Consolidated Balance Sheets (Unaudited) - USD ($) $ in Millions	Sep. 30, 2026	Dec. 31, 2025
Cash and cash equivalents
Cash and due from banks	$ 3,669	$ 3,559
Interest-bearing deposits in other banks	39,294	43,491
Short-term investment securities (includes restricted investments of consolidated variable interest entities: 2026, $72; 2025, $84)	240	742
Total cash and cash equivalents (includes restricted cash: 2026, $166; 2025, $169)	43,203	47,792
Investment securities	5,117	1,043
Premises and equipment, less accumulated depreciation and amortization: 2026, $13,266; 2025, $12,039	8,122	6,118
Other assets, less reserves for credit losses: 2026, $123; 2025, $86	26,649	24,263
Total assets	310,275	300,052
Liabilities
Customer deposits	155,019	152,488
Accounts payable	15,184	14,700
Short-term borrowings	1,415	1,371
Long-term debt (includes debt issued by consolidated variable interest entities: 2026, $12,177; 2025, $13,022)	58,538	56,387
Other liabilities	44,322	41,632
Total liabilities	274,478	266,578
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, 2026 and December 31, 2025	0	0
Common shares, $0.20 par value, authorized 3.6 billion shares; issued and outstanding 671 million shares as of September 30, 2026 and 686 million shares as of December 31, 2025	134	138
Additional paid-in capital	11,168	11,126
Retained earnings	27,888	25,487
Accumulated other comprehensive income (loss)	(3,393)	(3,277)
Total shareholders’ equity	35,797	33,474
Total liabilities and shareholders’ equity	310,275	300,052
Card Balances
Cash and cash equivalents
Financing receivables, net	215,440	207,774
Financing receivables held for sale	0	2,457
Other Loans
Cash and cash equivalents
Financing receivables, net	$ 11,744	$ 10,605