Significant Credit Concentrations (Tables)

12 Months Ended

Dec. 31, 2025

Risks and Uncertainties [Abstract]

Maximum credit exposure by category

The following table details our maximum credit exposure of the on-balance sheet assets by category as of December 31, 2025 and 2024:

TABLE 22.1: MAXIMUM CREDIT EXPOSURE OF ON-BALANCE SHEET ASSETS

(Billions)	2025		2024
Individuals: (a)	$	211	$	194
United States	171		160
Outside the United States (b)	40		34
Institutions:
Financial services (c)	9		9
Other (d)	18		17
Federal Reserve Bank	41		35
Total on-balance sheet	$	280	$	255

(a)Primarily reflects loans and receivables from global consumer and small business Card Members.

(b)The geographic regions with the largest concentration outside the United States include the United Kingdom, Japan, the European Union, Australia, Canada and Mexico.

(c)Represents banks, broker-dealers, insurance companies and savings and loan associations.

(d)Primarily reflects loans and receivables from global corporate Card Members.