Discover Financial Services
(NYSE:DFS)

Discover Financial Services, through its subsidiaries, operates as a digital banking and payment services company in the United States. It operates in two segments, Digital Banking and Payment Services. The Digital Banking segment offers Discover-branded credit cards to individuals; and other consum...

Website: http://www.discover.com

Founded: 1985

Full Time Employees: 17,200

Sector: Financial Services

Industry: Credit Services

Financial Services

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Unit: USD	2025-03-31	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	2013-09-30	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	2007-11-30

interest income
credit card loans	3,979,000,000	4,120,000,000	4,092,000,000	3,959,000,000	3,938,000,000	3,925,000,000	3,726,000,000	3,466,000,000	3,321,000,000	3,157,000,000	2,783,000,000	2,424,000,000	2,268,000,000	2,265,000,000	2,193,000,000	2,105,000,000	2,154,000,000	2,225,000,000	2,171,000,000	2,173,000,000	2,416,000,000	2,467,000,000	2,465,000,000	2,396,000,000	2,362,000,000	2,348,000,000	2,258,000,000	2,139,000,000	2,090,000,000	2,089,000,000	2,026,000,000	1,916,000,000	1,876,000,000	1,876,000,000	1,812,000,000	1,734,000,000	1,733,000,000	1,620,000,000	1,606,000,000	1,324,000,000	1,513,000,000	1,451,000,000	1,454,243,000	1,451,836,000	1,421,115,000	1,423,806,000	1,410,285,000	1,423,496,000	1,403,191,000	1,417,116,000	1,412,348,000	1,455,907,000	1,475,860,000	1,491,887,000	559,615,000	761,477,000	781,176,000	733,499,000
other loans	506,000,000				712,000,000	692,000,000	653,000,000	606,000,000	564,000,000	527,000,000	476,000,000	439,000,000	428,000,000	433,000,000	433,000,000	431,000,000	437,000,000	448,000,000	446,000,000	439,000,000	484,000,000	482,000,000	472,000,000	460,000,000	457,000,000	451,000,000	437,000,000	421,000,000	417,000,000	414,000,000	400,000,000	379,000,000	367,000,000	357,000,000	347,000,000	331,000,000	326,000,000	308,000,000	304,000,000	126,000,000	255,000,000	234,000,000	225,687,000	217,433,000	210,043,000	202,837,000	190,044,000	157,424,000	151,802,000	119,536,000	70,671,000	67,588,000	62,894,000	52,668,000	49,246,000	43,397,000	40,641,000	35,233,000
investment securities	143,000,000	142,000,000	130,000,000	125,000,000	124,000,000	122,000,000	120,000,000	106,000,000	101,000,000	75,000,000	35,000,000	33,000,000	36,000,000	40,000,000	45,000,000	47,000,000	50,000,000	81,000,000	58,000,000	55,000,000	58,000,000	59,000,000	53,000,000	39,000,000	28,000,000	17,000,000	10,000,000	6,000,000	7,000,000	7,000,000	6,000,000	7,000,000	7,000,000	8,000,000	9,000,000	10,000,000	11,000,000	12,000,000	13,000,000	25,000,000	16,000,000	20,000,000	21,131,000	21,371,000	19,987,000	17,511,000	16,830,000	15,676,000	14,644,000	12,215,000	10,256,000	5,574,000	5,064,000	5,328,000	17,088,000	18,062,000	17,960,000	15,584,000	19,360,000	14,372,000	11,626,000	5,987,000
other interest income	173,000,000	181,000,000	148,000,000	158,000,000	174,000,000	129,000,000	111,000,000	112,000,000	91,000,000	97,000,000	63,000,000	19,000,000	4,000,000	4,000,000	3,000,000	6,000,000	5,000,000	6,000,000	6,000,000	5,000,000	24,000,000	31,000,000	50,000,000	82,000,000	90,000,000	91,000,000	76,000,000	70,000,000	55,000,000	46,000,000	44,000,000	36,000,000	28,000,000	17,000,000	16,000,000	15,000,000	14,000,000	7,000,000	6,000,000	6,000,000	3,000,000	3,000,000	4,793,000	4,329,000	4,473,000	2,405,000	2,646,000	2,496,000	3,641,000	4,097,000	6,072,000	6,870,000	7,964,000	9,267,000	56,741,000	3,998,000	3,648,000	7,715,000	19,854,000	15,195,000	20,210,000	39,801,000
total interest income	4,801,000,000	4,989,000,000	5,112,000,000	4,971,000,000	4,948,000,000	4,868,000,000	4,610,000,000	4,290,000,000	4,077,000,000	3,856,000,000	3,357,000,000	2,915,000,000	2,736,000,000	2,742,000,000	2,674,000,000	2,589,000,000	2,646,000,000	2,760,000,000	2,681,000,000	2,672,000,000	2,982,000,000	3,039,000,000	3,040,000,000	2,977,000,000	2,937,000,000	2,907,000,000	2,781,000,000	2,636,000,000	2,569,000,000	2,556,000,000	2,476,000,000	2,338,000,000	2,278,000,000	2,258,000,000	2,184,000,000	2,090,000,000	2,084,000,000	1,947,000,000	1,929,000,000	1,481,000,000	1,787,000,000	1,708,000,000	1,705,854,000	1,694,969,000	1,655,618,000	1,646,559,000	1,619,805,000	1,599,092,000	1,573,278,000	1,552,964,000	1,499,347,000	1,535,939,000	1,551,782,000	1,559,150,000	638,086,000	833,217,000	857,984,000	815,793,000	736,006,000	681,692,000	612,063,000	662,802,000
interest expense
deposits	1,058,000,000	1,150,000,000	1,213,000,000	1,199,000,000	1,210,000,000	1,164,000,000	1,061,000,000	905,000,000	756,000,000	599,000,000	345,000,000	174,000,000	139,000,000	142,000,000	156,000,000	170,000,000	193,000,000	231,000,000	287,000,000	340,000,000	373,000,000	393,000,000	407,000,000	401,000,000	386,000,000	360,000,000	329,000,000	287,000,000	262,000,000	238,000,000	218,000,000	199,000,000	191,000,000	181,000,000	178,000,000	166,000,000	162,000,000	155,000,000	152,000,000	306,000,000	169,000,000	186,000,000	194,787,000	204,982,000	216,458,000	228,773,000	237,192,000	241,719,000	251,170,000	256,695,000	267,583,000	279,137,000	298,335,000	305,449,000	1,145,742,000	6,283,000	14,559,000	20,500,000	35,218,000	31,551,000	292,441,000	309,799,000
short-term borrowings		5,000,000	8,000,000		6,000,000	3,000,000	2,000,000				1,000,000		1,000,000					29,000,000	3,000,000																				1,000,000	-2,000,000	1,000,000	1,000,000	576,000	423,000		1,000	17,000	33,000	37,000	46,000						10,000	1,345,000	1,183,000	208,000		45,000	90,000
long-term borrowings	185,000,000	204,000,000	236,000,000	248,000,000	245,000,000	233,000,000	225,000,000	208,000,000	189,000,000	190,000,000	168,000,000	131,000,000	117,000,000	117,000,000	113,000,000	120,000,000	123,000,000	123,000,000	126,000,000	142,000,000	211,000,000	222,000,000	231,000,000	244,000,000	246,000,000	245,000,000	229,000,000	220,000,000	207,000,000	198,000,000	208,000,000	201,000,000	195,000,000	185,000,000	181,000,000	173,000,000	172,000,000	156,000,000	147,000,000	154,000,000	108,000,000	111,000,000	116,528,000	119,905,000	124,081,000	124,486,000	122,583,000	120,301,000	128,772,000	125,987,000	107,922,000	110,000,000	106,286,000	108,275,000	21,841,000	14,873,000	10,537,000	14,411,000	19,129,000	18,782,000	20,762,000	29,552,000
total interest expense	1,243,000,000	1,359,000,000	1,457,000,000	1,447,000,000	1,461,000,000	1,400,000,000	1,288,000,000	1,113,000,000	945,000,000	789,000,000	514,000,000	305,000,000	257,000,000	259,000,000	269,000,000	290,000,000	316,000,000	383,000,000	416,000,000	482,000,000	584,000,000	615,000,000	638,000,000	645,000,000	632,000,000	605,000,000	558,000,000	507,000,000	469,000,000	436,000,000	426,000,000	400,000,000	386,000,000	366,000,000	359,000,000	339,000,000	334,000,000	311,000,000	300,000,000	458,000,000	278,000,000	298,000,000	311,891,000	325,310,000	340,539,000	353,260,000	359,792,000	362,053,000	379,979,000	382,728,000	375,506,000	389,137,000	404,621,000	413,724,000	314,158,000	304,401,000	320,005,000	312,720,000	329,672,000	305,643,000	313,248,000	339,441,000
net interest income	3,558,000,000	3,630,000,000	3,655,000,000	3,524,000,000	3,487,000,000	3,468,000,000	3,322,000,000	3,177,000,000	3,132,000,000	3,067,000,000	2,843,000,000	2,610,000,000	2,479,000,000	2,483,000,000	2,405,000,000	2,299,000,000	2,330,000,000	2,377,000,000	2,265,000,000	2,190,000,000	2,398,000,000	2,424,000,000	2,402,000,000	2,332,000,000	2,305,000,000	2,302,000,000	2,223,000,000	2,129,000,000	2,100,000,000	2,120,000,000	2,050,000,000	1,938,000,000	1,892,000,000	1,892,000,000	1,825,000,000	1,751,000,000	1,750,000,000	1,636,000,000	1,629,000,000	1,023,000,000	1,509,000,000	1,410,000,000	1,393,963,000	1,369,659,000	1,315,079,000	1,293,299,000	1,260,013,000	1,237,039,000	1,193,299,000	1,170,236,000	1,123,841,000	1,146,802,000	1,147,161,000	1,145,426,000	323,928,000	528,816,000	537,979,000	503,073,000	406,334,000	376,049,000	298,815,000	323,361,000
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
net interest income after benefit from credit losses	2,314,000,000	2,428,000,000	2,182,000,000	2,785,000,000	1,990,000,000	1,559,000,000	1,620,000,000	1,872,000,000	2,030,000,000	2,184,000,000	2,070,000,000	2,061,000,000	2,325,000,000	2,220,000,000	2,220,000,000	2,164,000,000	2,695,000,000	1,846,000,000	1,515,000,000	144,000,000	591,000,000
other income	24,000,000	406,000,000	95,000,000	239,000,000	23,000,000	14,000,000	21,000,000	28,000,000	22,000,000	11,000,000	19,000,000	21,000,000	24,000,000	19,000,000	18,000,000	6,000,000	23,000,000	-3,000,000	17,000,000	14,000,000	28,000,000	17,000,000	23,000,000	22,000,000	28,000,000	24,000,000	20,000,000	24,000,000	29,000,000	18,000,000	21,000,000	22,000,000	28,000,000	20,000,000	22,000,000	23,000,000	24,000,000	27,000,000	32,000,000	41,000,000	38,000,000	43,000,000	8,753,000	80,912,000	33,641,000	39,694,000	26,910,000	32,546,000	42,772,000	60,208,000	1,018,000	27,260,000	28,568,000	32,962,000	34,887,000	35,328,000	30,318,000	38,269,000	17,756,000	57,376,000	33,339,000	29,326,000
discount and interchange revenue	334,000,000	399,000,000	363,000,000	437,000,000	371,000,000	370,000,000	377,000,000	370,000,000	341,000,000	368,000,000	346,000,000	390,000,000	320,000,000	345,000,000	299,000,000	339,000,000	241,000,000	242,000,000	238,000,000	237,000,000	216,000,000	281,000,000	255,000,000	299,000,000	231,000,000	277,000,000	280,000,000	263,000,000	254,000,000	283,000,000	258,000,000	278,000,000	233,000,000	254,000,000	263,000,000	265,000,000	273,000,000	298,000,000	268,000,000	188,000,000	276,000,000	263,000,000	239,834,000	265,531,000	265,324,000	264,311,000	274,216,000	282,889,000	265,826,000	260,916,000	250,150,000	273,932,000	269,286,000	261,991,000	14,033,000	51,641,000	81,894,000	75,267,000	28,758,000	41,480,000	65,523,000	51,896,000
protection products revenue	42,000,000	43,000,000	42,000,000	42,000,000	42,000,000	43,000,000	42,000,000	44,000,000	43,000,000	44,000,000	42,000,000	42,000,000	44,000,000	36,000,000	43,000,000	43,000,000	43,000,000	45,000,000	44,000,000	44,000,000	47,000,000	48,000,000	48,000,000	49,000,000	49,000,000	50,000,000	51,000,000	50,000,000	53,000,000	54,000,000	55,000,000	56,000,000	58,000,000	59,000,000	60,000,000	59,000,000	61,000,000	68,000,000	71,000,000	143,000,000	90,000,000	88,000,000	98,744,000	104,201,000	101,194,000	104,861,000
loan fee income	204,000,000	200,000,000	214,000,000	205,000,000	200,000,000	217,000,000	194,000,000	186,000,000	166,000,000	182,000,000	168,000,000	142,000,000	140,000,000	131,000,000	121,000,000	105,000,000	107,000,000	110,000,000	100,000,000	85,000,000	119,000,000	123,000,000	120,000,000	102,000,000	104,000,000	108,000,000	103,000,000	95,000,000	96,000,000	96,000,000	95,000,000	83,000,000	89,000,000	93,000,000	91,000,000	79,000,000	80,000,000	80,000,000	81,000,000	90,000,000	78,000,000	81,000,000	83,281,000	80,012,000	77,256,000	84,451,000	87,551,000	84,243,000	80,753,000	85,600,000	72,314,000	92,465,000	69,733,000	105,285,000	51,424,000	75,528,000	52,293,000	68,022,000	63,965,000	56,514,000	53,839,000	88,258,000
transaction processing revenue	89,000,000	83,000,000	84,000,000	91,000,000	87,000,000	82,000,000	82,000,000	72,000,000	67,000,000	66,000,000	65,000,000	61,000,000	57,000,000	60,000,000	58,000,000	58,000,000	51,000,000	52,000,000	50,000,000	49,000,000	44,000,000	51,000,000	52,000,000	48,000,000	46,000,000	46,000,000	47,000,000	42,000,000	43,000,000	43,000,000	43,000,000	42,000,000	39,000,000	40,000,000	40,000,000	39,000,000	36,000,000	40,000,000	42,000,000	72,000,000	46,000,000	53,000,000	54,177,000	59,168,000	52,174,000	52,481,000	48,197,000	43,931,000	45,310,000	42,551,000	40,376,000	40,184,000	36,468,000	32,918,000	31,892,000	31,839,000	32,604,000	28,866,000	28,470,000	31,085,000	30,405,000	25,954,000
total other income	693,000,000	1,129,000,000	798,000,000	1,014,000,000	723,000,000	728,000,000	722,000,000	701,000,000	621,000,000	665,000,000	636,000,000	614,000,000	423,000,000	453,000,000	372,000,000	1,280,000,000	465,000,000	447,000,000	449,000,000	472,000,000	490,000,000	520,000,000	498,000,000	520,000,000	458,000,000	505,000,000	501,000,000	474,000,000	475,000,000	494,000,000	475,000,000	481,000,000	447,000,000	466,000,000	476,000,000	465,000,000	474,000,000	539,000,000	542,000,000	535,000,000	553,000,000	582,000,000	604,107,000	594,250,000	533,140,000	549,503,000	546,743,000	551,963,000	543,844,000	562,624,000	472,135,000	564,144,000	512,844,000	545,876,000	1,253,559,000	1,315,960,000	1,081,120,000	1,189,956,000	1,568,901,000	875,121,000	844,892,000	975,544,000
employee compensation and benefits	735,000,000	792,000,000	703,000,000	658,000,000	671,000,000	646,000,000	575,000,000	588,000,000	625,000,000	573,000,000	551,000,000	515,000,000	500,000,000	499,000,000	483,000,000	498,000,000	506,000,000	504,000,000	471,000,000	452,000,000	467,000,000	447,000,000	439,000,000	427,000,000	425,000,000	414,000,000	408,000,000	400,000,000	405,000,000	411,000,000	371,000,000	367,000,000	363,000,000	352,000,000	342,000,000	340,000,000	345,000,000	326,000,000	331,000,000	181,000,000	292,000,000	290,000,000	277,552,000	274,366,000	249,357,000	246,725,000	229,562,000	241,881,000	229,826,000	213,075,000	200,139,000	204,210,000	202,536,000	195,764,000	191,516,000	208,528,000	208,151,000	219,488,000	187,306,000	222,426,000	218,290,000	217,370,000
marketing and business development	246,000,000	299,000,000	263,000,000	258,000,000	250,000,000	372,000,000	283,000,000	268,000,000	241,000,000	313,000,000	276,000,000	254,000,000	192,000,000	271,000,000	210,000,000	175,000,000	154,000,000	159,000,000	140,000,000	129,000,000	231,000,000	234,000,000	230,000,000	224,000,000	195,000,000	230,000,000	218,000,000	224,000,000	185,000,000	213,000,000	203,000,000	192,000,000	168,000,000	176,000,000	195,000,000	198,000,000	162,000,000	199,000,000	182,000,000	75,000,000	174,000,000	169,000,000	192,025,000	160,534,000	119,012,000	131,429,000	144,242,000	133,398,000	124,181,000	135,665,000	149,911,000	130,532,000	97,970,000	84,673,000	113,851,000	77,814,000	102,922,000	111,433,000	119,382,000	137,928,000	132,038,000	141,553,000
information processing and communications	180,000,000	208,000,000	197,000,000	167,000,000	163,000,000	170,000,000	149,000,000	150,000,000	139,000,000	143,000,000	124,000,000	121,000,000	125,000,000	125,000,000	121,000,000	145,000,000	109,000,000	198,000,000	111,000,000	117,000,000	114,000,000	113,000,000	96,000,000	101,000,000	99,000,000	93,000,000	89,000,000	86,000,000	82,000,000	80,000,000	78,000,000	77,000,000	80,000,000	81,000,000	81,000,000	89,000,000	88,000,000	90,000,000	88,000,000	45,000,000	81,000,000	78,000,000	78,277,000	68,812,000	71,448,000	70,463,000	68,889,000	63,547,000	66,588,000	64,717,000	67,249,000	62,357,000	63,087,000	65,418,000	72,192,000	67,679,000	74,441,000	74,897,000	81,543,000	76,675,000	79,449,000	78,276,000
professional fees	289,000,000	363,000,000	323,000,000	296,000,000	292,000,000	312,000,000	281,000,000	216,000,000	232,000,000	264,000,000	241,000,000	189,000,000	177,000,000	230,000,000	198,000,000	187,000,000	182,000,000	192,000,000	151,000,000	181,000,000	193,000,000	214,000,000	189,000,000	183,000,000	167,000,000	190,000,000	166,000,000	161,000,000	155,000,000	189,000,000	163,000,000	156,000,000	147,000,000	152,000,000	143,000,000	150,000,000	160,000,000	153,000,000	127,000,000	130,000,000	97,000,000	104,000,000	114,666,000	107,749,000	110,085,000	99,500,000	114,153,000	106,042,000	104,749,000	90,331,000	103,479,000	85,289,000	78,067,000	75,813,000	92,910,000	83,746,000	74,550,000	70,123,000	111,645,000	82,775,000	81,392,000	73,672,000
premises and equipment	24,000,000	25,000,000	25,000,000	23,000,000	20,000,000	25,000,000	22,000,000	20,000,000	22,000,000	48,000,000	22,000,000	24,000,000	24,000,000	23,000,000	23,000,000	22,000,000	24,000,000	30,000,000	26,000,000	27,000,000	30,000,000	27,000,000	26,000,000	26,000,000	28,000,000	26,000,000	26,000,000	24,000,000	26,000,000	26,000,000	25,000,000	23,000,000	25,000,000	23,000,000	25,000,000	23,000,000	24,000,000	23,000,000	24,000,000	16,000,000	21,000,000	19,000,000	20,272,000	19,562,000	18,857,000	17,309,000	17,860,000	18,063,000	17,957,000	17,248,000	17,001,000	17,722,000	17,691,000	17,860,000	18,282,000	18,437,000	18,223,000	18,072,000	20,676,000	20,274,000	19,803,000	19,641,000
income before income taxes	1,444,000,000	1,702,000,000	1,192,000,000	2,070,000,000	404,000,000	512,000,000	888,000,000	1,169,000,000	1,268,000,000	1,354,000,000	1,318,000,000	1,452,000,000	1,618,000,000	1,425,750,000	1,402,000,000	2,222,000,000	2,079,000,000	105,000,000	959,000,000	-461,000,000	-78,000,000
income tax expense	340,000,000	411,000,000	322,000,000	540,000,000	96,000,000	124,000,000	205,000,000	268,000,000	292,000,000	321,000,000	312,000,000	341,000,000	376,000,000	294,000,000	311,000,000			216,000,000	188,000,000			216,000,000	224,000,000	234,000,000	204,000,000	210,000,000	247,000,000	208,000,000	190,000,000	512,000,000	301,000,000	321,000,000	304,000,000	320,000,000	322,000,000	282,000,000	339,000,000	343,000,000	322,000,000	269,000,000	353,000,000	407,000,000	309,156,000	385,028,000	330,576,000	383,240,000	305,122,000	398,263,000	326,040,000		235,589,000	171,526,000	164,126,000		217,719,000	362,485,000	188,810,000	75,699,000	223,336,000	94,885,000	124,370,000	152,101,000
net income	1,104,000,000	1,291,000,000	870,000,000	1,530,000,000	308,000,000	388,000,000	683,000,000	901,000,000	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	477,000,000	593,000,000	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
yoy	258.44%	232.73%	27.38%	69.81%	-68.44%	-62.44%	-32.11%	-18.90%	-21.42%	-3.19%	-7.79%	-34.57%	-22.03%	33.54%	41.50%	-561.41%	-2711.48%	12.85%	0.13%	-148.87%	-108.40%	3.06%	6.94%	12.56%	9.01%	77.52%	19.60%	22.53%	18.09%	-31.26%	-5.79%	-11.36%	-1.91%	-6.01%	9.04%	29.14%	-3.04%	-11.00%	6.41%	-23.89%	10.51%	6.66%	7.44%	-3.41%	-10.63%	35.73%	46.60%	148.95%	132.66%	-549.01%	-0.82%	-54.87%	14.29%	-186.00%	-18.46%	220.71%	-3.57%	48.24%
qoq	-14.48%	48.39%	-43.14%	396.75%	-20.62%	-43.19%	-24.20%	-7.68%	-5.52%	2.68%	-9.45%	-10.55%	16.40%	-2.20%	-35.75%	6.59%	99.37%	3.63%	-309.51%	503.28%	-108.62%	-8.05%	2.26%	3.72%	5.68%	-4.58%	7.62%	0.45%	72.09%	-35.71%	10.26%	-3.19%	0.18%	-11.89%	3.73%	7.13%	-4.01%	2.22%	22.85%	-19.56%	-11.89%	22.20%	-12.12%	16.79%	-14.96%	23.10%	-21.00%	8.06%	29.15%	32.96%	34.16%	0.99%	-349.25%	-129.37%	-38.95%	155.74%	87.55%	-72.15%	140.12%	-23.10%	188.31%
net income allocated to common stockholders	1,069,000,000	1,284,000,000	834,000,000	1,521,000,000	274,000,000	386,000,000	647,000,000	895,000,000	939,000,000	1,027,000,000	967,000,000	1,105,000,000	1,205,000,000	1,062,000,000	1,055,000,000	1,688,000,000	1,546,000,000	795,000,000	751,000,000	-369,000,000	-78,000,000	705,000,000	749,000,000	747,000,000	705,000,000	681,000,000	699,000,000	663,000,000	646,000,000	359,000,000	589,000,000	532,000,000	551,000,000	550,000,000	625,000,000	602,000,000	562,000,000	586,000,000	573,000,000	492,000,000	579,000,000	659,000,000	541,230,000	620,770,000	531,545,000	624,424,000	507,123,000	641,772,000	593,488,000	459,428,000	346,325,000	258,194,000	184,590,000	-122,233,000
basic earnings per common share	4,250,000	5,110,000	3,320,000	6,060,000	1,100,000	1,570,000	2,590,000	3,540,000	3,580,000	3,780,000	3,540,000	3,960,000	4,230,000	3,680,000	3,540,000	5,560,000	5,040,000	2,600,000	2,450,000	-1,200,000	-250,000	2,260,000	2,360,000	2,320,000	2,150,000	2,040,000	2,050,000	1,910,000	1,820,000	1,010,000	1,590,000	1,410,000	1,430,000	1,400,000	1,560,000	1,470,000	1,350,000	1,330,000	1,280,000	740,000	1,200,000
diluted earnings per common share	4,250,000	5,110,000	3,320,000	6,060,000	1,100,000	1,570,000	2,590,000	3,540,000	3,580,000	3,770,000	3,540,000	3,960,000	4,220,000	3,670,000	3,540,000	5,550,000	5,040,000	2,600,000	2,450,000	-1,200,000	-250,000	2,260,000	2,360,000	2,320,000	2,150,000	2,020,000	2,050,000	1,910,000	1,820,000	1,000,000	1,590,000	1,400,000	1,430,000	1,410,000	1,560,000	1,470,000	1,350,000	1,330,000	1,280,000	740,000	1,200,000
other loans, including loans held-for-sale		545,750,000	742,000,000	729,000,000
gains on equity investments						2,000,000	6,000,000	1,000,000										1,000,000		43,000,000	36,000,000
losses on equity investments									-18,000,000
unrealized gains on equity investments										-98,500,000	-37,000,000	-169,000,000	-188,000,000	-139,000,000	-167,000,000	729,000,000
realized gains on equity investments										46,500,000	33,000,000	127,000,000	26,000,000
income tax benefit																524,000,000	486,000,000																																	255,111,000
income tax (benefit) expense																				-93,000,000	-17,000,000																																	-67,170,000
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	116,000,000	333,000,000	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	714,176,000	364,838,000	210,969,000	305,632,000
net interest income after benefit from loan losses																						1,588,000,000	1,603,000,000	1,545,000,000	1,496,000,000	1,502,000,000	1,481,000,000	1,387,000,000	1,349,000,000	1,441,000,000	1,376,000,000	1,298,000,000	1,306,000,000	1,314,000,000	1,380,000,000	1,339,000,000	1,326,000,000	1,330,000,000	1,239,000,000	907,000,000	1,176,000,000	1,251,000,000	1,056,364,000	1,243,371,000	1,082,495,000	1,141,770,000	939,426,000	1,137,525,000	1,017,759,000	752,527,000	741,171,000	434,237,000	422,897,000	-241,780,000	-75,804,000	147,817,000	-105,882,000	-434,740,000	-307,842,000	11,211,000	87,846,000	17,729,000
income before income tax expense																						924,000,000	994,000,000	987,000,000	930,000,000	897,000,000	967,000,000	877,000,000	856,000,000	899,000,000	903,000,000	867,000,000	868,000,000	883,000,000	961,000,000	898,000,000	914,000,000	942,000,000	908,000,000	746,000,000	946,000,000	1,080,000,000	859,873,000	1,011,714,000	867,167,000	1,014,246,000	817,701,000	1,047,081,000	926,459,000	720,003,000	170,907,000	432,143,000	422,193,000	-170,708,000
dividends declared per common share																										275,000	400,000	350,000	350,000	237,500	350,000	300,000	300,000	220,000	300,000	300,000	280,000	280,000	240,000	100,000	200,000
gain on investments																															3,000,000								8,000,000	23,000,000		3,000,000	25,972,000		28,000			-3,614,000
gain on origination and sale of mortgage loans																																						26,000,000	40,000,000	-22,000,000	25,000,000	51,000,000
interest income:
interest expense:
other income:
basic earnings per share																																										1.33	1.08	1.21	1.01	1.18	0.95	1.18	1.09	0.84	0.148	0.47	0.34	-0.22
diluted earnings per share																																										1.33	1.07	1.21	1	1.18	0.95	1.18	1.09	0.84	0.145	0.47	0.33	-0.22
dividends declared per share
merchant fees																																											2,913,500	4,426,000	3,523,000	3,705,000	3,203,000	4,110,000	4,216,000	4,655,000	5,370,000	7,220,000	7,426,000	8,445,000	8,959,000	10,716,000	11,736,000	12,837,000	14,151,000	16,183,000	17,849,000	18,844,000
dividends paid per share																																											0.075	0.1	0.1	0.1	0.06	0.06	0.06	0.02				0.02				0.06	0.06	0.06
fee product revenue																																															106,666,000	107,858,000	105,116,000
gain on investment securities																																																	-149,000	141,000		18,951,000		180,000
fee products																																																		108,553,000	102,907,000	104,132,000	101,363,000	104,095,000	66,167,000	78,875,000	75,248,000	74,776,000
securitization income																																																							568,869,000	567,288,000	325,264,000	417,883,000	458,584,000	629,046,000	628,031,000	713,497,000
antitrust litigation settlement																																																							471,915,000	472,167,000	472,775,000	474,841,000
dividends paid per share of common stock																																																			0.015	0.02	0.02		0.025	0.02	0.02
federal funds sold																																																							815,500			3,262,000	13,354,000	16,527,000	26,062,000	41,279,000
loss on investment securities																																																							5,413,000	-7,422,000	-1,012,000	-805,000
income from continuing operations before income tax expense																																																							570,256,000	939,939,000	414,610,000	196,093,000	666,977,000	273,785,000	325,913,000	390,930,000
income from continuing operations																																																							352,537,000	577,454,000	225,800,000	120,394,000	443,641,000	178,900,000	201,543,000	238,829,000
income from discontinued operations, net of tax																																																											-11,306,000	1,153,000	32,605,000	-157,615,000
preferred stock dividends and accretion of discount																																																							-18,634,000	-18,067,000	-16,554,000
net income available to common stockholders																																																							333,903,000	559,387,000	209,246,000
basic earnings per share:
income from continuing operations available to common stockholders																																																							0.453	1.09	0.43
diluted earnings per share:
consumer loans																																																											415,514,250	596,131,000	515,908,000	550,018,000
commercial loans																																																											3,784,250	7,916,000	4,018,000	3,203,000
commercial paper																																																														77,000
insurance																																																											35,929,250	48,762,000	47,186,000	47,769,000
loss on investments																																																											-9,447,250	-5,325,000	-31,280,000
deposits in other banks																																																													34,239,000	22,437,000
dividends paid per common share																																																													0.06	0.06

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-03-31	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	2013-09-30	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	2007-11-30

assets
cash and cash equivalents	11,865,000,000	8,474,000,000	10,787,000,000	10,865,000,000	14,004,000,000	11,685,000,000	9,194,000,000	8,605,000,000	10,130,000,000	8,856,000,000	10,004,000,000	11,439,000,000	9,625,000,000	8,750,000,000	12,716,000,000	15,445,000,000	20,348,000,000	13,564,000,000	9,513,000,000	15,138,000,000	10,028,000,000	6,924,000,000	6,075,000,000	10,313,000,000	15,169,000,000	13,299,000,000	16,019,000,000	15,289,000,000	17,011,000,000	13,306,000,000	13,249,000,000	12,950,000,000	15,163,000,000	11,914,000,000	12,076,000,000	10,617,000,000	12,135,000,000	10,595,000,000	11,814,000,000	7,284,000,000	5,623,000,000	8,067,000,000	3,926,000,000	6,237,610,000	5,112,069,000	6,315,152,000	2,849,843,000	3,957,525,000	3,772,960,000	5,171,425,000	5,098,733,000	7,916,091,000	10,335,729,000	12,728,321,000	13,020,719,000	10,828,242,000	9,694,825,000	8,724,208,000	10,171,143,000	10,475,475,000	8,765,384,000	8,286,290,000	8,787,095,000
restricted cash	970,000,000	25,000,000	36,000,000	32,000,000	439,000,000	43,000,000	39,000,000	39,000,000	33,000,000	41,000,000	1,866,000,000	32,000,000	18,000,000	2,582,000,000	32,000,000	923,000,000	326,000,000	25,000,000	576,000,000	29,000,000	1,183,000,000	40,000,000	37,000,000	1,040,000,000	44,000,000	1,846,000,000	590,000,000	630,000,000	87,000,000	81,000,000	1,279,000,000	93,000,000	1,100,000,000	95,000,000	947,000,000	98,000,000	1,010,000,000	754,000,000	109,000,000	106,000,000	183,000,000	482,000,000	2,344,000,000	301,349,000	1,802,881,000	361,307,000	1,285,820,000	937,230,000	1,014,369,000	676,074,000
other short-term investments	4,728,000,000	5,423,000,000	735,000,000															2,200,000,000	8,048,000,000	2,549,000,000			1,000,000,000	1,000,000,000	1,000,000,000										850,000,000	1,050,000,000								250,000	250,000					375,000,000	375,000,000	375,000,000	375,000,000	175,000,000	1,350,000,000
investment securities	14,775,000,000	14,630,000,000	14,865,000,000	13,508,000,000	13,522,000,000	13,655,000,000	13,336,000,000	13,466,000,000	12,248,000,000	12,208,000,000	6,897,000,000	5,536,000,000	5,977,000,000	6,904,000,000	8,014,000,000	8,841,000,000	9,432,000,000	9,914,000,000	20,854,000,000	10,485,000,000	10,782,000,000	10,595,000,000	10,649,000,000	7,581,000,000	5,243,000,000	3,370,000,000	1,801,000,000	1,522,000,000	1,543,000,000	1,568,000,000	1,627,000,000	1,679,000,000	1,718,000,000	1,757,000,000	1,855,000,000	2,471,000,000	2,956,000,000	2,701,000,000	2,778,000,000	3,949,000,000
loan receivables	117,403,000,000	121,118,000,000			126,555,000,000	128,409,000,000	122,676,000,000	117,906,000,000	112,674,000,000	112,120,000,000	104,908,000,000	99,301,000,000	93,471,000,000	93,684,000,000	89,542,000,000	87,674,000,000	86,347,000,000	90,449,000,000	88,660,000,000	88,927,000,000	92,963,000,000	95,894,000,000	92,493,000,000	90,229,000,000	88,743,000,000	90,512,000,000	86,894,000,000	84,789,000,000	82,744,000,000	84,248,000,000	80,443,000,000	77,997,000,000	75,853,000,000	77,254,000,000	73,551,000,000	71,924,000,000	70,320,000,000	69,028,000,000	67,648,000,000	69,969,000,000
allowance for credit losses	-8,108,000,000	-8,323,000,000	-8,512,000,000	-8,481,000,000	-9,258,000,000	-9,283,000,000	-8,665,000,000	-8,064,000,000	-7,691,000,000	-7,374,000,000	-7,061,000,000	-6,757,000,000	-6,647,000,000	-6,822,000,000	-6,861,000,000	-7,026,000,000	-7,347,000,000	-8,226,000,000	-8,226,000,000	-8,184,000,000	-6,913,000,000
net loan receivables	109,295,000,000	112,795,000,000	118,481,000,000	119,168,000,000	117,297,000,000	119,126,000,000	114,011,000,000	109,842,000,000	104,983,000,000	104,746,000,000	97,847,000,000	92,544,000,000	86,824,000,000	86,862,000,000	82,681,000,000	80,648,000,000	79,000,000,000	82,223,000,000	80,434,000,000	80,743,000,000	86,050,000,000	92,511,000,000	89,194,000,000	87,027,000,000	85,609,000,000	87,471,000,000	83,967,000,000	81,961,000,000	80,008,000,000	81,627,000,000	77,912,000,000	75,613,000,000	73,589,000,000	75,087,000,000	71,527,000,000	69,975,000,000	68,399,000,000	67,293,000,000	65,872,000,000	68,223,000,000	61,140,000,000	58,750,000,000	59,292,000,000	57,469,848,000	55,188,404,000	54,320,670,000	55,131,739,000	51,809,393,000	49,877,535,000	48,629,769,000	45,532,295,000	46,386,943,000	46,094,094,000	45,886,156,000	21,867,185,000	23,657,449,000	25,455,041,000	26,155,266,000	23,842,026,000	20,807,714,000	19,655,288,000	20,182,303,000	23,037,451,000
premises and equipment	1,080,000,000	1,072,000,000	1,085,000,000	1,087,000,000	1,107,000,000	1,091,000,000	1,084,000,000	1,053,000,000	1,031,000,000	1,003,000,000	1,015,000,000	984,000,000	984,000,000	983,000,000	987,000,000	986,000,000	1,021,000,000	1,027,000,000	1,121,000,000	1,115,000,000	1,070,000,000	1,057,000,000	1,028,000,000	1,008,000,000	980,000,000	936,000,000	896,000,000	874,000,000	848,000,000	825,000,000	800,000,000	774,000,000	750,000,000	734,000,000	722,000,000	708,000,000	706,000,000	688,000,000	678,000,000	670,000,000	639,000,000	572,000,000	534,000,000	519,621,000	492,444,000	486,520,000	483,250,000	465,871,000	471,112,000	458,950,000	460,732,000	456,943,000	469,001,000	482,833,000	499,303,000	518,105,000	531,166,000	544,219,000	552,502,000	563,869,000	556,030,000	567,475,000	658,492,000
goodwill	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	255,000,000	257,000,000	257,000,000	284,000,000	286,000,000	286,000,000	287,043,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000	255,421,000
other assets	4,946,000,000	4,966,000,000	5,371,000,000	5,952,000,000	6,065,000,000	5,667,000,000	5,513,000,000	4,822,000,000	4,381,000,000	4,519,000,000	4,002,000,000	3,810,000,000	3,729,000,000	3,906,000,000	3,858,000,000	3,886,000,000	3,394,000,000	3,586,000,000	3,453,000,000	3,382,000,000	3,134,000,000	2,459,000,000	2,389,000,000	2,323,000,000	2,260,000,000	2,215,000,000	2,152,000,000	2,058,000,000	2,053,000,000	2,262,000,000	2,323,000,000	2,229,000,000	2,055,000,000	2,300,000,000	2,143,000,000	2,170,000,000	2,465,000,000	2,455,000,000	2,495,000,000	2,461,000,000	2,473,000,000	2,525,000,000	2,490,000,000	2,433,255,000	2,395,471,000	2,290,940,000	2,383,793,000	2,158,761,000	2,297,430,000	2,505,796,000	2,434,661,000	2,559,071,000	2,675,872,000	2,683,669,000	1,462,064,000	1,352,678,000	1,470,374,000	1,426,133,000	1,247,406,000	1,147,267,000	839,911,000	922,578,000	781,278,000
total assets	147,914,000,000	147,640,000,000	151,615,000,000	150,867,000,000	152,689,000,000	151,522,000,000	143,432,000,000	138,082,000,000	133,061,000,000	131,628,000,000	121,886,000,000	114,600,000,000	107,412,000,000	110,242,000,000	108,544,000,000	110,985,000,000	113,871,000,000	112,889,000,000	124,349,000,000	113,792,000,000	112,657,000,000	113,996,000,000	110,786,000,000	110,707,000,000	110,720,000,000	109,553,000,000	105,842,000,000	102,751,000,000	101,967,000,000	100,087,000,000	97,608,000,000	93,757,000,000	94,795,000,000	92,308,000,000	90,541,000,000	87,511,000,000	88,093,000,000	84,911,000,000	84,178,000,000	83,126,000,000	75,544,000,000	76,139,000,000	75,283,000,000	73,908,664,000	72,083,405,000	70,486,018,000	68,783,937,000	65,725,667,000	63,437,533,000	63,506,609,000	60,784,968,000	60,057,553,000	62,153,678,000	66,818,951,000	46,020,987,000	42,698,290,000	41,518,288,000	40,606,518,000	39,892,382,000	37,317,815,000	34,233,542,000	37,328,059,000	37,376,105,000
liabilities and stockholders' equity
liabilities
deposits
interest-bearing deposit accounts	106,620,000,000	105,459,000,000	108,356,000,000	106,871,000,000	108,930,000,000	107,493,000,000	102,638,000,000	97,630,000,000	94,319,000,000	90,151,000,000	81,373,000,000	74,898,000,000	70,941,000,000	70,818,000,000	71,126,000,000	73,129,000,000	74,921,000,000	75,695,000,000	76,938,000,000	76,365,000,000	72,592,000,000	71,955,000,000	70,327,000,000	69,064,000,000	68,254,000,000	67,084,000,000	63,034,000,000	61,068,000,000	60,530,000,000	58,165,000,000	55,583,000,000	52,359,000,000	53,017,000,000	51,461,000,000	48,785,000,000	48,104,000,000	48,055,000,000	45,989,000,000	46,124,000,000	45,792,000,000	42,928,000,000	42,255,000,000	42,034,000,000	42,175,032,000	41,427,004,000	40,014,625,000	39,463,887,000	37,470,037,000	35,115,848,000	34,728,329,000	34,309,839,000	34,148,932,000	34,933,914,000	34,954,443,000	32,028,506,000	29,469,059,000	29,085,894,000	28,252,147,000	28,452,146,000	26,878,293,000	24,716,104,000	24,881,960,000	24,643,517,000
non-interest bearing deposit accounts	1,600,000,000		1,496,000,000	1,479,000,000	1,500,000,000		1,381,000,000	1,357,000,000	1,421,000,000		1,524,000,000	1,514,000,000	1,541,000,000	1,575,000,000	1,436,000,000	1,347,000,000	1,824,000,000	1,209,000,000	1,077,000,000	999,000,000	826,000,000	791,000,000	694,000,000	670,000,000	662,000,000	675,000,000	640,000,000	615,000,000	600,000,000	599,000,000	552,000,000	505,000,000	505,000,000	531,000,000	460,000,000	423,000,000	410,000,000	327,000,000	303,000,000	297,000,000	189,000,000	139,000,000	121,000,000	143,280,000	124,282,000	133,287,000	113,575,000	116,847,000	103,335,000	130,665,000	103,544,000	97,872,000	88,061,000	97,223,000	64,506,000	98,079,000	63,836,000	82,171,000	78,375,000	80,960,000	51,545,000	59,816,000	81,884,000
total deposits	108,220,000,000	107,009,000,000	109,852,000,000	108,350,000,000	110,430,000,000	108,931,000,000	104,019,000,000	98,987,000,000	95,740,000,000	91,636,000,000	82,897,000,000	76,412,000,000	72,482,000,000	72,393,000,000	72,562,000,000	74,476,000,000	76,745,000,000	76,904,000,000	78,015,000,000	77,364,000,000	73,418,000,000	72,746,000,000	71,021,000,000	69,734,000,000	68,916,000,000	67,759,000,000	63,674,000,000	61,683,000,000	61,130,000,000	58,764,000,000	56,135,000,000	52,864,000,000	53,522,000,000	51,992,000,000	49,245,000,000	48,527,000,000	48,465,000,000	46,316,000,000	46,427,000,000	46,089,000,000	43,117,000,000	42,394,000,000	42,155,000,000	42,318,312,000	41,551,286,000	40,147,912,000	39,577,462,000	37,586,884,000	35,219,183,000	34,858,994,000	34,413,383,000	34,246,804,000	35,021,975,000	35,051,666,000	32,093,012,000	29,567,138,000	29,149,730,000	28,334,318,000	28,530,521,000	26,959,253,000	24,767,649,000	24,941,776,000	24,725,401,000
long-term borrowings	14,538,000,000	16,253,000,000	17,427,000,000	19,141,000,000	20,475,000,000	20,581,000,000	19,467,000,000	20,276,000,000	18,163,000,000	20,108,000,000	20,177,000,000	18,185,000,000	17,132,000,000	18,477,000,000	18,516,000,000	19,350,000,000	21,011,000,000	21,241,000,000	21,841,000,000	23,194,000,000	26,098,000,000	25,701,000,000	24,454,000,000	25,163,000,000	26,276,000,000	27,228,000,000	26,998,000,000	26,252,000,000	26,244,000,000	26,326,000,000	26,737,000,000	26,438,000,000	26,823,000,000	25,443,000,000	26,830,000,000	24,681,000,000	24,752,000,000	24,099,000,000	22,924,000,000	22,544,000,000	18,665,000,000	19,230,000,000	19,729,000,000	19,246,113,000	19,023,907,000	18,753,958,000	18,287,178,000	17,718,200,000	17,938,507,000	18,990,170,000					2,428,101,000	1,795,134,000	1,427,043,000	1,432,631,000	1,735,383,000	1,854,263,000	1,889,909,000	1,976,147,000	2,134,093,000
accrued expenses and other liabilities	6,193,000,000	6,452,000,000	6,477,000,000	7,309,000,000	7,064,000,000	6,432,000,000	5,710,000,000	4,963,000,000	4,843,000,000	5,294,000,000	4,526,000,000	4,439,000,000	4,365,000,000	4,214,000,000	4,203,000,000	3,988,000,000	3,961,000,000	3,860,000,000	3,541,000,000	3,591,000,000	3,476,000,000	3,690,000,000	3,594,000,000	4,317,000,000	4,269,000,000	3,436,000,000	4,154,000,000	3,927,000,000	3,722,000,000	4,105,000,000	3,549,000,000	3,196,000,000	3,185,000,000	3,550,000,000	3,119,000,000	2,906,000,000	3,560,000,000	3,089,000,000	3,450,000,000	3,246,000,000	3,036,000,000	3,926,000,000	3,337,000,000	2,948,187,000	2,609,354,000	2,755,196,000	2,627,086,000	2,314,667,000	2,656,543,000	2,658,280,000	2,209,011,000	1,990,699,000	2,782,309,000	2,360,037,000	2,255,570,000	2,061,697,000	2,276,691,000	1,740,057,000	2,468,688,000	2,251,530,000	1,481,409,000	1,599,633,000	1,476,825,000
total liabilities	128,951,000,000	129,714,000,000	134,506,000,000	134,800,000,000	137,969,000,000	136,694,000,000	129,196,000,000	124,226,000,000	118,746,000,000	117,038,000,000	107,600,000,000	100,836,000,000	93,979,000,000	96,834,000,000	95,281,000,000	97,814,000,000	101,717,000,000	102,005,000,000	114,097,000,000	104,149,000,000	102,992,000,000	102,137,000,000	99,069,000,000	99,214,000,000	99,461,000,000	98,423,000,000	94,826,000,000	91,862,000,000	91,096,000,000	89,195,000,000	86,421,000,000	82,498,000,000	83,530,000,000	80,985,000,000	79,194,000,000	76,114,000,000	76,777,000,000	73,648,000,000	72,967,000,000	71,992,000,000	64,942,000,000	65,840,000,000	65,505,000,000	64,762,751,000	63,184,547,000	61,657,066,000	60,541,726,000	57,719,751,000	55,914,233,000	56,607,444,000	54,328,122,000	53,946,256,000	56,115,411,000	59,803,903,000	37,585,440,000	34,312,088,000	34,102,648,000	34,607,167,000	33,976,559,000	31,317,422,000	28,383,851,000	31,673,718,000	31,776,683,000
commitments, contingencies and guarantees
stockholders' equity
common stock, par value 0.01 per share...	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	6,000,000	5,000,000	5,000,000	5,000,000	5,000,000	5,000,000	5,000,000	5,000,000	5,000,000	6,000,000	5,000,000													5,446,000	4,831,000	4,828,000		4,802,000	4,796,000	4,793,000
preferred stock, par value 0.01 per share...	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	1,056,000,000	563,000,000	563,000,000	563,000,000	563,000,000	563,000,000	563,000,000	563,000,000	563,000,000	563,000,000	563,000,000	560,000,000	560,000,000	560,000,000	560,000,000	560,000,000	560,000,000	560,000,000	560,000,000	560,000,000	560,000,000	560,000,000	560,000,000	560,000,000													1,154,739,000	1,151,979,000
additional paid-in capital	4,678,000,000	4,651,000,000	4,633,000,000	4,603,000,000	4,578,000,000	4,553,000,000	4,520,000,000	4,508,000,000	4,493,000,000	4,468,000,000	4,444,000,000	4,417,000,000	4,390,000,000	4,369,000,000	4,345,000,000	4,319,000,000	4,280,000,000	4,257,000,000	4,235,000,000	4,216,000,000	4,217,000,000	4,206,000,000	4,188,000,000	4,167,000,000	4,148,000,000	4,130,000,000	4,107,000,000	4,089,000,000	4,068,000,000	4,042,000,000	4,016,000,000	3,997,000,000	3,979,000,000	3,962,000,000	3,946,000,000	3,932,000,000	3,913,000,000	3,853,000,000	3,841,000,000	3,790,000,000	3,671,000,000	3,632,000,000	3,593,000,000	3,570,371,000	3,555,104,000	3,528,480,000	3,507,754,000	3,492,663,000	3,469,557,000	3,452,513,000	3,435,318,000	3,428,089,000	3,593,692,000	3,584,512,000	3,573,231,000	3,563,986,000	3,029,992,000	2,938,043,000	2,938,657,000	2,924,923,000	2,908,676,000	2,885,610,000	2,846,127,000
retained earnings	34,478,000,000	33,583,000,000	32,469,000,000	31,864,000,000	30,511,000,000	30,448,000,000	30,236,000,000	29,761,000,000	29,292,000,000	28,453,000,000	27,585,000,000	26,776,000,000	25,833,000,000	24,766,000,000	23,846,000,000	22,936,000,000	21,373,000,000	19,955,000,000	19,292,000,000	18,673,000,000	19,175,000,000	21,290,000,000	20,720,000,000	20,107,000,000	19,484,000,000	18,906,000,000	18,354,000,000	17,787,000,000	17,211,000,000	16,687,000,000	16,452,000,000	15,989,000,000	15,568,000,000	15,130,000,000	14,696,000,000	14,188,000,000	13,698,000,000	12,400,000,000	11,936,000,000	11,467,000,000	9,115,000,000	8,136,000,000	7,373,000,000	6,877,990,000	6,303,466,000	5,820,609,000	5,243,318,000	4,763,180,000	4,147,598,000	3,580,338,000	3,126,488,000	2,787,822,000	2,538,164,000	2,362,685,000	3,873,262,000	3,705,608,000	3,296,234,000	3,136,977,000	3,046,956,000	3,116,818,000	2,966,053,000	2,761,159,000	2,717,905,000
accumulated other comprehensive loss	-152,000,000	-296,000,000		-398,000,000	-393,000,000	-225,000,000	-573,000,000	-470,000,000	-235,000,000	-339,000,000	-353,000,000	-251,000,000	-213,000,000									-119,000,000	-74,000,000	-83,000,000	-136,000,000	-156,000,000	-160,000,000	-162,000,000	-139,000,000	-152,000,000	-148,000,000	-150,000,000	-155,000,000	-161,000,000	-165,000,000	-174,000,000	-172,000,000	-160,000,000	-161,000,000	-138,000,000	-109,000,000	-84,000,000	-75,000,000	-31,326,000	-41,016,000	-48,604,000	-51,679,000	-19,979,000	-66,358,000	-106,279,000	-82,548,000	-82,297,000				-24,972,000	-52,542,000
treasury stock	-21,103,000,000	-21,074,000,000	-21,072,000,000	-21,064,000,000	-21,038,000,000	-21,010,000,000	-21,009,000,000	-21,005,000,000	-20,297,000,000	-19,054,000,000	-18,452,000,000	-18,240,000,000	-17,639,000,000	-16,695,000,000	-15,922,000,000	-15,107,000,000	-14,554,000,000	-14,435,000,000	-14,430,000,000	-14,430,000,000	-14,430,000,000	-14,087,000,000	-13,686,000,000	-13,267,000,000	-12,806,000,000	-12,319,000,000	-11,854,000,000	-11,394,000,000	-10,838,000,000	-10,254,000,000	-9,699,000,000	-9,143,000,000	-8,693,000,000	-8,173,000,000	-7,695,000,000	-7,114,000,000	-6,688,000,000	-5,395,000,000	-4,970,000,000	-4,550,000,000	-2,640,000,000	-1,951,000,000	-1,678,000,000	-1,276,648,000	-924,219,000	-477,048,000	-462,679,000	-235,443,000	-32,981,000	-32,887,000	-27,883,000	-27,787,000	-25,111,000	-25,025,000	-19,642,000	-18,605,000	-14,854,000	-14,418,000	-8,257,000	-7,167,000	-4,405,000	-2,412,000	-1,419,000
total stockholders' equity	18,963,000,000		17,109,000,000	16,067,000,000	14,720,000,000		14,236,000,000	13,856,000,000	14,315,000,000		14,286,000,000	13,764,000,000	13,433,000,000		13,263,000,000	13,171,000,000	12,154,000,000		10,252,000,000	9,643,000,000	9,665,000,000		11,717,000,000	11,493,000,000	11,259,000,000
total liabilities and stockholders' equity	147,914,000,000		151,615,000,000	150,867,000,000	152,689,000,000		143,432,000,000	138,082,000,000	133,061,000,000		121,886,000,000	114,600,000,000	107,412,000,000		108,544,000,000	110,985,000,000	113,871,000,000		124,349,000,000	113,792,000,000	112,657,000,000		110,786,000,000	110,707,000,000	110,720,000,000
liabilities and stockholders’ equity
non-interest-bearing deposit accounts		1,550,000,000				1,438,000,000				1,485,000,000
short-term borrowings			750,000,000			750,000,000						1,800,000,000		1,750,000,000					10,700,000,000																			144,000,000	166,000,000	113,000,000	124,000,000	290,000,000	284,000,000	250,139,000			50,000,000	100,000,000	100,000,000	100,000,000							500,000,000	2,375,000,000	500,000,000			250,000,000	3,175,426,000
stockholders’ equity
total stockholders’ equity		17,926,000,000				14,828,000,000				14,590,000,000				13,408,000,000				10,884,000,000				11,859,000,000				11,130,000,000	11,016,000,000	10,889,000,000	10,871,000,000	10,892,000,000	11,187,000,000	11,259,000,000	11,265,000,000	11,323,000,000	11,347,000,000	11,397,000,000	11,316,000,000	11,263,000,000	11,211,000,000	11,134,000,000	10,602,000,000	10,299,000,000	9,778,000,000	9,145,913,000	8,898,858,000	8,828,952,000	8,242,211,000	8,005,916,000	7,523,300,000	6,899,165,000	6,456,846,000	6,111,297,000	6,038,267,000	7,015,048,000	8,435,547,000	8,386,202,000	7,415,640,000	5,999,351,000	5,915,823,000	6,000,393,000	5,849,691,000	5,654,341,000	5,599,422,000
total liabilities and stockholders’ equity		147,640,000,000				151,522,000,000				131,628,000,000				110,242,000,000				112,889,000,000				113,996,000,000				109,553,000,000	105,842,000,000	102,751,000,000	101,967,000,000	100,087,000,000	97,608,000,000	93,757,000,000	94,795,000,000	92,308,000,000	90,541,000,000	87,511,000,000	88,093,000,000	84,911,000,000	84,178,000,000	83,126,000,000	75,544,000,000	76,139,000,000	75,283,000,000	73,908,664,000	72,083,405,000	70,486,018,000	68,783,937,000	65,725,667,000	63,437,533,000	63,506,609,000	60,784,968,000	60,057,553,000	62,153,678,000	66,818,951,000	46,020,987,000	42,698,290,000	41,518,288,000	40,606,518,000	39,892,382,000	37,317,815,000	34,233,542,000	37,328,059,000	37,376,105,000
loans held-for-sale			8,484,000,000	10,145,000,000
loan portfolio			118,509,000,000	117,504,000,000
total loan receivables			126,993,000,000	127,649,000,000																																					62,738,000,000	60,384,000,000	61,017,000,000	59,157,512,000	57,057,657,000	56,299,261,000	57,336,935,000	54,082,451,000	52,509,855,000	51,663,228,000	48,836,413,000	50,130,664,000	50,024,718,000	50,093,516,000	23,625,084,000	25,489,809,000	27,441,514,000	28,034,208,000	25,216,611,000	21,767,483,000	20,502,063,000	21,042,681,000	23,954,295,000
accumulated other comprehensive income			17,000,000											-94,000,000	-68,000,000	-39,000,000	-7,000,000	45,000,000	93,000,000	122,000,000	134,000,000																																-73,940,000	-74,038,000	-154,818,000				-66,338,000	-38,983,000	-25,429,000	5,191,000	32,032,000
intangible assets															1,000,000	1,000,000	95,000,000	95,000,000	95,000,000	96,000,000	155,000,000	155,000,000	159,000,000	160,000,000	160,000,000	161,000,000	162,000,000	162,000,000	162,000,000	163,000,000	163,000,000	164,000,000	165,000,000	166,000,000	166,000,000	167,000,000	167,000,000	170,000,000	175,000,000	176,000,000	188,000,000	187,000,000	190,000,000	192,181,000	184,501,000	186,232,000	188,018,000	189,298,000	191,296,000	193,293,000	188,973,000	190,639,000	192,304,000	193,970,000	195,636,000	197,556,000	199,477,000	201,398,000	203,319,000	54,161,000	56,030,000	57,900,000	98,043,000
allowance for loan losses																						-3,383,000,000	-3,299,000,000	-3,202,000,000	-3,134,000,000	-3,041,000,000	-2,927,000,000	-2,828,000,000	-2,736,000,000	-2,621,000,000	-2,531,000,000	-2,384,000,000	-2,264,000,000	-2,167,000,000	-2,024,000,000	-1,949,000,000	-1,921,000,000	-1,735,000,000	-1,776,000,000	-1,746,000,000	-1,598,000,000	-1,634,000,000	-1,725,000,000	-1,687,664,000	-1,869,253,000	-1,978,591,000	-2,205,196,000	-2,273,058,000	-2,632,320,000	-3,033,459,000	-3,304,118,000	-3,743,721,000	-3,930,624,000	-4,207,360,000	-1,757,899,000	-1,832,360,000	-1,986,473,000	-1,878,942,000	-1,374,585,000	-959,769,000	-846,775,000	-860,378,000	-916,844,000
deposits:
stockholders’ equity:
loan receivables:
investment securities:
available-for-sale																																									4,953,000,000	5,196,000,000	6,133,000,000	6,377,502,000	6,557,344,000	6,174,073,000	6,107,831,000	5,899,080,000	5,496,034,000	5,177,116,000	5,002,579,000	1,151,689,000	982,947,000	648,144,000	2,645,481,000	1,523,726,000	1,429,738,000	1,202,537,000	1,127,119,000	1,096,934,000	958,784,000	792,979,000	420,837,000
held-to-maturity																																									61,000,000	74,000,000	88,000,000	90,005,000	94,620,000	95,703,000	98,222,000	53,088,000	61,376,000	63,765,000	72,816,000	74,058,000	88,197,000	89,437,000	2,389,816,000	1,742,808,000	99,682,000	100,043,000	100,825,000	101,821,000	96,371,000	99,527,000	104,602,000
total investment securities																																									5,014,000,000	5,270,000,000	6,221,000,000	6,467,507,000	6,651,964,000	6,269,776,000	6,206,053,000	5,952,168,000			5,075,395,000					3,266,534,000	1,529,420,000	1,302,580,000		1,198,755,000	1,055,155,000
mortgage loans held for sale, measured at fair value																																									137,000,000	311,000,000	322,000,000	272,082,000
loan portfolio:
credit card																																									50,360,000,000	48,655,000,000	49,642,000,000	48,124,468,000	46,610,407,000	45,917,598,000	46,638,625,000	46,177,673,000	44,960,645,000	44,317,247,000					20,230,302,000	22,721,603,000	25,312,764,000	26,156,681,000	23,814,307,000	20,241,785,000	18,683,242,000	19,895,527,000	23,468,965,000
other																																									7,938,000,000	6,857,000,000	6,309,000,000	5,893,952,000	5,451,930,000	5,257,517,000	4,733,742,000	4,279,613,000	3,845,530,000	3,567,936,000	2,891,318,000	3,444,906,000	3,279,785,000	4,332,277,000	3,394,782,000	2,768,206,000	2,128,750,000	1,877,527,000	1,402,304,000
purchased credit-impaired loans																																									4,303,000,000	4,561,000,000	4,744,000,000	4,867,010,000	4,995,320,000	5,124,146,000	5,250,388,000	2,886,783,000	2,946,997,000	3,011,384,000
total loan portfolio																																									62,601,000,000	60,073,000,000	60,695,000,000	58,885,430,000	57,057,657,000	56,299,261,000	56,622,755,000	53,344,069,000	51,753,172,000	50,896,567,000	48,048,312,000	48,693,072,000	48,608,115,000							21,767,483,000	19,787,431,000	20,693,609,000	23,954,295,000
student loans held for sale																																																				1,437,592,000	1,416,603,000
common stock																																												5,526,000	5,523,000	5,515,000	5,497,000	5,495,000	5,484,000	5,480,000	5,471,000	5,470,000	5,462,000	5,460,000	5,448,000				4,805,000				4,777,000
loans held for sale																																															714,180,000	738,382,000	756,683,000	766,661,000	788,101,000										714,632,000	349,072,000
total investments securities																																																	5,557,410,000	5,240,881,000		1,225,747,000	1,071,144,000	737,581,000	5,035,297,000				1,227,944,000
restricted cash – special dividend escrow																																																							643,311,000
restricted cash – for securitization investors																																																			1,363,758,000
credit card – restricted for securitization investors																																																			34,452,989,000
other credit card																																																			10,704,005,000	10,458,708,000	10,437,705,000	10,384,116,000
total credit card loan receivables																																																			45,156,994,000	45,248,166,000	45,328,330,000	45,761,239,000
amounts due from asset securitization																																																							1,692,051,000	1,936,783,000	1,767,545,000	1,847,193,000	2,233,600,000	2,647,860,000	2,705,638,000	2,935,494,000	3,093,472,000
long-term borrowings:
long-term borrowings – owed to securitization investors																																																			14,919,400,000
other long-term borrowings																																																			2,786,328,000	2,839,488,000	3,241,998,000	2,355,662,000
total long-term borrowings																																																			17,705,728,000	17,708,753,000	18,311,127,000	22,392,200,000
special dividend – morgan stanley																																																							808,757,000			473,000,000	473,000,000
preferred stock, par value .01 per share; 200,000,000 shares authorized, 0 and 1,224,558 issued and outstanding at november 30, 2010 and 2009, respectively
restricted cash—special dividend escrow																																																								502,292,000	427,357,000
restricted cash—for securitization investors																																																				691,698,000	685,113,000	3,676,000,000
credit card—restricted for securitization investors																																																				34,789,458,000	34,890,625,000	35,377,123,000
long-term borrowings—owed to securitization investors																																																				14,869,265,000	15,069,129,000	20,036,538,000
special dividend—morgan stanley																																																								653,500,000	513,250,000
preferred stock, par value .01 per share; 200,000,000 shares authorized, 0 and 1,224,558 shares issued and outstanding at august 31, 2010 and november 30, 2009, respectively
preferred stock, par value .01 per share; 200,000,000 shares authorized, 0 and 1,224,558 shares issued and outstanding at may 31, 2010 and november 30, 2009, respectively
preferred stock, par value .01 per share; 200,000,000 shares authorized, 1,224,558 issued and outstanding at february 28, 2010 and november 30, 2009																																																						1,161,454,000
preferred stock, par value .01 per share; 200,000,000 shares authorized, 1,224,558 and 0 issued or outstanding at november 30, 2009 and 2008, respectively																																																							1,158,066,000
cash and due from banks																																																								485,994,000	815,680,000	411,398,000	793,585,000	780,731,000	423,373,000	368,914,000	369,965,000
federal funds sold																																																											1,050,000,000	3,543,800,000	2,765,800,000	3,929,200,000	6,270,600,000
interest-earning deposits																																																								10,342,248,000	8,879,145,000	8,312,810,000	8,327,558,000	6,150,944,000
accrued interest receivable																																																								183,230,000	187,662,000	150,100,000	159,021,000	133,026,000	131,388,000	122,765,000	139,414,000
accrued interest payable																																																								234,619,000	235,934,000	252,161,000	268,967,000	252,004,000	244,344,000	248,480,000	264,938,000
accumulated other comprehensive																																																										-66,079,000
commercial paper																																																															11,191,000
assets from discontinued operations
liabilities of discontinued operations																																																												372,000	540,000	2,657,682,000
stockholders’ equity: preferred stock, par value .01 per share; 200,000,000 shares authorized, none issued or outstanding
commercial loans																																																												446,900,000	387,540,000	312,211,000	234,136,000
other consumer loans																																																												1,078,798,000	716,649,000	485,871,000	251,194,000
assets of discontinued operations																																																												34,267,000	213,297,000	3,105,327,000
interest-earning deposits in other banks																																																													5,576,211,000	3,988,176,000	2,135,339,000
stockholders’ equity: preferred stock, .01 par value per share...

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-03-31	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

Discover Financial Services(NYSE:DFS)

Discover Financial Services
(NYSE:DFS)