Reportable Operating Segment (Tables)

12 Months Ended

Dec. 31, 2017

The following table presents certain selected financial information for the Company’s reportable operating segments and Corporate & Other as of or for the years ended December 31, 2017, 2016 and 2015:

(Millions, except where indicated)	USCS		ICNS		GCS		GMS		Corporate & Other		^(a)	Consolidated
2017
Non-interest revenues	$	7,923	$	5,052	$	9,463	$	4,333	$	259		$	27,030
Interest income		5,755		1,029		1,361		1		407			8,553
Interest expense		742		251		540		(262)		841			2,112
Total revenues net of interest expense		12,936		5,830		10,284		4,596		(175)			33,471
Total provisions		1,630		367		744		15		3			2,759
Pretax income (loss) from continuing operations		2,803		1,093		2,999		2,389		(1,870)			7,414
Income tax provision (benefit)		912		181		972		815		1,798			4,678
Net income (loss)		1,891		912		2,027		1,574		(3,668)			2,736
Total assets (billions)	$	94	$	39	$	53	$	29	$	(34)		$	181
2016
Non-interest revenues	$	7,874	$	4,785	$	9,007	$	4,235	$	447		$	26,348
Interest income		5,082		922		1,209		1		261			7,475
Interest expense		536		219		401		(237)		785			1,704
Total revenues net of interest expense		12,420		5,488		9,815		4,473		(77)			32,119
Total provisions^(b)		1,065		325		604		25		7			2,026
Pretax income (loss) from continuing operations		3,881		818		2,945		2,295		(1,843)			8,096
Income tax provision (benefit)		1,368		163		1,036		837		(716)			2,688
Net income (loss)		2,513		655		1,909		1,458		(1,127)			5,408
Total assets (billions)	$	87	$	36	$	47	$	24	$	(35)		$	159
2015
Non-interest revenues	$	8,479	$	4,627	$	8,930	$	4,471	$	389		$	26,896
Interest income		5,198		945		1,175		1		226			7,545
Interest expense		488		235		365		(211)		746			1,623
Total revenues net of interest expense		13,189		5,337		9,740		4,683		(131)			32,818
Total provisions^(b)		1,064		300		588		31		5			1,988
Pretax income (loss) from continuing operations		3,677		904		3,164		2,381		(2,188)			7,938
Income tax provision (benefit)		1,322		220		1,142		882		(791)			2,775
Net income (loss)		2,355		684		2,022		1,499		(1,397)			5,163
Total assets (billions)	$	93	$	35	$	45	$	24	$	(36)		$	161

Corporate & Other includes adjustments and eliminations for intersegment activity.
Beginning December 1, 2015 through to the sale completion dates, in the USCS and GCS segments, total provisions did not include credit costs related to Card Member loans and receivables HFS, which were reported in Other expenses through a valuation allowance adjustment.

Total revenues net of interest expense and pretax income

The following table presents the Company’s total revenues net of interest expense and pretax income (loss) from continuing operations in different geographic regions based, in part, upon internal allocations, which necessarily involve management’s judgment:

(Millions)		United States		EMEA		^(a)	JAPA		^(a)	LACC		^(a)	Other Unallocated		^(b)	Consolidated
2017
	Total revenues net of interest expense	$	24,737	$	3,583		$	3,204		$	2,396		$	(449)		$	33,471
	Pretax income (loss) from continuing operations		7,071		898			602			610			(1,767)			7,414
2016
	Total revenues net of interest expense	$	24,133	$	3,248		$	3,052		$	2,274		$	(588)		$	32,119
	Pretax income (loss) from continuing operations		8,202		482			559			597			(1,744)			8,096
2015
	Total revenues net of interest expense	$	24,927	$	3,293		$	2,791		$	2,412		$	(605)		$	32,818
	Pretax income (loss) from continuing operations		7,500		544			587			693			(1,386)			7,938

EMEA represents Europe, the Middle East and Africa; JAPA represents Japan, Asia/Pacific and Australia; and LACC represents Latin America, Canada and the Caribbean.
Other Unallocated includes net costs which are not directly allocable to specific geographic regions, including costs related to the net negative interest spread on excess liquidity funding and executive office operations expenses.