Non-Interest Revenue and Expense Detail

9 Months Ended

Sep. 30, 2015

Other Income And Other Expense Disclosure [Abstract]

Details of Certain Consolidated Statements of Income Lines

13. Non-Interest Revenue and Expense Detail

The following is a detail of Other commissions and fees:

			Three Months Ended				Nine Months Ended
			September 30,				September 30,
(Millions)		2015		2014		2015		2014
Foreign currency conversion fee revenue		$	213	$	225	$	646	$	665
Delinquency fees			197		184		586		539
Loyalty coalition-related fees			101		100		280		286
Service fees			97		94		279		274
Other(a)			32		39		100		120
	Total Other commissions and fees	$	640	$	642	$	1,891	$	1,884

Other primarily includes revenues from fees related to Membership Rewards programs.

The following is a detail of Other revenues:

		Three Months Ended				Nine Months Ended
		September 30,				September 30,
(Millions)		2015		2014		2015		2014
Global Network Services partner revenues		$	156	$	173	$	474	$	513
Net realized gains on investment securities			1		20		1		100
Other(a)			347		400		1,018		1,066
	Total Other revenues	$	504	$	593	$	1,493	$	1,679

Other includes revenues arising from net revenue earned on cross-border Card Member spending, merchant-related fees, insurance premiums earned from Card Member travel and other insurance programs, Travelers Cheques-related revenues, revenues related to the GBT JV transition services agreement, earnings from equity method investments (including the GBT JV) and other miscellaneous revenue and fees.

The following is a detail of Other expenses:

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
(Millions)	2015		2014		2015		2014
Professional services	$	687	$	731	$	1,966	$	2,240
Occupancy and equipment		523		432		1,372		1,361
Card and merchant-related fraud losses(a)		64		96		247		282
Communications		84		91		257		285
Gain on business travel joint venture transaction		―		(15)		―		(641)
Other(b)		277		261		727		866
Total Other expenses	$	1,635	$	1,596	$	4,569	$	4,393

• Beginning January 1, 2015, merchant-related fraud losses are reported within Other expenses.
• Other expense includes general operating expenses, gains (losses) on sale of assets or businesses not classified as discontinued operations, litigation, certain internal and regulatory review-related reimbursements and insurance costs or settlements, certain loyalty coalition-related expenses and foreign currency-related gains and losses (including the favorable impact from the reassessment of the functional currency of certain UK legal entities in the nine months ended September 30, 2015).