The yearly report (10-K), explained

At a glance

Found by candor in the report's own text. Green means the usual, reassuring wording was found; amber means read that part.

Point at or tap a block to see which part it is. The longest parts are usually the risks, the managers' discussion and the financial statements.

• Economy and markets7
• Laws and regulators5
• Competition4
• Cyber and data3
• Debt, money and the stock3
• World events and climate2
• Other2
• Reputation and brand2
• Suppliers and operations2
• Products and technology2
• Deals and investments1
• People1

1. 1Summary of Significant Accounting PoliciesThe rules it follows to count things: when a sale is counted, how stock is valued, and so on.6 tables+
2. 2Loans and Card Member ReceivablesMoney owed to it and how much it expects won't be paid.8 tables+
3. 3Reserves for Credit LossesMoney owed to it and how much it expects won't be paid.3 tables+
4. 4Investment SecuritiesThe investments it holds and what they're worth.3 tables+
5. 5Asset SecuritizationsMore detail behind the figures in the statements.+
6. 6Other AssetsMore detail behind the figures in the statements.3 tables+
7. 7Customer DepositsMoney customers keep with it.3 tables+
8. 8DebtWhat it has borrowed, at what interest rate, and when it must pay it back.3 tables+
9. 9Other LiabilitiesMore detail behind the figures in the statements.2 tables+
10. 10Stock-Based CompensationPay given to staff in shares and options, and how it's valued.4 tables+
11. 11Retirement PlansPensions and retirement benefits it has promised to staff.1 table+
12. 12Contingencies, Commitments and GuaranteesPromises it has made (to buy, to pay) and possible costs from lawsuits.1 table+
13. 13Derivatives and Hedging ActivitiesContracts it uses to protect itself from moves in currencies, interest rates or prices.2 tables+
14. 14Fair ValuesHow it values its investments and other items at today's market prices.3 tables+
15. 15Common and Preferred SharesMore detail behind the figures in the statements.2 tables+
16. 16Changes in Accumulated Other Comprehensive Income (Loss)Gains and losses that skip the income statement, such as currency moves.1 table+
17. 17Service Fees and Other Revenue and Other ExpensesWhere its sales come from: by product, region or type of customer, and when it counts them.2 tables+
18. 18RestructuringCosts of reorganising: job cuts, closing sites.1 table+
19. 19Income TaxesWhat it pays in tax, where, and why its tax rate is what it is.6 tables+
20. 20Earnings Per Common Share (EPS)More detail behind the figures in the statements.1 table+
21. 21Regulatory Matters and Capital AdequacyMore detail behind the figures in the statements.1 table+
22. 22Significant Credit ConcentrationsCustomers or suppliers it depends on heavily.1 table+
23. 23Reportable Operating Segments and Geographic OperationsThe business split into its main parts, with sales and profit for each.2 tables+
24. 24Parent CompanyMore detail behind the figures in the statements.3 tables+
25. 25Insider Trading ArrangementsMore detail behind the figures in the statements.+
26. 26Insider Trading Policies and ProceduresMore detail behind the figures in the statements.+
27. 27Cybersecurity Risk Management and Strategy DisclosureMore detail behind the figures in the statements.+