Non-Interest Revenue and Expense Detail

12 Months Ended

Dec. 31, 2016

Disclosure Text Block Abstract

Non-Interest Revenue and Expense Detail

NOTE 19

Non-interest revenue and expense detail

The following is a detail of Other fees and commissions for the years ended December 31:

(Millions)		2016		2015		2014
Foreign currency conversion fee revenue		$	809	$	852	$	877
Delinquency fees			762		788		722
Loyalty coalition-related fees			410		379		383
Travel commissions and fees			338		349		1,118
Service fees			291		361		366
Other(a)			143		137		160
	Total Other fees and commissions	$	2,753	$	2,866	$	3,626

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

The following is a detail of Other revenues for the years ended December 31:

(Millions)		2016		2015		2014
Gain on sale of investment in Concur Technologies		$	―	$	―	$	744
Global Network Services partner revenues			654		640		694
Gross realized gains on sale of investment securities			9		1		100
Other(a)			1,366		1,392		1,451
	Total Other revenues	$	2,029	$	2,033	$	2,989

Other includes revenues arising from net revenue earned on cross-border Card Member spending, insurance premiums earned from Card Member travel and other insurance programs, merchant-related fees, Prepaid card and Travelers Cheque-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 for the years ended December 31:

(Millions)		2016		2015		2014
Professional services		$	2,583	$	2,750	$	3,008
Occupancy and equipment			1,838		1,854		1,807
Communications			302		345		383
Card and merchant-related fraud losses(a)			223		308		369
Goodwill and long-lived asset impairment			―		384		―
Gain on business travel joint venture transaction			―		―		(630)
Gain on sale of HFS portfolios(b)			(1,218)		―		―
Other(c)			1,434		1,152		1,152
	Total Other expenses	$	5,162	$	6,793	$	6,089

• Beginning January 1, 2015, merchant-related fraud losses are reported within Other expenses.
• Refer to Note 2 for additional information.
• Other expense primarily includes general operating expenses, gains and losses on sales of assets or businesses not classified as discontinued operations, regulatory and litigation-related costs, certain Card Member reimbursements, insurance costs, 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 year ended December 31, 2015). In addition, effective December 1, 2015, Other expenses includes the valuation allowance adjustment associated with loans and receivables HFS.