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Financial Statements

In millions of USD, except per-share amounts

	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021	FY2020 12 months to Dec 31, 2020
Interest income
Credit card loans
Other loans
Investment securities
Other interest income
Total interest income
Interest expense
Deposits
Short-term borrowings
Long-term borrowings
Total interest expense
Net interest income
Provision for credit losses
Net interest income after provision for credit losses
Other income
Discount and interchange revenue, net
Protection products revenue
Loan fee income
Transaction processing revenue
Gains (losses) on equity investments
Unrealized gains on equity investments
Realized gains (losses) on equity investments
Losses on equity investments
Other income
Total other income

Other expense
Employee compensation and benefits
Marketing and business development
Information processing and communications
Professional fees
Premises and equipment
Other expense
Total other expense
Income before income tax expense
Income before income taxes
Income tax expense
Net income
Net income (loss) available to common stockholders, basic
Basic earnings per common share
Diluted earnings per common share

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