American Express 2015 Annual Report Download - page 136
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NOTE 8
CUSTOMER DEPOSITS
As of December 31, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:
(Millions) 2015 2014
U.S.:
Interest-bearing ...................................................................... $54,102 $43,279
Non-interest-bearing (includes Card Member credit balances of: 2015, $389 million; 2014, $372 million) . . .
478 418
Non-U.S.:
Interest-bearing ...................................................................... 82 115
Non-interest-bearing (includes Card Member credit balances of: 2015, $323 million; 2014, $347 million) . . .
335 359
Total customer deposits ................................................................. $54,997 $ 44,171
Customer deposits by deposit type as of December 31 were as follows:
(Millions) 2015 2014
U.S. retail deposits:
Savings accounts — Direct ............................................................. $29,023 $26,159
Certificates of deposit:
Direct ............................................................................. 281 333
Third-party (brokered) .............................................................. 13,856 7,838
Sweep accounts —Third-party (brokered) ................................................ 10,942 8,949
Other retail deposits:
Non-U.S. deposits and U.S. non-interest bearing deposits .................................. 183 173
Card Member credit balances — U.S. and non-U.S. .......................................... 712 719
Total customer deposits ................................................................. $54,997 $ 44,171
The scheduled maturities of certificates of deposit as of December 31, 2015 were as follows:
(Millions) U.S. Non-U.S. Total
2016 ........................................................................ $ 2,486 $ 7 $ 2,493
2017 ........................................................................ 3,630 — 3,630
2018 ........................................................................ 3,180 — 3,180
2019 ........................................................................ 2,326 — 2,326
2020 ....................................................................... 2,515 — 2,515
Total ........................................................................ $14,137 $ 7 $14,144
As of December 31, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as
follows:
(Millions) 2015 2014
U.S. ....................................................................................... $105 $ 111
Non-U.S. .................................................................................. 117
Total ...................................................................................... $106 $128
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