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Segment Disclosures (Tables)
6 Months Ended
Jun. 30, 2013
Segment Reporting [Abstract]  
Segment Disclosures
The following table presents segment data for the three and six months ended June 30, 2013 and 2012 (dollars in millions): 
For the Three Months Ended
Direct
Banking
 
Payment
Services
 
Total
June 30, 2013
 
 
 
 
 
Interest income
 
 
 
 
 
Credit card
$
1,463

 
$

 
$
1,463

Private student loans
61

 

 
61

PCI student loans
68

 

 
68

Personal loans
109

 

 
109

Other
26

 

 
26

Total interest income
1,727

 

 
1,727

Interest expense
297

 

 
297

Net interest income
1,430

 

 
1,430

Provision for loan losses
225

 
15

 
240

Other income
531

 
80

 
611

Other expense
734

 
86

 
820

Income before income tax expense
$
1,002

 
$
(21
)
 
$
981

 
 
 
 
 
 
 
Direct
Banking
 
Payment
Services
 
Total
June 30, 2012
 
 
 
 
 
Interest income
 
 
 
 
 
Credit card
$
1,411

 
$

 
$
1,411

Private student loans
45

 

 
45

PCI student loans
76

 

 
76

Personal loans
89

 

 
89

Other
25

 

 
25

Total interest income
1,646

 

 
1,646

Interest expense
332

 

 
332

Net interest income
1,314

 

 
1,314

Provision for loan losses
262

 

 
262

Other income
465

 
87

 
552

Other expense
721

 
37

 
758

Income before income tax expense
$
796

 
$
50

 
$
846

 
 
 
 
 
 
 
 
 
 
 
 
    
For the Six Months Ended
Direct
Banking
 
Payment
Services
 
Total
June 30, 2013
 
 
 
 
 
Interest income
 
 
 
 
 
Credit card
$
2,914

 
$

 
$
2,914

Private student loans
119

 

 
119

PCI student loans
138

 

 
138

Personal loans
212

 

 
212

Other
52

 

 
52

Total interest income
3,435

 

 
3,435

Interest expense
595

 

 
595

Net interest income
2,840

 

 
2,840

Provision for loan losses
384

 
15

 
399

Other income
1,026

 
167

 
1,193

Other expense
1,447

 
126

 
1,573

Income before income tax expense
$
2,035

 
$
26

 
$
2,061

 
 
 
 
 
 
 
Direct
Banking
 
Payment
Services
 
Total
June 30, 2012
 
 
 
 
 
Interest income
 
 
 
 
 
Credit card
$
2,825

 
$

 
$
2,825

Private student loans
88

 

 
88

PCI student loans
153

 

 
153

Personal loans
173

 

 
173

Other
48

 

 
48

Total interest income
3,287

 

 
3,287

Interest expense
681

 

 
681

Net interest income
2,606

 

 
2,606

Provision for loan losses
346

 

 
346

Other income
894

 
169

 
1,063

Other expense
1,359

 
71

 
1,430

Income before income tax expense
$
1,795

 
$
98

 
$
1,893