The following table details the Company’s maximum credit exposure by category, including the credit exposure associated with derivative financial instruments, as of December 31: (Billions) | | 2016 | | 2015 | On-balance sheet: | | | | | | | Individuals(a) | | $ | 98 | | $ | 104 | Financial institutions(b) | | | 28 | | | 25 | U.S. Government and agencies(c) | | | 3 | | | 4 | All other(d) | | | 18 | | | 17 | Total on-balance sheet(e) | | | 147 | | | 150 | Unused lines-of-credit(f) (g) | | $ | 242 | | $ | 297 |
- Individuals primarily include Card Member loans and receivables, including the HFS portfolios for 2015.
- Financial institutions primarily include debt obligations of banks, broker-dealers, insurance companies and savings and loan associations.
- U.S. Government and agencies represent debt obligations of the U.S. Government and its agencies, states and municipalities and government-sponsored entities.
- All other primarily includes Card Member receivables from other corporate institutions.
- Certain distinctions between categories require management judgment.
- Because charge card products generally have no preset spending limit, the associated credit limit on charge products is not quantifiable. Therefore, the quantified unused line-of-credit amounts only include the approximate credit line available on lending products.
- Primarily relates to established lending product agreements with individuals.
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