Table of Contents
Table of Contents
Executive Overview
Executive Overview
Critical Accounting Policies
Critical Accounting Policies
Consolidated Results of Operations
Consolidated Results of Operations
Consolidated Capital Resources and Liquidity
Consolidated Capital Resources and Liquidity
Off-Balance Sheet Arrangements and Contractual Obligations
Off-Balance Sheet Arrangements and Contractual Obligations
Risk Management
Risk Management
Business Segment Results
Business Segment Results
U.S. Card Services
U.S. Card Services
International Card Services
International Card Services
Global Commercial Services
Global Commercial Services
Global Network & Merchant Services
Global Network & Merchant Services
Other Reporting Matters
Other Reporting Matters
Consolidated Statements of Income
Consolidated Statements of Income
Consolidated Balance Sheets
Consolidated Balance Sheets
Consolidated Statements of Cash Flows
Consolidated Statements of Cash Flows
Consolidated Statements of Shareholders' Equity
Consolidated Statements of Shareholders' Equity
1. Summary of Significant Accounting Policies
1. Summary of Significant Accounting Policies
2. Acquisitions, Divestitures, and Discontinued Operations
2. Acquisitions, Divestitures, and Discontinued Operations
3. Accounts Receivable
3. Accounts Receivable
4. Loans
4. Loans
5. Investment Securities
5. Investment Securities
6. Asset Securitizations
6. Asset Securitizations
7. Changes in Accumulated Other Comprehensive Income (Loss)
7. Changes in Accumulated Other Comprehensive Income (Loss)
8. Other Assets
8. Other Assets
9. Customer Deposits
9. Customer Deposits
10. Debt
10. Debt
11. Other Liabilities
11. Other Liabilities
12. Common and Preferred Shares
12. Common and Preferred Shares
13. Regulatory Matters and Capital Adequacy
13. Regulatory Matters and Capital Adequacy
14. Derivatives and Hedging Activities
14. Derivatives and Hedging Activities
15. Guarantees
15. Guarantees
16. Commitments and Contingencies
16. Commitments and Contingencies
17. Fair Values of Financial Instruments
17. Fair Values of Financial Instruments
18. Significant Credit Concentrations
18. Significant Credit Concentrations
19. Stock Plans
19. Stock Plans
20. Retirement Plans
20. Retirement Plans
21. Income Taxes
21. Income Taxes
22. Earnings Per Common Share (EPS)
22. Earnings Per Common Share (EPS)
23. Details of Certain Consolidated Statements of Income Lines
23. Details of Certain Consolidated Statements of Income Lines
24. Reportable Operating Segments and Geographic Operations
24. Reportable Operating Segments and Geographic Operations
25. Restructuring Charges
25. Restructuring Charges
26. Parent Company
26. Parent Company
27. Subsequent Event
27. Subsequent Event
28. Quarterly Financial Data (Unaudited)
28. Quarterly Financial Data (Unaudited)
