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Significant Credit Concentrations (Tables)
12 Months Ended
Dec. 31, 2016
Table Text Block [Abstract]  
Maximum credit exposure by category

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.

Card Member loans and receivables exposure

The following table details the Company’s Card Member loans and receivables exposure (including unused lines-of-credit) in the United States and outside the United States as of December 31:

(Billions)  2016  2015
On-balance sheet:    
U.S.(a)  $93  $99
Non-U.S.  20  19
On-balance sheet(b)(c)  113  118
Unused lines-of-credit:(d)    
U.S.(a)  203  259
Non-U.S.  39  38
Total unused lines-of-credit  $242  $297

  • Includes on-balance sheet Card Member loans and receivables HFS and unused lines-of-credit for Card Member loans HFS, for December 31, 2015.
  • Represents Card Member loans to individuals as well as receivables from individuals and corporate institutions as discussed in footnotes (a) and (d) from the previous table.
  • The remainder of the Company’s on-balance sheet exposure includes cash, investments, other loans, other receivables and other assets including derivative financial instruments. These balances are primarily within the United States.
  • Primarily relates to established lending product agreements with individuals.