Significant Credit Concentrations (Tables)

12 Months Ended

Dec. 31, 2016

Significant Credit Concentrations (Tables) [Abstract]

The following table details Credco’s maximum credit exposure by category, including the credit exposure associated with derivative financial instruments, as of December 31:

(Billions)			2016		2015
On-balance sheet:
	Individuals^(a)	$	7	$	7
	Financial institutions^(b)		2		1
	Loans to affiliates and other		11		14
	Due from affiliates		1		1
	All other^(c)		11		10
Total on-balance sheet^(d)		$	32	$	33

Individuals primarily include Card Member receivables and loans, including the HFS portfolio in 2015.
Financial institutions primarily include debt obligations of banks, broker-dealers, insurance companies and savings and loan associations.
All other primarily includes Card Member receivables from other corporate institutions.
Certain distinctions between categories require management judgment.

Card Member loans and receivables exposure

The following table details Credco’s Card Member receivables and loans exposure in the United States and outside the United States as of December 31:

(Billions)		2016		2015
United States^(a)	$	14	$	13
Outside the United States		5		5
Total^(b)(c)	$	19	$	18

Includes Card Member receivables HFS for December 31, 2015.
Represents Card Member loans to individuals as well as receivables from individuals and corporate institutions as discussed in footnotes (a) and (c) from the previous table.
The remainder of Credco’s on-balance sheet exposure includes cash and cash equivalents, loans to affiliates and other, due from affiliates and other assets including the credit exposure associated with derivative financial instruments. The majority of these balances are outside the United States.