Consolidated Balance Sheets (Unaudited) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Cash and cash equivalents
Cash and due from banks (includes restricted cash of consolidated variable interest entities: 2024, $13; 2023, nil)	$ 3,205	$ 7,118
Interest-bearing deposits in other banks	44,593	39,312
Short-term investment securities (includes restricted investments of consolidated variable interest entities: 2024, $88; 2023, $66)	120	166
Total cash and cash equivalents (includes restricted cash: 2024, $471; 2023, $514)	47,918	46,596
Investment securities	1,268	2,186
Premises and equipment, less accumulated depreciation and amortization: 2024, $10,867; 2023, $9,911	5,308	5,138
Other assets, less reserves for credit losses: 2024, $49; 2023, $27	20,333	19,114
Total assets	270,979	261,108
Liabilities
Customer deposits	135,438	129,144
Accounts payable	13,162	13,109
Short-term borrowings	1,457	1,293
Long-term debt (includes debt issued by consolidated variable interest entities: 2024, $16,626; 2023, $13,426)	53,546	47,866
Other liabilities	37,669	41,639
Total liabilities	241,272	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 September 30, 2024 and December 31, 2023	0	0
Common shares, $0.20 par value, authorized 3.6 billion shares; issued and outstanding 704 million shares as of September 30, 2024 and 723 million shares as of December 31, 2023	141	145
Additional paid-in capital	11,295	11,372
Retained earnings	21,466	19,612
Accumulated other comprehensive income (loss)	(3,195)	(3,072)
Total shareholders’ equity	29,707	28,057
Total liabilities and shareholders’ equity	270,979	261,108
Card Member Receivables
Cash and cash equivalents
Financing receivables, net	58,886	60,237
Card Member Loans
Cash and cash equivalents
Financing receivables, net	128,960	120,877
Other Loans
Cash and cash equivalents
Financing receivables, net	$ 8,306	$ 6,960