Form 10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

[X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For the Quarterly Period Ended March 31, 2016

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For the Transition Period from to

Commission file number 1-7657

AMERICAN EXPRESS COMPANY

(Exact name of registrant as specified in its charter)


New York				13-4922250
(State or other jurisdiction of				(I.R.S. Employer Identification No.)
incorporation or organization)

200 Vesey Street, New York, NY				10285
(Address of principal executive offices)				(Zip Code)

Registrant’s telephone number, including area code (212) 640-2000

None

Former name, former address and former fiscal year, if changed since last report.

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes X No

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes X No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):


Large accelerated filer	x	Accelerated filer ¨

Non-accelerated filer	¨ (Do not check if a smaller reporting company)	Smaller reporting company ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes No X

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.


Class				Outstanding at April 20, 2016
Common Shares (par value $0.20 per share)				951,033,100 shares

AMERICAN EXPRESS COMPANY

FORM 10-Q

INDEX


Part I.	Financial Information		Page No.

	Item 1.	Financial Statements

		Consolidated Statements of Income – Three Months Ended March 31, 2016 and 2015	1

		Consolidated Statements of Comprehensive Income – Three Months Ended March 31, 2016 and 2015	2

		Consolidated Balance Sheets – March 31, 2016 and December 31, 2015	3

		Consolidated Statements of Cash Flows – Three Months Ended March 31, 2016 and 2015	4

		Notes to Consolidated Financial Statements	5

	Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	28

	Item 3.	Quantitative and Qualitative Disclosures about Market Risk	65

	Item 4.	Controls and Procedures	65

Part II.	Other Information

	Item 1.	Legal Proceedings	69

	Item 1A.	Risk Factors	70

	Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	71

	Item 5.	Other Information	72

	Item 6.	Exhibits	72

	Signatures		73

	Exhibit Index		E-1

PART I. FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

AMERICAN EXPRESS COMPANY

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)



Three Months Ended March 31 (Millions, except per share amounts)	2016		2015
Revenues
Non-interest revenues
Discount revenue	$	4,643	$	4,660
Net card fees		699		667
Other fees and commissions		680		708
Other		486		468

Total non-interest revenues		6,508		6,503

Interest income
Interest on loans		1,938		1,795
Interest and dividends on investment securities		36		41
Deposits with banks and other		31		21

Total interest income		2,005		1,857

Interest expense
Deposits		150		103
Long-term debt and other		275		307

Total interest expense		425		410

Net interest income		1,580		1,447

Total revenues net of interest expense		8,088		7,950

Provisions for losses
Charge card		169		174
Card Member loans		227		235
Other		38		11

Total provisions for losses		434		420

Total revenues net of interest expense after provisions for losses		7,654		7,530

Expenses
Marketing and promotion		727		609
Card Member rewards		1,703		1,640
Card Member services and other		282		261
Salaries and employee benefits		1,338		1,305
Other, net		1,420		1,399

Total expenses		5,470		5,214

Pretax income		2,184		2,316
Income tax provision		758		791

Net income	$	1,426	$	1,525

Earnings per Common Share (Note 15):^(a)
Basic	$	1.45	$	1.49
Diluted	$	1.45	$	1.48

Average common shares outstanding for earnings per common share:
Basic		961		1,019
Diluted		963		1,023
Cash dividends declared per common share	$	0.29	$	0.26

(a)	Represents net income less (i) earnings allocated to participating share awards of $11 million for both the three months ended March 31, 2016 and 2015, and (ii) dividends on preferred shares of $21 million and nil for the three months ended March 31, 2016 and 2015, respectively.

See Notes to Consolidated Financial Statements.


		1

AMERICAN EXPRESS COMPANY

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(Unaudited)



Three Months Ended March 31 (Millions)	2016	2015
Net income	$ 1,426	$ 1,525
Other comprehensive income (loss):
Net unrealized securities gains, net of tax: 2016, $(1); 2015, nil	2	—
Foreign currency translation adjustments, net of tax: 2016, $(38); 2015, $88	4	(255)
Net unrealized pension and other postretirement benefit gains, net of tax: 2016, $19; 2015, $19	26	23

Other comprehensive income (loss)	32	(232)

Comprehensive income	$ 1,458	$ 1,293

See Notes to Consolidated Financial Statements.


		2

AMERICAN EXPRESS COMPANY

CONSOLIDATED BALANCE SHEETS

(Unaudited)



(Millions, except share data)	March 31, 2016		December 31, 2015

Assets
Cash and cash equivalents
Cash and due from banks	$	2,761	$	2,935
Interest-bearing deposits in other banks (includes securities purchased under resale agreements: 2016, $33; 2015, $41)		21,899		19,569
Short-term investment securities		385		258

Total cash and cash equivalents		25,045		22,762
Card Member loans and receivables held for sale (includes gross loans and receivables available to settle obligations of consolidated variable interest entities: 2016, $3,966; 2015, $4,966)		11,689		14,992
Accounts receivable
Card Member receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity: 2016, $5,802; 2015, $6,649), less reserves: 2016, $446; 2015, $462		44,027		43,671
Other receivables, less reserves: 2016, $44; 2015, $43		2,633		3,024
Loans
Card Member loans (includes gross loans available to settle obligations of a consolidated variable interest entity: 2016, $22,206; 2015, $23,559), less reserves: 2016, $1,012; 2015, $1,028		56,394		57,545
Other loans, less reserves: 2016, $35; 2015, $20		1,186		1,254
Investment securities		3,839		3,759
Premises and equipment, less accumulated depreciation and amortization: 2016, $6,972; 2015, $6,801		4,137		4,108
Other assets (includes restricted cash of consolidated variable interest entities: 2016, $37; 2015, $155)		9,866		10,069

Total assets	$	158,816	$	161,184

Liabilities and Shareholders’ Equity
Liabilities
Customer deposits	$	55,764	$	54,997
Travelers Cheques and other prepaid products		3,011		3,247
Accounts payable		12,027		11,822
Short-term borrowings (includes debt issued by a consolidated variable interest entity: 2016, nil; 2015, $100)		2,596		4,812
Long-term debt (includes debt issued by consolidated variable interest entities: 2016, $12,605; 2015, $13,602)		47,311		48,061
Other liabilities		17,380		17,572

Total liabilities		138,089		140,511

Commitments and Contingencies (Note 8)
Shareholders’ Equity
Preferred shares, $1.66^2/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of March 31, 2016 and December 31, 2015		—		—
Common shares, $0.20 par value, authorized 3.6 billion shares; issued and outstanding 951 million shares as of March 31, 2016 and 969 million shares as of December 31, 2015		191		194
Additional paid-in capital		13,089		13,348
Retained earnings		9,949		9,665
Accumulated other comprehensive loss
Net unrealized securities gains, net of tax: 2016, $32; 2015, $32		60		58
Foreign currency translation adjustments, net of tax: 2016, $(139); 2015, $(100)		(2,040)		(2,044)
Net unrealized pension and other postretirement benefit losses, net of tax: 2016, $(204); 2015, $(223)		(522)		(548)

Total accumulated other comprehensive loss		(2,502)		(2,534)

Total shareholders’ equity		20,727		20,673

Total liabilities and shareholders’ equity	$	158,816	$	161,184

See Notes to Consolidated Financial Statements.


		3

AMERICAN EXPRESS COMPANY

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)



Three Months Ended March 31 (Millions)	2016		2015
Cash Flows from Operating Activities
Net income	$	1,426	$	1,525
Adjustments to reconcile net income to net cash provided by operating activities:
Provisions for losses		434		420
Depreciation and amortization		261		251
Deferred taxes and other		218		219
Stock-based compensation		70		71
Changes in operating assets and liabilities, net of effects of acquisitions and dispositions:
Other receivables		427		175
Other assets		232		957
Accounts payable and other liabilities		(356)		(1,230)
Travelers Cheques and other prepaid products		(243)		(262)

Net cash provided by operating activities		2,469		2,126

Cash Flows from Investing Activities
Sales of available-for-sale investment securities		45		—
Maturities and redemptions of available-for-sale investment securities		226		439
Purchase of investments		(345)		(447)
Net decrease in Card Member receivables and loans, including held for sale		4,039		3,129
Purchase of premises and equipment, net of sales: 2016, $1; 2015, $17		(302)		(256)
Acquisitions/dispositions, net of cash acquired		(155)		(59)
Net decrease in restricted cash		132		15

Net cash provided by investing activities		3,640		2,821

Cash Flows from Financing Activities
Net increase in customer deposits		773		784
Net decrease in short-term borrowings		(2,217)		(1,062)
Issuance of long-term debt		35		—
Principal payments on long-term debt		(1,036)		(3,100)
Issuance of American Express preferred shares		—		841
Issuance of American Express common shares		11		54
Repurchase of American Express common shares		(1,128)		(791)
Dividends paid		(302)		(268)

Net cash used in financing activities		(3,864)		(3,542)

Effect of foreign currency exchange rates on cash and cash equivalents		38		(121)

Net increase in cash and cash equivalents		2,283		1,284
Cash and cash equivalents at beginning of period		22,762		22,288

Cash and cash equivalents at end of period	$	25,045	$	23,572

See Notes to Consolidated Financial Statements.


		4

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

1.	Basis of Presentation

The Company

American Express Company (the Company) is a global services company that provides customers with access to products, insights and experiences that enrich lives and build business success. The Company’s principal products and services are charge and credit payment card products and travel-related services offered to consumers and businesses around the world. Business travel-related services are offered through the non-consolidated joint venture, American Express Global Business Travel (GBT JV). The Company’s various products and services are sold globally to diverse customer groups, including consumers, small businesses, mid-sized companies and large corporations. These products and services are sold through various channels, including direct mail, online applications, in-house and third-party sales forces and direct response advertising.

Effective for the first quarter of 2016, the Company realigned its segment presentation to reflect the organizational changes announced during the fourth quarter of 2015. Prior periods have been restated to conform to the new reportable operating segments, which are as follows:

•

U.S. Consumer Services (USCS), including the proprietary U.S. Consumer Card Services business and travel services in the United States;

•

International Consumer and Network Services (ICNS), including the proprietary International Consumer Card Services business, Global Network Services (GNS) business and travel services outside the United States;

•

Global Commercial Services (GCS), including the proprietary Global Corporate Payments (GCP) business, small business services businesses in the United States and internationally (collectively, Global Small Business Services (GSBS)), merchant financing products and foreign exchange services operations; and

•

Global Merchant Services (GMS), including the Global Merchant Services business and global loyalty coalition businesses.

Corporate functions and certain other businesses and operations are included in Corporate & Other.

The accompanying Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2015 (the Annual Report). If not materially different, certain footnote disclosures included therein have been omitted from this Quarterly Report on Form 10-Q.

The interim consolidated financial information in this report has not been audited. In the opinion of management, all adjustments, which consist of normal recurring adjustments necessary for a fair statement of the interim period consolidated financial information, have been made. Results of operations reported for interim periods are not necessarily indicative of results for the entire year.

The preparation of Consolidated Financial Statements in conformity with accounting principles generally accepted in the United States of America (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses, and the disclosures of contingent assets and liabilities. These accounting estimates reflect the best judgment of management, but actual results could differ.

Certain reclassifications of prior period amounts have been made to conform to the current period presentation. Travel commissions and fees, which were separately disclosed on the Consolidated Statements of Income historically, are now included within Other fees and commissions.


		5

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

Recently Issued Accounting Standards

In May 2014, the Financial Accounting Standards Board (FASB) issued new accounting guidance on revenue recognition. The guidance establishes the principles to apply to determine the amount and timing of revenue recognition, specifying the accounting for certain costs related to revenue, and requiring additional disclosures about the nature, amount, timing and uncertainty of revenues and related cash flows. The guidance, as amended, supersedes most of the current revenue recognition requirements, and is effective January 1, 2018, with early adoption as of January 1, 2017, permitted. The Company does not intend to adopt the new standard early and continues to evaluate the impact this guidance, including the method of implementation, will have on its financial position, results of operations and cash flows, among other items.

In January 2016, the FASB issued new accounting guidance on the recognition and measurement of financial assets and financial liabilities. The standard, which is effective January 1, 2018, makes targeted changes to current GAAP, specifically to the classification and measurement of equity securities, and to certain disclosure requirements associated with the fair value of financial instruments. The Company is currently evaluating the impact this guidance will have on its financial position, results of operations and cash flows, among other items.

In February 2016, the FASB issued new accounting guidance on leases. The guidance, which is effective January 1, 2019, with early adoption permitted, requires virtually all leases to be recognized on the Consolidated Balance Sheets and requires retrospective presentation. The Company is currently evaluating the impact this guidance will have on its financial position, results of operations and cash flows, among other items.

In March 2016, the FASB issued new accounting guidance on employee share-based payments. The guidance, which is effective January 1, 2017, with early adoption permitted, simplifies various aspects of the accounting for share-based payment transactions, including the income tax consequences, accounting for award forfeitures, and classification on the Consolidated Statements of Cash Flows. The Company is currently evaluating the impact this guidance will have on its financial position, results of operations and cash flows, among other items.

2.	Business Events

During the first quarter of 2016, the Company completed the sale of its outstanding Card Member loans held for sale (HFS) portfolio related to its cobrand partnership with JetBlue Airways Corporation and recognized a gain of $127 million in Other expenses.

Also during the first quarter of 2016, the Company reached an agreement to sell the outstanding Card Member loans and receivables HFS portfolio related to its cobrand partnership with Costco Wholesale Corporation in the United States. The sale of the portfolio is subject to customary closing conditions, and is expected to be completed in June 2016, at which time a related gain will be recognized. The Company continues to reflect the portfolio within Card Member loans and receivables held for sale on the Consolidated Balance Sheets and the associated valuation allowance adjustment for credit costs in Other expenses.


		6

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

3.	Accounts Receivable and Loans

The Company’s charge and lending payment card products result in the generation of Card Member receivables and Card Member loans, respectively. This Note is presented excluding amounts associated with the Card Member loans and receivables HFS as of March 31, 2016 and December 31, 2015.

Card Member accounts receivable by segment and Other receivables as of March 31, 2016 and December 31, 2015 consisted of:




(Millions)		2016		2015
U.S. Consumer Services^(a)	$	10,332	$	11,807
International Consumer and Network Services		5,563		5,599
Global Commercial Services		28,578		26,727

Card Member receivables^(b)		44,473		44,133
Less: Reserve for losses		446		462

Card Member receivables, net	$	44,027	$	43,671

Other receivables, net^(c)	$	2,633	$	3,024

(a)

Includes $5.8 billion and $6.6 billion of gross Card Member receivables available to settle obligations of a consolidated variable interest entity (VIE) as of March 31, 2016 and December 31, 2015, respectively.

(b)

Includes approximately $12.4 billion and $11.9 billion of Card Member receivables outside the United States as of March 31, 2016 and December 31, 2015, respectively.

(c)

Other receivables primarily represent amounts related to (i) certain merchants for billed discount revenue, (ii) GNS partner banks for items such as royalty and franchise fees and (iii) loyalty coalition partners for points issued, as well as program participation and servicing fees. Other receivables are presented net of reserves for losses of $44 million and $43 million as of March 31, 2016 and December 31, 2015, respectively.

Card Member loans by segment and Other loans as of March 31, 2016 and December 31, 2015 consisted of:




(Millions)		2016		2015
U.S. Consumer Services^(a)	$	42,432	$	43,495
International Consumer and Network Services		6,646		7,072
Global Commercial Services		8,328		8,006

Card Member loans		57,406		58,573
Less: Reserve for losses		1,012		1,028

Card Member loans, net	$	56,394	$	57,545

Other loans, net^(b)	$	1,186	$	1,254

(a)

Includes approximately $22.2 billion and $23.6 billion of gross Card Member loans available to settle obligations of a consolidated VIE as of March 31, 2016 and December 31, 2015, respectively.

(b)

Other loans primarily represent loans to merchants. Other loans are presented net of reserves for losses of $35 million and $20 million as of March 31, 2016 and December 31, 2015, respectively.


		7

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

Card Member Loans and Card Member Receivables Aging

Generally, a Card Member account is considered past due if payment is not received within 30 days after the billing statement date. The following table presents the aging of Card Member loans and receivables as of March 31, 2016 and December 31, 2015:




2016 (Millions)		Current		30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total
Card Member Loans:
U.S. Consumer Services	$	42,006	$	122	$	93	$	211	$	42,432
International Consumer and Network Services		6,529		37		26		54		6,646
Global Commercial Services
Global Small Business Services		8,183		27		19		39		8,268
Global Corporate Payments^(a)		(b)		(b)		(b)		1		60
Card Member Receivables:
U.S. Consumer Services	$	10,187	$	48	$	33	$	64	$	10,332
International Consumer and Network Services		5,478		27		16		42		5,563
Global Commercial Services
Global Small Business Services		12,997		68		49		94		13,208
Global Corporate Payments^(a)		(b)		(b)		(b)		115		15,370




2015 (Millions)		Current		30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total
Card Member Loans:
U.S. Consumer Services	$	43,063	$	128	$	94	$	210	$	43,495
International Consumer and Network Services		6,961		34		25		52		7,072
Global Commercial Services
Global Small Business Services		7,867		26		18		40		7,951
Global Corporate Payments^(a)		(b)		(b)		(b)		1		55
Card Member Receivables:
U.S. Consumer Services	$	11,646	$	54	$	32	$	75	$	11,807
International Consumer and Network Services		5,515		24		18		42		5,599
Global Commercial Services
Global Small Business Services		12,734		69		45		102		12,950
Global Corporate Payments^(a)		(b)		(b)		(b)		124		13,777

(a)

For GCP Card Member receivables in GCS, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card Member’s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is classified as 90 days past billing. These amounts are shown above as 90+ Days Past Due for presentation purposes.

(b)

Delinquency data for periods other than 90 days past billing is not available due to system constraints. Therefore, such data has not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances.


		8

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

Credit Quality Indicators for Card Member Loans and Receivables

The following tables present the key credit quality indicators as of or for the three months ended March 31:




	2016						2015

	Net Write-Off Rate						Net Write-Off Rate

	Principal Only	^(a)	Principal, Interest, & Fees	^(a)	30+ Days Past Due as a % of Total		Principal Only	^(a)	Principal, Interest, & Fees	^(a)	30+ Days Past Due as a % of Total
Card Member Loans:
U.S. Consumer Services	1.5	%	1.7	%	1.0	%	1.5	%	1.7	%	0.9	%
International Consumer and Network Services	1.9	%	2.4	%	1.8	%	2.0	%	2.5	%	1.8	%
Global Small Business Services	1.4	%	1.6	%	1.0	%	1.3	%	1.6	%	1.0	%
Card Member Receivables:
U.S. Consumer Services	1.8	%	2.0	%	1.4	%	2.1	%	2.3	%	1.5	%
International Consumer and Network Services	2.2	%	2.4	%	1.5	%	1.9	%	2.1	%	1.6	%
Global Small Business Services	1.8	%	2.1	%	1.6	%	2.2	%	2.4	%	1.8	%



					2016				2015

					Net Loss Ratio as a % of Charge Volume		90+ Days Past Billing as a % of Receivables		Net Loss Ratio as a % of Charge Volume		90+ Days Past Billing as a % of Receivables
Card Member Receivables:
Global Corporate Payments					0.08	%	0.7	%	0.10	%	0.7	%

(a)

The Company presents a net write-off rate based on principal losses only (i.e., excluding interest and/or fees) to be consistent with industry convention. In addition, because the Company considers uncollectible interest and/or fees in estimating its reserves for credit losses, a net write-off rate including principal, interest and/or fees is also presented.

Impaired Card Member Loans and Receivables

Impaired loans and receivables are individual larger balance or homogeneous pools of smaller balance loans and receivables for which it is probable that the Company will be unable to collect all amounts due according to the original contractual terms of the Card Member agreement. In certain cases, these Card Member loans and receivables are included in one of the Company’s various Troubled Debt Restructuring (TDR) modification programs.


		9

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

The following tables provide additional information with respect to the Company’s impaired Card Member loans and receivables. Impaired Card Member receivables are not significant for ICNS as of March 31, 2016 and December 31, 2015; therefore, the segment’s receivables are not included in the following tables.



	As of March 31, 2016

		Over 90 days Past Due & Accruing Interest	^(a)					Accounts Classified as a TDR^(c)					Total Impaired Balance		Unpaid Principal Balance
2016 (Millions)		Over 90 days Past Due & Accruing Interest	^(a)		Non- Accruals	^(b)		In Program^(d)		Out of Program^(e)			Total Impaired Balance		Unpaid Principal Balance		Allowance for TDRs
Card Member Loans:
U.S. Consumer Services	$	139		$	123		$	147	$	99		$	508	$	469	$	44
International Consumer and Network Services		54			—			—		—			54		53		—
Global Commercial Services		24			26			23		19			92		85		8
Card Member Receivables:
U.S. Consumer Services		—			—			9		4			13		13		6
Global Commercial Services		—			—			20		5			25		24		14

Total	$	217		$	149		$	199	$	127		$	692	$	644	$	72



	As of December 31, 2015

		Over 90 days Past Due & Accruing Interest	^(a)					Accounts Classified as a TDR^(c)					Total Impaired Balance		Unpaid Principal Balance
2015 (Millions)		Over 90 days Past Due & Accruing Interest	^(a)		Non- Accruals	^(b)		In Program^(d)		Out of Program	^(e)		Total Impaired Balance		Unpaid Principal Balance		Allowance for TDRs
Card Member Loans:
U.S. Consumer Services	$	140		$	124		$	149	$	89		$	502	$	463	$	44
International Consumer and Network Services		52			—			—		—			52		51		—
Global Commercial Services		24			26			23		18			91		85		9
Card Member Receivables:
U.S. Consumer Services		—			—			11		3			14		14		8
Global Commercial Services		—			—			16		3			19		19		12

Total	$	216		$	150		$	199	$	113		$	678	$	632	$	73

(a)	The Company’s policy is generally to accrue interest through the date of write-off (typically 180 days past due). The Company establishes reserves for interest that it believes will not be collected. Amounts presented exclude loans classified as a TDR.

(b)	Non-accrual loans not in modification programs primarily include certain Card Member loans placed with outside collection agencies for which the Company has ceased accruing interest.

(c)	Accounts classified as a TDR include $18 million and $20 million that are over 90 days past due and accruing interest and $15 million and $18 million as of March 31, 2016 and December 31, 2015, respectively.

(d)	In Program TDRs include Card Member accounts that are currently enrolled in a modification program.

(e)

Out of Program TDRs include $98 million and $84 million of Card Member accounts that have successfully completed a modification program and $29 million and $29 million of Card Member accounts that were not in compliance with the terms of the modification programs as of March 31, 2016 and December 31, 2015, respectively.


		10

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

The following table provides information with respect to the Company’s average balances of, and interest income recognized from, impaired Card Member loans and the average balances of impaired Card Member receivables for the three months ended March 31:



	2016				2015
(Millions)		Average Balance		Interest Income Recognized		Average Balance		Interest Income Recognized
Card Member Loans:
U.S. Consumer Services	$	505	$	12	$	587	$	10
International Consumer and Network Services		53		4		56		4
Global Commercial Services		92		3		105		3
Card Member Receivables:
U.S. Consumer Services		14		—		14		—
Global Commercial Services		22		—		24		—

Total	$	686	$	19	$	786	$	17

Card Member Loans and Receivables Modified as TDRs

The following table provides additional information with respect to the USCS and GCS Card Member loans and receivables modified as TDRs for the three months ended March 31, 2016 and 2015. The ICNS Card Member loans and receivables modifications were not significant; therefore, this segment is not included in the following TDR disclosures.



	Three Months Ended March 31, 2016
		Number of Accounts (in thousands)		Outstanding Balances^(a) ($ in millions)	Average Interest Rate Reduction (% points)		Average Payment Term Extensions (# of months)
Troubled Debt Restructurings:
Card Member Loans		8	$	57	13		(b	)
Card Member Receivables		3		38	(c	)	16

Total		11	$	95



	Three Months Ended March 31, 2015
		Number of Accounts (in thousands)		Outstanding Balances^(a) ($ in millions)	Average Interest Rate Reduction (% points)		Average Payment Term Extensions (# of months)
Troubled Debt Restructurings:
Card Member Loans		11	$	80	12		(b	)
Card Member Receivables		3		40	(c	)	12

Total		14	$	120

(a)

Represents the outstanding balance immediately prior to modification. The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables. Modifications did not reduce the principal balance.

(b)

For Card Member loans, there have been no payment term extensions.

(c)

The Company does not offer interest rate reduction programs for Card Member receivables as the receivables are non-interest bearing.


		11

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

The following table provides information for the three months ended March 31, 2016 and 2015, with respect to the USCS and GCS Card Member loans and receivables modified as TDRs that subsequently defaulted within 12 months of modification. A Card Member is considered in default of a modification program after one and up to two consecutive missed payments, depending on the terms of the modification program. For all Card Members that defaulted from a modification program, the probability of default is factored into the reserves for Card Member loans and receivables.



	2016				2015
(Accounts in thousands, Dollars in millions)		Number of Accounts (thousands)		Outstanding Balances Upon Default (millions)^(a)		Number of Accounts (thousands)		Outstanding Balances Upon Default (millions)^(a)

Troubled Debt Restructurings That
Subsequently Defaulted:
Card Member Loans		1	$	9		2	$	10
Card Member Receivables		1		1		1		1

Total		2	$	10		3	$	11

(a)

The outstanding balances upon default include principal, fees and accrued interest on Card Member loans, and principal and fees on Card Member receivables.

4.	Reserves for Losses

Reserves for losses relating to Card Member receivables and loans represent management’s best estimate of the probable inherent losses in the Company’s outstanding portfolio of loans and receivables, as of the balance sheet date. Management’s evaluation process requires certain estimates and judgments.

This Note is presented excluding amounts associated with the Card Member loans and receivables HFS as of March 31, 2016 and December 31, 2015.

Changes in Card Member Receivables Reserve for Losses

The following table presents changes in the Card Member receivables reserve for losses for the three months ended March 31:




(Millions)		2016			2015
Balance, January 1	$	462		$	465
Provisions^(a)		169			174
Net write-offs^(b)		(186	)		(199	)
Other^(c)		1			(11	)

Balance, March 31	$	446		$	429

(a)

Provisions for principal and fee reserve components.

(b)

Consists of principal and fee components, less recoveries of $101 million and $99 million, including net write-offs from TDRs of $10 million and $31 million, for the three months ended March 31, 2016 and 2015, respectively.

(c)

Includes foreign currency translation adjustments of $2 million and $(7) million for the three months ended March 31, 2016 and 2015, respectively, and other adjustments of $(1) million and $(4) million for the three months ended March 31, 2016 and 2015, respectively.


		12

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

Card Member Receivables Evaluated Individually and Collectively for Impairment

The following table presents Card Member receivables evaluated individually and collectively for impairment, and related reserves, as of March 31, 2016 and December 31, 2015:




(Millions)		2016		2015
Card Member receivables evaluated individually for impairment^(a)	$	38	$	33
Related reserves ^(a)	$	20	$	20

Card Member receivables evaluated collectively for impairment	$	44,435	$	44,100
Related reserves ^(b)	$	426	$	442

(a)

Represents receivables modified as a TDR and related reserves.

(b)

The reserves include the quantitative results of analytical models that are specific to individual pools of receivables, and reserves for internal and external qualitative risk factors that apply to receivables that are collectively evaluated for impairment.

Changes in Card Member Loans Reserve for Losses

The following table presents changes in the Card Member loans reserve for losses for the three months ended March 31:




(Millions)		2016		2015
Balance, January 1	$	1,028	$	1,201
Provisions^(a)		227		235
Net write-offs
Principal^(b)		(214)		(259)
Interest and fees^(b)		(40)		(43)
Other^(c)		11		(4)

Balance, March 31	$	1,012	$	1,130

(a)

Provisions for principal, interest and fee reserve components.

(b)

Consists of principal write-offs, less recoveries of $88 million and $103 million, including net write-offs/(recoveries) from TDRs of $13 million and $16 million, for the three months ended March 31, 2016 and 2015, respectively. Recoveries of interest and fees were de minimis.

(c)

Includes foreign currency translation adjustments of $2 million and $(7) million and other adjustments of $2 million and $3 million for the three months ended March 31, 2016 and 2015, respectively. The three months ended March 31, 2016 also includes the transfer of reserves of $7 million associated with $20 million of Card Member loans transferred from HFS to held for investment.

Card Member Loans Evaluated Individually and Collectively for Impairment

The following table presents Card Member loans evaluated individually and collectively for impairment and related reserves as of March 31, 2016 and December 31, 2015:




(Millions)		2016		2015
Card Member loans evaluated individually for impairment^(a)	$	288	$	279
Related reserves ^(a)	$	52	$	53

Card Member loans evaluated collectively for impairment^(b)	$	57,118	$	58,294
Related reserves ^(b)	$	960	$	975

(a)

Represents loans modified as a TDR and related reserves.

(b)

Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing interest, and non-accrual loans. The reserves include the quantitative results of analytical models that are specific to individual pools of loans, and reserves for internal and external qualitative risk factors that apply to loans that are collectively evaluated for impairment.


		13

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

5.	Investment Securities

Investment securities principally include debt securities that the Company classifies as available-for-sale and carries at fair value on the Consolidated Balance Sheets, with unrealized gains (losses) recorded in Accumulated Other Comprehensive Loss, net of income taxes. Realized gains and losses are recognized on a trade-date basis in results of operations upon disposition of the securities using the specific identification method.

The following is a summary of investment securities as of March 31, 2016 and December 31, 2015:



	2016								2015
Description of Securities (Millions)	Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value		Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value
State and municipal obligations	$	2,695	$	76	$	(4)	$	2,767	$	2,813	$	85	$	(5)	$	2,893
U.S. Government agency obligations		2		—		—		2		2		—		—		2
U.S. Government treasury obligations		375		10		—		385		406		4		(1)		409
Corporate debt securities		28		1		—		29		29		1		—		30
Mortgage-backed securities ^(a)		117		5		—		122		117		4		—		121
Equity securities		1		—		—		1		1		—		—		1
Foreign government bonds and obligations		477		7		—		484		250		6		(1)		255
Other ^(b)		50		1		(2)		49		50		—		(2)		48

Total	$	3,745	$	100	$	(6)	$	3,839	$	3,668	$	100	$	(9)	$	3,759

(a)

Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or Ginnie Mae.

(b)

Other comprises investments in various mutual funds.

The following table provides information about the Company’s investment securities with gross unrealized losses and the length of time that individual securities have been in a continuous unrealized loss position as of March 31, 2016 and December 31, 2015:



	2016									2015
	Less than 12 months					12 months or more				Less than 12 months					12 months or more
Description of Securities (Millions)	Estimated Fair Value		Gross Unrealized Losses			Estimated Fair Value		Gross Unrealized Losses		Estimated Fair Value		Gross Unrealized Losses			Estimated Fair Value		Gross Unrealized Losses
State and municipal obligations	$	97	$	(4	)	$	—		—	$	100	$	(3	)	$	13	$	(2	)
U.S. Government treasury obligations		—		—			—		—		253		(1	)		—		—
Foreign government bonds and obligations		—		—			—		—		99		(1	)		—		—
Other		—		—			33		(2)		—		—			33		(2)

Total	$	97	$	(4)		$	33	$	(2)	$	452	$	(5)		$	46	$	(4)


		14

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of March 31, 2016 and December 31, 2015:



	Less than 12 months						12 months or more						Total
Ratio of Fair Value to Amortized Cost (Dollars in millions)	Number of Securities		Estimated Fair Value		Gross Unrealized Losses		Number of Securities		Estimated Fair Value		Gross Unrealized Losses		Number of Securities		Estimated Fair Value		Gross Unrealized Losses
2016:
90%–100%		14	$	97	$	(4)		6	$	33	$	(2)		20	$	130	$	(6)
Less than 90%		—		—		—		—		—		—		—		—		—

Total as of March 31, 2016		14	$	97	$	(4)		6	$	33	$	(2)		20	$	130	$	(6)



2015:
90%–100%		52	$	450	$	(5)		15	$	37	$	(2)		67	$	487	$	(7)
Less than 90%		—		—		—		2		9		(2)		2		9		(2)

Total as of December 31, 2015		52	$	450	$	(5)		17	$	46	$	(4)		69	$	496	$	(9)

The gross unrealized losses are attributed to overall wider credit spreads for state and municipal securities, wider credit spreads for specific issuers, adverse changes in market benchmark interest rates, or a combination thereof, all compared to those prevailing when the investment securities were acquired.

Overall, for the investment securities in gross unrealized loss positions (i) the Company does not intend to sell the investment securities, (ii) it is more likely than not that the Company will not be required to sell the investment securities before recovery of the unrealized losses, and (iii) the Company expects that the contractual principal and interest will be received on the investment securities. As a result, the Company recognized no other-than-temporary impairment during the periods presented.

Contractual maturities of investment securities with stated maturities as of March 31, 2016 were as follows:




(Millions)		Cost		Estimated Fair Value
Due within 1 year	$	556	$	557
Due after 1 year but within 5 years		209		214
Due after 5 years but within 10 years		410		430
Due after 10 years		2,519		2,588

Total^(a)	$	3,694	$	3,789

(a)

Balances primarily represent investments in state and municipal obligations, and foreign government bonds and obligations.

The expected payments on state and municipal obligations and mortgage-backed securities may not coincide with their contractual maturities because the issuers have the right to call or prepay certain obligations.


		15

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

6.	Asset Securitizations

The Company periodically securitizes Card Member receivables and loans arising from its card business, including Card Member loans and receivables HFS, through the transfer of those assets to securitization trusts. The trusts then issue debt securities to third-party investors, collateralized by the transferred assets.

The following table provides information on the restricted cash held by the American Express Issuance Trust II (the Charge Trust) and the American Express Credit Account Master Trust (the Lending Trust, collectively the Trusts) as of March 31, 2016 and December 31, 2015, included in Other assets on the Consolidated Balance Sheets:



(Millions)	2016		2015
Charge Trust	$	1	$	2
Lending Trust		36		153

Total	$	37	$	155

These amounts relate to collections of Card Member receivables and loans to be used by the Trusts to fund future expenses and obligations, including interest on debt securities, credit losses and upcoming debt maturities.

American Express Travel Related Services Company, Inc. (TRS), in its role as servicer of the Trusts, has the power to direct the most significant activity of the Trusts, which is the collection of the underlying Card Member receivables and loans. In addition, TRS directly and indirectly (through its consolidated subsidiaries) holds all of the variable interests in both Trusts, with the exception of the debt securities issued to third party investors. As of March 31, 2016, TRS’ direct and indirect ownership of variable interests was $14.7 billion for the Lending Trust and $4.4 billion for the Charge Trust. These variable interests held by TRS provide it with the right to receive benefits and the obligation to absorb losses, which could be significant to both the Lending Trust and the Charge Trust. Based on these considerations, TRS is the primary beneficiary of both Trusts and therefore consolidates both Trusts.

Under the respective terms of the Charge Trust and the Lending Trust agreements, the occurrence of certain triggering events associated with the performance of the assets of each Trust could result in payment of trust expenses, establishment of reserve funds, or, in a worst-case scenario, early amortization of debt securities. During the three months ended March 31, 2016 and the year ended December 31, 2015, no such triggering events occurred.


		16

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

7.	Customer Deposits

As of March 31, 2016 and December 31, 2015, customer deposits were categorized as interest bearing or non-interest bearing, as follows:


(Millions)		2016		2015
U.S.:
Interest bearing	$	54,934	$	54,102
Non-interest bearing (includes Card Member credit balances of:
2016, $372 million; 2015, $389 million)		405		478
Non-U.S.:
Interest bearing		87		82
Non-interest bearing (includes Card Member credit balances of:
2016, $317 million; 2015, $323 million)		338		335

Total customer deposits	$	55,764	$	54,997

Customer deposits by deposit type as of March 31, 2016 and December 31, 2015 were as follows:


(Millions)		2016		2015
U.S. retail deposits:
Savings accounts – Direct	$	30,295	$	29,023
Certificates of deposit:
Direct		282		281
Third-party (brokered)		13,676		13,856
Sweep accounts – Third-party (brokered)		10,681		10,942
Other retail deposits:
Non-U.S. deposits and U.S. non-interest bearing deposits		141		183
Card Member credit balances — U.S. and non-U.S.		689		712

Total customer deposits	$	55,764	$	54,997

The scheduled maturities of certificates of deposit as of March 31, 2016 were as follows:


(Millions)		U.S.		Non-U.S.		Total
2016	$	2,264	$	6	$	2,270
2017		3,651		2		3,653
2018		3,190		—		3,190
2019		2,330		—		2,330
2020		2,516		—		2,516
After 5 years		7		—		7

Total	$	13,958	$	8	$	13,966

As of March 31, 2016 and December 31, 2015, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows:


(Millions)		2016		2015
U.S.	$	109	$	105
Non-U.S.		1		1

Total	$	110	$	106


		17

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

8.	Contingencies

In the ordinary course of business, the Company and its subsidiaries are subject to various claims, investigations, examinations, pending and potential legal actions, and other matters relating to compliance with laws and regulations (collectively, legal proceedings). The Company discloses its material legal proceedings under Part II, Item 1. “Legal Proceedings” in this Quarterly Report on Form 10-Q and Part I, Item 3. “Legal Proceedings” in the Annual Report.

The Company has recorded reserves for certain of its outstanding legal proceedings. A reserve is recorded when it is both (a) probable that a loss has occurred and (b) the amount of loss can be reasonably estimated. There may be instances in which an exposure to loss exceeds the recorded reserve. The Company evaluates, on a quarterly basis, developments in legal proceedings that could cause an increase or decrease in the amount of the reserve that has been previously recorded, or a revision to the disclosed estimated range of possible losses, as applicable.

The Company’s legal proceedings range from cases brought by a single plaintiff to class actions with millions of putative class members. These legal proceedings involve various lines of business of the Company and a variety of claims (including, but not limited to, common law tort, contract, antitrust and consumer protection claims), some of which present novel factual allegations and/or unique legal theories. While some matters pending against the Company specify the damages claimed by the plaintiff or class, many seek an unspecified amount of damages or are at very early stages of the legal process. Even when the amount of damages claimed against the Company are stated, the claimed amount may be exaggerated and/or unsupported. As a result, some matters have not yet progressed sufficiently through discovery and/or development of important factual information and legal issues to enable the Company to estimate an amount of loss or a range of possible loss, while other matters have progressed sufficiently such that the Company is able to estimate an amount of loss or a range of possible loss.

For those disclosed material legal proceedings where a loss is reasonably possible in future periods, whether in excess of a related reserve for legal contingencies or where there is no such reserve, and for which the Company is able to estimate a range of possible loss, the current estimated range is zero to $350 million in excess of any reserves related to those matters. This range represents management’s estimate based on currently available information and does not represent the Company’s maximum loss exposure; actual results may vary significantly. As such proceedings evolve, including the merchant claims described under “Legal Proceedings” in the Annual Report, the Company may need to increase its range of possible loss or reserves for legal contingencies.

Based on its current knowledge, and taking into consideration its litigation-related liabilities, the Company believes it is not a party to, nor are any of its properties the subject of, any legal proceeding that would have a material adverse effect on the Company’s consolidated financial condition or liquidity. However, in light of the uncertainties involved in such matters, it is possible that the outcome of legal proceedings, including the possible resolution of merchant claims, could have a material impact on the Company’s results of operations.


		18

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

9.	Derivatives and Hedging Activities

The Company uses derivative financial instruments (derivatives) to manage exposures to various market risks. These instruments derive their value from an underlying variable or multiple variables, including interest rates, foreign exchange rates, and equity index or price, and are carried at fair value on the Consolidated Balance Sheets. These instruments enable end users to increase, reduce or alter exposure to various market risks and, for that reason, are an integral component of the Company’s market risk management. The Company does not transact in derivatives for trading purposes.

In relation to the Company’s credit risk, under the terms of the derivative agreements it has with its various counterparties, the Company is not required to either immediately settle any outstanding liability balances or post collateral upon the occurrence of a specified credit risk-related event. Based on the assessment of credit risk of the Company’s derivative counterparties as of March 31, 2016 and December 31, 2015, the Company does not have derivative positions that warrant credit valuation adjustments.

The following table summarizes the total fair value, excluding interest accruals, of derivative assets and liabilities as of March 31, 2016 and December 31, 2015:


	Other Assets Fair Value				Other Liabilities Fair Value
(Millions)	2016		2015		2016		2015
Derivatives designated as hedging instruments:
Interest rate contracts
Fair value hedges	$	391	$	236	$	—	$	9
Foreign exchange contracts
Net investment hedges		113		191		279		57

Total derivatives designated as hedging instruments		504		427		279		66
Derivatives not designated as hedging instruments:
Foreign exchange contracts, including certain embedded derivatives^(a)		120		117		177		135

Total derivatives, gross		624		544		456		201
Less: Cash collateral netting^(b)		(324)		(155)		—		—
Derivative asset and derivative liability netting^(c)		(120)		(107)		(120)		(107)

Total derivatives, net^(d)	$	180	$	282	$	336	$	94

(a)

Includes foreign currency derivatives embedded in certain operating agreements.

(b)

Represents the offsetting of derivative instruments and the right to reclaim cash collateral (a receivable) or the obligation to return cash collateral (a payable) arising from derivative instrument(s) executed with the same counterparty under an enforceable master netting arrangement. Additionally, the Company posted $140 million and $149 million as of March 31, 2016 and December 31, 2015, respectively, as initial margin on its centrally cleared interest rate swaps; such amounts are recorded within Other receivables on the Consolidated Balance Sheets and are not netted against the derivative balances.

(c)

Represents the amount of netting of derivative assets and derivative liabilities executed with the same counterparty under an enforceable master netting arrangement.

(d)

The Company has no individually significant derivative counterparties and therefore, no significant risk exposure to any single derivative counterparty. The total net derivative assets and derivative liabilities are presented within Other assets and Other liabilities on the Consolidated Balance Sheets.

A majority of the Company’s derivative assets and liabilities as of March 31, 2016 and December 31, 2015 are subject to master netting agreements with its derivative counterparties. The Company has no derivative amounts subject to enforceable master netting arrangements that are not offset on the Consolidated Balance Sheets.


		19

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

Fair Value Hedges

The Company is exposed to interest rate risk associated with its fixed-rate long-term debt. The Company uses interest rate swaps to economically convert certain fixed-rate debt obligations to floating-rate obligations at the time of issuance. The Company hedged $18.8 billion of its fixed-rate debt to floating-rate debt using interest rate swaps as of both March 31, 2016 and December 31, 2015.

The following table summarizes the impact on the Consolidated Statements of Income associated with the Company’s fair value hedges for the three months ended March 31:

For the Three Months Ended March 31: (Millions)

Gains (losses) recognized in income

Derivative contract

Hedged item

Net hedge

Amount

ineffectiveness

Derivative
relationship

Income Statement Line Item

2016

2015

Income Statement Line Item

2016

2015

2016

2015

Interest rate contracts

Other expenses

165

Other expenses

(171)

(57)

(6)

The Company also recognized a net reduction in interest expense on long-term debt of $59 million and $70 million for the three months ended March 31, 2016 and 2015, respectively, primarily related to the net settlements (interest accruals) on the Company’s interest rate derivatives designated as fair value hedges.

Net Investment Hedges

The effective portion of the gain or (loss) on net investment hedges, net of taxes, recorded in Accumulated Other Comprehensive Loss as part of the cumulative translation adjustment, was $ (92) million and $195 million for the three months ended March 31, 2016 and 2015, respectively, with any ineffective portion recognized in Other expenses during the period of change. During the three months ended March 31, 2016 and 2015, the Company did not reclassify any amounts from Accumulated Other Comprehensive Loss to earnings as a component of Other expenses and no ineffectiveness was recognized in either period.

Derivatives Not Designated as Hedges

The changes in the fair value of derivatives that are not designated as hedges are intended to offset the related foreign exchange gains or losses of the underlying foreign currency exposures. The changes in the fair value of the derivatives and the related underlying foreign currency exposures totaled a net loss of $13 million and a net gain of $97 million for the three months ended March 31, 2016 and 2015, respectively, and are recognized in Other expenses.

The Company previously disclosed in Note 9 to the Consolidated Financial Statements in the Quarterly Report on Form 10-Q for the period ended March 31, 2015, a loss of $45 million related to derivatives not designated as hedges. This amount should have been disclosed as a gain of $293 million, which is the amount used to calculate the above referenced net gain of $97 million. This change to the previously disclosed amount has no impact on the Consolidated Statements of Income, Balance Sheets or Cash Flows.

The changes in the fair value of an embedded derivative gain of $6 million and nil for the three months ended March 31, 2016 and 2015, respectively, is recognized in Card Member services and other expense.


		20

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

10.

Fair Values

Financial Assets and Financial Liabilities Carried at Fair Value

The following table summarizes the Company’s financial assets and financial liabilities measured at fair value on a recurring basis, categorized by GAAP’s valuation hierarchy, as of March 31, 2016 and December 31, 2015:


	2016								2015
(Millions)	Total		Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3
Assets:
Investment securities:^(a)
Equity securities	$	1	$	1	$	—	$	—	$	1	$	1	$	—	$	—
Debt securities and other		3,838		385		3,453		—		3,758		409		3,349		—
Derivatives^(a)		624		—		624		—		544		—		544		—

Total assets		4,463		386		4,077		—		4,303		410		3,893		—

Liabilities:
Derivatives^(a)		456		—		456		—		201		—		201		—

Total liabilities	$	456	$	—	$	456	$	—	$	201	$	—	$	201	$	—

(a)

Refer to Note 5 for the fair values of investment securities and to Note 9 for the fair values of derivative assets and liabilities, on a further disaggregated basis.


		21

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

The following table summarizes the estimated fair values of the Company’s financial assets and financial liabilities that are not required to be carried at fair value on a recurring basis, as of March 31, 2016 and December 31, 2015. The fair values of these financial instruments are estimates based upon the market conditions and perceived risks as of March 31, 2016 and December 31, 2015, and require management judgment. These figures may not be indicative of future fair values, nor can the fair value of the Company be estimated by aggregating the amounts presented.


	Carrying		Corresponding Fair Value Amount
2016 (Billions)	Value		Total			Level 1		Level 2			Level 3
Financial Assets:
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents	$	25	$	25		$	24	$	1	^(a)	$	—
Other financial assets^(b)		47		47			—		47			—
Financial assets carried at other than fair value
Card Member loans and receivables HFS^(d)		12		12			—		—			12
Loans, net		58		58	^(c)		—		—			58

Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value		65		65			—		65			—
Financial liabilities carried at other than fair value
Certificates of deposit^(e)		14		14			—		14			—
Long-term debt	$	47	$	49	^(c)	$	—	$	49		$	—

	Carrying		Corresponding Fair Value Amount
2015 (Billions)	Value		Total			Level 1		Level 2			Level 3
Financial Assets:
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents	$	23	$	23		$	22	$	1	^(a)	$	—
Other financial assets^(b)		47		47			—		47			—
Financial assets carried at other than fair value
Card Member loans and receivables HFS^(d)		15		15			—		—			15
Loans, net		59		60	^(c)		—		—			60

Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value		67		67			—		67			—
Financial liabilities carried at other than fair value
Certificates of deposit^(e)		14		14			—		14			—
Long-term debt	$	48	$	49	^(c)	$	—	$	49		$	—

(a)	Reflects time deposits.

(b)	Includes Card Member receivables (including fair values of Card Member receivables of $5.8 billion and $6.7 billion held by consolidated VIEs as of March 31, 2016 and December 31, 2015, respectively), Other receivables, restricted cash and other miscellaneous assets.

(c)	Includes the fair values of Card Member loans of $22.2 billion and $23.5 billion and long-term debt of $12.6 billion and $13.6 billion held by consolidated VIEs as of March 31, 2016 and December 31, 2015, respectively.

(d)	Does not include any fair value associated with the Card Member account relationships. Refer to Note 2 for additional information.

(e)	Presented as a component of customer deposits on the Consolidated Balance Sheets.


		22

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

Nonrecurring Fair Value Measurements

The Company has certain assets that are subject to measurement at fair value on a nonrecurring basis. For these assets, measurement at fair value in periods subsequent to their initial recognition is applicable if determined to be impaired. During the three months ended March 31, 2016, the Company did not have any material assets that were measured at fair value due to impairment. During the year ended December 31, 2015, the Company recorded a $384 million impairment charge, consisting of a $219 million write-down of the entire balance of goodwill in the Prepaid Services business and a $165 million write-down of technology and other assets to fair value.

11.

Guarantees

The Company provides Card Member protection plans that cover losses associated with purchased products, as well as certain other guarantees and indemnifications in the ordinary course of business.

In relation to its maximum potential undiscounted future payments as shown in the table that follows, to date the Company has not experienced any significant losses related to guarantees or indemnifications. The Company’s initial recognition of these instruments is at fair value. In addition, the Company establishes reserves when a loss is probable and the amount can be reasonably estimated.

The following table provides information related to such guarantees and indemnifications as of March 31, 2016 and December 31, 2015:



		Maximum potential undiscounted future payments^(a) (Billions)				Related liability^(b) (Millions)

Type of Guarantee		2016		2015		2016		2015
Return and Merchant Protection	$	43	$	42	$	42	$	49
Other^(c)		6		6		40		37

Total	$	49	$	48	$	82	$	86

(a)

Represents the notional amounts that could be lost under the guarantees and indemnifications if there were a total default by the guaranteed or indemnified parties. The maximum potential undiscounted future payments for Merchant Protection are measured using management’s best estimate of maximum exposure, which is based on all eligible claims in relation to annual billed business volumes.

(b)

Included in Other liabilities on the Company’s Consolidated Balance Sheets.

(c)

Primarily includes guarantees related to the Company’s purchase protection, real estate and business dispositions.


		23

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

12.

Changes In Accumulated Other Comprehensive Loss

Accumulated Other Comprehensive Loss is comprised of items that have not been recognized in earnings but may be recognized in earnings in the future when certain events occur. Changes in each component for the three months ended March 31, 2016 and 2015 were as follows:




2016 (Millions), net of tax		Net Unrealized Gains (Losses) on Investment Securities			Foreign Currency Translation Adjustments			Net Unrealized Pension and Other Postretirement Benefit Gains (Losses)			Accumulated Other Comprehensive (Loss) Income
Balances as of December 31, 2015	$	58		$	(2,044	)	$	(548	)	$	(2,534	)

Net unrealized gains		4			—			—			4
Decrease due to amounts reclassified into earnings		(2	)		—			—			(2	)
Net translation gain of investments in foreign operations		—			96			—			96
Net losses related to hedges of investments in foreign operations		—			(92	)		—			(92	)
Pension and other postretirement benefit gains		—			—			26			26

Net change in accumulated other comprehensive loss		2			4			26			32

Balances as of March 31, 2016	$	60		$	(2,040	)	$	(522	)	$	(2,502	)




2015 (Millions), net of tax	Net Unrealized Gains (Losses) on Investment Securities			Foreign Currency Translation Adjustments			Net Unrealized Pension and Other Postretirement Benefit Gains (Losses)			Accumulated Other Comprehensive (Loss) Income
Balances as of December 31, 2014	$	96		$	(1,499	)	$	(516	)	$	(1,919	)
Net translation loss of investments in foreign operations		—			(450	)		—			(450	)
Net gains related to hedges of investments in foreign operations		—			195			—			195
Pension and other postretirement benefit gains		—			—			23			23

Net change in accumulated other comprehensive loss		—			(255	)		23			(232	)

Balances as of March 31, 2015	$	96		$	(1,754	)	$	(493	)	$	(2,151	)

The following table presents the effects of reclassifications out of Accumulated Other Comprehensive Loss and into the Consolidated Statements of Income for the three months ended March 31, 2016 and 2015:



		Gains (losses) recognized in earnings
	Income Statement	Amount
Description (Millions)	Line Item	2016			2015
Available-for-sale securities
Reclassifications for previously unrealized net gains on investment securities	Other non-interest revenues	$	4		$	—
Related income tax expense	Income tax provision		(2	)		—

Total		$	2		$	—


		24

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

13.

Non-Interest Revenue and Expense Detail

The following is a detail of Other fees and commissions for the three months ended March 31:



(Millions)	2016		2015
Delinquency fees	$	200	$	195
Foreign currency conversion fee revenue		196		211
Loyalty coalition-related fees		94		91
Travel commissions and fees		80		89
Service fees		78		87
Other^(a)		32		35

Total Other fees and commissions	$	680	$	708

(a)

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

The following is a detail of Other revenues for the three months ended March 31:



(Millions)	2016		2015
Global Network Services partner revenues	$	145	$	164
Gross realized gains on sale of investment securities		4		—
Other^(a)		337		304

Total Other revenues	$	486	$	468

(a)

Other includes revenues arising from net revenue earned on cross-border Card Member spending, merchant-related fees, insurance premiums earned from Card Member travel and other insurance programs, Travelers Cheques-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 three months ended March 31:



(Millions)	2016			2015
Professional services	$	604		$	624
Occupancy and equipment		465			434
Communications		83			88
Card and merchant-related fraud losses		58			100
Gain on sale of JetBlue HFS portfolio^(a)		(127	)		—
Other^(b)		337			153

Total Other Expenses	$	1,420		$	1,399

(a)

Refer to Note 2 for additional information.

(b)

Other expense includes general operating expenses, gains and losses on sale of assets or businesses not classified as discontinued operations, litigation, certain internal and regulatory review-related reimbursements and insurance costs or settlements, certain loyalty coalition-related expenses, the valuation allowance adjustment associated with loans and receivables HFS during the quarter (refer to Note 2), and foreign currency-related gains and losses (including the favorable impact from the reassessment of the functional currency of certain UK legal entities in prior year).

14.

Income Taxes

The effective tax rate was 34.7 percent and 34.2 percent for the three months ended March 31, 2016 and 2015, respectively. The tax rates in both periods primarily reflected the level of pretax income in relation to recurring permanent tax benefits and the geographic mix of business. Additionally, the effective tax rate in both periods reflected the resolution of certain prior years’ tax items.

The Company is under continuous examination by the Internal Revenue Service (IRS) and tax authorities in other countries and states in which the Company has significant business operations. The tax years under examination and open for examination vary by jurisdiction. The IRS has completed its field examination of the Company’s federal tax returns for years through 2007; however, refund claims for certain years continue to be reviewed by the IRS. In addition, the Company is currently under examination by the IRS for the years 2008 through 2014.


		25

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

The Company believes it is reasonably possible that its unrecognized tax benefits could decrease within the next 12 months by as much as $263 million principally as a result of potential resolutions of prior years’ tax items with various taxing authorities. The prior years’ tax items include unrecognized tax benefits relating to the deductibility of certain expenses or losses and the attribution of taxable income to a particular jurisdiction or jurisdictions. Of the $263 million of unrecognized tax benefits, approximately $21 million relates to amounts that if recognized would be recorded in shareholders’ equity and would not impact the Company’s results of operations or its effective tax rate.

15.

Earnings Per Common Share (EPS)

The computations of basic and diluted EPS for the three months ended March 31 were as follows:



(Millions, except per share amounts)	2016			2015
Numerator:
Basic and diluted:
Net income	$	1,426		$	1,525
Preferred dividends		(21	)		—

Net income available to common shareholders	$	1,405		$	1,525
Earnings allocated to participating share awards^(a)		(11	)		(11	)

Net income attributable to common shareholders	$	1,394		$	1,514

Denominator:^(a)
Basic: Weighted-average common stock		961			1,019
Add: Weighted-average stock options ^(b)		2			4

Diluted		963			1,023

Basic EPS	$	1.45		$	1.49
Diluted EPS	$	1.45		$	1.48

(a)

The Company’s unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude from the numerator any dividends paid or owed on participating securities and any undistributed earnings considered to be attributable to participating securities. The related participating securities are similarly excluded from the denominator.

(b)

The dilutive effect of unexercised stock options excludes from the computation of EPS 1.5 million and 0.5 million of options for the three months ended March 31, 2016 and 2015, respectively, because inclusion of the options would have been anti-dilutive.

For the three months ended March 31, 2016 and 2015, the Company met specified performance measures related to the $750 million of Subordinated Debentures issued in 2006, and maturing in 2036. If the performance measures were not achieved in any given quarter, the Company would be required to issue common shares and apply the proceeds to make interest payments.


		26

AMERICAN EXPRESS COMPANY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

16.

Reportable Operating Segments

The Company is a global services company that is principally engaged in businesses comprising four reportable operating segments: USCS, ICNS, GCS and GMS. Corporate functions and certain other businesses and operations are included in Corporate & Other.

The following table presents certain selected financial information for the Company’s reportable operating segments and Corporate & Other for the three months ended March 31, 2016 and 2015:



(Millions, except where indicated)	USCS		ICNS		GCS		GMS			Corporate & Other^(a)			Consolidated

2016
Non-interest revenues	$	2,029	$	1,140	$	2,190	$	1,041		$	108		$	6,508
Interest income		1,391		227		321		—			66			2,005
Interest expense		140		54		95		(59	)		195			425
Total revenues net of interest expense		3,280		1,313		2,416		1,100			(21	)		8,088
Net income (loss)		694		188		485		357			(298	)		1,426

Total assets (billions)		86		34		47		24			(32	)		159

Total equity (billions)		7		3		7		2			2			21

2015
Non-interest revenues		2,031		1,145		2,175		1,070			82			6,503
Interest income		1,273		245		278		—			61			1,857
Interest expense		114		63		89		(59	)		203			410
Total revenues net of interest expense		3,190		1,327		2,364		1,129			(60	)		7,950
Net income (loss)		659		197		517		369			(217	)		1,525

Total assets (billions)		84		29		46		17			(21	)		155

Total equity (billions)	$	8	$	3	$	7	$	2		$	2		$	22

(a)

Corporate & Other includes adjustments and eliminations for intersegment activity.


		27

ITEM 2.

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

Business Introduction

When we use the terms “American Express,” “the Company,” “we,” “our” or “us,” we mean American Express Company and its subsidiaries on a consolidated basis, unless we state or the context implies otherwise.

We are a global services company that provides our customers with access to products, insights and experiences that enrich lives and build business success. Our principal products and services are charge and credit payment card products and travel-related services offered to consumers and businesses around the world. Business travel-related services are offered through our non-consolidated joint venture, American Express Global Business Travel (GBT JV). Our range of products and services includes:

•

Charge and credit card products

•

Network services

•

Merchant acquisition and processing, servicing and settlement, marketing and information products and services for merchants

•

Fee services, including fraud prevention services and the design and operation of customer loyalty and rewards programs

•

Expense management products and services

•

Other lending products, including merchant financing

•

Travel-related services

•

Stored-value/prepaid products

Our various products and services are sold globally to diverse customer groups, including consumers, small businesses, mid-sized companies and large corporations. These products and services are sold through various channels, including direct mail, online applications, in-house and third-party sales forces and direct response advertising.

We compete in the global payments industry with charge, credit and debit card networks, issuers and acquirers, as well as evolving and growing alternative payment providers. As the payments industry continues to evolve, we face increasing competition from non-traditional players that leverage new technologies and customers’ existing accounts and relationships to create payment or other fee-based solutions.

Our products and services generate the following types of revenue for the Company:

•

Discount revenue, our largest revenue source, which represents fees generally charged to merchants when Card Members use their cards to purchase goods and services at merchants on our network;

•

Interest on loans, which principally represents interest income earned on outstanding balances;

•

Net card fees, which represent revenue earned from annual card membership fees;

•

Other fees and commissions, which are earned on card-related fees (such as late fees and assessments), foreign exchange conversions, loyalty coalition-related fees, travel commissions and fees and other service fees; and

•

Other revenue, which represents revenues arising from contracts with partners of our Global Network Services (GNS) business (including commissions and signing fees), insurance premiums earned from Card Member travel and other insurance programs, prepaid card-related revenues, revenues related to the


		28

GBT JV transition services agreement, earnings from equity method investments (including the GBT JV) and other miscellaneous revenue and fees.

Effective for the first quarter of 2016, we realigned our segment presentation to reflect the organizational changes announced during the fourth quarter of 2015. Prior periods have been restated to conform to the new reportable operating segments, which are: U.S. Consumer Services (USCS), International Consumer and Network Services (ICNS), Global Commercial Services (GCS) and Global Merchant Services (GMS), with corporate functions and certain other businesses and operations included in Corporate & Other. Refer to Note 1 to the “Consolidated Financial Statements” for additional information.

Forward-Looking Statements and Non-GAAP Measures

Certain of the statements in this Form 10-Q are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Refer to the “Cautionary Note Regarding Forward-Looking Statements” section. We prepare our Consolidated Financial Statements in accordance with accounting principles generally accepted in the United States of America (GAAP). However, certain information included within this Form 10-Q constitute non-GAAP financial measures. Our calculations of non-GAAP financial measures may differ from the calculations of similarly titled measures by other companies.

Bank Holding Company

American Express Company is a bank holding company under the Bank Holding Company Act of 1956 and The Board of Governors of the Federal Reserve System (the Federal Reserve) is our primary federal regulator. As such, we are subject to the Federal Reserve’s regulations, policies and minimum capital standards.

Business Environment

During the quarter, we continued to focus on our key initiatives to accelerate growth and optimize investments. Our results for the first quarter of 2016 reflected higher revenues and elevated investment levels as compared to the prior year, as well as healthy underlying loan growth, excellent credit performance and a strong balance sheet that enabled us to return a substantial amount of capital to shareholders. Results also included a $127 million pretax gain ($79 million after-tax) from our sale of the JetBlue Airways Corporation (JetBlue) cobrand portfolio and an $84 million pretax restructuring charge ($55 million after-tax), which reflected the initial phase of actions to take $1 billion out of our cost base by the end of 2017. We expect to incur an additional charge or charges in future quarters that, in the aggregate, will likely be significant as we continue our cost reduction efforts.

Billings growth for the first quarter, as compared to the prior year, increased sequentially reflecting a benefit from the leap year as well as slightly higher international volume growth, partially offset by a year-over-year decline in U.S. billings related to Costco Wholesale Corporation (Costco) as we move closer to the end of the Costco relationship in the United States in June. Within GCS, we continue to see differing performance trends with better growth among small and middle market businesses as compared to more cautious spending among global and large corporate customers. Internationally, billings growth after adjusting for foreign currency exchange rates remained strong as compared to the prior year, driven by China, Korea, Japan and the UK, although there is relatively little economic contribution from spending occurring within China and Korea.


		29

Revenues net of interest expense grew as compared to the prior year driven by net interest income, Card Member spending, (which increased despite a slowdown in Costco-related spending), and net card fees. This growth was partially offset by the higher costs associated with cash back rewards and a greater decline in the reported average discount rate, which was due to the continued expansion of OptBlue, merchant negotiations, changes in industry mix and the impact from regulatory changes enacted in the EU late last year. Revenue growth also continues to be impacted by a stronger U.S. dollar, although this impact was smaller than in recent quarters.

Growth in net interest income remained strong during the quarter, driven primarily by loan growth. Card Member loans held for investment were down in the first quarter of 2016 compared to the prior year on a reported basis due to the transfer of the Costco U.S. cobrand loan portfolio to Card Member loans and receivables held for sale effective December 1, 2015, and the sale of the JetBlue cobrand portfolio this quarter. Excluding the Costco and JetBlue cobrand portfolios from the prior year, worldwide loans increased driven by growth in both Card Member loans and loans related to our merchant financing products. We continue to believe there are opportunities to increase our share of lending from both existing customers and high quality prospects without significantly changing the overall risk profile of the Company.

Excluding from the prior year credit costs related to the Costco and JetBlue cobrand portfolios, which are reported in Other expenses for the first quarter of 2016, our credit provision increased year-over-year as a result of an increase in overall loan balances, including our merchant financing loans, although Card Member lending write-off rates were slightly lower versus the prior year. We expect continued growth in loans held for investment will contribute to an increase in provisions for losses; we also expect to see some upward pressure on our write-off rates, due primarily to the seasoning of loans related to new Card Members.

Our strong capital position allowed us to return substantially all of the capital we generated in the first quarter to our shareholders in the form of dividends and share repurchases, while maintaining strong capital ratios. We continue to believe our ability to return a high level of capital to our shareholders while maintaining our capital ratios illustrates the strength of our balance sheet and business model.

As mentioned above, we expect our relationship with Costco in the United States to end in June. The ultimate gain on the sale of the Costco cobrand portfolio will be determined based on the assets actually sold, but we continue to estimate a gain of approximately $1 billion, although given that Card Member borrowing and paydown trends are difficult to predict in this type of transition, the final gain could differ from our estimate. We expect the portfolio sale gain will be partially used to fund spending on growth initiatives throughout 2016. We expect total spending on growth initiatives during 2016 to be consistent with 2015 levels.

Relative to the first quarter of 2016, we expect earnings per share to be higher during the second quarter as a result of the Costco portfolio sale gain, with lower earnings during the second half of 2016 following the end of the Costco relationship. As of March 31, 2016, Costco cobrand accounts were responsible for approximately 10 percent of our total cards-in-force. Costco cobrand accounts generated approximately 7 percent of our worldwide billed business during the first quarter of 2016. Approximately 70 percent of the spending on these accounts occurred outside Costco warehouses. In addition, 1 percent of our worldwide billed business during the first quarter of 2016 came from spending on other (non-Costco cobrand) American Express cards at Costco in the United States.

See “Certain legislative, regulatory and other developments” in “Other Matters” for information on the potential impacts of an adverse decision in the Department of Justice (DOJ) case and related merchant litigations on our business, as well as other legislative and regulatory changes that could have a material adverse effect on our results of operations and financial condition.


		30

American Express Company

Consolidated Results of Operations

Refer to the “Glossary of Selected Terminology” for the definitions of certain key terms and related information appearing within this section.

Effective December 1, 2015, we transferred the Card Member loans and receivables related to our cobrand partnerships with Costco in the United States and JetBlue (the HFS portfolios) to Card Member loans and receivables HFS (included in the USCS and GCS segments) on the Consolidated Balance Sheets (the sale of JetBlue was completed on March 18, 2016). The primary impacts beyond the HFS classification on the Consolidated Balance Sheets are to provisions for losses and credit metrics, which no longer reflect amounts related to these loans and receivables, as credit costs are reported in Other expenses through a valuation allowance adjustment. Other, non-credit related metrics (i.e., billed business, cards-in-force, net interest yield) continue to reflect amounts related to the HFS portfolios. Refer to Note 2 to the “Consolidated Financial Statements” for additional information.

The relative strengthening of the U.S. dollar over the periods of comparison has had an impact on our results of operations. Where meaningful in describing our performance, foreign currency-adjusted amounts, which exclude the impact of changes in the foreign exchange (FX) rates, have been provided.

Table 1: Summary of Financial Performance


	Three Months Ended
	March 31,						Change
(Millions, except percentages and per share amounts)	2016			2015			2016 vs. 2015
Total revenues net of interest expense	$	8,088		$	7,950		$	138		2	%
Provisions for losses		434			420			14		3
Expenses		5,470			5,214			256		5
Net income		1,426			1,525			(99	)	(6	)
Earnings per common share — diluted^(a)	$	1.45		$	1.48		$	(0.03	)	(2	)%
Return on average equity^(b)		23.6	%		29.0	%
Return on average tangible common equity ^(c)		30.6	%		36.2	%

(a)

Earnings per common share — diluted was reduced by the impact of (i) earnings allocated to participating share awards and other items of $11 million for both the three months ended March 31, 2016 and 2015, and (ii) dividends on preferred shares of $21 million and nil for the three months ended March 31, 2016 and 2015, respectively.

(b)	Return on average equity (ROE) is computed by dividing (i) one-year period net income ($5.1 billion and $6.0 billion for March 31, 2016 and 2015, respectively) by (ii) one-year average total shareholders’ equity ($21.5 billion and $20.6 billion for March 31, 2016 and 2015, respectively).

(c)

Return on average tangible common equity (ROTCE), a non-GAAP measure, is computed in the same manner as ROE except the computation of average tangible common equity, a non-GAAP measure, excludes from average total shareholders’ equity, average goodwill and other intangibles of $3.7 billion and $3.8 billion as of March 31, 2016 and 2015, respectively, and average preferred shares of $1.6 billion and $350 million as of March 31, 2016 and 2015, respectively. We believe ROTCE is a useful measure of the profitability of our business.


		31

Table 2: Total Revenue Net of Interest Expense Summary


	Three Months Ended
	March 31,				Change
(Millions, except percentages)	2016		2015		2016 vs. 2015
Discount revenue	$	4,643	$	4,660	$	(17	)	—%
Net card fees		699		667		32		5
Other fees and commissions		680		708		(28	)	(4)
Other		486		468		18		4

Total non-interest revenues		6,508		6,503		5		—

Total interest income		2,005		1,857		148		8
Total interest expense		425		410		15		4

Net interest income		1,580		1,447		133		9

Total revenues net of interest expense	$	8,088	$	7,950	$	138		2 %

Total Revenues Net of Interest Expense

Discount revenue remained relatively flat for the three months ended March 31, 2016, compared to the same period in the prior year, and increased 1 percent on an FX-adjusted basis, driven by 3 percent growth in billed business (6 percent on an FX-adjusted basis), partially offset by a decrease in the average discount rate, and increases in contra discount revenues, such as higher cash rebate rewards including new Card Member acquisition offers.¹ U.S. billed business increased 4 percent, and non-U.S. billed business increased 2 percent (9 percent on an FX-adjusted basis), compared to the same period in the prior year.¹

The average discount rate was 2.44 percent and 2.49 percent for the three months ended March 31, 2016 and 2015, respectively. The decrease was driven in part by growth of the OptBlue program, merchant negotiations, changes in industry mix, and impacts from European regulatory changes. We expect the average discount rate will likely decline by a greater amount during 2016 than 2015 due to the continued expansion of OptBlue, a greater impact from international regulatory changes and continued competitive pressures. More broadly, overall changes in the mix of spending by location and industry, merchant incentives and concessions, volume related pricing discounts, strategic investments, certain pricing initiatives, competition, pricing regulation (including regulation of competitors’ interchange rates) and other factors will likely result in continued erosion of our discount rate over time. See Tables 5 and 6 for more details on billed business performance and the average discount rate.

Net card fees increased $32 million or 5 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by higher proprietary cards-in-force.

Other fees and commissions decreased $28 million or 4 percent for the three months ended March 31, 2016, compared to the same period in the prior year, and remained relatively flat on an FX-adjusted basis.¹

Other revenues increased $18 million or 4 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by higher revenues from our Prepaid Services business.

Interest income increased $148 million or 8 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily reflecting an increase in average Card Member loans (including Card Member loans HFS) and a higher yield.

¹ The foreign currency adjusted information assumes a constant exchange rate between the periods being compared for purposes of currency translation into U.S. dollars (i.e., assumes the foreign exchange rates used to determine results for the current period apply to the corresponding period against which such results are being compared). Certain amounts included in the calculations of foreign currency-adjusted revenues and expenses, which constitute non-GAAP measures, are subject to management allocations. We believe the presentation of information on a foreign currency adjusted basis is helpful to investors by making it easier to compare our performance in one period to that of another period without the variability caused by fluctuations in currency exchange rates.


		32

Interest expense increased $15 million or 4 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by higher average customer deposit balances, partially offset by lower average long-term debt.

Table 3: Provisions for Losses Summary


	Three Months Ended
	March 31,				Change
(Millions, except percentages)	2016		2015		2016 vs. 2015
Charge card	$	169	$	174	$	(5)	(3)%
Card Member loans		227		235		(8)	(3)
Other		38		11		27	#

Total provisions for losses^(a)	$	434	$	420	$	14	3 %

# Denotes a variance greater than 100 percent.

(a)	For the three months ended March 31, 2016, provisions for losses does not reflect the HFS portfolios.

Provisions for Losses

Charge card provision for losses decreased $5 million or 3 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by lower write-offs, partially offset by a lower reserve release in the current year.

Card Member loans provision for losses decreased $8 million or 3 percent for the three months ended March 31, 2016, compared to the same period in the prior year, as the current year period does not reflect HFS portfolios as related credit costs are reported in Other expenses through a valuation allowance adjustment, the decrease from which was substantially offset by growth in Card Member loans.

Other provision for losses increased $27 million for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by growth and higher delinquency rates in merchant financing loans.

Table 4: Expenses Summary


	Three Months Ended
	March 31,				Change
(Millions, except percentages)	2016		2015		2016 vs. 2015
Marketing and promotion	$	727	$	609	$	118	19 %
Card Member rewards		1,703		1,640		63	4
Card Member services and other		282		261		21	8

Total marketing, promotion, rewards, Card Member services and other		2,712		2,510		202	8

Salaries and employee benefits		1,338		1,305		33	3
Other, net^(a)		1,420		1,399		21	2

Total expenses	$	5,470	$	5,214	$	256	5 %

(a)	Effective December 1, 2015, Other, net includes the valuation allowance adjustment associated with the HFS portfolios.

Expenses

Marketing and promotion expenses increased $118 million or 19 percent for the three months ended March 31, 2016, compared to the same period in the prior year, driven by elevated levels of spending on growth initiatives, predominantly within the USCS and ICNS segments.


		33

Card Member rewards expenses increased $63 million or 4 percent for the three months ended March 31, 2016, compared to the same period in the prior year. The current period increase was primarily driven by higher Membership Rewards expense of $49 million and higher cobrand rewards expense of $14 million. The increase in Membership Rewards expense was primarily driven by an increase in new points earned as a result of higher spending volumes. The increase in cobrand rewards expense was primarily driven by higher spending volumes, partially offset by a continued decline in spending on the Costco cobrand card portfolio.

The Membership Rewards Ultimate Redemption Rate (URR) for current program participants was 95 percent (rounded down) at March 31, 2016, compared to 95 percent (rounded up) at March 31, 2015.

Card Member services and other expenses increased $21 million or 8 percent for the three months ended March 31, 2016, compared to the same period in the prior year, driven by growth in proprietary cards-in-force as well as increased usage of new benefits.

Salaries and employee benefits expenses increased $33 million or 3 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by restructuring in the current year.

Other expenses increased $21 million or 2 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by the benefit in the prior year from both the reassessment of the functional currency of certain UK legal entities and other FX-related activity. The increase was also driven by the impact of the transfer of the HFS portfolios to Card Member loans and receivables HFS, as related credit costs are reported in Other expenses through a valuation allowance adjustment, both of which were partially offset by the gain on the sale of the JetBlue Card Member loans HFS portfolio, as well as lower fraud expense in the current year.

Income Taxes

The effective tax rate was 34.7 percent and 34.2 percent for the three months ended March 31, 2016, and 2015, respectively. The tax rates in both periods primarily reflect the level of pretax income in relation to permanent tax benefits and geographic mix of business. Additionally, the effective tax rates in both periods reflect the resolution of certain prior years’ tax items.


		34

Table 5: Selected Card Related Statistical Information


	As of or for the						Change
	Three Months Ended						2016
	March 31,						vs.
	2016			2015			2015
Card billed business: (billions)
United States	$	176.3		$	169.4		4%
Outside the United States		77.5			76.2		2

Worldwide	$	253.8		$	245.6		3

Total cards-in-force: (millions)
United States		57.9			54.8		6
Outside the United States		60.7			57.4		6

Worldwide		118.6			112.2		6

Basic cards-in-force: (millions)
United States		45.1			42.4		6
Outside the United States		50.0			47.3		6

Worldwide		95.1			89.7		6

Average basic Card Member spending: (dollars)^(a)
United States	$	4,249		$	4,320		(2)
Outside the United States		3,082			3,135		(2)
Worldwide Average		3,952			4,008		(1)
Card Member loans: (billions)^(b)
United States		50.7			59.9		(15)
Outside the United States		6.7			6.9		(3)

Worldwide	$	57.4		$	66.8		(14)

Average discount rate		2.44	%		2.49	%
Average fee per card (dollars)^(a)	$	40		$	39		3
Average fee per card adjusted (dollars)^(a)	$	43		$	44		(2)%

(a)

Average basic Card Member spending and average fee per card are computed from proprietary card activities only. Average fee per card is computed based on net card fees, including the amortization of deferred direct acquisition costs divided by average worldwide proprietary cards-in-force. The average fee per card adjusted, which is a non-GAAP measure, is computed in the same manner, but excludes amortization of deferred direct acquisition costs. The amount of amortization excluded was $68 million and $84 million for the three months ended March 31, 2016 and 2015, respectively. We present the average fee per card adjusted because we believe this metric presents a useful indicator of card fee pricing across a range of our proprietary card products.

(b)	Effective December 1, 2015, does not reflect the HFS portfolios.


		35

Table 6: Billed Business Growth


	Three Months Ended
	March 31, 2016
				Percentage Increase
	Percentage			(Decrease) Assuming
	Increase			No Changes in
		(Decrease)			FX Rates	^(a)
Worldwide^(b)
Total billed business		3	%		6	%
Proprietary billed business		3			4
GNS billed business^(c)		5			13
Airline-related volume (9% of worldwide billed business)		(4	)		(2	)
United States^(b)
Billed business		4
Proprietary consumer card billed business^(d)		4
Proprietary small business and corporate services billed business^(e)		5
T&E-related volume (27% of U.S. billed business)		1
Non-T&E-related volume (73% of U.S. billed business)		5
Airline-related volume (8% of U.S. billed business)		(5	)
Outside the United States^(b)
Billed business		2			9
Japan, Asia Pacific & Australia billed business		8			13
Latin America & Canada billed business		(14	)		5
Europe, the Middle East & Africa billed business		3			8
Proprietary consumer card billed business^(c)		1			8
Proprietary small business and corporate services billed business^(e)		(3	)%		4	%

(a)

The foreign currency adjusted information assumes a constant exchange rate between the periods being compared for purposes of currency translation into U.S. dollars (i.e., assumes the foreign exchange rates used to determine results for the current period apply to the corresponding period against which such results are being compared).

(b)	Captions in the table above not designated as “proprietary” or “GNS” include both proprietary and GNS data.

(c)	Included in the ICNS segment.

(d)	Included in the USCS segment.

(e)	Included in the GCS segment.


		36

Table 7: Selected Credit Related Statistical Information


	As of or for the Three Months Ended March 31,						Change 2016 vs.
(Millions, except percentages and where indicated)	2016			2015			2015
Worldwide Card Member receivables: ^(a)
Total receivables (billions)	$	44.5		$	43.7			2 %
Loss reserves:
Beginning balance	$	462		$	465			(1)
Provisions^(b)		169			174			(3)
Net write-offs^(c)		(186	)		(199	)		(7)
Other		1			(11	)		#

Ending balance	$	446		$	429			4

% of receivables		1.0	%		1.0	%
Net write-off rate — principal only^(d)		1.9	%		2.1	%
Net write-off rate — principal and fees ^(d)		2.1	%		2.3	%
30+ days past due as a % of total ^(d)		1.5	%		1.6	%
Net loss ratio as a % of charge volume — GCP		0.08	%		0.10	%
90+ days past billing as a % of total — GCP		0.7	%		0.7	%

Worldwide Card Member loans:^(a)
Total loans (billions)	$	57.4		$	66.8			(14)
Loss reserves:
Beginning balance	$	1,028		$	1,201			(14)
Provisions^(b)		227			235			(3)
Net write-offs — principal only^(c)		(214	)		(259	)		(17)
Net write-offs — interest and fees^(c)		(40	)		(43	)		(7)
Other		11			(4	)		#

Ending balance	$	1,012		$	1,130			(10)

Ending reserves — principal	$	959		$	1,074			(11)
Ending reserves — interest and fees	$	53		$	56			(5)
% of loans		1.8	%		1.7	%
% of past due		161	%		163	%
Average loans (billions)^(a)	$	57.4		$	67.6			(15)%
Net write-off rate — principal only^(d)		1.5	%		1.5	%
Net write-off rate — principal, interest and fees^(d)		1.8	%		1.8	%
30+ days past due as a % of total^(d)		1.1	%		1.0	%

#	Denotes a variance greater than 100 percent.

(a)	Refer to Table 5 footnote (b).

(b)	Provisions on principal and fee reserve components on Card Member receivables and provisions for principal, interest and/or fees on Card Member loans. Refer to Table 3 footnote (a).

(c)	Write-offs, less recoveries.

(d)

We present a net write-off rate based on principal losses only (i.e., excluding interest and/or fees) to be consistent with industry convention. In addition, because we consider uncollectible interest and/or fees in our reserves for credit losses, a net write-off rate including principal, interest and/or fees is also presented. The net write-off rates and 30+ days past due as a percentage of total relate to USCS, ICNS and Global Small Business Services (GSBS) Card Member receivables.


		37

Table 8: Net Interest Yield on Card Member Loans


	Three Months Ended
	March 31,
(Millions, except percentages and where indicated)		2016			2015
Net interest income	$	1,580		$	1,447
Exclude:
Interest expense not attributable to the Company’s Card Member loan portfolio		238			246
Interest income not attributable to the Company’s Card Member loan portfolio		(103	)		(87	)

Adjusted net interest income^(a)	$	1,715		$	1,606
Average loans including HFS loan portfolios (billions)	$	70.8		$	67.6

Net interest income divided by average loans		8.9	%		8.6	%
Net interest yield on Card Member loans^(a)		9.7	%		9.6	%

(a)

Adjusted net interest income and net interest yield on Card Member loans are non-GAAP measures. Refer to “Glossary of Selected Terminology” for definitions of these terms. We believe adjusted net interest income is useful to investors because it is a component of net interest yield on Card Member loans, which provides a measure of profitability of our Card Member loan portfolio.


		38

Business Segment Results

U.S. Consumer Services

Table 9: USCS Selected Income Statement Data


	Three Months Ended
	March 31,						Change
(Millions, except percentages)	2016			2015			2016 vs. 2015
Revenues
Non-interest revenues	$	2,029		$	2,031		$	(2	)	—	%

Interest income		1,391			1,273			118		9
Interest expense		140			114			26		23

Net interest income		1,251			1,159			92		8

Total revenues net of interest expense		3,280			3,190			90		3
Provisions for losses		190			193			(3	)	(2	)

Total revenues net of interest expense after provisions for losses		3,090			2,997			93		3

Expenses
Marketing, promotion, rewards, Card Member services and other		1,348			1,210			138		11
Salaries and employee benefits and other operating expenses		655			746			(91	)	(12	)

Total expenses		2,003			1,956			47		2

Pretax segment income		1,087			1,041			46		4
Income tax provision		393			382			11		3

Segment income	$	694		$	659		$	35		5	%

Effective tax rate		36.2	%		36.7	%

USCS issues a wide range of proprietary consumer cards and provides services to consumers in the United States, including consumer travel services.

Non-interest revenues decreased marginally for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by lower discount revenue as a result of higher cash rebate rewards including new Card Member acquisition offers, which was partially offset by growth in billed business. The decrease in discount revenue was largely offset by both an increase in net card fees, resulting from higher proprietary cards-in-force, and higher delinquency fees. Billed business increased 4 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by a 6 percent increase in proprietary cards-in-force, partially offset by a 3 percent decrease in average spending per proprietary basic card.

Net interest income increased $92 million or 8 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by higher average Card Member loans (including Card Member loans HFS), partially offset by higher interest expense.

Overall, provisions for losses decreased $3 million or 2 percent for the three months ended March 31, 2016, compared to the same period in the prior year, as the current year period does not reflect provisions for the HFS portfolios as related credit costs are reported in Other expenses through a valuation allowance adjustment, the decrease from which was partially offset by growth in Card Member loans held for investment.

Marketing, promotion, rewards, Card Member services and other expenses increased $138 million or 11 percent for the three months ended March 31, 2016, compared to the same period in the prior year. This increase was primarily driven by an $81 million increase in marketing and promotion expense, driven by elevated levels of spending on growth initiatives, and a $36 million increase in Card Member rewards expense. The increase in Card Member rewards expense was due to higher Membership Rewards expense of $30 million primarily driven by an increase in new points earned due to higher spending volumes and an increase in the URR, partially offset by a decline in the weighted average cost (WAC) per point assumption. The increase in cobrand rewards expense of $6 million was primarily driven by higher spending volumes, partially offset by a continued decline in spending on the Costco cobrand card portfolio.


		39

Salaries and employee benefits and other operating expenses decreased $91 million or 12 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by the gain on the sale of the JetBlue Card Member loans HFS portfolio.


		40

Table 10: USCS Selected Statistical Information


	As of or for the Three Months Ended March 31,						Change 2016 vs.
(Millions, except percentages and where indicated)	2016			2015			2015
Card billed business (billions)	$	89.0		$	85.7			4	%
Total cards-in-force		40.9			38.6			6
Basic cards-in-force		28.8			26.9			7
Average basic Card Member spending (dollars)	$	3,092		$	3,184			(3	)
Total segment assets (billions)^(a)	$	86.3		$	84.0			3
Segment capital (billions)	$	7.4		$	7.8			(5	)
Return on average segment capital^(b)		31.8	%		30.5	%
Return on average tangible segment capital^(b)		33.3	%		31.6	%

Card Member receivables:^(c)
Total receivables (billions)	$	10.3		$	10.5			(2	)
Net write-off rate – principal only^(d)		1.8	%		2.1	%
Net write-off rate – principal and fees^(d)		2.0	%		2.3	%
30+ days past due as a % of total		1.4	%		1.5	%

Card Member loans:^(c)
Total loans (billions)	$	42.4		$	50.3			(16	)
Average loans (billions)	$	42.5		$	50.9			(16	)%
Net write-off rate – principal only^(d)		1.5	%		1.5	%
Net write-off rate – principal, interest and fees^(d)		1.7	%		1.7	%
30+ days past due loans as a % of total		1.0	%		0.9	%

Calculation of Net Interest Yield on Card Member loans:
Net interest income	$	1,251		$	1,159
Exclude:
Interest expense not attributable to the Company’s Card
Member loan portfolio		19			17
Interest income not attributable to the Company’s Card
Member loan portfolio		(5	)		(4	)

Adjusted net interest income^(e)	$	1,265		$	1,172

Average loans including HFS loan portfolios (billions)	$	53.8		$	50.9

Net interest income divided by average loans		9.3	%		9.1	%
Net interest yield on Card Member loans^(e)		9.5	%		9.4	%

(a)	Effective September 30, 2015, certain intercompany balances have been reclassified between operating segments, as a result of system enhancements.

(b)

Return on average segment capital is calculated by dividing (i) one-year period segment income ($2.4 billion and $2.3 billion for the twelve months ended March 31, 2016 and 2015, respectively) by (ii) one-year average segment capital ($7.5 billion and $7.4 billion for the twelve months ended March 31, 2016 and 2015, respectively). Return on average tangible segment capital, a non-GAAP measure, is computed in the same manner as return on average segment capital except the computation excludes from average segment capital average goodwill and other intangibles of $330 million and $261 million as of March 31, 2016 and 2015, respectively. We believe the return on average tangible segment capital is a useful measure of the profitability of our business.

(c)	Refer to Table 5 footnote (b).

(d)	Refer to Table 7 footnote (d).

(e)

Adjusted net interest income and net interest yield on Card Member loans are non-GAAP measures. Refer to “Glossary of Selected Terminology” for the definitions of these terms. We believe adjusted net interest income is useful to investors because it is a component of net interest yield on Card Member loans, which provides a measure of profitability of our Card Member loan portfolio.


		41

International Consumer and Network Services

Table 11: ICNS Selected Income Statement Data


	Three Months Ended
	March 31,						Change
(Millions, except percentages)	2016			2015			2016 vs. 2015
Revenues
Non-interest revenues	$	1,140		$	1,145		$	(5	)	–	%

Interest income		227			245			(18	)	(7	)
Interest expense		54			63			(9	)	(14	)

Net interest income		173			182			(9	)	(5	)

Total revenues net of interest expense		1,313			1,327			(14	)	(1	)
Provisions for losses		71			70			1		1

Total revenues net of interest expense after provisions for losses		1,242			1,257			(15	)	(1	)

Expenses
Marketing, promotion, rewards, Card Member services and other		481			447			34		8
Salaries and employee benefits and other operating expenses		506			530			(24	)	(5	)

Total expenses		987			977			10		1

Pretax segment income		255			280			(25	)	(9	)
Income tax provision		67			83			(16	)	(19	)

Segment income	$	188		$	197		$	(9	)	(5	)%

Effective tax rate		26.3	%		29.6	%

ICNS issues a wide range of proprietary consumer cards outside the United States and enters into partnership agreements with third party card issuers and acquirers, licensing the American Express brand and extending the reach of the global network. It also provides travel services to consumers outside the United States.

Non-interest revenues remained relatively flat for the three months ended March 31, 2016, compared to the same period in the prior year, and increased 8 percent on an FX-adjusted basis, primarily driven by higher discount revenue, due to an increase in both proprietary and non-proprietary (i.e., GNS) billed business, as well as higher net card fees.² Total billed business increased 3 percent (11 percent on an FX adjusted basis) for the three months ended March 31, 2016, compared to the same period in the prior year, primarily due to increased proprietary and GNS cards in force, with a relatively consistent level of average spend per card.² Refer to Tables 6 and 7 for additional information on billed business by region.

Interest income decreased $18 million or 7 percent for the three months ended March 31, 2016, compared to the same period in the prior year, and increased 5 percent on an FX-adjusted basis, primarily driven by higher average FX-adjusted loan balances.²

Interest expense decreased $9 million or 14 percent for the three months ended March 31, 2016, compared to the same period in the prior year, and was relatively flat on an FX-adjusted basis.²

Provisions for losses remained relatively flat for the three months ended March 31, 2016, compared to the same period in the prior year, and increased 13 percent on an FX-adjusted basis, driven by higher charge card net write-offs.²

Marketing, promotion, rewards, Card Member services and other expenses increased $34 million or 8 percent (15 percent on an FX-adjusted basis) for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by elevated levels of spending on growth initiatives and higher rewards expense, mostly due to higher spending volumes.²

²	Refer to footnote 1 on page 32 for details regarding foreign currency adjusted information.


		42

Salaries and employee benefits and other operating expenses decreased $24 million or 5 percent for the three months ended March 31, 2016, compared to the same period in the prior year, and was relatively flat on an FX-adjusted basis.³

The effective tax rate in all periods reflects the recurring permanent tax benefit related to the segment’s ongoing funding activities outside the United States, which is allocated to ICNS under the Company’s internal tax allocation process. The effective tax rate for 2015 also reflects the allocated share of tax benefits related to the resolution of certain prior years’ items. In addition, the effective tax rate in each of the periods reflects the impact of recurring permanent tax benefits on varying levels of pretax income.

³ Refer to footnote 1 on page 32 for details regarding foreign currency adjusted information.


		43

Table 12: ICNS Selected Statistical Information


	As of or for the						Change
	Three Months Ended						2016
	March 31,						vs.
(Millions, except percentages and where indicated)	2016			2015			2015
Card billed business (billions)
Proprietary	$	24.7		$	24.5			1	%
GNS		40.5			38.6			5

Total	$	65.2		$	63.1			3

Total cards-in-force
Proprietary		14.8			14.3			3
GNS		47.7			44.5			7

Total		62.5			58.8			6

Proprietary basic cards-in-force		10.1			9.9			2
Average proprietary basic Card Member spending (dollars)	$	2,455		$	2,454			—
Total segment assets (billions)^(a)	$	34.3		$	28.6			20
Segment capital (billions)	$	2.5		$	3.0			(17	)
Return on average segment capital^(b)		23.6	%		24.3	%
Return on average tangible segment capital ^(b)		31.7	%		34.2	%

Card Member receivables:
Total receivables (billions)	$	5.6		$	5.1			10
Net write-off rate – principal only ^(c)		2.2	%		1.9	%
Net write-off rate – principal and fees^(c)		2.4	%		2.1	%
30+ days past due loans as a % of total		1.5	%		1.6	%

Card Member loans:
Total loans (billions)	$	6.6		$	6.8			(3	)
Average loans (billions)	$	6.8		$	7.2			(6	)%
Net write-off rate – principal only ^(c)		1.9	%		2.0	%
Net write-off rate – principal, interest and fees ^(c)		2.4	%		2.5	%
30+ days past due loans as a % of total		1.8	%		1.8	%

Calculation of Net Interest Yield on Card Member loans:
Net interest income	$	173		$	182
Exclude:
Interest expense not attributable to the Company’s Card Member loan portfolio		11			15
Interest income not attributable to the Company’s Card Member loan portfolio		(3	)		(4	)

Adjusted net interest income^(d)	$	181		$	193

Average loans (billions)	$	6.7		$	7.2

Net interest income divided by average loans		10.3	%		10.2	%
Net interest yield on Card Member loans ^(d)		10.8	%		10.9	%

(a)	Effective September 30, 2015, certain intercompany balances have been reclassified between operating segments as a result of system enhancements.

(b)

Return on average segment capital is calculated by dividing (i) one-year period segment income ($676 million and $651 million for the twelve months ended March 31, 2016 and 2015, respectively) by (ii) one-year average segment capital ($2.9 billion and $2.7 billion for the twelve months ended March 31, 2016 and 2015, respectively). Return on average tangible segment capital, a non-GAAP measure, is computed in the same manner as return on average segment capital except the computation excludes from average segment capital average goodwill and other intangibles of $0.7 billion and $0.8 billion as of March 31, 2016 and 2015, respectively. We believe return on average tangible segment capital is a useful measure of the profitability of our business.

(c)	Refer to Table 7 footnote (d).

(d)


		44

Global Commercial Services

Table 13: GCS Selected Income Statement Data


	Three Months Ended
	March 31,						Change
(Millions, except percentages)	2016			2015			2016 vs. 2015
Revenues
Non-interest revenues	$	2,190		$	2,175		$	15	1	%

Interest income		321			278			43	15
Interest expense		95			89			6	7

Net interest income		226			189			37	20

Total revenues net of interest expense		2,416			2,364			52	2
Provisions for losses		160			151			9	6

Total revenues net of interest expense after provisions for losses		2,256			2,213			43	2

Expenses
Marketing, promotion, rewards, Card Member services and other		766			723			43	6
Salaries and employee benefits and other operating expenses		729			673			56	8

Total expenses		1,495			1,396			99	7

Pretax segment income		761			817			(56)	(7	)
Income tax provision		276			300			(24)	(8	)

Segment income	$	485		$	517		$	(32)	(6	)%

Effective tax rate		36.3	%		36.7	%

GCS issues a wide range of proprietary corporate and small business cards and provides payment and expense management services globally. In addition, GCS provides financing products for qualified merchants.

Non-interest revenues increased $15 million or 1 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by higher discount revenue due to an increase in billed business. Billed business increased 3 percent for the three months ended March 31, 2016, compared to the same period in the prior year. Billed business increased 5 percent within the United States and decreased 3 percent outside the United States (increased 4 percent on an FX-adjusted basis) for the three months ended March 31, 2016, compared to the same period in the prior year, primarily due to increased cards-in-force and higher Card Member spending.⁴

Net interest income increased $37 million or 20 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by higher average loan balances, partially offset by higher interest expense.

Provisions for losses increased $9 million or 6 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by growth and higher delinquency rates in merchant financing loans, partially offset by lower write-offs in the Card Member receivables portfolio.

Marketing, promotion, rewards, Card Member services and other expenses increased $43 million or 6 percent for the three months ended March 31, 2016, compared to the same period in the prior year primarily driven by higher Card Member rewards expense, due to higher spending volumes, and increased marketing and promotion expense.

⁴ Refer to footnote 1 on page 32 for details regarding foreign currency adjusted information.


		45

Salaries and employee benefits and other operating expenses increased $56 million or 8 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily due to higher other operating expenses, such as technology development and professional fees, as well as payroll costs.


		46

Table 14: GCS Selected Statistical Information


	As of or for the						Change
	Three Months Ended						2016
	March 31,						vs.
(Millions, except percentages and where indicated)	2016			2015			2015
Card billed business (billions)	$	98.5		$	95.5			3	%
Total cards-in-force		15.2			14.8			3
Basic cards-in-force		15.2			14.8			3
Average basic Card Member spending (dollars)	$	6,509		$	6,461			1
Total segment assets (billions)^(a)	$	46.7		$	45.5			3
Segment capital (billions)	$	7.2		$	7.3			(1)
Return on average segment capital^(b)		28.0	%		34.4	%
Return on average tangible segment capital^(b)		38.8	%		48.4	%
Card Member receivables (billions)^(c)	$	28.6		$	28.1			2
Card Member loans (billions)^(c)	$	8.3		$	9.7			(14)

Card Member receivables:
Total receivables - GCP (billions)	$	15.4		$	15.7			(2)
90+ days past billing as a % of total - GCP^(d)		0.7	%		0.7	%
Net loss ratio (as a % of charge volume) - GCP		0.08	%		0.10	%
Total receivables - GSBS (billions)^(c)	$	13.2		$	12.4			7
Net write-off rate (principal only) - GSBS^(e)		1.8	%		2.2	%
Net write-off rate (principal and fees) - GSBS^(e)		2.1	%		2.4	%
30+ days past due as a % of total - GSBS		1.6	%		1.8	%

Card Member loans:^(c)
Total loans - GSBS (billions)	$	8.3		$	9.7			(14)
Average loans - GSBS (billions)	$	8.1		$	9.5			(15)	%
Net write-off rate (principal only) - GSBS^(e)		1.4	%		1.3	%
Net write-off rate (principal, interest and fees) - GSBS^(e)		1.6	%		1.6	%
30+ days past due as a % of total - GSBS		1.0	%		1.0	%

Calculation of Net Interest Yield on Card Member loans:
Net interest income	$	226		$	189
Exclude:
Interest expense not attributable to the Company’s Card
Member loan portfolio		72			71
Interest income not attributable to the Company’s Card
Member loan portfolio		(28)			(19)

Adjusted net interest income	$	270		$	241

Average loans including HFS loan portfolios (billions)	$	10.3		$	9.6

Net interest income divided by average loans		8.8	%		7.9	%
Net interest yield on Card Member loans^(f)		10.5	%		10.2	%

(a)	Effective September 30, 2015, certain intercompany balances have been reclassified between operating segments as a result of system enhancements.

(b)

Return on average segment capital is calculated by dividing (i) one-year period segment income ($2.0 billion and $2.4 billion for the twelve months ended March 31, 2016 and 2015, respectively) by (ii) one-year average segment capital ($7.1 billion and $6.8 billion for the twelve months ended March 31, 2016 and 2015, respectively). Return on average tangible segment capital, a non-GAAP measure, is computed in the same manner as return on average segment capital except the computation excludes from average segment capital average goodwill and other intangibles of $2.0 billion as of both March 31, 2016 and 2015. We believe return on average tangible segment capital is a useful measure of the profitability of our business.

(c)	Refer to Table 5 footnote (b).

(d)

For GCP Card Member receivables, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card Member’s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is classified as 90 days past billing. These amounts are shown above as 90+ Days Past Due for presentation purposes.

(e)	Refer to Table 7 footnote (d).

(f)


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Global Merchant Services

Table 15: GMS Selected Income Statement Data


	Three Months Ended
	March 31,						Change
(Millions, except percentages)	2016			2015			2016 vs. 2015
Revenues
Non-interest revenues	$	1,041		$	1,070		$	(29)	(3)	%
Interest expense		(59)			(59)			—	—

Total revenues net of interest expense		1,100			1,129			(29)	(3)
Provisions for losses		8			6			2	33

Total revenues net of interest expense after provisions for losses		1,092			1,123			(31)	(3)

Expenses
Marketing, promotion, rewards, Card Member services and other		58			56			2	4
Salaries and employee benefits and other operating expenses		463			481			(18)	(4)

Total expenses		521			537			(16)	(3)

Pretax segment income		571			586			(15)	(3)
Income tax provision		214			217			(3)	(1)

Segment income	$	357		$	369		$	(12)	(3)	%

Effective tax rate		37.5	%		37.0	%

GMS operates a global payments network that processes and settles proprietary and non-proprietary card transactions. GMS acquires merchants and provides multi-channel marketing programs and capabilities, services and data, leveraging the Company’s global closed-loop network. GMS also operates loyalty coalition businesses in certain countries around the world.

Non-interest revenues decreased $29 million or 3 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by higher contra revenues, as well as a decrease in the discount rate, partially offset by a 3 percent increase in global billed business (6 percent on an FX-adjusted basis).⁵

Net interest expense was flat for the three months ended March 31, 2016, compared to the same period in the prior year, and increased 18 percent on an FX-adjusted basis, reflecting a higher interest expense credit relating to internal transfer pricing and funding rates, which resulted in a net benefit for GMS due to its merchant payables.⁵

Salaries and employee benefits and other operating expenses decreased $18 million or 4 percent for the three months ended March 31, 2016, compared to the same period in the prior year, primarily driven by lower professional fees.

⁵ Refer to footnote 1 on page 32 for details regarding foreign currency adjusted information.


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Table 16: GMS Selected Statistical Information


	As of or for the						Change
	Three Months Ended						2016
	March 31,						vs.
(Millions, except percentages and where indicated)	2016			2015			2015
Loyalty Coalition revenue	$	94		$	91			3	%
Average discount rate		2.44	%		2.49	%
Total segment assets^(a)(billions)	$	23.7		$	17.2			38	%
Segment capital(billions)	$	2.4		$	2.2			9	%
Return on average segment capital^(b)		62.7	%		68.9	%
Return on average tangible segment capital^(b)		79.3	%		92.0	%

(a)	Effective September 30, 2015, certain intercompany balances have been reclassified between operating segments as a result of system enhancements.

(b)

Return on average segment capital is calculated by dividing (i) one-year period segment income ($1.5 billion for both the twelve months ended March 31, 2016 and 2015, respectively) by (ii) one-year average segment capital ($2.4 billion and $2.1 billion for the twelve months ended March 31, 2016 and 2015, respectively). Return on average tangible segment capital, a non-GAAP measure, is computed in the same manner as return on average segment capital except the computation excludes from average segment capital average goodwill and other intangibles of $496 million and $534 million as of March 31, 2016 and 2015, respectively. We believe return on average tangible segment capital is a useful measure of the profitability of our business.

Corporate & Other

Corporate functions and certain other businesses, including our Prepaid Services business and other operations, are included in Corporate & Other.

Corporate & Other net expense increased to $298 million for the three months ended March 31, 2016, compared to $217 million for the three months ended March 31, 2015, primarily driven by the benefit in the prior year from both the reassessment of the functional currency of certain UK legal entities and other FX-related activity, as well as restructuring in the current year, partially offset by higher revenues from our Prepaid Services business.

Results for both periods disclosed included net interest expense related to maintaining the liquidity pool discussed in “Consolidated Capital Resources and Liquidity – Liquidity Management”, as well as interest expense related to other corporate indebtedness.


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Consolidated Capital Resources and Liquidity

Our balance sheet management objectives are to maintain:

•

A solid and flexible equity capital profile;

•

A broad, deep and diverse set of funding sources to finance our assets and meet operating requirements; and

•

Liquidity programs that enable us to continuously meet expected future financing obligations and business requirements for at least a 12-month period, even in the event we are unable to continue to raise new funds under our traditional funding programs during a substantial weakening in economic conditions.

Transitional Basel III

The following table presents our regulatory risk-based capital ratios and leverage ratios and those of our significant bank subsidiaries, American Express Centurion Bank (AECB) and American Express Bank, FSB (FSB), as well as additional ratios widely utilized in the marketplace, as of March 31, 2016.

Table 17: Regulatory Risk-Based Capital and Leverage Ratios



	Basel III		Ratios as of
	Standards		March 31,
	2016^(a)		2016
Risk-Based Capital
Common Equity Tier 1	5.1	%
American Express			12.6	%
AECB			17.9
FSB			14.9
Tier 1	6.6
American Express			13.8
AECB			17.9
FSB			14.9
Total	8.6
American Express			15.3
AECB			19.2
FSB			16.4
Tier 1 Leverage	4.0
American Express			11.5
AECB			17.4
FSB			13.2
Supplementary Leverage Ratio^(b)	3.0	%
American Express			9.6
AECB			13.8
FSB			10.0
Common Equity to Risk-Weighted Assets
American Express			14.6
Tangible Common Equity to Risk-Weighted Assets^(c)
American Express			11.8	%

(a)	Transitional Basel III minimum and conservation buffer as defined by the Federal Reserve for calendar year 2016 for Advanced Approaches institutions.

(b)	The minimum supplementary leverage ratio (SLR) requirement of 3 percent is effective January 1, 2018.

(c)

Tangible Common Equity to Risk-Weighted Assets, a non-GAAP measure, is calculated by dividing shareholders’ equity of $20.7 billion as of March 31, 2016, less preferred shares of $1.6 billion and goodwill and other intangibles of $3.7 billion, by risk-weighted assets of $130.9 billion. We believe presenting the ratio of Tangible Common Equity to Risk-Weighted Assets is a useful measure of evaluating the strength of our capital position. Tangible Common Equity to Risk-Weighted Assets ratio is widely used in the marketplace, although it may be calculated differently by different companies.


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Table 18: Regulatory Risk-Based Capital Components and Risk Weighted Assets


($ in Billions)		March 31, 2016
Risk-Based Capital
Common Equity Tier 1	$	16.5
Tier 1 Capital		18.0
Tier 2 Capital^(a)		2.1
Total Capital		20.1

Risk Weighted Assets		130.9
Average Total Assets to calculate the Tier 1 Leverage Ratio		157.1
Total Leverage Exposure to calculate SLR	$	188.3

(a)	Tier 2 capital is the sum of the allowance for receivable and loan losses (limited to 1.25 percent of risk-weighted assets) and $600 million of subordinated notes issued in the fourth quarter of 2014 adjusted for capital held by insurance subsidiaries.

We seek to maintain capital levels and ratios in excess of the minimum regulatory requirements and finance such capital in a cost efficient manner; failure to maintain minimum capital levels could affect our status as a financial holding company and cause the regulatory agencies with oversight of American Express, AECB and FSB to take actions that could limit our business operations.

Our primary source of equity capital has been the generation of net income. Historically, capital generated through net income and other sources, such as the exercise of stock options by employees, has exceeded the annual growth in our capital requirements. To the extent capital has exceeded business, regulatory and rating agency requirements, we have historically returned excess capital to shareholders through our regular common share dividend and share repurchase program.

We maintain certain flexibility to shift capital across our businesses as appropriate. For example, we may infuse additional capital into subsidiaries to maintain capital at targeted levels in consideration of debt ratings and regulatory requirements. These infused amounts can affect the capital profile and liquidity levels at the American Express parent company level. We do not currently intend or foresee a need to shift capital from non-U.S. subsidiaries with permanently reinvested earnings to a U.S. parent company.

The following are definitions for our regulatory risk-based capital ratios and leverage ratio, which are calculated as per standard regulatory guidance:

Risk-Weighted Assets — Assets are weighted for risk according to a formula used by the Federal Reserve to conform to capital adequacy guidelines. On- and off-balance sheet items are weighted for risk, with off-balance sheet items converted to balance sheet equivalents, using risk conversion factors, before being allocated a risk-adjusted weight. The off-balance sheet items comprise a minimal part of the overall calculation.

Common Equity Tier 1 Risk-Based Capital Ratio — Calculated as Common Equity Tier 1 capital, divided by risk-weighted assets. Common Equity Tier 1 is the sum of common shareholders’ equity, adjusted for ineligible goodwill and intangible assets, certain deferred tax assets, as well as certain other comprehensive income items as follows: net unrealized gains/losses on securities and derivatives, and net unrealized pension and other postretirement benefit losses, all net of tax and subject to transition provisions.

Tier 1 Risk-Based Capital Ratio — Calculated as Tier 1 capital divided by risk-weighted assets. Tier 1 capital is the sum of Common Equity Tier 1 capital, our perpetual preferred stock and third-party non-controlling interests in consolidated subsidiaries adjusted for capital to be held by insurance subsidiaries and deferred tax assets from net operating losses not deducted from Common Equity Tier 1 capital.


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Total Risk-Based Capital Ratio — Calculated as the sum of Tier 1 capital and Tier 2 capital, divided by risk-weighted assets. Tier 2 capital is the sum of the allowance for receivable and loan losses (limited to 1.25 percent of risk-weighted assets) and $600 million of subordinated notes issued in the fourth quarter of 2014 adjusted for capital held by insurance subsidiaries.

Tier 1 Leverage Ratio — The Tier 1 leverage ratio is calculated by dividing Tier 1 capital by our average total consolidated assets for the most recent quarter. Average total consolidated assets as of March 31, 2016 were $157.1 billion.

Supplementary Leverage Ratio – The supplementary leverage ratio is calculated by dividing Tier 1 capital by total leverage exposure under Basel III. Leverage exposure, which reflects average total consolidated assets with adjustments for Tier 1 capital deductions, average off-balance sheet derivatives exposures, securities purchased under agreements to resell and credit equivalents of undrawn commitments that are both conditionally and unconditionally cancellable. Total leverage exposure for supplementary leverage ratio purposes as of March 31, 2016 was $188.3 billion.

The following is a definition for Tangible Common Equity to Risk-Weighted Assets ratio, which is widely used in the marketplace, although it may be calculated differently by different companies:

Common Equity and Tangible Common Equity to Risk-Weighted Assets Ratios — Common equity equals our shareholders’ equity of $20.7 billion as of March 31, 2016, less preferred shares of $1.6 billion. Tangible common equity, a non-GAAP measure, equals common equity less goodwill and other intangibles of $3.7 billion as of March 31, 2016. We believe presenting the ratio of tangible common equity to risk-weighted assets is a useful measure of evaluating the strength of our capital position.

Fully Phased-in Basel III

Basel III, when fully phased-in, will require bank holding companies and their bank subsidiaries to maintain more capital than prior requirements, with a greater emphasis on common equity. The following table presents our estimates for our regulatory risk-based capital ratios and leverage ratios had Basel III been fully phased-in as of March 31, 2016. These ratios are calculated using the Standardized Approach for determining risk-weighted assets. As noted previously, we are currently taking steps toward Basel III Advanced Approaches implementation in the United States. We believe the presentation of these ratios is helpful to investors by showing the impact of future regulatory capital standards on our capital and leverage ratios.


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Table 19: Estimated Fully Phased-in Basel III Capital and Leverage Ratios


		March 31,
($ in Billions)		2016
Estimated Common Equity Tier 1 Ratio under Fully Phased-In Basel III^(a)		12.0	%
Estimated Tier 1 Capital Ratio under Fully Phased-In Basel III ^(a)		13.2

Estimated Tier 1 Leverage Ratio under Fully Phased-In Basel III^(b)		11.1
Estimated Supplementary Leverage Ratio under Fully Phased-In Basel III		9.3	%

Estimated Risk-Weighted Assets under Fully Phased-In Basel III^(c)	$	132.2
Estimated Average Total Assets to calculate the Tier 1 Leverage Ratio^(b)		156.8
Estimated Total Leverage Exposure to calculate SLR under Fully Phased-In Basel III ^(d)	$	187.9

(a)

The Fully Phased-in Basel III Common Equity Tier 1 and Tier 1 risk-based capital ratios, non-GAAP measures, are calculated as Common Equity Tier 1 or Tier 1 capital under Fully Phased-in Basel III rules, as applicable, divided by risk-weighted assets under Fully Phased-in Basel III rules. Refer to Table 20 for a reconciliation of Common Equity Tier 1 and Tier 1 capital under Fully Phased-in Basel III rules to Common Equity Tier 1 and Tier 1 capital under Transitional Basel III rules.

(b)

The Fully Phased-in Basel III Tier 1 and supplementary leverage ratios, non-GAAP measures, are calculated by dividing Fully Phased-in Basel III Tier 1 capital by our average total assets and Fully Phased-in total leverage exposure for supplementary leverage ratio purposes under Fully Phased-in Basel III, respectively.

(c)

Estimated Fully Phased-in Basel III risk-weighted assets, a non-GAAP measure, reflect our Basel III risk-weighted assets, with all transition provisions fully phased in. This includes incremental risk weighting applied to deferred tax assets and significant investments in unconsolidated financial institutions, as well as exposures to past due accounts, equities and sovereigns.

(d)

Estimated Fully Phased-in Basel III Leverage Exposure, a non-GAAP measure, reflects average total consolidated assets with adjustments for Tier 1 capital deductions on a fully phased-in basis, off-balance sheet derivatives, undrawn conditionally and unconditionally cancellable commitments and other off-balance sheet liabilities.

The Basel capital standards establish minimum requirements for the Tier 1 risk-based capital ratios that are 1.5 percent higher than the minimum requirements for Common Equity Tier 1 risk-based capital ratios. This difference between Tier 1 capital, which includes common equity and qualifying preferred securities and Common Equity Tier 1 is also present in the minimum capital requirements within Comprehensive Capital Analysis and Review (CCAR). We issued $1.6 billion of preferred shares to help finance a portion of the Tier 1 capital requirements in excess of common equity requirements.

Our $750 million of subordinated debentures, which prior to 2014, were fully included in Tier 2 capital (but not in Tier 1 capital), do not meet the requirements of Tier 2 capital under Basel III. The phase-out of the subordinated debentures from Tier 2 capital began in the first quarter of 2014 and was fully phased out on January 1, 2016. At our option, the subordinated debentures are redeemable for cash on or after September 1, 2016 at 100 percent of the principal amount plus any accrued but unpaid interest. We currently intend to exercise this redemption option, subject to business and market conditions. As previously mentioned, we issued $600 million of subordinated notes, which qualify as Tier 2 capital under Basel rules.

The following table presents a comparison of our Common Equity Tier 1 and Tier 1 risk-based capital under Transitional Basel III rules to our estimated Common Equity Tier 1 and Tier 1 risk-based capital under Fully Phased-in Basel III rules as of March 31, 2016.


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Table 20: Transitional Basel III versus Fully Phased-in Basel III



(Billions)		CET1		Tier 1

Risk-Based Capital under Transitional Basel III	$	16.5	$	18.0
Adjustments related to:
Accumulated Other Comprehensive Income		(0.2)		(0.2)
Transition provisions for intangible assets		(0.3)		(0.3)
Other		(0.1)		—

Estimated Common Equity Tier 1 (CET1) and Tier 1 Risk-Based Capital under Fully Phased-in Basel III	$	15.9	$	17.5

Fully Phased-in Basel III Risk-Weighted Assets — Reflects our Basel III risk-weighted assets, with all transition provisions fully phased in. This includes incremental risk weighting applied to deferred tax assets and significant investments in unconsolidated financial institutions, as well as exposures to past due accounts, equities and sovereigns.

Fully Phased-in Basel III Tier 1 Leverage Ratio — Calculated by dividing Fully Phased-in Basel III Tier 1 capital by our average total consolidated assets.

Fully Phased-in Basel III Supplementary Leverage Ratio — Calculated by dividing Fully Phased-in Basel III Tier 1 capital by our Fully Phased-in total leverage exposure for supplementary leverage ratio purposes under Fully Phased-in Basel III.

Share Repurchases and Dividends

We return capital to common shareholders through dividends and share repurchases. The share repurchases reduce common shares outstanding and more than offset the issuance of new shares as part of employee compensation plans.

During the three months ended March 31, 2016, we returned $1.4 billion to our shareholders in the form of common stock dividends ($0.3 billion) and share repurchases ($1.1 billion). We repurchased 19.9 million common shares at an average price of $56.17 in the first quarter of 2016. These dividend and share repurchase amounts represent approximately 99 percent of total capital generated during the quarter. The amount of capital we generated in the first quarter of 2016 significantly exceeded the capital required to finance organic business growth and acquisitions. The recent and expected sales of the HFS loan portfolios are expected to, all else remaining constant, increase our capital ratios due to the reduction in risk-weighted assets. This additional capital flexibility may be used to support growth in loans, potential acquisitions, distributions to shareholders, or a combination thereof.

In addition, during the three months ended March 31, 2016, we had $750 million of non-cumulative perpetual preferred shares (the “Series B Preferred Shares”) and $850 million of non-cumulative perpetual preferred shares (the “Series C Preferred Shares”) outstanding. Dividends declared and paid on Series C Preferred Shares during the first quarter of 2016 were $20.8 million.

Bank holding companies with $50.0 billion or more in total consolidated assets, including the Company, are required to develop and maintain a capital plan, and to submit the capital plan to the Federal Reserve for review under its Comprehensive Capital Analysis and Review (“CCAR”) process. All such bank holding companies were required to submit their capital plans to the Federal Reserve by April 5, 2016. The Federal Reserve is expected to publish the decisions for all the bank holding companies participating in CCAR 2016, including the reasons for any objection to capital plans, by June 30, 2016. In addition, the Federal Reserve will separately publish the results of its supervisory stress test under both the supervisory severely adverse and adverse scenarios. The information to be released will include, among other things, the Federal Reserve’s projection of company-specific information, including post-stress capital ratios and the minimum value of these ratios over the planning horizon.


		54

Funding Strategy

Our principal funding objective is to maintain broad and well-diversified funding sources to allow us to meet our maturing obligations, cost-effectively finance current and future asset growth in our global businesses as well as to maintain a strong liquidity profile.

Summary of Consolidated Debt

We had the following consolidated debt and customer deposits outstanding as of March 31, 2016 and December 31, 2015:

Table 21: Consolidated Debt



(Billions)		March 31, 2016		December 31, 2015

Short-term borrowings	$	2.6	$	4.8
Long-term debt		47.3		48.1

Total debt		49.9		52.9
Customer deposits		55.8		55.0

Total debt and customer deposits	$	105.7	$	107.9

Management does not currently expect to make any significant changes to our funding programs in order to satisfy Basel III’s Liquidity Coverage Ratio (LCR) standard based upon our current understanding of the requirements, which may be subject to change as we receive additional clarification and implementation guidance from regulators relating to the requirements and as the interpretation of requirements evolves over time.

Our equity capital and funding strategies are designed, among other things, to maintain appropriate and stable unsecured debt ratings from the major credit rating agencies: Moody’s Investor Services (Moody’s), Standard & Poor’s (S&P), Fitch Ratings (Fitch) and Dominion Bond Rating Services (DBRS). Such ratings help support our access to cost-effective unsecured funding as part of our overall funding strategy. Our asset-backed securitization activities are rated separately.

Table 22: Unsecured Debt Ratings



Credit Agency	American Express Entity	Short-Term Ratings	Long-Term Ratings	Outlook

DBRS	All rated entities	R-1 (middle)	A (high)	Stable

Fitch	All rated entities	F1	A	Negative
Moody’s	TRS and rated operating subsidiaries^(a)	Prime-1	A2	Stable
Moody’s	American Express Company	Prime-2	A3	Stable
S&P	TRS and rated operating subsidiaries^{(a) (b)}	A-2	A-	Stable
S&P	American Express Company	A-2	BBB+	Stable

(a)	American Express Travel Related Services Company, Inc.

(b)	S&P does not provide a rating for TRS short-term debt.

Downgrades in the ratings of our unsecured debt or asset securitization program securities could result in higher funding costs, as well as higher fees related to borrowings under our unused lines of credit. Declines in credit ratings could also reduce our borrowing capacity in the unsecured debt and asset securitization capital markets. We believe our funding mix including the proportion of U.S. retail deposits insured by the Federal Deposit Insurance Corporation (FDIC), should reduce the impact that credit rating downgrades would have on our funding capacity and costs.


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Deposit Programs

We held the following deposits as of March 31, 2016 and December 31, 2015:

Table 23: Customer Deposits



		March 31,		December 31,
(Billions)		2016		2015

U.S. retail deposits:
Savings accounts — Direct	$	30.3	$	29.0
Certificates of deposit:^(a)
Direct		0.3		0.3
Third-party (brokered)		13.7		13.9
Sweep accounts — Third-party (brokered)		10.7		10.9
Other retail deposits:
Non-U.S. deposits and U.S. non-interest bearing		0.1		0.2
Card Member credit balances - U.S. and non-U.S.		0.7		0.7

Total customer deposits	$	55.8	$	55.0

(a)	The weighted average remaining maturity and weighted average rate at issuance on the total portfolio of U.S. retail CDs, issued through direct and third-party programs, were 28.2 months and 1.90 percent, respectively, as of March 31, 2016.

Asset Securitization Programs

We periodically securitize Card Member receivables and loans arising from our card business, as the securitization market provides us with cost-effective funding. Securitization of Card Member receivables and loans is accomplished through the transfer of those assets to a trust, which in turn issues securities collateralized by the transferred assets to third party investors. The proceeds from issuance are distributed to us, through our wholly owned subsidiaries, as consideration for the transferred assets.

The receivables and loans being securitized are reported as Card Member receivables and loans on our Consolidated Balance Sheets, with a portion also included in Card Member loans and receivables HFS, and the related securities issued to third-party investors are reported as long-term debt.

Under the respective terms of the securitization trust agreements, the occurrence of certain triggering events associated with the performance of the assets of each trust could result in payment of trust expenses, establishment of reserve funds, or in a worst-case scenario, early amortization of debt securities. During the three months ended March 31, 2016, no such triggering events occurred.

Liquidity Management

We incur liquidity risk that arises in the course of offering our products and services. Our liquidity objective is to maintain access to a diverse set of on- and off-balance sheet liquidity sources. We seek to maintain liquidity sources, even in the event we are unable to raise new funds under our regular funding programs during a substantial weakening in economic conditions, in amounts sufficient to meet our expected future financial obligations and our businesses’ requirements for liquidity for a period of at least twelve months. Our liquidity risk policy sets out our objectives and approach to managing liquidity risk.

The liquidity risks that we are exposed to could arise from a wide variety of scenarios. Our liquidity management strategy thus includes a number of elements, including, but not limited to:

•

Maintaining diversified funding sources (refer to the “Funding Strategy” section for more details);

•

Maintaining unencumbered liquid assets and off-balance sheet liquidity sources;

•

Projecting cash inflows and outflows under a variety of economic and market scenarios;

•

Establishing clear objectives for liquidity risk management, including compliance with regulatory requirements;

•

Incorporating liquidity risk management as appropriate into our capital adequacy framework.


		56

The amount and type of liquidity resources we maintain can vary over time, based upon the results of stress scenarios required under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and other regulatory measures of liquidity, such as the LCR, as well as additional stress scenarios required under our liquidity risk policy. The Company was in compliance with the liquidity requirements to which it is subject, including the LCR, for the three months ended March 31, 2016.

The investment income we receive on liquidity resources, such as cash, is less than the interest expense on the sources of funding for these balances. The net interest costs to maintain these resources have been substantial. The level of future net interest costs depends on the amount of liquidity resources we maintain and the difference between our cost of funding these amounts and their investment yields.

Securitized Borrowing Capacity

As of March 31, 2016, we maintained our committed, revolving, secured borrowing facility, with a maturity date of July 15, 2018, that gives us the right to sell up to $3.0 billion face amount of eligible AAA notes from the American Express Issuance Trust II (the Charge Trust together with the Lending Trust, the Trusts). We also maintained our committed, revolving, secured borrowing facility, with a maturity date of September 15, 2017, that gives us the right to sell up to $2.0 billion face amount of eligible AAA certificates from the Lending Trust. Both facilities are used in the ordinary course of business to fund seasonal working capital needs, as well as to further enhance our contingent funding resources. As of March 31, 2016, no amounts were drawn on the Charge Trust facility or the Lending Trust facility.

Federal Reserve Discount Window

As insured depository institutions, the Banks may borrow from the Federal Reserve Bank of San Francisco, subject to the amount of qualifying collateral that they may pledge. The Federal Reserve has indicated that both credit and charge card receivables are a form of qualifying collateral for secured borrowings made through the discount window. Whether specific assets will be considered qualifying collateral and the amount that may be borrowed against the collateral, remain at the discretion of the Federal Reserve.

We had approximately $54 billion as of March 31, 2016 in U.S. credit card loans and charge card receivables that could be sold over time through our securitization trusts or pledged in return for secured borrowings to provide further liquidity, subject in each case to applicable market conditions and eligibility criteria.

Committed Bank Credit Facilities

In addition to the secured borrowing facilities described earlier in this section, we maintained a committed syndicated bank credit facility as of March 31, 2016 of $3.0 billion, which expires on December 9, 2018. As of March 31, 2016, no amounts were drawn on this facility.

Certain Other Off-Balance Sheet Arrangements

As of March 31, 2016, we had approximately $306.7 billion of unused credit available to Card Members as part of established lending product agreements. Total unused credit available to Card Members does not represent potential future cash requirements, as a significant portion of this unused credit will likely not be drawn. Our charge card products generally have no pre-set limit, and therefore are not reflected in unused credit available to Card Members.


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Cash Flows

The following table summarizes our cash flow activity for the three months ended March 31, 2016.

Table 24: Cash Flows



(Billions)		2016		2015

Total cash provided by (used in):
Operating activities	$	2.5	$	2.1
Investing activities		3.7		2.8
Financing activities		(3.9)		(3.5)
Effect of foreign currency exchange rates on cash and cash equivalents and other		—		(0.1)

Net increase in cash and cash equivalents	$	2.3	$	1.3

Cash Flows from Operating Activities

Our cash flows from operating activities primarily include net income adjusted for (i) non-cash items included in net income and (ii) changes in the balances of operating assets and liabilities, which can vary significantly in the normal course of business due to the amount and timing of payments.

For the three months ended March 31, 2016 and 2015, net cash provided by operating activities was $2.5 billion and $2.1 billion, respectively, driven in both periods by net income of $1.4 billion and $1.5 billion, respectively, adjusted for non cash items including changes in provisions for losses, depreciation and amortization, deferred taxes, and stock-based compensation. The increase in the current period, as compared to the three months ended March 31, 2015, primarily resulted from offsetting impacts from movements in Other assets and Accounts payable and Other liabilities as a result of normal business operating activities.

Cash Flows from Investing Activities

Our cash flows from investing activities primarily include changes in Card Member receivables and loans, including Card Member loans and receivables HFS, as well as changes in our available for sale investment securities portfolio.

For the three months ended March 31, 2016, and 2015, net cash provided by investing activities was $3.7 billion and $2.8 billion, respectively. The increase in the current period, as compared to the three months ended March 31, 2015, was primarily driven by the sale of the JetBlue portfolio and a decrease in the remaining HFS portfolio balances.

Cash Flows from Financing Activities

Our cash flows from financing activities primarily include issuing and repaying debt, changes in customer deposits, issuing and repurchasing our common shares, and paying dividends.

For the three months ended March 31, 2016, and 2015, net cash used in financing activities was $3.9 billion and $3.5 billion, respectively. The increase in the current period, as compared to the three months ended March 31, 2015, primarily resulted from a higher net decrease in short-term borrowings and higher common share repurchases in the current year, partially offset by lower net long-term debt repayments in the current year, as compared to the same period in the prior year.


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OTHER MATTERS

Certain Legislative, Regulatory and Other Developments

As a participant in the financial services industry, and as a bank holding company, we are subject to comprehensive examination and supervision by the Federal Reserve and to a range of laws and regulations that impact our business and operations. In light of the current environment of additional regulation, enhanced supervision efforts and increased regulatory investigations and enforcement, compliance requirements and expenditures have risen for financial services firms, including us, and we expect compliance requirements and expenditures will continue to rise in the future.

In addition, legislators and regulators in various countries in which we operate have focused on the operation of card networks, including through antitrust actions, legislation and rules to change certain practices or pricing of card issuers, merchant acquirers and payment networks, and, in some cases, to establish broad and ongoing regulatory oversight regimes for payment systems. Regulators and legislators have focused on the fees merchants pay to accept cards, including the way bankcard network members collectively set the “interchange” (that is, the fee paid by the bankcard merchant acquirer to the card issuer in payment networks like Visa and MasterCard), as well as the rules, contract terms and practices governing merchant card acceptance. Although, unlike the Visa and MasterCard networks, the American Express network does not have interchange fees or collectively set fees or rules, antitrust actions and government regulation relating to merchant pricing or terms of merchant rules and contracts could affect all networks directly or indirectly, as well as adversely impact consumers and merchants. Among other things, lower interchange and/or merchant discount revenue may lead card issuers to look for other sources of revenue from consumers such as higher annual card fees or interest charges, as well as to reduce costs by scaling back or eliminating rewards, services or benefits to cardholders and merchants. Broad regulatory oversight over payment systems can also include, in some cases, requirements for international card networks to localize aspects of their operations, such as processing infrastructure, which could increase our costs and diminish the value of our closed loop. The development and enforcement of payment system regulatory regimes generally continue to grow and may adversely affect our ability to compete effectively and maintain and extend our global network.

In certain countries, such as Australia and certain Member States in the EU, merchants are permitted by law to surcharge card purchases. While surcharging continues to be actively considered in certain jurisdictions, the benefits to customers have not been apparent in countries that have allowed it, and in some cases regulators are addressing concerns about excessive surcharging by merchants. Surcharging, particularly where it disproportionately impacts American Express Card Members, which is known as differential surcharging, as well as other steering practices that are permitted by regulation in some countries could have a material adverse effect on us if it becomes widespread. The Reserve Bank of Australia allows us and other networks to limit a merchant’s right to surcharge to “the reasonable cost of card acceptance.” In the EU, in those Member States that permit surcharging, the Consumer Rights Directive prohibits merchants from surcharging card purchases more than the merchants’ cost of acceptance.

European Union Payments Legislation

In 2015, the European Union adopted legislation in two parts, covering a wide range of topics across the payments industry. The first part was an EU-wide regulation on interchange fees (the Interchange Fee Regulation); the second consisted of revisions to the Payment Services Directive (the PSD2).

The Interchange Fee Regulation was formally adopted in April 2015. The substantive terms as adopted include the following:

•

Price caps – Interchange fees on consumer card transactions in the EU are capped as of December 2015, generally at 20 basis points for debit and prepaid cards and 30 basis points for credit and charge


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cards, with the possibility of lower caps in some instances. Although we do not have interchange fees and “three party” networks such as American Express are exempt from the application of the caps, the regulation provides that “three party” networks should be treated as “four party” networks (such as Visa and MasterCard, which have interchange fees) when they license third party providers to issue cards and/or acquire merchants or when they issue cards with a cobrand partner or through an agent. This means, for example, the caps will apply to elements of the financial arrangements agreed to between us and each of our GNS partners in the EU, which may undermine our ability to attract and retain GNS partners. While the discount rates we agree to with merchants are not capped, the interchange caps have exerted, and will likely continue to exert, downward pressures on merchant fees across the industry, including our discount rates. We have brought a legal challenge and seek a ruling from the EU Court of Justice to invalidate the application of price caps in circumstances where three party networks issue cards with a cobrand partner or through an agent. The Interchange Fee Regulation excludes commercial card transactions from the scope of the caps.

•

Card acceptance terms –“Anti-steering” and honor-all-cards rules across all card networks, including non-discrimination and honor-all-cards provisions in our card acceptance agreements, are prohibited with some exceptions. Removal of these provisions creates significant risk of customer confusion and Card Member dissatisfaction, which would result in harm to the American Express brand. The prohibition on “anti-steering rules” took effect immediately upon effectiveness of the regulation; the prohibition on honor-all-cards rules takes effect in June 2016.

•

Network licensing – In December 2015, the geographic scope of the network licenses that we agree to with our GNS partners in the EU was amended to cover the entire EU in order to meet the requirements of the regulation. This allows GNS partners to actively pursue their American Express business throughout the EU, including countries where we or other GNS partners are present, and may undermine the value of licenses granted to some GNS partners to date, which have been subject to varying levels of exclusivity to incentive development of the American Express business in relation to a particular country.

•

Separation of network processing – From June 2016, card networks will be required to separate their network processing functions (in which transactions between different issuers and acquirers are processed for authorization, clearing and settlement). This provision does not generally apply to “three party” payment networks, such as American Express, but may be deemed applicable, for example, where a different GNS issuer and acquirer is involved in a transaction, which represent a very small percentage of transactions on our network.

•

Co-badging of cards – From June 2016, a single card may bear the brand of multiple networks and be used to process transactions on any of those networks. Merchants may install automatic mechanisms in point-of-sale equipment to prioritize selection of a particular network, subject to override by the cardholder. These provisions may harm the American Express brand insofar as GNS issuing partners will be able to offer multiple networks on a single card and merchants may program their point-of-sale equipment to prioritize selection of another network on such cards.

The PSD2 was adopted on November 25, 2015, and was published in the Official Journal of the European Union on December 23, 2015. Each Member State has until January 2018 to transpose the PSD2 into national law.

Among other terms, the published text of PSD2 includes provisions that will (i) further regulate surcharging so that transactions falling in scope of the interchange caps could not be surcharged, but transactions falling outside the scope of the caps could be surcharged up to cost, subject potentially to the decision of an individual Member State to prohibit surcharging altogether; and (ii) require all networks, including “three party” payment networks that operate with licensing arrangements, such as our GNS business, to establish objective, proportionate and non-discriminatory criteria under which a financial institution may access the network, for example, as a licensed issuer or acquirer. The potential surcharging regulation may increase instances of differential surcharging of our cards, prompt customer and merchant confusion as to which transactions may be surcharged and lead to Card Member dissatisfaction. The access requirements will undermine the flexibility and discretion we have had to date in deciding with whom to partner in our GNS business and, together with requirements in the Interchange Fee Regulation, may undermine the value of our GNS business in Europe.


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Australia Payments Regulation

Following a formal review of the regulatory framework for card payments in Australia, the Reserve Bank of Australia published a consultation paper on December 3, 2015, proposing new regulations, including the following:

•

Interchange caps – the interchange fee paid on Visa and MasterCard credit transactions must not exceed a weighted-average benchmark of 0.50 percent across all transactions, with a maximum interchange fee cap of 0.80 percent for each individual credit card transaction.

•

The inclusion of our GNS business in Australia under interchange regulation, which would subject GNS payments to bank partners to the same interchange caps and regulations that apply to Visa and MasterCard credit card transactions in Australia.

•

Broadening the definition of interchange fees to include any fees paid by networks to card-issuing banks as incentives to issue cards as well as any other net payments made to card issuers.

•

Increasing the frequency of periodic weighted-average benchmark calculations from every three years to quarterly, and including all transactions at Australian merchants in benchmark calculations (thereby capturing foreign-issued cards, which had previously been excluded).

•

Changing the rules on merchant surcharging to limit surcharging to the actual costs of card acceptance paid to the merchant acquirer, as recorded on the merchant statement issued by the merchant acquirer.

The industry consultation process is now complete. The Reserve Bank of Australia is expected to publish its final amended standards and consultation findings, together with implementation timeframes, by mid-2016.

Dodd-Frank Wall Street Reform and Consumer Protection Act

Dodd-Frank contains a wide array of provisions intended to govern the practices and oversight of financial institutions and other participants in the financial markets. Among other matters, the law created an independent Consumer Financial Protection Bureau (the CFPB), which has broad rulemaking authority over providers of credit, savings, payment and other consumer financial products and services with respect to certain federal consumer financial laws. Moreover, the CFPB has examination and enforcement authority with respect to certain federal consumer financial laws for providers of consumer financial products and services, including certain of our subsidiaries. The CFPB is directed to prohibit “unfair, deceptive or abusive” acts or practices, and to ensure that all consumers have access to fair, transparent and competitive markets for consumer financial products and services.

The review of products and practices to prevent unfair, deceptive or abusive conduct will be a continuing focus of the CFPB and regulators more broadly, as well as our own internal reviews. Internal and regulatory reviews have resulted in, and are likely to continue to result in, changes to our practices, products and procedures. Such reviews are also likely to continue to result in increased costs related to regulatory oversight, supervision and examination, and additional restitution to our Card Members and may result in additional regulatory actions, including civil money penalties.

On October 7, 2015, the CFPB announced a proposal that would, among other changes, require that our consumer arbitration clause not apply to cases filed in court as class actions, unless and until class certification is denied or the class claims are dismissed. This proposal is the beginning of a rulemaking process that may not result in a final rule, if any, becoming effective before 2018.


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Antitrust Litigation

The U.S. DOJ and certain states’ attorneys general brought an action against us in 2010 alleging that the provisions in our card acceptance agreements with merchants that prohibit merchants from engaging in various actions to discriminate against our card products violate the U.S. antitrust laws. The trial court has ruled that the challenged provisions violate U.S. antitrust laws and issued an injunction, effective July 20, 2015, prohibiting us from enforcing certain elements of such provisions in the United States. We appealed this judgment and on December 18, 2015, the Court of Appeals for the Second Circuit stayed the trial court’s judgment pending the issuance of its appellate decision. We are also vigorously defending similar antitrust claims initiated by merchants in other court and arbitration proceedings. See Part I, Item 3. “Legal Proceedings” in our Annual Report on Form 10-K for the year ended December 31, 2015 (the 2015 Form 10-K) for descriptions of the DOJ action and related cases. It is possible that significantly increased merchant steering or other actions impairing the Card Member experience, or the resolution of one or any combination of these merchant claims for damages, could have a material adverse effect on our business. See Part I, Item 1A, “Risk Factors” in the 2015 Form 10-K for information on the potential impacts of an adverse decision in the DOJ case and related merchant litigations on our business.

Recently Issued Accounting Standards

Refer to the Recently Issued Accounting Standards section of Note 1 to the Consolidated Financial Statements.

Glossary of Selected Terminology

Adjusted net interest income — Represents net interest income attributable to our Card Member loans and loans HFS, including interest that is deemed uncollectible; excludes the impact of interest expense and interest income not attributable to our Card Member loans.

Asset securitizations — Asset securitization involves the transfer and sale of receivables or loans to a special-purpose entity created for the securitization activity, typically a trust. The trust, in turn, issues securities, commonly referred to as asset-backed securities that are secured by the transferred receivables or loans. The trust uses the proceeds from the sale of such securities to pay the purchase price for the underlying receivables or loans. The receivables and loans of our Charge Trust and Lending Trust being securitized are reported as assets, and the securities issued by the Trusts are reported as liabilities on our Consolidated Balance Sheets.

Average discount rate — This calculation is generally designed to reflect pricing at merchants accepting general-purpose American Express cards. It represents the percentage of billed business (generated from both proprietary and GNS Card Member spending) retained by us from merchants we acquire, or for merchants acquired by a third party on our behalf, net of amounts retained by such third party.

Basic cards-in-force — Proprietary basic consumer cards-in-force includes basic cards issued to the primary account owner, (i.e., not including additional supplemental cards issued on accounts). Proprietary basic small business and corporate cards-in-force includes both basic and supplemental cards issued. Non-proprietary basic cards-in-force includes cards that are issued and outstanding under network partnership agreements, except for supplemental cards and retail cobrand Card Member accounts which have had no out-of-store spending activity during the prior 12-month period.

Billed business — Includes activities (including cash advances) related to proprietary cards, cards issued under network partnership agreements (non-proprietary billed business), corporate payment services and certain insurance fees charged on proprietary cards. In-store spending activity within retail cobrand portfolios in GNS, from which we earn no revenue, is not included in non-proprietary billed business. Card billed business is included in the United States or outside the United States based on where the issuer is located.


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Capital ratios — Represents the minimum standards established by the regulatory agencies as a measure to determine whether the regulated entity has sufficient capital to absorb on- and off-balance sheet losses beyond current loss accrual estimates. Refer to the Capital Strategy section under “Consolidated Capital Resources and Liquidity” for further related definitions under Transitional Basel III and Fully Phased-in Basel III.

Card Member — The individual holder of an issued American Express-branded charge, credit and certain prepaid cards.

Card Member loans — Represents the outstanding amount due from Card Members for charges made on their American Express credit cards, as well as any interest charges and card-related fees. Card Member loans also include revolving balances on certain American Express charge card products.

Card Member loans and receivables HFS — Beginning as of December 1, 2015 and continuing until a sale is completed, represents Card Member loans and receivables related to our cobrand partnerships with Costco in the United States and JetBlue (the JetBlue sale was completed on March 18, 2016).

Card Member receivables — Represents the outstanding amount due from Card Members for charges made on their American Express charge cards, as well as any card-related fees.

Charge cards — Represents cards that generally carry no pre-set spending limits and are primarily designed as a method of payment and not as a means of financing purchases. Charge Card Members generally must pay the full amount billed each month. No finance charges are assessed on charge cards. Each charge card transaction is authorized based on its likely economics reflecting a Card Member’s most recent credit information and spend patterns. Some charge card accounts have an additional lending-on-charge feature that allows revolving certain balances.

Credit cards — Represents cards that have a range of revolving payment terms, grace periods, and rate and fee structures.

Discount revenue — Represents revenue earned from fees generally charged to merchants who have entered into a card acceptance agreement. The discount fee generally is deducted from our payment for Card Member purchases. Discount revenue is reduced by incentive payments made to merchants, payments to third-party card issuing partners, cash-back reward costs and statement credits, corporate incentive payments and other similar items.

Interest expense — Includes interest incurred primarily to fund Card Member receivables and loans, general corporate purposes and liquidity needs, and is recognized as incurred. Interest expense is divided principally into two categories: (i) deposits, which primarily relates to interest expense on deposits taken from customers and institutions, and (ii) debt, which primarily relates to interest expense on our long-term financing and short-term borrowings, (e.g., commercial paper, federal funds purchased, bank overdrafts and other short-term borrowings), as well as the realized impact of derivatives hedging interest rate risk on our long-term debt.

Interest income — Includes (i) interest on loans, (ii) interest and dividends on investment securities and (iii) interest income on deposits with banks and other.

Interest on loans — Assessed using the average daily balance method for Card Member loans and loans HFS. Unless the loan is classified as non-accrual, interest is recognized based upon the principal amount outstanding in accordance with the terms of the applicable account agreement until the outstanding balance is paid or written off.

Interest and dividends on investment securities — Primarily relates to our performing fixed-income securities. Interest income is recognized as earned using the effective interest method, which adjusts the yield for security premiums and discounts, fees and other payments, so a constant rate of return is recognized on the outstanding balance of the related investment security throughout its term. Amounts are recognized until securities are in default or when it is likely that future interest payments will not be made as scheduled.

Interest income on deposits with banks and other — Recognized as earned, and primarily relates to the placement of cash in excess of near-term funding requirements in interest-bearing time deposits, overnight sweep accounts, and other interest-bearing demand and call accounts.

Liquidity Coverage Ratio — Represents the proposed minimum standards being established by the regulatory agencies as a measure to determine whether the regulated entity has sufficient liquidity to meet liquidity needs in periods of financial and economic stress.

Merchant acquisition — Represents our process of entering into agreements with merchants to accept American Express-branded cards.


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Net card fees — Represents the card membership fees earned during the period. These fees are recognized as revenue over the covered card membership period (typically one year), net of the provision for projected refunds for Card Membership cancellation and deferred acquisition costs.

Net interest yield on Card Member loans — Net interest yield on Card Member loans is computed by dividing adjusted net interest income by average loans, computed on an annualized basis. The calculation of net interest yield on Card Member loans includes interest that is deemed uncollectible. Reserves and net write-offs related to uncollectible interest are recorded through provisions for losses, which are not included in the net interest yield calculation.

Net loss ratio — Represents the ratio of GCP charge card write-offs, consisting of principal (resulting from authorized transactions) and fee components, less recoveries, on Card Member receivables expressed as a percentage of gross amounts billed to corporate Card Members.

Net write-off rate — principal only — Represents the amount of proprietary consumer or small business Card Member loans or receivables written off, consisting of principal (resulting from authorized transactions), less recoveries, as a percentage of the average loan or receivables balance during the period.

Net write-off rate — principal, interest and fees — Includes, in the calculation of the net write-off rate, amounts for interest and fees in addition to principal for Card Member loans and fees in addition to principal for Card Member receivables.

Operating expenses — Represents salaries and employee benefits, professional services, occupancy and equipment, communications and other expenses.

Return on average equity — Calculated by dividing one-year period net income by one-year average total shareholders’ equity.

Return on average segment capital — Calculated by dividing one-year period segment income by one-year average segment capital.

Return on average tangible segment capital — Computed in the same manner as the return on average segment capital, except the computation of average tangible segment capital excludes from average segment capital, average goodwill and other intangibles.

Segment capital — Represents the capital allocated to a segment based upon specific business operational needs, risk measures, and regulatory capital requirements.

Total cards-in-force — Represents the number of cards that are issued and outstanding. Non-proprietary cards-in-force includes all cards that are issued and outstanding under network partnership agreements, except for retail cobrand Card Member accounts which have no out-of-store spending activity during the prior 12-month period.


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ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Market risk is the risk to earnings or asset and liability values resulting from movements in market prices. Our market risk exposures include (i) interest rate risk due to changes in the relationship between interest rates on our assets (such as loans, receivables and investment securities) and on our liabilities (such as debt and deposits); and (ii) foreign exchange risk related to earnings, transactions and investments in currencies other than the U.S. dollar. There were no material changes in these market risks since December 31, 2015.

ITEM 4. CONTROLS AND PROCEDURES

Our management, with the participation of our Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of our disclosure controls and procedures (as such term is defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the Exchange Act)) as of the end of the period covered by this report. Based on such evaluation, our Chief Executive Officer and Chief Financial Officer have concluded that, as of the end of such period, our disclosure controls and procedures are effective and designed to ensure that the information required to be disclosed in our reports filed or submitted under the Exchange Act is recorded, processed, summarized and reported within the requisite time periods specified in the applicable rules and forms, and that it is accumulated and communicated to our management, including our Chief Executive Officer and Chief Financial Officer, as appropriate, to allow timely decisions regarding required disclosure.

There have not been any changes in our internal control over financial reporting (as such term is defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) during the fiscal quarter to which this report relates that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

Cautionary Note Regarding Forward-looking Statements

This report includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are subject to risks and uncertainties. The forward-looking statements, which address our expected business and financial performance, among other matters, contain words such as “believe,” “expect,” “estimate,” “anticipate,” “intend,” “plan,” “aim,” “will,” “may,” “should,” “could,” “would,” “likely,” and similar expressions. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. We undertake no obligation to update or revise any forward-looking statements. Factors that could cause actual results to differ materially from these forward-looking statements, include, but are not limited to, the following:

•

our ability to grow in the future, as well as our earnings expectations for the second quarter and second half of 2016, which will depend in part on the following: an acceleration of billed business and revenue growth above the level generated in 2015, which could be impacted by, among other things, weakening economic conditions in the United States or internationally, a decline in consumer confidence impacting the willingness and ability of Card Members to sustain spending, a further decline in airfare and gas prices, a further strengthening of the U.S. dollar, a greater erosion of the average discount rate than expected, a greater impact on discount revenue from cash back, GNS volumes and cobrand partner and client incentive payments, continued cautious spending by large and global corporate Card Members and lower spending on new cards acquired than estimated; our success in addressing competitive pressures and implementing strategies and business initiatives, including growing profitable spending from new and existing Card Members, increasing penetration among middle market and small business clients, expanding our international footprint, growing loyalty coalitions and increasing merchant acceptance; the timing and impact of the expected sale of the Costco U.S. Card Member loan portfolio; realizing incremental economics associated with the Costco U.S. contract


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extension, which could be impacted by, among other things, Card Member behavior, including the desire of Costco U.S. Card Members to continue to use their Costco U.S. cobrand cards and the availability to those Card Members of other payment forms; the impact of any potential restructuring charges or other contingencies, including, but not limited to, litigation-related expenses, impairments, the imposition of fines or civil money penalties, an increase in Card Member reimbursements and changes in reserves; credit performance remaining in line with current expectations; continued growth of Card Member loans held for investment; the ability to continue to realize benefits from restructuring actions and operating leverage at levels consistent with current expectations; the amount we spend on growth initiatives; changes in interest rates beyond current expectations; the impact of regulation and litigation, which could affect the profitability of our business activities, limit our ability to pursue business opportunities, require changes to business practices or alter our relationships with partners, merchants and Card Members; our tax rate remaining in line with current expectations, which could be impacted by, among other things, our geographic mix of income being weighted more to higher tax jurisdictions than expected and unfavorable tax audits and other unanticipated tax items; the impact of accounting changes and reclassifications; and our ability to continue executing the share repurchase program;

•

the actual amount to be spent on growth initiatives, as well as the timing of any such spending, which will be based in part on management’s assessment of competitive opportunities, overall business performance, the amount of any potential gain arising from the sale of the Costco U.S. Card Member loan portfolio management decides to invest in the business, contractual obligations with business partners and other fixed costs relative to revenue levels, management’s ability to identify attractive investment opportunities and make such investments, which could be impacted by business, regulatory or legal complexities and our performance, and our ability to realize efficiencies, optimize investment spending and control expenses to fund such spending;

•

our ability to reduce our overall cost base by $1 billion by the end of 2017, which will depend in part on the timing and financial impact of future reengineering plans (including whether we will recognize restructuring charges in future periods), which could be impacted by factors such as our inability to mitigate the operational and other risks posed by potential staff reductions, our inability to develop and implement technology resources to realize cost savings, underestimating hiring needs related to some of the job positions being eliminated and other employee needs not currently anticipated, lower than expected attrition rates and higher than expected redeployment rates; our ability to identify synergies and redundancies within our organizational structure, as well as reduce management layers; our ability to reduce annual operating expenses, which could be impacted by, among other things, the factors identified below; and our ability to optimize and lower marketing and promotion expenses, which could be impacted by higher advertising and mailing costs, competitive pressures that may require additional expenditures or limit our ability to reduce costs, the availability of opportunities to invest at a higher level due to favorable business results and changes in macroeconomic conditions;

•

the ability to reduce annual operating expenses, which could be impacted by increases in significant categories of operating expenses, such as consulting or professional fees, including as a result of increased litigation, compliance or regulatory-related costs, technology costs or fraud costs; our ability to develop, implement and achieve substantial benefits from reengineering plans; higher than expected employee levels; the impact of changes in foreign currency exchange rates on costs; the payment of civil money penalties, disgorgement, restitution, non-income tax assessments and litigation-related settlements; impairments of goodwill or other assets; management’s decision to increase or decrease spending in such areas as technology, business and product development and sales forces depending on overall business performance; greater than expected inflation or merit increases; our ability to balance expense control and investments in the business; the impact of accounting changes and reclassifications; and the level of M&A activity and related expenses;


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•

our lending write-off rates changing differently than current expectations and provision expense being higher or lower than current expectations, which will depend in part on changes in the level of loan balances, delinquency rates of Card Members, loans related to new Card Members performing as expected, unemployment rates, the volume of bankruptcies and recoveries of previously written-off loans;

•

our ability to execute against our lending strategy and grow Card Member loans held for investment as well as merchant financing and other non-card loans, without changing the overall risk profile of the Company, which may be affected by increasing competition, brand perceptions and reputation, our ability to manage risk in a growing Card Member loan portfolio, and the behavior of Card Members and their actual spending and borrowing patterns, which in turn may be driven by our ability to issue new and enhanced card products, offer attractive services and rewards programs, attract new Card Members, reduce Card Member attrition and capture a greater share of existing Card Members’ spending and borrowings;

•

uncertainties associated with the impact and timing of the expected sale of the Costco U.S. Card Member loan portfolio and the corresponding extension of the merchant acceptance agreement, such as operational issues related to the transfer of Card Member loans and accounts, the parties’ ability to satisfy the closing conditions and the amount of any gain we recognize as a result of a sale, which could be impacted by the credit quality and performance of the portfolio, the amount of any volume decline experienced by the cobrand portfolio and the timing of the potential sale as the gain will be determined by the amount of the aggregate outstanding loans transferred at closing;

•

the erosion of the average discount rate by a greater amount than anticipated during 2016 and beyond, including as a result of changes in the mix of spending by location and industry, merchant incentives and concessions, volume-related pricing discounts, strategic investments, certain pricing initiatives, competition, pricing regulation (including regulation of competitors’ interchange rates in the European Union and elsewhere) and other factors;

•

the possibility that we will not fully execute on our plans for OptBlue to significantly increase merchant coverage, which will depend in part on the success of OptBlue merchant acquirers in signing merchants to accept American Express, which could be impacted by the pricing set by the merchant acquirers, the value proposition offered to small merchants and the efforts of OptBlue merchant acquirers to sign merchants for American Express acceptance, as well as the willingness of Card Members to use American Express cards at small merchants and of those merchants to accept American Express cards;

•

uncertainty relating to the ultimate outcome of the antitrust lawsuit filed against us by the DOJ and certain state attorneys general, including the success or failure of our appeal and the impact on existing private merchant cases and potentially additional litigation and/or arbitrations;

•

changes affecting our ability or desire to return capital to shareholders through dividends and share repurchases, including the opportunity for incremental capital returns related to the Costco U.S. portfolio sale, which will depend on factors such as approval of our capital plans by our primary regulators, the amount we spend on acquisitions and results of operations and capital needs in any given period;

•

changes in global economic and business conditions, including consumer and business spending, the availability and cost of capital, unemployment and political conditions, all of which may significantly affect spending on American Express cards, delinquency rates, loan balances and other aspects of our business and results of operations;


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•

changes in capital and credit market conditions, including sovereign creditworthiness, which may significantly affect our ability to meet our liquidity needs, expectations regarding capital and liquidity ratios, access to capital and cost of capital, including changes in interest rates; changes in market conditions affecting the valuation of our assets; or any reduction in our credit ratings or those of our subsidiaries, which could materially increase the cost and other terms of our funding, restrict our access to the capital markets or result in contingent payments under contracts;

•

legal and regulatory developments wherever we do business, including with regard to broad payment system regulatory regimes, such as in Europe and Australia, consumer financial product protection actions by the CFPB and other regulators and the stricter regulation of large, interconnected financial institutions, which could make fundamental changes to many of our business practices or materially affect our capital or liquidity requirements, results of operations, or ability to pay dividends or repurchase our stock; potential actions by the FDIC and credit rating agencies applicable to securitization trusts, which could impact our ABS program; or potential changes to the taxation of our businesses, the allowance of deductions for significant expenses, or the incidence of consumption taxes on our transactions, products and services;

•

changes in the substantial and increasing worldwide competition in the payments industry, including competitive pressure that may impact the prices we charge merchants that accept our cards, competition for cobrand relationships and the success of marketing, promotion or rewards programs;

•

changes in the financial condition and creditworthiness of our business partners, such as bankruptcies, restructurings or consolidations, involving merchants that represent a significant portion of our business, such as the airline industry, or our partners in GNS or financial institutions that we rely on for routine funding and liquidity, which could materially affect our financial condition or results of operations;

•

our ability to maintain and expand our presence in the digital payments space, including online and mobile channels, which will depend on our success in evolving our business models and processes for the digital environment, building partnerships and executing programs with companies, and utilizing digital capabilities that can be leveraged for future growth; and

•

factors beyond our control such as fire, power loss, disruptions in telecommunications, severe weather conditions, natural disasters, health pandemics, terrorism, cyber attacks or fraud, which could significantly affect spending on American Express cards, delinquency rates, loan balances and travel-related spending or disrupt our global network systems and ability to process transactions.

A further description of these uncertainties and other risks can be found in the 2015 Form 10-K and our other reports filed with the Securities and Exchange Commission.


		68

PART II. OTHER INFORMATION

ITEM 1. LEGAL PROCEEDINGS

In the ordinary course of business, we and our subsidiaries are subject to various claims, investigations, examinations, pending and potential legal actions, and other matters relating to compliance with laws and regulations (collectively, “legal proceedings”). We believe we have meritorious defenses to each of these legal proceedings and intend to defend them vigorously. Some of these proceedings are at preliminary stages and seek an indeterminate amount of damages.

We believe we are not a party to, nor are any of our properties the subject of, any legal proceeding that would have a material adverse effect on our consolidated financial condition or liquidity. However, in light of the uncertainties involved in such matters, it is possible that the outcome of legal proceedings, including the possible resolution of merchant claims described in our 2015 Form 10-K, could have a material impact on our results of operations. In addition, it is possible that significantly increased merchant steering or other actions impairing the Card Member experience as a result of the DOJ case described in our 2015 Form 10-K could have a material adverse effect on our business. Certain legal proceedings involving us or our subsidiaries are further described in this section and others, for which there have been no subsequent material developments since the filing of our 2015 Form 10-K, are described in such report.

For those legal proceedings described in this section and in the 2015 Form 10-K where a loss is reasonably possible in future periods, whether in excess of a related reserve for legal contingencies or where there is no such reserve, and for which we are able to estimate a range of possible loss, the current estimated range is zero to $350 million in excess of any reserves related to those matters. This range represents our estimate based on currently available information and does not represent our maximum loss exposure; actual results may vary significantly. As such proceedings evolve, including the merchant claims, we may need to increase our range of possible loss or reserves for legal contingencies. For additional information, see Note 8 to our Consolidated Financial Statements.

We are a defendant in a class action captioned Kaufman v. American Express Travel Related Services, which was filed on February 14, 2007, and is pending in the United States District Court for the Northern District of Illinois. Plaintiffs’ principal allegation is that our gift cards violated consumer protection statutes because consumers allegedly had difficulty spending small residual amounts on the gift cards prior to the imposition of monthly service fees. The Court preliminarily certified a settlement class consisting of (with some exceptions) “all purchasers, recipients and holders of all gift cards issued by American Express from January 1, 2002 through the date of preliminary approval of the settlement.” On March 2, 2016, the court granted final approval of the class-wide settlement. Notices of appeal have been filed.

On July 30, 2015, plaintiff Plumbers and Steamfitters Local 137 Pension Fund, on behalf of themselves and other purchasers of American Express stock, filed a suit, captioned Plumbers and Steamfitters Local 137 Pension Fund v. American Express Co., Kenneth I. Chenault and Jeffrey C. Campbell, for violation of federal securities law, alleging that the Company deliberately issued false and misleading statements to, and omitted important information from, the public relating to the financial importance of the Costco cobrand relationship to the Company, including, but not limited to, the decision to accelerate negotiations to renew the cobrand agreement. The plaintiff seeks damages and injunctive relief. The Company moved to dismiss the amended complaint on March 21, 2016.

On October 16, 2015, a putative class action, captioned Houssain v. American Express Company, et al., was filed in the United States District Court for the Southern District of New York against the Company and certain officers of the Company under the Employee Retirement Income Security Act of 1974 (“ERISA”) relating to disclosures of the Costco cobrand relationship. The complaint alleges that the defendants violated certain ERISA obligations by: allowing the investment of American Express Retirement Savings Plan (“Plan”) assets in American Express common stock when American Express common stock was not a prudent investment; misrepresenting and failing to disclose material facts to Plan participants in connection with the administration of the Plan; and breaching certain fiduciary obligations. The suit seeks, among other remedies, an unspecified amount of damages. The Company moved to dismiss the complaint on April 20, 2016.


		69

On March 8, 2016, plaintiffs B&R Supermarket, Inc. d/b/a Milam’s Market and Grove Liquors LLC, on behalf of themselves and others, filed a suit, captioned B&R Supermarket, Inc. d/b/a Milam’s Market, et al. v. Visa Inc., et al., for violations of the Sherman Antitrust Act, the Clayton Antitrust Act, California’s Cartwright Act and unjust enrichment in the United States District Court for the Northern District of California, against American Express Company, other credit and charge card networks, other issuing banks and EMVCo, LLC. Plaintiffs allege that the defendants, through EMVCo, conspired to shift liability for fraudulent, faulty and otherwise rejected consumer credit card transactions from themselves to merchants after the implementation of EMV chip payment terminals. Plaintiffs seek damages and injunctive relief. On April 18, 2016, the Company filed a motion to compel arbitration and change venue and jointly moved with co-defendants to dismiss the complaint.

ITEM 1A. RISK FACTORS

For a discussion of our risk factors, see Part I, Item 1A. “Risk Factors” of the 2015 Form 10-K. There are no material changes from the risk factors set forth in the 2015 Form 10-K. However, the risks and uncertainties that we face are not limited to those set forth in the 2015 Form 10-K. Additional risks and uncertainties not presently known to us or that we currently believe to be immaterial may also adversely affect our business and the trading price of our securities.


		70

ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

(c) ISSUER PURCHASES OF SECURITIES

The table below sets forth the information with respect to purchases of the Company’s common stock made by or on behalf of the Company during the three months ended March 31, 2016.

Maximum

Total Number

Number

of Shares

of Shares that

Purchased as

May Yet Be

Total Number

Part of Publicly

Purchased Under

of Shares

Average Price

Announced Plans

the Plans or

Purchased

Paid Per Share

or Programs

^(c)

Programs

January 1-31, 2016

Repurchase program^(a)

2,850,400

$54.58

2,850,400

102,794,901

Employee transactions^(b)

1,041,904

$53.82

N/A

February 1-29, 2016

Repurchase program^(a)

9,008,295

$53.81

9,008,295

93,786,606

Employee transactions^(b)

75,139

$54.57

N/A

March 1-31, 2016

Repurchase program^(a)

8,055,672

$59.37

8,055,672

85,730,934

Employee transactions^(b)

$62.79

N/A

Total

Repurchase program^(a)

19,914,367

$56.17

19,914,367

85,730,934

Employee transactions^(b)

1,117,115

$53.87

N/A

(a)

On May 12, 2015, the Company announced the authorization to repurchase up to 150 million shares of common stock from time to time, in accordance with the capital distribution plans approved by the Federal Reserve and subject to market conditions. The authorization replaced the prior repurchase authorization and does not have an expiration date.

(b)

Includes: (i) shares surrendered by holders of employee stock options who exercised options (granted under the Company’s incentive compensation plans) in satisfaction of the exercise price and/or tax withholding obligation of such holders and (ii) restricted shares withheld (under the terms of grants under the Company’s incentive compensation plans) to offset tax withholding obligations that occur upon vesting and release of restricted shares. The Company’s incentive compensation plans provide that the value of the shares delivered or attested to, or withheld, be based on the price of the Company’s common stock on the date the relevant transaction occurs.

(c)	Share purchases under publicly announced programs are made pursuant to open market purchases or privately negotiated transactions (including employee benefit plans) as market conditions warrant and at prices the Company deems appropriate.


		71

ITEM 5. OTHER INFORMATION

Pursuant to Section 219 of the Iran Threat Reduction and Syria Human Rights Act of 2012, which added Section 13(r) to the Exchange Act, an issuer is required to disclose in its annual or quarterly reports, as applicable, whether it or any of its affiliates knowingly engaged in certain activities, transactions or dealings relating to Iran or with individuals or entities designated pursuant to certain Executive Orders. Disclosure is generally required even where the activities, transactions or dealings were conducted outside the United States by non-U.S. affiliates in compliance with applicable law, and whether or not the activities are sanctionable under U.S. law.

During the first quarter of 2016, American Express Global Business Travel booked 10 reservations at hotels that may be owned, directly or indirectly, or may otherwise affiliated with, the Government of Iran. In addition, American Express Global Business Travel obtained approximately 20 visas from Iranian embassies and consulates around the world during the first quarter of 2016 in connection with certain travel arrangements on behalf of American Express Global Business Travel clients. American Express Global Business Travel had negligible gross revenues and net profits attributable to these transactions. American Express Global Business Travel believes these transactions were permissible pursuant to certain exemptions from U.S. sanctions for travel-related transactions under the International Emergency Economic Powers Act, as amended. American Express Global Business Travel has informed us that it intends to continue to engage in these activities on a limited basis so long as such activities are permitted under U.S. law.

In addition, a travel company that may be considered an affiliate of ours, American Express Nippon Travel Agency, Inc. (“Nippon Travel Agency”), has informed us that during the first quarter of 2016 it obtained 40 visas from the Iranian embassy in Japan in connection with certain travel arrangements on behalf of clients. Nippon Travel Agency had negligible gross revenues and net profits attributable to these transactions. Nippon Travel Agency has informed us that it intends to continue to engage in this activity so long as such activity is permitted under U.S. law.

ITEM 6. EXHIBITS

The list of exhibits required to be filed as exhibits to this report are listed on page E-1 hereof, under “Exhibit Index” which is incorporated herein by reference.


		72

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.


	AMERICAN EXPRESS COMPANY
	(Registrant)

Date: April 27, 2016	By	/s/ Jeffrey C. Campbell
		Jeffrey C. Campbell
		Executive Vice President and
		Chief Financial Officer

Date: April 27, 2016	By	/s/ Linda Zukauckas
		Linda Zukauckas
		Executive Vice President and
		Corporate Comptroller
		(Principal Accounting Officer)


		73

EXHIBIT INDEX

The following exhibits are filed as part of this Quarterly Report:


Exhibit		Description
12		Computation in Support of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

31.1		Certification of Kenneth I. Chenault pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended.

31.2		Certification of Jeffrey C. Campbell pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended.

32.1		Certification of Kenneth I. Chenault pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

32.2		Certification of Jeffrey C. Campbell pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

101.INS		XBRL Instance Document

101.SCH		XBRL Taxonomy Extension Schema Document

101.CAL		XBRL Taxonomy Extension Calculation Linkbase Document

101.LAB		XBRL Taxonomy Extension Label Linkbase Document

101.PRE		XBRL Taxonomy Extension Presentation Linkbase Document

101.DEF		XBRL Taxonomy Extension Definition Linkbase Document

E-1

EX-12

EXHIBIT 12

AMERICAN EXPRESS COMPANY

COMPUTATION IN SUPPORT OF RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED

STOCK DIVIDENDS

(Dollars in Millions)



	Three Months Ended March 31,		Years Ended December 31,

	2016		2015		2014		2013		2012		2011

Earnings:

Pretax income from continuing operations	$	2,184	$	7,938	$	8,991	$	7,888	$	6,451	$	6,956

Interest expense^(a)		425		1,623		1,707		1,958		2,226		2,320

Other adjustments^(b)		27		118		402		133		117		124


Total earnings	$	2,636	$	9,679	$	11,100	$	9,979	$	8,794	$	9,400

Fixed charges:

Interest expense	$	425	$	1,623	$	1,707	$	1,958	$	2,226	$	2,320

Other adjustments^(c)		14		62		79		93		102		94


Total fixed charges		439		1,685		1,786		2,051		2,328		2,414
Preferred stock dividends		21		62		—		—		—		—

Total fixed charges and preferred stock dividends	$	460	$	1,747	$	1,786	$	2,051	$	2,328	$	2,414

Ratio of earnings to combined fixed charges and preferred stock dividends		5.73		5.54		6.22		4.87		3.78		3.89

(a)

Included in interest expense is interest expense related to the Card Member lending activities, international banking operations, and charge card and other activities in the Consolidated Statements of Income. Interest expense does not include interest on liabilities recorded under GAAP governing accounting for uncertainty in income taxes. The Company’s policy is to classify such interest in income tax provision in the Consolidated Statements of Income.

(b)

For purposes of the “earnings” computation, “other adjustments” include adding the amortization of capitalized interest, the net loss of affiliates accounted for under the equity method whose debt is not guaranteed by the Company, the noncontrolling interest in the earnings of majority-owned subsidiaries with fixed charges, and the interest component of rental expense, and subtracting undistributed net income of affiliates accounted for under the equity method.

(c)	For purposes of the “fixed charges” computation, “other adjustments” include capitalized interest costs and the interest component of rental expense.

EX-31.1

EXHIBIT 31.1

CERTIFICATION

I, Kenneth I. Chenault, certify that:

1.	I have reviewed this quarterly report on Form 10-Q of American Express Company;

2.	Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.	Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a)

Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

(b)

Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c)

Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

(d)

Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5.	The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

(a)

All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

(b)

Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: April 27, 2016

/s/ Kenneth I. Chenault

Kenneth I. Chenault

Chief Executive Officer

EX-31.2

EXHIBIT 31.2

CERTIFICATION

I, Jeffrey C. Campbell, certify that:

1.	I have reviewed this quarterly report on Form 10-Q of American Express Company;

2.	Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.	Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

(a)

(b)

(c)

(d)

5.	The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

(a)

(b)

Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

Date: April 27, 2016

/s/ Jeffrey C. Campbell

Jeffrey C. Campbell

Chief Financial Officer

EX-32.1

EXHIBIT 32.1

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report on Form 10-Q of American Express Company (the “Company”) for the quarterly period ended March 31, 2016, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), Kenneth I. Chenault, as Chief Executive Officer of the Company, hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

(1)

The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)

The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ Kenneth I. Chenault

Name: Kenneth I. Chenault

Title: Chief Executive Officer

Date: April 27, 2016

The foregoing certification is being furnished solely pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, and is not being “filed” as part of the Form 10-Q or as a separate disclosure document for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to liability under that section. This certification shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act except to the extent that this Exhibit 32.1 is expressly and specifically incorporated by reference in any such filing.

A signed original of this written statement required by Section 906 has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.

EX-32.2

EXHIBIT 32.2

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report on Form 10-Q of American Express Company (the “Company”) for the quarterly period ended March 31, 2016, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), Jeffrey C. Campbell, as Chief Financial Officer of the Company, hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

(1)

The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)

The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ Jeffrey C. Campbell

Name: Jeffrey C. Campbell

Title: Chief Financial Officer

Date: April 27, 2016

The foregoing certification is being furnished solely pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, and is not being “filed” as part of the Form 10-Q or as a separate disclosure document for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to liability under that section. This certification shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act except to the extent that this Exhibit 32.2 is expressly and specifically incorporated by reference in any such filing.

axp-20160331.xml
Attachment: XBRL INSTANCE DOCUMENT

axp-20160331.xsd
Attachment: XBRL TAXONOMY EXTENSION SCHEMA

axp-20160331_cal.xml
Attachment: XBRL TAXONOMY EXTENSION CALCULATION LINKBASE

axp-20160331_def.xml
Attachment: XBRL TAXONOMY EXTENSION DEFINITION LINKBASE

axp-20160331_lab.xml
Attachment: XBRL TAXONOMY EXTENSION LABEL LINKBASE

axp-20160331_pre.xml
Attachment: XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE

Document and Entity Information - shares	3 Months Ended
Document and Entity Information - shares	Mar. 31, 2016	Apr. 20, 2016
Document and Entity Information [Abstract]
Entity Registrant Name	AMERICAN EXPRESS COMPANY
Trading Symbol	AXP
Entity Central Index Key	0000004962
Document Type	10-Q
Document Period End Date	Mar. 31, 2016
Amendment Flag	false
Document Fiscal Year Focus	2016
Document Fiscal Period Focus	Q1
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		951,033,100

Consolidated Statements of Income - USD ($)
shares in Millions, $ in Millions

3 Months Ended

Mar. 31, 2016

Mar. 31, 2015

Non-interest revenues

Discount revenue

$ 4,643

$ 4,660

Net card fees

699

667

Other fees and commissions

680

708

Other

486

468

Total non-interest revenues

6,508

6,503

Interest income

Interest on loans

1,938

1,795

Interest and dividends on investment securities

Deposits with banks and other

Total interest income

2,005

1,857

Interest expense

Deposits

150

103

Long-term debt and other

275

307

Total interest expense

425

410

Net interest income

1,580

1,447

Total revenues net of interest expense

8,088

7,950

Provisions for losses

Charge card

169

174

Card Member loans

227

235

Other

Total provisions for losses

434

420

Total revenues net of interest expense after provisions for losses

7,654

7,530

Expenses

Marketing and promotion

727

609

Card Member Rewards

1,703

1,640

Card Member services and other

282

261

Salaries and employee benefits

1,338

1,305

Other, net

1,420

1,399

Total expenses

5,470

5,214

Pretax income

2,184

2,316

Income tax provision

758

791

Net income

$ 1,426

$ 1,525

Earnings Per Common Share, Basic (Note 15) [Abstract]

Income from continuing operations attributable to common shareholders

^[1]

$ 1.45

$ 1.49

Earnings Per Common Share, Diluted (Note 15) [Abstract]

Income from continuing operations attributable to common shareholders

^[1]

$ 1.45

$ 1.48

Average common shares outstanding for earnings per common share:

Basic

961

1,019

Diluted

963

1,023

Cash dividends declared per common share

$ 0.29

$ 0.26

[1]	Represents net income less ( i ) earnings allocated to participating share awards of $11 million for both the three months ended March 31 , 2016 and 2015 , and (ii) dividends on preferred shares of $ 21 million and nil for the three months ended March 31 , 2016 and 2015 , respectively.

Consolidated Statements of Income (Parenthetical) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Consolidated Statements of Income [Abstract]
Earnings allocated to participating share awards	$ 11	$ 11
Dividends Preferred Stock	$ 21	$ 0

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 1,426	$ 1,525
Other comprehensive income (loss):
Net unrealized securities gains, net of tax	2	0
Foreign currency translation adjustments, net of tax	4	(255)
Pension and other postretirement benefit gains	26	23
Other comprehensive income (loss)	32	(232)
Comprehensive income	$ 1,458	$ 1,293

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Other Comprehensive Income Loss Textuals [Abstract]
Net unrealized securities gains (losses), tax	$ (1)	$ 0
Foreign currency translation adjustments, tax	(38)	88
Net unrealized pension and other postretirement benefit gains, tax	$ 19	$ 19

Consolidated Balance Sheets - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Cash and cash equivalents
Cash and due from banks	$ 2,761	$ 2,935
Interest-bearing deposits in other banks	21,899	19,569
Short-term investment securities	385	258
Total cash and cash equivalents	25,045	22,762
Card Member loans and receivables held for sale (includes gross loans and receivables available to settle obligations of consolidated variable interest entities)	11,689	14,992
Accounts receivable
Card Member receivables (includes gross receivables available to settle obligations of consolidated variable interest entity), less reserves	44,027	43,671
Other receivables, less reserves	2,633	3,024
Loans
Card Member loans (includes gross loans available to settle obligations of consolidated variable interest entity), less reserves	56,394	57,545
Other loans, less reserves	1,186	1,254
Investment securities	3,839	3,759
Premises and equipment, less accumulated depreciation and amortization	4,137	4,108
Other assets (includes restricted cash of consolidated variable interest entities)	9,866	10,069
Total assets	158,816	161,184
Liabilities
Customer deposits	55,764	54,997
Travelers Cheques and other prepaid products	3,011	3,247
Accounts payable	12,027	11,822
Short-term borrowings (includes debt issued by consolidated variable interest entity)	2,596	4,812
Long-term debt (includes debt issued by consolidated variable interest entities)	47,311	48,061
Other liabilities	17,380	17,572
Total liabilities	138,089	140,511
Shareholders' Equity
Preferred shares	0	0
Common shares	191	194
Additional paid-in capital	13,089	13,348
Retained earnings	9,949	9,665
Accumulated other comprehensive (loss) income
Net unrealized securities gains, net of tax	60	58
Foreign currency translation adjustments, net of tax	(2,040)	(2,044)
Net unrealized pension and other postretirement benefit losses, net of tax	(522)	(548)
Total accumulated other comprehensive loss	(2,502)	(2,534)
Total shareholders' equity	20,727	20,673
Total liabilities and shareholders' equity	$ 158,816	$ 161,184

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Card Member receivables, gross	$ 44,473	$ 44,133
Card Member loans, gross	57,406	58,573
Other assets	9,866	10,069
Cash and cash equivalents
Securities purchased under resale agreements	33	41
Accounts receivable
Card Member receivables, reserves	446	462
Other receivables, reserves	44	43
Card Member loans and receivables HFS	11,689	14,992
Loans
Card Member loans, reserves	1,012	1,028
Other loans, reserves	35	20
Accumulated depreciation and amortization	6,972	6,801
Restricted cash	37	155
Short Term Borrowings	2,596	4,812
Long-term Debt	$ 47,311	$ 48,061
Common shares, par value	$ 0.2	$ 0.2
Common shares, authorized	3,600,000,000	3,600,000,000
Common shares, issued	951,000,000	969,000,000
Common shares, outstanding	951,000,000	969,000,000
Preferred stock, shares authorized	20,000,000	20,000,000
Preferred Stock Shares Issued	1,600	1,600
Preferred Stock, Shares Outstanding	1,600	1,600
Preferred shares, par value	$ 1.667	$ 1.667
Accumulated other comprehensive (loss) income
Net unrealized securities gains, tax	$ 32	$ 32
Foreign currency translation adjustments, tax	(139)	(100)
Net unrealized pension and other postretirement benefit losses, tax	(204)	(223)
Variable Interest Enterprise [Member]
Card Member receivables, gross	5,802	6,649
Card Member loans, gross	22,206	23,559
Accounts receivable
Card Member loans and receivables HFS	3,966	4,966
Loans
Restricted cash	37	155
Short Term Borrowings	0	100
Long-term Debt	$ 12,605	$ 13,602

Consolidated Statements of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Cash Flows from Operating Activities
Net income	$ 1,426	$ 1,525
Adjustments to reconcile income from continuing operations to net cash provided by operating activities:
Provisions for losses	434	420
Depreciation and amortization	261	251
Deferred taxes and other	218	219
Stock-based compensation	70	71
Changes in operating assets and liabilities, net of effects of acquisitions and dispositions:
Other receivables	427	175
Other assets	232	957
Accounts payable and other liabilities	(356)	(1,230)
Travelers Cheques and other prepaid products	(243)	(262)
Net cash provided by operating activities	2,469	2,126
Cash Flows from Investing Activities
Sales of available-for-sale investment securities	45	0
Maturities and redemptions of available-for-sale investment securities	226	439
Purchase of investments	(345)	(447)
Net decrease in Card Member receivables and loans, including held for sale	4,039	3,129
Purchase of premises and equipment, net of sales	(302)	(256)
Acquisitions/Dispositions, net of cash acquired	(155)	(59)
Net decrease in restricted cash	132	15
Net cash provided by investing activities	3,640	2,821
Cash Flows from Financing Activities
Net increase in customer deposits	773	784
Net decrease in short-term borrowings	(2,217)	(1,062)
Issuance of long-term debt	35	0
Principal payments on long-term debt	(1,036)	(3,100)
Issuance of American Express preferred shares	0	841
Issuance of American Express common shares	11	54
Repurchase of American Express common shares	(1,128)	(791)
Dividends paid	(302)	(268)
Net cash used in financing activities	(3,864)	(3,542)
Effect of foreign currency exchange rates on cash and cash equivalents	38	(121)
Net increase in cash and cash equivalents	2,283	1,284
Cash and cash equivalents at beginning of period	22,762	22,288
Cash and cash equivalents at end of period	$ 25,045	$ 23,572

Consolidated Statements of Cash Flows (Parenthetical) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Increase decrease in debt exchange [Line Items]
Sale of premises and equipment	$ 1	$ 17

Summary of Significant Accounting Policies	3 Months Ended
Summary of Significant Accounting Policies	Mar. 31, 2016
Disclosure Text Block [Abstract]
Basis of Presentation	1. Basis of Presentation The Company American Express Company (the Company) is a global services company that provides customers with access to products, insights and experiences that enrich lives and build business success. The Company’s principal products and services are charge and credit payment card products and travel-related services offered to consumers and businesses around the world. Business travel-related services are offered through the non-consolidated joint venture, American Express Global Business Travel (GBT JV). The Company’s various products and services are sold globally to diverse customer groups, including consumers, small businesses, mid-sized companies and large corporations. These products and services are sold through various channels, including direct mail, online applications, in-house and third-party sales forces and direct response advertising. Effective for the first quarter of 2016, the Company realigned its segment presentation to reflect the organizational changes announced during the fourth quarter of 2015. Prior periods have been restated to conform to the new reportable operating segments, which are as follows: U.S. Consumer Services (USCS), including the proprietary U.S. Consumer Card Services business and travel services in the United States; International Consumer and Network Services (ICNS), including the proprietary International Consumer Card Services business, Global Network Services (GNS) business and travel services outside the United States; Global Commercial Services (GCS), including the proprietary Global Corporate Payments (GCP) business, small business services businesses in the United States and internationally (collectively, Global Small Business Services (GSBS)), merchant financing products and foreign exchange services operations; and Global Merchant Services (GMS), including the Global Merchant Services business and global loyalty coalition businesses. Corporate functions and certain other businesses and operations are included in Corporate & Other. The accompanying Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2015 (the Annual Report). If not materially different, certain footnote disclosures included therein have been omitted from this Quarterly Report on Form 10-Q. The interim consolidated financial information in this report has not been audited. In the opinion of management, all adjustments, which consist of normal recurring adjustments necessary for a fair statement of the interim period consolidated financial information, have been made. Results of operations reported for interim periods are not necessarily indicative of results for the entire year. The preparation of Consolidated Financial Statements in conformity with accounting principles generally accepted in the United States of America (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses, and the disclosures of contingent assets and liabilities. These accounting estimates reflect the best judgment of management, but actual results could differ. Certain reclassifications of prior period amounts have been made to conform to the current period presentation. Travel commissions and fees, which were separately disclosed on the Consolidated Statements of Income historically, are now included within Other fees and commissions. Recently Issued Accounting Standards In May 2014, the Financial Accounting Standards Board (FASB) issued new accounting guidance on revenue recognition. The guidance establishes the principles to apply to determine the amount and timing of revenue recognition, specifying the accounting for certain costs related to revenue, and requiring additional disclosures about the nature, amount, timing and uncertainty of revenues and related cash flows. The guidance, as amended, supersedes most of the current revenue recognition requirements, and is effective January 1, 2018, with early adoption as of January 1, 2017, permitted. The Company does not intend to adopt the new standard early and continues to evaluate the impact this guidance, including the method of implementation, will have on its financial position, results of operations and cash flows, among other items. In January 2016, the FASB issued new accounting guidance on the recognition and measurement of financial assets and financial liabilities. The standard, which is effective January 1, 2018, makes targeted changes to current GAAP, specifically to the classification and measurement of equity securities, and to certain disclosure requirements associated with the fair value of financial instruments. The Company is currently evaluating the impact this guidance will have on its financial position, results of operations and cash flows, among other items. In February 2016, the FASB issued new accounting guidance on leases. The guidance, which is effective January 1, 2019, with early adoption permitted, requires virtually all leases to be recognized on the Consolidated Balance Sheets and requires retrospective presentation. The Company is currently evaluating the impact this guidance will have on its financial position, results of operations and cash flows, among other items. In March 2016, the FASB issued new accounting guidance on employee share-based payments. The guidance, which is effective January 1, 2017, with early adoption permitted, simplifies various aspects of the accounting for share-based payment transactions, including the income tax consequences, accounting for award forfeitures, and classification on the Consolidated Statements of Cash Flows. The Company is currently evaluating the impact this guidance will have on its financial position, results of operations and cash flows, among other items.

Divestitures	3 Months Ended
Divestitures	Mar. 31, 2016
Business Combination Disclosure [Abstract]
Divestitures	2. Business Events During the first quarter of 2016, the Company completed the sale of its outstanding Card Member loans held for sale (HFS) portfolio related to its cobrand partnership with JetBlue Airways Corporation and recognized a gain of $127 million in Other expenses. Also during the first quarter of 2016, the Company reached an agreement to sell the outstanding Card Member loans and receivables HFS portfolio related to its cobrand partnership with Costco Wholesale Corporation in the United States. The sale of the portfolio is subject to customary closing conditions, and is expected to be completed in June 2016, at which time a related gain will be recognized. The Company continues to reflect the portfolio within Card Member loans and receivables held for sale on the Consolidated Balance Sheets and the associated valuation allowance adjustment for credit costs in Other expenses.

Accounts Receivable and Loans

3 Months Ended

Mar. 31, 2016

Loans Notes Trade And Other Receivables Disclosure [Abstract]

Accounts Receivable and Loans

3. Accounts Receivable and Loans

Card Member accounts receivable by segment and Other receivables as of March 31, 2016 and December 31, 2015 consisted of:

(Millions)	2016		2015
U.S. Consumer Services^(a)	$	10,332	$	11,807
International Consumer and Network Services		5,563		5,599
Global Commercial Services		28,578		26,727
Card Member receivables^(b)		44,473		44,133
Less: Reserve for losses		446		462
Card Member receivables, net	$	44,027	$	43,671
Other receivables, net^(c)	$	2,633	$	3,024

Includes $5.8 billion and $6.6 billion of gross Card Member receivables available to settle obligations of a consolidated variable interest entity (VIE) as of March 31, 2016 and December 31, 2015, respectively.
Includes approximately $12.4 billion and $11.9 billion of Card Member receivables outside the United States as of March 31, 2016 and December 31, 2015, respectively.
Other receivables primarily represent amounts related to (i) certain merchants for billed discount revenue, (ii) GNS partner banks for items such as royalty and franchise fees and (iii) loyalty coalition partners for points issued, as well as program participation and servicing fees. Other receivables are presented net of reserves for losses of $44 million and $43 million as of March 31, 2016 and December 31, 2015, respectively.

Card Member loans by segment and Other loans as of March 31, 2016 and December 31, 2015 consisted of:

(Millions)		2016		2015
U.S. Consumer Services^(a)	$	42,432	$	43,495
International Consumer and Network Services		6,646		7,072
Global Commercial Services		8,328		8,006
Card Member loans		57,406		58,573
Less: Reserve for losses		1,012		1,028
Card Member loans, net	$	56,394	$	57,545
Other loans, net^(b)	$	1,186	$	1,254

Includes approximately $22.2 billion and $23.6 billion of gross Card Member loans available to settle obligations of a consolidated VIE as of March 31, 2016 and December 31, 2015, respectively.
Other loans primarily represent loans to merchants. Other loans are presented net of reserves for losses of $35 million and $20 million as of March 31, 2016 and December 31, 2015, respectively.

Card Member Loans and Card Member Receivables Aging

				30-59		60-89		90+
				Days		Days		Days
				Past		Past		Past
2016 (Millions)		Current		Due		Due		Due		Total
Card Member Loans:
U.S. Consumer Services	$	42,006	$	122	$	93	$	211	$	42,432
International Consumer and Network Services		6,529		37		26		54		6,646
Global Commercial Services
Global Small Business Services		8,183		27		19		39		8,268
Global Corporate Payments^(a)		(b)		(b)		(b)		1		60
Card Member Receivables:
U.S. Consumer Services	$	10,187	$	48	$	33	$	64	$	10,332
International Consumer and Network Services		5,478		27		16		42		5,563
Global Commercial Services
Global Small Business Services		12,997		68		49		94		13,208
Global Corporate Payments^(a)		(b)		(b)		(b)		115		15,370

				30-59		60-89		90+
				Days		Days		Days
				Past		Past		Past
2015 (Millions)		Current		Due		Due		Due		Total
Card Member Loans:
U.S. Consumer Services	$	43,063	$	128	$	94	$	210	$	43,495
International Consumer and Network Services		6,961		34		25		52		7,072
Global Commercial Services
Global Small Business Services		7,867		26		18		40		7,951
Global Corporate Payments^(a)		(b)		(b)		(b)		1		55
Card Member Receivables:
U.S. Consumer Services	$	11,646	$	54	$	32	$	75	$	11,807
International Consumer and Network Services		5,515		24		18		42		5,599
Global Commercial Services
Global Small Business Services		12,734		69		45		102		12,950
Global Corporate Payments^(a)		(b)		(b)		(b)		124		13,777

For GCP Card Member receivables in GCS, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card Member’s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is classified as 90 days past billing. These amounts are shown above as 90+ Days Past Due for presentation purposes.
Delinquency data for periods other than 90 days past billing is not available due to system constraints. Therefore, such data has not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances.

Credit Quality Indicators for Card Member Loans and Receivables

The following tables present the key credit quality indicators as of or for the three months ended March 31:

	2016						2015
	Net Write-Off Rate						Net Write-Off Rate
					30+ Days						30+ Days
			Principal,		Past Due				Principal,		Past Due
	Principal		Interest, &		as a % of		Principal		Interest, &		as a % of
	Only	^(a)	Fees	^(a)	Total		Only	^(a)	Fees	^(a)	Total
Card Member Loans:
U.S. Consumer Services	1.5	%	1.7	%	1.0	%	1.5	%	1.7	%	0.9	%
International Consumer and
Network Services	1.9	%	2.4	%	1.8	%	2.0	%	2.5	%	1.8	%
Global Small Business Services	1.4	%	1.6	%	1.0	%	1.3	%	1.6	%	1.0	%
Card Member Receivables:
U.S. Consumer Services	1.8	%	2.0	%	1.4	%	2.1	%	2.3	%	1.5	%
International Consumer and
Network Services	2.2	%	2.4	%	1.5	%	1.9	%	2.1	%	1.6	%
Global Small Business Services	1.8	%	2.1	%	1.6	%	2.2	%	2.4	%	1.8	%

					2016				2015
					Net Loss				Net Loss
					Ratio as		90+ Days		Ratio as		90+ Days
					a % of		Past Billing		a % of		Past Billing
					Charge		as a % of		Charge		as a % of
					Volume		Receivables		Volume		Receivables
Card Member Receivables:
Global Corporate Payments					0.08	%	0.7	%	0.10	%	0.7	%

Impaired Card Member Loans and Receivables

		As of March 31, 2016

	Over 90 days						Accounts Classified
	Past Due &						as a TDR^(c)				Total		Unpaid
	Accruing			Non-					Out of		Impaired		Principal		Allowance
2016 (Millions)	Interest		^(a)	Accruals		^(b)	In Program^(d)		Program^(e)		Balance		Balance		for TDRs
Card Member Loans:
U.S. Consumer Services	$	139		$	123		$	147	$	99	$	508	$	469	$	44
International Consumer and
Network Services		54			―			―		―		54		53		―
Global Commercial Services		24			26			23		19		92		85		8
Card Member Receivables:
U.S. Consumer Services		―			―			9		4		13		13		6
Global Commercial Services		―			―			20		5		25		24		14
Total	$	217		$	149		$	199	$	127	$	692	$	644	$	72

		As of December 31, 2015

	Over 90 days						Accounts Classified
	Past Due &						as a TDR^(c)				Total		Unpaid
	Accruing			Non-					Out of		Impaired		Principal		Allowance
2015 (Millions)	Interest		^(a)	Accruals		^(b)	In Program^(d)		Program^(e)		Balance		Balance		for TDRs
Card Member Loans:
U.S. Consumer Services	$	140		$	124		$	149	$	89	$	502	$	463	$	44
International Consumer and
Network Services		52			―			―		―		52		51		―
Global Commercial Services		24			26			23		18		91		85		9
Card Member Receivables:
U.S. Consumer Services		―			―			11		3		14		14		8
Global Commercial Services		―			―			16		3		19		19		12
Total	$	216		$	150		$	199	$	113	$	678	$	632	$	73

The Company’s policy is generally to accrue interest through the date of write-off (typically 180 days past due). The Company establishes reserves for interest that it believes will not be collected. Amounts presented exclude loans classified as a TDR.
Non-accrual loans not in modification programs primarily include certain Card Member loans placed with outside collection agencies for which the Company has ceased accruing interest.
Accounts classified as a TDR include $18 million and $20 million that are over 90 days past due and accruing interest and $15 million and $18 million as of March 31, 2016 and December 31, 2015, respectively.
In Program TDRs include Card Member accounts that are currently enrolled in a modification program.
Out of Program TDRs include $98 million and $84 million of Card Member accounts that have successfully completed a modification program and $29 million and $29 million of Card Member accounts that were not in compliance with the terms of the modification programs as of March 31, 2016 and December 31, 2015, respectively.

		2016			2015

			Interest				Interest
	Average		Income		Average		Income
(Millions)		Balance	Recognized			Balance	Recognized
Card Member Loans:
U.S. Consumer Services	$	505	$	12	$	587	$	10
International Consumer and Network Services		53		4		56		4
Global Commercial Services		92		3		105		3
Card Member Receivables:
U.S. Consumer Services		14		―		14		―
Global Commercial Services		22		―		24		―
Total	$	686	$	19	$	786	$	17

Card Member Loans and Receivables Modified as TDRs

		Three Months Ended March 31, 2016
		Number of		Outstanding			Average Interest		Average Payment
		Accounts		Balances		(a)	Rate Reduction		Term Extensions
		(in thousands)		($ in millions)			(% points)		(# of months)
Troubled Debt Restructurings:
	Card Member Loans		8	$	57			13		(b)
	Card Member Receivables		3		38			(c)		16
Total			11	$	95

		Three Months Ended March 31, 2015
		Number of		Outstanding			Average Interest		Average Payment
		Accounts		Balances		(a)	Rate Reduction		Term Extensions
		(in thousands)		($ in millions)			(% points)		(# of months)
Troubled Debt Restructurings:
	Card Member Loans		11	$	80			12		(b)
	Card Member Receivables		3		40			(c)		12
Total			14	$	120

Represents the outstanding balance immediately prior to modification. The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables. Modifications did not reduce the principal balance.
For Card Member loans, there have been no payment term extensions.
The Company does not offer interest rate reduction programs for Card Member receivables as the receivables are non-interest bearing.

		2016			2015
			Outstanding			Outstanding
		Number of	Balances		Number of	Balances
		Accounts		Upon Default	Accounts		Upon Default
(Accounts in thousands, Dollars in millions)		(thousands)	(millions)^(a)		(thousands)	(millions)^(a)
Troubled Debt Restructurings That
	Subsequently Defaulted:
	Card Member Loans	1	$	9	2	$	10
	Card Member Receivables	1		1	1		1
Total		2	$	10	3	$	11

The outstanding balances upon default include principal, fees and accrued interest on Card Member loans, and principal and fees on Card Member receivables.

Reserves for Losses

3 Months Ended

Mar. 31, 2016

Reserves For Losses Card Member Receivables And Loans Disclosure [Abstract]

Reserve for Losses

4. Reserves for Losses

This Note is presented excluding amounts associated with the Card Member loans and receivables HFS as of March 31, 2016 and December 31, 2015.

Changes in Card Member Receivables Reserve for Losses

The following table presents changes in the Card Member receivables reserve for losses for the three months ended March 31:

(Millions)		2016		2015
Balance, January 1		$	462	$	465
	Provisions^(a)		169		174
	Net write-offs^(b)		(186)		(199)
	Other^(c)		1		(11)
Balance, March 31		$	446	$	429

Provisions for principal and fee reserve components.
Consists of principal and fee components, less recoveries of $101 million and $99 million, including net write-offs from TDRs of $10 million and $31 million, for the three months ended March 31, 2016 and 2015, respectively.
Includes foreign currency translation adjustments of $2 million and $(7) million for the three months ended March 31, 2016 and 2015, respectively, and other adjustments of $(1) million and $(4) million for the three months ended March 31, 2016 and 2015, respectively.

Card Member Receivables Evaluated Individually and Collectively for Impairment

The following table presents Card Member receivables evaluated individually and collectively for impairment, and related reserves, as of March 31, 2016 and December 31, 2015:

(Millions)	2016		2015
Card Member receivables evaluated individually for impairment^(a)	$	38	$	33
Related reserves ^(a)	$	20	$	20
Card Member receivables evaluated collectively for impairment	$	44,435	$	44,100
Related reserves ^(b)	$	426	$	442

Represents receivables modified as a TDR and related reserves.
The reserves include the quantitative results of analytical models that are specific to individual pools of receivables, and reserves for internal and external qualitative risk factors that apply to receivables that are collectively evaluated for impairment.

Changes in Card Member Loans Reserve for Losses

The following table presents changes in the Card Member loans reserve for losses for the three months ended March 31:

(Millions)			2016		2015
Balance, January 1			$	1,028	$	1,201
	Provisions^(a)			227		235
	Net write-offs
		Principal^(b)		(214)		(259)
		Interest and fees^(b)		(40)		(43)
	Other^(c)			11		(4)
Balance, March 31			$	1,012	$	1,130

Provisions for principal, interest and fee reserve components.
Consists of principal write-offs, less recoveries of $88 million and $103 million, including net write-offs/(recoveries) from TDRs of $13 million and $16 million, for the three months ended March 31, 2016 and 2015, respectively. Recoveries of interest and fees were de minimis.
Includes foreign currency translation adjustments of $2 million and $(7) million and other adjustments of $2 million and $3 million for the three months ended March 31, 2016 and 2015, respectively. The three months ended March 31, 2016 also includes the transfer of reserves of $7 million associated with $20 million of Card Member loans transferred from HFS to held for investment.

Card Member Loans Evaluated Individually and Collectively for Impairment

The following table presents Card Member loans evaluated individually and collectively for impairment and related reserves as of March 31, 2016 and December 31, 2015:

(Millions)	2016		2015
Card Member loans evaluated individually for impairment^(a)	$	288	$	279
Related reserves ^(a)	$	52	$	53
Card Member loans evaluated collectively for impairment^(b)	$	57,118	$	58,294
Related reserves ^(b)	$	960	$	975

Represents loans modified as a TDR and related reserves.
Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing interest, and non-accrual loans. The reserves include the quantitative results of analytical models that are specific to individual pools of loans, and reserves for internal and external qualitative risk factors that apply to loans that are collectively evaluated for impairment.

Investment Securities

3 Months Ended

Mar. 31, 2016

Investments, Debt and Equity Securities [Abstract]

Investment Securities

5. Investment Securities

The following is a summary of investment securities as of March 31, 2016 and December 31, 2015:

		2016								2015
					Gross		Gross		Estimated				Gross		Gross		Estimated
					Unrealized		Unrealized		Fair				Unrealized		Unrealized		Fair
Description of Securities (Millions)			Cost		Gains		Losses		Value		Cost		Gains		Losses		Value
State and municipal obligations		$	2,695	$	76	$	(4)	$	2,767	$	2,813	$	85	$	(5)	$	2,893
U.S. Government agency
	obligations		2		―		―		2		2		―		―		2
U.S. Government treasury
	obligations		375		10		―		385		406		4		(1)		409
Corporate debt securities			28		1		―		29		29		1		―		30
Mortgage-backed securities ^(a)			117		5		―		122		117		4		―		121
Equity securities			1		―		―		1		1		―		―		1
Foreign government bonds and
	obligations		477		7		―		484		250		6		(1)		255
Other ^(b)			50		1		(2)		49		50		―		(2)		48
Total		$	3,745	$	100	$	(6)	$	3,839	$	3,668	$	100	$	(9)	$	3,759

Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or Ginnie Mae.
Other comprises investments in various mutual funds.

		2016								2015
		Less than 12 months				12 months or more				Less than 12 months				12 months or more
					Gross				Gross				Gross				Gross
Description of Securities (Millions)			Estimated Fair Value		Unrealized Losses		Estimated Fair Value		Unrealized Losses		Estimated Fair Value		Unrealized Losses		Estimated Fair Value		Unrealized Losses
State and municipal obligations		$	97	$	(4)	$	―		―	$	100	$	(3)	$	13	$	(2)
U.S. Government treasury
	obligations		―		―		―		―		253		(1)		―		―
Foreign government bonds and
	obligations		―		―		―		―		99		(1)		―		―
Other			―		―		33		(2)		―		―		33		(2)
Total		$	97	$	(4)	$	33	$	(2)	$	452	$	(5)	$	46	$	(4)

The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of March 31, 2016 and December 31, 2015:

	Less than 12 months					12 months or more					Total
Ratio of Fair Value to					Gross					Gross					Gross
Amortized Cost	Number of		Estimated		Unrealized	Number of		Estimated		Unrealized	Number of		Estimated		Unrealized
(Dollars in millions)	Securities		Fair Value		Losses	Securities		Fair Value		Losses	Securities		Fair Value		Losses
2016:
90%–100%	14	$	97	$	(4)	6	$	33	$	(2)	20	$	130	$	(6)
Less than 90%	―		―		―	―		―		―	―		―		―
Total as of March 31, 2016	14	$	97	$	(4)	6	$	33	$	(2)	20	$	130	$	(6)

2015:
90%–100%	52	$	450	$	(5)	15	$	37	$	(2)	67	$	487	$	(7)
Less than 90%	―		―		―	2		9		(2)	2		9		(2)
Total as of December 31, 2015	52	$	450	$	(5)	17	$	46	$	(4)	69	$	496	$	(9)

Contractual maturities of investment securities with stated maturities as of March 31, 2016 were as follows:

				Estimated
(Millions)		Cost		Fair Value
Due within 1 year	$	556	$	557
Due after 1 year but within 5 years		209		214
Due after 5 years but within 10 years		410		430
Due after 10 years		2,519		2,588
Total^(a)	$	3,694	$	3,789

Balances primarily represent investments in state and municipal obligations, and foreign government bonds and obligations.

Asset Securitizations

3 Months Ended

Mar. 31, 2016

Asset Securitizations [Abstract]

Asset Securitizations

6. Asset Securitizations

(Millions)	2016		2015
Charge Trust	$	1	$	2
Lending Trust		36		153
Total	$	37	$	155

Customer Deposits

3 Months Ended

Mar. 31, 2016

Deposit Liabilities Disclosures [Abstract]

Customer Deposits

7. Customer Deposits

As of March 31, 2016 and December 31, 2015, customer deposits were categorized as interest bearing or non-interest bearing, as follows:

(Millions)			2016		2015
U.S.:
	Interest bearing		$	54,934	$	54,102
	Non-interest bearing (includes Card Member credit balances of:
		2016, $372 million; 2015, $389 million)		405		478
Non-U.S.:
	Interest bearing			87		82
	Non-interest bearing (includes Card Member credit balances of:
		2016, $317 million; 2015, $323 million)		338		335
Total customer deposits			$	55,764	$	54,997

Customer deposits by deposit type as of March 31, 2016 and December 31, 2015 were as follows:

(Millions)			2016		2015
U.S. retail deposits:
	Savings accounts – Direct		$	30,295	$	29,023
	Certificates of deposit:
		Direct		282		281
		Third-party (brokered)		13,676		13,856
	Sweep accounts – Third-party (brokered)			10,681		10,942
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing deposits			141		183
Card Member credit balances ― U.S. and non-U.S.				689		712
Total customer deposits			$	55,764	$	54,997

The scheduled maturities of certificates of deposit as of March 31, 2016 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2016	$	2,264	$	6	$	2,270
2017		3,651		2		3,653
2018		3,190		―		3,190
2019		2,330		―		2,330
2020		2,516		―		2,516
After 5 years		7		―		7
Total	$	13,958	$	8	$	13,966

As of March 31, 2016 and December 31, 2015, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows:

(Millions)	2016		2015
U.S.	$	109	$	105
Non-U.S.		1		1
Total	$	110	$	106

Contingencies	3 Months Ended
Contingencies	Mar. 31, 2016
Contingencies Disclosure [Abstract]
Contingencies	8. Contingencies In the ordinary course of business, the Company and its subsidiaries are subject to various claims, investigations, examinations, pending and potential legal actions, and other matters relating to compliance with laws and regulations (collectively, legal proceedings). The Company discloses its material legal proceedings under Part II, Item 1. “Legal Proceedings” in this Quarterly Report on Form 10-Q and Part I, Item 3. “Legal Proceedings” in the Annual Report. The Company has recorded reserves for certain of its outstanding legal proceedings. A reserve is recorded when it is both (a) probable that a loss has occurred and (b) the amount of loss can be reasonably estimated. There may be instances in which an exposure to loss exceeds the recorded reserve. The Company evaluates, on a quarterly basis, developments in legal proceedings that could cause an increase or decrease in the amount of the reserve that has been previously recorded, or a revision to the disclosed estimated range of possible losses, as applicable. The Company’s legal proceedings range from cases brought by a single plaintiff to class actions with millions of putative class members. These legal proceedings involve various lines of business of the Company and a variety of claims (including, but not limited to, common law tort, contract, antitrust and consumer protection claims), some of which present novel factual allegations and/or unique legal theories. While some matters pending against the Company specify the damages claimed by the plaintiff or class, many seek an unspecified amount of damages or are at very early stages of the legal process. Even when the amount of damages claimed against the Company are stated, the claimed amount may be exaggerated and/or unsupported. As a result, some matters have not yet progressed sufficiently through discovery and/or development of important factual information and legal issues to enable the Company to estimate an amount of loss or a range of possible loss, while other matters have progressed sufficiently such that the Company is able to estimate an amount of loss or a range of possible loss. For those disclosed material legal proceedings where a loss is reasonably possible in future periods, whether in excess of a related reserve for legal contingencies or where there is no such reserve, and for which the Company is able to estimate a range of possible loss, the current estimated range is zero to $350 million in excess of any reserves related to those matters. This range represents management’s estimate based on currently available information and does not represent the Company’s maximum loss exposure; actual results may vary significantly. As such proceedings evolve, including the merchant claims described under “Legal Proceedings” in the Annual Report, the Company may need to increase its range of possible loss or reserves for legal contingencies. Based on its current knowledge, and taking into consideration its litigation-related liabilities, the Company believes it is not a party to, nor are any of its properties the subject of, any legal proceeding that would have a material adverse effect on the Company’s consolidated financial condition or liquidity. However, in light of the uncertainties involved in such matters, it is possible that the outcome of legal proceedings, including the possible resolution of merchant claims, could have a material impact on the Company’s results of operations.

Derivatives and Hedging Activities

3 Months Ended

Mar. 31, 2016

Derivative Instruments And Hedging Activities Disclosure [Abstract]

Derivatives and Hedging Activities

9. Derivatives and Hedging Activities

The following table summarizes the total fair value, excluding interest accruals, of derivative assets and liabilities as of March 31, 2016 and December 31, 2015:

		Other Assets				Other Liabilities
		Fair Value				Fair Value
(Millions)		2016		2015		2016		2015
Derivatives designated as hedging instruments:
Interest rate contracts
	Fair value hedges	$	391	$	236	$	―	$	9
Foreign exchange contracts
	Net investment hedges		113		191		279		57
Total derivatives designated as hedging instruments			504		427		279		66
Derivatives not designated as hedging instruments:
	Foreign exchange contracts, including certain embedded derivatives^(a)		120		117		177		135
Total derivatives, gross			624		544		456		201
Less: Cash collateral netting^(b)			(324)		(155)		―		―
	Derivative asset and derivative liability netting^(c)		(120)		(107)		(120)		(107)
Total derivatives, net^(d)		$	180	$	282	$	336	$	94

Includes foreign currency derivatives embedded in certain operating agreements.
Represents the offsetting of derivative instruments and the right to reclaim cash collateral (a receivable) or the obligation to return cash collateral (a payable) arising from derivative instrument(s) executed with the same counterparty under an enforceable master netting arrangement. Additionally, the Company posted $140 million and $149 million as of March 31, 2016 and December 31, 2015, respectively, as initial margin on its centrally cleared interest rate swaps; such amounts are recorded within Other receivables on the Consolidated Balance Sheets and are not netted against the derivative balances.
Represents the amount of netting of derivative assets and derivative liabilities executed with the same counterparty under an enforceable master netting arrangement.
The Company has no individually significant derivative counterparties and therefore, no significant risk exposure to any single derivative counterparty. The total net derivative assets and derivative liabilities are presented within Other assets and Other liabilities on the Consolidated Balance Sheets.

Fair Value Hedges

The following table summarizes the impact on the Consolidated Statements of Income associated with the Company’s fair value hedges for the three months ended March 31:

For the Three Months Ended March 31: (Millions)
	Gains (losses) recognized in income
	Derivative contract					Hedged item					Net hedge
		Amount					Amount				ineffectiveness
Derivative relationship	Income Statement Line Item	2016		2015		Income Statement Line Item	2016		2015		2016		2015
Interest rate contracts	Other expenses	$	165	$	63	Other expenses	$	(171)	$	(57)	$	(6)	$	6

Net Investment Hedges

Derivatives Not Designated as Hedges

Fair Values

3 Months Ended

Mar. 31, 2016

Fair Value (Disclosures) [Abstract]

Fair Values

10. Fair Values

Financial Assets and Financial Liabilities Carried at Fair Value

		2016								2015
(Millions)		Total		Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3
Assets:
Investment securities:^(a)
	Equity securities	$	1	$	1	$	―	$	―	$	1	$	1	$	―	$	―
	Debt securities and other		3,838		385		3,453		―		3,758		409		3,349		―
Derivatives^(a)			624		―		624		―		544		―		544		―
Total assets			4,463		386		4,077		―		4,303		410		3,893		―
Liabilities:
Derivatives^(a)			456		―		456		―		201		―		201		―
Total liabilities		$	456	$	―	$	456	$	―	$	201	$	―	$	201	$	―

Refer to Note 5 for the fair values of investment securities and to Note 9 for the fair values of derivative assets and liabilities, on a further disaggregated basis.

					Carrying		Corresponding Fair Value Amount
2016 (Billions)					Value		Total			Level 1		Level 2			Level 3
Financial Assets:
	Financial assets for which carrying values
		equal or approximate fair value
			Cash and cash equivalents	$	25	$	25		$	24	$	1	^(a)	$	―
			Other financial assets^(b)		47		47			―		47			―
	Financial assets carried at other than fair value
			Card Member loans and receivables HFS^(d)		12		12			―		―			12
			Loans, net		58		58	^(c)		―		―			58

Financial Liabilities:
	Financial liabilities for which carrying values
		equal or approximate fair value			65		65			―		65			―
	Financial liabilities carried at other than
		fair value
			Certificates of deposit^(e)		14		14			―		14			―
			Long-term debt	$	47	$	49	^(c)	$	―	$	49		$	―

					Carrying		Corresponding Fair Value Amount
2015 (Billions)					Value		Total			Level 1		Level 2			Level 3
Financial Assets:
	Financial assets for which carrying values
		equal or approximate fair value
			Cash and cash equivalents	$	23	$	23		$	22	$	1	^(a)	$	―
			Other financial assets^(b)		47		47			―		47			―
	Financial assets carried at other than fair value
			Card Member loans and receivables HFS^(d)		15		15			―		―			15
			Loans, net		59		60	^(c)		―		―			60

Financial Liabilities:
	Financial liabilities for which carrying values
		equal or approximate fair value			67		67			―		67			―
	Financial liabilities carried at other than
		fair value
			Certificates of deposit^(e)		14		14			―		14			―
			Long-term debt	$	48	$	49	^(c)	$	―	$	49		$	―

Reflects time deposits.
Includes Card Member receivables (including fair values of Card Member receivables of $5.8 billion and $6.7 billion held by consolidated VIEs as of March 31, 2016 and December 31, 2015, respectively), Other receivables, restricted cash and other miscellaneous assets.
Includes the fair values of Card Member loans of $22.2 billion and $23.5 billion and long-term debt of $12.6 billion and $13.6 billion held by consolidated VIEs as of March 31, 2016 and December 31, 2015, respectively.
Does not include any fair value associated with the Card Member account relationships. Refer to Note 2 for additional information.
Presented as a component of customer deposits on the Consolidated Balance Sheets.

Nonrecurring Fair Value Measurements

Guarantees

3 Months Ended

Mar. 31, 2016

Guarantees [Abstract]

Guarantees

11. Guarantees

The Company provides Card Member protection plans that cover losses associated with purchased products, as well as certain other guarantees and indemnifications in the ordinary course of business.

The following table provides information related to such guarantees and indemnifications as of March 31, 2016 and December 31, 2015:

	Maximum potential
	undiscounted future
	payments^(a)				Related liability^(b)
	(Billions)				(Millions)
Type of Guarantee	2016		2015		2016		2015
Return and Merchant Protection	$	43	$	42	$	42	$	49
Other^(c)		6		6		40		37
Total	$	49	$	48	$	82	$	86

Represents the notional amounts that could be lost under the guarantees and indemnifications if there were a total default by the guaranteed or indemnified parties. The maximum potential undiscounted future payments for Merchant Protection are measured using management’s best estimate of maximum exposure, which is based on all eligible claims in relation to annual billed business volumes.
Included in Other liabilities on the Company’s Consolidated Balance Sheets.
Primarily includes guarantees related to the Company’s purchase protection, real estate and business dispositions.

Changes in Accumulated Other Comprehensive (Loss) Income

3 Months Ended

Mar. 31, 2016

Disclosure Text Block [Abstract]

Changes In Accumulated Other Comprehensive (Loss) Income

12. Changes In Accumulated Other Comprehensive Loss

2016 (Millions), net of tax	Net Unrealized Gains (Losses) on Investment Securities		Foreign Currency Translation Adjustments		Net Unrealized Pension and Other Postretirement Benefit Gains (Losses)		Accumulated Other Comprehensive (Loss) Income
Balances as of December 31, 2015	$	58	$	(2,044)	$	(548)	$	(2,534)
Net unrealized gains		4		―		―		4
Decrease due to amounts reclassified into earnings		(2)		―		―		(2)
Net translation gain of investments in foreign operations		―		96		―		96
Net losses related to hedges of investments in foreign operations		―		(92)		―		(92)
Pension and other postretirement benefit gains		―		―		26		26
Net change in accumulated other comprehensive loss		2		4		26		32
Balances as of March 31, 2016	$	60	$	(2,040)	$	(522)	$	(2,502)

2015 (Millions), net of tax	Net Unrealized Gains (Losses) on Investment Securities		Foreign Currency Translation Adjustments		Net Unrealized Pension and Other Postretirement Benefit Gains (Losses)		Accumulated Other Comprehensive (Loss) Income
Balances as of December 31, 2014	$	96	$	(1,499)	$	(516)	$	(1,919)
Net translation loss of investments in foreign operations		―		(450)		―		(450)
Net gains related to hedges of investments in foreign operations		―		195		―		195
Pension and other postretirement benefit gains		―		―		23		23
Net change in accumulated other comprehensive loss		―		(255)		23		(232)
Balances as of March 31, 2015	$	96	$	(1,754)	$	(493)	$	(2,151)

			Gains (losses) recognized in earnings
		Income Statement			Amount
Description (Millions)		Line Item		2016		2015
Available-for-sale securities
	Reclassifications for previously unrealized net gains on investment securities	Other non-interest revenues		$	4	$	―
	Related income tax expense	Income tax provision			(2)		―
Total				$	2	$	―

Non-Interest Revenue and Expense Detail

3 Months Ended

Mar. 31, 2016

Other Income And Other Expense Disclosure [Abstract]

Non-Interest Revenue and Expense Detail

13. Non-Interest Revenue and Expense Detail

The following is a detail of Other fees and commissions for the three months ended March 31:

(Millions)		2016		2015
Delinquency fees		$	200	$	195
Foreign currency conversion fee revenue			196		211
Loyalty coalition-related fees			94		91
Travel commissions and fees			80		89
Service fees			78		87
Other^(a)			32		35
	Total Other fees and commissions	$	680	$	708

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

The following is a detail of Other revenues for the three months ended March 31:

(Millions)		2016		2015
Global Network Services partner revenues		$	145	$	164
Gross realized gains on sale of investment securities			4		―
Other^(a)			337		304
	Total Other revenues	$	486	$	468

The following is a detail of Other expenses for the three months ended March 31:

(Millions)		2016		2015
Professional services		$	604	$	624
Occupancy and equipment			465		434
Communications			83		88
Card and merchant-related fraud losses			58		100
Gain on sale of JetBlue HFS portfolio^(a)			(127)		―
Other^(b)			337		153
	Total Other Expenses	$	1,420	$	1,399

Refer to Note 2 for additional information.
Other expense includes general operating expenses, gains and losses on sale of assets or businesses not classified as discontinued operations, litigation, certain internal and regulatory review-related reimbursements and insurance costs or settlements, certain loyalty coalition-related expenses, the valuation allowance adjustment associated with loans and receivables HFS during the quarter (refer to Note 2), and foreign currency-related gains and losses (including the favorable impact from the reassessment of the functional currency of certain UK legal entities in prior year).

Income Taxes	3 Months Ended
Income Taxes	Mar. 31, 2016
Income Tax Disclosure [Abstract]
Income Taxes	14. Income Taxes The effective tax rate was 34.7 percent and 34.2 percent for the three months ended March 31, 2016 and 2015, respectively. The tax rates in both periods primarily reflected the level of pretax income in relation to recurring permanent tax benefits and the geographic mix of business. Additionally, the effective tax rate in both periods reflected the resolution of certain prior years’ tax items. The Company is under continuous examination by the Internal Revenue Service (IRS) and tax authorities in other countries and states in which the Company has significant business operations. The tax years under examination and open for examination vary by jurisdiction. The IRS has completed its field examination of the Company’s federal tax returns for years through 2007; however, refund claims for certain years continue to be reviewed by the IRS. In addition, the Company is currently under examination by the IRS for the years 2008 through 2014. The Company believes it is reasonably possible that its unrecognized tax benefits could decrease within the next 12 months by as much as $263 million principally as a result of potential resolutions of prior years’ tax items with various taxing authorities. The prior years’ tax items include unrecognized tax benefits relating to the deductibility of certain expenses or losses and the attribution of taxable income to a particular jurisdiction or jurisdictions. Of the $263 million of unrecognized tax benefits, approximately $21 million relates to amounts that if recognized would be recorded in shareholders’ equity and would not impact the Company’s results of operations or its effective tax rate.

Earnings Per Common Share (EPS)

3 Months Ended

Mar. 31, 2016

Earnings Per Share [Abstract]

Earnings Per Common Share (EPS)

15. Earnings Per Common Share (EPS)

The computations of basic and diluted EPS for the three months ended March 31 were as follows:

(Millions, except per share amounts)			2016			2015
Numerator:
	Basic and diluted:
		Net income	$	1,426	$	1,525
		Preferred dividends		(21)		―
		Net income available to common shareholders	$	1,405	$	1,525
		Earnings allocated to participating share awards^(a)		(11)		(11)
		Net income attributable to common shareholders	$	1,394	$	1,514
Denominator:^(a)
	Basic: Weighted-average common stock			961		1,019
	Add: Weighted-average stock options ^(b)			2		4
	Diluted			963		1,023

Basic EPS			$	1.45	$	1.49
Diluted EPS			$	1.45	$	1.48

The Company’s unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude from the numerator any dividends paid or owed on participating securities and any undistributed earnings considered to be attributable to participating securities. The related participating securities are similarly excluded from the denominator.
The dilutive effect of unexercised stock options excludes from the computation of EPS 1.5 million and 0.5 million of options for the three months ended March 31, 2016 and 2015, respectively, because inclusion of the options would have been anti-dilutive.

Reportable Operating Segment

3 Months Ended

Mar. 31, 2016

Segment Reporting [Abstract]

Reportable Operating Segments

16. Reportable Operating Segments

The following table presents certain selected financial information for the Company’s reportable operating segments and Corporate & Other for the three months ended March 31, 2016 and 2015:

									Corporate &
(Millions, except where indicated)	USCS		ICNS		GCS		GMS		Other^(a)		Consolidated
2016
Non-interest revenues	$	2,029	$	1,140	$	2,190	$	1,041	$	108	$	6,508
Interest income		1,391		227		321		―		66		2,005
Interest expense		140		54		95		(59)		195		425
Total revenues net of interest expense		3,280		1,313		2,416		1,100		(21)		8,088
Net income (loss)		694		188		485		357		(298)		1,426
Total assets (billions)		86		34		47		24		(32)		159
Total equity (billions)		7		3		7		2		2		21
2015
Non-interest revenues		2,031		1,145		2,175		1,070		82		6,503
Interest income		1,273		245		278		―		61		1,857
Interest expense		114		63		89		(59)		203		410
Total revenues net of interest expense		3,190		1,327		2,364		1,129		(60)		7,950
Net income (loss)		659		197		517		369		(217)		1,525
Total assets (billions)		84		29		46		17		(21)		155
Total equity (billions)	$	8	$	3	$	7	$	2	$	2	$	22

Corporate & Other includes adjustments and eliminations for intersegment activity.

Significant Accounting Policies (Policies)	3 Months Ended
Significant Accounting Policies (Policies)	Mar. 31, 2016
Policy (Text Block) [Abstract]
Investments	Investment securities principally include debt securities that the Company classifies as available-for-sale and carries at fair value on the Consolidated Balance Sheets, with unrealized gains (losses) recorded in Accumulated Other Comprehensive Loss, net of income taxes. Realized gains and losses are recognized on a trade-date basis in results of operations upon disposition of the securities using the specific identification method.
Contingencies	The Company has recorded reserves for certain of its outstanding legal proceedings. A reserve is recorded when it is both (a) probable that a loss has occurred and (b) the amount of loss can be reasonably estimated. There may be instances in which an exposure to loss exceeds the recorded reserve. The Company evaluates, on a quarterly basis, developments in legal proceedings that could cause an increase or decrease in the amount of the reserve that has been previously recorded, or a revision to the disclosed estimated range of possible losses, as applicable.
Guarantees	The Company’s initial recognition of these instruments is at fair value. In addition, the Company establishes reserves when a loss is probable and the amount can be reasonably estimated.

Accounts Receivable and Loans (Tables)

3 Months Ended

Mar. 31, 2016

Accounts Receivable and Loans (Tables) [Abstract]

Card Member receivables segment detail

Card Member accounts receivable by segment and Other receivables as of March 31, 2016 and December 31, 2015 consisted of:

(Millions)	2016		2015
U.S. Consumer Services^(a)	$	10,332	$	11,807
International Consumer and Network Services		5,563		5,599
Global Commercial Services		28,578		26,727
Card Member receivables^(b)		44,473		44,133
Less: Reserve for losses		446		462
Card Member receivables, net	$	44,027	$	43,671
Other receivables, net^(c)	$	2,633	$	3,024

Includes $5.8 billion and $6.6 billion of gross Card Member receivables available to settle obligations of a consolidated variable interest entity (VIE) as of March 31, 2016 and December 31, 2015, respectively.
Includes approximately $12.4 billion and $11.9 billion of Card Member receivables outside the United States as of March 31, 2016 and December 31, 2015, respectively.
Other receivables primarily represent amounts related to (i) certain merchants for billed discount revenue, (ii) GNS partner banks for items such as royalty and franchise fees and (iii) loyalty coalition partners for points issued, as well as program participation and servicing fees. Other receivables are presented net of reserves for losses of $44 million and $43 million as of March 31, 2016 and December 31, 2015, respectively.

Card Member loans segment detail

Card Member loans by segment and Other loans as of March 31, 2016 and December 31, 2015 consisted of:

(Millions)		2016		2015
U.S. Consumer Services^(a)	$	42,432	$	43,495
International Consumer and Network Services		6,646		7,072
Global Commercial Services		8,328		8,006
Card Member loans		57,406		58,573
Less: Reserve for losses		1,012		1,028
Card Member loans, net	$	56,394	$	57,545
Other loans, net^(b)	$	1,186	$	1,254

Includes approximately $22.2 billion and $23.6 billion of gross Card Member loans available to settle obligations of a consolidated VIE as of March 31, 2016 and December 31, 2015, respectively.
Other loans primarily represent loans to merchants. Other loans are presented net of reserves for losses of $35 million and $20 million as of March 31, 2016 and December 31, 2015, respectively.

Aging of Card Member loans and receivables

The following table presents the aging of Card Member loans and receivables as of March 31, 2016 and December 31, 2015:

				30-59		60-89		90+
				Days		Days		Days
				Past		Past		Past
2016 (Millions)		Current		Due		Due		Due		Total
Card Member Loans:
U.S. Consumer Services	$	42,006	$	122	$	93	$	211	$	42,432
International Consumer and Network Services		6,529		37		26		54		6,646
Global Commercial Services
Global Small Business Services		8,183		27		19		39		8,268
Global Corporate Payments^(a)		(b)		(b)		(b)		1		60
Card Member Receivables:
U.S. Consumer Services	$	10,187	$	48	$	33	$	64	$	10,332
International Consumer and Network Services		5,478		27		16		42		5,563
Global Commercial Services
Global Small Business Services		12,997		68		49		94		13,208
Global Corporate Payments^(a)		(b)		(b)		(b)		115		15,370

				30-59		60-89		90+
				Days		Days		Days
				Past		Past		Past
2015 (Millions)		Current		Due		Due		Due		Total
Card Member Loans:
U.S. Consumer Services	$	43,063	$	128	$	94	$	210	$	43,495
International Consumer and Network Services		6,961		34		25		52		7,072
Global Commercial Services
Global Small Business Services		7,867		26		18		40		7,951
Global Corporate Payments^(a)		(b)		(b)		(b)		1		55
Card Member Receivables:
U.S. Consumer Services	$	11,646	$	54	$	32	$	75	$	11,807
International Consumer and Network Services		5,515		24		18		42		5,599
Global Commercial Services
Global Small Business Services		12,734		69		45		102		12,950
Global Corporate Payments^(a)		(b)		(b)		(b)		124		13,777

For GCP Card Member receivables in GCS, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card Member’s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is classified as 90 days past billing. These amounts are shown above as 90+ Days Past Due for presentation purposes.
Delinquency data for periods other than 90 days past billing is not available due to system constraints. Therefore, such data has not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances.

Credit quality indicators for loans and receivables

The following tables present the key credit quality indicators as of or for the three months ended March 31:

	2016						2015
	Net Write-Off Rate						Net Write-Off Rate
					30+ Days						30+ Days
			Principal,		Past Due				Principal,		Past Due
	Principal		Interest, &		as a % of		Principal		Interest, &		as a % of
	Only	^(a)	Fees	^(a)	Total		Only	^(a)	Fees	^(a)	Total
Card Member Loans:
U.S. Consumer Services	1.5	%	1.7	%	1.0	%	1.5	%	1.7	%	0.9	%
International Consumer and
Network Services	1.9	%	2.4	%	1.8	%	2.0	%	2.5	%	1.8	%
Global Small Business Services	1.4	%	1.6	%	1.0	%	1.3	%	1.6	%	1.0	%
Card Member Receivables:
U.S. Consumer Services	1.8	%	2.0	%	1.4	%	2.1	%	2.3	%	1.5	%
International Consumer and
Network Services	2.2	%	2.4	%	1.5	%	1.9	%	2.1	%	1.6	%
Global Small Business Services	1.8	%	2.1	%	1.6	%	2.2	%	2.4	%	1.8	%

					2016				2015
					Net Loss				Net Loss
					Ratio as		90+ Days		Ratio as		90+ Days
					a % of		Past Billing		a % of		Past Billing
					Charge		as a % of		Charge		as a % of
					Volume		Receivables		Volume		Receivables
Card Member Receivables:
Global Corporate Payments					0.08	%	0.7	%	0.10	%	0.7	%

Impaired Card Member loans and receivables

		As of March 31, 2016

	Over 90 days						Accounts Classified
	Past Due &						as a TDR^(c)				Total		Unpaid
	Accruing			Non-					Out of		Impaired		Principal		Allowance
2016 (Millions)	Interest		^(a)	Accruals		^(b)	In Program^(d)		Program^(e)		Balance		Balance		for TDRs
Card Member Loans:
U.S. Consumer Services	$	139		$	123		$	147	$	99	$	508	$	469	$	44
International Consumer and
Network Services		54			―			―		―		54		53		―
Global Commercial Services		24			26			23		19		92		85		8
Card Member Receivables:
U.S. Consumer Services		―			―			9		4		13		13		6
Global Commercial Services		―			―			20		5		25		24		14
Total	$	217		$	149		$	199	$	127	$	692	$	644	$	72

		As of December 31, 2015

	Over 90 days						Accounts Classified
	Past Due &						as a TDR^(c)				Total		Unpaid
	Accruing			Non-					Out of		Impaired		Principal		Allowance
2015 (Millions)	Interest		^(a)	Accruals		^(b)	In Program^(d)		Program^(e)		Balance		Balance		for TDRs
Card Member Loans:
U.S. Consumer Services	$	140		$	124		$	149	$	89	$	502	$	463	$	44
International Consumer and
Network Services		52			―			―		―		52		51		―
Global Commercial Services		24			26			23		18		91		85		9
Card Member Receivables:
U.S. Consumer Services		―			―			11		3		14		14		8
Global Commercial Services		―			―			16		3		19		19		12
Total	$	216		$	150		$	199	$	113	$	678	$	632	$	73

The Company’s policy is generally to accrue interest through the date of write-off (typically 180 days past due). The Company establishes reserves for interest that it believes will not be collected. Amounts presented exclude loans classified as a TDR.
Non-accrual loans not in modification programs primarily include certain Card Member loans placed with outside collection agencies for which the Company has ceased accruing interest.
Accounts classified as a TDR include $18 million and $20 million that are over 90 days past due and accruing interest and $15 million and $18 million as of March 31, 2016 and December 31, 2015, respectively.
In Program TDRs include Card Member accounts that are currently enrolled in a modification program.
Out of Program TDRs include $98 million and $84 million of Card Member accounts that have successfully completed a modification program and $29 million and $29 million of Card Member accounts that were not in compliance with the terms of the modification programs as of March 31, 2016 and December 31, 2015, respectively.

Interest income recognized and average balance of impaired Card Member loans and receivables

		2016			2015

			Interest				Interest
	Average		Income		Average		Income
(Millions)		Balance	Recognized			Balance	Recognized
Card Member Loans:
U.S. Consumer Services	$	505	$	12	$	587	$	10
International Consumer and Network Services		53		4		56		4
Global Commercial Services		92		3		105		3
Card Member Receivables:
U.S. Consumer Services		14		―		14		―
Global Commercial Services		22		―		24		―
Total	$	686	$	19	$	786	$	17

Troubled debt restructurings

		Three Months Ended March 31, 2016
		Number of		Outstanding			Average Interest		Average Payment
		Accounts		Balances		(a)	Rate Reduction		Term Extensions
		(in thousands)		($ in millions)			(% points)		(# of months)
Troubled Debt Restructurings:
	Card Member Loans		8	$	57			13		(b)
	Card Member Receivables		3		38			(c)		16
Total			11	$	95

		Three Months Ended March 31, 2015
		Number of		Outstanding			Average Interest		Average Payment
		Accounts		Balances		(a)	Rate Reduction		Term Extensions
		(in thousands)		($ in millions)			(% points)		(# of months)
Troubled Debt Restructurings:
	Card Member Loans		11	$	80			12		(b)
	Card Member Receivables		3		40			(c)		12
Total			14	$	120

Represents the outstanding balance immediately prior to modification. The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables. Modifications did not reduce the principal balance.
For Card Member loans, there have been no payment term extensions.
The Company does not offer interest rate reduction programs for Card Member receivables as the receivables are non-interest bearing.

Troubled debt restructurings that subsequently defaulted

		2016			2015
			Outstanding			Outstanding
		Number of	Balances		Number of	Balances
		Accounts		Upon Default	Accounts		Upon Default
(Accounts in thousands, Dollars in millions)		(thousands)	(millions)^(a)		(thousands)	(millions)^(a)
Troubled Debt Restructurings That
	Subsequently Defaulted:
	Card Member Loans	1	$	9	2	$	10
	Card Member Receivables	1		1	1		1
Total		2	$	10	3	$	11

The outstanding balances upon default include principal, fees and accrued interest on Card Member loans, and principal and fees on Card Member receivables.

Reserves For Losses (Tables)

3 Months Ended

Mar. 31, 2016

Reserves For Losses Tables [Abstract]

Changes in the Card Member receivable reserve for losses

The following table presents changes in the Card Member receivables reserve for losses for the three months ended March 31:

(Millions)		2016		2015
Balance, January 1		$	462	$	465
	Provisions^(a)		169		174
	Net write-offs^(b)		(186)		(199)
	Other^(c)		1		(11)
Balance, March 31		$	446	$	429

Provisions for principal and fee reserve components.
Consists of principal and fee components, less recoveries of $101 million and $99 million, including net write-offs from TDRs of $10 million and $31 million, for the three months ended March 31, 2016 and 2015, respectively.
Includes foreign currency translation adjustments of $2 million and $(7) million for the three months ended March 31, 2016 and 2015, respectively, and other adjustments of $(1) million and $(4) million for the three months ended March 31, 2016 and 2015, respectively.

Card Member receivables and related reserves evaluated separately and collectively for impairment

The following table presents Card Member receivables evaluated individually and collectively for impairment, and related reserves, as of March 31, 2016 and December 31, 2015:

(Millions)	2016		2015
Card Member receivables evaluated individually for impairment^(a)	$	38	$	33
Related reserves ^(a)	$	20	$	20
Card Member receivables evaluated collectively for impairment	$	44,435	$	44,100
Related reserves ^(b)	$	426	$	442

Represents receivables modified as a TDR and related reserves.
The reserves include the quantitative results of analytical models that are specific to individual pools of receivables, and reserves for internal and external qualitative risk factors that apply to receivables that are collectively evaluated for impairment.

Changes in the Card Member loans reserve for losses

The following table presents changes in the Card Member loans reserve for losses for the three months ended March 31:

(Millions)			2016		2015
Balance, January 1			$	1,028	$	1,201
	Provisions^(a)			227		235
	Net write-offs
		Principal^(b)		(214)		(259)
		Interest and fees^(b)		(40)		(43)
	Other^(c)			11		(4)
Balance, March 31			$	1,012	$	1,130

Provisions for principal, interest and fee reserve components.
Consists of principal write-offs, less recoveries of $88 million and $103 million, including net write-offs/(recoveries) from TDRs of $13 million and $16 million, for the three months ended March 31, 2016 and 2015, respectively. Recoveries of interest and fees were de minimis.
Includes foreign currency translation adjustments of $2 million and $(7) million and other adjustments of $2 million and $3 million for the three months ended March 31, 2016 and 2015, respectively. The three months ended March 31, 2016 also includes the transfer of reserves of $7 million associated with $20 million of Card Member loans transferred from HFS to held for investment.

Card Member loans and related reserves evaluated separately and collectively for impairment

The following table presents Card Member loans evaluated individually and collectively for impairment and related reserves as of March 31, 2016 and December 31, 2015:

(Millions)	2016		2015
Card Member loans evaluated individually for impairment^(a)	$	288	$	279
Related reserves ^(a)	$	52	$	53
Card Member loans evaluated collectively for impairment^(b)	$	57,118	$	58,294
Related reserves ^(b)	$	960	$	975

Represents loans modified as a TDR and related reserves.
Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing interest, and non-accrual loans. The reserves include the quantitative results of analytical models that are specific to individual pools of loans, and reserves for internal and external qualitative risk factors that apply to loans that are collectively evaluated for impairment.

Investment Securities (Tables)

3 Months Ended

Mar. 31, 2016

Investment Securities (Tables) [Abstract]

Schedule of Available for Sale Securities by Type

The following is a summary of investment securities as of March 31, 2016 and December 31, 2015:

		2016								2015
					Gross		Gross		Estimated				Gross		Gross		Estimated
					Unrealized		Unrealized		Fair				Unrealized		Unrealized		Fair
Description of Securities (Millions)			Cost		Gains		Losses		Value		Cost		Gains		Losses		Value
State and municipal obligations		$	2,695	$	76	$	(4)	$	2,767	$	2,813	$	85	$	(5)	$	2,893
U.S. Government agency
	obligations		2		―		―		2		2		―		―		2
U.S. Government treasury
	obligations		375		10		―		385		406		4		(1)		409
Corporate debt securities			28		1		―		29		29		1		―		30
Mortgage-backed securities ^(a)			117		5		―		122		117		4		―		121
Equity securities			1		―		―		1		1		―		―		1
Foreign government bonds and
	obligations		477		7		―		484		250		6		(1)		255
Other ^(b)			50		1		(2)		49		50		―		(2)		48
Total		$	3,745	$	100	$	(6)	$	3,839	$	3,668	$	100	$	(9)	$	3,759

Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or Ginnie Mae.
Other comprises investments in various mutual funds.

Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value

		2016								2015
		Less than 12 months				12 months or more				Less than 12 months				12 months or more
					Gross				Gross				Gross				Gross
Description of Securities (Millions)			Estimated Fair Value		Unrealized Losses		Estimated Fair Value		Unrealized Losses		Estimated Fair Value		Unrealized Losses		Estimated Fair Value		Unrealized Losses
State and municipal obligations		$	97	$	(4)	$	―		―	$	100	$	(3)	$	13	$	(2)
U.S. Government treasury
	obligations		―		―		―		―		253		(1)		―		―
Foreign government bonds and
	obligations		―		―		―		―		99		(1)		―		―
Other			―		―		33		(2)		―		―		33		(2)
Total		$	97	$	(4)	$	33	$	(2)	$	452	$	(5)	$	46	$	(4)

Available for Sale Securities Ratio of Fair Value to Amortized Cost

The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of March 31, 2016 and December 31, 2015:

	Less than 12 months					12 months or more					Total
Ratio of Fair Value to					Gross					Gross					Gross
Amortized Cost	Number of		Estimated		Unrealized	Number of		Estimated		Unrealized	Number of		Estimated		Unrealized
(Dollars in millions)	Securities		Fair Value		Losses	Securities		Fair Value		Losses	Securities		Fair Value		Losses
2016:
90%–100%	14	$	97	$	(4)	6	$	33	$	(2)	20	$	130	$	(6)
Less than 90%	―		―		―	―		―		―	―		―		―
Total as of March 31, 2016	14	$	97	$	(4)	6	$	33	$	(2)	20	$	130	$	(6)

2015:
90%–100%	52	$	450	$	(5)	15	$	37	$	(2)	67	$	487	$	(7)
Less than 90%	―		―		―	2		9		(2)	2		9		(2)
Total as of December 31, 2015	52	$	450	$	(5)	17	$	46	$	(4)	69	$	496	$	(9)

Contractual maturities of investment securities

Contractual maturities of investment securities with stated maturities as of March 31, 2016 were as follows:

				Estimated
(Millions)		Cost		Fair Value
Due within 1 year	$	556	$	557
Due after 1 year but within 5 years		209		214
Due after 5 years but within 10 years		410		430
Due after 10 years		2,519		2,588
Total^(a)	$	3,694	$	3,789

Balances primarily represent investments in state and municipal obligations, and foreign government bonds and obligations.

Asset Securitizations (Tables)

3 Months Ended

Mar. 31, 2016

Cash And Cash Equivalents [Abstract]

Restricted cash held by trusts

(Millions)	2016		2015
Charge Trust	$	1	$	2
Lending Trust		36		153
Total	$	37	$	155

Customer Deposits (Tables)

3 Months Ended

Mar. 31, 2016

Customer Deposits (Tables) [Abstract]

Deposits By Component Alternative

As of March 31, 2016 and December 31, 2015, customer deposits were categorized as interest bearing or non-interest bearing, as follows:

(Millions)			2016		2015
U.S.:
	Interest bearing		$	54,934	$	54,102
	Non-interest bearing (includes Card Member credit balances of:
		2016, $372 million; 2015, $389 million)		405		478
Non-U.S.:
	Interest bearing			87		82
	Non-interest bearing (includes Card Member credit balances of:
		2016, $317 million; 2015, $323 million)		338		335
Total customer deposits			$	55,764	$	54,997

Deposits By Type

Customer deposits by deposit type as of March 31, 2016 and December 31, 2015 were as follows:

(Millions)			2016		2015
U.S. retail deposits:
	Savings accounts – Direct		$	30,295	$	29,023
	Certificates of deposit:
		Direct		282		281
		Third-party (brokered)		13,676		13,856
	Sweep accounts – Third-party (brokered)			10,681		10,942
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing deposits			141		183
Card Member credit balances ― U.S. and non-U.S.				689		712
Total customer deposits			$	55,764	$	54,997

Time Deposits By Maturity

The scheduled maturities of certificates of deposit as of March 31, 2016 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2016	$	2,264	$	6	$	2,270
2017		3,651		2		3,653
2018		3,190		―		3,190
2019		2,330		―		2,330
2020		2,516		―		2,516
After 5 years		7		―		7
Total	$	13,958	$	8	$	13,966

Time Deposits $250,000 Or More

As of March 31, 2016 and December 31, 2015, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows:

(Millions)	2016		2015
U.S.	$	109	$	105
Non-U.S.		1		1
Total	$	110	$	106

Derivatives and Hedging Activities (Tables)

3 Months Ended

Mar. 31, 2016

Derivatives and Hedging Activities (Tables) [Abstract]

Schedule of derivative instruments in statement of financial position, fair value

The following table summarizes the total fair value, excluding interest accruals, of derivative assets and liabilities as of March 31, 2016 and December 31, 2015:

		Other Assets				Other Liabilities
		Fair Value				Fair Value
(Millions)		2016		2015		2016		2015
Derivatives designated as hedging instruments:
Interest rate contracts
	Fair value hedges	$	391	$	236	$	―	$	9
Foreign exchange contracts
	Net investment hedges		113		191		279		57
Total derivatives designated as hedging instruments			504		427		279		66
Derivatives not designated as hedging instruments:
	Foreign exchange contracts, including certain embedded derivatives^(a)		120		117		177		135
Total derivatives, gross			624		544		456		201
Less: Cash collateral netting^(b)			(324)		(155)		―		―
	Derivative asset and derivative liability netting^(c)		(120)		(107)		(120)		(107)
Total derivatives, net^(d)		$	180	$	282	$	336	$	94

Includes foreign currency derivatives embedded in certain operating agreements.
Represents the offsetting of derivative instruments and the right to reclaim cash collateral (a receivable) or the obligation to return cash collateral (a payable) arising from derivative instrument(s) executed with the same counterparty under an enforceable master netting arrangement. Additionally, the Company posted $140 million and $149 million as of March 31, 2016 and December 31, 2015, respectively, as initial margin on its centrally cleared interest rate swaps; such amounts are recorded within Other receivables on the Consolidated Balance Sheets and are not netted against the derivative balances.
Represents the amount of netting of derivative assets and derivative liabilities executed with the same counterparty under an enforceable master netting arrangement.
The Company has no individually significant derivative counterparties and therefore, no significant risk exposure to any single derivative counterparty. The total net derivative assets and derivative liabilities are presented within Other assets and Other liabilities on the Consolidated Balance Sheets.

Effect of fair value hedges on results of operations

The following table summarizes the impact on the Consolidated Statements of Income associated with the Company’s fair value hedges for the three months ended March 31:

For the Three Months Ended March 31: (Millions)
	Gains (losses) recognized in income
	Derivative contract					Hedged item					Net hedge
		Amount					Amount				ineffectiveness
Derivative relationship	Income Statement Line Item	2016		2015		Income Statement Line Item	2016		2015		2016		2015
Interest rate contracts	Other expenses	$	165	$	63	Other expenses	$	(171)	$	(57)	$	(6)	$	6

Fair Values (Tables)

3 Months Ended

Mar. 31, 2016

Fair Values (Tables) [Abstract]

Fair value assets and liabilities measured on recurring basis

		2016								2015
(Millions)		Total		Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3
Assets:
Investment securities:^(a)
	Equity securities	$	1	$	1	$	―	$	―	$	1	$	1	$	―	$	―
	Debt securities and other		3,838		385		3,453		―		3,758		409		3,349		―
Derivatives^(a)			624		―		624		―		544		―		544		―
Total assets			4,463		386		4,077		―		4,303		410		3,893		―
Liabilities:
Derivatives^(a)			456		―		456		―		201		―		201		―
Total liabilities		$	456	$	―	$	456	$	―	$	201	$	―	$	201	$	―

Refer to Note 5 for the fair values of investment securities and to Note 9 for the fair values of derivative assets and liabilities, on a further disaggregated basis.

Estimated fair value of financial assets and financial liabilities

					Carrying		Corresponding Fair Value Amount
2016 (Billions)					Value		Total			Level 1		Level 2			Level 3
Financial Assets:
	Financial assets for which carrying values
		equal or approximate fair value
			Cash and cash equivalents	$	25	$	25		$	24	$	1	^(a)	$	―
			Other financial assets^(b)		47		47			―		47			―
	Financial assets carried at other than fair value
			Card Member loans and receivables HFS^(d)		12		12			―		―			12
			Loans, net		58		58	^(c)		―		―			58

Financial Liabilities:
	Financial liabilities for which carrying values
		equal or approximate fair value			65		65			―		65			―
	Financial liabilities carried at other than
		fair value
			Certificates of deposit^(e)		14		14			―		14			―
			Long-term debt	$	47	$	49	^(c)	$	―	$	49		$	―

					Carrying		Corresponding Fair Value Amount
2015 (Billions)					Value		Total			Level 1		Level 2			Level 3
Financial Assets:
	Financial assets for which carrying values
		equal or approximate fair value
			Cash and cash equivalents	$	23	$	23		$	22	$	1	^(a)	$	―
			Other financial assets^(b)		47		47			―		47			―
	Financial assets carried at other than fair value
			Card Member loans and receivables HFS^(d)		15		15			―		―			15
			Loans, net		59		60	^(c)		―		―			60

Financial Liabilities:
	Financial liabilities for which carrying values
		equal or approximate fair value			67		67			―		67			―
	Financial liabilities carried at other than
		fair value
			Certificates of deposit^(e)		14		14			―		14			―
			Long-term debt	$	48	$	49	^(c)	$	―	$	49		$	―

Reflects time deposits.
Includes Card Member receivables (including fair values of Card Member receivables of $5.8 billion and $6.7 billion held by consolidated VIEs as of March 31, 2016 and December 31, 2015, respectively), Other receivables, restricted cash and other miscellaneous assets.
Includes the fair values of Card Member loans of $22.2 billion and $23.5 billion and long-term debt of $12.6 billion and $13.6 billion held by consolidated VIEs as of March 31, 2016 and December 31, 2015, respectively.
Does not include any fair value associated with the Card Member account relationships. Refer to Note 2 for additional information.
Presented as a component of customer deposits on the Consolidated Balance Sheets.

Guarantees (Tables)

3 Months Ended

Mar. 31, 2016

Guarantees (Tables) [Abstract]

Information related to guarantees

The following table provides information related to such guarantees and indemnifications as of March 31, 2016 and December 31, 2015:

	Maximum potential
	undiscounted future
	payments^(a)				Related liability^(b)
	(Billions)				(Millions)
Type of Guarantee	2016		2015		2016		2015
Return and Merchant Protection	$	43	$	42	$	42	$	49
Other^(c)		6		6		40		37
Total	$	49	$	48	$	82	$	86

Represents the notional amounts that could be lost under the guarantees and indemnifications if there were a total default by the guaranteed or indemnified parties. The maximum potential undiscounted future payments for Merchant Protection are measured using management’s best estimate of maximum exposure, which is based on all eligible claims in relation to annual billed business volumes.
Included in Other liabilities on the Company’s Consolidated Balance Sheets.
Primarily includes guarantees related to the Company’s purchase protection, real estate and business dispositions.

Changes in Accumulated Other Comprehensive (Loss) Income (Tables)

3 Months Ended

Mar. 31, 2016

Components of Comprehensive Income, net of tax [Abstract]

Components of comprehensive income (loss), net of tax

2016 (Millions), net of tax	Net Unrealized Gains (Losses) on Investment Securities		Foreign Currency Translation Adjustments		Net Unrealized Pension and Other Postretirement Benefit Gains (Losses)		Accumulated Other Comprehensive (Loss) Income
Balances as of December 31, 2015	$	58	$	(2,044)	$	(548)	$	(2,534)
Net unrealized gains		4		―		―		4
Decrease due to amounts reclassified into earnings		(2)		―		―		(2)
Net translation gain of investments in foreign operations		―		96		―		96
Net losses related to hedges of investments in foreign operations		―		(92)		―		(92)
Pension and other postretirement benefit gains		―		―		26		26
Net change in accumulated other comprehensive loss		2		4		26		32
Balances as of March 31, 2016	$	60	$	(2,040)	$	(522)	$	(2,502)

2015 (Millions), net of tax	Net Unrealized Gains (Losses) on Investment Securities		Foreign Currency Translation Adjustments		Net Unrealized Pension and Other Postretirement Benefit Gains (Losses)		Accumulated Other Comprehensive (Loss) Income
Balances as of December 31, 2014	$	96	$	(1,499)	$	(516)	$	(1,919)
Net translation loss of investments in foreign operations		―		(450)		―		(450)
Net gains related to hedges of investments in foreign operations		―		195		―		195
Pension and other postretirement benefit gains		―		―		23		23
Net change in accumulated other comprehensive loss		―		(255)		23		(232)
Balances as of March 31, 2015	$	96	$	(1,754)	$	(493)	$	(2,151)

Reclassification out of accumulated other comprehensive (loss) income

			Gains (losses) recognized in earnings
		Income Statement			Amount
Description (Millions)		Line Item		2016		2015
Available-for-sale securities
	Reclassifications for previously unrealized net gains on investment securities	Other non-interest revenues		$	4	$	―
	Related income tax expense	Income tax provision			(2)		―
Total				$	2	$	―

Non-Interest Revenue and Expense Detail (Tables)

3 Months Ended

Mar. 31, 2016

Other Cost And Expense Disclosure Operating (Tables) [Abstract]

Details of other commissions and fees

The following is a detail of Other fees and commissions for the three months ended March 31:

(Millions)		2016		2015
Delinquency fees		$	200	$	195
Foreign currency conversion fee revenue			196		211
Loyalty coalition-related fees			94		91
Travel commissions and fees			80		89
Service fees			78		87
Other^(a)			32		35
	Total Other fees and commissions	$	680	$	708

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

Details of other revenues

The following is a detail of Other revenues for the three months ended March 31:

(Millions)		2016		2015
Global Network Services partner revenues		$	145	$	164
Gross realized gains on sale of investment securities			4		―
Other^(a)			337		304
	Total Other revenues	$	486	$	468

Detail of other, net expense

The following is a detail of Other expenses for the three months ended March 31:

(Millions)		2016		2015
Professional services		$	604	$	624
Occupancy and equipment			465		434
Communications			83		88
Card and merchant-related fraud losses			58		100
Gain on sale of JetBlue HFS portfolio^(a)			(127)		―
Other^(b)			337		153
	Total Other Expenses	$	1,420	$	1,399

Refer to Note 2 for additional information.
Other expense includes general operating expenses, gains and losses on sale of assets or businesses not classified as discontinued operations, litigation, certain internal and regulatory review-related reimbursements and insurance costs or settlements, certain loyalty coalition-related expenses, the valuation allowance adjustment associated with loans and receivables HFS during the quarter (refer to Note 2), and foreign currency-related gains and losses (including the favorable impact from the reassessment of the functional currency of certain UK legal entities in prior year).

Earnings Per Common Share (EPS) (Tables)

3 Months Ended

Mar. 31, 2016

Earnings Per Share Reconciliation [Abstract]

Computation of basic and diluted EPS

The computations of basic and diluted EPS for the three months ended March 31 were as follows:

(Millions, except per share amounts)			2016			2015
Numerator:
	Basic and diluted:
		Net income	$	1,426	$	1,525
		Preferred dividends		(21)		―
		Net income available to common shareholders	$	1,405	$	1,525
		Earnings allocated to participating share awards^(a)		(11)		(11)
		Net income attributable to common shareholders	$	1,394	$	1,514
Denominator:^(a)
	Basic: Weighted-average common stock			961		1,019
	Add: Weighted-average stock options ^(b)			2		4
	Diluted			963		1,023

Basic EPS			$	1.45	$	1.49
Diluted EPS			$	1.45	$	1.48

The Company’s unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude from the numerator any dividends paid or owed on participating securities and any undistributed earnings considered to be attributable to participating securities. The related participating securities are similarly excluded from the denominator.
The dilutive effect of unexercised stock options excludes from the computation of EPS 1.5 million and 0.5 million of options for the three months ended March 31, 2016 and 2015, respectively, because inclusion of the options would have been anti-dilutive.

Reportable Operating Segment (Tables)

3 Months Ended

Mar. 31, 2016

Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]

Operating segment information

The following table presents certain selected financial information for the Company’s reportable operating segments and Corporate & Other for the three months ended March 31, 2016 and 2015:

									Corporate &
(Millions, except where indicated)	USCS		ICNS		GCS		GMS		Other^(a)		Consolidated
2016
Non-interest revenues	$	2,029	$	1,140	$	2,190	$	1,041	$	108	$	6,508
Interest income		1,391		227		321		―		66		2,005
Interest expense		140		54		95		(59)		195		425
Total revenues net of interest expense		3,280		1,313		2,416		1,100		(21)		8,088
Net income (loss)		694		188		485		357		(298)		1,426
Total assets (billions)		86		34		47		24		(32)		159
Total equity (billions)		7		3		7		2		2		21
2015
Non-interest revenues		2,031		1,145		2,175		1,070		82		6,503
Interest income		1,273		245		278		―		61		1,857
Interest expense		114		63		89		(59)		203		410
Total revenues net of interest expense		3,190		1,327		2,364		1,129		(60)		7,950
Net income (loss)		659		197		517		369		(217)		1,525
Total assets (billions)		84		29		46		17		(21)		155
Total equity (billions)	$	8	$	3	$	7	$	2	$	2	$	22

Corporate & Other includes adjustments and eliminations for intersegment activity.

Business Events (Details Textuals) - USD ($) $ in Millions	3 Months Ended
Business Events (Details Textuals) - USD ($) $ in Millions	Mar. 31, 2016	Mar. 31, 2015
Business Events (Line Items)
Gain on sale of JetBlue HFS portfolio	$ (127)	$ 0

Accounts Receivable and Loans (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Accounts receivable segment information
Card Member receivables	$ 44,473	$ 44,133
Less: Reserve for losses	446	462	$ 429	$ 465
Card Member receivables, net	44,027	43,671
Other receivables, net	2,633	3,024
Accounts Receivable and Loans Textuals [Abstract]
Other receivables, reserves	44	43
Variable Interest Enterprise [Member]
Accounts receivable segment information
Card Member receivables	5,802	6,649
Non United States [Member]
Accounts receivable segment information
Card Member receivables	12,400	11,900
U S Consumer Services [Member]
Accounts receivable segment information
Card Member receivables	10,332	11,807
U S Consumer Services [Member] \| Variable Interest Enterprise [Member]
Accounts Receivable and Loans Textuals [Abstract]
Gross Card Member receivables available to settle the obligations of a variable interest entity	5,800	6,600
International Consumer and Network Services [Member]
Accounts receivable segment information
Card Member receivables	5,563	5,599
Global Commercial Services [Member]
Accounts receivable segment information
Card Member receivables	$ 28,578	$ 26,727

Accounts Receivable and Loans (Details 1) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Loans segment information
Card Member loans, gross	$ 57,406	$ 58,573
Less: Reserve for losses	1,012	1,028	$ 1,130	$ 1,201
Card Member loans, net	56,394	57,545
Other loans, net	1,186	1,254
Accounts Receivable and Loans Textuals [Abstract]
Other loans, reserves	35	20
Variable Interest Enterprise [Member]
Loans segment information
Card Member loans, gross	22,206	23,559
U S Consumer Services [Member]
Loans segment information
Card Member loans, gross	42,432	43,495
U S Consumer Services [Member] \| Variable Interest Enterprise [Member]
Accounts Receivable and Loans Textuals [Abstract]
Gross Card Member loans available to settle the obligations of a variable interest entity	22,200	23,600
International Consumer and Network Services [Member]
Loans segment information
Card Member loans, gross	6,646	7,072
Global Commercial Services [Member]
Loans segment information
Card Member loans, gross	$ 8,328	$ 8,006

Accounts Receivable and Loans (Details 2) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
U S Consumer Services [Member] \| Card Member Loans [Member] \| Financing Receivables Period Past Due [Domain]
Accounts Receivables [Line Items]
Current	$ 42,006	$ 43,063
Total aging	42,432	43,495
U S Consumer Services [Member] \| Card Member Loans [Member]
Accounts Receivables [Line Items]
Past Due	122	128
U S Consumer Services [Member] \| Card Member Loans [Member] \| Financing Receivables 60 To 89 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	93	94
U S Consumer Services [Member] \| Card Member Loans [Member] \| Financing Receivables Equal To Greater Than 90 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	211	210
U S Consumer Services [Member] \| Card Member Receivables [Member] \| Financing Receivables Period Past Due [Domain]
Accounts Receivables [Line Items]
Current	10,187	11,646
Total aging	10,332	11,807
U S Consumer Services [Member] \| Card Member Receivables [Member]
Accounts Receivables [Line Items]
Past Due	48	54
U S Consumer Services [Member] \| Card Member Receivables [Member] \| Financing Receivables 60 To 89 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	33	32
U S Consumer Services [Member] \| Card Member Receivables [Member] \| Financing Receivables Equal To Greater Than 90 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	64	75
International Consumer and Network Services [Member] \| Card Member Loans [Member] \| Financing Receivables Period Past Due [Domain]
Accounts Receivables [Line Items]
Current	6,529	6,961
Total aging	6,646	7,072
International Consumer and Network Services [Member] \| Card Member Loans [Member]
Accounts Receivables [Line Items]
Past Due	37	34
International Consumer and Network Services [Member] \| Card Member Loans [Member] \| Financing Receivables 60 To 89 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	26	25
International Consumer and Network Services [Member] \| Card Member Loans [Member] \| Financing Receivables Equal To Greater Than 90 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	54	52
International Consumer and Network Services [Member] \| Card Member Receivables [Member] \| Financing Receivables Period Past Due [Domain]
Accounts Receivables [Line Items]
Current	5,478	5,515
Total aging	5,563	5,599
International Consumer and Network Services [Member] \| Card Member Receivables [Member]
Accounts Receivables [Line Items]
Past Due	27	24
International Consumer and Network Services [Member] \| Card Member Receivables [Member] \| Financing Receivables 60 To 89 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	16	18
International Consumer and Network Services [Member] \| Card Member Receivables [Member] \| Financing Receivables Equal To Greater Than 90 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	42	42
Global Small Business Services [Member] \| Card Member Loans [Member] \| Financing Receivables Period Past Due [Domain]
Accounts Receivables [Line Items]
Current	8,183	7,867
Total aging	8,268	7,951
Global Small Business Services [Member] \| Card Member Loans [Member]
Accounts Receivables [Line Items]
Past Due	27	26
Global Small Business Services [Member] \| Card Member Loans [Member] \| Financing Receivables 60 To 89 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	19	18
Global Small Business Services [Member] \| Card Member Loans [Member] \| Financing Receivables Equal To Greater Than 90 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	39	40
Global Small Business Services [Member] \| Card Member Receivables [Member] \| Financing Receivables Period Past Due [Domain]
Accounts Receivables [Line Items]
Current	12,997	12,734
Total aging	13,208	12,950
Global Small Business Services [Member] \| Card Member Receivables [Member]
Accounts Receivables [Line Items]
Past Due	68	69
Global Small Business Services [Member] \| Card Member Receivables [Member] \| Financing Receivables 60 To 89 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	49	45
Global Small Business Services [Member] \| Card Member Receivables [Member] \| Financing Receivables Equal To Greater Than 90 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	94	102
Global Corporate Payments [Member] \| Card Member Loans [Member] \| Financing Receivables Period Past Due [Domain]
Accounts Receivables [Line Items]
Total aging	60	55
Global Corporate Payments [Member] \| Card Member Loans [Member] \| Financing Receivables Equal To Greater Than 90 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	1	1
Global Corporate Payments [Member] \| Card Member Receivables [Member] \| Financing Receivables Period Past Due [Domain]
Accounts Receivables [Line Items]
Total aging	15,370	13,777
Global Corporate Payments [Member] \| Card Member Receivables [Member] \| Financing Receivables Equal To Greater Than 90 Days Past Due [Member]
Accounts Receivables [Line Items]
Past Due	$ 115	$ 124

Accounts Receivable and Loans (Details 3)	3 Months Ended
Accounts Receivable and Loans (Details 3)	Mar. 31, 2016	Mar. 31, 2015
U S Consumer Services [Member] \| Card Member Loans [Member]
Credit Quality Indicator for Loans and Receivables
Net Write-Off Rate - Principal Only	1.50%	1.50%
Net Write-Off Rate - Principal, Interest, and Fees	1.70%	1.70%
30 Days Past Due as a % of Total	1.00%	0.90%
U S Consumer Services [Member] \| Card Member Receivables [Member]
Credit Quality Indicator for Loans and Receivables
Net Write-Off Rate - Principal Only	1.80%	2.10%
Net Write-Off Rate - Principal, Interest, and Fees	2.00%	2.30%
30 Days Past Due as a % of Total	1.40%	1.50%
International Consumer and Network Services [Member] \| Card Member Loans [Member]
Credit Quality Indicator for Loans and Receivables
Net Write-Off Rate - Principal Only	1.90%	2.00%
Net Write-Off Rate - Principal, Interest, and Fees	2.40%	2.50%
30 Days Past Due as a % of Total	1.80%	1.80%
International Consumer and Network Services [Member] \| Card Member Receivables [Member]
Credit Quality Indicator for Loans and Receivables
Net Write-Off Rate - Principal Only	2.20%	1.90%
Net Write-Off Rate - Principal, Interest, and Fees	2.40%	2.10%
30 Days Past Due as a % of Total	1.50%	1.60%
Global Corporate Payments [Member] \| Card Member Receivables [Member]
Credit Quality Indicator for Loans and Receivables
Net Loss Ratio as a % of Charge Volume	0.08%	0.10%
90 days past billing as a percentage of receivables	0.70%	0.70%
Global Small Business Services [Member] \| Card Member Loans [Member]
Credit Quality Indicator for Loans and Receivables
Net Write-Off Rate - Principal Only	1.40%	1.30%
Net Write-Off Rate - Principal, Interest, and Fees	1.60%	1.60%
30 Days Past Due as a % of Total	1.00%	1.00%
Global Small Business Services [Member] \| Card Member Receivables [Member]
Credit Quality Indicator for Loans and Receivables
Net Write-Off Rate - Principal Only	1.80%	2.20%
Net Write-Off Rate - Principal, Interest, and Fees	2.10%	2.40%
30 Days Past Due as a % of Total	1.60%	1.80%

Accounts Receivable and Loans (Details 4) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Impaired loans and receivables
Loans over 90 days past due and accruing interest	$ 217	$ 216
Non-accrual loans	149	150
Financing Receivable, Modifications, In-Program, Recorded Investment	199	199
Financing Receivable, Modifications, Out of Program, Recorded Investment	127	113
Total impaired loans and receivables	692	678
Unpaid principal balance	644	632
Related allowance for Troubled Debt Restructurings	72	73
Accounts Receivable and Loans Textuals [Abstract]
Total loans and receivables modified as a TDR, non-accrual	15	18
Total loans and receivables modified as a TDR, past due 90 days and still accruing	18	20
Financing Receivable, Modifications, Out of Program - success, Recorded Investment	98	84
Financing Receivable, Modifications, Out of Program - not compliant, Recorded Investment	29	29
U S Consumer Services [Member] \| Card Member Loans [Member]
Impaired loans and receivables
Loans over 90 days past due and accruing interest	139	140
Non-accrual loans	123	124
Financing Receivable, Modifications, In-Program, Recorded Investment	147	149
Financing Receivable, Modifications, Out of Program, Recorded Investment	99	89
Total impaired loans and receivables	508	502
Unpaid principal balance	469	463
Related allowance for Troubled Debt Restructurings	44	44
U S Consumer Services [Member] \| Card Member Receivables [Member]
Impaired loans and receivables
Loans over 90 days past due and accruing interest	0	0
Non-accrual loans	0	0
Financing Receivable, Modifications, In-Program, Recorded Investment	9	11
Financing Receivable, Modifications, Out of Program, Recorded Investment	4	3
Total impaired loans and receivables	13	14
Unpaid principal balance	13	14
Related allowance for Troubled Debt Restructurings	6	8
International Consumer and Network Services [Member] \| Card Member Loans [Member]
Impaired loans and receivables
Loans over 90 days past due and accruing interest	54	52
Non-accrual loans	0	0
Financing Receivable, Modifications, In-Program, Recorded Investment	0	0
Financing Receivable, Modifications, Out of Program, Recorded Investment	0	0
Total impaired loans and receivables	54	52
Unpaid principal balance	53	51
Related allowance for Troubled Debt Restructurings	0	0
Global Commercial Services [Member] \| Card Member Loans [Member]
Impaired loans and receivables
Loans over 90 days past due and accruing interest	24	24
Non-accrual loans	26	26
Financing Receivable, Modifications, In-Program, Recorded Investment	23	23
Financing Receivable, Modifications, Out of Program, Recorded Investment	19	18
Total impaired loans and receivables	92	91
Unpaid principal balance	85	85
Related allowance for Troubled Debt Restructurings	8	9
Global Commercial Services [Member] \| Card Member Receivables [Member]
Impaired loans and receivables
Loans over 90 days past due and accruing interest	0	0
Non-accrual loans	0	0
Financing Receivable, Modifications, In-Program, Recorded Investment	20	16
Financing Receivable, Modifications, Out of Program, Recorded Investment	5	3
Total impaired loans and receivables	25	19
Unpaid principal balance	24	19
Related allowance for Troubled Debt Restructurings	$ 14	$ 12

Accounts Receivable and Loans (Details 5) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	$ 686	$ 786
Interest income recognized	19	17
U S Consumer Services [Member] \| Card Member Loans [Member]
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	505	587
Interest income recognized	12	10
U S Consumer Services [Member] \| Card Member Receivables [Member]
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	14	14
Interest income recognized	0	0
International Consumer and Network Services [Member] \| Card Member Loans [Member]
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	53	56
Interest income recognized	4	4
Global Commercial Services [Member] \| Card Member Loans [Member]
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	92	105
Interest income recognized	3	3
Global Commercial Services [Member] \| Card Member Receivables [Member]
Financing Receivable Impaired [Line Items]
Average balance of impaired loans	22	24
Interest income recognized	$ 0	$ 0

Accounts Receivable and Loans (Details 6) Account in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2016 USD ($) Account M	Mar. 31, 2015 USD ($) Account M
Troubled Debt Restructurings
Financing Receivable, Modifications [Line Items]
Number of Accounts \| Account	11	14
Aggregated Outstanding Balance \| $	$ 95	$ 120
Card Member Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Accounts \| Account	8	11
Aggregated Outstanding Balance \| $	$ 57	$ 80
Average basis point reduction in interest rate by class of Card Member loans	13.00%	12.00%
Card Member Receivables [Member]
Financing Receivable, Modifications [Line Items]
Number of Accounts \| Account	3	3
Aggregated Outstanding Balance \| $	$ 38	$ 40
Average payment term extension \| M	16	12

Accounts Receivable and Loans (Details 7) Account in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2016 USD ($) Account	Mar. 31, 2015 USD ($) Account
Troubled Debt Restructurings That Subsequently Defaulted [Domain]
Financing Receivable, Modifications [Line Items]
Number of Accounts \| Account	2	3
Aggregated Outstanding Balance Upon Payment Default \| $	$ 10	$ 11
Card Member Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Accounts \| Account	1	2
Aggregated Outstanding Balance Upon Payment Default \| $	$ 9	$ 10
Card Member Receivables [Member]
Financing Receivable, Modifications [Line Items]
Number of Accounts \| Account	1	1
Aggregated Outstanding Balance Upon Payment Default \| $	$ 1	$ 1

Reserves for Losses (Details) - USD ($) $ in Millions	3 Months Ended
Reserves for Losses (Details) - USD ($) $ in Millions	Mar. 31, 2016	Mar. 31, 2015
Changes in the Card Member receivables reserve for losses
Balance, January 1	$ 462	$ 465
Card Member receivables - provisions	169	174
Card Member receivables - net write-offs	(186)	(199)
Card Member receivables - other	1	(11)
Balance, March 31	$ 446	$ 429

Reserves for Losses (Details 1) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Card Member Receivables And Related Reserves Evaluated Separately and Collectively For Impairment [Abstract]
Card Member receivables evaluated individually for impairment	$ 38	$ 33
Reserves on Card Member receivables evaluated individually for impairment	20	20
Card Member receivables evaluated collectively for impairment	44,435	44,100
Reserves on Card Member receivables evaluated collectively for impairment	$ 426	$ 442

Reserves for Losses (Details 2) - USD ($) $ in Millions	3 Months Ended
Reserves for Losses (Details 2) - USD ($) $ in Millions	Mar. 31, 2016	Mar. 31, 2015
Changes in the Card Member loans reserve for losses
Balance, January 1	$ 1,028	$ 1,201
Card Member loans - provisions	227	235
Card Member loans net write-offs - principal	(214)	(259)
Card Member loans net write-offs - interest and fees	(40)	(43)
Card Member loans - other	11	(4)
Balance, March 31	$ 1,012	$ 1,130

Reserves For Losses (Details 3) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Card Member Loans And Related Reserves Evaluated Separately And Collectively For Impairment [Abstract]
Card Member loans evaluated individually for impairment	$ 288	$ 279
Reserves on Card Member loans evaluated individually for impairment	52	53
Card Member loans evaluated collectively for impairment	57,118	58,294
Reserves on Card Member loans evaluated collectively for impairment	$ 960	$ 975

Reserves For Losses (Details Textuals) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Card Member receivables - other	$ 1	$ (11)
Card Member loans reserves for losses - other	11	(4)
Allowance for Card Member Receivables and Reserves, Recoveries of Bad Debts	101	99
Allowance for Card Member Loans, Recoveries of Bad Debts	88	103
Allowance for Card Member Receivables, Recoveries of Bad Debts - TDR	10	31
Allowance for Card Member Loans, Recoveries of Bad Debts - TDR	13	16
Loans transferred from HFS to held for investment	20
CardMember reserves associated with loans held for investments	7
Unauthorized Transactions [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Card Member receivables - other		0
Card Member loans reserves for losses - other		0
Foreign Currency Translation Adjustments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Card Member receivables - other	2	(7)
Card Member loans reserves for losses - other	2	(7)
Other Items [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Card Member receivables - other	(1)	(4)
Card Member loans reserves for losses - other	$ 2	$ 3

Investment Securities (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
Investment Securities (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Schedule of Available for Sale Securities by Type
Cost	$ 3,745	$ 3,668
Gross Unrealized Gains	100	100
Gross Unrealized Losses	(6)	(9)
Estimated Fair Value	3,839	3,759
U.S. States and Political Subdivisions Debt Securities [Member]
Schedule of Available for Sale Securities by Type
Cost	2,695	2,813
Gross Unrealized Gains	76	85
Gross Unrealized Losses	(4)	(5)
Estimated Fair Value	2,767	2,893
U.S. Government agency obligations [Member]
Schedule of Available for Sale Securities by Type
Cost	2	2
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Estimated Fair Value	2	2
U.S. Government treasury obligations [Member]
Schedule of Available for Sale Securities by Type
Cost	375	406
Gross Unrealized Gains	10	4
Gross Unrealized Losses	0	(1)
Estimated Fair Value	385	409
Corporate debt securities [Member]
Schedule of Available for Sale Securities by Type
Cost	28	29
Gross Unrealized Gains	1	1
Gross Unrealized Losses	0	0
Estimated Fair Value	29	30
Mortgage-backed securities [Member]
Schedule of Available for Sale Securities by Type
Cost	117	117
Gross Unrealized Gains	5	4
Gross Unrealized Losses	0	0
Estimated Fair Value	122	121
Equity securities [Member]
Schedule of Available for Sale Securities by Type
Cost	1	1
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Estimated Fair Value	1	1
Foreign government bonds and obligations [Member]
Schedule of Available for Sale Securities by Type
Cost	477	250
Gross Unrealized Gains	7	6
Gross Unrealized Losses	0	(1)
Estimated Fair Value	484	255
Availabe For Sale Securities Other [Member]
Schedule of Available for Sale Securities by Type
Cost	50	50
Gross Unrealized Gains	1	0
Gross Unrealized Losses	(2)	(2)
Estimated Fair Value	$ 49	$ 48

Investment Securities (Details 1) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
Investment Securities (Details 1) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Available-for-sale investment securities with gross unrealized losses and length of time
Estimated Fair Value, Less than 12 months	$ 97	$ 452
Estimated Fair Value, 12 months or more	33	46
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 months	(4)	(5)
Gross Unrealized Losses, 12 months or more	(2)	(4)
U.S. States and Political Subdivisions Debt Securities [Member]
Available-for-sale investment securities with gross unrealized losses and length of time
Estimated Fair Value, Less than 12 months	97	100
Estimated Fair Value, 12 months or more	0	13
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 months	(4)	(3)
Gross Unrealized Losses, 12 months or more	0	(2)
Foreign government bonds and obligations [Member]
Available-for-sale investment securities with gross unrealized losses and length of time
Estimated Fair Value, Less than 12 months	0	99
Estimated Fair Value, 12 months or more	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 months	0	(1)
Gross Unrealized Losses, 12 months or more	0	0
U.S. Government agency obligations [Member]
Available-for-sale investment securities with gross unrealized losses and length of time
Estimated Fair Value, Less than 12 months	0	253
Estimated Fair Value, 12 months or more	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 months	0	(1)
Gross Unrealized Losses, 12 months or more	0	0
Other [Member]
Available-for-sale investment securities with gross unrealized losses and length of time
Estimated Fair Value, Less than 12 months	0	0
Estimated Fair Value, 12 months or more	33	33
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 months	0	0
Gross Unrealized Losses, 12 months or more	$ (2)	$ (2)

Investment Securities (Details 2) $ in Millions	3 Months Ended	12 Months Ended
Investment Securities (Details 2) $ in Millions	Mar. 31, 2016 USD ($) securities	Dec. 31, 2015 USD ($) securities
Available For Sale Securities Continuous Unrealized Loss Position Qualitative Disclosure [Abstract]
Number of securities, less than 12 months \| securities	14	52
Number of securities, 12 months or more \| securities	6	17
Number of securities, total \| securities	20	69
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Estimated Fair Value, Less than 12 months	$ 97	$ 450
Estimated Fair Value, 12 months or more	33	46
Estimated Fair Value, Total	130	496
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 months	(4)	(5)
Gross Unrealized Losses, 12 months or more	(2)	(4)
Gross Unrealized Losses, Total	$ (6)	$ (9)
Ratio Of Fair Value To Amortized Cost Between Ninety And One Hundred Percent [Member]
Available For Sale Securities Continuous Unrealized Loss Position Qualitative Disclosure [Abstract]
Number of securities, less than 12 months \| securities	14	52
Number of securities, 12 months or more \| securities	6	15
Number of securities, total \| securities	20	67
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Estimated Fair Value, Less than 12 months	$ 97	$ 450
Estimated Fair Value, 12 months or more	33	37
Estimated Fair Value, Total	130	487
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 months	(4)	(5)
Gross Unrealized Losses, 12 months or more	(2)	(2)
Gross Unrealized Losses, Total	$ (6)	$ (7)
Ratio Of Fair Value To Amortized Cost Less Than Ninety Percent [Member]
Available For Sale Securities Continuous Unrealized Loss Position Qualitative Disclosure [Abstract]
Number of securities, less than 12 months \| securities	0	0
Number of securities, 12 months or more \| securities	0	2
Number of securities, total \| securities	0	2
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Estimated Fair Value, Less than 12 months	$ 0	$ 0
Estimated Fair Value, 12 months or more	0	9
Estimated Fair Value, Total	0	9
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]
Gross Unrealized Losses, Less than 12 months	0	0
Gross Unrealized Losses, 12 months or more	0	(2)
Gross Unrealized Losses, Total	$ 0	$ (2)

Investment Securities (Details 3) $ in Millions	Mar. 31, 2016 USD ($)
Available For Sale Securities Debt Maturities Amortized Cost [Abstract]
Due within 1 year	$ 556
Due after 1 year but within 5 years	209
Due after 5 years but within 10 years	410
Due after 10 years	2,519
Total	3,694
Estimated Fair Value
Estimated Fair Value, Due within 1 year	557
Estimated Fair Value, Due after 1 year but within 5 years	214
Estimated Fair Value, Due after 5 years but within 10 years	430
Estimated Fair Value, Due after 10 years	2,588
Total	$ 3,789

Investment Securities (Details Textuals) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Investment Securities (Details) [Abstract]
Other-than-temporary impairments recognized during the period	$ 0	$ 0

Asset Securitizations (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Assets from Trusts [Line Items]
Restricted cash	$ 37	$ 155
American Express Charge Trust [Member]
Assets from Trusts [Line Items]
Restricted cash	1	2
American Express Lending Trust [Member]
Assets from Trusts [Line Items]
Restricted cash	$ 36	$ 153

Asset Securitizations (Details Textuals) $ in Billions	Mar. 31, 2016 USD ($)
American Express Charge Trust [Member]
Securitized Trusts [Line Items]
Direct and Indirect ownership of variable interests	$ 4.4
American Express Lending Trust [Member]
Securitized Trusts [Line Items]
Direct and Indirect ownership of variable interests	$ 14.7

Customer Deposits (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
U.S.:
Interest-bearing	$ 54,934	$ 54,102
Non-interest-bearing	405	478
Non-U.S.:
Interest-bearing	87	82
Non-interest-bearing	338	335
Total customer deposits	55,764	54,997
Card Member Credit Balances [Member]
U.S.:
Non-interest-bearing	372	389
Non-U.S.:
Non-interest-bearing	$ 317	$ 323

Customer Deposits (Details 1) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
U.S. retail deposits:
Savings accounts - Direct	$ 30,295	$ 29,023
Certificates of deposit - Direct	282	281
Certificates of deposit - Third party	13,676	13,856
Sweep accounts - Third party	10,681	10,942
Other retail deposits:
Non-U.S. deposits and U.S. non-interest bearing deposits	141	183
Card Member credit balances - U.S. and non-U.S.	689	712
Total customer deposits	$ 55,764	$ 54,997

Customer Deposits (Details 2) $ in Millions	Mar. 31, 2016 USD ($)
Time Deposits By Maturity
2016	$ 2,270
2017	3,653
2018	3,190
2019	2,330
2020	2,516
After 5 years	7
Total	13,966
United States [Member]
Time Deposits By Maturity
2016	2,264
2017	3,651
2018	3,190
2019	2,330
2020	2,516
After 5 years	7
Total	13,958
Non United States [Member]
Time Deposits By Maturity
2016	6
2017	2
2018	0
2019	0
2020	0
After 5 years	0
Total	$ 8

Customer Deposits (Details 3) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Time Deposits $250,000 Or More [Abstract]
U.S.	$ 109	$ 105
Non-U.S.	1	1
Total	$ 110	$ 106

Contingencies (Details Textuals) $ in Millions	Mar. 31, 2016 USD ($)
Contingencies (Textuals) [Abstract]
Range of possible loss, minimum	$ 0
Range of possible loss, maximum	$ 350

Derivatives and Hedging Activities (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Derivatives, Fair Value [Line Items]
Total fair value of derivatives assets	$ 624	$ 544
Total fair value of derivatives liabilties	456	201
Other Assets [Member]
Derivatives, Fair Value [Line Items]
Cash collateral netting	(324)	(155)
Derivative asset and liability netting	(120)	(107)
Total derivative assets, net	180	282
Other Assets [Member] \| Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivatives assets	504	427
Other Assets [Member] \| Interest Rate Contract [Member] \| Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivatives assets	391	236
Other Assets [Member] \| Foreign exchange contracts [Member] \| Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivatives assets	113	191
Other Assets [Member] \| Foreign exchange contracts [Member] \| Not Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivatives assets	120	117
Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Cash collateral netting	0	0
Derivative asset and liability netting	(120)	(107)
Total derivative liabilities, net	336	94
Other Liabilities [Member] \| Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivatives liabilties	279	66
Other Liabilities [Member] \| Foreign exchange contracts [Member] \| Not Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivatives liabilties	177	135
Other Liabilities [Member] \| Fair Value Hedging [Member] \| Interest Rate Contract [Member] \| Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivatives liabilties	0	9
Other Liabilities [Member] \| Net Investment Hedging [Member] \| Foreign exchange contracts [Member] \| Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Total fair value of derivatives liabilties	279	57
Risk Exposure Low [Member]
Derivatives, Fair Value [Line Items]
Total derivative assets, net	0	483
Total derivative liabilities, net	0	0
Individually Significant Counterparties [Member]
Derivatives, Fair Value [Line Items]
Total derivative assets, net	0	0
Total derivative liabilities, net	$ 0	$ 0

Derivatives and Hedging Activities (Details 1) - Other Expense [Member] - Interest Rate Contracts [Member] - Fair Value Hedging [Member] - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Derivative Instruments, Gain (Loss) [Line Items]
Derivative contract	$ 165	$ 63
Hedged item	(171)	(57)
Net hedge ineffectiveness	$ (6)	$ 6

Derivatives and Hedging Activities (Details 2) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Derivative Instruments, Gain (Loss) [Line Items]
Pretax gains (losses)		$ 293
Not Designated as Hedging Instrument [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Pretax gains (losses)	$ 21	364
Other Expense [Member] \| Foreign exchange contracts [Member] \| Not Designated as Hedging Instrument [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Pretax gains (losses)	$ 13	$ 365

Derivatives and Hedging Activities (Details Textuals) - USD ($) shares in Millions	3 Months Ended		6 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Jun. 30, 2014	Dec. 31, 2015
Derivatives and Hedging Activities (Textuals) [Abstract]
Net reduction in interest expense on long term debt and other	$ 59,000,000	$ 70,000,000
Derivative asset not offset				$ 0
Shares held in equity investment sold	0.0
Margin On Interest Rate Swap Not Netted	$ 140,000,000			149,000,000
Derivative [Line Items]
Equity investment	1,000,000			1,000,000
Net hedge ineffectiveness	0	0
Derivative Instruments, Gain (Loss) Recognized in Income, Net		293,000,000
Not Sold Or Repledged [Member]
Derivative [Line Items]
Securities received as collateral	0			43,000,000
Other Expense [Member]
Derivative [Line Items]
Gain (Loss) in Changes of Fair Value of Derivatives not designated as hedges	(13,000,000)	97,000,000
Gain on embedded derivatives	6,000,000	0
ICBC [Member] \| Estimate of Fair Value, Fair Value Disclosure [Member]
Derivative [Line Items]
Equity investment	0
Fair Value Hedges [Member]
Derivative [Line Items]
Notional amount of long-term debt	18,800,000,000			18,800,000,000
Net Investment Hedging [Member]
Derivative [Line Items]
Effective portion of gain (loss) on hedges	(92,000,000)	195,000,000	$ 0
Net Investment Hedging [Member] \| Other Expense [Member]
Derivative [Line Items]
Amount reclassified from AOCI into income	0	0
Net hedge ineffectiveness	0	0
Net Investment Hedging [Member] \| Net Investment Hedging [Member] \| Other Expense [Member]
Derivative [Line Items]
Amount reclassified from AOCI into income	0	$ 0
Credit Valuation Adjustment [Member]
Derivative [Line Items]
Notional amount of long-term debt	$ (13,000,000)			$ 0

Fair Values (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Investment securities:
Equity securities	$ 1	$ 1
Debt securities and other	3,838	3,758
Derivatives	624	544
Total assets	4,463	4,303
Level 1 [Member]
Investment securities:
Equity securities	1	1
Debt securities and other	385	409
Derivatives	0	0
Total assets	386	410
Level 2 [Member]
Investment securities:
Equity securities	0	0
Debt securities and other	3,453	3,349
Derivatives	624	544
Total assets	4,077	3,893
Level 3 [Member]
Investment securities:
Equity securities	0	0
Debt securities and other	0	0
Derivatives	0	0
Total assets	$ 0	$ 0

Fair Values (Details 1) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Liabilities [Abstract]
Derivatives	$ 456	$ 201
Total liabilities	456	201
Level 1 [Member]
Liabilities [Abstract]
Derivatives	0	0
Total liabilities	0	0
Level 2 [Member]
Liabilities [Abstract]
Derivatives	456	201
Total liabilities	456	201
Level 3 [Member]
Liabilities [Abstract]
Derivatives	0	0
Total liabilities	$ 0	$ 0

Fair Values (Details 2) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents	$ 25,045	$ 22,762	$ 23,572	$ 22,288
Financial assets carried at other than fair value
Card Member loans and receivables HFS	11,689	14,992
Financial liabilities carried at other than fair value
Certificates of deposit	13,966
Long-term debt	47,311	48,061
Fair Values (Textuals) [Abstract]
Accounts receivable, less reserves	44,027	43,671
Card Member loans, net	56,394	57,545
Variable Interest Enterprise [Member]
Financial assets carried at other than fair value
Card Member loans and receivables HFS	3,966	4,966
Financial liabilities carried at other than fair value
Long-term debt	12,605	13,602
Carrying Value [Member]
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents	25,000	23,000
Other financial assets	47,000	47,000
Financial assets carried at other than fair value
Loans, net	58,000	59,000
Card Member loans and receivables HFS	12,000	15,000
Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value	65,000	67,000
Financial liabilities carried at other than fair value
Certificates of deposit	14,000	14,000
Long-term debt	47,000	48,000
Estimate of Fair Value, Fair Value Disclosure [Member]
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents	25,000	23,000
Other financial assets	47,000	47,000
Financial assets carried at other than fair value
Loans, net	58,000	60,000
Card Member loans and receivables HFS	12,000	15,000
Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value	65,000	67,000
Financial liabilities carried at other than fair value
Certificates of deposit	14,000	14,000
Long-term debt	49,000	49,000
Estimate of Fair Value, Fair Value Disclosure [Member] \| Variable Interest Enterprise [Member]
Financial liabilities carried at other than fair value
Long-term debt	12,600	13,600
Fair Values (Textuals) [Abstract]
Accounts receivable, less reserves	5,800	6,700
Card Member loans, net	22,200	23,500
Level 1 [Member]
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents	24,000	22,000
Other financial assets	0	0
Financial assets carried at other than fair value
Loans, net	0	0
Card Member loans and receivables HFS	0	0
Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value	0	0
Financial liabilities carried at other than fair value
Certificates of deposit	0	0
Long-term debt	0	0
Level 2 [Member]
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents	1,000	1,000
Other financial assets	47,000	47,000
Financial assets carried at other than fair value
Loans, net	0	0
Card Member loans and receivables HFS	0	0
Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value	65,000	67,000
Financial liabilities carried at other than fair value
Certificates of deposit	14,000	14,000
Long-term debt	49,000	49,000
Level 3 [Member]
Financial assets for which carrying values equal or approximate fair value
Cash and cash equivalents	0	0
Other financial assets	0	0
Financial assets carried at other than fair value
Loans, net	58,000	60,000
Card Member loans and receivables HFS	12,000	15,000
Financial Liabilities:
Financial liabilities for which carrying values equal or approximate fair value	0	0
Financial liabilities carried at other than fair value
Certificates of deposit	0	0
Long-term debt	$ 0	$ 0

Fair Values (Details Textuals) - USD ($) $ in Millions	12 Months Ended
Fair Values (Details Textuals) - USD ($) $ in Millions	Dec. 31, 2015	Mar. 31, 2016
Fair Value Assets Measured On Recurring Basis Financial Statement Captions [Line Items]
Impairment of Goodwill Prepaid Services	$ 219
Impairment Charge - Technology and Other Assets writedown to Fair Value	165
Goodwill And Intangible Asset Impairment	384
Fair Value, Measurements, Nonrecurring [Member]
Fair Value Assets Measured On Recurring Basis Financial Statement Captions [Line Items]
Assets measured at fair value for impairment	$ 0	$ 0

Guarantees (Details) - USD ($) $ in Millions	Mar. 31, 2016	Dec. 31, 2015
Type of Guarantee
Maximum potential amount of undiscounted future payments	$ 49,000	$ 48,000
Amount of related liability	82	86
Return And Merchant Protection [Member]
Type of Guarantee
Maximum potential amount of undiscounted future payments	43,000	42,000
Amount of related liability	42	49
Other Guarantees [Member]
Type of Guarantee
Maximum potential amount of undiscounted future payments	6,000	6,000
Amount of related liability	$ 40	$ 37

Changes in Accumulated Other Comprehensive (Loss) Income (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Changes in Other Comprehensive income
Balances as of start of period	$ (2,534)
Pension and other postretirement benefit gains	26	$ 23
Balances as of end of period	(2,502)
Accumulated Other Comprehensive Loss [Member]
Changes in Other Comprehensive income
Balances as of start of period	(2,534)	(1,919)
Net unrealized gains (losses)	4	0
(Decrease) increase due to amounts reclassified into earnings	(2)	0
Net translation loss of investments in foreign operations	96	(450)
Net losses gains related to hedges of investment in foreign operations	(92)	195
Pension and other postretirement benefit gains	26	23
Net change in accumulated other comprehensive income (loss)	32	(232)
Balances as of end of period	(2,502)	(2,151)
Net Unrealized Gains (Losses) on Investment Securities [Member]
Changes in Other Comprehensive income
Balances as of start of period	58	96
Net unrealized gains (losses)	4	0
(Decrease) increase due to amounts reclassified into earnings	(2)	0
Net translation loss of investments in foreign operations	0	0
Net losses gains related to hedges of investment in foreign operations	0	0
Pension and other postretirement benefit gains	0	0
Net change in accumulated other comprehensive income (loss)	2	0
Balances as of end of period	60	96
Foreign Currency Translation Adjustments [Member]
Changes in Other Comprehensive income
Balances as of start of period	(2,044)	(1,499)
Net unrealized gains (losses)	0	0
(Decrease) increase due to amounts reclassified into earnings	0	0
Net translation loss of investments in foreign operations	96	(450)
Net losses gains related to hedges of investment in foreign operations	(92)	195
Pension and other postretirement benefit gains	0	0
Net change in accumulated other comprehensive income (loss)	4	(255)
Balances as of end of period	(2,040)	(1,754)
Net Unrealized Pension and Other Postretirement Gains (Losses) [Member]
Changes in Other Comprehensive income
Balances as of start of period	(548)	(516)
Net unrealized gains (losses)	0	0
(Decrease) increase due to amounts reclassified into earnings	0	0
Net translation loss of investments in foreign operations	0	0
Net losses gains related to hedges of investment in foreign operations	0	0
Pension and other postretirement benefit gains	26	23
Net change in accumulated other comprehensive income (loss)	26	23
Balances as of end of period	$ (522)	$ (493)

Changes in Accumulated Other Comprehensive (Loss) Income (Details 1) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Other non-interest revenue	$ 486	$ 468
Interest expense on long-term debt and other	275	307
Other expenses	1,420	1,399
Net Unrealized Gains (Losses) on Investment Securities [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Other non-interest revenue	4	0
Income tax provision for other non-interest revenue	(2)	0
(Decrease) increase due to amounts reclassified into earnings	(2)	0
Foreign Currency Translation Adjustments [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
(Decrease) increase due to amounts reclassified into earnings	0	0
Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
(Decrease) increase due to amounts reclassified into earnings	$ (2)	$ 0

Non-Interest Revenue and Expense Detail (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Details Of Certain Statements Of Income Lines Details [Abstract]
Foreign currency conversion fee revenue	$ 196	$ 211
Delinquency fees	200	195
Loyalty Partner-related fees	94	91
Travel commissions and fees	80	89
Service fees	78	87
Other	32	35
Total Other fees and commissions	$ 680	$ 708

Non-Interest Revenue and Expense Detail (Details 1) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Details Of Certain Statements Of Income Lines Details [Abstract]
Global Network Services partner revenues	$ 145	$ 164
Net realized gains on investment securities	4	0
Other	337	304
Total other revenues	$ 486	$ 468

Non-Interest Revenue and Expense Detail (Details 2) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Details Of Certain Statements Of Income Lines Details [Abstract]
Professional services	$ 604	$ 624
Occupancy and equipment	465	434
Card and merchant-related fraud losses	58	100
Communications	83	88
Gain on sale of JetBlue HFS portfolio	(127)	0
Other	337	153
Total other, net	$ 1,420	$ 1,399

Income Taxes (Details Textuals) - USD ($) $ in Millions	3 Months Ended
Income Taxes (Details Textuals) - USD ($) $ in Millions	Mar. 31, 2016	Mar. 31, 2015
Income Taxes (Textuals)
Unrecognized tax benefits as a result of potential resolutions of prior years' tax	$ 263
Unrecognized tax benefits, amounts recorded to equity	$ 21
Actual tax rates	34.70%	34.20%
Internal Revenue Service (IRS) [Member] \| Earliest Year [Member]
Income Tax Contingency [Line Items]
Open tax years by major tax jurisdiction	2008
Internal Revenue Service (IRS) [Member] \| Latest Year [Member]
Income Tax Contingency [Line Items]
Open tax years by major tax jurisdiction	2014

Earnings Per Common Share (EPS) (Details) - USD ($)
$ / shares in Units, $ in Millions

3 Months Ended

Mar. 31, 2016

Mar. 31, 2015

Basic and diluted:

Net income

$ 1,426

$ 1,525

Preferred dividends

(21)

Net income available to common stockholders - basic

1,405

1,525

Net income available to common stockholders - diluted

1,405

1,525

Earnings allocated to participating share awards

(11)

Net income attributable to common shareholders

$ 1,394

$ 1,514

Denominator:

Basic

961,000,000

1,019,000,000

Add: Weighted-average stock options

2,000,000

4,000,000

Diluted

963,000,000

1,023,000,000

Earnings Per Common Share, Basic (Note 15) [Abstract]

Income from continuing operations attributable to common shareholders

^[1]

$ 1.45

$ 1.49

Earnings Per Common Share, Diluted (Note 15) [Abstract]

Income from continuing operations attributable to common shareholders

^[1]

$ 1.45

$ 1.48

Earnings Per Common Share (Textuals) [Abstract]

Subordinated debentures

$ 750

Subordinated debt issuance year

2006

Subordinated debt maturity year

2036

Stock options [Member]

Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]

Antidilutive securities excluded from computation of earnings per Share, amount

1,500,000

500,000

[1]	Represents net income less ( i ) earnings allocated to participating share awards of $11 million for both the three months ended March 31 , 2016 and 2015 , and (ii) dividends on preferred shares of $ 21 million and nil for the three months ended March 31 , 2016 and 2015 , respectively.

Reportable Operating Segments and Geographic Operations (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Segment Reporting Information [Line Items]
Non-interest revenues	$ 6,508	$ 6,503
Interest income	2,005	1,857
Interest expense	425	410
Total revenues, net of interest expense	8,088	7,950
Net income	1,426	1,525
Total assets	158,816	155,000	$ 161,184
Total equity	20,727	22,000	$ 20,673
U S Consumer Services [Member]
Segment Reporting Information [Line Items]
Non-interest revenues	2,029	2,031
Interest income	1,391	1,273
Interest expense	140	114
Total revenues, net of interest expense	3,280	3,190
Net income	694	659
Total assets	86,000	84,000
Total equity	7,000	8,000
International Consumer and Network Services [Member]
Segment Reporting Information [Line Items]
Non-interest revenues	1,140	1,145
Interest income	227	245
Interest expense	54	63
Total revenues, net of interest expense	1,313	1,327
Net income	188	197
Total assets	34,000	29,000
Total equity	3,000	3,000
Global Commercial Services [Member]
Segment Reporting Information [Line Items]
Non-interest revenues	2,190	2,175
Interest income	321	278
Interest expense	95	89
Total revenues, net of interest expense	2,416	2,364
Net income	485	517
Total assets	47,000	46,000
Total equity	7,000	7,000
Global Merchant Services [Member]
Segment Reporting Information [Line Items]
Non-interest revenues	1,041	1,070
Interest income	0	0
Interest expense	(59)	(59)
Total revenues, net of interest expense	1,100	1,129
Net income	357	369
Total assets	24,000	17,000
Total equity	2,000	2,000
Corporate and Other [Member]
Segment Reporting Information [Line Items]
Non-interest revenues	108	82
Interest income	66	61
Interest expense	195	203
Total revenues, net of interest expense	(21)	(60)
Net income	(298)	(217)
Total assets	(32,000)	(21,000)
Total equity	$ 2,000	$ 2,000

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