| Operating segment information |
The following table presents certain selected financial information for the Company’s reportable operating segments and Corporate & Other as of or for the years ended December 31, 2016, 2015 and 2014: | (Millions, except where indicated) | | USCS | | ICNS | | GCS | | GMS | | Corporate & Other | (a) | Consolidated | | 2016 | | | | | | | | | | | | | | | | | | | | Non-interest revenues | | $ | 7,874 | | $ | 4,785 | | $ | 9,007 | | $ | 4,235 | | $ | 447 | | $ | 26,348 | | Interest income | | | 5,082 | | | 922 | | | 1,209 | | | 1 | | | 261 | | | 7,475 | | Interest expense | | | 536 | | | 219 | | | 401 | | | (237) | | | 785 | | | 1,704 | | Total revenues net of interest expense | | | 12,420 | | | 5,488 | | | 9,815 | | | 4,473 | | | (77) | | | 32,119 | | Total provisions (b) | | | 1,065 | | | 325 | | | 604 | | | 25 | | | 7 | | | 2,026 | | Pretax income (loss) from continuing operations | | | 3,881 | | | 818 | | | 2,945 | | | 2,295 | | | (1,843) | | | 8,096 | | Income tax provision (benefit) | | | 1,368 | | | 163 | | | 1,036 | | | 837 | | | (716) | | | 2,688 | | Net income (loss) | | | 2,513 | | | 655 | | | 1,909 | | | 1,458 | | | (1,127) | | | 5,408 | | Total assets (billions) | | $ | 87 | | $ | 36 | | $ | 47 | | $ | 24 | | $ | (35) | | $ | 159 | | Total equity (billions) | | $ | 7.2 | | $ | 2.5 | | $ | 7.0 | | $ | 2.5 | | $ | 1.3 | | $ | 20.5 | | 2015 | | | | | | | | | | | | | | | | | | | | Non-interest revenues | | $ | 8,479 | | $ | 4,627 | | $ | 8,930 | | $ | 4,471 | | $ | 389 | | $ | 26,896 | | Interest income | | | 5,198 | | | 945 | | | 1,175 | | | 1 | | | 226 | | | 7,545 | | Interest expense | | | 488 | | | 235 | | | 365 | | | (211) | | | 746 | | | 1,623 | | Total revenues net of interest expense | | | 13,189 | | | 5,337 | | | 9,740 | | | 4,683 | | | (131) | | | 32,818 | | Total provisions (b) | | | 1,064 | | | 300 | | | 588 | | | 31 | | | 5 | | | 1,988 | | Pretax income (loss) from continuing operations | | | 3,677 | | | 904 | | | 3,164 | | | 2,381 | | | (2,188) | | | 7,938 | | Income tax provision (benefit) | | | 1,322 | | | 220 | | | 1,142 | | | 882 | | | (791) | | | 2,775 | | Net income (loss) | | | 2,355 | | | 684 | | | 2,022 | | | 1,499 | | | (1,397) | | | 5,163 | | Total assets (billions) | | $ | 93 | | $ | 35 | | $ | 45 | | $ | 24 | | $ | (36) | | $ | 161 | | Total equity (billions) | | $ | 7.2 | | $ | 2.6 | | $ | 7.0 | | $ | 2.4 | | $ | 1.5 | | $ | 20.7 | | 2014 | | | | | | | | | | | | | | | | | | | | Non-interest revenues | | $ | 8,198 | | $ | 5,091 | | $ | 9,571 | | $ | 4,571 | | $ | 1,285 | | $ | 28,716 | | Interest income | | | 4,821 | | | 1,088 | | | 1,026 | | | 2 | | | 242 | | | 7,179 | | Interest expense | | | 453 | | | 325 | | | 409 | | | (287) | | | 807 | | | 1,707 | | Total revenues net of interest expense | | | 12,566 | | | 5,854 | | | 10,188 | | | 4,860 | | | 720 | | | 34,188 | | Total provisions | | | 1,030 | | | 354 | | | 569 | | | 79 | | | 12 | | | 2,044 | | Pretax income (loss) from continuing operations | | | 3,502 | | | 887 | | | 3,723 | | | 2,330 | | | (1,451) | | | 8,991 | | Income tax provision (benefit) | | | 1,283 | | | 194 | | | 1,381 | | | 872 | | | (624) | | | 3,106 | | Net income (loss) | | | 2,219 | | | 693 | | | 2,342 | | | 1,458 | | | (827) | | | 5,885 | | Total assets (billions) | | $ | 90 | | $ | 31 | | $ | 44 | | $ | 18 | | $ | (24) | | $ | 159 | | Total equity (billions) | | $ | 7.6 | | $ | 2.6 | | $ | 6.9 | | $ | 2.1 | | $ | 1.5 | | $ | 20.7 |
- Corporate & Other includes adjustments and eliminations for intersegment activity.
- Beginning December 1, 2015 through to the sale completion dates, in the USCS and GCS segments, total provisions does not include credit costs related to Card Member loans and receivables HFS, which were reported in Other expenses through a valuation allowance adjustment.
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| Total revenues net of interest expense and pretax income |
The following table presents the Company’s total revenues net of interest expense and pretax income (loss) from continuing operations in different geographic regions: | (Millions) | | United States | | EMEA | (a) | JAPA | (a) | LACC | (a) | Other Unallocated | (b) | Consolidated | | 2016(c) | | | | | | | | | | | | | | | | | | | | Total revenues net of interest expense | | $ | 24,133 | | $ | 3,248 | | $ | 3,052 | | $ | 2,274 | | $ | (588) | | $ | 32,119 | | Pretax income (loss) from continuing operations | | | 8,202 | | | 482 | | | 559 | | | 597 | | | (1,744) | | | 8,096 | | 2015(c) | | | | | | | | | | | | | | | | | | | | Total revenues net of interest expense | | $ | 24,927 | | $ | 3,293 | | $ | 2,791 | | $ | 2,412 | | $ | (605) | | $ | 32,818 | | Pretax income (loss) from continuing operations | | | 7,500 | | | 544 | | | 587 | | | 693 | | | (1,386) | | | 7,938 | | 2014(c) | | | | | | | | | | | | | | | | | | | | Total revenues net of interest expense | | $ | 24,678 | | $ | 3,574 | | $ | 2,923 | | $ | 2,784 | | $ | 229 | | $ | 34,188 | | Pretax income (loss) from continuing operations | | | 8,406 | | | 528 | | | 565 | | | 675 | | | (1,183) | | | 8,991 |
- EMEA represents Europe, the Middle East and Africa; JAPA represents Japan, Asia/Pacific and Australia; and LACC represents Latin America, Canada and the Caribbean.
- Other Unallocated includes net costs which are not directly allocable to specific geographic regions, including costs related to the net negative interest spread on excess liquidity funding and executive office operations expenses.
- The data in the above table is, in part, based upon internal allocations, which necessarily involve management’s judgment.
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