Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Cash and cash equivalents
Cash and due from banks (includes restricted cash of consolidated variable interest entities: 2024, $6; 2023, nil)	$ 3,413	$ 7,118
Interest-bearing deposits in other banks	37,006	39,312
Short-term investment securities (includes restricted investments of consolidated variable interest entities: 2024, $82; 2023, $66)	221	166
Total cash and cash equivalents (includes restricted cash: 2024, $427; 2023, $514)	40,640	46,596
Investment securities	1,240	2,186
Premises and equipment, less accumulated depreciation and amortization: 2024, $10,739; 2023, $9,911	5,371	5,138
Other assets, less reserves for credit losses: 2024, $27; 2023, $27	21,179	19,114
Total assets	271,461	261,108
Liabilities
Customer deposits	139,413	129,144
Accounts payable	13,884	13,109
Short-term borrowings	1,374	1,293
Long-term debt (includes debt issued by consolidated variable interest entities: 2024, $13,880; 2023, $13,426)	49,715	47,866
Other liabilities	36,811	41,639
Total liabilities	241,197	233,051
Contingencies and Commitments (Note 12)
Shareholders’ Equity
Preferred shares, $1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of December 31, 2024 and 2023 (Note 16)	0	0
Common shares, $0.20 par value, authorized 3.6 billion shares; issued and outstanding 702 million shares as of December 31, 2024 and 723 million shares as of December 31, 2023	141	145
Additional paid-in capital	11,370	11,372
Retained earnings	22,148	19,612
Accumulated other comprehensive income (loss)	(3,395)	(3,072)
Total shareholders’ equity	30,264	28,057
Total liabilities and shareholders’ equity	271,461	261,108
Card Member receivables
Cash and cash equivalents
Financing receivables, net	59,240	60,237
Card Member loans
Cash and cash equivalents
Financing receivables, net	133,995	120,877
Financing receivables held for sale	758	0
Other Loans
Cash and cash equivalents
Financing receivables, net	$ 9,038	$ 6,960