Consolidated Balance Sheets (Unaudited) - USD ($) $ in Millions	Mar. 31, 2025	Dec. 31, 2024
Cash and cash equivalents
Cash and due from banks (includes restricted cash of consolidated variable interest entities: 2025, $14; 2024, $6)	$ 3,024	$ 3,413
Interest-bearing deposits in other banks	49,223	37,006
Short-term investment securities (includes restricted investments of consolidated variable interest entities: 2025, $88; 2024, $82)	261	221
Total cash and cash equivalents (includes restricted cash: 2025, $180; 2024, $427)	52,508	40,640
Investment securities	1,110	1,240
Premises and equipment, less accumulated depreciation and amortization: 2025, $11,130; 2024, $10,739	5,383	5,371
Other assets, less reserves for credit losses: 2025, $23; 2024, $27	21,067	21,179
Total assets	282,244	271,461
Liabilities
Customer deposits	146,396	139,413
Accounts payable	13,564	13,884
Short-term borrowings	1,559	1,374
Long-term debt (includes debt issued by consolidated variable interest entities: 2025, $14,029; 2024, $13,880)	51,236	49,715
Other liabilities	38,287	36,811
Total liabilities	251,042	241,197
Contingencies (Note 7)
Shareholders’ Equity
Preferred shares, $1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of March 31, 2025 and December 31, 2024	0	0
Common shares, $0.20 par value, authorized 3.6 billion shares; issued and outstanding 701 million shares as of March 31, 2025 and 702 million shares as of December 31, 2024	140	141
Additional paid-in capital	11,037	11,370
Retained earnings	23,391	22,148
Accumulated other comprehensive income (loss)	(3,366)	(3,395)
Total shareholders’ equity	31,202	30,264
Total liabilities and shareholders’ equity	282,244	271,461
Card Member Receivables
Cash and cash equivalents
Financing receivables, net	58,355	59,240
Card Member Loans
Cash and cash equivalents
Financing receivables, net	133,611	133,995
Financing receivables held for sale	776	758
Other Loans
Cash and cash equivalents
Financing receivables, net	$ 9,434	$ 9,038