Card profits for the eight U.S. credit card issuers shown in the table on page 9 collectively reached $22.93 billion in 2015, up 1.1% compared to $22.67 billion for this same group in 2014. Their combined provisions for anticipated card loan losses was $18.81 billion at year-end 2015, up 7.5% from year-end 2014. Bank of America’s Consumer Lending division includes its card business as well as retail loans and banking services for the auto, recreational vehicle, and marine industries. The division had net income of $4.05 billion in 2015, up 0.8% versus 2014. Provisions for losses fell 3.6%...