EX-99.1 2 exhibit99_1.htm EXHIBIT 99.1
U.S. Card Member Loans
  
Exhibit 99.1

Ending U.S. Card Member loans:
  
Jan. 31,
2015
    
Feb. 28,
2015
    
Mar. 31,
2015
    
Apr. 30,
2015
    
May 31,
2015
    
Jun. 30,
2015
    
Jul. 31,
2015
    
Aug. 31,
2015
    
Sept. 30,
2015
    
Oct. 31,
2015
    
Nov. 30,
2015
    
Dec. 31,
2015
    
Jan. 31,
2016
    
Feb. 29,
2016
    
(Preliminary)
Mar. 31,
2016
  
U.S. Consumer
                                                            
Loans held for investment
  
$
50,915
    
$
49,151
    
$
50,261
    
$
50,536
    
$
51,821
    
$
51,812
    
$
51,851
    
$
52,661
    
$
52,160
    
$
52,551
    
$
53,818
    
$
43,496
    
$
42,474
    
$
41,697
    
$
42,432
  
Loans held for investment related to Costco and JetBlue*
    
12,509
      
11,869
      
12,236
      
12,231
      
12,648
      
12,582
      
12,476
      
12,579
      
12,164
      
12,055
      
12,329
      
-
      
-
      
-
      
-
  
Total loans held for investment excluding loans related to Costco and JetBlue
  
$
38,406
    
$
37,282
    
$
38,024
    
$
38,305
    
$
39,173
    
$
39,230
    
$
39,375
    
$
40,082
    
$
39,996
    
$
40,496
    
$
41,489
    
$
43,496
    
$
42,474
    
$
41,697
    
$
42,432
  
Total loans held for investment, growth versus prior year
    
8
%
    
7
%
    
7
%
    
7
%
    
7
%
    
7
%
    
6
%
    
7
%
    
7
%
    
7
%
    
7
%
    
(18)
%
    
(17)
%
    
(15)
%
    
(16)
%
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year
    
7
%
    
7
%
    
7
%
    
7
%
    
7
%
    
7
%
    
7
%
    
8
%
    
8
%
    
9
%
    
9
%
    
10
%
    
11
%
    
12
%
    
12
%
Loans held for sale related to Costco and JetBlue*
  
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
12,755
    
$
11,789
    
$
10,901
    
$
9,745
  

* Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. On March 18, 2016, the sale of the JetBlue portfolio was completed.
-1-
 
   Ending U.S. Card
   Member loans:
  
Jan. 31,
2015
    
Feb. 28,
2015
    
Mar. 31,
2015
    
Apr. 30,
2015
    
May 31,
2015
    
Jun. 30,
2015
    
Jul. 31,
2015
    
Aug. 31,
2015
    
Sept. 30,
2015
    
Oct. 31,
2015
    
Nov. 30,
2015
    
Dec. 31,
2015
    
Jan. 31,
2016
    
Feb. 29,
2016
    
(Preliminary)
Mar. 31,
2016
  
U.S. Small Business
                                                           
Loans held for investment
  
$
9,473
    
$
9,378
    
$
9,669
    
$
9,765
    
$
10,014
    
$
9,919
    
$
9,917
    
$
9,970
    
$
9,973
    
$
10,195
    
$
10,126
    
$
7,951
    
$
8,042
    
$
7,970
    
$
8,268
  
Loans held for investment related to Costco and JetBlue*
    
2,346
      
2,262
      
2,359
      
2,366
      
2,446
      
2,413
      
2,387
      
2,377
      
2,292
      
2,288
      
2,295
      
-
      
-
      
-
      
-
  
Total loans held for investment excluding loans related to Costco and JetBlue
  
$
7,128
    
$
7,116
    
$
7,309
    
$
7,398
    
$
7,568
    
$
7,505
    
$
7,531
    
$
7,594
    
$
7,681
    
$
7,907
    
$
7,831
    
$
7,951
    
$
8,042
    
$
7,970
    
$
8,268
  
Total loans held for investment, growth versus prior year
    
9
%
    
9
%
    
9
%
    
8
%
    
9
%
    
9
%
    
9
%
    
8
%
    
9
%
    
10
%
    
8
%
    
(16)
%
    
(15)
%
    
(15)
%
    
(14)
%
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year
    
9
%
    
9
%
    
9
%
    
10
%
    
10
%
    
10
%
    
10
%
    
10
%
    
12
%
    
13
%
    
12
%
    
13
%
    
13
%
    
12
%
    
13
%
Loans held for sale related to Costco and JetBlue*
  
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
-
    
$
2,345
    
$
2,200
    
$
2,063
    
$
2,032
  

* Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. On March 18, 2016, the sale of the JetBlue portfolio was completed.
-2-
 
   Ending U.S. Card
   Member loans:
  
Jan. 31,
2015
    
Feb. 28,
2015
    
Mar. 31,
2015
    
Apr. 30,
2015
    
May 31,
2015
    
Jun. 30,
2015
    
Jul. 31,
2015
    
Aug. 31,
2015
    
Sept. 30,
2015
    
Oct. 31,
2015
    
Nov. 30,
2015
    
Dec. 31,
2015
    
Jan. 31,
2016
    
Feb. 29,
2016
    
(Preliminary)
Mar. 31,
2016
  
Total U.S. Consumer and Small Business
                                                            
Loans held for investment
  
$
60,388
    
$
58,529
    
$
59,929
    
$
60,301
    
$
61,835
    
$
61,731
    
$
61,768
    
$
62,631
    
$
62,133
    
$
62,746
    
$
63,944
    
$
51,446
    
$
50,516
    
$
49,666
    
$
50,699
  
Loans held for investment related to Costco and JetBlue*
    
14,855
      
14,131
      
14,596
      
14,597
      
15,095
      
14,996
      
14,863
      
14,955
      
14,456
      
14,343
      
14,624
      
-
      
-
      
-
      
-
  
Total loans held for investment excluding loans related to Costco and JetBlue
  
$
45,533
    
$
44,398
    
$
45,334
    
$
45,703
    
$
46,740
    
$
46,735
    
$
46,905
    
$
47,676
    
$
47,677
    
$
48,404
    
$
49,320
    
$
51,446
    
$
50,516
    
$
49,666
    
$
50,699
  
Total loans held for investment, growth versus prior year
    
8
%
    
8
%
    
7
%
    
7
%
    
7
%
    
7
%
    
7
%
    
7
%
    
7
%
    
8
%
    
7
%
    
(18)
%
    
(16)
%
    
(15)
%
    
(15)
%
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year
    
7
%
    
7
%
    
7
%
    
7
%
    
8
%
    
8
%
    
8
%
    
8
%
    
9
%
    
10
%
    
10
%
    
10
%
    
11
%
    
12
%
    
12
%
Loans held for sale related to Costco and JetBlue*
    $
-
      $
-
      $
-
      $
-
      $
-
      $
-
      $
-
      $
-
      $
-
      $
-
      $
-
      $
15,100
      $
13,988
      $
12,964
      $
11,777
  

* Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. On March 18, 2016, the sale of the JetBlue portfolio was completed.
-3-
Delinquency and Write-off Rate Statistics:**
  
Jan. 31,
2015
    
Feb. 28,
2015
    
Mar. 31,
2015
    
Apr. 30,
2015
    
May 31,
2015
    
Jun. 30,
2015
    
Jul. 31,
2015
    
Aug. 31,
2015
    
Sept. 30,
2015
    
Oct. 31,
2015
    
Nov. 30,
2015
    
Dec. 31,
2015
    
Jan. 31,
2016
    
Feb. 29,
2016
    
(Preliminary)
Mar. 31,
2016
  
U.S. Consumer
                                                            
30 days past due loans as a % of total loans
  
 
1.0
%
    
1.0
%
    
0.9
%
    
0.9
%
    
0.9
%
    
0.9
%
    
0.9
%
    
0.9
%
    
1.0
%
    
1.0
%
    
1.0
%
    
1.0
%
    
1.0
%
    
1.0
%
    
1.0
%
Net write-off rate - principal only
    
1.5
%
    
1.6
%
    
1.5
%
    
1.5
%
    
1.3
%
    
1.3
%
    
1.3
%
    
1.3
%
    
1.2
%
    
1.4
%
    
1.5
%
    
1.4
%
    
1.4
%
    
1.4
%
    
1.5
%
U.S. Small Business
                                                                                                                        
30 days past due loans as a % of total loans
    
1.0
%
    
1.0
%
    
1.0
%
    
1.0
%
    
0.9
%
    
0.9
%
    
0.9
%
    
0.9
%
    
1.0
%
    
1.0
%
    
1.0
%
    
1.1
%
    
1.0
%
    
1.1
%
    
1.0
%
Net write-off rate - principal only
  
 
1.4
%
    
1.4
%
    
1.2
%
    
1.3
%
    
1.3
%
    
1.2
%
    
1.4
%
    
1.4
%
    
1.1
%
    
1.3
%
    
1.2
%
    
1.2
%
    
1.4
%
    
1.4
%
    
1.4
%

**All credit metrics for total loans held for investment. Costco and JetBlue loans reclassified as held for sale as of December 2015.
-4-