Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Cash and cash equivalents
Cash and due from banks	$ 2,524,000	$ 2,935,000
Interest-bearing deposits in banks	22,988,000	19,569,000
Short-term investment securities	1,008,000	258,000
Total cash and cash equivalents	26,520,000	22,762,000
Card Member loans and receivables held for sale (includes gross loans and receivables available to settle obligations of consolidated variable interest entities)	0	14,992,000
Accounts receivable
Card Member receivables (includes gross receivables available to settle obligations of consolidated variable interest entity), less reserves	44,821,000	43,671,000
Other receivables, less reserves	2,510,000	3,024,000
Loans
Card Member loans (includes gross loans available to settle obligations of consolidated variable interest entity), less reserves	59,504,000	57,545,000
Other loans, less reserves	1,157,000	1,254,000
Investment securities	3,728,000	3,759,000
Premises and equipment, less accumulated depreciation and amortization	4,301,000	4,108,000
Other assets (includes restricted cash of consolidated variable interest entities)	10,836,000	10,069,000
Total assets	153,377,000	161,184,000
Liabilities
Customer deposits	53,500,000	54,997,000
Travelers Cheques and other prepaid products	2,656,000	3,247,000
Accounts payable	11,372,000	11,822,000
Short-term borrowings (includes debt issued by consolidated variable interest entity)	2,861,000	4,812,000
Long-term debt (includes debt issued by consolidated variable interest entities)	44,894,000	48,061,000
Other liabilities	17,077,000	17,572,000
Total liabilities	132,360,000	140,511,000
Shareholders' Equity
Preferred shares	0	0
Common shares	184,000	194,000
Additional paid-in capital	12,790,000	13,348,000
Retained earnings	10,661,000	9,665,000
Accumulated other comprehensive (loss) income
Net unrealized securities gains, net of tax	50,000	58,000
Foreign currency translation adjustments, net of tax	(2,159,000)	(2,044,000)
Net unrealized pension and other postretirement benefit losses, net of tax	(509,000)	(548,000)
Total accumulated other comprehensive loss	(2,618,000)	(2,534,000)
Total shareholders' equity	21,000,000	20,673,000
Total liabilities and shareholders' equity	$ 153,377,000	$ 161,184,000