Consolidated Balance Sheets (Unaudited) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Cash and cash equivalents
Cash and due from banks	$ 6,674	$ 7,118
Interest-bearing deposits in other banks	46,033	39,312
Short-term investment securities (includes restricted investments of consolidated variable interest entities: 2024, $81; 2023, $66)	188	166
Total cash and cash equivalents (includes restricted cash: 2024, $471; 2023, $514)	52,895	46,596
Investment securities	1,210	2,186
Premises and equipment, less accumulated depreciation and amortization: 2024, $10,532; 2023, $9,911	5,247	5,138
Other assets, less reserves for credit losses: 2024, $44; 2023, $27	19,835	19,114
Total assets	272,219	261,108
Liabilities
Customer deposits	133,746	129,144
Accounts payable	13,145	13,109
Short-term borrowings	1,639	1,293
Long-term debt (includes debt issued by consolidated variable interest entities: 2024, $15,426; 2023, $13,426)	51,521	47,866
Other liabilities	42,628	41,639
Total liabilities	242,679	233,051
Contingencies (Note 7)
Shareholders’ Equity
Preferred shares, $1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of June 30, 2024 and December 31, 2023	0	0
Common shares, $0.20 par value, authorized 3.6 billion shares; issued and outstanding 712 million shares as of June 30, 2024 and 723 million shares as of December 31, 2023	143	145
Additional paid-in capital	11,332	11,372
Retained earnings	21,265	19,612
Accumulated other comprehensive income (loss)	(3,200)	(3,072)
Total shareholders’ equity	29,540	28,057
Total liabilities and shareholders’ equity	272,219	261,108
Card Member Receivables
Cash and cash equivalents
Financing receivables, net	59,485	60,237
Card Member Loans
Cash and cash equivalents
Financing receivables, net	125,530	120,877
Other Loans
Cash and cash equivalents
Financing receivables, net	$ 8,017	$ 6,960