Discover 2009 Annual Report Download - page 58

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For the Years Ended November 30,
2009 2008 2007 2006 2005
(dollars in thousands)
Selected Statistics:
Total Loan Receivables
Loan receivables – owned....................................................................... $23,625,084 $25,216,611 $20,831,117 $20,790,244 $20,611,306
Average loan receivables – owned .......................................................... $26,552,574 $21,348,493 $19,947,784 $19,252,929 $18,875,378
Owned interest yield.............................................................................. 11.31% 10.89% 10.73% 10.48% 10.12%
Owned net principal charge-off rate ........................................................ 7.45% 4.59% 3.40% 3.63% 4.93%
Owned delinquency rate (over 30 days) ................................................... 4.92% 4.35% 3.26% 3.05% 3.67%
Owned delinquency rate (over 90 days) ................................................... 2.58% 2.06% 1.51% 1.43% 1.60%
Loan receivables – managed................................................................... $50,860,372 $51,095,278 $48,180,436 $45,802,071 $44,437,450
Average loan receivables – managed....................................................... $51,140,614 $49,011,148 $46,913,474 $44,409,232 $44,967,420
Managed interest yield........................................................................... 12.36% 12.61% 12.65% 12.52% 11.75%
Managed net principal charge-off rate ..................................................... 7.77% 5.01% 3.83% 3.95% 5.29%
Managed delinquency rate (over 30 days) ................................................ 5.31% 4.56% 3.58% 3.39% 3.97%
Managed delinquency rate (over 90 days) ................................................ 2.78% 2.17% 1.67% 1.59% 1.74%
Total Credit Card Loan Receivables
Credit card loan receivables – owned....................................................... $20,230,302 $23,814,307 $20,579,923 $20,694,395 $20,434,977
Average credit card loan receivables – owned........................................... $24,266,782 $20,566,864 $19,845,880 $19,120,946 $18,644,660
Owned interest yield.............................................................................. 11.69% 10.92% 10.75% 10.50% 10.16%
Owned net principal charge-off rate ........................................................ 7.87% 4.73% 3.41% 3.64% 4.95%
Owned delinquency rate (over 30 days) ................................................... 5.52% 4.55% 3.28% 3.05% 3.69%
Owned delinquency rate (over 90 days) ................................................... 2.92% 2.16% 1.53% 1.44% 1.61%
Credit card loan receivables – managed ................................................... $47,465,590 $49,692,974 $47,929,242 $45,706,222 $44,261,121
Average credit card loan receivables – managed ....................................... $48,854,822 $48,229,519 $46,811,570 $44,277,249 $44,736,702
Managed interest yield........................................................................... 12.59% 12.65% 12.66% 12.53% 11.78%
Managed net principal charge-off rate ..................................................... 8.00% 5.07% 3.84% 3.96% 5.30%
Managed delinquency rate (over 30 days) ................................................ 5.60% 4.66% 3.59% 3.39% 3.98%
Managed delinquency rate (over 90 days) ................................................ 2.94% 2.22% 1.68% 1.59% 1.75%
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