Discover 2014 Annual Report Download - page 170

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The following table presents segment data for the period (dollars in millions):
Direct
Banking Payment Services Total
For the Calendar Year Ended December 31, 2014
Interest income
Credit card ...................................................................................................................... $ 6,359 $ — $ 6,359
Private student loans ......................................................................................................... 312 — 312
PCI student loans .............................................................................................................. 260 — 260
Personal loans ................................................................................................................. 568 — 568
Other .............................................................................................................................. 97 — 97
Total interest income ..................................................................................................... 7,596 — 7,596
Interest expense ................................................................................................................... 1,134 — 1,134
Net interest income ....................................................................................................... 6,462 — 6,462
Provision for loan losses ....................................................................................................... 1,440 3 1,443
Other income ...................................................................................................................... 1,700 315 2,015
Other expense ..................................................................................................................... 3,117 223 3,340
Income before income tax expense ................................................................................. $ 3,605 $ 89 $ 3,694
For the Calendar Year Ended December 31, 2013
Interest income
Credit card ...................................................................................................................... $ 5,978 $ — $ 5,978
Private student loans ......................................................................................................... 252 — 252
PCI student loans .............................................................................................................. 272 — 272
Personal loans ................................................................................................................. 464 — 464
Other .............................................................................................................................. 98 — 98
Total interest income ..................................................................................................... 7,064 — 7,064
Interest expense ................................................................................................................... 1,146 — 1,146
Net interest income ....................................................................................................... 5,918 — 5,918
Provision for loan losses ....................................................................................................... 1,069 17 1,086
Other income ...................................................................................................................... 1,976 330 2,306
Other expense ..................................................................................................................... 2,961 233 3,194
Income before income tax expense ................................................................................. $ 3,864 $ 80 $ 3,944