Consolidated Financial Highlights
Consolidated Financial Highlights
Introduction
Introduction
Uncommon Value
Uncommon Value
Uncommon Access
Uncommon Access
Uncommon Loyalty
Uncommon Loyalty
Uncommon Simplicity
Uncommon Simplicity
Uncommon Community
Uncommon Community
Introduction
Introduction
2007 Financial Results
2007 Financial Results
2008 Outlook
2008 Outlook
Shareholder Returns
Shareholder Returns
Driving Change, Getting Results
Driving Change, Getting Results
2007 Results: Global Consumer Group
2007 Results: Global Consumer Group
2007 Results: Global Business-to-Business
2007 Results: Global Business-to-Business
Other Significant Events
Other Significant Events
Redefining Payments
Redefining Payments
Staying True to Our Values
Staying True to Our Values
Table of Contents
Table of Contents
Executive Overview
Executive Overview
Critical Accounting Policies
Critical Accounting Policies
Consolidated Results of Operations
Consolidated Results of Operations
Consolidated Capital Resources and Liquidity
Consolidated Capital Resources and Liquidity
Off-Balance Sheet Arrangements and Contractual Obligations
Off-Balance Sheet Arrangements and Contractual Obligations
Risk Management
Risk Management
Business Segment Results
Business Segment Results
U.S. Card Services
U.S. Card Services
International Card Services
International Card Services
Global Commercial Services
Global Commercial Services
Global Network & Merchant Services
Global Network & Merchant Services
Corporate & Other
Corporate & Other
Exposure To Airline Industry
Exposure To Airline Industry
Other Reporting Matters
Other Reporting Matters
Glossary of Selected Terminology
Glossary of Selected Terminology
Forward-Looking Statements
Forward-Looking Statements
Management's Report on Internal Control Over Financial Reporting
Management's Report on Internal Control Over Financial Reporting
Report of Independent Registered Public Accounting Firm
Report of Independent Registered Public Accounting Firm
Consolidated Statements of Income
Consolidated Statements of Income
Consolidated Balance Sheets
Consolidated Balance Sheets
Consolidated Statements of Cash Flows
Consolidated Statements of Cash Flows
Consolidated Statements of Shareholders' Equity
Consolidated Statements of Shareholders' Equity
1 Summary of Significant Accounting Policies
1 Summary of Significant Accounting Policies
2 Discontinued Operations
2 Discontinued Operations
3 Accounts Receivable
3 Accounts Receivable
4 Investments
4 Investments
5 Loans
5 Loans
6 Asset Securitizations
6 Asset Securitizations
7 Changes in Accumulated Other Comprehensive Income (Loss)
7 Changes in Accumulated Other Comprehensive Income (Loss)
8 Other Assets
8 Other Assets
9 Short- and Long-Term Debt and Borrowing Agreements
9 Short- and Long-Term Debt and Borrowing Agreements
10 Other Liabilities
10 Other Liabilities
11 Common and Preferred Shares
11 Common and Preferred Shares
12 Derivatives and Hedging Activities
12 Derivatives and Hedging Activities
13 Guarantees
13 Guarantees
14 Commitments and Contingencies
14 Commitments and Contingencies
15 Fair Values of Financial Instruments
15 Fair Values of Financial Instruments
16 Significant Credit Concentrations
16 Significant Credit Concentrations
17 Stock Plans
17 Stock Plans
18 Retirement Plans
18 Retirement Plans
19 Income Taxes
19 Income Taxes
20 Earnings Per Common Share (EPS)
20 Earnings Per Common Share (EPS)
21 Reportable Operating Segments and Geographic Operations
21 Reportable Operating Segments and Geographic Operations
22 Quarterly Financial Data (Unaudited)
22 Quarterly Financial Data (Unaudited)
23 Restructuring Charges
23 Restructuring Charges
Operating Committee
Operating Committee
Board of Directors
Board of Directors
Advisor to the Board of Directors
Advisor to the Board of Directors
General Information
General Information
Reports of Management and Auditors
Consolidated Financial Statements
Notes to Consolidated Financial Statements
5-Year Summary of Selected Financial Data