
    
(14
)%
    
(15
)%
    
(13
)%
    
(12
)%
    
(12
)%
    
(10
)%
    
(10
)%
    
(8
)%
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year
    
12
%
    
13
%
    
13
%
    
12
%
    
13
%
    
14
%
    
13
%
    
15
%
    
16
%
    
16
%
    
17
%
    
16
%
    
19
%
Loans held for sale related to Costco and JetBlue*
  
$
-
    
$
2,345
    
$
2,200
    
$
2,063
    
$
2,032
    
$
2,024
    
$
2,008
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
  
 
*
Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. The Costco and JetBlue portfolios were sold as of June 17, 2016 and March 18, 2016, respectively.
 
-2-
Ending U.S. Card Member loans:
  
Nov. 30,
2015
    
Dec. 31,
2015
    
Jan. 31,
2016
    
Feb. 29,
2016
    
Mar. 31,
2016
    
Apr. 30,
2016
    
May 31,
2016
    
Jun. 30,
2016
    
Jul. 31,
2016
    
Aug. 31,
2016
    
Sept. 30,
2016
    
Oct. 31,
2016
    
Nov. 30,
2016
  
Total U.S. Consumer and Small Business
                                                                              
Loans held for investment
  
$
63,944
    
$
51,446
    
$
50,516
    
$
49,666
    
$
50,699
    
$
51,403
    
$
52,704
    
$
53,238
    
$
53,525
    
$
53,829
    
$
53,870
    
$
54,728
    
$
56,064
  
Loans held for investment related to Costco and JetBlue*
    
14,624
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total loans held for investment excluding loans related to Costco and JetBlue
  
$
49,320
    
$
51,446
    
$
50,516
    
$
49,666
    
$
50,699
    
$
51,403
    
$
52,704
    
$
53,238
    
$
53,525
    
$
53,829
    
$
53,870
    
$
54,728
    
$
56,064
  
Total loans held for investment, growth versus prior year
    
7
%
    
(18
)%
    
(16
)%
    
(15
)%
    
(15
)%
    
(15
)%
    
(15
)%
    
(14
)%
    
(13
)%
    
(14
)%
    
(13
)%
    
(13
)%
    
(12
)%
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year
    
10
%
    
10
%
    
11
%
    
12
%
    
12
%
    
12
%
    
13
%
    
14
%
    
14
%
    
13
%
    
13
%
    
13
%
     14
%
Loans held for sale related to Costco and JetBlue*
   $ -      $ 15,100     $ 13,988     $
12,964
     $
11,777
      $
11,627
     $
11,590
     $
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
  

 
*
Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. The Costco and JetBlue portfolios were sold as of June 17, 2016 and March 18, 2016, respectively.
 
-3-

Delinquency and Write-off Rate Statistics:**
  
Nov. 30,
2015
    
Dec. 31,
2015
    
Jan. 31,
2016
    
Feb. 29,
2016
    
Mar. 31,
2016
    
Apr. 30,
2016
    
May 31,
2016
    
Jun. 30,
2016
    
Jul. 31,
2016
    
Aug. 31,
2016
    
Sept. 30,
2016
    
Oct. 31,
2016
    
Nov. 30,
2016
  
U.S. Consumer
                                                                              
30 days past due loans as a % of total loans
    
1.0
%
    
1.0
%
    
1.0
%
    
1.0
%
    
1.0
%
    
0.9
%
    
0.9
%
    
1.1
%
    
1.1
%
    
1.1
%
    
1.1
%
    
1.1
%
    
1.1
%
Net write-off rate - principal only
    
1.5
%
    
1.4
%
    
1.4
%
    
1.4
%
    
1.5
%
    
1.5
%
    
1.6
%
    
1.3
%
    
1.6
%
    
1.6
%
    
1.6
%
    
1.6
%
    
1.5
%
                                                                                                         
U.S. Small Business
                                                                                                        
30 days past due loans as a % of total loans
    
1.0
%
    
1.1
%
    
1.0
%
    
1.1
%
    
1.0
%
    
1.0
%
    
1.0
%
    
1.1
%
    
1.1
%
    
1.1
%
    
1.1
%
    
1.1
%
    
1.1
%
Net write-off rate - principal only
    
1.2
%
    
1.2
%
    
1.4
%
    
1.4
%
    
1.4
%
    
1.4
%
    
1.3
%
    
1.2
%
    
1.5
%
    
1.6
%
    
1.6
%
    
1.5
%
     1.2
%

 
**
All credit metrics for total loans held for investment. Costco and JetBlue loans reclassified as held for sale as of December 2015.
 
 
 
 
 
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