Non-Interest Revenue and Expense Detail

12 Months Ended

Dec. 31, 2015

Disclosure Text Block Abstract

Non-Interest Revenue and Expense Detail

NOTE 19

Non-interest revenue and expense detail

The following is a detail of Other commissions and fees for the years ended December 31:

(Millions)		2015		2014		2013
Foreign currency conversion fee revenue		$	852	$	877	$	877
Delinquency fees			788		722		667
Loyalty coalition-related fees			379		383		310
Service fees			361		366		375
Other(a)			137		160		185
	Total Other commissions and fees	$	2,517	$	2,508	$	2,414

Other primarily includes revenues from fees related toMembership Rewards programs.

The following is a detail of Other revenues for the years ended December 31:

(Millions)		2015		2014		2013
Gain on sale of investment in Concur Technologies		$	―	$	744	$	―
Global Network Services partner revenues			640		694		650
Gross realized gains on sale of investment securities			1		100		136
Other(a)			1,392		1,451		1,488
	Total Other revenues	$	2,033	$	2,989	$	2,274

Other includes revenues arising from net revenue earned on cross-border Card Member spending, merchant-related fees, insurance premiums earned from Card Member travel and other insurance programs, Travelers Cheques-related revenues, revenues related to the GBT JV transition services agreement, earnings from equity method investments (including the GBT JV) and other miscellaneous revenue and fees.

The following is a detail of Otherexpenses for the years ended December 31:

(Millions)		2015		2014		2013
Professional services		$	2,750	$	3,008	$	3,102
Occupancy and equipment			1,854		1,807		1,904
Goodwill and long-lived asset impairment(a)			384		―		―
Card and merchant-related fraud losses(b)			308		369		278
Communications			345		383		379
Gain on business travel joint venture transaction			―		(630)		―
Other(c)			1,152		1,152		1,133
	Total Other expenses	$	6,793	$	6,089	$	6,796

• Refer to Note 2 for additional information.
• Beginning January 1, 2015, merchant-related fraud losses are reported within Other expenses.
• Other expense includes general operating expenses, gains (losses) on sale of assets or businesses not classified as discontinued operations, litigation, certain internal and regulatory review-related reimbursements and insurance costs or settlements, certain loyalty coalition-related expenses and foreign currency-related gains and losses (including the favorable impact from the reassessment of the functional currency of certain UK legal entities in the year ended December 31, 2015).Effective December 1, 2015, Other expenses includes the valuation allowance adjustment associated with the HFS portfolios.