XML 44 R30.htm IDEA: XBRL DOCUMENT

Reserves For Losses (Tables)

6 Months Ended

Jun. 30, 2018

Reserves For Losses Tables [Abstract]

Changes in the Card Member loans reserve for losses

The following table presents changes in the Card Member loans reserve for losses for the six months ended June 30:

(Millions)			2018		2017
Balance, January 1			$	1,706	$	1,223
	Provisions^(a)			1,027		741
	Net write-offs^(b)
		Principal		(747)		(557)
		Interest and fees		(148)		(106)
	Other^(c)			2		19
Balance, June 30			$	1,840	$	1,320

Provisions for principal, interest and fee reserve components.
Principal write-offs are presented less recoveries of $217 million and $205 million, and includes net (write-offs) recoveries from TDRs of $(14) million and $(21) million, for the six months ended June 30, 2018 and 2017, respectively. Recoveries of interest and fees were not significant.
Includes foreign currency translation adjustments of $(5) million and $10 million and other adjustments of $7 million and $9 million for the six months ended June 30, 2018 and 2017, respectively.

Card Member loans and related reserves evaluated separately and collectively for impairment

The following table presents Card Member loans evaluated individually and collectively for impairment and related reserves as of June 30, 2018 and December 31, 2017:

(Millions)	2018		2017
Card Member loans evaluated individually for impairment^(a)	$	436	$	367
Related reserves ^(a)	$	70	$	57
Card Member loans evaluated collectively for impairment^(b)	$	74,983	$	73,032
Related reserves ^(b)	$	1,770	$	1,649

Represents loans modified as a TDR and related reserves.
Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing interest, and non-accrual loans. The reserves include the quantitative results of analytical models that are specific to individual pools of loans, and reserves for internal and external qualitative risk factors that apply to loans that are collectively evaluated for impairment.

Changes in the Card Member receivable reserve for losses

The following table presents changes in the Card Member receivables reserve for losses for the six months ended June 30:

(Millions)		2018		2017
Balance, January 1		$	521	$	467
	Provisions^(a)		487		376
	Net write-offs^(b)		(435)		(373)
	Other^(c)		(15)		5
Balance, June 30		$	558	$	475

Provisions for principal and fee reserve components.
Principal and fee write-offs are presented less recoveries of $174 million and $181 million, and includes net recoveries (write-offs) from TDRs of $2 million and $(7) million, for the six months ended June 30, 2018 and 2017, respectively.
Includes foreign currency translation adjustments of $(1) million and $14 million and other adjustments of $(14) million and $(9) million for the six months ended June 30, 2018 and 2017, respectively.

Card Member receivables and related reserves evaluated separately and collectively for impairment

The following table presents Card Member receivables evaluated individually and collectively for impairment, and related reserves, as of June 30, 2018 and December 31, 2017:

(Millions)	2018		2017
Card Member receivables evaluated individually for impairment^(a)	$	108	$	80
Related reserves ^(a)	$	5	$	3
Card Member receivables evaluated collectively for impairment	$	54,874	$	53,967
Related reserves ^(b)	$	553	$	518

Represents receivables modified as a TDR and related reserves.
The reserves include the quantitative results of analytical models that are specific to individual pools of receivables, and reserves for internal and external qualitative risk factors that apply to receivables that are collectively evaluated for impairment.