Consolidated Balance Sheets - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Cash and cash equivalents
Cash and due from banks	$ 2,105	$ 3,402
Interest-bearing deposits in other banks (includes securities purchased under resale agreements)	30,817	20,392
Short-term investment securities	108	138
Total cash and cash equivalents	33,030	23,932
Card Member receivables (includes gross receivables available to settle obligations of consolidated variable interest entity), less reserves for credit losses	40,389	56,794
Card Member loans (includes gross loans available to settle obligations of consolidated variable interest entity), less reserves for credit losses	63,918	84,998
Other loans, less reserves for credit losses	3,144	4,626
Investment securities	22,443	8,406
Premises and equipment, less accumulated depreciation and amortization	4,835	4,834
Other assets (includes restricted cash of consolidated variable interest entities), less reserves for credit losses	19,500	14,731
Total assets	187,259	198,321
Liabilities
Customer deposits	85,461	73,287
Accounts payable	8,232	12,738
Short-term borrowings	1,716	6,442
Long-term debt (includes debt issued by consolidated variable interest entities)	44,777	57,835
Other liabilities	25,204	24,948
Total liabilities	165,390	175,250
Contingencies (Note 7)
Shareholders' Equity
Preferred shares	0	0
Common shares	161	163
Additional paid-in capital	11,818	11,774
Retained earnings	12,762	13,871
Accumulated other comprehensive loss
Net unrealized debt securities gains (losses), net of tax	76	33
Foreign currency translation adjustments, net of tax	(2,348)	(2,189)
Net unrealized pension and other postretirement benefits, net of tax	(600)	(581)
Total accumulated other comprehensive loss	(2,872)	(2,737)
Total shareholders’ equity	21,869	23,071
Total liabilities and shareholders’ equity	$ 187,259	$ 198,321