Discover 2015 Annual Report Download - page 167

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The following table presents segment data (dollars in millions):
Direct
Banking Payment Services Total
For the Year Ended December 31, 2015
Interest income
Credit card ...................................................................................................................... $ 6,626 $ — $ 6,626
Private student loans ......................................................................................................... 378 — 378
PCI student loans .............................................................................................................. 220 — 220
Personal loans ................................................................................................................. 631 — 631
Other .............................................................................................................................. 90 — 90
Total interest income ..................................................................................................... 7,945 — 7,945
Interest expense ................................................................................................................... 1,263 — 1,263
Net interest income ....................................................................................................... 6,682 — 6,682
Provision for loan losses ....................................................................................................... 1,512 — 1,512
Other income ...................................................................................................................... 1,779 278 2,057
Other expense ..................................................................................................................... 3,437 178 3,615
Income before income tax expense ................................................................................. $ 3,512 $ 100 $ 3,612
For the 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