v3.26.3
Segment Reporting
 9 Months Ended
Sep. 30, 2026
Segment Reporting [Abstract]  
Segment Reporting SEGMENT REPORTING
We conduct our operations through a single business segment, which derives interest and fee income earned on our credit products we offer to our customers. There have not been any changes to the basis of segmentation or the measurement of performance as compared to our 2025 Form 10-K.
The following table presents segment information for the periods indicated:
Three months ended September 30,Nine months ended September 30,
($ in millions)2026202520262025
Interest and fees on loans
$5,591 $5,510 $16,384 $16,150 
Interest on cash and debt securities197 221 590 717 
Total interest income5,788 5,731 16,974 16,867 
Total interest expense979 1,011 2,922 3,162 
Net interest income4,809 4,720 14,052 13,705 
Retailer share arrangements(1,096)(1,024)(3,193)(2,911)
Reserve build (release)
30 (152)(144)(514)
Net charge-offs
1,236 1,298 3,946 4,297 
Provision for credit losses
1,266 1,146 3,802 3,783 
Other income:
Other income
105 127 375 394 
Total other income
105 127 375 394 
Other expense:
Employee costs507 503 1,538 1,518 
Professional fees234 240 663 693 
Marketing and business development 137 120 388 363 
Information processing 260 226 770 660 
Fraud-related operational losses
91 43 257 117 
Other segment items(a)
142 116 402 385 
Total other expense 1,371 1,248 4,018 3,736 
Provision for income taxes
289 352 832 868 
Net earnings$892 $1,077 $2,582 $2,801 
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(a)Represents the total amount of other expenses included in Net earnings, including postage and various other corporate overhead items, such as facilities costs and telephone charges.

Our segment assets represent our Total assets as presented on our Condensed Consolidated Statements of Financial Position.