XML 13 R2.htm IDEA: XBRL DOCUMENT v3.25.1
Consolidated Statements of Income (Unaudited) - USD ($)
shares in Millions, $ in Millions
3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Non-interest revenues    
Non-interest revenues $ 12,798 $ 12,032
Interest income    
Interest on loans 5,552 5,058
Interest and dividends on investment securities 14 25
Deposits with banks and other 569 692
Total interest income 6,135 5,775
Interest expense    
Deposits 1,337 1,427
Long-term debt and other 629 579
Total interest expense 1,966 2,006
Net interest income 4,169 3,769
Total revenues net of interest expense 16,967 15,801
Provisions for credit losses    
Total provisions for credit losses 1,150 1,269
Total revenues net of interest expense after provisions for credit losses 15,817 14,532
Expenses    
Card Member rewards 4,378 3,774
Business development 1,529 1,392
Card Member services 1,328 1,171
Marketing 1,486 1,476
Salaries and employee benefits 2,120 2,098
Other, net 1,646 1,476
Total expenses 12,487 11,387
Pretax income 3,330 3,145
Income tax provision 746 708
Net income $ 2,584 $ 2,437
Earnings per Common Share    
Basic (in dollars per share) [1] $ 3.64 $ 3.34
Diluted (in dollars per share) [1] $ 3.64 $ 3.33
Average common shares outstanding for earnings per common share:    
Basic (in shares) 701 721
Diluted (in shares) 702 722
Card Member Receivables    
Provisions for credit losses    
Total provisions for credit losses $ 146 $ 196
Card Member Loans    
Provisions for credit losses    
Total provisions for credit losses 901 1,014
Other    
Provisions for credit losses    
Total provisions for credit losses 103 59
Discount revenue    
Non-interest revenues    
Non-interest revenues 8,743 8,380
Net card fees    
Non-interest revenues    
Non-interest revenues 2,333 1,974
Service fees and other revenue    
Non-interest revenues    
Non-interest revenues $ 1,722 $ 1,678
[1] Represents net income less (i) earnings allocated to participating share awards of $18 million for both the three months ended March 31, 2025 and 2024, and (ii) dividends on preferred shares of $14 million for both the three months ended March 31, 2025 and 2024.