Significant Credit Concentrations (Tables)

12 Months Ended

Dec. 31, 2022

Risks and Uncertainties [Abstract]

Maximum credit exposure by category

The following table details our maximum credit exposure of the on-balance sheet assets by category as of December 31:

(Billions)	2022		2021
Individuals: (a)	$	156	$	131
United States	129		108
Outside the United States (b)	27		23
Institutions:
Financial services (c)	36		24
Other (d)	17		15
U.S. Government and agencies (e)	4		2
Total on-balance sheet	$	213	$	172

(a)Primarily reflects loans and receivables from global consumer and small business Card Members, which are governed by individual credit risk management.

(b)The geographic regions with the largest concentration outside the United States include the United Kingdom, Japan, the European Union, Australia, Canada and Mexico.

(c)Represents banks, broker-dealers, insurance companies and savings and loan associations, which are governed by institutional credit risk management.

(d)Primarily reflects loans and receivables from global corporate Card Members, which are governed by institutional credit risk management.

(e)Represent debt obligations of the U.S. Government and its agencies, states and municipalities and government-sponsored entities. Risk management for these balances is governed by our Asset and Liability Management Committee.