Non-Interest Revenue and Expense Detail

9 Months Ended

Sep. 30, 2016

Other Income And Other Expense Disclosure [Abstract]

13. Non-Interest Revenue and Expense Detail

The following is a detail of Other fees and commissions:

			Three Months Ended				Nine Months Ended
			September 30,				September 30,
(Millions)		2016		2015		2016		2015
Foreign currency conversion fee revenue		$	207	$	213	$	610	$	646
Delinquency fees			183		197		575		586
Loyalty coalition-related fees			106		100		304		279
Travel commissions and fees			89		87		256		271
Service fees			71		97		228		279
Other^(a)			38		33		103		101
	Total Other fees and commissions	$	694	$	727	$	2,076	$	2,162

Other primarily includes revenues from fees related to Membership Rewards programs.

The following is a detail of Other revenues:

		Three Months Ended				Nine Months Ended
		September 30,				September 30,
(Millions)		2016		2015		2016		2015
Global Network Services partner revenues		$	156	$	156	$	498	$	474
Gross realized gains on sale of investment securities			1		1		5		1
Other^(a)			326		347		1,011		1,018
	Total Other revenues	$	483	$	504	$	1,514	$	1,493

Other includes revenues arising from net revenue earned on cross-border Card Member spending, insurance premiums earned from Card Member travel and other insurance programs, merchant-related fees, 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 Other expenses:

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
(Millions)	2016		2015		2016		2015
Professional services	$	630	$	687	$	1,862	$	1,966
Occupancy and equipment		429		523		1,332		1,372
Communications		68		84		231		257
Card and merchant-related fraud losses		67		64		182		247
Gain on sale of HFS portfolios^(a)		―		―		(1,218)		―
Other^(b)		304		277		999		727
Total Other expenses	$	1,498	$	1,635	$	3,388	$	4,569

Refer to Note 2 for additional information.
Other expense primarily includes general operating expenses, gains and losses on sales of assets or businesses not classified as discontinued operations, regulatory and litigation-related costs, certain Card Member reimbursements, insurance costs, 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 nine months ended September 30, 2015). In addition, the nine months ended September 30, 2016 includes a valuation allowance adjustment associated with loans and receivables HFS.