Consolidated Balance Sheets (Unaudited) - USD ($) $ in Millions	Jun. 30, 2025	Dec. 31, 2024
Cash and cash equivalents
Cash and due from banks (includes restricted cash of consolidated variable interest entities: 2025, $11; 2024, $6)	$ 3,120	$ 3,413
Interest-bearing deposits in other banks	54,620	37,006
Short-term investment securities (includes restricted investments of consolidated variable interest entities: 2025, $96; 2024, $82)	197	221
Total cash and cash equivalents (includes restricted cash: 2025, $198; 2024, $427)	57,937	40,640
Investment securities	1,258	1,240
Premises and equipment, less accumulated depreciation and amortization: 2025, $11,369; 2024, $10,739	5,662	5,371
Other assets, less reserves for credit losses: 2025, $19; 2024, $27	22,550	21,179
Total assets	295,556	271,461
Liabilities
Customer deposits	149,386	139,413
Accounts payable	14,121	13,884
Short-term borrowings	1,493	1,374
Long-term debt (includes debt issued by consolidated variable interest entities: 2025, $16,274; 2024, $13,880)	58,202	49,715
Other liabilities	40,043	36,811
Total liabilities	263,245	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 June 30, 2025 and December 31, 2024	0	0
Common shares, $0.20 par value, authorized 3.6 billion shares; issued and outstanding 696 million shares as of June 30, 2025 and 702 million shares as of December 31, 2024	140	141
Additional paid-in capital	11,052	11,370
Retained earnings	24,367	22,148
Accumulated other comprehensive income (loss)	(3,248)	(3,395)
Total shareholders’ equity	32,311	30,264
Total liabilities and shareholders’ equity	295,556	271,461
Card Member Receivables
Cash and cash equivalents
Financing receivables, net	59,405	59,240
Card Member Loans
Cash and cash equivalents
Financing receivables, net	136,508	133,995
Financing receivables held for sale	2,405	758
Other Loans
Cash and cash equivalents
Financing receivables, net	$ 9,831	$ 9,038