Discover 2015 Annual Report Download - page 64
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-48-
Selected Financial Data (continued)
For the Calendar Years Ended
December 31,
For the Fiscal Years
Ended
November 30, For the One
Month Ended
December 31,
20122015 2014 2013 2012 2011
(dollars in millions)
Selected Statistics:
Total Loan Receivables
Loan receivables ......................................................... $ 72,385 $ 69,969 $ 65,771 $ 61,017 $ 57,670 $ 62,598
Average loan receivables ............................................. $ 69,061 $ 65,853 $ 61,820 $ 58,043 $ 53,260 $ 61,877
Interest yield ............................................................... 11.40% 11.40% 11.28%11.38%11.78%11.21%
Net principal charge-off rate ........................................ 2.01% 2.04% 1.98% 2.29% 3.97%2.19%
Delinquency rate (over 30 days) ................................... 1.67% 1.66% 1.64% 1.75% 2.29%1.69%
Delinquency rate (over 90 days) ................................... 0.76% 0.78% 0.77% 0.83% 1.14%0.82%
Credit Card Loans
Credit card loan receivables ......................................... $ 57,896 $ 56,128 $ 53,150 $ 49,642 $ 46,972 $ 51,135
Average credit card loan receivables ............................ $ 54,846 $ 52,600 $ 49,816 $ 47,301 $ 45,522 $ 50,494
Interest yield ............................................................... 12.08% 12.09% 12.00%12.16%12.42%11.92%
Net principal charge-off rate ........................................ 2.22% 2.27% 2.21% 2.62% 4.47%2.47%
Delinquency rate (over 30 days) ................................... 1.72% 1.73% 1.72% 1.86% 2.38%1.79%
Delinquency rate (over 90 days) ................................... 0.85% 0.85% 0.84% 0.91% 1.19%0.90%
Personal Loans
Personal loan receivables ............................................. $ 5,490 $ 5,007 $ 4,191 $3,272 $2,648 $3,296
Average personal loan receivables ................................ $ 5,245 $ 4,592 $ 3,706 $2,944 $2,228 $3,290
Interest yield ............................................................... 12.04% 12.36% 12.52%12.35%11.94%12.43%
Net principal charge-off rate ........................................ 2.15% 2.04% 2.13% 2.33% 3.02%2.52%
Delinquency rate (over 30 days) ................................... 0.89% 0.79% 0.70% 0.76% 0.87%0.77%
Delinquency rate (over 90 days) ................................... 0.27% 0.22% 0.21% 0.23% 0.28%0.23%
Private Student Loans (excluding PCI)
Private student loan receivables .................................... $ 5,647 $ 4,850 $ 3,969 $3,000 $2,069 $3,072
Average private student loan receivables ....................... $ 5,272 $ 4,450 $ 3,561 $2,557 $1,637 $3,021
Interest yield ............................................................... 7.16% 7.02% 7.07% 7.20% 7.04%7.22%
Net principal charge-off rate ........................................ 1.07% 1.29% 1.30% 0.73% 0.48%0.81%
Delinquency rate (over 30 days) ................................... 1.91% 1.80% 1.66% 1.07% 0.63%1.22%
Delinquency rate (over 90 days) ................................... 0.43% 0.52% 0.46% 0.27% 0.14%0.29%