Consolidated Balance Sheets (Unaudited) - USD ($) $ in Millions	Sep. 30, 2025	Dec. 31, 2024
Cash and cash equivalents
Cash and due from banks (includes restricted cash of consolidated variable interest entities: 2025, $5; 2024, $6)	$ 3,234	$ 3,413
Interest-bearing deposits in other banks	50,201	37,006
Short-term investment securities (includes restricted investments of consolidated variable interest entities: 2025, $1,233; 2024, $82)	1,271	221
Total cash and cash equivalents (includes restricted cash: 2025, $1,330; 2024, $427)	54,706	40,640
Investment securities	1,374	1,240
Premises and equipment, less accumulated depreciation and amortization: 2025, $11,754; 2024, $10,739	5,861	5,371
Other assets, less reserves for credit losses: 2025, $20; 2024, $27	23,185	21,179
Total assets	297,550	271,461
Liabilities
Customer deposits	149,883	139,413
Accounts payable	14,708	13,884
Short-term borrowings	1,446	1,374
Long-term debt (includes debt issued by consolidated variable interest entities: 2025, $14,019; 2024, $13,880)	57,787	49,715
Other liabilities	41,309	36,811
Total liabilities	265,133	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 September 30, 2025 and December 31, 2024	0	0
Common shares, $0.20 par value, authorized 3.6 billion shares; issued and outstanding 689 million shares as of September 30, 2025 and 702 million shares as of December 31, 2024	138	141
Additional paid-in capital	11,059	11,370
Retained earnings	24,469	22,148
Accumulated other comprehensive income (loss)	(3,249)	(3,395)
Total shareholders’ equity	32,417	30,264
Total liabilities and shareholders’ equity	297,550	271,461
Card Member Receivables
Cash and cash equivalents
Financing receivables, net	60,823	59,240
Card Member Loans
Cash and cash equivalents
Financing receivables, net	138,946	133,995
Financing receivables held for sale	2,424	758
Other Loans
Cash and cash equivalents
Financing receivables, net	$ 10,231	$ 9,038