Reportable Operating Segment (Tables)

12 Months Ended

Dec. 31, 2015

The following table presents certain selected financial information for the Company’s reportable operating segments and Corporate & Other as of or for the years ended December 31, 2015, 2014 and 2013:

									Corporate &
(Millions, except where indicated)	USCS		ICS		GCS		GNMS		Other		^(a)	Consolidated
2015
Non-interest revenues	$	13,180	$	4,321	$	3,513	$	5,236	$	646		$	26,896
Interest income		6,267		939		14		98		227			7,545
Interest expense		654		242		185		(194)		736			1,623
Total revenues net of interest expense		18,793		5,018		3,342		5,528		137			32,818
Total provisions^(b)		1,453		329		148		54		4			1,988
Pretax income (loss) from continuing operations		5,355		508		1,073		2,775		(1,773)			7,938
Income tax provision (benefit)		1,942		87		407		1,004		(665)			2,775
Net income (loss)		3,413		421		666		1,771		(1,108)			5,163
Total assets (billions)^(c)		117		35		18		24		(33)			161
Total equity (billions)		10.3		2.9		3.7		2.4		1.4			20.7
2014
Non-interest revenues		12,628		4,737		5,173		5,426		752			28,716
Interest income		5,786		1,085		15		52		241			7,179
Interest expense		604		330		240		(269)		802			1,707
Total revenues net of interest expense		17,810		5,492		4,948		5,747		191			34,188
Total provisions		1,396		370		180		93		5			2,044
Pretax income (loss) from continuing operations		5,100		449		2,408		2,620		(1,586)			8,991
Income tax provision (benefit)		1,900		38		865		960		(657)			3,106
Net income (loss)		3,200		411		1,543		1,660		(929)			5,885
Total assets (billions)^(c)		113		31		19		18		(22)			159
Total equity (billions)		10.4		3.0		3.8		2.0		1.5			20.7
2013
Non-interest revenues		12,019		4,644		5,085		5,229		846			27,823
Interest income		5,565		1,118		13		32		277			7,005
Interest expense		693		361		245		(252)		911			1,958
Total revenues net of interest expense		16,891		5,401		4,853		5,513		212			32,870
Total provisions		1,250		388		129		67		(2)			1,832
Pretax income (loss) from continuing operations		4,994		643		1,244		2,469		(1,462)			7,888
Income tax provision (benefit)		1,801		12		384		894		(562)			2,529
Net income (loss)		3,193		631		860		1,575		(900)			5,359
Total assets (billions)^(c)	$	104	$	31	$	19	$	17	$	(18)		$	153
Total equity (billions)	$	9.3	$	3.1	$	3.7	$	2.0	$	1.4		$	19.5

Corporate & Other includes adjustments and eliminations for intersegment activity.
Effective December 1, 2015, in the USCS segment, total provisions does not include credit costs related to Card Member loans and receivables HFS, which are now reported in Other expenses through a valuation allowance adjustment.
As of September 30,

Total revenues net of interest expense and pretax income

The following table presents the Company’s total revenues net of interest expense and pretax income (loss) from continuing operations in different geographic regions:

(Millions)		United States		EMEA		^(a)	JAPA		^(a)	LACC		^(a)	Other Unallocated		^(b)	Consolidated
2015^(c)
	Total revenues net of interest expense	$	24,791	$	3,161		$	2,649		$	2,384		$	(167)		$	32,818
	Pretax income (loss) from continuing operations		8,010		534			456			658			(1,720)			7,938
2014^(c)
	Total revenues net of interest expense	$	24,751	$	3,767		$	2,934		$	2,888		$	(152)		$	34,188
	Pretax income (loss) from continuing operations		8,869		525			463			683			(1,549)			8,991
2013^(c)
	Total revenues net of interest expense	$	23,641	$	3,700		$	2,952		$	2,900		$	(323)		$	32,870
	Pretax income (loss) from continuing operations		7,679		524			488			701			(1,504)			7,888

EMEA represents Europe, the Middle East and Africa; JAPA represents Japan, Asia/Pacific and Australia; and LACC represents Latin America, Canada and the Caribbean.
Other Unallocated includes net costs which are not directly allocable to specific geographic regions, including costs related to the net negative interest spread on excess liquidity funding and executive office operations expenses.
The data in the above table is, in part, based upon internal allocations, which necessarily involve management’s judgment.