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Consolidated Statements of Income - USD ($)
shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Non-interest revenues      
Total non-interest revenues $ 50,406 $ 47,381 $ 42,967
Interest income      
Interest on loans 21,095 17,697 11,967
Interest and dividends on investment securities 86 128 96
Deposits with banks and other 2,614 2,158 595
Total interest income 23,795 19,983 12,658
Interest expense      
Deposits 5,695 4,865 1,527
Long-term debt and other 2,557 1,984 1,236
Total interest expense 8,252 6,849 2,763
Net interest income 15,543 13,134 9,895
Total revenues net of interest expense 65,949 60,515 52,862
Provisions for credit losses      
Provisions for credit losses 5,185 4,923 2,182
Total revenues net of interest expense after provisions for credit losses 60,764 55,592 50,680
Expenses      
Card Member rewards 16,599 15,367 14,002
Business development 5,886 5,657 4,943
Card Member services 4,782 3,968 2,959
Marketing 6,040 5,213 5,458
Salaries and employee benefits 8,198 8,067 7,252
Other, net 6,364 6,807 6,481
Total expenses 47,869 45,079 41,095
Pretax income 12,895 10,513 9,585
Income tax provision 2,766 2,139 2,071
Net income $ 10,129 $ 8,374 $ 7,514
Earnings per Common Share      
Basic (in dollars per share) [1] $ 14.04 $ 11.23 $ 9.86
Diluted (in dollars per share) [1] $ 14.01 $ 11.21 $ 9.85
Average common shares outstanding for earnings per common share:      
Basic (in shares) 712 735 751
Diluted (in shares) 713 736 752
Card Member receivables      
Provisions for credit losses      
Provisions for credit losses $ 774 $ 880 $ 627
Card Member loans      
Provisions for credit losses      
Provisions for credit losses 4,109 3,839 1,514
Other      
Provisions for credit losses      
Provisions for credit losses 302 204 41
Discount revenue      
Non-interest revenues      
Total non-interest revenues 35,192 33,416 30,739
Net card fees      
Non-interest revenues      
Total non-interest revenues 8,449 7,255 6,070
Service fees and other revenue      
Non-interest revenues      
Total non-interest revenues 5,129 5,005 4,521
Processed revenue      
Non-interest revenues      
Total non-interest revenues $ 1,636 $ 1,705 $ 1,637
[1] Represents net income less (i) earnings allocated to participating share awards of $76 million, $64 million and $57 million for the years ended December 31, 2024, 2023 and 2022, respectively, and (ii) dividends on preferred shares of $58 million, $58 million and $57 million for the years ended December 31, 2024, 2023 and 2022, respectively.