CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest income:
Loans, including loans held for sale	$ 8,723	$ 6,367
Investment securities	615	402
Other	416	15
Total interest income	9,754	6,784
Interest expense:
Deposits	1,856	218
Securitized debt obligations	211	29
Senior and subordinated notes	489	131
Other borrowings	12	9
Total interest expense	2,568	387
Net interest income	7,186	6,397
Change in estimated partner reimbursements that decreased/(increased) provision for credit losses	2,795	677
Net interest income after provision for credit losses	4,391	5,720
Non-interest income:
Interchange fees, net	1,139	1,033
Service charges and other customer-related fees	379	400
Other	199	343
Total non-interest income	1,717	1,776
Non-interest expense:
Salaries and associate benefits	2,427	2,026
Occupancy and equipment	508	513
Marketing	897	918
Professional services	324	397
Communications and data processing	350	339
Amortization of Intangibles	14	14
Other	425	344
Total non-interest expense	4,945	4,551
Income (loss) from continuing operations before income taxes	1,163	2,945
Income tax provision (benefit)	203	542
Income from continuing operations, net of tax	960	2,403
Net income	960	2,403
Dividends and undistributed earnings allocated to participating securities	(16)	(28)
Preferred stock dividends	(57)	(57)
Net income available to common stockholders	$ 887	$ 2,318
Net income per basic common share	$ 2.32	$ 5.65
Diluted earnings per common share:
Net income per diluted common share	$ 2.31	$ 5.62