U.S. Card Member Loans | Exhibit 99.1 |
Ending U.S. Card Member loans: | Apr. 30, 2015 | May 31, 2015 | Jun. 30, 2015 | Jul. 31, 2015 | Aug. 31, 2015 | Sept. 30, 2015 | Oct. 31, 2015 | Nov. 30, 2015 | Dec. 31, 2015 | Jan. 31, 2016 | Feb. 29, 2016 | Mar. 31, 2016 | Apr. 30, 2016 | |||||||||||||||||||||||||||||||||||||||
U.S. Consumer | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Loans held for investment | $ | 50,536 | $ | 51,821 | $ | 51,812 | $ | 51,851 | $ | 52,661 | $ | 52,160 | $ | 52,551 | $ | 53,818 | $ | 43,496 | $ | 42,474 | $ | 41,697 | $ | 42,432 | $ | 42,965 | ||||||||||||||||||||||||||
Loans held for investment related to Costco and JetBlue* | 12,231 | 12,648 | 12,582 | 12,476 | 12,579 | 12,164 | 12,055 | 12,329 | - | - | - | - | - | |||||||||||||||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue | $ | 38,305 | $ | 39,173 | $ | 39,230 | $ | 39,375 | $ | 40,082 | $ | 39,996 | $ | 40,496 | $ | 41,489 | $ | 43,496 | $ | 42,474 | $ | 41,697 | $ | 42,432 | $ | 42,965 | ||||||||||||||||||||||||||
Total loans held for investment, growth versus prior year | 7 | % | 7 | % | 7 | % | 6 | % | 7 | % | 7 | % | 7 | % | 7 | % | (18 | )% | (17 | )% | (15 | )% | (16 | )% | (15 | )% | ||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year | 7 | % | 7 | % | 7 | % | 7 | % | 8 | % | 8 | % | 9 | % | 9 | % | 10 | % | 11 | % | 12 | % | 12 | % | 12 | % | ||||||||||||||||||||||||||
Loans held for sale related to Costco and JetBlue* | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | 12,755 | $ | 11,789 | $ | 10,901 | $ | 9,745 | $ | 9,603 |
* Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. On March 18, 2016, the sale of the JetBlue portfolio was completed.
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Ending U.S. Card Member loans: | Apr. 30, 2015 | May 31, 2015 | Jun. 30, 2015 | Jul. 31, 2015 | Aug. 31, 2015 | Sept. 30, 2015 | Oct. 31, 2015 | Nov. 30, 2015 | Dec. 31, 2015 | Jan. 31, 2016 | Feb. 29, 2016 | Mar. 31, 2016 | Apr. 30, 2016 | |||||||||||||||||||||||||||||||||||||||
U.S. Small Business | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Loans held for investment | $ | 9,765 | $ | 10,014 | $ | 9,919 | $ | 9,917 | $ | 9,970 | $ | 9,973 | $ | 10,195 | $ | 10,126 | $ | 7,951 | $ | 8,042 | $ | 7,970 | $ | 8,268 | $ | 8,438 | ||||||||||||||||||||||||||
Loans held for investment related to Costco and JetBlue* | 2,366 | 2,446 | 2,413 | 2,387 | 2,377 | 2,292 | 2,288 | 2,295 | - | - | - | - | - | |||||||||||||||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue | $ | 7,398 | $ | 7,568 | $ | 7,505 | $ | 7,531 | $ | 7,594 | $ | 7,681 | $ | 7,907 | $ | 7,831 | $ | 7,951 | $ | 8,042 | $ | 7,970 | $ | 8,268 | $ | 8,438 | ||||||||||||||||||||||||||
Total loans held for investment, growth versus prior year | 8 | % | 9 | % | 9 | % | 9 | % | 8 | % | 9 | % | 10 | % | 8 | % | (16 | )% | (15 | )% | (15 | )% | (14 | )% | (14 | )% | ||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year | 10 | % | 10 | % | 10 | % | 10 | % | 10 | % | 12 | % | 13 | % | 12 | % | 13 | % | 13 | % | 12 | % | 13 | % | 14 | % | ||||||||||||||||||||||||||
Loans held for sale related to Costco and JetBlue* | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | 2,345 | $ | 2,200 | $ | 2,063 | $ | 2,032 | $ | 2,024 |
* Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. On March 18, 2016, the sale of the JetBlue portfolio was completed.
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Ending U.S. Card Member loans: | Apr. 30, 2015 | May 31, 2015 | Jun. 30, 2015 | Jul. 31, 2015 | Aug. 31, 2015 | Sept. 30, 2015 | Oct. 31, 2015 | Nov. 30, 2015 | Dec. 31, 2015 | Jan. 31, 2016 | Feb. 29, 2016 | Mar. 31, 2016 | Apr. 30, 2016 | |||||||||||||||||||||||||||||||||||||||
Total U.S. Consumer and Small Business | ||||||||||||||||||||||||||||||||||||||||||||||||||||
Loans held for investment | $ | 60,301 | $ | 61,835 | $ | 61,731 | $ | 61,768 | $ | 62,631 | $ | 62,133 | $ | 62,746 | $ | 63,944 | $ | 51,446 | $ | 50,516 | $ | 49,666 | $ | 50,699 | $ | 51,403 | ||||||||||||||||||||||||||
Loans held for investment related to Costco and JetBlue* | 14,597 | 15,095 | 14,996 | 14,863 | 14,955 | 14,456 | 14,343 | 14,624 | - | - | - | - | - | |||||||||||||||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue | $ | 45,703 | $ | 46,740 | $ | 46,735 | $ | 46,905 | $ | 47,676 | $ | 47,677 | $ | 48,404 | $ | 49,320 | $ | 51,446 | $ | 50,516 | $ | 49,666 | $ | 50,699 | $ | 51,403 | ||||||||||||||||||||||||||
Total loans held for investment, growth versus prior year | 7 | % | 7 | % | 7 | % | 7 | % | 7 | % | 7 | % | 8 | % | 7 | % | (18 | )% | (16 | )% | (15 | )% | (15 | )% | (15 | )% | ||||||||||||||||||||||||||
Total loans held for investment excluding loans related to Costco and JetBlue, growth versus prior year | 7 | % | 8 | % | 8 | % | 8 | % | 8 | % | 9 | % | 10 | % | 10 | % | 10 | % | 11 | % | 12 | % | 12 | % | 12 | % | ||||||||||||||||||||||||||
Loans held for sale related to Costco and JetBlue* | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | 15,100 | $ | 13,988 | $ | 12,964 | $ | 11,777 | $ | 11,627 |
* Note: Costco and JetBlue loans reclassified as held for sale as of December 2015. On March 18, 2016, the sale of the JetBlue portfolio was completed.
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Delinquency and Write-off Rate Statistics:** | Apr. 30, 2015 | May 31, 2015 | Jun. 30, 2015 | Jul. 31, 2015 | Aug. 31, 2015 | Sept. 30, 2015 | Oct. 31, 2015 | Nov. 30, 2015 | Dec. 31, 2015 | Jan. 31, 2016 | Feb. 29, 2016 | Mar. 31, 2016 | Apr. 30, 2016 | |||||||||||||||||||||||||||||||||||||||
U.S. Consumer | ||||||||||||||||||||||||||||||||||||||||||||||||||||
30 days past due loans as a % of total loans | 0.9 | % | 0.9 | % | 0.9 | % | 0.9 | % | 0.9 | % | 1.0 | % | 1.0 | % | 1.0 | % | 1.0 | % | 1.0 | % | 1.0 | % | 1.0 | % | 0.9 | % | ||||||||||||||||||||||||||
Net write-off rate - principal only | 1.5 | % | 1.3 | % | 1.3 | % | 1.3 | % | 1.3 | % | 1.2 | % | 1.4 | % | 1.5 | % | 1.4 | % | 1.4 | % | 1.4 | % | 1.5 | % | 1.5 | % | ||||||||||||||||||||||||||
U.S. Small Business | ||||||||||||||||||||||||||||||||||||||||||||||||||||
30 days past due loans as a % of total loans | 1.0 | % | 0.9 | % | 0.9 | % | 0.9 | % | 0.9 | % | 1.0 | % | 1.0 | % | 1.0 | % | 1.1 | % | 1.0 | % | 1.1 | % | 1.0 | % | 1.0 | % | ||||||||||||||||||||||||||
Net write-off rate - principal only | 1.3 | % | 1.3 | % | 1.2 | % | 1.4 | % | 1.4 | % | 1.1 | % | 1.3 | % | 1.2 | % | 1.2 | % | 1.4 | % | 1.4 | % | 1.4 | % | 1.4 | % |
**All credit metrics for total loans held for investment. Costco and JetBlue loans reclassified as held for sale as of December 2015.
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