American Express 2015 Annual Report Download - page 187
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Allocation of Allowance for Losses
The following table presents an allocation of the allowance for loans and Card Member receivables and the
percentage of allowance for losses on loans and Card Member receivables in each category, to the total allowance,
respectively, by customer type. The table segregates allowance for losses on loans and Card Member receivables
between U.S. and non-U.S. borrowers.
December 31,
(Millions, except percentages) 2015 2014 2013 2012 2011
Allowance for losses
at end of year applicable to Amount Percentage
(a) Amount Percentage
(a) Amount Percentage
(a) Amount Percentage
(a) Amount Percentage
(a)
Loans
U.S. loans
Card Member . . . . . . . . . . . . . . ........$ 882 84%$1,036 85% $1,083 85% $1,274 85% $ 1,611 85%
Other . . . . . . . . . . . . . . . . . . . . . ........ 17 2 8181813—
Non-U.S. loans
Card Member . . . . . . . . . . . . . . ........ 146 14 165 14 178 14 197 13 263 14
Other . . . . . . . . . . . . . . . . . . . . . ........ 3—4—5—12 115 1
$1,048 100%$ 1,213 100%$1,274 100% $1,491 100% $1,892 100%
Card Member receivables
U.S. Card Member receivables
Consumer . . . . . . . .................. $ 268 58%$ 276 59% $ 216 56% $ 273 64% $ 293 67%
Commercial . . . . . .................. 51 11 53 12 35 9 37 8 33 7
Non-U.S. Card Member receivables
Consumer . . . . . . . .................. 93 20 93 20 98 25 86 20 86 20
Commercial . . . . . .................. 50 11 43 9 37 10 32 8 26 6
$ 462 100%$ 465 100%$ 386 100% $ 428 100% $ 438 100%
(a) Percentage of allowance for losses on loans and Card Member receivables in each category to the total allowance.
Time Certificates of Deposit of $100,000 or More
The following table presents the amount of time certificates of deposit of $100,000 or more issued by the
Company in its U.S. offices, further segregated by time remaining until maturity.
By remaining maturity as of December 31, 2015
(Millions) 3 months
or less
Over 3
months
but within
6 months
Over 6
months
but within
12 months Over
12 months Total
U.S. time certificates of deposit ($100,000 or more) ............. $97 $14 $32 $53 $196
As of December 31, 2015, time certificates of deposit and other time deposits in amounts of $100,000 or more
issued by non-U.S. offices was $3 million.
A-14