Consolidated Balance Sheets (Unaudited) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Cash and cash equivalents
Cash and due from banks (includes restricted cash of consolidated variable interest entities: 2023, nil; 2022, $5)	$ 5,082	$ 5,510
Interest-bearing deposits in other banks (includes securities purchased under resale agreements: 2023, $9; 2022, $318)	38,742	28,097
Short-term investment securities (includes restricted investments of consolidated variable interest entities: 2023, $60; 2022, $54)	84	307
Total cash and cash equivalents	43,908	33,914
Investment securities	3,160	4,578
Premises and equipment, less accumulated depreciation and amortization: 2023, $9,589; 2022, $9,850	5,124	5,215
Other assets, less reserves for credit losses: 2023, $27; 2022, $22	20,004	17,689
Total assets	250,587	228,354
Liabilities
Customer deposits	124,439	110,239
Accounts payable	13,196	12,133
Short-term borrowings	1,613	1,348
Long-term debt (includes debt issued by consolidated variable interest entities: 2023, $13,423; 2022, $12,662)	46,447	42,573
Other liabilities	37,568	37,350
Total liabilities	223,263	203,643
Contingencies (Note 7)
Shareholders’ Equity
Preferred shares, $1.662/3 par value, authorized 20 million shares; issued and outstanding 1,600 shares as of September 30, 2023 and December 31, 2022	0	0
Common shares, $0.20 par value, authorized 3.6 billion shares; issued and outstanding 729 million shares as of September 30, 2023 and 743 million shares as of December 31, 2022	146	149
Additional paid-in capital	11,401	11,493
Retained earnings	18,953	16,279
Accumulated other comprehensive income (loss)	(3,176)	(3,210)
Total shareholders’ equity	27,324	24,711
Total liabilities and shareholders’ equity	250,587	228,354
Card Member Receivables
Cash and cash equivalents
Financing receivables, net	58,651	57,384
Card Member Loans
Cash and cash equivalents
Financing receivables, net	113,257	104,217
Other Loans
Cash and cash equivalents
Financing receivables, net	$ 6,483	$ 5,357