Discover Financial Services - 10-Q filing on 2015-04-30

Segment Disclosures (Tables)

3 Months Ended

Mar. 31, 2015

The following table presents segment data (dollars in millions):

	Direct Banking		Payment Services		Total
For the Three Months Ended March 31, 2015
Interest income
Credit card loans	$	1,606	$	—	$	1,606
Private student loans	90		—		90
PCI student loans	60		—		60
Personal loans	152		—		152
Other	21		—		21
Total interest income	1,929		—		1,929
Interest expense	300		—		300
Net interest income	1,629		—		1,629
Provision for loan losses	388		2		390
Other income	468		74		542
Other expense	828		45		873
Income before income tax expense	$	881	$	27	$	908

For the Three Months Ended March 31, 2014
Interest income
Credit card loans	$	1,537	$	—	$	1,537
Private student loans	73		—		73
PCI student loans	68		—		68
Personal loans	132		—		132
Other	23		—		23
Total interest income	1,833		—		1,833
Interest expense	270		—		270
Net interest income	1,563		—		1,563
Provision for loan losses	270		2		272
Other income	436		79		515
Other expense	735		49		784
Income before income tax expense	$	994	$	28	$	1,022