7Baggers
Quarterly
Annual
    Unit: USD2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 2018-12-31 2018-09-30 2018-06-30 2018-03-31 2017-12-31 2017-09-30 2017-06-30 2017-03-31 2016-12-31 2016-09-30 2016-06-30 2016-03-31 2015-06-30 2015-03-31 2014-12-31 2013-03-31 2012-11-30 2012-08-31 2012-05-31 2012-02-29 2011-11-30 2011-08-31 2011-05-31 2011-02-28 2010-11-30 2010-08-31 2010-05-31 2010-02-28 2009-11-30 2009-08-31 2009-05-31 2009-02-28 2008-11-30 2008-08-31 2008-05-31 2008-02-29 
                                                                 
      cash flows from operating activities
    		                                                             
      net income
    		1,104,000,000 1,291,000,000 1,406,000,000 1,530,000,000 308,000,000 388,000,000 683,000,000 893,000,000 976,000,000 1,033,000,000 1,006,000,000 1,111,000,000 1,242,000,000 1,067,000,000 1,091,000,000 1,698,000,000 1,593,000,000 799,000,000 771,000,000 -368,000,000 -61,000,000 708,000,000 770,000,000 753,000,000 726,000,000 687,000,000 720,000,000 669,000,000 666,000,000 387,000,000 602,000,000 546,000,000 564,000,000 563,000,000 639,000,000 616,000,000 575,000,000 599,000,000 586,000,000 455,000,000 673,000,000 550,717,000 626,686,000 536,591,000 631,006,000 512,579,000 648,818,000 600,419,000 464,892,000 349,642,000 260,617,000 258,067,000 -103,538,000 352,537,000 577,454,000 225,800,000 120,394,000 432,335,000 180,053,000 234,148,000 81,214,000 
      adjustments to reconcile net income to net cash from operating activities:
    		                                                             
      benefit from credit losses
    		1,244,000,000 1,202,000,000 1,473,000,000 739,000,000 1,497,000,000 1,909,000,000 1,702,000,000 1,305,000,000 1,102,000,000 883,000,000 773,000,000 549,000,000 154,000,000 263,000,000 185,000,000 135,000,000 -365,000,000 531,000,000 750,000,000 2,046,000,000 1,807,000,000                                         
      deferred income taxes
    		68,000,000 78,000,000 141,000,000 142,000,000 -199,000,000 -156,000,000 -201,000,000 -157,000,000 -112,000,000 -113,000,000 -174,000,000 -130,000,000 -10,000,000 -61,000,000 -51,000,000 207,000,000 232,000,000 -72,000,000 -69,000,000 -291,000,000 -240,000,000                   -165,000,000 121,000,000 -13,001,000 33,347,000 38,658,000 86,996,000 -119,841,000 145,175,000 94,168,000 112,511,000 49,450,000 78,080,000 85,969,000 -100,918,000 62,465,000 118,469,000 -46,166,000 -196,763,000 -175,521,000 -63,966,000 -57,270,000 34,403,000 
      depreciation and amortization
    		11,000,000 31,000,000 91,000,000 82,000,000 96,000,000 104,000,000 106,000,000 119,000,000 129,000,000 137,000,000 145,000,000 140,000,000 139,000,000 144,000,000 139,000,000 129,000,000 119,000,000 123,000,000 116,000,000 123,000,000 123,000,000 121,000,000 113,000,000 103,000,000 99,000,000 109,000,000 110,000,000 109,000,000 107,000,000 104,000,000 101,000,000 95,000,000 93,000,000 89,000,000 86,000,000 92,000,000 84,000,000 98,000,000 95,000,000                       
      amortization of deferred revenues
    		-101,000,000 -101,000,000 -98,000,000 -103,000,000 -123,000,000 -133,000,000 -120,000,000 -110,000,000 -105,000,000 -104,000,000 -99,000,000 -86,000,000 -76,000,000  -73,000,000 -70,000,000 -74,000,000                       -71,000,000 -48,000,000 -49,992,000 -51,968,000 -49,059,000 -52,981,000 -63,364,000 -67,532,000 -63,407,000 -60,351,000 -57,075,000 -45,954,000 -49,473,000 -42,065,000 -128,786,000 -1,277,000 -1,461,000 -1,860,000 -39,644,000 -35,180,000 -3,763,000 -5,587,000 
      net incomees on investments and other assets
    		16,000,000 20,000,000 14,000,000 15,000,000 16,000,000  3,000,000 7,000,000 30,000,000                                                     
      other
    		27,000,000 22,000,000 31,000,000 0 29,000,000 47,000,000 12,000,000 26,000,000 25,000,000 52,000,000 25,000,000 28,000,000 20,000,000 30,000,000 26,000,000 178,000,000 23,000,000 113,000,000 19,000,000 58,000,000 10,000,000 -15,000,000 -25,000,000 -10,000,000 -1,000,000 15,000,000 -166,000,000 140,000,000 -96,000,000 403,000,000 -75,000,000 22,000,000 11,000,000 -6,000,000 80,000,000 35,000,000 4,000,000 23,000,000 -8,000,000                       
      changes in assets and liabilities:
    		                                                             
      increase in other assets
    		-49,000,000   -77,000,000 -246,000,000 -222,000,000 -418,000,000   -496,000,000 -88,000,000 -135,000,000 -127,000,000 -223,000,000 -63,000,000 -60,000,000 -150,000,000     -169,000,000 -10,000,000 6,000,000 -29,000,000     -443,000,000       -33,000,000 -35,000,000 -40,000,000 -126,000,000 -88,000,000 17,661,000 -12,792,000     101,795,000 -43,733,000 29,280,000 29,885,000 -90,219,000 -170,051,000 -13,754,000 -33,618,000 -66,821,000 9,469,000 -42,414,000 -81,521,000 -17,813,000 -30,053,000 
      decrease in accrued expenses and other liabilities
    		-188,000,000                           210,000,000 -351,000,000      259,000,000   -327,000,000 216,000,000                       
      net cash from operating activities
    		2,132,000,000 1,980,000,000 2,024,000,000 2,578,000,000 1,843,000,000 2,876,000,000 2,389,000,000 1,507,000,000 1,791,000,000 2,175,000,000 1,619,000,000 1,612,000,000 1,734,000,000 1,342,000,000 1,621,000,000 1,548,000,000 1,508,000,000 1,633,000,000 1,296,000,000 1,587,000,000 1,680,000,000 1,464,000,000 819,000,000 1,578,000,000 2,335,000,000 761,000,000 1,606,000,000 1,586,000,000 1,238,000,000 1,624,000,000 1,552,000,000 1,019,000,000 1,013,000,000 1,292,000,000 1,317,000,000 658,000,000 1,158,000,000 600,000,000 1,063,000,000 1,291,000,000 1,492,000,000 881,796,000 656,432,000 492,100,000 1,010,672,000 797,600,000 556,073,000 976,859,000 1,279,083,000 1,165,824,000 262,955,000 1,308,705,000 1,135,102,000 1,001,743,000 682,571,000 1,385,199,000 528,379,000 1,631,059,000 1,306,834,000 744,629,000 821,637,000 
      capital expenditures
    		0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 
      free cash flows
    		2,132,000,000 1,980,000,000 2,024,000,000 2,578,000,000 1,843,000,000 2,876,000,000 2,389,000,000 1,507,000,000 1,791,000,000 2,175,000,000 1,619,000,000 1,612,000,000 1,734,000,000 1,342,000,000 1,621,000,000 1,548,000,000 1,508,000,000 1,633,000,000 1,296,000,000 1,587,000,000 1,680,000,000 1,464,000,000 819,000,000 1,578,000,000 2,335,000,000 761,000,000 1,606,000,000 1,586,000,000 1,238,000,000 1,624,000,000 1,552,000,000 1,019,000,000 1,013,000,000 1,292,000,000 1,317,000,000 658,000,000 1,158,000,000 600,000,000 1,063,000,000 1,291,000,000 1,492,000,000 881,796,000 656,432,000 492,100,000 1,010,672,000 797,600,000 556,073,000 976,859,000 1,279,083,000 1,165,824,000 262,955,000 1,308,705,000 1,135,102,000 1,001,743,000 682,571,000 1,385,199,000 528,379,000 1,631,059,000 1,306,834,000 744,629,000 821,637,000 
      cash flows from investing activities
    		                                                             
      maturities of other short-term investments
    		750,000,000             0 0 0 2,200,000,000                             0 0   0 0 175,000,000 1,175,000,000         
      maturities of available-for-sale investment securities
    		397,000,000 649,000,000 522,000,000 524,000,000 522,000,000 400,000,000 526,000,000 503,000,000 402,000,000 407,000,000 517,000,000 391,000,000 769,000,000 1,018,000,000 775,000,000 530,000,000 404,000,000 283,000,000 286,000,000 281,000,000 157,000,000 34,000,000 36,000,000 36,000,000 34,000,000 36,000,000 716,000,000 42,000,000 44,000,000  50,000,000                    146,108,000           
      purchases of available-for-sale investment securities
    		-375,000,000 -626,000,000 -1,518,000,000 -487,000,000 -475,000,000 -369,000,000 -464,000,000 -1,878,000,000 -285,000,000 -5,681,000,000    0        0 -3,068,000,000 -2,259,000,000 -1,856,000,000 -1,571,000,000              -132,000,000 -90,000,000 -107,065,000 -173,876,000 -980,133,000 -554,926,000 -773,005,000 -517,745,000 -567,445,000 -542,025,000 -4,046,125,000 -310,561,000 -659,760,000 -269,310,000         
      maturities of held-to-maturity investment securities
    		5,000,000 4,000,000 4,000,000 4,000,000 4,000,000 4,000,000 4,000,000 5,000,000 3,000,000 6,000,000 4,000,000 10,000,000 12,000,000 19,000,000 18,000,000 25,000,000 20,000,000 20,000,000 16,000,000 11,000,000 7,000,000 10,000,000 9,000,000 6,000,000 6,000,000 5,000,000 4,000,000 5,000,000 4,000,000 4,000,000 5,000,000 3,000,000 4,000,000 7,000,000 8,000,000 4,000,000 5,000,000 5,000,000 2,000,000 -17,000,000 13,000,000 1,899,000 5,116,000 1,029,000 2,956,000 1,016,000 5,580,000 2,814,000 9,072,000 1,808,000 13,550,000 1,796,000 4,433,000         
      purchases of held-to-maturity investment securities
    		-7,000,000 0 -13,000,000 -10,000,000 -12,000,000 0 -16,000,000 -20,000,000 -13,000,000 -10,000,000 -13,000,000 -13,000,000 -14,000,000 0 -3,000,000 -9,000,000 -16,000,000 0 -14,000,000 -16,000,000 -14,000,000 -12,000,000 -20,000,000 -22,000,000 -12,000,000 0 -20,000,000 -29,000,000 -33,000,000 0 -4,000,000 -19,000,000 -17,000,000 0 -10,000,000 -30,000,000 -16,000,000 -15,000,000 -17,000,000 -52,000,000  285,000 -549,000 0 -50,736,000 -1,400,000 0   -550,000 0           
      net change in principal on loans originated for investment
    		2,311,000,000 -3,826,000,000 -1,962,000,000 -2,503,000,000 398,000,000 -6,789,000,000 -5,783,000,000 -6,117,000,000 -1,245,000,000 -7,664,000,000 -6,007,000,000 -6,187,000,000 -103,000,000                                                 
      proceeds from the sale of other investments
    		 23,000,000 1,000,000 0 1,000,000 40,000,000 0 3,000,000 1,000,000 11,000,000 109,000,000 145,000,000 71,000,000                                                 
      purchases of other investments
    		-11,000,000 -39,000,000 -22,000,000 -13,000,000 -9,000,000 -40,000,000 -26,000,000 -18,000,000 -16,000,000 -34,000,000 -20,000,000 -92,000,000 -23,000,000 -62,000,000 -67,000,000 -20,000,000 -21,000,000 -18,000,000 -14,000,000 -26,000,000 -14,000,000 -19,000,000 -28,000,000 -15,000,000 -6,000,000 -45,000,000 -15,000,000   -34,000,000 -8,000,000 -9,000,000 -14,000,000 -28,000,000 -11,000,000 -11,000,000 -1,000,000 -18,000,000 -5,000,000 16,000,000 -31,000,000                     
      purchases of premises and equipment
    		-64,000,000 -63,000,000 -69,000,000 -65,000,000 -71,000,000 -68,000,000 -77,000,000 -82,000,000 -76,000,000 -58,000,000 -79,000,000 -48,000,000 -51,000,000 -48,000,000 -49,000,000 -56,000,000 -41,000,000 -55,000,000 -53,000,000 -94,000,000 -59,000,000 -72,000,000 -61,000,000 -69,000,000 -82,000,000 -77,000,000 -59,000,000 -60,000,000 -58,000,000  -58,000,000 -56,000,000 -47,000,000 -47,000,000 -46,000,000 -40,000,000 -46,000,000 -47,000,000 -41,000,000 32,000,000 -59,000,000 -39,315,000 -48,690,000 -29,624,000 -26,371,000 -41,507,000 -20,185,000 -34,282,000 -15,586,000 -25,138,000 -12,077,000 -9,635,000 -7,826,000 -12,140,000 -11,721,000 -11,806,000 -18,126,000 -15,118,000 -32,980,000 -25,075,000 -20,359,000 
      net cash from investing activities
    		3,006,000,000 619,000,000 -2,238,000,000 -2,490,000,000 358,000,000 -6,822,000,000 -5,836,000,000 -7,604,000,000 -1,229,000,000 -13,014,000,000 -7,490,000,000 -5,794,000,000 661,000,000 -3,391,000,000 -1,510,000,000 -1,247,000,000 6,188,000,000 3,696,000,000 -5,575,000,000 996,000,000 2,397,000,000 -3,055,000,000 -6,030,000,000 -4,421,000,000 -1,768,000,000 -5,814,000,000 -3,036,000,000 -2,645,000,000 916,000,000 -3,089,000,000 -4,103,000,000 -1,568,000,000 -17,000,000 -2,291,000,000 -2,007,000,000 -1,578,000,000 982,000,000 -2,294,000,000 3,253,000,000  2,625,000,000 -3,652,452,000 -318,346,000 -2,852,518,000 1,130,316,000 -4,139,953,000 -2,246,120,000 -1,635,963,000 -99,514,000 -4,144,037,000 -1,119,129,000 1,654,729,000 -1,114,515,000     -3,861,660,000 -1,893,889,000 200,591,000 -576,004,000 
      cash flows from financing activities
    		                                                             
      net change in short-term borrowings
    		   0 -750,000,000     0 -1,800,000,000 1,800,000,000 -1,750,000,000                                                 
      net change in deposits
    		1,173,000,000 -2,883,000,000 1,490,000,000 -2,090,000,000 1,488,000,000 4,902,000,000 5,021,000,000 3,239,000,000 4,088,000,000 8,726,000,000 6,475,000,000 3,925,000,000 82,000,000                                                 
      maturities and repayment of securitized debt
    		-1,250,000,000  -1,153,000,000 -1,329,000,000 -4,000,000 -5,000,000 -304,000,000 -5,000,000 -1,180,000,000 -1,829,000,000 -5,000,000 -5,000,000 -2,556,000,000 -6,000,000 -1,806,000,000 -1,632,000,000 -7,000,000 -557,000,000 -1,308,000,000 -1,157,000,000 -509,000,000 -9,000,000 -2,208,000,000 -1,210,000,000 -2,860,000,000 -559,000,000 -1,551,000,000 -543,000,000 -1,794,000,000 -1,244,000,000 -1,064,000,000 -1,726,000,000 -925,000,000 -1,376,000,000 -77,000,000 -986,000,000 -980,000,000 -888,000,000 -1,083,000,000 -1,141,000,000 -899,000,000 -103,960,000 -2,904,264,000 -633,908,000 -109,868,000                 
      maturities and repayments of other long-term borrowings
    		-506,000,000 -1,026,000,000 -750,000,000 0 -1,000,000 -532,000,000 -1,005,000,000 -3,000,000 -800,000,000                                                     
      proceeds from issuance of common stock
    		4,000,000 3,000,000 3,000,000 4,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 2,000,000 3,000,000 2,000,000 2,000,000 2,000,000 3,000,000 2,000,000 3,000,000 2,000,000 3,000,000 2,000,000 1,000,000 2,000,000 2,000,000 2,000,000 1,000,000 2,000,000 1,000,000 2,000,000 1,000,000 2,000,000 1,000,000 1,000,000 2,000,000 0 4,000,000 1,000,000 2,000,000 1,000,000 -7,000,000 5,000,000 9,769,000 1,629,000 12,171,000 2,431,000 4,718,000 10,775,000 6,222,000 931,000             
      purchases of treasury stock
    		-29,000,000 -21,000,000 -8,000,000 -26,000,000 -28,000,000 -1,000,000 -4,000,000 -701,000,000 -1,232,000,000 -602,000,000 -212,000,000 -601,000,000 -944,000,000 -773,000,000 -815,000,000 -553,000,000 -119,000,000 -5,000,000 0 0 -343,000,000 -401,000,000 -419,000,000 -461,000,000 -487,000,000 -465,000,000 -460,000,000 -556,000,000 -584,000,000 -555,000,000 -556,000,000 -450,000,000 -520,000,000 -478,000,000 -581,000,000 -426,000,000 -423,000,000 -425,000,000 -420,000,000 -614,000,000 -261,000,000 -402,104,000 -352,429,000 -447,171,000 -14,296,000 -227,236,000 -202,462,000 -94,000 -5,004,000    -5,383,000 -1,037,000 -3,751,000 -436,000 -6,161,000 -1,090,000 -2,762,000 -1,993,000 -993,000 
      dividends paid on common and preferred stock
    		-194,000,000 -192,000,000 -192,000,000 -193,000,000 -194,000,000 -192,000,000 -193,000,000 -192,000,000 -175,000,000 -179,000,000 -181,000,000 -183,000,000 -160,000,000 -162,000,000 -164,000,000 -151,000,000 -159,000,000 -152,000,000 -135,000,000 -151,000,000 -138,000,000 -153,000,000 -141,000,000 -145,000,000 -134,000,000 -151,000,000 -137,000,000 -122,000,000 -142,000,000 -137,000,000 -139,000,000 -124,000,000 -127,000,000 -128,000,000 -132,000,000 -125,000,000 -129,000,000 -135,000,000 -119,000,000 -173,000,000 -79,000,000     -39,861,000 -29,211,000 -29,475,000 -11,026,000 -10,976,000 -10,958,000 -22,206,000 -26,291,000 -26,297,000 -25,070,000       
      net cash from financing activities
    		-802,000,000 -4,923,000,000 140,000,000 -3,634,000,000 514,000,000 6,441,000,000 4,036,000,000 4,578,000,000 704,000,000 7,866,000,000 6,270,000,000 6,010,000,000 -4,084,000,000 633,000,000 -3,731,000,000 -4,607,000,000 -611,000,000 -1,829,000,000 -799,000,000 1,373,000,000 170,000,000 2,443,000,000 -30,000,000 -1,017,000,000 -499,000,000 3,589,000,000 2,120,000,000 -120,000,000 1,557,000,000 1,522,000,000 2,850,000,000 -1,664,000,000 2,253,000,000 837,000,000 2,149,000,000 -598,000,000 423,000,000 475,000,000 214,000,000 695,000,000 1,366,000,000 458,889,000 787,455,000 1,157,335,000 1,324,321,000 2,234,671,000 1,874,612,000 -739,361,000 -1,106,877,000 160,855,000 -1,563,464,000 -5,356,026,000 -312,985,000 3,132,129,000 793,714,000 142,117,000 1,344,504,000 1,919,025,000 2,121,009,000 -829,538,000 -175,053,000 
      net increase in cash, cash equivalents and restricted cash
    		4,336,000,000 -2,324,000,000   2,715,000,000 2,495,000,000 589,000,000 -1,519,000,000 1,266,000,000 -2,973,000,000 399,000,000 1,828,000,000 -1,689,000,000 -1,416,000,000 -3,620,000,000 -4,306,000,000 7,085,000,000 3,500,000,000 -5,078,000,000 3,956,000,000 4,247,000,000 852,000,000 -5,241,000,000 -3,860,000,000 68,000,000 -1,464,000,000 690,000,000 -1,179,000,000 3,711,000,000                                 
      cash, cash equivalents and restricted cash, at the beginning of the period
    		8,499,000,000 0 0 0 11,728,000,000 0 0 0 8,897,000,000 0 0 0 11,332,000,000  0                                               
      cash, cash equivalents and restricted cash, at the end of the period
    		12,835,000,000 -2,324,000,000 -74,000,000 -3,546,000,000 14,443,000,000 2,495,000,000 589,000,000 -1,519,000,000 10,163,000,000 -2,973,000,000 399,000,000 1,828,000,000 9,643,000,000  -3,620,000,000                                               
      reconciliation of cash, cash equivalents and restricted cash
    		                                                             
      cash and cash equivalents
    		11,865,000,000 -2,313,000,000 -78,000,000 -3,139,000,000 14,004,000,000 2,491,000,000 589,000,000 -1,525,000,000 10,130,000,000 -1,148,000,000 -1,435,000,000 1,814,000,000 9,625,000,000 -3,966,000,000 -2,729,000,000 -4,903,000,000 20,348,000,000 4,051,000,000 -5,625,000,000 5,110,000,000 10,028,000,000 849,000,000 -4,238,000,000 -4,856,000,000 15,169,000,000 -2,720,000,000 730,000,000 -1,722,000,000 17,011,000,000                                 
      restricted cash
    		970,000,000 -11,000,000 4,000,000 -407,000,000 439,000,000 4,000,000 0 6,000,000 33,000,000 -1,825,000,000 1,834,000,000 14,000,000 18,000,000 2,550,000,000 -891,000,000 597,000,000 326,000,000 -551,000,000 547,000,000 -1,154,000,000 1,183,000,000 3,000,000 -1,003,000,000 996,000,000 44,000,000 1,256,000,000 -40,000,000 543,000,000 87,000,000                                 
      gains related to loans sold
    		                                                             
      decrease (increase) in other assets
    		 -35,000,000       133,000,000         -94,000,000 -176,000,000 -41,000,000 429,000,000            181,000,000  15,000,000          5,450,000                 
      increase in accrued expenses and other liabilities
    		   250,000,000 465,000,000 929,000,000 622,000,000 -425,000,000 -387,000,000 768,000,000 11,000,000 82,000,000 219,000,000 51,000,000 190,000,000 49,000,000 120,000,000 294,000,000 -46,000,000 167,000,000 -279,000,000 86,000,000 -727,000,000 28,000,000 822,000,000 -711,000,000    581,000,000   -338,000,000    189,000,000   359,000,000 617,000,000 101,374,000 205,147,000 -145,409,000 187,888,000 242,694,000 -320,729,000 57,968,000 369,669,000 212,177,000 -783,960,000 429,368,000 110,896,000 -90,173,000 -217,471,000 515,444,000 -753,360,000 269,754,000 805,542,000 57,317,000 40,155,000 
      purchases of other short-term investments
    		 -4,636,000,000                0 -5,498,000,000   0 0 0 -1,000,000,000          0        0       0 0           
      proceeds from the sale of loans originated for investment
    		 9,125,000,000                                                            
      proceeds from the sale of available for sale securities
    		                                                             
      proceeds from sale of premises and equipment
    		 0 0                                       485,000 0 0 515,000 3,000,000                
      proceeds from issuance of securitized debt
    		     -2,000,000 -5,000,000   994,000,000 1,991,000,000 1,393,000,000 1,242,000,000 -4,000,000        1,492,000,000 793,000,000 -7,000,000 1,241,000,000 1,690,000,000 892,000,000 518,000,000 1,666,000,000 817,000,000 1,290,000,000 1,662,000,000 1,290,000,000 44,000,000 1,193,000,000 842,000,000 991,000,000 800,000,000 950,000,000 1,799,000,000 1,700,000,000 750,383,000 3,099,844,000 1,000,000,000 999,773,000 1,200,000,000 1,000,000,000 1,000,000,000 500,000,000 800,000,000 0           
      maturities, repayments and transfers of securitized debt
    		                                                             
      proceeds from issuance of other long-term borrowings
    		     1,518,000,000            0 -1,000,000 -1,000,000 496,000,000 -1,000,000 746,000,000 -1,000,000 596,000,000 -2,000,000 1,391,000,000 22,000,000 822,000,000 29,000,000 48,000,000 45,000,000 1,005,000,000 22,000,000 1,027,000,000 35,000,000 38,000,000 1,250,000,000 499,000,000 398,000,000 750,000,000          0           
      supplemental disclosures of cash flow information:
    		                                                             
      cash paid during the period for:
    		                                                             
      interest expense
    		                                       188,000,000 231,000,000 304,874,000 260,207,000 347,356,000 290,563,000 297,059,000 310,307,000 351,306,000 383,757,000 326,870,000 359,895,000 395,362,000 369,924,000 336,885,000 285,875,000 316,322,000 327,345,000 307,295,000 279,289,000 329,769,000 389,201,000 
      income taxes, net of income tax refunds
    		                                       267,000,000 113,000,000 333,226,000 315,775,000 606,006,000 45,993,000 270,752,000 258,284,000 338,867,000 38,209,000 57,018,000 55,038,000 42,848,000 14,141,000 382,162,000 232,949,000 299,085,000 -208,000 437,701,000 104,042,000 130,922,000 -1,902,000 
      gain related to loans sold
    		                                                             
      supplemental disclosures of non-cash information:
    		                                                             
      net transfers from loans held-for-investment to loans held-for-sale
    		  -1,661,000,000                                                           
      proceeds from the sale of other real estate owned
    		                                                             
      net decrease in cash, cash equivalents and restricted cash
    		                                                             
      net incomees (gains) on investments and other assets
    		                10,000,000                                             
      proceeds from issuance of preferred stock
    		                 0 0                                           
      cash paid during the period for
    		                                                             
      net unrealized and realized losses (gains) on investments and other assets
    		          20,000,000                                                   
      proceeds from the sale of available-for-sale securities
    		                                                             
      cash flows used for by financing activities
    		                                                             
      maturities and repayment of other long-term borrowings
    		          0    -759,000,000 0 -163,000,000 -1,000,000 -1,000,000 -1,752,000,000 -1,000,000 -200,000,000 -79,000,000 -4,000,000 -3,000,000 -1,000,000,000 -3,000,000 -2,000,000 -751,000,000 -1,000,000 -2,000,000                               
      net unrealized and realized losses on investments and other assets
    		            173,000,000                                                 
      amortization of deferred revenues and accretion of accretable yield on acquired loans
    		                 -75,000,000 -80,000,000 -79,000,000 -86,000,000 -110,000,000 -110,000,000 -100,000,000 -101,000,000 -101,000,000 -104,000,000 -97,000,000 -101,000,000 -100,000,000 -104,000,000 -97,000,000 -98,000,000 -97,000,000 -100,000,000 -100,000,000 -98,000,000 -108,000,000 -113,000,000                       
      net unrealized and realized (gains) losses on investments and other assets
    		                                                             
      net principal (disbursed) repaid on loans originated for investment
    		             -4,319,000,000                                                
      net increase in short-term borrowings
    		                                     -22,000,000 53,000,000 219,000,000 -37,000,000 33,861,000 250,139,000 0 -50,000,000 -50,000,000 0 0 100,000,000        1,875,000,000    -208,973,000 
      net increase in deposits
    		             -174,000,000 -1,920,000,000 -2,274,000,000 -165,000,000 -1,117,000,000 644,000,000 3,938,000,000 663,000,000 1,714,000,000 1,276,000,000 809,000,000 1,146,000,000 4,075,000,000 1,986,000,000 562,000,000 2,338,000,000 2,624,000,000 3,271,000,000 -671,000,000 1,529,000,000 2,751,000,000 719,000,000 58,000,000 925,000,000 -107,000,000 333,000,000 205,000,000 187,000,000 -162,115,000 744,430,000 1,394,210,000 562,475,000 1,994,154,000 2,345,128,000 360,189,000 442,435,000 166,577,000 -775,170,000 -1,006,336,000 2,958,602,000 2,526,200,000 420,274,000 818,662,000 -192,616,000 1,567,911,000 2,188,426,000 -161,987,000 221,807,000 
      cash, cash equivalents and restricted cash, at beginning of period
    		                13,589,000,000 0 0 0 6,964,000,000 0 0 0 15,145,000,000 0 0 0 13,387,000,000                                 
      cash, cash equivalents and restricted cash, at end of period
    		                20,674,000,000 3,500,000,000 -5,078,000,000 3,956,000,000 11,211,000,000 852,000,000 -5,241,000,000 -3,860,000,000 15,213,000,000 -1,464,000,000 690,000,000 -1,179,000,000 17,098,000,000                                 
      net unrealized and realized gains on investments and other assets
    		              177,000,000                                               
      net principal repaid on loans originated for investment
    		               -1,717,000,000 3,642,000,000    2,268,000,000    1,148,000,000        1,010,000,000    1,793,000,000  2,129,000,000                       
      proceeds from sale of other investments
    		                  0 42,000,000 52,000,000                                         
      net (gains) losses on investments and other assets
    		                                                             
      net principal repaid (disbursed) on loans originated for investment
    		                 -2,271,000,000 -298,000,000                                           
      proceeds from returns of investment
    		                             0 3,000,000                               
      supplemental disclosures of cash flow information
    		                                                             
      net (gain) loss on investments and other assets
    		                  11,000,000 -28,000,000 -23,000,000                                         
      cash flows used for investing activities
    		                                                             
      adjustments to reconcile net income to net cash from operating activities
    		                                                             
      changes in assets and liabilities
    		                                                             
      benefit from loan losses
    		                     836,000,000 799,000,000 787,000,000 809,000,000 800,000,000 742,000,000 742,000,000 751,000,000 679,000,000 674,000,000 640,000,000 586,000,000 578,000,000 445,000,000 412,000,000 424,000,000 306,000,000 390,000,000 711,000,000 159,000,000 337,599,000 126,288,000 232,584,000 151,529,000 320,587,000 99,514,000 175,540,000 417,709,000 382,670,000 712,565,000 724,264,000 1,387,206,000 399,732,000 380,999,000 643,861,000 937,813,000 714,175,000 364,838,000 212,135,000 324,477,000 
      net income on investments and other assets
    		                     7,000,000 9,000,000 11,000,000 10,000,000 12,000,000 11,000,000 11,000,000 11,000,000                                 
      net principal disbursed on loans originated for investment
    		                     -3,996,000,000 -2,898,000,000   -4,162,000,000 -2,679,000,000 -2,598,000,000 959,000,000 -4,246,000,000 -2,905,000,000   -3,988,000,000      -4,343,000,000 2,102,000,000 -1,552,313,000 -1,909,550,000 -928,728,000 305,591,000                 
      payments on redemption of preferred stock
    		                                                             
      decrease in other assets
    		                           -61,000,000 251,000,000                                 
      reconciliation of cash, cash equivalents and restricted cash:
    		                                                             
      net gain on investments and other assets
    		                                                             
      proceeds from sale of mortgage loans originated for sale
    		                                     1,149,000,000 1,083,000,000 -742,000,000 1,249,000,000 1,247,185,000                    
      net principal disbursed on mortgage loans originated for sale
    		                                     -1,092,000,000 -1,110,000,000 501,000,000 -1,156,000,000 -1,238,323,000                    
      maturities and sales of available-for-sale investment securities
    		                                52,000,000 63,000,000 608,000,000 513,000,000 158,000,000 69,000,000 1,188,000,000 96,000,000 1,015,000,000 224,551,000 468,559,000 598,664,000 491,226,000 540,955,000 164,956,000 288,553,000 332,954,000    68,214,000         
      decrease in restricted cash
    		                                            924,513,000                 
      net purchases of premises and equipment
    		                                                             
      proceeds from sale of subsidiaries
    		                                                             
      net decrease in short-term borrowings
    		                                                             
      net increase in cash and cash equivalents
    		                             57,000,000 299,000,000 -2,213,000,000 3,249,000,000 -162,000,000 1,459,000,000 -1,518,000,000 2,563,000,000 -1,219,000,000 4,530,000,000 -2,309,000,000 5,483,000,000 -2,311,767,000       72,692,000 -2,817,358,000    2,192,477,000 1,133,417,000 970,617,000 -1,446,935,000 -311,576,000 1,533,954,000 114,590,000 47,080,000 
      cash and cash equivalents, at beginning of period
    		                             0 0 0 11,914,000,000 0 0 0 9,572,000,000 0 7,284,000,000 3,970,000,000 2,584,000,000 157,000 0 0 2,849,843,000 0 0 0 5,098,733,000  0 0 13,020,719,000  0 0 10,171,143,000  0 0 8,787,095,000 
      cash and cash equivalents, at end of period
    		                             57,000,000 299,000,000 -2,213,000,000 15,163,000,000 -162,000,000 1,459,000,000 -1,518,000,000 12,135,000,000 -1,219,000,000 11,814,000,000 1,661,000,000 8,067,000,000 -2,311,610,000 1,125,541,000 -1,203,083,000 6,315,152,000 -1,107,682,000 184,565,000 -1,398,465,000 5,171,425,000  -2,419,638,000 -2,392,592,000 12,728,321,000  1,133,417,000 970,617,000 8,724,208,000  1,533,954,000 114,590,000 8,834,175,000 
      increase in restricted cash
    		                              -1,186,000,000 1,007,000,000 -1,005,000,000    -911,000,000 -645,000,000 -3,000,000  -192,000,000                     
      net income investments and other assets
    		                               13,000,000 14,000,000                             
      net gain on origination and sale of loans, investments, and other assets
    		                                                             
      net gain on origination and sale of loans, investments and other assets
    		                                  14,000,000 13,000,000 13,000,000 -13,000,000 -36,000,000                       
      decrease (increase) in restricted cash
    		                                                             
      depreciation and amortization on premises and equipment
    		                                       43,000,000 25,000,000 24,069,000 24,362,000 23,594,000 22,975,000 23,116,000 22,281,000 21,951,000 22,042,000 21,036,000 21,858,000 22,583,000 23,689,000 24,539,000 24,257,000 24,189,000 24,945,000 26,151,000 25,379,000 25,866,000 29,755,000 
      other depreciation and amortization
    		                                       79,000,000 43,000,000 274,927,000 -28,792,000 -35,650,000 -38,485,000 -33,971,000 18,156,000 -32,466,000 -21,036,000 24,892,000 20,468,000 18,742,000 18,737,000 116,526,000 -5,635,000 -6,462,000 1,133,000 32,127,000 31,319,000 29,975,000 30,826,000 
      accretion of accretable yield on acquired loans
    		                                       -55,000,000 -70,000,000                     
      gain on investments
    		                                       -1,000,000 -3,000,000     0                
      loss on equity method and other investments
    		                                       16,000,000 4,000,000 2,939,000 3,207,000 2,431,000 2,423,000                 
      loss on premises and equipment
    		                                             0                
      gain on origination and sale of loans
    		                                       46,000,000                      
      stock-based compensation expense
    		                                       15,000,000 17,000,000 10,892,000 11,864,000 10,712,000 13,532,000 10,087,000 11,050,000 10,765,000 11,875,000 7,527,000 8,631,000 9,630,000 11,293,000 9,372,000 9,649,000 14,145,000 11,083,000 13,602,000 16,253,000 23,153,000 39,550,000 
      elimination of credit card rewards program forfeitures
    		                                                             
      impairment of goodwill
    		                                                             
      loss on diners club italy business held for sale
    		                                                             
      proceeds from sale of student loans held for sale
    		                                         -1,020,000                    
      purchases of loan receivables
    		                                        -133,000,000                     
      purchase of net assets of a business
    		                                         -114,000                    
      repayment of long-term borrowings and bank notes
    		                                         -319,000 0 0 -12,681,000         -64,913,000        
      payment of contingent consideration for purchase of net assets of a business, at fair value
    		                                                             
      premium paid on debt exchange
    		                                         -176,507,000 0                   
      non-cash investing and financing transactions:
    		                                                             
      initial fair value of contingent consideration paid for purchase of net assets of a business
    		                                                             
      assumption of debt by buyer related to loans sold
    		                                         7,000 0 60,000 424,933,000                 
      gain on premises and equipment
    		                                                             
      net cash provided (used) by investing activities
    		                                                             
      initial fair value of contingent consideration to be paid for purchase of net assets of a business
    		                                         -541,000                    
      (gain) loss on origination and sale of loans
    		                                        -51,000,000                     
      (gain) loss on investments
    		                                         -25,972,000 0                   
      gain on purchase of business
    		                                             9,082,000 0 0 -15,917,000             
      purchase of business, net of cash acquired
    		                                             0 0 -35,109,000 -366,049,000             
      decrease in restricted cash - special dividend escrow
    		                                                             
      increase in restricted cash - other
    		                                                             
      proceeds from acquisition of deposits
    		                                                 0 0           
      redemption of preferred stock
    		                                                 0 0           
      repurchase of warrant
    		                                                 0            
      dividend paid to morgan stanley
    		                                                 0 0           
      assumption of slc debt
    		                                             0 0 0 2,921,372,000             
      special dividend - morgan stanley
    		                                                             
      (gain) loss on premises and equipment
    		                                          0 0 -494,000                 
      loss on sale of other assets
    		                                          0 -1,000 315,000                 
      (gain) on origination and sale of loans
    		                                                             
      (gain) on purchase of business
    		                                                             
      purchase of loan receivables
    		                                          -107,826,000 -58,580,000 -223,669,000 -2,568,923,000 -131,266,000 -69,239,000 -395,658,000             
      purchase of other investments
    		                                          -5,043,000 -13,322,000 -8,803,000                 
      dividends paid on common stock
    		                                          -51,894,000 -53,474,000 -53,513,000                 
      non-cash transactions:
    		                                                             
      gain on loans sold and held for sale
    		                                                             
      proceeds from sale of loans held for sale
    		                                           0 270,020,000                 
      net decrease in cash and cash equivalents
    		                                           -1,203,083,000 3,465,309,000  184,565,000     -2,392,592,000 -292,398,000         
      loss on loans sold and held for sale
    		                                            518,000                 
      post-closing adjustment payable - slc acquisition
    		                                                             
      (gain) loss on loans sold and held for sale
    		                                                             
      net principal disbursed on loans originated for sale
    		                                                 4,874,000 -48,393,000           
      proceeds from sales of loans originated for sale
    		                                                             
      decrease in amounts due from asset securitization
    		                                                             
      proceeds from sale of loans originated for investment
    		                                                             
      proceeds from securitization
    		                                                             
      decrease (increase) in restricted cash—special dividend escrow
    		                                                  0           
      decrease (increase) in restricted cash—other
    		                                                             
      proceeds from issuance of preferred stock and warrant
    		                                                             
      maturities of securitized debt
    		                                             -630,539,000 -1,238,692,000 -2,057,109,000 -1,819,185,000 -750,000,000 -200,000,000 -5,217,545,000 -3,142,983,000         
      net decrease (increase) in cash and cash equivalents
    		                                                             
      acquisition of certificated beneficial interests in dcent and dcmt, net of maturities
    		                                                     1,913,356,000        
      special dividend—morgan stanley
    		                                                  0 0 33,757,000  -140,250,000       
      gain on loans sold
    		                                                             
      net change in loans originated for sale
    		                                              18,301,000 9,978,000 21,440,000             
      proceeds from sale of loans held for investment
    		                                                             
      net principal disbursed on loans held for investment
    		                                              -1,810,210,000 -1,257,410,000 -7,185,000 -1,054,011,000 -949,567,000 -794,358,000 -291,098,000 -1,751,620,000 -1,755,312,000 -667,054,000 -3,229,840,000 -3,761,626,000 -2,862,480,000 -1,693,211,000 -3,109,438,000 
      purchase of other investment
    		                                                             
      decrease in restricted cash—special dividend escrow
    		                                                    643,311,000         
      decrease in restricted cash—for securitization investors
    		                                              77,139,000    -6,584,000           
      maturities of other long-term borrowings
    		                                              -10,926,000 -19,094,000 -315,028,000  -402,476,000 -116,270,000 -71,930,000         
      excess tax benefits related to stock-based compensation
    		                                                  -184,000           
      gain on investment securities
    		                                                             
      gain on equipment
    		                                               0 123,000    33,000  440,000 -49,000 -14,000     
      proceeds from sale of equipment
    		                                               0 13,000 99,000 2,000   2,000 -266,000 374,000 1,139,000     
      cash paid during the year for:
    		                                                             
      (gain) loss on investment securities
    		                                                -141,000 0 -18,951,000 0 -180,000         
      decrease (increase) in restricted cash—for securitization investors
    		                                                884,950,000             
      post-closing adjustment payable—slc acquisition
    		                                                35,108,000             
      loss related to loans sold and held for sale
    		                                                             
      loss on sale of goldfish business
    		                                                         12,621,000 1,013,000   
      (gain) loss on equipment
    		                                                             
      pension curtailment
    		                                                             
      increase in amounts due from asset securitization
    		                                                     244,732,000 -169,238,000 79,647,000 386,408,000 414,259,000 57,779,000 230,010,000 103,244,000 
      decrease (increase) in restricted cash – special dividend escrow
    		                                                             
      decrease (increase) in restricted cash – for securitization investors
    		                                                             
      proceeds from the sale of goldfish business
    		                                                         0 0   
      payments for business and other acquisitions, net of cash acquired
    		                                                         -198,000    
      proceeds from issuance of long-term borrowings and bank notes
    		                                                             
      effect of exchange rate changes on cash and cash equivalents
    		                                                         0 0 -1,092,000 -23,500,000 
      cash and cash equivalents, at beginning of year
    		                                                             
      cash and cash equivalents, at end of year
    		                                                             
      special dividend – morgan stanley
    		                                                             
      proceeds from sale of loans originated for sale
    		                                                             
      (gain) loss on sale of student loans
    		                                                             
      loss on disposal of equipment
    		                                                             
      income tax deficiency on stock-based compensation expense
    		                                                  -2,042,000    -8,880,000 2,060,000 -11,674,000     
      proceeds from issuance of warrant
    		                                                             
      net (decrease) in short-term borrowings
    		                                                          0   
      purchase of treasury stock
    		                                                  -2,676,000           
      gain on disposal of equipment
    		                                                             
      (increase) in restricted cash—for securitization investors
    		                                                    -2,437,239,000         
      proceeds from securitized debt
    		                                                    750,000,000         
      dividends paid to morgan stanley
    		                                                    -775,000,000         
      gains on sales of mortgages and installment loans
    		                                                             
      impairment of goldfish business
    		                                                             
      loss on investment securities
    		                                                     0        
      loss on equipment
    		                                                             
      proceeds from securitization and sale of loans held for investment
    		                                                     1,296,750,000 1,496,100,000   0 1,167,393,000 1,846,152,000 2,548,650,000 
      (increase) in restricted cash – special dividend escrow
    		                                                             
      proceeds from the issuance of preferred stock and warrant
    		                                                     0 0       
      proceeds from the issuance of common stock
    		                                                     -18,000        
      capital contributions from morgan stanley
    		                                                             
      capital contributions to morgan stanley
    		                                                             
      maturities of investment securities
    		                                                      129,601,000 79,069,000 906,000 2,474,000 6,020,000 5,601,000 23,105,000 
      purchases of investment securities
    		                                                      -126,335,000 -279,925,000 -73,897,000 -87,192,000 -11,762,000 -2,405,000 -17,962,000 
      (increase) in restricted cash—special dividend escrow
    		                                                             
      net cash (used for) investing activities
    		                                                      -342,868,000 -556,699,000 -3,319,818,000     
      proceeds from the issuance of long-term borrowings
    		                                                             
      loss on investments securities
    		                                                       1,012,000 805,000     
      increase in restricted cash—special dividend escrow
    		                                                             
      repayment of long-term debt and bank notes
    		                                                       -5,263,000 -302,456,000 -118,597,000 -35,367,000 -85,965,000 -157,677,000 
      acquisition of certificated beneficial interests in dcent
    		                                                             
      impairment of disposal group
    		                                                            172,469,000 
      dividends paid
    		                                                        -29,263,000 -29,197,000 -29,288,000 -29,254,000 -29,217,000 
      cash paid (received) during the period for:
    		                                                             
      proceeds from sales of loans originated for sales
    		                                                             
      proceeds from issuance of long-term debt and bank notes
    		                                                             
      exchange of retained seller’s interest for certificated beneficial interests in dcent
    		                                                         0 165,000,000 200,000,000 385,000,000 
      capital contributions (to) from morgan stanley
    		                                                             
      gains on sale of mortgages and installment loans
    		                                                             
      loss on investments
    		                                                          5,325,000 31,280,000 1,184,000 
      payments for business and other acquisitions
    		                                                             
      impairment of goodwill and intangible assets
    		                                                             
      net proceeds from
    		                                                             
      business and other acquisitions
    		                                                             
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.