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Condensed Consolidated Statements of Financial Position - USD ($)
$ in Millions
Sep. 30, 2022
Dec. 31, 2021
Assets    
Cash and equivalents $ 11,962 $ 8,337
Debt securities (Note 3) 5,082 5,283
Less: Allowance for credit losses (9,102) (8,688)
Loan receivables, net 76,910 72,052
Loan receivables held for sale (Note 4) 0 4,361
Goodwill 1,105 1,105
Intangible assets, net (Note 6) 1,033 1,168
Other assets 4,674 3,442
Total assets 100,766 95,748
Deposits: (Note 7)    
Interest-bearing deposit accounts 68,032 61,911
Non-interest-bearing deposit accounts 372 359
Total deposits 68,404 62,270
Borrowings: (Notes 5 and 8)    
Senior unsecured notes 7,961 7,219
Total borrowings [1] 14,321 14,507
Accrued expenses and other liabilities 5,029 5,316
Total liabilities 87,754 82,093
Equity:    
Preferred stock, par share value $0.001 per share; 750,000 shares authorized; 750,000 shares issued and outstanding at both September 30, 2022 and December 31, 2021 and aggregate liquidation preference of $750 at both September 30, 2022 and December 31, 2021 734 734
Common Stock, par share value $0.001 per share; 4,000,000,000 shares authorized; 833,984,684 shares issued at both September 30, 2022 and December 31, 2021; 458,904,206 and 526,830,205 shares outstanding at September 30, 2022 and December 31, 2021, respectively 1 1
Additional paid-in capital 9,685 9,669
Retained earnings 16,252 14,245
Accumulated other comprehensive income (loss):    
Debt securities (106) 4
Currency translation adjustments (35) (26)
Employee benefit plans (46) (47)
Treasury stock, at cost; 375,080,478 and 307,154,479 shares at September 30, 2022 and December 31, 2021, respectively 13,473 10,925
Total equity 13,012 13,655
Total liabilities and equity 100,766 95,748
Total loan receivables 86,012 80,740
Restricted loans of consolidated securitization entities    
Assets    
Less: Allowance for credit losses (1,700) (1,900)
Loan receivables, net [2] 16,629 18,594
Loan receivables held for sale (Note 4) 0 1,398
Other assets [3] 1,031 292
Total assets 17,660 20,284
Borrowings: (Notes 5 and 8)    
Total liabilities 6,378 7,302
Total loan receivables 18,361 20,529
Borrowings of consolidated securitization entities [1] 6,360 7,288
Unsecuritized Loans Held for Investment [Member]    
Total loan receivables $ 67,651 $ 60,211
[1] The amounts presented above for outstanding borrowings include unamortized debt premiums, discounts and issuance costs.
[2] Includes $1.7 billion and $1.9 billion of related allowance for credit losses resulting in gross restricted loans of $18.4 billion and $20.5 billion at September 30, 2022 and December 31, 2021, respectively.
[3] Includes $1.0 billion and $288 million of segregated funds held by the VIEs at September 30, 2022 and December 31, 2021, respectively, which are classified as restricted cash and equivalents and included as a component of other assets in our Condensed Consolidated Statements of Financial Position.